Iindlela ezi-3 zoKuNciphisa ukuThuthwa kweRhafu

Iindleko zeMali yokuThuthukisa ukuThuthukiswa kweRhafu yeeRhafu

Kukho iintlobo ezimbini zokuncitshiswa, okusemgangathweni okanye okuyiyo. Kufuneka ukhethe owunciphisa iirhafu zakho. Abantu babini kwabathathu bathi inqanaba elilodwa ngenxa yokuba abanako ukuxothwa okwaneleyo ukuba bafumaneke okanye mhlawumbi ngenxa yokuba abaqapheli ukuba umsebenzi owenziweyo uthathwa njani.

Nazi iindlela ezintathu ongakwazi ukwandisa ukuncitshiswa kwakho.

1. Iindleko zezoNyango zezoNyango zoKuNciphisa iMali yokuThutshwa kweRhafu

Xa ufumana iindleko zonyango ezingafihliwe yinshuwalense yezempilo, uvumelekile ukuba uzibambe kwiholo lakho elihlawulwa irhafu ukuya kwinqanaba elingaphaya kwe-10% yengeniso yakho epheleleyo echitshiweyo ukuba uneminyaka engama-64 ncinane, okanye i-7.5% yengeniso yakho. ukuba uneminyaka engama-65 nangaphezulu.

(Qaphela: ngaphambi ko-2013 bekuyi-7.5% kuwo onke amaxesha.)

Umzekelo:

Masithi uneminyaka engama-60 kwaye wenze i $ 50,000 ngonyaka. I-10% ye-$ 50,000 yi-$ 5,000. Ukuba unayo iindleko zonyango ngaphandle kwe-5,250, i-$ 250 kuphela; isixa esiphezulu kwee-5,000 zamaRandi, siya kufaneleka njengokwenyulwa kwentela.

Ukwandisa ukusetyenziswa kwelo rhafu, kufuneka wenze izinto ezintathu:

1. Unyaka ngamnye uqikelele uqikelelo lwezinto ezi-10% zeengeniso zakho ezipheleleyo eziya kutshintshwa ziya kuba.
2. Gcina inani elipheleleyo leendleko zonyango lakho ngaphandle kwenyanga.
3. Ukuba unomnyaka apho uphelele khona umda wakho, qaphela ukuba kukho iindleko onokuzibophelela kulo nyaka wekhalenda.

2. Ukuhlawulwa kwangaphambili kweNtlawulo

Iirhafu zerhafu ezikarhulumente ezihlawulwayo zichithwe irhafu yentlawulo kwi-federal return. Abantu abaninzi banokuzuza ngokuhlawula irhafu yengeniso yabo yomhlaba ngaphambi kokuphela konyaka ukwenzela ukuba banyuse i-tax deductions.

Qaphela, njengoko esi sicwangciso sinokukuphonsa kwi-AMT (irhafu yentlawulo ephantsi).

Ukuba uceba ukuhlawula imali engaphezulu yentlawulo karhulumente, qhagamshelana nomcebisi weerhafu ukuqinisekisa ukuba esi sicwangciso siza kukusebenzela.

3. Utyalo-mali lweMali kunye nokuThengiswa kweRhafu eziHlangeneyo

Iindleko ezifana nokuhlawulwa kweerhafu, iifizi zokukhutshwa kwebhokisi, kunye neentlawulo zokutsalwa kwemali zichithwa kumlinganiselo wokuba zigqithise i-2% yemali engenayo epheleleyo.

Umzekelo:

Masithi wenze i $ 50,000 ngonyaka. Iipesenti ezimbini zeedola ezingama-50,000 yi-$ 1,000. Ukuba une-investment-out-pocket investment kunye neendleko ezilungiselelwe irhafu ezidityanisiweyo ze-$ 1,500, i-$ 500 kuphela; inani elidlula i-$ 1,000, liya kulungelelwa ukuba lubhalwe njengoluhlu lokuncitshiswa kweerhafu.

Ukuba kuya kukuvumela ukuba udlule ngaphezu kwe-2% umgca kwaye xa usebenza nabacebisi uthembela, unokuqwalasela ukulungiselela ukulungiselela ukuhlawula irhafu kunye neenkonzo zokucebisa utyalo-mali. Kukho imida, eqinisweni, ukuba ungayikhokha ngaphaya kangakanani, ngoko awukwazi ukuhlawula iminyaka ehamba phambili.

Unokuhlawula imali yokulawula utyalo-mali ye-IRA kwi-balance ye-akhawunti ye-IRA ngoko uhlawula imali kunye needola ze-pretax.

Njengaye zonke iingcebiso zerhafu, funa uncedo lwezobugcisa kunye / okanye wenze uphando olongezelelweyo kwi-IRS kwisihloko sesicatshulwa esisemgangathweni ukuze ubone ukuba yintoni esemthethweni, kwaye yintoni eyokusebenza kakuhle kuwe.