Njengekhekhe lomgca, izicwangciso ezinokwenziwa kwentlawulo zinokufakwa
1. Iingxowa-mali ezifanelekileyo zeRhafu kwiiNkcazo ezingekho phantsi koMhlalaphantsi
"Abanye abatyali-mali bathusa ukufumanisa ukuba kufuneka bakhokhe irhafu kwi-capital gain and distribution distributions kwiimali zabo kunye ne-ETFs, nokuba bangazange bathengise imali yabo ngonyaka.
Enyanisweni, kwiminyaka eyi-10 edlulileyo, indleko yonyaka yerhafu ye-joint fund yayingu-1.3%. 1. "
1. Umthombo: I-Morningstar ngo-3 / 31/14. Iindleko zerhafu "ngumlinganiselo we-Morningstar wempembelelo yentlawulo kwiimpembelelo zentengo kunye nokunikezwa kwengeniso kwintsebenzo. Umyinge ubalwa ngokusebenzisa iklasi yesabelo esidala kunazo zonke zeemali ezidibeneyo eziphambili ezivulekileyo ezifumanekayo e-US (ngaphandle kobhankaso kamasipala kunye nemali yemakethi yemali) kunye neengxelo zemithwalo yeminyaka eyi-10 ngo-3 / 31/14.
Ezinye iingxowa-mali zibambene nenzuzo ephezulu eyenza i-short-term gains allocation annually. Ezi ntlawulo zihlawuliswa kwizinga eliphezulu lentela kunexabiso elide elide elide okanye izabelo ezifanelekileyo. Xa ukhetha imali yenkcazo okanye imali elawulwa yerhafu kwiingxelo ezingekho phantsi komhlala phantsi ungakunciphisa umrhumo wakho werhafu.
2. Sebenzisa iNkqubo ebizwa ngokuba yi-Asset Indawo
Unokufumana indawo yakho yokutshala imali kwiingxelo ezithengiswayo kunye neentlawulo ezichasiweyo zerhafu ngendlela eyenzelwe ukunciphisa inani lemali engenayo iphothifoliyo ehlawulwayo unyaka ngamnye.
Nantsi i-generic isethi yemithetho yendawo ye- asethi yokuqwalasela:
- Beka utyalo-mali olunakho ukubuyisela phezulu kwi-akhawunti yakho yeRoth. Oku kuza kubamba njenge-cap encinane kunye neemarike ezikhulayo.
- Gcina utyalo-mali olwenza uzuzo lwexesha elide kunye neengeniso ezifanelekileyo kwiingxelo ezingekho phantsi komhlalaphantsi. Oku kuya kuba izinto ezifana ne-S & P yenkcazo-mali okanye i-dividend ehlawula iifowuni.
- Ubambe ingeniso eqhelekileyo kunye nokutsalwa kwezimali eziphezulu kwiingxelo ezikhishwe irhafu. Oku kuya kuba izinto ezinjengeempahla zeempahla, iimali zezindlu zangaphandle, iimali ezilawulwa ngokuzithandela), kunye neengxowa-mali.
- Amakhaya aseburhulumenteni aberhafu kufuneka aqikelele ukusebenzisa iibhanki zikamasipala ngemali engenayo egcinwe kwiingxelo ezingekho phantsi komhlala phantsi.
3. Ukufumana ukuvunwa kunye nokulahlekelwa ngokwemiqathango yerhafu yakho
Ukuba ibhakha yakho yerhafu iphantsi (15% okanye ngaphantsi) ungangena kwipesenti zerhafu ibhonksi yentlawulo yerhafu- ithetha ukuba awuyi kuhlawula irhafu kwi-capital gain. Ungasebenzisa ukuhlaziywa kwentela ukuze ubone ukuba yintoni le minyaka engenzeka ngayo ngenjongo yokufumana inzuzo kwiminyaka apho abayi kuhlawulwa irhafu.
Abantu abangenayo imali ephezulu kufuneka baqonde nayiphi na ilahleko ekhoyo ekhoyo xa unyaka xa ilahleko leyo isetyenziselwa ukulwa nomvuzo oqhelekileyo. Unako ukuvuna ilahleko ukucima ezinye iintlawulo ezingenayo.
4. Iakhawunti yengxowa-mali yomhlalaphantsi esekelwe kwibhonksi yakho yentela
Ukukhula okungahlawulwa kwentela kunzima ukufumana kwaye iiAgxelo ze-Savings zeMpilo kunye neRoth akhawunti zinika amandla okukhulisa imali ngaphandle kweerhafu, ngoko ke ngokubanzi, ndicinga ukuba wonk 'ubani ofanelekileyo ukwenza njalo kufuneka axhase le ntlobo zee-akhawunti. Kwakhona kunengqiqo ukuxhaswa ngeakhawunti yekhampani kwisixa esaneleyo ukufumana umdlalo opheleleyo.
Umdlalo wenkampani unika ukubuyela ngokukhawuleza kotyalo-mali.
Xa ezi zinto zikhoyo, ibhakhi yakho yerhafu ngoku kunye nexesha elizayo inquma oko kufuneka uxhaswe ngokuzayo. Ngezantsi zikhoyo izikhokelo zenkxaso-mali:
- Iimali zeeNgxowa xa i-bracket yakho yerhafu ekhoyo yangoku ifanayo okanye iphantsi kwezinga elilindelekileyo elingaphantsi komhlalaphantsi.
- Ii-akhawunti ezingenakudalulwa kwi-akhawunti xa ixabiso lakho langoku elingaphantsi liphezulu kunezinga lakho elilindelekileyo elingaphantsi komhlalaphantsi.
- Ukuxhaswa ngokupheleleyo kwiintlobo zee-akhawunti ukufumana ukhuseleko oluphezulu. Kwamanye amazwe, kwiingeniso eziphezulu eziphezulu / izingozi eziphezulu, oku kungabandakanya inkxaso-mali kunye nenkcitho yemali yinshuwalense yobomi.
5. Ukurhoxisa irhafu ngokufanelekileyo ngomhlalaphantsi
Ukhuselo lweNtlalo ngumthombo okhethiweyo werhafu. Ngaphezulu kwe- 85% yeeNtlalontle zeNtlalontle iza kuxhamla kwi-taxation tax .
Oku kwandisa inzuzo enokubangela ukulibazisa umhla wokuqala woKhuseleko loLuntu ukuze ufumane imali engaphezulu yerhafu ekhethiweyo.
Kwezinye iimeko, iimeko eziqhelekileyo zenzeka kulabo abangenawo umvuzo wempesheni kunye ne-balance ye-akhawunti ye-IRA, ngokusebenzisa i-IRA ukuxothwa kwirejista ngaphambi kokuthatha umhlalaphantsi ngelixa ukulibazisa ukukhuselwa kweNtlalo kunokuba luncedo kwaye kuphuculwe isiphumo sakho xa kuthelekiswa nezinye izicwangciso zokurhoxisa.
6. Isicwangciso esisekelwe kwisicwangciso esicwangcisiweyo
Abantu abaninzi banokucinga ngokubhekisele kwerhafu yabo ngoku kunye noko bacinga ukuba kuya kufana nokuthatha umhlalaphantsi. Abaninzi bamacwangcisi bezemali basebenzisa iingcinga zokudala. Oku kungcono kunokwenza akukho cwangciso kuzo zonke, kodwa ndicinga ukuba isethi esicwangcisiweyo esilungileyo isoloko ibhetele kunokuba isebenzise umgaqo wesiqhelo wesithupha. Isicwangciso esona siphumo esihle siphumelela ekusebenziseni ukuhlaziywa kwentela yesikhathi eside kunye nokufumana iingcebiso ngokusekelwe kwimeko yakho.
Eli nqaku lizele imithetho ye-generic - musa ukuyisebenzisa ngokungabonakaliyo. Andiyazi imeko yakho kwaye unokuba neemeko ezithetha ukuba ezinye zezikhokelo eziphakanyisiwe kweli nqaku aziyi kulungile kuwe. Akukho ncwadana, i-article okanye i-forum ye-advisory forum inokugqithisa ixabiso elenziwe ngumcwangcisi wezemali okanye umcebisi weerhafu.
7. Isicwangciso esekelwe kwindlela yokuhlawula irhafu
Ngokumangalisayo ngokwaneleyo, abaninzi abacinga ukuba izinga labo lokuhlawula irhafu liya kuba ngaphantsi komhlala phantsi bafumanisa ukuba akunjalo. Oku kwenzeka ngokuqhelekileyo kwabo bazinikele ngokuthembeka kwizicwangciso zokuthatha umhlala-phantsi kwaye baphela ngemali eninzi kwiIRAs nakwi-401 (k).
Inkcazo yerhafu yexesha elide yayiza kubonisa indlela yabo yerhafu yexesha elizayo kwaye yabancedisa ukwenza izigqibo zangaphambilini eziye zaphucula ukulinganisela kwazo phakathi kokuhlawula irhafu emva kokuhlawula irhafu. Okweninzi, awufuni ukufikelela umhlalaphantsi kunye nazo zonke iimpahla zakho kwiiplani zomhlala-phantsi ezihlawulwe irhafu . Oku kuya kuthetha ukuba yonke idola oyifunayo ukuyihoxisa iya kuhlawulwa irhafu, ngoko ke kufuneka uhoxise i-$ 1.40 okanye ngaphezulu kwidola ngalinye ofuna ukuyisebenzisa. Abo banomlinganiselo omkhulu wokuzinza ngokwezimali kumhlalaphantsi banokulinganisela kokulondoloza kwiintlobo ezahlukeneyo zeakhawunti.