Izicwangciso eziSiseko zokugcina iMali yakho engakumbi kwiPokoth yakho
1. Thatha i-Maximal Benefits of Any and All Shelters Tax Revenue
Amathuba okukhusela imali kwiirhafu, ukuvumela ukuba i-tax free-free okanye i-tax-deferred-incerred compounding of capital gains, izabelo, inzala, kunye neenkontileka azizange zifumaneke kakhulu eUnited States njengoko zikhoyo namhlanje. Ukusuka kwiakhawunti ngabanye efana neRoth IRA, eyona nto ifanelekileyo kwindawo yokukhusela yentlawulo yotyalo -mali othe rhoqo uya kuvuya, ngoku ku- 401 (k) isicwangciso , esivumela ukuba ujabulele iminikelo ehambelanayo yamahhala evela kumqeshi , akukho sizathu sokuthi imali yakho ikwazi ukukhula ngaphaya kokufikelela kwi-Federal, uRhulumente kunye noorhulumente basekhaya. Yenza konke onokuziphendulela ngokufanelekileyo ngokusemandleni okukwazi ukusebenzisa inzuzo yonyaka .
2. Ukwazisa ngokuchanekileyo amaqhinga okuRhalwa kweeNdawo zoTyalo
Ixabiso elifanayo elifanayo kwiipotifoliyo linokuvelisa iirejista ezahlukileyo emva kokuhlaselwa kwentlawulo esekelwe kuyo.
Ngokomzekelo, intsapho efumana imali eninzi ayiyi kuba nexesha lokuthenga izibophelelo zentlawulo ngokupheleleyo kwi- akhawunti ye-brokerage . Ngaphantsi akukho mqathango kufuneka umntu athathe iibhondi zikamasipala ezingenaserhafu ngaphakathi kwendawo yokukhusela irhafu. Ukuthatha inzuzo, kwaye uhlale uqonda, kwimeko leyo isicwangciso serhafu esibizwa ngokuba yi-aseset placement .
Hlonipha ngawo onke amaxesha.
3. Gwema ukuphazamisa iiNzuzo eziKhutyana eziNcinci Ukuba Ukhokhwa kwiRhafu ePhakamileyo
Ngenxa yendlela ebhaliweyo ngayo ikhowudi yentlawulo yaseUnited States, kwenzeka into emangalisayo xa utyalo-mali obanjwe kwiinyanga ezili-12 luthengiswa ngenzuzo. I-IRS iyayifaka njenge-"long-term" inzuzo, ngokwemivuzo yentela ephantsi kakhulu - ezinye iimeko, malunga nesiqingatha - kwizinga elincinane eliza kusebenza ngenye indlela. Impembelelo kunzima ukugqithisa ngokugqithiseleyo: Kunokwenzeka ukuba unokwenza imali eninzi emva kwentela ngokuhlala ngokuqinile kwiimpahla ezixabisekileyo de kube lo mgca wumlingo udlulile kunokuba ungazikhupha ngokukhawuleza, ukuba ugqiba ukuthengisa ngentengo ephantsi. Iifutshane kwezinye iimeko ezikhethekileyo, ukuba ininzi, okanye inxalenye ebalulekileyo, inzuzo ye-potifoliyo yakho ityathwa njengexesha elifutshane, kwaye uyaphumelela ngokukhawuleza, mhlawumbi wenza into engeyiyo .
4. Yakha Amatyala eRhafu aThatywayo njengalo Mthetho-mboleko weRhafu kaRhulumente
Isicwangciso sokunciphisa irhafu esetyenziswe nguWarren Buffett , inzuzo enkulu enkulu yobunini bexesha elide abo batyala imali kwii-securities ezizimeleyo ezifana nezitokisi yimbopheleleko yentela ekhankanyweyo eyakhayo njengexabiso elixabisekileyo kwiminyaka emashumi .
Unokusebenzisa le meko ngokusebenzisa imali ngokubolekileyo ngaphandle kweendleko ukusuka kurhulumente ukuya kwijusi yakho yokubuyisela ngaphezulu nangaphezulu kwezinto ezinokukwazi ukuzenza ukuba uhamba ngeentsuku.
5. Guqulela loo matyala ahlawulwayo kwiRhafu eziThatywayo kwiiNdlalifa zakho usebenzisa i-Cost Inc Basis Loophole emva kokufa kwakho
Enye yeyona nto inamangalisa, iyamangalisa, iyamangalisa (ewe, yinto enhle kakhulu) inzuzo abanomdla-mali bexesha elide banokuyonwabela yinto eyaziwa ngokuba yinto ehamba phambili . Ukubonisa amandla alo, cinga ukuba iminyaka engama-30 edlulileyo, utyalomle i-$ 100,000 kwi-boring, kodwa inenzuzo kakhulu, i-chip chip eluhlaza okwesibhakabhaka njengeColgate-Palmolive. Unqume ukungahlawuli kwakhona izabelo zakho . Kule minyaka, uthunyelwe i-$ 887,557 ngamaxabiso angamaxabiso, owawusebenzisa ukuhlawula iindleko, ukunikela ngokusondeza, ukuhamba, ukubeka ukutya kwitheyibhile, ukuthenga imoto entsha, kunye naliphi lezinto ezininzi.
Ufumanisa ukuba uhleli kwizabelo ezinexabiso lemarike yee-3,930,052 zamaRandi, ezimele inzuzo engabonakaliyo eyi-3,830,052.
Ukuba uthengisa i-stock yakho, mhlawumbi uya kuhlawulwa ngenye indawo malunga ne-912,000 yeeRhafu kwiSithili, kuquka neRhafu ekhethekileyo yoNonyango. Unako ukuhlawulwa irhafu yendawo kunye neendawo ezivela kwi $ 0 ukuya kwii-380,000 zamawaka kuxhomekeke apho uhlala khona. Ngaphantsi kwexesha elibi kakhulu, unokuba ukhangele ukunikela i-$ 1,292,000 kwizinto eziphathekayo ezingenokuba ziphathwe ngabantwana bakho, abazukulu, abantwana, abazalwana kunye nezinye iindlalifa kodwa ngoku zijoliswe ezandleni zezombusazwe. Umngcipheko ophakamileyo uphawula ngoku. Ngokushiya isitokethi sakho esithandwayo ngokucacileyo ngabaxhamli bakho, xa ungekho phantsi kwemida yentlawulo yezindlu, bazama ukuzenza njengokuba bahlawula intengo yemarike yesitokisi (okanye, ukuba bayakukhetha umhla wokulinganisela kwakhona, intengo yemarike xesha). Bafa i-$ 3,930,052 yonke engenayo imali yentlawulo ehlawulwe kuyo, i-$ 1,292,000 eyayiza kufuneka ihlawulwe nguRhulumente.
6. Thatha inzuzo yeZibonelelo zeRhafu eziZodwa zeeAthi ezithile, iiNgcaciso kunye noTyalo-mali
Ngexesha elide, iCongress inikeza imithetho ekhethekileyo kwiintlobo ezithile zotyalo-mali ukuvuselela imarike. Kukho iinzuzo ezininzi zerhafu kwiiNkcazo ze-EE zokulondoloza ezingenakukwenza nantoni na ngoku, ngokubonga kwihlabathi lethu lexabiso lentengo ye-zero, kodwa ngelinye ilanga kwixesha elizayo. Ezinye ii-asethi ezinzima, ezifana neoli kunye nemigodi yamachiza emvelo, ebanjwe ngumbambiswano oyingqinileyo, okanye i-MLPs, inokukuvumela ukuba ukhusele ipesenteji ebonakalayo yemali yemali ehlawulwa rhoqo ngonyaka usebenzisa ixabiso lokunciphisa .
7. Thatha inzuzo yeNgxowa-mali yokuNikwa kweMali yonyaka, mhlawumbi usebenzisa i-Family Partners Limited kunye neziKhuseli zoTywala ukunikezela ngeeMpahla ezingaphezulu kunokungenakwenzeka.
Unyaka ngamnye, umyalelo uvumela abantu ukuba banike inani elithile lemali ngaphandle kokuhlawula irhafu yesipho. Ngomzuzu, ngowama-2017, umda ngu-14,000 wemali ngomntu ngamnye. Oko kuthetha ukuba utshatile, wena kunye nomlingane wakho unokubanika omnye umntu i-28,000 $ ngaphandle kwemiphumo yerhafu kuwe okanye kummkeli. Kubantu ngabanye okanye izibini ezithatha umrhumo weerhafu, ukwenza izipho zonyaka zamasitokethi, iibhondi, i-real estate kunye nezinye izalathiso kumalungu entsapho kunokuthatha umxhongo omkhulu kwiirhafu zokufa oya kuhlawulwa ngenye indlela.