- Uchungechunge Iibhondi zokulondoloza azixhomekeke kwiirhafu zaseburhulumenteni okanye zendawo. Xa utyalomali kwiChungechunge I-bonds yokulondoloza, awuyi kuhlawula irhafu ngenzuzo yengeniso oyifumanayo kurhulumente wakho okanye urhulumente wengingqi. Oku kuthetha ukuba imali eninzi iphelela ephaketheni lakho ekupheleni konyaka kunokuba unayo inqobo yesibophelelo.
- Uchungechunge Iibhondi zokulondoloza ziphantsi kweentlawulo zikaRhulumente. Xa uthenge iChungechunge lwam Iibhondi zokulondoloza, uya kubakhokhela irhafu yeburhulumenteni ye-Federal interest interest you earn during the time you hold the bonds. Ngenxa yokuba iChungechunge I-bond I-bond yohlobo oluthile lwe-bhondi eyaziwa ngokuba yi-"khonkco" (oko kukuthi, awuyi kuhlolwa rhoqo kwi-imeyile; xabiso, kwaye uya kufumana inzala kumdla wakho.) Unokuzikhethela phakathi kweendlela ezimbini zerhafu: indlela yokwenza imali okanye indlela yokwenza imali. Indlela yemali ithetha ukuba uza kuhlawula irhafu kwiibhondi zakho xa uzikhulula (oko kukuthi, ukuzithengisa kwakhona) kurhulumente wase-United States. Ukuba ubambe isibophelelo sakho iminyaka engama-20, ngoko awuyi kuhlawula nayiphi irhafu ngeli xesha, kodwa uya kuhlawulwa irhafu xa uthengisa ngaphandle kotyalo-mali. Ukuba ukhetha indlela yokwenza irhafu kwiibhanki zakho, uya kuhlawula irhafu efunekayo ngenxa yemali oyifumene yonyaka eyongezwe kwinqununu yakho.
Ukusebenzisa i-Series I Bonds ukuhlawula iindleko zemfundo
Awuyi kuhlawula nayiphi na irhafu ngenzuzo yengeniso oyifumana kwi-Series Yakho I-bonds yokulondoloza xa uyisebenzisela ukuhlawula iindleko zemfundo ezifanelekileyo kwaye uhlangabezana nemingeniso yemali. Yiyiphi into enokubalwa njengeendleko zemfundo ezifanelekileyo? Ezi ziquka:
- Imfundo kunye nemirhumo efana nezifundo zebra ezifunekayo kwiyunivesithi okanye kwiikholeji
- Iindleko ezihlawulwayo nayiphi na ikhosi efunekayo njengenxalenye yesicwangciso sakho segranti okanye inkqubo yokunika isatifikethi.
- Iindleko zeencwadi okanye igumbi kunye nebhodi azibalanga njengeendleko ezifanelekileyo.
- Iindleko kufuneka zenzeke egameni lakho, iqabane lakho, okanye umxhomekeke kulowo ubiza ukuba ukukhululwa kwerhafu.
Kukho ezinye iimeko ezingakhokheli irhafu kwiChungechunge Lwamabhondi okugcina.
- Kumelwe ukuba ndathengwa emva ko-1989.
- Kumele uhlawule iindleko zemfundo ezifanelekileyo kunyaka werhafu ofanayo nawe ubeka imali kwiChungechunge lwanamabhondi okugcina.
- Kumele ube ubuncinane kwiminyaka engama-24 okanye ngaphezulu kwi-1 ngosuku lwenyanga apho uthenge khona izibophelelo. Ukuba uneminyaka engama-18, umzekelo, awuyi kulungele ukusebenzisa i-Series I i-bonds yokugcina ukuhlawula wena okanye iindleko zekholeji zasekhaya; uya kuhlala unamathela kwi-bill yeerhafu.
- Ukuba usebenzisa iSichungechunge sam Iibhondi zokulondoloza ukuhlawula imfundo yekholeji yomntwana okanye omnye omncinci onokumlulela njengomxhomekeke, iibhondi mazibhaliswe egameni lakho kunye / okanye igama lomlingane wakho. Ungabhala uluhlu lomntwana wakho njengomxhamli onyanisekileyo, kodwa awukwazi ukubhala njengomnini. Ngaphandle koko, awuyi kufumana ukuxolelwa kweerhafu kwiibhondi xa ndiwasebenzisa ukuhlawula ikholeji.
- Ukuba usatshatile, wena kunye nomlingane wakho kufuneka ufake ifayile yokubuyisela irhafu ukuze ufaneleke kwiChungechunge Iingeniso zentlawulo yeebhondi.
- Kufuneka uhlangabezane nemingcele engeniso ebekwe nguNondyebo weSebe lezeMali ukuba ufanele ukufumana iintlawulo zerhafu zeChungechunge Izibophelelo zokugcina. Kukho izibalo ezicacileyo zokufika nokuba ngaba awufaneleki (funda ifom ye-IRS 8815). Ngonyaka ka-2008, ukukhishwa komdla kwaqala ukuphuma kwi-AGI eyi-67,100 kwaye yaphela ngo-82,100. Kwiifayile ezidibeneyo ezitshatileyo, iintlawulo zerhafu zaqala ukuhlaziywa kwi-$ 100,650 kwaye ziye zaphela ngokupheleleyo xa imali yakho ehlawulisiweyo ingenayo i-$ 130,650.
- Ikholeji, isikolo sobugcisa, okanye iyunivesiti kufuneka ihlangabezane nemigangatho yoncedo lombuso, njengenkqubo ebolekileyo yokuboleka imali. Ngaphandle koko, awuyi kufumana iChungechunge I-bond ye-tax exclusion.
Kubalulekile ukuqonda ukuba i-Series I Iingxowa-mali zentlawulo ye-bond bond iza kuncitshiswa ngemali nayiphi na i-scholarships, ubudlelwane, inzuzo yemfundo enikezelwa ngumqeshi, okanye ukuncitshiswa kwezinye izifundo, ngokweSebe le-Nondyebo. Ezi ziza kunqunyulwa ngokuthe ngqo kwi-calculation cost expenditure.
Kwakhona, kufuneka usebenzise zombini inqununu kunye nenzuzo yengeniso kwi-Series I I-bonds yokulondoloza ukuhlawula iindleko ezifanelekileyo. Ukuba ixabiso leebhanki zakho lidlula inani leendleko zakho ezifanelekileyo ezihlawulwa kunyaka, inani lemfuno ongenakuyibeka ngaphandle kwerhafu liyancitshiswa. Yingakho unokuba ufuna ukucinga ukufumana iphepha elincinane lamaphepha eenkcukacha Iingxowa-mali ezilondolozayo endaweni yezibophelelo ezimbalwa ezinkulu. Unokuzikhulula kwiibhentshana ezincinci ukukunceda ukuqinisekisa ukuba akuyona ingxaki.
Uluhlu lweeNkcazo zeeNkcazo zeRhafu ezixhaswa nee-EE Bond Tax Benefits
Iingqungquthela Iingeniso zerhafu ezinxulumene neentlawulo zifana neenzuzo zerhafu zoxanduva lwe-EE lokulondoloza . Ukuba unabini bobabili njengenxalenye yesikhundla sakho sephothifoliyo esingenayo, le nto kufuneka yenze ukuba kubalwa kube lula ukwenza xa kufika ixesha lokubhatala kwiibhanki zakho kwaye uhlawule umrhumo wesikhokelo.
Okunye malunga neChungechunge I-Savings Bond
Unokufunda isiKhokelo sethu sokuTyala imali kwiiNkcazo zeMali zoLondolozo . Oku kuya kukuhamba ngeetoni zeenkcukacha malunga nokugcinwa kweekhonkco, ngokukodwa uchungechunge lwam ubophelelo olulondolozo, kubandakanywa nendlela ongayongeza ngayo kwipotfoliyo yakho, imida yokuthenga yonyaka, iimfuno zobunikazi, iintlawulo zerhafu, kunye nokunye okuninzi.