Kule ngqaku, siza kujonga ngokuthe ngqo indlela igalelo ezilawulwa ngayo xa kuziwa kutyalo-mali lwamazwe ngamazwe kunye nendlela abatyala-mali abangayenza ngayo imali yabo yokufumana imali.
Ulwahlulo lwentlawulo yeNgeniso
Ukutshala imali kwiimali zakwahlulelo ze-US yinkqubo ngokuthe ngqo. Emva kokufumana izabelo ezivela kwiimpahla ezikhoyo, uzibandakanya kwi-tax return yakho kwaye uhlawule irhafu yengeniso. Ukuba zigcinwe kwiakhawunti ehambelana nentela , njenge- IRA , ngoko awuhlawuli nayiphi irhafu kubo. Ngelishwa, iifowuni zezabelo zamanye amazwe zinzima kakhulu.
Ukwahlukana kukuba izabelo ezihlawulwa yinkampani yangaphandle zingaxhomekeke kwerhafu yilo lizwe lasekhaya. Kwiingcamango, oku kuthetha ukuba kufuneka ufumane iintlawulo zeerhafu ezahlukileyo kwilizwe ngalinye apho ufumana igalelo. Iirhafu zerhafu yokuhlawula ngokwahlukileyo nazo ziyahlukahluka kwilizwe elizwe, oko kuthetha ukuba kufuneka ucele umthengisi wakho ngeerhafu ezichanekileyo.
Iindaba ezilungileyo kukuba amanye amazwe anesivumelwano kunye neUnited States ukwenzela ukuba inkqubo ilula kakhulu, kodwa ezi zivumelwano ziyahlukahluka kuxhomekeke kwilizwe kwaye abatyali-mali kufuneka baqhagamshelane neengcali zerhafu ngaphambi kokuba benze nayiphi na imali-mali.
Kwezinye iimeko, i-United States IRS inikeza izikwereti zerhafu kutyalo-mali ukuba zihlawule iifizi ezihlawula kumaziko angaphandle.
Ukusebenzisa iiKredithi zeRhafu zangaphandle
Inkonzo ye-Internal Revenue Service (i-IRS) inikezela ngetyala lentlawulo yangaphandle okanye i-deduction ehlawuliswayo yerhafu eyongezelelweyo kwilizwe langaphandle kwimithombo yengeniso yangaphandle ephantsi kwentlawulo yase-US kwingeniso efanayo, njengengeniso ye- stock .
Ngokuqinisekileyo, ezi khredithi zerhafu zisebenza kuphela kwiirhafu ezihlawulwayo e-US, ngoko abanye abahlala phantsi bangenakunceda.
Ngokuqhelekileyo, abatyalo-mali abathabatha ngaphantsi kwama-$ 300 kwiirhafu zerhafu zangaphandle bangafaka iikhredithi ngokuthe ngqo kwiFom 1040, ukuba izabelo ezikulo mbuzo zigcinwe kwi- akhawunti yemveli ye- brokerage kwaye ifom ye-1099-DIV yafunyenwe ibhala iirhafu zangaphandle ezihlawulwe. Ngaphandle koko, kunokuba kuyimfuneko ukufakela Ifom ye-1116 ukuze ufake isicelo somrhafu werhafu uze uyifake kwiFomu 1040.
Ekugqibeleni, iitaliti zerhafu zangaphandle azisebenzi kwezinye iimeko. Okokuqala, ikhredithi ayikwazi ukudlulela kwimvelaphi yakho yangaphandle yemali eyahlula iholo lakho elipheleleyo lentlawulo. Kwaye okwesibini, amazwe athile awanelungelo elifanelekileyo ne-United States angenakufaneleka kwintengo yemboleko yetyala langaphandle, kuquka amazwe ase-US alwa nawo, umzekelo.
Iingxelo zeAkhawunti yomhlalaphantsi
Abo bane-akhawunti yomhlala phantsi, njengama-401 (k), ii-IRA nee- Roth IRAs , kufuneka zihlawule ngokukodwa kule miba. Ekubeni akukho ntlawulo yengeniso ehlawulwayo e-US kwizahlulo, naziphi na iintlawulo zerhafu ezingaphandle kwii-akhawunti zilahleka ngonaphakade. Kwamazwe apho irhafu yentlawulo ingaphaya kwama-20%, oku kunokunciphisa kakhulu ukuveliswa kwezivuno ezifanelekileyo .
Kukho amazwe ambalwa angayigodli nayiphi irhafu kwizabelo okanye unamalungiselelo akhethekileyo kubatyalomali baseMelika. Ngenxa yoko, abatyali-mali abanama-akhawunti anelungelo lokuhlawula irhafu banokufuna ukunciphisa i-investor stock yabo kwilizwe langaphandle.
Iimvumelwano Zentlawulo & Amanqaku Okugqibela
Uninzi amazwe aneemvumelwano zerhafu kunye ne-US, enokukunceda ukuhla kwexabiso lentlawulo kubatyalomali kwiimpahla zentengo zangaphandle. Kodwa kwezinye iimeko, irhafu yeerhafu ingahluka kwi-broker ukuya kumthengisi, kuba ngamnye umthengisi kufuneka afake iphepha kunye namagunya angaphandle. Kwezinye iimeko, abatyali-mali ngabanye banokukhetha ukwenza le ndlela ukuze bafumane isaphulelo esiphuculwayo .
Ekugqibeleni, iifowuni zezabelo zangaphandle zingaba shishini elikhohlisayo kubatyalomali. Kodwa ngokubanzi, kubalulekile ukukhumbula amancinci amancinci athile xa utyalo-mali kwizabelo ezivela ngaphandle .
- I-US inika irhafu yerhafu yabangaphandle kubatyalomali abasengozini yokuhlawula irhafu ngokuhlawula irhafu yentlawulo kwilizwe langaphandle kunye ne-US.
- Iingxelo zeRhafu zomhlala-phantsi azivunyelwanga ngetyala lentlawulo yangaphandle , kuba abazange bahlawulise irhafu kwi-US
- Abatyalomali kufuneka bacele abadayisi babo ukuba bafunde ngezinga lokuhlawula irhafu kumazwe ahlukeneyo, kuba amaxabiso ayahluka phakathi kwelizwe nakwiziko lemali.
- Abatyalomali bangaphinda bafune ukubonisana neengcali zerhafu ukujonga ukuba le micimbi yerhafu ifuthe njani imeko yabo ethile xa kufikelele ekutyala imali.