Iintlawulo zeNtengo zeNtengo kunye Nokuba Zixhaswa njani

Iingundoqo zoNcedo lweNtengo

Ixesha lentlawulo-mali, okanye i- capital gain , isetyenziselwa ukuchaza inzuzo ezuzwe ekuthengeni utyalo-mali okanye enye i-asethi ngentengo enye nokuyithengisa ngexabiso elithile, eliphezulu. Ngokomzekelo, ukuba uthenge isiqwenga se-real estate kwi-$ 500,000 kwaye uthengise nge-$ 800,000, kufuneka uxelele ixabiso lemali eyi-$ 300,000 (i-$ 800,000 yokuthengisa intengo-i-$ 500,000 ixabiso lentengo = i-$ 300,000 inzuzo eyinzuzo enkulu).

Izindleko zentengo ayinakuphela kumasheya , iibhondi , iimali ezihlangeneyo . Banokufaka isicelo kwimisebenzi yobugcisa, i- real estate , iinqwelo, amakhadi e-baseball, iibhotile zewayini, iimali zesilivere, izitampu ezinqabileyo zokuposa, okanye nayiphi na into enokuthi ithathelwe ingqalelo imali.

Ukuhlawulwa kweRhafu yeMali

Imithetho yerhafu yokufumana imali eyinkunzi iyahlukahluka kuxhomekeke kutyalo-mali oluthile, ubude bexesha i-asethi yabanjwa, kunye nereyithi yakho yerhafu yengeniso. Ngokomzekelo, ukuzuza kweenkunzi kwigolide okanye kwisilivere kuhlawulwa njengento yokuhlawulela, inomlinganiselo ophezulu (28% ngexesha lokupapashwa) ngaphezu kweenzuzo ezinkulu kwiimpahla (i-15% yezibambiso zexesha elide ezithengiswayo). Kukho ngokuphindaphindiweyo okuthathu xa kuqhathaniswa nokumisela unyango lwerhafu lwenzuzo yakho. Zezi:

1. Iyintoni unyango lwerhafu kwi-asethi engaphantsi kweengxowa-mali? Njengoko kuthethwe ngaphambili, i-gold and silver silver gains are taxed at higher rates ngaphezu kweenzuzo ezinkulu ezihlawulwe kwiimpahla okanye kwiibhondi. Ngokufanayo, imithetho yerhafu inikezela ngokukhululeka kwemali yexesha elizeleyo lokufumana iimpahla zabanini-propati abazithengisa indlu yabo ngenzuzo (eyona nto izuzisa inzuzo enkulu ngenxa yokuba ivela ekuthengiseni impahla eyathengwa ngentengo ephantsi). Sathetha ngale nto ngokubanzi kwi- Capital Beneins Taxing Periods , eyanikezela ngemimandla nolwazi oluninzi malunga nokuba ubude bexesha obambe utyalo-mali lunokumisela, ngenxalenye, ixabiso lentlawulo yexabiso eliza kuhlolwa.

1. Iyiphi ixesha lokubanjwa kweerhafu lentengo? Ubungakanani bexesha owabamba utyalo-mali. Ngokutsho kwe-IRS, iwashi iqala ngosuku othengayo ngayo utyalo-mali kwaye usuphelile umhla owuthengisa ngawo. Ukukhuthaza ukutshala imali kwexesha elide , urhulumente uhlala ehlawula ixabiso lentlawulo ephantsi kwiimpahla ezigcinwe ixesha elide kunexesha elithile elifana ne-1 okanye iminyaka emi-5. Ezi zihlawuliswa njengenzuzo yexesha elide. Utyalo-mali olugcinwe kwaye luthengiswa kwisithuba seentsuku ezingama-365 okanye ngaphantsi kuthathwa njengebambiso zexesha elifutshane kwaye nayiphi na inzuzo iya kuhlawulwa kwizinga eliqhelekileyo lokufumana umvuzo. Umzekelo, umvuzo wakho kunye nemali ehlawulwayo ihlawuliswa kwi-28%. NgoJanuwari 1, uthengisa izabelo eziyi-100 ze-Coca-Cola nge $ 5,000, uze uthengise iinyanga ezine emva ko-1 uEpreli kwi $ 5,500. Ekubeni uthengise ngexabiso eliphakamileyo kunexabiso lakho lokuthenga okanye ixabiso, uza kwenza i-$ 500 kwaye ufumane irhafu yengeniso. Nangona kunjalo, ngenxa yokuba awuzange ubambe izabelo zesitokisi ixesha elide kunonyaka owodwa, uya kuhlawula irhafu yexabiso lentlawulo ephezulu eya kulingana nereyithi yakho yerhafu yokufumana ingeniso ye-28% endaweni yexesha elide lokufumana irhafu yentlawulo 15% okanye ngaphantsi.

1. Ngaba i-capital earnings iyancitshiswa yilahleko enkulu? Ukulahlekelwa kweentlawulo eziphambili kukuphambene neenzuzo ezinkulu-kunokuba uthengise imali-mali yakho ngenzuzo; uyabathengisa ngelahleko. Uninzi lwexesha, unako ukuhlawula nayiphi na irhafu yentlawulo oza kuhlawulwa ngayo ngokunciphisa ilahleko zentengo kwi-investments efanayo. Ngokomzekelo, ukuba unayo imali eyi-100 000 yexesha elide elifumanekayo kwisitokisi esisodwa kunye ne-30,000 yeeyure ezilahlekileyo kwixesha elide, ungakwazi ukuhlawula irhafu kwi-net capital gain of $ 70,000, ukugcina imali. Ngomhla we-2016, ukuba unayo ilahleko eseleyo emva kokuba zonke ezinye iindleko zentengo zisetyenziselwe ukuzincitshiswa, i-IRS iya kukuvumela ukuba ufike kwi-$ 3,000 ukusuka kwingeniso yakho engenayo (okanye i-$ 1,500 ukuba utshatile kwaye uthumela ngokuhlukileyo). Emva koko, ukuba nayiphi na ilahleko ihlala emva koko, uya kukwazi ukuyisebenzisa ekubuyiselweni kwentela ezayo njengoko ilahleko zentengiso.

Ukufumana ulwazi oluthe vetshe, nceda uvakashele kwi-www.IRS.gov, okanye uthintane ne-akhawunti yakho okanye i-IRS.