Nciphise Iindlalifa Zakho zeNkunzi zeNtlawulo zeNtlawulo kunye nokugcina imali engakumbi kwiNtsapho yakho
Ukuphathwa ngokuchanekileyo, isiseko sokunyuka kwesantya siyi-ace up your capital sleeve. Ndiya kufikelela ekuthiwa yinto yesibini esondeleyo ukuya kudibanisa i- Roth 401 (k) kunye ne- Roth IRA ngokwemali yokuqokelela imali ngendlela ephezulu kakhulu yentlawulo kwintsapho xa uthatha indlela eyahlukeneyo. Ngaphantsi kweemeko ezithile, kunokukhethwa ukuba i- IRA enefa .
Yiyiphi ikhefu ephakanyisiweyo? Ngaphantsi komthetho werhafu wamanje eUnited States, xa usweleka, izitokethi ezifanelekileyo, i-estate, kunye nezinye izinto eziphambili ozishiya kwiindlalifa zakho zifumana isiseko saso sokuqala sezindleko sichithwa ngokupheleleyo. Iindlalifa zakho zizenzele ngathi zithengisa isitokisi okanye impahla kwixabiso lemarike elungileyo ngomhla abazuze ngayo ifa. Oku kunokuba luncedo kakhulu - kunzima kakhulu ukugqithisa xa uqonda amanani-kwixesha elide, abathengi-kunye-abathathi-zimali abathi, ngokwemvelo yabo, banokwakha i-jaw-drop down the tax taxer ukukhulisa umnini wabo ngokukhawuleza kunokuba kunokwenzeka ukuba kunokwenzeka ngenxa yokuba baqonda iindleko zokuxhatshazwa "zokutshintsha iindleko".
Umzekelo Wendlela I-Stepped-Up Basop Loophole inokujonga ngayo kwiLizwe leLizwe
Cinga ukuba uphumelele ngokufanelekileyo. Njengemindeni e-1 kwi-5 e-United States, ufumana ubuncinane be-$ 8,333 ngenyanga. Uhlala ngaphantsi kweendlela zakho. Kwakhona, ufana nesininzi seentsapho zaseMerika kwi-akhawunti yokuba ungenayo ityala lekhadi lesikweletu okanye i- mboleko yomfundi .
Siza kuthatha nje ukuba awufani nabanikazi bezindlu aba-1 abangenawo umboleko, kodwa, endaweni yoko bekufuneka bahlawule imali yokuthenga indlu yakho ngoko kukho iintlawulo eziqhelekileyo ezibandakanyekayo kodwa zithobekile ngenxa yokuba unomdla ngemali yakho. Uceba ukuhlawula loo nto ngaphambi kokuba uthathe umhlalaphantsi, nangona kunjalo, akunjalo ukuba ungalali ubuthongo ebusuku.
Unquma ukuba uya kulondoloza i-1/10 yakho yokuqala ngeniso yerhafu kwi- akhawunti ye-brokerage rhoqo okanye ngokusebenzisa izicwangciso zokuthengwa kwamasheya ngqo kunye nomntakwabo osondeleyo, ii-DRIP . Utyalole kwibhakethi yeempahla ezibandakanya izinga lokubuyela . (Ngenxa yokulula, siya kuthatha ukuba uthenge kuphela amasheya ahlawulayo ahlulayo njengoko iya kugcina umzekeliso ngqo-phambili kodwa umxholo ophantsi ungalingani nantoni). Ugcina iminyaka engama-35. Awunokwandisa imali yakho yonyaka ngokunyuka kwamaxabiso kangangokuthi umele umthwalo omncinci kunye omncinci kwimali yakho yokuhamba njengoko ixesha lidlula kwaye idola lilahlekelwa ngamandla okuthenga .
Kule minyaka, ubeka eceleni i $ 350,000 ephakamileyo lakho. Uphela nge-$ 2,710,244 ehleli kwi-akhawunti yakho yokuthengisa. Oku kufumana inzuzo engafanelekanga ye-$ 2,360,244.
Ukuba uthengisa isitokethi, phantsi kwemigaqo yerhafu yonyango, uza kuhlawula ngokubanzi:
- $ 472,049 kwiirhafu zeRhafu
- I-89,689 yee-Obamacare irhafu
- Phakathi kwama-$ 0 kunye ne-251,800 zamaRhafu kwiinkalo zikaRhulumente kunye neendawo zendawo kuxhomekeke kwindawo ohlala kuyo
Ngaphantsi kwimeko enzima kakhulu (umzekelo, uhlala eSouth California okanye eNew York City), uya kuba nethamsanqa ukuphelisa i-$ 1,896,706, apho i-350,000,000 emele inqununu yakho yokuqala kunye ne-$ 1,546,706 imele inzuzo yakho emva kokuhlawulwa kwentlawulo ngaphambi kokulungiswa kwexabiso lentengo . Unika isipho imali kwiindlalifa zakho ngokuthanda kwakho okanye nge- fund trust kwaye oko. Ukuba izindlalifa zakho zijikeleza kwaye zichithe imali kwi-asethi efumana amaxabiso aphindayo, ziyakunandipha ukwanda kwe-189,671 yonyaka kunyusa lomntu siqu kubutyebi-obutyebi obutyebi.
Ukuba endaweni yoko, unelungelo lokusebenzisa ithuba lokunyuka ngaphandle kokubangela irhafu yerhafu, ungadlulisela i-$ 2,710,244 iindlalifa zakho ngaphandle kolawulo lukaRhulumente, uRhulumente, okanye oorhulumente bendawo!
Konke okufuneka ukwenze ukushiya izabelo ezithandwayo ze-stock, impahla yepropati, okanye ezinye izinto eziyinkunzi kwiindlalifa zakho. Xa usweleka, ixabiso lemarike elungileyo liza kulandelwa (kwimeko yesitokisi, oku kudla ngokulula njengoko kuyimali-quotation) kwaye iindlalifa zizenzele ukuba zenze loo nto - intengo ezuze ilifa-yindleko yazo.
Le ndlela yokunyuka kwenyuka inika iindlalifa ezimbini iindlela eziphezulu.
- Ukuba babambelela kwisitokisini okanye kwi-real estate kwaye iyaqhubeka nokuvelisa izinga lokubuyisela izinga, bafumana inqanaba eliphezulu le-asethi ye-$ 2,710,244, kungekhona i-$ 1,896,706 engaphantsi. Oku kuthetha ukuba bayakufumana ukwandiswa kobutyebi be-$ 271,024 ngonyaka, kungekhona i-$ 189,671. Le yintlawulo engaphezulu kwama-81,353 ngonyaka okanye 42.89%. Okwangoku, i-$ 813,538 yee-equity equity ehleli kwi- balance sheet inganciphisa iindleko zabo zokuboleka kwenye indawo okanye zisebenzise njengobuncwane ukuba zifuna ukuxhasa imali entsha okanye ukuphuhliswa (into ebaluleke kakhulu kwiintsapho ze-real estate ezinokuthi ziqoke indlu okanye izakhiwo zeofisi njengomsebenzi oqhubekayo kunye nokulindela ukuba isizukulwana ngasinye siza kukhula sibe sisidlula kunokugqibela).
- Ukuba bathengisa i-stock, i-real estate, okanye enye i-asethi, bangayifaka yonke i-$ 2,710,244. Le mali eyongezelelweyo engu-813,538 yeyona mali, eyabanda, eyimali, eyimali yemali eyayiya kubapolitiki kodwa ngoku iyafumaneka kulabo enomdla ukuba uyisebenzise ngenjongo yokwakha ubomi obungcono kubo; ukubeka abantwana babo kwiikholeji, ukuhamba ngehlabathi, ukuzakhela indlu yabo yephupha, ukuthenga imoto entsha, nokuhlawula iindleko zonyango ngaphandle kokuxinezeleka kokukhathazeka ngokwezimali kuba ziindlela ezimbalwa.
Ukusebenzisa ยง2032 Ukhetho lweNyathelo elongezelelweyo lokuVandlakanya ukuPhakamisa iiNzuzo zoLungiso olusisiseko sokuSebenza.
Ukuba oko kwakungafanelekanga, iCongress inikeza isiphunga esongezelelweyo. Kuyo yonke iminyaka ngaphandle kuka-2010 (bekukho izinto ezinzima eziqhubekayo kunye nekhowudi yentlawulo ngexesha elibandakanya into eyaziwa ngokuthi "i-carryover"), izindlalifa zinokukhetha ukusebenzisa enye indlela Umhla wokuxabisa ongekho ngaphezu kweenyanga ezintandathu ukususela ngomhla wokufa. Ukuba i-asethi iye yaxabisa kakhulu, oku kuyinzuzo enhle njengoko ivumela ixabiso eliphezulu nakakhulu ukuba lithande, ukuhlawula iirhafu ezizayo.
Ukuba unika iSitokethi okanye iPropati njengeSipho ngoxa usaphila, uya kuLahla isiseko sokuThuthuka esisisigxina (kodwa sisenokuthi sibe sisimo esihle)
Yintoni eyenzekayo xa ufuna ukunika iindlalifa zakho zesafa ezixabisekileyo okanye enye impahla ngexesha lobomi bakho? Abayi kufikelela ekutheni banokuxhamla ngokulandelelanisa. Kunoko, baya kufumana isiseko seendleko zakho ngokungathi zizo; njengokungathi bona, ngokwabo, bebathengi bokuqala ngemigangatho efanayo, ngelixabiso elifanayo, kunye nomhla ofanayo owenzileyo. Oko kuthetha ukuba phantse kukho ingcamango engcono yokunika imali okanye izabelo ezithengiweyo (apho ixabiso lemarike kunye neziseko zendleko zifaniswa), endaweni yoko, ukugcina isitokethi esiyixabiso kuze kube sekufeni.
Kukho okunye okuphambili kulo mgaqo: Ukuba uya kuhamba ngaphaya kwemida yentlawulo, kwaye ungenayo imali eninzi, ungasebenzisa umlinganiselo werhafu wonyaka wesipho (okwangoku i-$ 14,000 ngomntu ngamnye, ngoku unyaka) ukunika isitifiketi esithandwayo, i-estate, okanye impahla kwiindlalifa zakho ukunciphisa ubungakanani befa lakho, ukusindisa kakhulu kwiintlawulo eziza kuhlawulwa. Kukho neendlela eziphambili eziye zanikwa ukukhanya okuluhlaza kwinkundla yentlawulo echaphazela ukusetyenziswa kobambiswano olulinganiselweyo lwentsapho ukuthumela imali emininzi ngenxa yento eyaziwa ngokuba yi-discount discount (ungazami oku ngaphandle kokubonisana neengcali zerhafu efanelekileyo. ).
Masicinge ukuba unabantwana aba-4 kwaye utshatile. Wena kunye nomyeni wakho okanye umfazi unako ukunikela isipho se-14,000 kwii-nganye zeezingane ezine (i-$ 28,000 iyonke inani ngalinye xa udibanisa i-exclusions yonyaka). Yiyo eyi-112,000 yezigidi ezinikezelweyo, ayisekho phantsi kweentlawulo zerhafu. Ngethuba nje abantwana bakho beqhubeka bephethe isitokisi, banandipha naluphi na ukuxabiswa kobunini ngoku sele beguqulele kubo. Ukuba nokwazisa akuyona inxalenye yefa lakho, ngokuqinisekileyo uthetha ukuba wenze ezinye iirhafu eziza kuhlawulwa ngaphezulu kwerhafu yezindlu kwisipho ngokwawo. Amanani anokufumana ubuqhophololo xa uqhubeka phantsi komthi wentsapho. Cinga ukuba ngamnye umntwana wakho unabantwana abathathu. Ziyizizukulwana ezili-12. Phakathi kwakho kunye neqabane lakho, unako ukunika i-336,000 eyongezelelweyo yerhafu ngonyaka, ngaphezulu kwe-112,000, ibe ngama-448,000. Yenza loo minyaka ye-10, 20, iminyaka engama-30+ kunye nabo bonke kodwa iintsapho ezicebileyo kwihlabathi ziyakwazi ukufuduka ngokuthe ngileyo kwiindawo zabo ezivela kwisizukulwana esinye ukuya kwelinye, ecaleni-i-bill ye-IRS. Qinisekisa ukuba ipropati yokugqibela eyaziwayo ingaphantsi kwemida yerhafu yexabiso kwaye yonke loo nto izuze ilifa kunye nelokuhlaselwa.