Indlela yokubala iRhafu-Equivalent YiNtlawulo kwiNtlawulo-Intlawulo-mali

Ukuqonda Imilinganiselo Yakho Eyona Yenene Yokubuyiselwa kwiiNkxaso-mali zokuTyala

Xa abatyali-mali befuna iimali-mali ezikhuselekileyo ezivelisa ingeniso, baninzi bacinga ngeemali ezingenakunqwenelekayo zokufumana imali. Kodwa kukho ezininzi iintlobo zeekhonkco, ukusuka kwiibhondi zenkampani ukuya kwiibhondi zikaRhulumente ezifana nezibopheko zeSebe lezeMali, kunye neebhondi zomasipala. Ezi ntlobo zotyalo-mali zihluke kwii-stocks ezininzi njengoko zingasetyenziselwa ukuvelisa ngokuqhelekileyo, ingeniso engapheliyo ngokuchasene nokunyuka kwexabiso ngenxa yemali eyinzuzo .

Nangona kukho iintlobo ezahlukileyo phakathi kweentlobo ezahlukeneyo zeekhonkco kunye neemeko ezikhoyo phakathi kwamabhondi ngamnye kunye nabanini abahlukeneyo kunye namanani entengo, mhlawumbi kwizinto ezibaluleke kakhulu kwiintlobo zabathengi kwabanye abatyala-mali.

Kukho iklasi enye yezibophelelo zikhetheke ngokukhethekileyo kuba zikhululekile kwi-federal kwaye kaninzi zikarhafu zerhafu. Ezi zibophelelo zibophelelo zikamasipala.

Izibonelelo zerhafu zeeMali zeMasipala

Ngokungafani nezinye iindidi zebhondi, inzala kumabhondi kamasipala, kunye neengxowa-mali ezithile zamasipala, akhululwa irhafu yengeniso. Ukongezelela, ukuba uhlala kummandla okanye kumasipala apho ikhontrakthi leyo ikhishwe khona, inokukhutshwa kwerhafu yengeniso yelizwe.

Ngenxa yezikhefu zerhafu, abo bakhonkcoli bemivuzo ephezulu bangafuna ezi ntlobo zeebhondi ukuze baphephe ukuhlawula irhafu kwintlalo eyenziwa. Nangona abo bakwii- bracket eziphezulu baya kubona inzuzo enkulu, nabani na ofuna i-investment income engenakunceda.

Isibalulekileyo kukuqonda indlela yokuqhathanisa amaxabiso omyinge phakathi kotyalo-mali okhutshwe ngerhafu njengamabhondi kamasipala kunye nokutsalwa kwetyala oluqhelekileyo.

Indlela yokubala iRhafu-Ukulingana okulinganayo

Ngokuqhelekileyo, ukuthelekisa izibophelelo ezimbini kulula. Yonke into ilinganayo, ubophelelo kunye nomyinge onomdla ophezulu uya kunika imali ngaphezulu kwexesha.

Kodwa awukwazi ukuthelekisa iirhafu zemali xa ukhangela izibophelelo ezihlawulwa irhafu ngokuchasene nezibophelelo eziqhelekileyo ezihlawulwayo. Kungenxa yokuba kufuneka uphawule iirhafu okanye, njengokuba kunjalo nangamaqumrhu kamasipala, ukungabi nako. Ukuba unesibophelelo sokurhafisa esihlawulela inzala ye-3%, inani lakho langempela lokubuyisela liya kuba ngaphantsi kwe-3% kuba kufuneka uhlawule irhafu kwintlalo. Ngoko ukwenzela ukuba uthelekise izinga lokubuyisela imali lokuhlawula imali kwi-investment non-taxable, kufuneka usebenzise ukulingana okulandelayo:

Isivuno esifanayo seRhafu = intlawulo yemali ÷ (1 - izinga lakho lentela)

Kulo mzekelo, masicinge ukuba ungama-25% ekhokhsi yerhafu kwaye ukhangela ibhondi kamasipala enesiqebana, okanye inzala ye-2.5%. Ukuba ufuna ukwazi inani langempela lokubuyisela kwisibophelelo esingenakuxakeka koomasipala, loo nto iya kuba yinto elinganayo kwi-bondable taxable, uza kwenza oku kubalwa:

Isivuno esilingana nentela = 0.025 ÷ (1 - 0.25) , okanye 0.025 ÷ 0.75 = 3.33%

Oku kuthetha ukuba uzakufumana i-akhawunti yokulondoloza imali, i-CD, okanye ibhondi ekuhlawula ubuncinane 3.33% ukwenzela ukufezekisa izinga elifanayo lokubuyisela njengesibophelelo sakwa-2.5% sipala. Kulo mzekelo, siphendula kuphela ukugcinwa kwerhafu yentlawulo. Ukuba ibhondi kamasipala nayo ikhululekile kwiirhafu zorhulumente, izinga langempela lokubuyisela liya kuba liphezulu kakhulu.

Thelekisa iRhafu yeRhafu ngokuchanekileyo

Xa ukhangela utyalo-mali lokuvelisa imali, kubalulekile ukuqinisekisa ukuba uthelekisa iipulo kwiipulo. Nangona ezininzi izibophelelo zerhafu zingabonakala zinomlinganiselo omncinane wenzala ekuqalekeni, ngokuqinisekileyo awuyi kukwazi ukufumana izinga lakho langempela lokubuyela uze ubale isivuno esifanayo .