Ukwenza Ingqiqo Yentlawulo Yangaphandle
Ukukhula ngokukhawuleza kweemarike zamazwe ngamazwe kuye kwadala amathuba amaninzi kubatyalomali kwiminyaka yamuva. Ngelishwa, liye ladala nzima kwaye kunzima ukuqonda imeko yerhafu. Ukongeza kokuhlawula irhafu yase-US kuwo wonke umvuzo osuka kwimithombo yamanye amazwe, abatyali-mali basemhlabeni bangaphinda bahlawule irhafu kwilizwe langaphandle apho utyalo-mali lwabo lukhona khona.
Nangona le ntlawulo ephindwe kabini inokuphinda iphinda iphishwe kwakhona kwiiNkcazo zeRhafu zaphesheya, abatyalo-mali belizwe lonke kufuneka bazifundele ngemithetho yerhafu yangaphandle. Le migaqo ihluke kwilizwe lizwe, kodwa siye sanikezela ngezibonelelo ezingezantsi ukunceda ukwenza inkqubo ibe lula.
Kule nqaku, siza kujonga ukuba ngaba akukho mfuneko yokuhlawula irhafu yamanye amazwe, ukufaneleka kwamatyala entlawulo, ukuhlawula irhafu yamanye amazwe kunye nezinye iingqalelo kubatyalomali bamazwe ngamazwe.
Ngaba Unayo Ukuhlawula Imirhumo Yangaphandle?
Abatyalomali abafuna ukufikelela kwiimarike zamanye amazwe banokukhetha okuthathu: I-Mutual Funds, i-Exchange-Traded Funds (ETFs) kunye noTyalo-mali oluPhezulu. Ngoxa i-US kunye neemali ze-ETF zingabamba iintengo zangaphandle, zihlawula iirhafu zangaphandle kwizalomali. Nangona kunjalo, le mali ingabela iirhafu zangaphandle kubanikazi abanini-zimali, ukubonelela ngenzuzo yerhafu (Jonga kwiNgxowa-mali yeMali yangaphandle).
Utyalo-mali oluzenzekelayo kwiimpahla ezivela ngaphandle nakwiimerika zokufumana iiReposipts Receives (ADRs) zinokungqina ngakumbi. Ii-ADR ziqhele ukuthengiswa ngokufanayo nokutyalo-mali lwasemakhaya, kodwa amanye amazwe aya kubamba iirhafu kwiintlawulo zezabelo . Okwangoku, utyalo-mali ngokuthe ngqo kumashishini angaphandle angabandakanya irhafu yengeniso yangaphandle kwiintlawulo zombini kunye neenzuzo ezinkulu.
Abatyalomali bakhuthazwa ukuba batyelele utyalo-mali okanye umcebisi weerhafu ukuqinisekisa ukuba bayabika ngokufanelekileyo kunye nokuhlawula irhafu kwiimpahla zabo zangaphandle.
Ngaba Unelungelo lokuTyala kweRhafu yangaphandle?
Inkonzo ye-Internal Revenue Service yase-United States inikezela ngetyala lentlawulo yangaphandle okanye ukuxothwa kwabathengi abafanelekileyo abafumana ingeniso evela kwimvelaphi yamanye amazwe. Nangona yonke ingeniso yentengo-mali yangaphandle kufuneka ibhengezwe kwifom ye-1040 kwi-dollar yase-US, abatyali-mali bangayifaka ifom ye-1116 yokufumana i-credit okanye iyancitshiswa. Abatyalomali abahlawula ngaphantsi kweedola ezingama-300 kwiirhafu zangaphandle zemali banokuthi bathathe iirhafu ezihlawulwe kwiNqanaba 51 leFomu 1040.
Ngokutsho kwe-IRS, imigaqo-siseko elandelayo kufuneka ihlanganiselwe ukuze ivumeleke:
- Irhafu kufuneka ibekwe kuwe.
- Kufuneka uhlawule okanye ufumane irhafu.
- Ierhafu kufuneka zibe yimbopheleleko yomthetho kunye neyona yangaphandle yentlawulo.
- Irhafu kufuneka ibe yerhafu yengeniso (okanye irhafu endaweni yalo).
Imigaqo-nkqubo eyongezelelweyo, kubandakanywa nezithintelo kubahlali abahlali nabangewona abahlali, ingafaka isicelo. Ukufumana uluhlu olupheleleyo lwemiqathango kunye nemiyalelo yokugcwalisa ifom, funda i-IRS Publication 514.
Uhlawula njani iintlawulo zezinye iintlawulo?
Ingeniso yentengo eyenziwa kumazwe angaphandle ahlawuliswa kwiirhafu ezahlukeneyo, kuxhomekeke kwimithetho nemimiselo kwilizwe ngalinye.
Ngenhlanhla, amazwe amaninzi anesivumelwano kunye ne-United States eyenza kube lula ukuphepha ukuhlawula irhafu. Kwimeko yezabelo , ezi ntlawulo zivaliwe ngokuzenzekelayo, kodwa iirhafu zentlawulo zentlawulo zinokusetyenziswa.
Izindleko zerhafu yexabiso lentengo kunye nemithetho iyahluka kakhulu kwilizwe, ngoko abatyalo-mali batyalwa ukuba badibane notyalo-mali okanye umcebisi weerhafu.
Iingcebiso ezibalulekileyo zokukhumbuza malunga neRhafu yangaphandle
- Iimali zengxowa-mali kunye ne-ETF zinganceda abanini-mali ukuba bafumane inzuzo yerhafu, kodwa baqabile ukuba abaotyalo-mali bahlawule ngokuthe ngqo iirhafu zangaphandle.
- I-ADR kunye notyalo-mali oluthe ngqo kwiimarike zangaphandle zingaxhomekeke kwizibambiso zentlawulo kunye neentlawulo zentengo-mali, ezahlukahluka kwilizwe.
- Abemi abafanelekileyo base-US kunye nabafokazi banokufumana ilungelo lokuthenga ngetyala lwamanye amazwe ukukhusela ukuhlawulwa kabini, ngelixa abo babika ngaphantsi kweedola ezingama-300 kwiirhafu zangaphandle bangathatha ngokuzenzekelayo ukuxothwa.
- Bonke abatyali-mali bacebise ukuba batyelele utyalo-mali okanye umcebisi weerhafu ukuqinisekisa ukuba bayabika ngokufanelekileyo kwaye bahlawula nayiphi na irhafu yerhafu.