Musa ukuhlawula iifihla ezimbini kwiiNkxaso zakho zeMali
Iimali zeMatual Fund ziTekisiwe
Iimali zokubambisana azifani nokokunye ukugcinwa kweemali, ezifana nezitokisi, kuba ziiifofoliyo ezilodwa, ezibizwa ngokuba zityalo-mali, ezithatha ubuninzi okanye amakhulu eminye emasheya.
Ngoko ke umsebenzi ohlawuliswayo owenzekayo njengenxalenye yokulawulwa kweengxowa-mali eziphathekayo kudlulela kumthwalo werhafu kuwe, umtyalo-mali ohlangeneyo. Ngokomzekelo, ukuba isitokethi esiphethe kwingxowa-mali yakho iya kuhlawula igalelo, emva koko umphathi wezezimali uthengisa isitoreji ngexabiso eliphezulu kunokuba uhlawule, uya kuhlawulwa irhafu kumanqanaba amabini: 1) Irhafu yentlawulo, ngokubanzi ihlawuliswa njengeniso, kunye ne-2) Ingeniso yerhafu yexabiso, eya kuhlawulwa irhafu kwixabiso lemali eyinzuzo.
Kwaye nokuba ngaba uye wabamba kuphela i-fund eyodwa kwiinyanga ezimbalwa kwaye awuzange uthengise nayiphi na isabelo, kunokwenzeka ukuba unokufumana inzuzo yexesha elide lokufumana imali (ukucinga ukuba imali yokubambisana iqhube isitokethi ngaphezu konyaka) . Ngako ke iirhafu ezihanjelwe kuwe ngenxa yemisebenzi ngaphakathi kwesikhwama sokubambisana, kungekhona ngenxa yemisebenzi yakho yokutyalomali
Qaphela kwakhona: Iimali ezahlukileyo zeMatual Fund zi-Taxed
I-All-Too-I-Mistake eqhelekileyo yokuThawula kweeMali zeMali eziMibini
Ngoku uthatha iminyaka emi-5 kwaye uthengisa imali yakho.
Kwaye masicinge ukuba utyalo-mali lwangaphambili lwama-share value ye-10,000 kwi-fund kunye kwaye uhlawule ama-$ 400 kwizabelo ngonyaka ngamnye iminyaka emi-5. Ukuze ube ngumtyalo-mali osisigxina osisigxina, ukhethwa ukuba zonke izabelo zivunwe kwizabelo ezininzi ze-fund yakho. Uyenze umsebenzi omhle ukhetha i-fund yakho kunye kunye nokwazisa kwexabiso lentengiso, kubandakanywa i-dividend reinvestment, kukunika inani lokugcina eli-$ 15,000 xa uhamba ukuthengisa imali yakho.
Ekubeni uthenge i-fund kwi-R10 000 kwaye uthengise kwi-15,000 yeedola, uya kuhlawula irhafu kwi-5,000 ye-$ kwimali eyinkunzi, kunene? Ukuba unjengezigidi zabanye abatyalo-mali abenza iphutha elifanayo, ewe uza kuhlawula irhafu kwi-5,000 ye-$ "kwimali." Kodwa uya kuba uphosakele kwaye ngoko uza kuhlawula imali eninzi kwiirhafu!
Kutheni le, ucela? Khumbula, utsalomali lwakho lwangaphambili lwaluyi-$ 10,000 kodwa utyalomali (okanye ukutshalwa imali kwakhona) $ 2,000 kwizabelo. Ngenxa yoko isiseko sakho se $ 12,000 kwaye inzuzo yakho ehlawulwa irhafu yi-$ 3,000 (engekho i-$ 5,000)!
Ngaba unokubona ukuba impazamo yeerhafu eqhelekileyo ingenzeka lula kangaka? Umzekelo wam apha apha wenziwe lula kwaye awuyikuphendula ngokuxhamla inzala kodwa isifundo siyaqhubeka sinye: Abaninzi-zimali bacinga ukuba imali abaye batyale ngayo kwi-pocket fund yabo i-pocket yabo yile mali yabo yokuqala okanye "isiseko" sokubikwa kwengxelo.Kodwa i-IRS ithi yonke igalelo elibuyisiwe kunye nenzuzo yokufumana imali ngokubala "njengotyalo-mali".
Unokuphepha ukuyenza impazamo efanayo ngokugcina zonke iingxelo zakho zeengxowa-mali kunye nokubeka ingqalelo kuzo zonke iimali ezityalomaliweyo kwaye, ngokubaluleke kakhulu, ixabiso "livunwa." Ungabhekisela kwakhona kwi-IRS Publication 550.
Kungcono, gcina izitatimenti zakho uze udlulisele kunye neengcali zakho zerhafu xa uhamba ngobomi bakho.
Ukuziphendulela: Ulwazi olukule ndawo lunikezelwa ngeenjongo zengxoxo kuphela, kwaye akufanele lichazwe njengeengcebiso zerhafu okanye iingcebiso zotyalo-mali . Ngaphandle kweemeko ngaba le nkcazelo ibonisa isincomo sokuthenga okanye ukuthengisa iziqinisekiso.