Musa ukubanjelwa ngetyala lakho lokuhlawula umhlala-phantsi.
Uhlobo ngalunye lwemali engenayo oyifumanayo luya kuba nemithetho eyahlukeneyo yentela esebenza kuyo. Ukuqikelela iirhafu zakho kumhlala-phantsi, kufuneka ukwazi ukuba umthombo ngamnye wembuyekezo ubonisa ntoni ukubuyela kwerhafu yakho.
Ngezantsi ngaphantsi kwale ndlela ukuba iintlobo ezithandathu eziqhelekileyo zokufumana umhlala-phantsi zihlawuliswa. Emva koko ndinika umzekelo wendlela yokuqikelela isantya sakho serhafu kunye neerhafu ezipheleleyo kumhlalaphantsi.
1. Ingeniso yeNtlalo yoKhuseleko
Ukuba umthombo wakho wokufumana umhlalaphantsi nguKhuseleko loLuntu , ngoko mhlawumbi awuyi kuhlawula nayiphi irhafu emhlala phantsi. Ukuba uneminye imithombo yengeniso, ngoko ke inxalenye yengeniso yakho yeNhlalakahle yeNtlalo ingahlawuliswa. I-formula ibonisa inani loKhuseleko loLuntu oluhlawulwayo. Isiphumo kukuba kufuneka udibanise ukuya kwi-85% yeenzuzo zeNtlalo-ntle njengeniso engenayo engenayo kwimbuyekezo yakho yentela.
Imali ehlawulwa irhafu (kuyo yonke indawo ukusuka kwizinga ukuya kuma-asibhozo anesithandathu kwipesenti) kuxhomekeke kwimivuzo eninzi enayo ngaphezu koKhuseleko loLuntu. I-IRS ibiza enye enye ingeniso "inzuzo engenayo," kunye nakwiphepha lokusebenzela kwerhafu, uxoxe ngeniso yakho ehlangeneyo ibe kwifom yokumisela ukuba zininzi zezibonelelo zakho ziya kuhlawuliswa ngonyaka.
Abathathe umhlala-phantsi abanomvuzo ophezulu wempesheni nganye yempesheni baya kubakhokhela irhafu kwi-85% yeeNtlawulo zeNtlalo, kwaye ireyiti yabo yerhafu iyonke iyakwazi ukuqhuba apho ivela kwi-15% ukuya kwi-45%. Abahlala kwiRhafu nabangenayo ingeniso ngaphandle koKhuseleko loLuntu baya kufumana inzuzo yabo yerhafu kwaye bahlawule irhafu yokufumana umhlalaphantsi.
2. IRA kunye no-401 (k) Ukurhoxiswa
Uninzi lwahoxiswa kwii-akhawunti zomhlala-phantsi luhlawuliswa ngomhlalaphantsi. Oku kuthetha ukurhoxiswa kwe-IRA kunye nokurhoxiswa kwi-401 (k) izicwangciso, 403 (b) izicwangciso, izicwangciso ezingama-457, njl. Uninzi lwabantu luya kuhlawula irhafu xa bekhipha imali kwi-IRA okanye kwezinye izicwangciso zomhlalaphantsi.
Imali yerhafu oyihlawulayo incike kwixabiso lemali engenayo kunye nokuncitshiswa okhoyo kunye neyiphi ibhakhi yerhafu oyiloo nyaka. Umzekelo, ukuba unonyaka onokuncitshiswa ngaphezulu kuneniso (njengonyaka uninzi lweendleko zonyango), ngoko ungeke uhlawule irhafu malunga nokuhoxiswa kwaloo nyaka.
Kukho uhlobo olulodwa lweakhawunti yomhlala-phantsi apho ukuhoxiswa ngokuqhelekileyo kungabikho yerhafu. Ukuba kwenziwe ngokuchanekileyo, awuyi kuhlawula irhafu yomhlala-phantsi kwiRoth IRA .
3. Izimpesheni
Ininzi yemali yomhlalaphantsi iya kuhlawulwa. Indlela elula yokufumana ubungakanani bokuba imali yakho yempesheni iya kuhlawuliswa kukuba isebenzise isikhokelo esilula: ukuba singene phambi kwentela emva kokuba uyayikhupha, iya kuhlawulwa. Iingxelo ezininzi zeepensheni zaxhaswa ngemali engenayo yentlawulo engaphambili, oku kuthetha ukuba yonke imali yempesheni yakho yempesheni yaminyaka yonke iya kufakwa kwi-tax return yakho njengengeniso ehlawulwayo yonyaka.
Kule meko, unokucela ukuba irhafu ifakwe ngqo kwi-check your pen.
Ukuba isahlulo se-akhawunti yakho yepenshoni ixhaswa ngemali yerhafu emva kwonyaka ngamnye inxalenye yengeniso yakho yempesheni iya kuhlawulwa kwaye inxalenye ayiyi kuhlawulwa .
4. Izabelo zoNyaka
Ukuba i-annuity yakho inomnini we-IRA okanye enye i-akhawunti yomhlala phantsi, ngoko imigaqo yerhafu kwi-IRA yokurhoxiswa iya kusebenza nakweyiphi iirhafu okanye iintlawulo zemali ozifumanayo kuloo mali.
Ukuba i-annuity yakho yathengwa ngeedola zerhafu emva kwentlawulo (inentsingiselo engathengi kwi-IRA okanye enye i-akhawunti yomhlalaphantsi) ngoko imithetho yerhafu esebenzayo incike kuloluhlobo luni lokuthenga.
- Ingeniso evela kwi-annuity ngokukhawuleza -Isabelo sentlawulo nganye oyifumanayo kwi-annuity esicatshulwayo iqwalaselwe ukubuyiswa kwenqununu kwaye inxalenye ithathwa njengomdla. Inxalenye yenzalo kuphela iya kufakwa kwingeniso yakho engenayo. Unyaka ngamnye inkampani yenkampani inokuthi ikuxelele ukuba "inqanaba lakho lokukhutshwa" liphi, elikuxelela ukuba uninzi lwemali engenayo engayifumanayo ingafakwa ngaphandle kwerhafu yakho engenayo.
- Ukubuyiselwa kwi-annuity echaziweyo okanye echaseneyo- Imithetho yerhafu kulezi zintlu zonyaka-mali ithi i-earnings kufuneka ihoxiswe kuqala, oko kuthetha ukuba i-akhawunti yakho ibaluleke ngaphezu kwezinto owafakelwe kuyo, xa uthabatha imali, ekuqaleni uya kuhoxisa umvuzo okanye inzuzo yotyalo-mali, kwaye iya kuba yinzuzo engenayo irhafu kuwe. Xa usuhoxisile yonke imali yakho, uza kuhoxisa umnikelo wakho wokuqala (obizwa ngokuba yindleko zakho), kwaye ezo zifakiwe kwiholo lakho lentlawulo.
5. Ingeniso yotyalo-mali
Uya kuhlawula irhafu kunoma yimaphi amaxabiso, inzala yengeniso, okanye inzuzo enkulu, njengokuba wenza ngaphambi kokuba uthathe umhlalaphantsi. Ezi ntlobo zengeniso-mali zichazwe kwifomu yerhafu ye-1099 ngamnye kunyaka othunyelwa kuwe ngqo kwiziko lemali eligcina i-akhawunti yakho.
Ukuba uthengisa ngokusesikweni imali-mali ukuvelisa ngeniso yomhlala-phantsi, intengiso nganye iya kuvelisa inzuzo enkulu (okanye ilahleko) okanye ukuba ukufumana okanye ukulahleka kuya kubikwa kwirejista yakho yerhafu. Ukuba ezinye iimithombo zengeniso aphezulu kakhulu unako ukufumana ipesenti zerhafu inzuzo yentlawulo yexabiso lentlawulo- oko kuthetha ukuba awuyi kuhlawula irhafu kuyo yonke okanye inxalenye yemali eyinzuzo yakho yonyaka.
Ukuba unotyalo-mali olungekho ngaphakathi kwe-akhawunti yomhlala phantsi unokufunda indlela yokulawula i-capital income kunye nelahleko zokunciphisa irhafu oyihlawulayo ngomhlalaphantsi.
Akusiyo yonke imvelaphi yokuhamba kwemali evela kutyalomali ibalwa njengeniso engenayo. Ngokomzekelo, cinga ukuba unayo i-CD yasebhanki. I-CD ikhula ngesixa se $ 10,000. Le mali ayi-10 000 ayikho imali eyongezelelweyo ehlawulwa irhafu echazwe kwirejista yakho yerhafu-kuphela yenzalo efunyenweyo. Kodwa yonke i-$ 10,000 iyatholakala njengemali yokungena kwemali ongayisebenzisa ukuhlawula iindleko.
6. Uzuza ngokuthengiswa kwekhaya lakho
Ukuba uhlala ekhaya lakho ubuncinane ubuncinane kwiminyaka emibini, ngokuqinisekileyo awuyi kuhlawula irhafu malunga nokuthengiswa kwekhaya lakho ngaphandle kokuba uzuze ngaphezu kwama-250,000 amawaka angamaqabane, okanye i-$ 500,000 xa utshatile. Ukuba uqeshe ikhaya lakho kwithuba elithile, imigaqo iya kuba yinkimbinkimbi kwaye kuya kufuneka ukuba usebenze kunye neengcali zerhafu ukuze ubone ukuba nayiphi na inzuzo kufuneka ibhengezwe.
Ukubeka konke oku kunye, unokwenza "ukuhleka" kwerhafu yokubuyisela ukuqikelela iirhafu zakho kumhlalaphantsi. Umzekelo ulandela.
Ukubala Ireyithi Yakho yentela kwiRhafu
Izinga lakho lokurhaxisa umhlalaphantsi liya kuxhomekeka kwisixa sakho semali engenayo kunye nokuncitshiswa. Uqikelele uluhlu lwentlawulo yerhafu nganye uluhlu lwemali engenayo, kwaye ingaba iya kuhlawulwa kangakanani. Yongeza loo nto. Emva koko unciphise loo nombolo ngokutsalwa okulindelekileyo kunye nokuxolelwa.
Ngokomzekelo, cinga ukuba utshatile kwaye uza kuba ne-$ 20,000 yoLuntu loKhuseleko loLuntu, u-25,000 wamawaka ngonyaka kwingeniso yempesheni, ulindele ukurhoxisa i-$ 15,000 kwi-IRA yakho, kwaye uqikelela ukuba uya kuba ne-$ 5,000 ngonyaka wenkxaso-mali yenkcitho ende kwixesha elide. ukunikezelwa kweengxowa-mali. Ukongeza imali yakho engenayo (ingabandakanyi i-capital gain) usebenzisa i-85% yeenzuzo zakho zeNtlalo , kwaye ufumane i-$ 57,000.
Ukuchithwa kwakho okuqhelekileyo kunye nokuxolelwa komntu siqu kufaka kwi $ 20,800. Oko kubeka ingeniso yakho ehlawulweyo kwi-36,200. Ukhangela ireyithi yentlawulo ye-2017 kwaye ubone ukuba ikubeka kwibakethi yerhafu ye-15%. Njengoko iirhafu zerhafu zixhaswe, uza kuhlawula i-10% kwi-$ 9,325 yokuqala yerhafu engenayo kunye ne-15% kwingeniso ewela phakathi kwe-$ 9,326 kunye ne-37,950. Oku kwenza uhlawulelo lwakho rhafu oluqikelelwa ngu-4,963. Njengoko uneminyaka engama-15% okanye i-bracket yerhafu ephantsi, i-capital income yakho iya kufumana i-zero yepesenti yenzuzo yexabiso kwaye ayiyi kuhlawulwa irhafu. Ukuhlawula irhafu ngexesha elifanelekileyo unako ukuseta iintlawulo zeerhafu zerhafu ze-1,240 ngekota nganye, okanye unokucela umhlala-phantsi wakho ukuba ugweme irhafu malunga ne-20%.
Ngokuqinisekileyo kukho iindlela zokwenza umvuzo wakho wokuhlala umhlala-phantsi ukwenzela ukuba uhlawule irhafu encinci kumhlalaphantsi-kuya kuthatha uphando kwicandelo lakho okanye uncedo lomcebisi womhlalaphantsi okanye umcebisi weerhafu.