Indlela yokusebenzisa i-Zero Percent Tax Rate kwi-Capital Beneins

Abaninzi banokuzuza xa bebona ukuzuza kwiminyaka efanelekileyo.

Njalo ndibhalela malunga nepesenti zerhafu inzuzo yentlawulo yerhafu, umntu uthi "andingazi ukuba kukho inqanaba lentlawulo yexabiso lentengo kwixesha elide." Ewe, kukho, ukususela ngo-2008. Ingxaki kukuba, abaninzi abantu ekupheliseni kube neenzuzo ezinkulu ezihlawuliswa kwipesenti zengozi ngengozi.

Ngokucwangcisa, kukho izinto ezimbalwa ongayenza ngenjongo yokufumana imali engenayo irhafu kwimali yakho. Ukufumana ixabiso lentengo yokuvuna yinkqubo yokuthengisa ngokuzenzekelayo utyalo-mali oya kuba ne-long-income gain in years apho loo ntlawulo ayiyi kuhlawulwa irhafu.

Inzuzo ayihlawulwanga xa ibonakala ngonyaka apho uhlala kwi-zero yepesenti yentlawulo ye-tax revenue.

Indlela i-Zero Percent Rate yokusebenza ngayo

Izinga lentlawulo ye-zero kwixabiso lentengo lisebenza kubantu abantu kwi-15% yentlawulo engezantsi okanye ngaphantsi. Ngomnyaka we-2018 , oko kusebenza kwiifayile zerhafu ezitshatileyo ezingenayo imali engama-77,400, kunye nabafakeli beerhafu abangabodwa abathabatha imali engenayo ukuya kwi-38,700.

Nangona iholo lakho elihlawulwa irhafu lihlala liphezulu kakhulu, kukho iminyaka emininzi apho i-tax income engaphantsi ivela, kwaye ngamanye amaxesha unokwenza unyaka ongezantsi werhafu uvele ngenjongo yokuthatha umhlalaphantsi ngokukhetha ukuba yiyiphi i-akhawunti ekuthathe ihoxiswa kulo nyaka.

Amathuba okuRhafu

Amathuba okucwangcisa irhafu aqhelekileyo xa kwenzeka:

• Asebenze okwethutyana.
• Umntu othengiswayo oyingeniso yakhe iyahluka konyaka.
• Ngaba phakathi kweminyaka yobudala engama-55 no-70 kwaye kungekudala kungekudala bangaguqukela kumhlalaphantsi okanye sele bekhulile umhlalaphantsi.

Masithi utshatile kwaye unyaka wakho umvuzo wakho ohlawulwa irhafu (obalwa emva kokukrazula i-deduction yakho okanye ukutsalwa okuqhelekileyo) kuya kuba malunga ne-60,000.

Ngoku unendawo yokufumana imali engaphezulu ngaphambi kokuba uhlasele phezulu kwi-bracket ye-15% yentela; I-17,400 yegumbi ukuba ibe yinto echanekileyo.

Ukuba unayo amasheya okanye iimali ezihlangeneyo kwi-akhawunti engekho yomhlala-phantsi kwaye ezinye zazo azizange zenze i-long-term gain, ufumana ithuba lokucwangcisa irhafu. Unokutshintshiselwa utshalomali lwakho into efanayo (ngoko ulwabiwo lwakho lwepotfoliyo kunye nokunyamezela ngengozi kuhlala ngokufanayo), kwaye inzuzo engafanelekanga ngoku iya kuba yinzuzo.

Kulo mzekelo unako ukufikelela kwi-$ 17,400 yeziphumo ezifumeneyo kwaye ungahlawuli irhafu yengeniso kubo.

Ukhuthazwe umsebenzi wasekhaya

Kukho izinto ezimbalwa ofuna ukuzithenga phambi kokuba uqale ukufumana ukuzuza.

1. Iimali zengxowa-mali zihambisa i-earnings capital in the fall of year. Ezinye iimali zihambisa i-gains yazo ekupheleni konyaka kaDisemba. Ukuba unemali elawulwa yerhafu okanye imali yenkcazo, inzuzo iya kuba yinto encinci, kodwa iimali ezingalawulwa ngerhafu engqondweni zingenza iimali ezinkulu. Kufuneka ukwazi ukuba le ntlawulo iya kuba yintoni ngaphambi kokuba uhambe ngokuzithandela ufumene iintlawulo ezongezelelweyo.
2. Hlola ukubuyela kweerhafu ukuze ubone ukuba unayo imali elahlekileyo eqhutshwa phambili kunyaka odlulileyo. Ukuba ubude ulahlekelwa yilahleko eziqhubela phambili ngonaphakade. Ukulahlekelwa kuqala kusetshenziselwa ukunciphisa iintlawulo. Ukuba awunayo i-earnings, i-$ 3,000 yelahleko enkulu ingasetyenziselwa ukuhlawula imali engenayo. Ukuba unayo ilahleko ezinkulu eziqhutyelwa phambili kwaye uqaphela izuzwana, ukuzuza kwakho kuya kuqala ukusebenzisa yonke ilahleko zakho zakudala. Oku kulungile, kodwa kusenokuba isicwangciso esilungileyo kuwe.
3. Qinisekisa ukuba unokuqikelelwa okuchanekileyo kokubuyela kwakho kwerhafu kuya kubonakala ngathi. Ngaphandle kokuba ungumntu onemali, kukulungele ukusebenza nomcebisi werhafu okanye umcebisi wezezimali kulezi zicwangciso, kodwa abanye bayakujabulela ukuqhuba iziganeko ezininzi ngokusebenzisa isofthiwe yokulungiselela iifayile kwi-intanethi ukwenza ukucwangcisa kwabo.

Iinzuzo zoThutho lokuThumela amaRhafu

Ukufumana ukuvuna kunokuba yindlela ephumelelayo yokufumana i-tax free-earnings, kodwa ukwenzela ukuba isebenze, kufuneka wakhe umkhwa wokuhlawula irhafu nokujonga amathuba okuhlawula irhafu ngalinye. Ngokwenza oku njalo, unokunciphisa umrhumo wakho werhafu ngexesha lokuhlala umhlalaphantsi, oko kuthetha ukuba imali engaphezulu yemali yakho yokuthatha umhlalaphantsi ihamba ephaketheni lakho.

Kodwa qaphela. Iphutha elibi lingenza iphutha elibi. Fumana uncedo kwizakhono xa ungaqinisekanga ngeniso yakho engenayo.