Ukwakhiwa kweefayili zakho ngeendlela ezahlukeneyo kunokugqitywa kukuhlawula imali encinci
Ukuthatha ukuThuthwa kweRhafu kwiMali yoCwangciso lweMali
Njengemali yokulungiswa kweerhafu, iintlawulo zokulawula utyalo-mali kunye nemali yokucwangcisa imali ingathatyathwa njengemali echanekileyo ehluthwayo kwirejista yakho yerhafu , kodwa kuphela kwinqanaba elithe gqithisa i-2% yengeniso yakho epheleleyo ehleliweyo (AGI).
Umzekelo: Ukuba i-AGI yakho i-$ 100,000, kwaye unayo i-$ 3,000 yezicwangciso zezemali, i-accounting kunye / okanye imali yokulawula utyalo-mali, awuyi kufumana inkokhelo ye-$ 2,000 yokuqala yemirhumo, kodwa uya kukwazi ukutsala i-$ 1,000 yokugqibela njengoko isixa esiphezulu kwe-2% ye-AGI yakho.
Abantu abaninzi banokuhlawula imali enjalo ngetshekhi, besebenzisa iirhafu zerhafu, njengoko bacinga ukuba yindlela efanelekileyo yokuyenza. Kodwa ukuba unayo imali kwi-IRA kunokubakho indlela engcono yokuhlawula imali enjalo ukuze ihlawule imali encinci kwi-tax after tax basis.
Ukuhlawula Imali ngaphandle kwe-IRA
Iimali zokulawula utyalo-mali okanye iimali zokucwangcisa imali ezihlelwe njengepesenti yeefa, unakho ukuhlawula iifizi ngqo kwi-akhawunti ephethwe. Ukuba ngaba i-akhawunti ye-IRA xa uhlawula iimali ngale ndlela ayiqwalaselwe ukuhoxiswa. Kunoko, kuthathwa njengendleko yotyalo-mali kwaye ngoko uhlawula iirhafu kunye neerhafu zangaphambili. Kuyo yonke i-$ 1,000 yemirhumo ehlawulwe ngolu hlobo, ukuba ungowama-25% wezinga lokuhlawula irhafu, ngoko emva kokuhlawula irhafu kuhlawulwa i-$ 750.
Kunengqiqo ukuhlawula imali ngokuthe ngqo kwi-IRAs yendabuko xa kunokwenzeka. Nangona kunjalo, akunangqiqo ukwenza oku ngeRoth IRAs. Ngoba? Imali ye-Roth IRA ayisoze yahlawuliswa ngoko ufuna ukuvumela imali ikhulise i-tax free-time inqobo nje. Imali ye-IRA yendabuko izakuhlawuliswa ngelinye ilanga kwaye ngokuhlawula iirhafu kule hlobo le-akhawunti oyiphephayo yentlawulo yengeniso kweso sabelo.
Ngelishwa, unakho ukuhlawula kuphela inxalenye yemali echaphazelekayo kwi-IRA ngaphandle kwe-IRA. Umzekelo, ukuba unayo i-$ 500,000 kwi-IRA kunye ne-100 000 ye-akhawunti kwi-akhawunti engekho yomhlala phantsi, kwaye uhlawula i-1% ngonyaka kwiimirhumo, i-$ 5,000 eyabelwe i-IRA inokutsalwa kwi-IRA, kodwa i-$ 1,000 eyabelwe I-akhawunti yeAIRA ayikwazi ukuhlawuliswa kwi-IRA.
Imirhumo ye-Mutual Fund yangaphakathi kunye neendleko zoRhwebo
Xa unayo imali yesikhwama sokuhlawula imali ihlawuliswa ngendlela yexabiso lentlawulo . Le ndleko iyanqunyulwa ngaphandle kokubuyiswa kwengxowa ngaphambi kokuba isabelo sakho sabiwe. Ngokwenene, kukubuyisela (okanye ukufumana) engazange ixelelwe kuwe njengoko eso sabelo sisetyenziselwe ukuhlawula ngokuthe ngqo iindleko. Ngenxa yeso sizathu, akudingeki ukuba uzalise iifizi zentlawulo yakho kunye kunye nokubhenela njengokuncitshiswa.
Oku kusebenza ngendlela efanayo kunye neendleko zorhwebo. Ukuba uthengela isitoreji kwaye uhlawule i-9.95 ye-trade, loo $ 9,95 yongezwa kwisiseko seendleko-ngoko xa uthengisa isitokethi inzuzo eyinkunzi ebikiwe iyancishiswa ngemali yeendleko zokurhweba.
Ukuhlawula isiluleko
Abanye abacebisi ngezocalo-mali bathumela iinkonzo zezocwangciso kunye neenkonzo zokulungiselela iintlawulo. Oku kudla ngokubonelelwa njengenxalenye yomrhumo wenkonzo omnye, kwaye bahlawula ngokusekelwe kwipesenti yeefa ezilawulwayo .
Unokufumanisa ukuba xa ubona iindleko emva kokuhlawula irhafu ezi nkonzo ziyamangalisa.
Enye into ekufuneka uyiqwalasele yindleko yeemali eziphathekayo eziphathekayo , ezineqela lolawulo lwabahlalutyi bezophando ekufundeni idatha yemarike yemasheya ngenzame yokufumana imbuyekezo ephezulu. Kubiza okungakumbi ukuhlawulela eli qela labahlalutyi bezophando, ngoko ke imali elawulwa ngokusebenzayo ihlawulwe imali ephezulu, ngokuqhelekileyo ibe ngaphezu kwe-1% ngonyaka.
Esikhundleni sokusebenzisa imali elawulwa ngokunyanisekileyo unokuqesha umcebisi-mali kuphela ocebisa imali-mali osebenzisa imali yeendleko zexabiso eliphantsi ukwakha iphothifoliyo. Ezi zixa-mali ziba neendleko eziphantsi kwee-30%. Ngokuqulunqa iinkonzo ngale ndlela emva kokuhlawula irhafu emva kokuba usenokukwazi ukufumana iingcebiso ezongezelelekileyo malunga neendleko ezifanayo.
Ukulawulwa ngokwahlukileyo kwiAkhawunti
Kwiimveliso eziphezulu ezinomthamo onemali eninzi kunye neenqwelo ezibutyebiweyo, abacebisi abaninzi bezezimali baya kuncomela iikhompyutheni ezilawulwa ngokwahlukileyo kunokuba zixhaswe ngemali .
Ngoku unayo izitokethi ngokuthe ngqo ukuze kungabi nantoni yeendleko. Kunoko, zonke iifizi zihlawulelwa kwifom yolawulo lokulawula utyalo-mali oluhlawulwe kwi-akhawunti. Ukuba ngaba i-IRA imirhumo ehlawulwayo kwi-IRA ihlawulwa ngeedola ze-pretax. Ukuba i-akhawunti yimivuzo ye-akhawunti engekho phantsi yomhlalaphantsi ixhomekeke kwi-2% imida echanekileyo yokuncitshiswa.