Ama-Akhawunti Ahlala Ngama-Independent Direct Self-Direct Provide Investors With Alternatives
Ezi zi -IRAs ezizimeleyo zivumela ukuba utyalole kwi-real estate, izitye ezixabisekileyo, amanqaku, izatifikethi ze-tax box, ukufakwa kwamashishini kunye neendlela ezininzi zokutshala imali.
IRA yokuzimelela i-RRA i-Roth IRA apho umgcini- mvume avumela utyalo-mali oluninzi oluvumelekileyo kwi-akhawunti yomhlalaphantsi. Enye yale ndlela yokukhetha, utyalo-mali, ukhangele abantu abaninzi abacinga ukuba basebenzisa i-IRA yokuziThengisa ukuthenga izakhiwo zokuqashisa.
Nangona kunjalo, ngenxa yokuba into evunyelwe yi-IRS ayisoloko ithetha ukuba yinto ekhethekileyo yokukhetha isabelo sakho somhlala-phantsi. Nazi ezinye izinto ezibalulekileyo ekufuneka ziqaphele xa kuziwa ekusebenziseni i-IRA ukuthenga i-real estate.
Yiyiphi i-IRA eZizimeleyo?
Igama elithi "ukuzimela" lithetha ukuba utyalo-mali oluthile olwamkelweyo okanye olunikezwa ngumgcini we-IRA. Umphathi we-IRA yiziko lemali elijongene nokugcinwa kwerekhodi kunye neemfuno zokubika ze-IRS.
I-"self" inqaku elibhekiselelwe kulo kunyaka ngamnye kuba kufuneka uxabise ngokuchanekileyo lwakho utyalo-mali rhoqo ngonyaka kwaye uxele ixabiso kwi-IRA yakho yomgcini.
Indlela IRA I-Self-Directing Inokuthi Isetyenziswe Ukuthenga Iimpahla Zona
Amanyathelo okuqala xa usebenzisa i-IRA kukuba kusekwe i-IRA eZizimeleyo. Iinkampani ezininzi eziziwayo zibonelela ngabanye abatyale-mali ukuba bakwazi ukuseka i-akhawunti yomhlalaphantsi.
Ngenxa yobunzima be -IRAs ezizimeleyo , kunceda ukuba ube nomgcini-mgcini oza kunceda ukubonelela ngesikhokelo esithile efunekayo njengoko uhamba ngamanzi adibanayo kunye nedidekileyo yekhowudi yentlawulo ye-IRS.
Abanye abaxhasi be-IRA banesakhiwo esincinci ngakumbi kunezinye. Ngoko ke, kubalulekile ukwenza umsebenzi wesikolo kwaye uhlolisise zonke iimali ezikhoyo kunye neendleko eziya kuba nefuthe ekubuyiseleni imali ngokutsha lwakho mali. Kwiimeko ezininzi, kucetyiswa ukuba kwakhona kusekwe inkampani ejongene nokunyanzela (LLC) okanye enye into ebambe i-asethi yokutshala.
Nge -IRA ezizizimeleyo , kufuneka uvelise ukuhamba kwemali eyaneleyo okuza kugubungela zonke izindleko zokulungisa nokulungisa ngaphandle kokufuna ukuba ungeze imali ngeminyaka.
IiNzuzo eziPrayimari zokuNikwa kweMali-mali kwi-IRA
Mhlawumbi inzuzo enkulu kakhulu yokusebenzisa i-IRA yokuziThengisa ukuZithenga ukuthenga i-real estate ifumaneka kwiingeniso zerhafu. Njengoko kunjalo nawuphi na utyalo-mali kwi-IRA yakho, uyazuza kwingeniso efunyenwe yerhafu kude kube umhla othabathayo, okanye ukuba i-Roth IRA yakho ibambelelo, uzuzo lwakho lotyalo-mali lufumana ukuqokelela irhafu kwaye uyakwazi rhoxisa irhafu. Umele ulinde uze ufikelele kwiminyaka engama-59 ½ ukurhoxisa imali yakho ngaphandle kokuxhomekeka kwesohlwayo kwaye uqulethe njengenzuzo eqhelekileyo kwimbuyekezo yakho yentlawulo.
Kodwa abatyalo-mali abasebenzayo bangathenga, bathengise, okanye bafake impahla kunye nokuhambisa imali kwiprojekti enye baye kwelinye kwaye baqhubeke begcina isimo sokurhoxisa irhafu ye-IRA.
Enye inzuzo yokuba ne-ownership ye-IRA yinto eyaziwayo. Umdla-zimali udlalwa ngokungaqiniseki kwemarike yehlabathi kwaye oku kungakhokelela abatyala-mali ukuba banamathele ngotyalo-mali. Ii-IRAs ezizizimeleyo zikunika ithuba lokutshala imali ekutshaleni oyaziyo nokuyiqonda.
Ziziphi iingozi eziphambili kakhulu?
Njengoko umnini we-akhawunti kwi-IRA eZizimeleyo ujongene nokwenza ukunyanzela okufunekayo kwipropati ngokwayo. Le nto inokuba yinto ebhenkisayo yokutyalo-mali lwe-real estate kwi-IRAs ukuba ungumnini wezakhiwo okanye umnini-mali onolwazi. Nangona kunjalo, kunokukhokelela kwisigqibo sotyalo-mali esibi okanye amandla okuba uxhoba lobuqhetseba ukuba awuyiyo umtyalo-mali we-savvy.
IKhomishoni ye- Securities and Exchange (i-SEC) ikhuphele isilumkiso isalathisi ejongene ne-Self-Directed IRAs kunye nomngcipheko wokukhwabanisa.
Enye yeyona mngcipheko omkhulu wokuba ne-real estate kwi-IRA eZizimeleyo kukungabikho kokuhluka kwezinto. Nangona kungenakwenzeka kubasindisi abakhulu abaqokelele ubuninzi beengcambu kwi-IRA, abatyali-mali abaninzi abanako ukudala i-potifoliyo yokutsalwa kwezindlu zangaphandle. Ukugxininisa kuphela kwi-potential potential is ingozi enkulu yokuqwalasela phambi kokuthengwa kwepropati. Ubungqina obuninzi ngxalaba xa utyalomali kwi-real estate ngaphakathi kwe-IRA. Kukho njalo unokwenzeka ukuba awukwazi ukufikelela kwixabiso lentyalo-mali yakho ukuze wenze ukusasazwa xa unokufuna imali eninzi ngexesha lokuhlala umhlalaphantsi.
Ngaba zikho naziphi na iintlekele zokuRhafu?
Ukufumana i-real estate kwi-IRA ivumela utyalo-mali lwakho ukuba lukhule kwi-tax-backerred basis (iRoth IRAs inikezela ukukhula okungahlawulwa kwentela). Nangona kunjalo, ukuba awuhambisani nemithetho kwaye uthenge ipropati indlela engafanelekanga kwi-IRA ungayifanelekanga i-IRA kwaye udale umcimbi ohlawulwayo. IRA ubunini bepropati yotyalo-mali ilahlekelwa ezinye zekhefu zentlawulo ezifumanekayo kubarhwebi bezindlu zangaphandle ukuba ipropati isebenza ngokulahlekelwa. Kananjalo awukwazi ukubiza ukuhla kwexabiso kwi-real estate ye-IRA.
Ukuba ucinga ukuba i-IRA ingasetyenziselwa ukuthenga ikhaya leeholide okanye indawo yokuhlala eyona ndawo okanye eyesibili ... cinga kwakhona! Ukuthengiswa kwe-IRA ngokuzimeleyo okubandakanya i-propati kufuneka ibe yintsebenziswano yobude beengalo. Oku kuthetha ukuba akukho ukuzithengisa okanye ukuthengiswa komntu ngokwasemthethweni kuvumelekile kwiIRAs ezizimeleyo. Lo mgaqo usebenza nakwamalungu osapho osondeleyo. Ngoko, ungacingi ukuba ungathenga okanye uthengise impahla okanye kwilungu lentsapho okanye wena ngaphandle kokuba ufuna ukudala umcimbi ohlawulwayo.
Intlawulo yengeniso engabandakanyiyo yoshishino (UBIT) yenye ingxaki yerhafu. Oku kuya kubakho ukuthobela ingqalelo ukuba ucinga malunga nokusetyenziswa kwempahla yokuthenga imali ukuze uthenge ipropati yotyalo-mali.
Nge-IRA yendabuko kufuneka uthathe umrhumo omncinci ofunekayo xa ufikelela kwiminyaka engama-70 / 1/2. Ukuba unempahla ye-IRA, kunzima kakhulu ukuthengisa impahla yakho ye-real estate kwiincinci ezincinci ngonyaka. Yingakho kufuneka ube nemali eyaneleyo kwi-akhawunti yakho ye-IRA ukukhupha iimfuno zakho ezifunekayo ukuphepha iingxaki zerhafu.
Ukutshala imali kwi-real estate kunye ne-IRA eyayizimeleyo ayikho bonke abantu. Ukuba unquma ukuhamba kule ndlela, qiniseka ukuba ufunda imigaqo yokuthenga i-real estate ngemali ye-IRA .