IziCwangciso zokuThengwa kweMali ziNqununu eziPhakamileyo eziPhakamileyo ezifunekayo
Izicwangciso zokuthengwa kwemali zifana nezicwangciso zokwabelana ngenzuzo , kodwa ngesicwangciso-sabelo-mali, umqeshi unokumisela unyaka ngamnye ukuba luza kubelwa kangakanani abasebenzi. Esikhundleni sepesenti ehleliweyo yomvuzo, umqeshi-ukwabelana ngenzuzo unokugqiba isigqibo sokuba nesabelo esicacileyo somvuzo, kwaye usasaze kubasebenzi ngamnye ngonyaka njengepesenti yomvuzo. Kubaqeshi, izicwangciso zokuthengwa kwemali zenza uhlahlo lwabiwo-mali kunye nokucwangciswa kweminikelo elula, ngelixa iiplani zokwabelana ngenzuzo zinikezela ngakumbi ukuguquguquka kwiminyaka engaphantsi.
Imali Yokuthenga Imali Iminikelo Yonyaka 2015
Iintlawulo ezenziwe kwizicwangciso zokuthenga ngemali zichithwa irhafu kumqeshi kunye nokuhlawulwa kwentela kubasebenzi. Utyalo-mali lukhula ngaphandle kweerhafu ngaphandle kokuba imali ihoxiswe ngomhlalaphantsi.
Kukho umda wokuba bangakanani abasebenzi abanokufaka isandla kwicebo lokuthenga imali. Umda ulungelelanise ixesha kunye neendleko zokuphila. Ngo-2015, iminikelo yezicwangciso zemali yokuthenga ifakwe kwipesenti ezingama-25 zomvuzo womqeshwa okanye i-53,000 zamawaka, nantoni na ngaphantsi.
Iminikelo yabasebenzi abahlawuliweyo kakhulu abakwazi ukunyusa imali yabasebenzi abahlawuliweyo abancinci kakhulu kwisicwangciso sokuthenga imali okanye olunye uhlobo lwesicwangciso somhlala-phantsi esifanelekileyo . INkonzo yeNgeniso yangaphakathi iqhuba " uphando olunzulu" okanye iimvavanyo zokungaxeli ukukhetha ukuba ngaba izicwangciso zithatha abasebenzi abathile kwabanye.
Ukuba isicwangciso sibonisa ubulungisa, imida yokunciphisa ingenakunciphisa abo bahlawulwa kakhulu. Abanye banokuhlawula isigwebo salokhu. I-IRS inokuthi ijezise inkampani ngeentlawulo zentengiso xa ihluleka ukuxhasa ngokugcwele imali yesicwangciso sayo sokuthenga imali.
Ngubani Unokufumana Iimali Zokuthenga Imali?
Amashishini nawaphi na ubukhulu anganika izicwangciso zokuthengwa kwemali kubasebenzi, kwaye zinokuklanywa ngokucokisekileyo okanye zenziwe nzima kakhulu kuxhomekeke kwiimfuno zenkampani. Konke okufunwayo ngumfaki fayile ifom ye-IRS 5500 ngonyaka. Iinkampani ezincinci zinokuqwalasela isicwangciso sokuthengwa kwemali esandulela ngaphambili esivela kumboneleli oqeshwe ngumhlala phantsi olawula isicwangciso kwiqela lenkampani.
Izicwangciso zokuthenga imali zinganikezelwa kunye nezinye iintlobo zezicwangciso zomhlalaphantsi. Enyanisweni, ezi zicwangciso zazihlala zidibene kunye nezicwangciso zokwabelana ngenzuzo, ezinike iinkampani ithuba lokufumana imilinganiselo ephakamileyo kunye neqondo lokuguquguquka kwemilinganiselo ekuqaliseni inani leminikelo yonyaka. Kwakuyixesha apho izicwangciso zokuthengwa kwemali zinezinye zeemilinganiselo eziphezulu ezifumanekayo kubasebenzi. Kwiminyaka yakutshanje, nangona kunjalo, imingcele yenkxaso iye yaphakama kakhulu kwiintlobo ezilula kakhulu zezicwangciso zegalelo ezichaziweyo, ukususa ininzi inzuzo kwisicwangciso semali / inxaxheba yokwabelana ngenzuzo kunye nokunciphisa isibheno esiphezulu semali yokuthenga yabaqeshi.
Sekunjalo, izicwangciso zokuthengwa kwemali zihlala zikhangeleka kubasebenzi, kwaye ingaba yindawo yokuthengisa kwimarike yokuqeshisa. Iinkampani ezinamacebo okuthenga imali zingaqwalasela ukuzigcina ngenxa yesi sizathu. Abaqeshi abafuna ukuguqula isicwangciso sokuthengwa kwemali kolunye uhlobo lwesicwangciso kufuneka baqwalasele izikhokelo ze-IRS eziqinileyo ukwenjenjalo, okanye bagcine uncedo lomcebisi wecebo lomsebenzi.
Umxholo kule ndawo unikezelwa ngolwazi kunye neenjongo zokuxoxa kuphela. Akuhloswe ukuba yingcebiso ngezezimali kwaye akufanele kube yedwa isiseko sotyalo-mali lwakho okanye izigqibo zokucwangcisa irhafu. Ngaphandle kweemeko ngaba le nkcazelo ibonisa isincomo sokuthenga okanye ukuthengisa iziqinisekiso.