Ukunciphisa iRhafu yeRhafu yakho ngoKwabiwa koBulumko
Indlela yokubeka i-asethi isebenza ngayo
Yintoni ebalulekileyo ekutyaleni imali yinkomfa yonyaka emva kwerhafu, ukunyuka kwamaxabiso- ukulungiswa kubuyisele umtyalo-mali athola inkunzi yakhe. Funda esi sigwebo kwakhona: emva kwentela . Funda indlela yokubala intlawulo yokukhula yonyaka ngonyaka (CAGR) . Abo baqhelana nexabiso lexesha leemali ezilinganayo bayazi ukuba izinto ezincinci-ezinokubakho zingongeza kwiipilisi ezinkulu zemali xa zishiywe yodwa. Ukuba unayo imali encinane nje nge-$ 100 okanye ngaphantsi kwenyanga ukutyalomali, kukho iindlela ongaqala ngazo ukwakha iphothifoliyo yotyalo-mali . Njalo ixesha inxalenye yakho yokubuyiselwa kwakho ifakwe kwi-Uncle Sam, ixabiso elizayo le-asethi liyancipha kakhulu ngenxa yokuba kungekhona nje ukuba ulahlekelwe yimali ngokwalo, ulahlekelwe yinto yonke eyayizuzwa ngokutshala imali.
Ukubekwa kwe-asethi isebenza ngenxa yokuba iintlobo ezahlukeneyo zotyalo-mali zifumana unyango lweentlawulo ezahlukeneyo. Ngokuxhomekeke kubude bexesha i-asethi ibanjwe, umzekelo, inzuzo evela kwiintengo ezinkulu ihlawulwa kwiirhafu ezingaphantsi kunezihlawulelo kunye nomdla.
Kwimeko yamakhaya aphezulu afumana imali, irhafu yoluhlobo olulandelayo lokufumana ingeniso ngamanye amaxesha lufikelela kuma-35%. Ngaloo ndlela, ngokubeka nje zonke iimpahla zakhe eziphakamileyo kunye nezibophelelo zentsebenziswano kwi-akhawunti yakhe, i-akhawunti inokuthi ikwazi ukugcina imali enokubakho i-tax savings ingamaxesha angamawaka amawaka eedola ngonyaka kwaye ekugqibeleni, izigidi ezininzi kwiimpahla ngaphezu kwexesha lokuphila kotyalo-mali oluphumeleleyo.
Umzekelo olula wendlela ukubeka i-asethi kungakugcina ngayo imali
Khawucinge ukuba unayo iphothifoliyo exabisekileyo kwi $ 100,000. Ingxenye yeempahla zakho, okanye i-$ 50,000, iqukethe iibhondi zebakala lokutshala imali efumana u-8% ovelisa i-$ 4,000 ngonyaka ngenzuzo yengeniso. Ipesenti ezingamashumi amabini anesihlanu zepottoliyo, okanye i-$ 25,000, iqulethe isamba esifanayo kunye neendleko eziphezulu ezivelisa i-$ 1,000 ngonyaka. Ipesenti ezingamashumi amabini anesihlanu, okanye i-25,000 zamawaka, ziqulethe iifowuni eziqhelekileyo ezingabhataleli izabelo.
Kule meko, umtyalomali kwi-bracket yentela ye-35% uza kusindisa ngokukhawuleza i-$ 1,750 ngemali ngokubeka izitokisi eziphakamileyo eziphezulu kunye neebhondi ezinxulumene neentlawulo zakhe. (Ukubala oko, yongeza imali engeniso ye-bond engama-4,000 kunye nentlawulo ye-dividend yemali eyi-1 000 kunye kunye ne-$ 5,000. Irhafu ye-35% kwi-$ 5,000 i-$ 1,750.) Akunakuqonda ukuba abeke isihlomelo sakhe sokuhlawula isitokhwe esifanayo kwi-akhawunti ngenxa yokuba akayi kuhlawula irhafu kwi-profit until ikhetha ukuthengisa utyalo-mali; Ngaloo ndlela, uya kuhlawuliswa kwizinga elipheleleyo lezinto awayeza kuhlawula ngenye indlela! Kubaninzi abatyalo-mali, i-capital gain iserhafu kwi-15%.
Isikhokelo sokubekwa kweeMpahla
Xa ugqiba uhlobo luni lwee-akhawunti ukubeka iifayili zakho njengezibhonkco zenkampani kunye neendawo eziqhelekileyo, ngokuqhelekileyo uthetha le miyalelo embalwa elula kukuncedise ngesigqibo sakho:
Iimpahla ezifanele zifakwe kwii-akhawunti ezixhamliweyo zerhafu ( 401k , iRA , njl njl.):
- Izitokisi eziqhelekileyo eziphakamileyo eziphezulu ezineembali ezide zokuhlawula imali
- Iibhondi zorhwebo
- Umngcipheko wokubambisana
- Ulwabiwo lwezithengiso zentengiso ye- real estate (REITs)
Iimpahla ezifanele zifakwe kwii-akhawunti eziqhelekileyo, ezingenanto zerhafu ( uburejistri , ubunikazi bentengiso ngqo, njl njl.):
- Iimpahla eziqhelekileyo ezinokuhlawula okuncinci okanye okungekho nzuzo ekulindelekileyo ukuba ulondoloze ngaphezu konyaka
- Izibophelelo zikamasipala ezingenasiphosi-ntlawulo (ekubeni sele sele zikhokhwa irhafu, akukho mfuneko yokuzibeka kwi-akhawunti eneentlawulo).