Isikhokelo soTyalo-mali kuTyala lokuHlawula

Indlela yokuHlalwa kweRhafu yeMali kunye neRhafu yokuHlalwa kweRhafu

Enye yezinto ezinzulu malunga nokutshala imali kwiisitokthi kukuba bahlala behlawula igalelo, banike umtyalo-mali imali ethile yokufumana imali. Isahlulo siza xa inkampani inquma ukusabalalisa izabelo zeemali zayo kubanini-nxaxheba. Kodwa kubalulekile ukuba ukhumbule ukuba iintlawulo zerhafu zibonwa ngeniso, kwaye ngoko ziphantsi kwentlawulo.

Iserhafu somrhumo yenye yeerhafu eziqhelekileyo ezihlawulwa ngabasomali-mali, ingaba zineenxenye eziyi-100 zikaJohnson & Johnson okanye izabelo eziyi-1,000,000 zeMcDonald's.

Imithetho malunga nendlela irhafu yezahlulo isebenza ngayo kunye neerhafu zerhafu ezahlukileyo, nangona kunjalo, aziqondi kakuhle. Esi sikhokelo sasihlanganisiwe ukukunceda uqonde izinto ezisiseko. [Jonga kwakhona: Izabelo ezili-101 - Isingeniso sakho esigqibeleleyo kwiMida kunye neNkqonkqo yokuQala kwiMida kunye noTyalo-mali .

Ulwahlulo lweeRhafu ngeRhafu

Ezinye izabelo zihlawuliswa ngezinga elifanayo njengengeniso eqhelekileyo, ngelixa ezinye zihlawulwa kwizinga eliphantsi. Izinga lokurhafisa lugqityiwe lixesha elide loba ne-stock. Ngokuqhelekileyo, iintlawulo ezininzi zihlawuliswa ngezinga elifanayo njengenzuzo yexesha elide, elingaphantsi kwerhafu kwingeniso eqhelekileyo.

• Ukwahlula okufanelekileyo : Ngokwendlela esemgangathweni, izabelo ezifanelekileyo zihlawulelo ezihlawulwa kwiisitokisi oziphetheyo ixesha elithile. Bahlawulwa irhafu kwinqanaba elifanayo njengenzuzo yexesha elide. Kubantu abaninzi oku kuthetha ukuba uza kuhlawulela i-15% kwingeniso ye-dividends, nangona abanye abantu abacebileyo (nabani na owenza ngaphezulu kweedola ezingama-425,900 xa bengatshatanga, i-479,000 i-479,000 xa umntu esatshatileyo angahlawula i-20%. i-$ 77,200 ayiyi kuhlawula irhafu kwerhafu yengeniso.
  
  Ngenjongo yokubala irhafu yerhafu, izabelo eziqhelekileyo zamasitokethi ezigcinwe ngaphezu kweentsuku ezingama-60 ngelixesha le-121 eliqala imihla engama-60 phambi komhla wokuhlawulela . Ngamafutshane, isiluleko esilungileyo sokukhusela irhafu ephezulu yokubambisa irhafu kukubamba kwiibhokhwe zakho ubuncinane kwiinyanga ezimbalwa. (Lo mgaqo ukhona ukuphazamisa abatyalo-mali ukuba bangenise imali evela kwinkampani engayifakalanga kuyo ixesha elide.)

• Ukungabanelisekanga, okanye okuqhelekileyo, Ukwahlula: Isahlulelo esingafanelekiyo nayiphi na isabelo esingahlangabezananga novavanyo lweemfanelo ezifanelekileyo (jonga ngasentla). Ezi zihlandlo zibizwa ngokuba yi "eziqhelekileyo" izabelo. Irhafu yerhafu kulezi zihlawuli zifana nebhasikhi yerhafu yengeniso . Ukuba uhlala kwi-bracket yerhafu ye-22%, umzekelo, uya kuhlawula irhafu ye-dividends kwiingeniso ezingafanelekanga.

Kukho ezinye iimeko apho umtyalo-mali angahlawula irhafu ephezulu ngaphezulu kwizabelo kungakhathaliseki. Ukwahlula kwizabelo zentengo yezolimo (ii-REIT), umzekelo, zihlala zihlawulwa njengemali engenayo.

Ukuba unayo izabelo ezihlawulele izahlulo, uya kufumana ifomu yeerhafu ye-1099-DIV evela kumrhwebi wakho ekuchazeni ubuninzi obufumene. Le fomu izakuxelela ukuba izahlulelo mazihlawulwe kwizinga lokufumana amaxabiso afanelekileyo okanye angafanelekanga.

Kuthekani ukuba Uphinde uhlawule izidibaniso zakho?

Abanini-zimali abaninzi baya kukhetha ukuthatha iintlawulo zeentlawulo kunye nokuzisebenzisa ukuthenga izabelo ezininzi zendonga efanayo. Oku kubizwa ngokuba yi-reinvesting, kwaye yindlela enamandla yokwandisa ixabiso elipheleleyo lepotfoliyo yakho.

Ukuba ubuyisela kwakhona izabelo, usasahlawula irhafu kubo. Ukwahlula kuthathwa njengenzuzo, kungakhathaliseki ukuba uyayisebenzisa ukuthenga isitokisi esiphezulu, ukubeka kwi-akhawunti yokugcina imali, okanye ukuyisebenzisa ukuthenga amathikithi kuma-movie.

Indlela Yokugwema Imirhumo Ekwahlukileyo

Ukuba utyalomali usebenzisa i-akhawunti yomhlala-phantsi yomhlala-phantsi, njenge-akhawunti yeRhafu yomhlala-phantsi (iRA) okanye 401 (k), unokuphepha ukuhlawula irhafu kwizabelo (ubuncinci ngokukhawuleza.) Ngaphansi kwe-IRA yendabuko kunye no-401 (k) , abatyalo-mali banokuphepha ukuhlawula irhafu baze baqale ukurhoxisa imali xa bethatha umhlalaphantsi.

NgeRoth IRA, imali ihlawuliswa ngoku, kodwa abatyali-mali abayihlawula irhafu nakweyiphi inzuzo ngexesha lokuthatha umhlalaphantsi.

Abatyalomali banokuphephela irhafu yentlawulo ngokutyalomali kwiisitokethi ezingahlawuli mali. Ngoxa ukungabikho kwengxowa-mali kungabonisa inkampani enenkathazweni, mhlawumbi kungumqondiso ukuba inkampani inqwenela ukusebenzisa iimvuzo zayo ukuvuselela nokukhula kwenkampani. Ngokuqhelekileyo (kodwa kungekho rhoqo) oku kubangela ukukhula konyango ngokukhawuleza kweso senkampani.

Ulungisiwe kwaye uhlaziywa nguTim Lemke.