Ukuchithwa kweRhafu kuSebenzi ukuNciphisa iRhafu yeNgeniso
Ukuncitshiswa kweerhafu ngokuqhelekileyo kubangelwa ezinye iindleko ezinxulumene nezoshishino, kodwa yindlela enye urhulumente anikezela ngayo abantu ukuba bathathe inxaxheba kwimisebenzi enenzuzo enkulu yoluntu. Eminye imizekelo ibandakanya ukwenza iminikelo yokunceda, ukukhetha ukuthenga izinto ezinobungakanani bendalo, kunye nokulondoloza umhlalaphantsi.
Kuthetha ukuthini Ukuba kukho into yokuKhutshwa kweRhafu?
Ukuba kukho into yokuncitshiswa kweerhafu (okanye i-tax deductible), inokunciphisa umrhumo wakho werhafu ngeniso ngokunciphisa imali engenayo engenayo irhafu (eyaziwa ngokuba yinzuzo yakho epheleleyo okanye i-AGI). Abantu abaninzi bacinga ukuncitshiswa kweerhafu njengesixhobo esisetyenzisiweyo sisityebi kunye nodumo, kodwa bayaphutha. Enyanisweni, kukho ininzi yemali yokuncitshiswa kwerhafu efumanekayo kwimindeni ephakathi nendawo ephantsi. Ezinye izinto eziqhelekileyo ezihlawulelwayo zerhafu zizinto ezifana neeprojama ze-inshorensi yezempilo, izipho ezixhasayo kunye neminikelo, kunye nokubuyiswa kwemali mboleko okanye umboleko wesikolodo somfundi.
Ingakhathaliseki ukuba ixabiso lentengo ehlawulwa irhafu ekugqibeleni linciphisa irhafu yengeniso ohlawulwayo incike kwiimeko ezininzi. Ukwahlula kunkulu kwiirhafu ezithatyathwa ngerhafu kukuba ngaba umrhafi wenze isigqibo sokuba athathe inqununu okanye athathwe.
Ngenjongo yokucwangcisa umhlala-phantsi, nangona kunjalo, ukuba into ehlawulwa irhafu kwaye unemivuzo engenayo, uya kusindisa kwiirhafu zakho zerhafu.
Akukho zihlomelo zokuthatha umhlala-phantsi ezithathwa njengemivuzo echithwayo .
Yintoni eyahlukileyo phakathi koKhutshwa kweRhafu kunye neRhafu yeMali?
Ukubanjiswa kweerhafu kunye neerhafu zerhafu kunokunciphisa umrhumo wakho werhafu, kodwa benza njalo ngeendlela ezahlukeneyo. Njengoko kuchaziwe ngasentla, ukuncitshiswa kweerhafu kunokunciphisa umrhumo wakho werhafu ngeniso ngokunciphisa umvuzo owenziwe kwintlawulo. Ngaloo ndlela, ukuncitshiswa kweerhafu ezihlawulwayo kuyafana neyonke imali enokubanjiswa kweerhafu ngamaxesha akho ereyithi yentlawulo. Ikhredithi yentela, ngakolunye uhlangothi, iyanciphisa ngqo irhafu yengeniso ofunekayo idola-dollar. Ngaloo ndlela, iikhredithi zerhafu zixabiseke kakhulu, kodwa zincinane kakhulu.
Iingeniso zerhafu zentlawulo zinciphisa irhafu yengeniso yakho yombutho emva kokuba irhafu yakho sele ibalwe, eyenza ibe sisixhobo esinamandla sokukhupha umrhumo wakho werhafu. Khangela eli phepha ukuze uthole ulwazi oluninzi malunga neerhafu zerhafu.
Kodwa oko akuthethi ukuba ukutsalwa kweerhafu akubalulekanga. Ukuba besetyenziswe ngokuhlakanipha, abanakukugcina kuphela imali kwi-bill yakho yerhafu, kodwa banokukunceda ukuxhasa imali yakho yomhlalaphantsi.
Yiyiphi imizekelo yokuThuthwa kweRhafu ejongene nokuHlaliswa kweRhafu?
Ukuncitshiswa kwentlawulo yomhlala-phantsi oqhelekileyo ngowomrhumo wendabuko we-IRA .
Ukuba uhlangabezana nemingcele ethile yembuyekezo, igalelo lakho kwi-IRA yendabuko irhoxiswa irhafu kwaye ke, isindisa imali kwiirhafu. Unokufaka isicelo sokubanjiswa oku kuhlawulelwa kwerhafu yakho yentlawulo.
Igalelo leMali yokuThengiswa kweMpilo lingayinciphisa njani ingeniso yakho engenayo?
I-akhawunti yokulondoloza impilo (i-HSA) iiplani zokulondolozwa kweerhafu ezikhutshwe irhafu ezenza umntu alondoloze iirhafu ezingaphambili zerhafu kwiindleko zonyango lwexesha elizayo. Inzuzo eyongezelelweyo yokuncitshiswa kwentlawulo yegalelo ye-HSA kukuba akufuneki ukuba uthathe iinqununu ukuba uthathe ibango. Iinjongo zerhafu, igalelo le-HSA ithathwa njengongentla kwehliswa komgca. Oku kuthetha ukuba banokunceda ekunciphiseni imali engenayo ehlawulweyo (AGI) kwaye banokukunceda ukufumana ezinye iintlawulo zedola kunye nezikredenti ezixhomekeke kwimali. Ii-HSA zibonelela ngendlela egqibeleleyo yokugcina umhlalaphantsi kuba akukho zihlomelo zokusebenzisa le akhawunti ngenxa yeendleko ezingezona unyango xa ufikelela kwiminyaka yobudala engama-65.
Ukuhoxiswa kwe-HSA kuya kubakho irhafu ngaphandle kokuba imali isetyenziselwe ukuhlawula iindleko zonyango ezifanelekileyo.
Ngaba igalelo kwi-401 (k) Isicwangciso seRhafu esikhatywayo?
Ukongezelela kokufumana ukuncitshiswa kwentlawulo ngokufaka isandla kwi-IRA yendabuko, iminikelo yezicwangciso zomhlala-phantsi ezixhaswe ngumqeshi ezifana no- 401 (k) nezicwangciso zenzelwe irhafu. Ngokungafani negalelo le-IRA, nangona kunjalo, ekubeni yakho 401 (k) iminikelo ichithwa ngokuzenzekelayo kwi-paycheck yakho phambi kokubanjwa kweentlawulo kubalwa, ufumana ukugcinwa kwentela phambi. Ekubeni loo mrhumo isuswe kwiholo lakho elihlawulisiweyo libikwe kuwe kunye ne-IRS kwiFomu W2, awukwazi ukususa i-401 yakho (k) iminikelo kwakhona kwi-tax return yakho.