Izinto ezi-10 eziphezulu zokuzi malunga neRhafu yeRhafu yeMali

Isicwangciso kunye neMimiselo yokuNciphisa iRhafu kunye nokuPhakamisa ukubuyiswa

Ndingayinciphisa njani irhafu kwiimali ezihlangeneyo? Ziziphi iintlobo zeemali ezifanelekileyo kwiakhawunti ezihlawulwayo? Kutheni ndifumene i-1099? Ukuqonda ukuhlawulwa kweentlawulo zomxhaso kuzo kuya kukunceda ukuphucula imbuyekezo yakho yonke ngokuba ngumtyalo-ntliziyo.

Njengoko bethethayo, "Akukho nto inokuqinisekileyo ebomini kodwa ukufa kunye nentlawulo." Nangona kunjalo, irhafu inokuncitshiswa okanye ikhutshwe ngokubhekiselele ekutyala imali. Ngako oko, ngolwazi lwezinto ezisisiseko kwiirhafu zentlawulo, uya kunikwa amandla okwandisa iifomfolio zakho zokutshala imali.

Nazi izinto ezibaluleke kakhulu ezi-10 ezibalulekileyo ezizaziyo malunga nokuhlawula intela yesikhwama:

1. Indawo ye-Asset : Enye yezona mpazamo ezinkulu ezenziwa ngabatyalo-mali zibeka imali edibeneyo eyenza iirhafu ezinxulumene neerhafu kwiingxelo zabo zerhafu. Ngokomzekelo, imali eninzi yezibophelelo kunye neengxowa-mali ezihlawula imali ezihlawula igalelo zenza ingeniso ehlawulwa ngumtyalomali. Ngako oko le mali iyona nto ithengiweyo kwi-akhawunti ehlawulwe irhafu, njengesi-IRA, 401 (k) okanye i-annuity esikhundleni. Ngale ndlela uya kuphephela irhafu yengeniso engenakudinga.
2. Iimali ezifanelekileyo zerhafu : Ukuba unayo i-akhawunti ehlawuliswayo, i-akhawunti enjalo okanye idibanisa ye-brokerage, kunye nokufuna ukunciphisa irhafu, kufuneka utyalomali kwiimali ezihlangeneyo ezivelisa encinci irhafu. Ezi zimali zibhekwa njengezentlawulo . Ngokomzekelo ukuba ufuna ukukhutshwa kwiibhondi, unokucinga ngokusebenzisa imali yesikhonkco kamasipala , okwenza imali ingeniso irhafu kwizinga lombuso.
3. Iimali ezahlukileyo zeMatual Fund zi-Taxed : Ezinye iikhampani zidlulisa kunye neenzuzo zabo kubanini-zamasheya kwi-form of dividends. Ingxowa-mali yokubambisa imali kwiisitokhwe zingenako ukufumana izabelo ezivela kwiinkampani abazityala ngayo kwaye zigqithise igalelo kumnini-shareholder. Umtyalo-mali ohlangeneyo uhlala ekhetha ukuhlawula imali kwi-fund, kodwa umtyalo-mali unokuhlawula irhafu. Imali yentela ehlawulwe ixhomekeke kwixesha lokubamba kunye ne-tax tax bracket, phakathi kwezinye izinto.

1. Iintlobo zee-1099 Iifom kunye Nento enokuyenza ngayo : Iindidi eziqhelekileyo ze-1099 ezifunyenwe ngabatyalomali zibandakanya i-1099-R, 1099-DIV, 1099-INT kunye ne-1099-Q. Abanini-mali basoloko bemangaliswa xa befumana i-1099 ngeposi. Oku kuyimpawu yokuba umtyalo-mali kufuneka aqonde ukuba kutheni bafumana i-1099 kwaye ukuba iirhafu ezenziwa ngutyalo-mali lwentengiso zinokuncitshiswa okanye ziphetshwe. Ukuba ufuna ukwazi iziseko zentlawulo ye-fund, ukuqonda iifomu ezili-1099 yindawo enkulu yokuqala. Uya kufuna kwakhona ukuqinisekisa ukuba wenze ntoni i-IRS ukuba uyenze!

1. I-Mutual Fund Inzuzo yeNtengo yeNtengo : Iimali zengxowa-mali ziya kufakwa kwiininzi okanye amakhulu emasitokisini. Ngokuqhelekileyo umphathi weengxowa-mali uya kubathengisa kwaye athengise izabelo zeempahla ezininzi kwi-fund yonkcenkceshelwano kunyaka ngamnye. Xa umphathi uthengisa izitokethi ezifumene ixabiso ukusuka kwithenda athe athenge ezo zifuba, ezo zorhwebo zivelisa iimali zentengo, ezithe zagqithiselwa kumtyalomali (wena).
2. Cwangcisa phambili kwi-Capital Capital Gains Distributions : Ukuncedisa abanini-nxaxheba ukulungiselela ukunikezelwa kwemali eyinkunzi, iinkampani zenkxaso-mali ngokubanzi zixhomekeke ekuqikelelweni kwenzuzo yokufunyanwa kwemali ngokuqala ngo-Oktobha. Ezi ngqikelelo zokunikwa kweenzuzo ezinkulu zinokukunceda ukuxhaswa ngabathengi-mali (abaneengxowa-mali ezigcinwe kwiakhawunti ezihlawulwayo) cwangcisa phambili ngosuku lwerhafu.
3. Ukuvuna ukulahleka kweRhafu : Abanini-zimali abaninzi benza impazamo yokuhlawula irhafu yerhafu xa bebenokunciphisa okanye bawaphelise ngokunciphisa inzuzo ngokulahlekelwa kwemali. Ngokomzekelo, cinga ukuba ufuna ukulandelela i-porftolio yakho kwaye unquma ukuthengisa izabelo zeemali ezimbini. Ngokuqhelekileyo, ukuba unayo imali eyi-1 000 yemali eyinzuzo ngenxa yokuthengisa i-fund yokuqala kunye ne-$ 1,000 yemali elahlekileyo ngenxa yokuthengisa izabelo zesinye isikhwama, ukuzuza okulinganayo kunye nokulahleka kuya kufakwa kunye kwaye akukho ntlawulo inetyala.

1. Ixabiso lentlawulo yeRhafu : Njengoko kuzwakala, ixabiso lentlawulo yerhafu ngumlinganiselo weerhafu ezichaphazela ukubuyiswa kwemali yentlawulo. Ngokomzekelo, ukuba imali yakho yokubambisana ifumana ukubuyiswa kwe-10% phambi kweerhafu kodwa iindleko zerhafu eziqhutywe yingxowa-mali ziyanciphisa ukubuyela ngokubanzi kwi-9% yerhafu yexabiso lentlawulo ngu-1%. Abatyalomali banokufumana ukubuyiswa kwentela engaphambili, ukubuyiswa kweerhafu nokulungiswa kwemali yentlawulo yeemali ezihlangeneyo kwi- Morningstar .
2. Iimali zeengxowa-mali kunye neengxowa-mali ezilawulwa ngokuzimeleyo : Iifowi ezama "ukubetha imarike" zibizwa ngokuba yizimali ezilawulwa ngokunyanisekileyo kunye neemali ezizama ukumelana nokubuyiswa kweemarike okanye ukunikezelwa kweemali zibizwa ngokuba yimali elawulwa ngokungathandabuzekiyo. Iimali ezilawulwa ngokukodwa zineentengo eziphezulu (zithengise kwaye zithengise ama-stocks okanye amabhondi) kwaye ke zineendleko zerhafu ephezulu kuneenkcazo zemali kunye ne-Exchange Traded Funds (ETFs). Ukusebenza kakuhle kwerhafu, unokufuna ukuqwalasela ukusebenzisa enye yezona ziKhonkco ze-S & P 500 Index Index .

1. Indlela yokukhetha iiNgxowa-mali eziPhambili eziMnandi : Akunakwenzeka nje ukuba i-finance mutual best doing, ngokukodwa ngaphezu kwexesha elide, elifana neminyaka eli-10 okanye ngaphezulu, idla imali ngeendleko zentlawulo ephantsi. Ngako-ke umnini-zimali okhangele ukukhangela imali engcono kakhulu yokwenza imali uya kufumana imali ephezulu kakhulu yerhafu, nokuba ingazami, kuba kukho ulungelelwano oluphezulu phakathi kweendleko zerhafu eziphantsi, umlinganiselo omncinci wokuthengiswa kunye nexabiso eliphantsi lentlawulo ukuya kwixabiso eliphezulu, ngokukodwa ixesha elide lotyalo-mali.

Ukuziphendulela: Ulwazi olukule ndawo lunikezelwa ngeenjongo zengxoxo kuphela, kwaye akufanele lichazwe njengeengcebiso zerhafu okanye iingcebiso zotyalo-mali. Ngaphandle kweemeko ngaba le nkcazelo ibonisa isincomo sokuthenga okanye ukuthengisa iziqinisekiso.