Iintlobo zee-1099 iiFomu zeMual Funds
Unyaka ngamnye ngoJanuwari ndihlala ndifumana iifowuni ezivela kubaxumi bezibuza ukuba kutheni bafumana i-1099-R okanye i-1099-DIV. Kule nqaku, ndiza kucacisa ukudideka okuqhelekileyo kwaye ndibone iimpendulo ezimbalwa malunga nokuba kutheni ufumene i-1099 kunye nento yokwenza ngayo .
Ziziphi iifom ze-1099-R?
Iifom ze -1099-R zithunyelwa kubarhwebi kwiinkampani zenkxaso-mali okanye umgcini-mgcini apho ugcine khona kunye nomhlala-phantsi okanye i-akhawunti echazwe ngerhafu, njenge-IRA, 401 (k) okanye i-annuity, kunyaka werhafu.
Abathengi bam bacela malunga ne-1099-R kakhulu ngokuba ifomu ithunyelwe xa kukho nayiphi na indlela yokuhambisa kwi-akhawunti yomhlalaphantsi. Isizathu sokuba le nto idibanise abantu abaninzi kukuba ukusabalalisa, ngentetho, akusithethi ukuhoxiswa kwemali. Ifom eqhelekileyo yokusasazwa yi-rollover ngqo, apho umntu adlulisela khona i-401 (k), umzekelo, ngqo kwi-IRA. Nangona i-rollover ngokuthe ngqo ingabangela ukuba kubekho umcimbi ohlawuliswayo, kusekho uhlobo lokuhambisa olufuneka luxelelwe kwi-IRS.
Ziziphi iifom 1099-DIV?
Iifom ze -1099-DIV zithunyelwa kubatyalomali kwiinkampani ezixhamlayo zeengxowa-mali ukuba baxele igalelo okanye iintlawulo zemali ezazisasazwa kumtyalomali ngethuba lonyaka werhafu. Lapho kukho ukudideka okukhulu ukufumana i-1099-DIV yilapho umtyalo-mali engazange amkele nayiphi na igalelo okanye indawo nayiphi na imisebenzi ekuthengeni i-akhawunti okanye i-akhawunti yabo eyayiba negalelo lentengo. Ukuba ubamba imali edibeneyo kwi-akhawunti ehlawulwayo, njenge-akhawunti ye-brokerage nganye, i-fund efanayo iya kuba neenzuzo ezinkulu kwiintengiso ezigcinwe ngaphakathi kwe-fund.
Ezi mali zentengo mali zifumana ukusabalala kudluliselwa kunye nomtyalo-mali. Ngokuqhelekileyo, izabelo kunye neenzuzo ezinkulu zibuye zitshintshwe kwi-fund fund ukwenzela ukuba ezi ziganeko ezihlawulwayo zingabonakaliswa ngumtyalomali ... kude kube yi-1099-DIV efika. Ukuba umtyalo-mali unamathelwano emali kwi-akhawunti ehlawulwe irhafu, njenge-IRA, 401 (k) okanye i-annuity, izahlulo kunye neentengo zemali azihlawulwanga ngokutsha kumtyalomali kwaye ke akukho-1099-DIV ifunyenwe.
Yintoni enokuyenza ngeFomu ye-1099 (kunye nendlela yokuzikhusela ukufikelela kwixesha elizayo)
Ngokuqinisekileyo, kufuneka uxoxe ngee-1099 kunye neengcali zakho zerhafu okanye ujonge i-IRS.gov kodwa i-1099-R kunye ne-1099-DIV ngokuyinhloko maxwebhu (ukuxhasa ukufakela irhafu kwimeko yokuphicothwa). Ngokuqhelekileyo, i-IRS iphinde ithunyelwe ikopi ye-1099 kwinkampani ye-fund.
Isifundo esiliqilileyo apha kukuba abatyali-mali kufuneka baqaphele indlela iimali ezahlukahlukeneyo ezihlawuliswa ngayo kunye nokwenza isetyenzisi seendawo ezifanelekileyo, ukubeka imali kwiakhawunti ethile ukuncitshiswa kweerhafu. Ngokomzekelo, bekungekho bulumko ukutyalomali kwingxowa-mali ehlawula imali ehlawulelwayo-mali (ngaphandle kokuba umtyalo-mali ufuna imali engenayo) ngenxa yokuba le mali ivelisa irhafu, leyo ingayiphumelela kwimbuyekezo yakho. Kunoko umtyalo-mali unokubeka le ngxowa-mali kwi-IRA yabo ukukhusela irhafu ngoku kwaye sikhulise i-fund ngokukhawuleza ngenxa yokwenza umdla .