Kutheni ukuthenga i-Mutual Fund Kungekudala ngaphambi kokuba Usasazo lwayo Usuku luyimbono embi
Ngelishwa, ayisebenzi ngaloo ndlela ebomini boqobo. Enyanisweni, ukusebenzisa i-akhawunti ehlawulweyo ukuthenga ingxowa ngaphambi kokuba usasaze inokuthi ihlawule imali.
Iimpawu zoMawulo weMali yeMatual
Indlela yokuhlawula iimali zabo zincinci, kodwa kubalulekile ukuqonda indlela abasebenza ngayo ukuze bagweme iintloko ezingadingekile.
Kukho iintlobo ezimbini zokuhambisa: izabelo kunye neenzuzo ezinkulu .
Ngokuqala, izabelo, imali iqokelela imali engenayo kwi-holdings yayo, kwaye igcina le ngeniso kwingxowa-mali kuze kube yilapho ihlawula imali engenayo kubanini-mali. Ngemali yezibophelelo , le ntlawulo iqhutyelwa kubasomali kanye ngenyanga; ngemali yesitokethi, iintlawulo ziyakwenzeka enye, ezimbini, okanye ezine ngonyaka. Xa imali ifumana le ngeniso kwaye ibambelele phambi kokusabalalisa, ibonakaliswa kwixabiso lexabiso lexabiso le-mali (NAV) .
Ngokomzekelo, i-fund enexabiso elipheleleyo lalingama-$ 1,000,000 kunye ne-100,000 izabelo ziqokelela i-$ 50,000 kwi-dividend engenayo, i-NAV yayo iphuma kwi-10.00 ukuya kwi-10.05 yezigidi. Xa ixhasti idlula le ntlawulo yesabelo kwizabelo zabasebenzi, loo mali iphuma kwingxowa-mali kwaye i-NAV yehla ukuze ibonakalise olo tshintsho.
Ngenxa yoko, utyalo-mali ufumana i-$ .05 ngesabelo ngasinye ngesimo sesahlulo, kodwa i-NAV iyancipha i-$ 10.00.
Ngamafutshane, ngelixa umtyalo-mali ethola imali, ixabiso elipheleleyo le-akhawunti yakhe iyafana nangomhla emva kwesahlulo njengoko kwakuyimini phambi kwesahlulo.
Imisebenzi yokuzuza ngemali ngokuyinhloko isebenza ngendlela efanayo.
Xa ingxowa-mali ithengisa utyalo-mali kwinzuzo, iyavalela inzuzo enkulu. Ukuba, ekupheleni konyaka, inani elipheleleyo lemali eyinzuzo lidlula ixabiso lentlawulo yelahleko, i-fund kufuneka idlule kwinzuzo yentlawulo yabanini-mali. Njengoko kunye neentlawulo, ezi ntlawulo sele zibonakaliswe kwixabiso lexabiso lexabiso lemali phambi kokusasazwa. Kwaye, ngendlela efanayo, xa ukuhlawulwa kwexabiso eliyinkunzi kuhlawula ixabiso lezabelo zexabiso lemali lihla ukubonisa imali ekhutshwe kwi-fund kwaye ithunyelwe kubanini-mali. Ngamanye amazwi, inzuzo eyinkunzi ye-$ 5 ihamba kunye ne-$ 5 yehla kwixabiso lentengo.
Isiphumo sokuphela sifana nokufana nokuhlawula ixabiso: inani lexabiso lexabiso eliyinkunzi lilinganayo ngosuku olulandelayo emva kwesahlulo njengoko kwakuyimini ngaphambi kokuba inzuzo enkulu.
Oku kuthetha ukuba abatyali-mali abayi "ukwenza" imali ngosuku lokuhlawula. Le mali sele iyenziwe lonke ixesha lonyaka, kwaye ibonakaliswe ngokuthe ngcembe kwintengo yesabelo semali. Yingakho nayiphi na inzame yokuthenga ngaphambi kokusabalalisa "ukuthatha" isahlulo ayinanto-ekugqibeleni, ixabiso le-akhawunti yomtyalomali lihlala lifana.
Impembelelo yentlawulo
Ngelishwa, kukho enye ibali. Abatyalomali kufuneka bahlawule irhafu kule mivuzo kunye neenzuzo eziyinkunzi kwi-akhawunti "ngokuqhelekileyo," okanye engekho yerhafu (ngokuchasene nokuhambisa kwi-401 (k) iakhawunti, iiAkhawunti zeRhafu zomhlala phantsi okanye ezinye i-akhawunti yomhlalaphantsi).
Kwiingxelo ezihlawulwayo, umtyalomali akafumani ukugcina konke ukusabalalisa - kufuneka anike inxalenye yerhafu. Izahlulelo kunye neentlawulo zexeshana zexeshana ezifutshane zihlawulwa njengemali engenayo rhoqo, ngelixa i-long-income ye-capital income ihlawulwa kwizinga elifanelekileyo lemali.
Khawuqwalasele lo mzekelo. Umtyalo-mali nge-$ 10,000 akhawunti ngomhla wama-28 kuDisemba ufumana iifikelelo ezixabisa i-$ 500. Ngomso olandelayo, uya kubuyiselwa kwimali kwingxowa-mali. I-akhawunti iselingana ne-$ 10,000, kodwa ukuba izinga layo lentela li-28%, loo mali i-500 iyancishiswa ibe yi-$ 340 (okanye i-$ 500- $ 160 = $ 340) emva kokuhlawula irhafu. Umtyalo-mali ulahlekelwa yile nxalenye yexabiso elipheleleyo kwi-akhawunti ngendlela yokuhlawulwa kwentlawulo yengeniso ye-federal.
I-Takeaway: Qaphela ixesha lokwabiwa
Ukuhlawulwa kweerhafu akusisizathu sokungasetyenziselwa imali - emva koko, ukuhlawula irhafu kuthetha ukuba wenze imali.
Emva koko, izabelo kunye neenzuzo eziyinkunzi zimela imali leyo leyo mali eyenziweyo ngexesha lonyaka. Kubabelo-mali abanamalungelo abambe i-asethi yonke unyaka, oko kulungile. Kodwa kubatyalomali abatsha kwi-fund, akukho sizathu sokuthenga izabelo kungekudala ukusasazwa. Ngokwenene, uhlawula irhafu engadingekile kwimali ongayenzanga ngokwenene. Ngoko ke kubalulekile ukuba uqaphele ixesha lokusabalalisa okuzayo xa wenza utyalo-mali olutsha okanye ubeka imali entsha kwingxowa-mali osukhona.
Ngeengxowa-mali, le nto ayinayo ingxaki enkulu kuba ukusasazeka kwinyanga nganye kunye neentengo zentengo zincinci. Nangona kunjalo, abatyalo-mali abatyelele imali abanokufumana imali yemali ekufuneni iimbuyekezo eziphezulu kufuneka baqaphele ngokukhethekileyo le ngxaki.
Uninzi lwemali luhlawula ixabiso lentengo kwiveki yokugqibela kaDisemba, kodwa kukho inxalenye encinane eyenza ukwabiwa kwamanye amaxesha omnyaka. Gcina ke engqondweni, ukuba le nto ayiyiyo ingxaki ethile kwikota yekota yekhalenda - kufuneka uhlale ujonga imbali yokuhlawula i-fund ukuqinisekisa ukuba ayikho ukuhlawula ukusasazwa.