Izinkuthazo kunye neZingenakulungeleleneyo Iinkqubo ziTekiswe ngokungafaniyo
Ukuhlawulwa kwentlawulo yezinto ezikhethiweyo ezingekho mthethweni
Xa usebenzisa ii-stock options ezingafanelekanga, umahluko phakathi kwexabiso lemarike yesitokhi kunye nexabiso lesibonelelo (elibizwa ngokuba sisasazeka) lithathwa njengenzuzo eqhelekileyo, nangona usebenzisa izinto ozikhethayo kwaye uqhubeke ubambe isitokisi.
Ingeniso efumanekayo ixhomekeke kwiirhafu zerhafu (Ukhuseleko lwezeNtlalo kunye neMedare), kwakunye neerhafu zerhafu rhoqo kwizinga lakho lokurhafisa.
Uhlawula ezimbini iintlobo zeerhafu zomvuzo:
- I-OASDI okanye iNgcaciso yeNtlalo - eyi-6.2% kwimali eya kufikelela kwi-Basic Security benefit base eyi-118,500 ngonyaka ka-2015.
- I-HI okanye i-Medicare - eyi-1.45% kuyo yonke imali eyayifumanayo kunye nemali edlula isiseko senkxaso.
Ukuba imali oyifumanayo yonyaka sele idlulile kwisiseko senkxaso kunokuba irhafu yakho yokuhlawula imali inzuzo ekusebenziseni okukhethiweyo kwempahla yezinto ezinokungaqiniseki iya kuba yi-1.45% echaphazelekayo kwi-Medicare.
Ukuba umvuzo wakho onyaka-mali ufumane umvuzo awukho ngaphezu kwesiseko sokuxhamla kunokuba usebenzise izikhetho ezingekho mthethweni, uza kuhlawulela i-7.65% ngokufumana imali ukuya kufumana i-benefit base-1.45%. umvuzo kwi-base benefit.
Akufanele usebenzise izikhetho zabasebenzi ngokuchanekileyo ngokusekelwe kwizigqibo zerhafu.
Nangona kunjalo gcinani engqondweni ukuba xa usebenzisa i-stock options engafanelekanga kunyaka apho ungenayo enye ingeniso, uza kuhlawula irhafu yentlawulo ngaphezu kokuba uya kuhlawula xa usebenza ngawo unyaka apho uneminye imithombo yemali engenayo. sele idlulile kwisiseko senzuzo.
Ukongeza kwiirhafu zerhafu, yonke imali engenayo ukusasazeka ixhomekeke kwiirhafu zerhafu.
Ukuba ubambe isitokisi emva kokuzivocavoca, kunye neenzuzo ezongeziweyo ngaphaya kokusasazeka ziyafezekiswa, iintlawulo ezongezelelweyo zihlawulwa njengenzuzo eyinkunzi (okanye njengelahleko enkulu xa isitokisi sithe). Kwi-Fairmark.com yeNkokeli yeRhafu yezoTyalo-mali, unokufumana iinkcukacha ezongezelelweyo kwiirhafu ezisebenzisayo xa usebenzisa izikhetho ezingagqibekanga.
Ukuhlawulwa kwentlawulo yezinto zokukhuthaza izithuba
Ngokungafani nokukhethwa kwamasheya angafanelekanga, ukufumana okukhethwa kwintengiso ye-stock incentive ayikho phantsi kweerhafu zerhafu. Nangona kunjalo, ngokuqinisekileyo, kuxhomekeke kwerhafu, kwaye yinto ekhethiweyo ye-AMT ( kubhaliswa kweerhafu elincinane ).
Xa usebenzisa i-stock incentive option kukho izinto ezimbalwa zerhafu ezahlukeneyo:
- Usebenzisa i-stock options yokukhuthaza inxaxheba kwaye uthengise isitokethi kumnyaka wekhalenda ofanayo.
Kule meko, uhlawula irhafu ngokumahluko phakathi kwexabiso lemarike ekuthengisweni kunye nexabiso lesibonelelo kwizinga lakho lokuhlawula irhafu. - Usebenzisa izikhetho zesikhokelo sokhuthazo kodwa ubambe isitokisi.
Kule meko umahluko phakathi kwexabiso lesibonelelo kunye nexabiso lentengiso liba yinto ekhethwa yi-AMT, ngoko ke ukusebenzisa ukhetho lwezinto ezinokubangela ukuba uhlawule i-AMT (irhafu yentlawulo ephantsi). Unokufumana iitaliti ngokuhlawulwa kwentlawulo engaphezulu kwe-AMT, kodwa kunokuthatha iminyaka emininzi ukuyisebenzisa le ngetyala. Ukuba ubamba izabelo zonyaka owodwa ukusuka kumhla wakho wokusebenza (iminyaka emibili ukususela kumhla wonikezelo lwenketho) ke ngoko umahluko phakathi kwexabiso lesibonelelo kunye nexabiso lentengo xa uthengisa ukhetho lukarhoxiswa njengenzuzo yesikhathi eside kunokuba lufumane imali engenayo, kwaye ukuba isamba sakho sokurhafisa sithatha ireyithi yerhafu ye-AMT ungayisebenzisa enye ye-credit card yase-AMT. Kubafumana umvuzo ophezulu, ukubamba i-stock ngexesha elifunekayo kunokuthetha ukuhlawula irhafu kwi-15% ngokumalunga no-35%. Nangona kunjalo, kukho iingozi kwesi sicwangciso kufuneka sihlolisiswe ngokucophelela.
Imithetho yerhafu ingaba nzima. Ingcali efanelekileyo yentela kunye / okanye umcwangcisi wezemali unokukunceda ukuba uqikelele iirhafu, ubonise indlela oza kuba nayo emva kweerhafu zonke kunye nokunikezela ngesikhokelo kwiindlela zokusebenzisa ixesha lakho ukukhethwa kweerhafu.