Nazi ezinye iiRhafu eziThathaliweyo eziThathaliweyo ongenakuzenza
Unokuthi Ukwazi ukufumana inzuzo yoThutho lokuThutshwa kweRhafu yeNtlawulo yeeNkxaso zoTyalo-mali
Nangona awukwazi ukukrazula iikhomishini ozihlawulayo kwi- akhawunti yakho ye- brokerage - ezo zongezwa kwisiseko seendleko zezithuba zakho zerhafu ngamnye kwaye ekugqibeleni zisetyenziselwa ukubala nayiphi na imali eyinzuzo okanye ilahleko zexabiso , apho uya ukuhlawula irhafu okanye ukufumana ukuncitshiswa kwentlawulo - kukho inani lemirhumo, iindleko kunye nezinye iindleko zokucebisa apho unokukwazi ukuthatha irhafu yentlawulo ngokuxhomekeke kwiimeko ezibandakanya, kwezinye iimeko, ukuba zininzi kangakanani iindleko zimelela kwingeniso yakho ehlawulwayo yerhafu okanye ehlengahlengisiweyo.
Ngokomzekelo, ukuba unabantu abaninzi baseMelika abacebileyo okanye abacebileyo, unokusebenza nomcebisi-mali obhalisiweyo . Abaninzi abacebisi bezolimo-mali abhalisiweyo basebenzayo kwisiseko semali-mali kuphela, oku kuthetha ukuba ngokungafani namanye amaziko emali okanye ootitshala, abayifumani imali ekukubhekiselele kwimveliso ethile yezemali okanye abavelisi nayiphi na ingeniso ekusebenzeni amashishini egameni lakho.
Esikhundleni saloo ndlela, bakuhlawulisa imali yokucebisa imali , ngokuphindaphindiweyo iphesenti yeefa phantsi kolawulo, iifizi eziphathekayo, okanye iifizi zehora kuye kuxhomekeke kwenkampani osebenza kuyo, iimfuno zakho ezithile, kunye nemeko yeenkonzo enikezelwayo. Ngokuqhelekileyo, iirhafu zinokuqala ukusuka kwi-0.05 kweepesenti ukuya kuma-3 ekhulwini okanye, kwezinye iimeko xa ungumxhasi ofanelekileyo, ipesenteji yentsebenzo, uthethe i-15 ekhulwini ukuya kwi-25 ekhulwini yexabiso eliqinisekileyo elingaqinisekanga nelingenakulinganiswa kwi- akhawunti yokugcina .
Uyazi ukuba ndingumdlali omkhulu wokusebenzisa imimiselo yehlabathi yangempela ukuqhuba iindawo zamakhaya kuba ndicinga ukuba yenza kube lula ukuqonda iingcamango. Ukubonelela umzekeliso onjalo, inkampani yolawulo lwamafa abucala ukuba ndibekwe kamva kulo nyaka ukwenzela ukulawula ubutyebi bentsapho kunye nobutyebi bomhlaba obutyebileyo ophezulu kunye nabantwana, iintsapho kunye namaziko anenani elingama-$ 500,000 ukuze atyala imali kunye nathi, eKennon -Green & Co., okwangoku kwizigaba zokucwangcisa kodwa imodeli yethu yokuqala yoshishino iyalindele ukuba ishedyuli yethu yokuhlawula iphakathi kwe-0.25 yeepesenti kunye neepesenti eziyi-1.5 kuxhomekeke kwiipotifoliyo ezithile kunye nezinye izinto ezichaphazelekayo. Siya kuba yinkampani yolawulo lwezinto eziphathekayo, nangona kunjalo, kungekhona into ebantwini abayicinga ngayo xa becinga ngomcwangcisi wezezimali owenza umsebenzi wakhe wokuqala wokubandakanya ukudala izicwangciso zezemali, ukuhlawula intlawulo, ngoko utyalo imali kwimali- mboleko yemali , uhlalutyo lwemali kunye nokutshintshiselana iimali ezixhaswe ngemali , ezizodwa iimali zazo ezibandakanyiweyo kwinani lentengo kwi-fee ye-advisory fee. Esikhundleni salo, siya kubakha iipotifoliyo ze-bespoke kubantu abaphumeleleyo abafuna ukufumana iziqinisekiso zabo; ukuba, ngaphandle kwezinto ezingaqhelekanga, abafuni ukuba imali yabo ibanjwe kwiimoto ezixutywayo kodwa bayathanda ukufumana iimpahla, izibophelelo kunye nezinye izibambiso kwi-akhawunti yangasese.
Imithetho yokubhalwa kwemirhumo yeengcebiso zotyalo-mali kunye neendleko zokulawulwa kwee-asethi kwiingxelo ezihlawulwayo zihla apha:
- Imirhumo yokucebisa utyalo-mali ithathwe irhafu kuphela kwiziqendu ezingaphezu kweepesenti ezi-2 zemali engenayo. Uyabhala ngokubhala phantsi kwiShedyuli A ngaphantsi kwe "Iindleko zeJob kunye nezinye izinto ezixutywayo"
- Imirhumo yokucebisa imali yotyalo-mali ithathwa njengento ekhethiweyo yentlawulo njengoko ichazwe ekubalweni kweNkcitho encinci yerhafu, okanye i-AMT. Ukuba uhlaselwa yerhafu encinci yerhafu, inxalenye okanye yonke intsalela yokunciphisa imali yentengiso yakho iya kuvunyelwa ukwenzela ukuba ungeke usebenzise inzuzo yokubhaliweyo.
Akukho mvumelwano phakathi kwabaqeqeshi malunga nokuba ngaba awukwazi ukuthatha intsalela yentlawulo yeengcebiso zokutsalwa kweerhafu kwiingxelo ezingahlawulwanga, ezifana neRoth IRA okanye i- Rollover IRA ukuze uzame kodwa akukho nto ingaxelelwa ukuba ngaba ayiyi kwamkelwa .
Inkqubo enye esetyenziswa ngabaphathi abatyebi kunye neenkampani zokulawula i-asethi ukuzama ukunceda abathengi ukuba bathathe oku kwiirhafu zabo ukuba bavumele ukuba bahlawule iifizi zokucebisa ngaphandle ngaphandle kwerhafu okanye i-akhawunti echazwe ngerhafu ngokunciphisa zonke iirhafu i-akhawunti ye-brokerage okanye uhlawule umxhasi ngqo kwaye ube ngumthengi ubhale isheke.
Unokuba Ukwazi Ukuthatha Ukutshatyalaliswa KweeMali Zakho Zokuphendula
Imirhumo ohlawula ngayo ukulungiswa kweerhafu ngokuqhelekileyo ihlawulwa irhafu. Ngelishwa, amaninzi amakhaya awafanelanga ukufumana intsalela ngenxa yokuba imithetho iyafana naleyo yokunciphisa intela yentlawulo yengcebiso yokutsalwa kweentlawulo - kuphela ezo ntlawulo ezingaphezulu kwama-2 ekhulwini lakho lemali engenayo echithwayo.
Unokukwazi ukuthabatha ukuThutshwa kweRhafu yeNtlawulo yeeNcwadana zeeNtengiso, iiMagazini kunye noPapasho
Ayikwazi ukuhlala ngaphandle kwe-Wall Street Journal yakho yemihla ngemihla? Kuthiwani nge Fortune, Forbes, okanye i-Financial Times? Gcina iirisithi zakho kwaye unako ukufumana ilungelo lokuncitshiswa kwentela esiye sithethe ngazo ngoku; naziphi na iipesenti ezingaphezulu kweepesenti ezi-2 zemali engenayo echitshiweyo ebhaliweyo kwi-bill yakho yerhafu kunye nokungahle kwenzeke okubangela ukuNyuswa kweRhafu eMiselweyo.
Unokuba Ukwazi Ukuthatha Ukukhishwa Kweentlawulo Kweminye Imirhumo Yezomthetho
Kwiimashishini ezithatha iirhafu zomthetho zoshishino, njengalezo zenzeke njengenxalenye yokuseka okanye ukuqhuba inkampani ejongene nokunyanzeliswa , ubambiswano obunqamlekileyo , okanye elinye iqumrhu, iirhafu zomthetho zihlawulwa ngokuthe ngqo. Njengoko ezi ziko ziqhelekile ukudlulela, abatyalo-mali baya kufumana isitatimende se-K-1 kunye nesabelo sabo sokuncitshiswa kweerhafu. Ngokuqhelekileyo, iintlawulo zomthetho zolu hlobo zichithwa ngokupheleleyo kwiirhafu, kubandakanywa ukungathotyelwa koNyango oNcinane weRhafu.
Ingaba okanye ungeke ukwazi ukuhlawula ezinye iintlawulo zomthetho kwiirhafu zakho ziyahlukahluka kuxhomekeke kwiimeko kunye neemeko. Ingakwazi ukukhawuleza ngokukhawuleza ngoko kulungile ukuthetha nomgcini-mali oqeqeshiwe. Ngokomzekelo, iimali ezithile, ezifana nabachaphazelekayo kwisiganeko sokuthengisa xa usithengisa ishishini elihlala ixesha elide, kufuneka lifakwe kwintlawulo kwaye longezelelwe kwixabiso. Ngakolunye uhlangothi, iirhafu zomthetho ezivela kummeli weerhafu uncedisa ukunciphisa umthwalo wakho werhafu okanye ukucwangcisa irhafu ngokuqhelekileyo kususwe ngokupheleleyo.
Unokukwazi ukuthabatha ukuThutshwa kweRhafu yeNtlawulo yeeNgcaciso zeNgcaciso zeNqununu
Ngaba ngokwenene ugcina utyalo-mali kwiifom zenyama ezifana nezitifiketi zesitokethi samaphepha okanye izibophelelo zokonga ? Ukuba ugcina ibhokisi ephosiweyo kwibhanki yendawo ukukhusela i-securities yakho, unokuyithatha njengenkunkuma kwiirhafu.
Unokukwazi ukuthabatha ukuThutshwa kweRhafu yeNtlawulo yeNkcitho-mboleko enxulumene neMisebenzi yakho yokuTyala
I-Revenue Revenue Service ivumela ukuncitshiswa kweendleko zentengo-mali-mali, okubandakanya indleko yenzuzo yemali oyihlawula imali ebolekelwe ukuthenga utyalo-mali njengempahla yesibhanki kunye nezibophelelo . Kukho imigaqo enqamlekileyo enokuthi ilandelwe ukuba ufuna ukufumana le ntsalelo yerhafu. Ngomnye, unokukrazula kuphela indleko yenzalo yokutshala-mali ukuya kumda we "intsebenzo yakho yentengiso". Oku kubandakanya iingeniso ezingafanelekanga kunye neenzuzo zemali (unokufaka igalelo ezifanelekileyo, ezo ezo zihlawula kuphela iirhafu zerhafu eziphantsi ezisekwe ekuqaleni kwe-Bush tax cuts kodwa ke unika isikhundla sabo esithile esifanelekileyo kwaye kufuneka uhlawule rhoqo Intlawulo yerhafu kuwo nawuphi na umlinganiselo ongaphezu kweendleko zakho zemali). Kufuneka uchithe iindleko zotyalo-mali ezifana nezo sele sithethe ngazo. Isiphumo, imali engenayo yentlawulo-mali, yimalini yemali yeendleko zemali ungabhala phantsi irhafu yakho. Kwezinye iimeko, unako ukuqhubela phambili ukutsalwa kweendleko zakho zokutsalwa kwemali ukuba awukwazi ukuzisebenzisa ngokugcweleyo kunyaka owodwa. Njengokuba kukho konke okukule nqaku, kufuneka uqhagamshelane ne-CPA yakho okanye omnye ummeli omele uhlawula irhafu ukuze ancedise ukubala nokuqonda iinketho zakho ngokusekelwe kwiimeko zakho ezikhethekileyo, amathuba, imeko kunye nezinye izinto ezifanelekileyo.