Yenza Ukulahlekelwa Kwemali Yomsebenzi Kuwe
Iisiseko zoNcedo lweNtengo kunye nokulahlekelwa kunye neentlawulo
Ukuqonda iimpembelelo zerhafu (ukufumana imali eyinkunzi kunye nokulahlekelwa kwemali-mali) yokuthengisa iimali ezixhamlileyo kubaluleke kakhulu ekusebenzeni ngokutyala.
Awunayo inzuzo okanye ilahleko nakweyiphina impahla uze uyithengise. Kuze kube ngoko, unento ethile ephepheni (okanye kwi-intanethi) ukuxelela ukuba kulungile kangakanani. Umzekelo, ukuba uthengisa isikhwama sakho sakwa-stock for a higher price kunokuba uthenge, uya kuba nenzuzo enkulu. Ukuba uthengisa i-fund yakho ngentengo ephantsi kunokuba uyithenge, unelahleko enkulu. Xa unenzuzo enkulu, uya kubakhokhela irhafu yentlawulo. Nangona kunjalo, ukulahlekelwa kwexabiso eliyinkunzi kungakunciphisa i-capital benefit okanye, ukuba kwakungekho nzuzo ezukileyo kunyaka werhafu, ungasebenzisa u-$ 3,000 ukunciphisa imali engenayo rhoqo. Ukuba ukulahlekelwa kwemali kudlula i-$ 3,000 umtyalo-mali unokuqhubela phambili nayiphi na ilahleko ezingasetyenziswanga kwiminyaka yerhafu ezayo.
Umzekelo Wokuvunwa Kwemali yokulahlekelwa kweRhafu
Xa usebenzisa ilahleko ezinkulu zokunciphisa imali eyinzuzo okanye ukunciphisa imali engenayo, wenza into ebizwa ngokuthi ukulahleka kweentlawulo. Isicwangciso sokulahleka kweerhafu ukuvunwa kwemali eyinzuzo yokunciphisa imali kukuhlawula ixabiso okanye iNtengiso yeAset (NAV) yeengxowa-mali zakho.
Ngokomzekelo, mhlawumbi utyalwe i-$ 1,000 kwiNgxowa-mali kunye ne-$ 1,000 kwiNgxowa-mali B. Emva kweminyaka emibili, i-Fund A yakho ixabise i-$ 1,500 kwaye i-Fund yakho ye-B ibingakanani i-$ 500. Ukuba uthengisa iimali zombini namhlanje, uya kuqonda i-$ 500 eyinzuzo enkulu kwiNgxowa-mali kunye nelahleko eyi-$ 500 elahlekileyo kwiNgxowa-mali B. Ukuzuza kunye nokulahleka kuya kukwenzisana kunye kwaye awuyi kuba netyala nawuphi na irhafu.
Isishwankathelo, ukulahleka kweerhafu ukuxabisa kunokuba luncedo kumtyalo-mali, mhlawumbi njengendlela yokunciphisa okanye yokuphelisa imali eyinzuzo okanye njengendlela yokunciphisa imali engenayo. Khumbula ukuba iimali okanye ilahleko ezincinci azibandakanyi kwiingxelo ezihlawulwe ngerhafu, njenge-401 (k) okanye i-IRA yakho, ngoko ukulahleka kweerhafu kungenakwenzeka kule akhawunti.
Izilumkiso kunye neengcebiso zoThutho lokulahleka kweRhafu
Abanye abatyali-zimali bathanda ukuthenga emva komhla wecandelo elifanayo abathengisa ngalo (kuvuna). Ngaphambi kokwenza oku qaphela i-IRS Geza iRule yokuThengisa, nto leyo ithetha ukuba umnini-mali akasakwazi ukuthenga ukhuseleko olulinganayo phakathi kweentsuku ezingama-30 (ngaphambi okanye emva) ukuthengiswa.
Kwakhona, musa ukudibanisa ukulahlekelwa kweerhafu ukuvuna ngeentlawulo ezinkulu . Umtyalo-mali osisilumko unokunciphisa irhafu kwi-akhawunti ye-brokerage rhoqo ngokunciphisa ingeniso kwimali-mboleko kunye nokuhlawula iirhafu ezivela kwiintlawulo ezivela kwixabiso elithile elibizwa ngokuthi indawo ye-asethi- ukubeka utyalo-mali oluchanekileyo kuma-akhawunti atyala.
Ekugqibeleni, ukulahleka kweerhafu ngokuqhelekileyo kubakho isicwangciso -mali sokugqibela sonyaka kodwa umtyalomali ohlakaniphile uya kukhumbula zonke iintengo zeentlawulo kunye nokuthengiswa kunyaka kwaye enze izigqibo zokutshala imali ngokusekelwe kwiinjongo zokutyalomali, kungekhona i-whims ze-market.
Ukuziphendulela: Qhagamshelana nomcebisi wakho werhafu okanye umcebisi wezezimali ngaphambi kokuba wenze izigqibo ezinxulumene nentlawulo. Iimeko ezizimeleyo zezotyalomali kufuneka ziqwalaselwe ngaphambi kokusebenzisa izicwangciso zokutshala ngokubanzi kwiimali zomntu. Ingcaciso kule ndawo inikezelwa ngeenjongo zengxoxo kuphela, kwaye akufanele ichaneke njengengcebiso yokutyalomali. Ngaphandle kweemeko ngaba le nkcazelo ibonisa isincomo sokuthenga okanye ukuthengisa iziqinisekiso.