Ukuhlawulwa kweRhafu yeMatual Fund
Ukuba ukhangele ukuthenga iimali ezithe zahlawula izabelo, kulungile ukuba wazi ukuba izabelo zihlawulwa njani ngaphambi kokuthenga. Unokuba usenokugqiba ukuba iifidi zokuhlawula azikhozona zimali ezifanelekileyo zokuthenga kwiinjongo zakho zotyalo okanye imeko yerhafu. Ngokuqinisekileyo awufuni ukuzibuza ukuba kutheni ufumane ifom ye-1099 ngoJanuwari ngenxa yokuba awuzange wenze umsebenzi wesikolo wasekhaya ngokuhlawula imali yentlawulo yangaphambili.
Ngoko ukuze ulungele ukuhlawula irhafu yezabelo zentlawulo, siya kuqalisa ngeendlela ezisisiseko ngokuphendula imibuzo embalwa elula:
Yiyiphi iAhlulelo?
Izahlulelo ziintlawulo kubanini-zimali (abatyalo-mali) bamasheya, iibhondi, okanye iimali ezihlangeneyo. Ezi ntlawulo zimela inzuzo yenkampani ekwahlula phakathi kwabanini-mali. Abatyala-mali beMutual baya kukhetha ukuba bafuna iindleko zokubuyiselwa kwakhona (ukuthenga izabelo ezininzi ze-fund) okanye ukuba zifunyenwe njengentlawulo yemali okanye zifakwe kwenye i-akhawunti.
Xa i-Mutual Fund Izabelo ziTekisiwe?
Kubalulekile ukuba uqaphele okokuqala ukuba abanini-mali abanamalungelo angabhalwa kwiirhafu zeengxowa-mali, nokuba ngaba le mpahla ifunyenwe ngemali okanye ibuyiswe kwizabelo ezongezelelweyo ze-fund. Kwakhona, kwii-akhawunti ezithile ezihlawulwe irhafu kunye neentlawulo ezixhamliweyo zerhafu, njenge-IRA, 401 (k) okanye i-annuity, izahlulelo azihlawuliswa kutyalomali ngelixa zigcinwe kwi-akhawunti. Endaweni yoko, utyalomali uza kuhlawula irhafu yengeniso ngokurhoxiswa ngonyaka kunyaka ohlawulwayo ukuhanjiswa (ukuhoxiswa) kwenziwa.
Ezinye iingxowa-mali, ezifana ne- Municipal Bond Funds zingakhokhela ingeniso kubanikazi abanini- mali abanakho ukuhlawulwa kwerhafu yentlawulo.
Iingxelo zerhafu ezihlawulwayo, njengama-akhawunti athengiswayo ngabathengi ngabanye kunye kunye kunye, iirhafu zeemali ezihlangeneyo zikarhoxiswa okanye zihlawulwe njengemali yengeniso eqhelekileyo (ihlawulwe irhafu yerhafu yomntu ngamnye) okanye izahlulelo ezifanelekileyo (ezihlawuliswayo ukuya ku-15%).
Iingeniso eziqhelekileyo nezifanelekileyo ezixhaswa ngabathengi-zimali kwiFom ye-1099-DIV . Ngenjongo yokufakela irhafu, umtyalomali-ntlawulo (umhlawuli-ntlawulo) uya kubika izabelo kwiFom 1040, iShedyuli B, kunye neFom 1040, imizila 9a no-9b.
Unyaka werhafu 2016, abahlawuli berhafu abafuna ukukwazi ukufumana ukuhlawulwa kweerhafu ngo-Ephreli ka-2017, nantsi iirhafu zerhafu kwizabelo:
- Iingeniso zokufumana : Abahlawuli berhafu ngabanye nabatshatileyo kwi-10% kunye ne-15% yabakaki beerhafu baya kuhlawula i-0% kwiimali ezifanelekileyo kunye neeninzi ezizuzayo.
- Izahlulelo ezifanelekileyo : ingeniso efunyenweyo iya kuhlawulwa irhafu kwinqanaba elifanayo njengenzuzo yexesha elide.
- Ireyithi yentlawulo : abantu kwi-25%, i-28%, i-33%, kunye ne-35% yabakhonksi bentlawulo yerhafu ye-federal baya kuhlawula i-15% kwi-capital gain, ngelixa abahlawuli berhafu kwi-39.6% ibakaki baya kuhlawula i-20%.
Ndingayifumana phi iNgcaciso engakumbi kwiTual Fund?
Ukufumana iinkcukacha ezingaphezulu zolwazi oluhlawula izabelo, ungabhekisela kweli nqaku malunga neengxowa-mali zobudlelwane .
Ukuba ufuna ukugcina iirhafu ubuncinci, funda eli nqaku malunga nendlela yokunciphisa irhafu kwiimali ezihlangeneyo .
Ukufumana ulwazi oluthe xaxa malunga nokuhlawula irhafu, unokufuna ukunxibelelana nomcebisi wakho weerhafu okanye ubhekise kwi-IRS Publication 550.
Ukuziphendulela: Ulwazi olukule ndawo lunikezelwa ngeenjongo zengxoxo kuphela, kwaye akufanele lichazwe njengeengcebiso zerhafu okanye iingcebiso zotyalo-mali. Ngaphandle kweemeko ngaba le nkcazelo ibonisa isincomo sokuthenga okanye ukuthengisa iziqinisekiso.