Ukulahlekelwa kwemali kwiintlawulo zentengo kungenziwa
Kodwa ukulahlekelwa kwexabiso eliyinkunzi kwi-investment kungagqiba ukuchazwa kumhla kamva phantsi kweemeko ezithile. Ukuba umtyalomali uthengisa ngokufanayo okanye ukhuseleko olufanayo phakathi kweentsuku ezingama-30 ngaphambi okanye emva kokuthengisa i-original kwilahleko, into ebizwa ngokuba ngumgaqo wokuthengiswa kwehlambi usebenza.
Umzekelo Wokuhlamba
Cinga ukuba uJoe unayo i- akhawunti yerhafu yokurhweba ephethe ii-shares ezingama-50 ze-XYZ kwisiseko seendleko ze-$ 500 kuba uthenge isitokisi xa ixabisa i-$ 10 ngesabelo ngasinye. Isitokethi sifanele i-$ 5 kuphela ngesabelo ngoJulayi 31, kwaye uthengisa zonke izabelo ezingama-50. Ivelisa ukulahlekelwa kwemali eyi-$ 250.
Ukuba uJoe uthenga izabelo ezitsha kwi-XYZ zingadlulanga iintsuku ezingama-30 ngaphambi kweentengiso okanye ukuya kwiintsuku ezingama-30 zekhalenda emva kokuthengiswa, ukulahlekelwa kwintlawulo yakhe ihlawulisiwe kude athengise ezi ntlawulo ezintsha.
Geza ukuthengiswa komthetho ochazwe
Intengiso yokuhlamba iqukethe ukuthengiselana ezimbini: Utyalo-mali uthengiswa ngephalahleko, kwaye enye yentengo yentengo yesithathu iyenzeka zingakapheli iintsuku ezingama-30 ngaphambi okanye emva komhla wokuthengisa:
- Ukuthenga okanye ukufumana enye impahla okanye iifenimenti ezifanayo
- Ukuthenga isivumelwano okanye ukhetho lokuthenga i-stock efanayo okanye i-securities
- Ukuthenga into efanayo efana ne-akhawunti yakho yomhlalaphantsi.
Umgaqo wokuthengiswa kwempahla uhlawulelwa nokuba umntu omnye uthengisa utyalo-mali kwilahleko kwaye iqabane lomntu okanye iqumrhu elilawulwa nguye lithenga utsalo-mali olufanayo ngexesha lokuthengisa ixesha lokuthengisa.
Ixesha lokuthengisa ixesha lokuhlamba lingu-61 iintsuku - Usuku X kunye neentsuku ezingama-30 ezandulela loo mini kunye neentsuku ezingama-30 emva kwaloo mhla.
Ukuchithwa kweMali ukuya kutsho iRemplacement Investment Ithengiswa
Ukuba umtyali-mali uthenge enye okanye utyalo-mali olufanayo ngokumalunga nexesha lokuthengisa i-day-61, ukulahlekelwa kwintengiso yokuthengiswa akuvunyelwe, kwaye ixabiso lokulahleka longezelelwe kwixabiso lexabiso lokutshala imali. Le mi sebenzi ukuchasisa ilahleko de kube ngumhla kamva xa utshalomali lokutshintshwa ekugqibeleni luthengiswa. Utyalo-mali lokutshintshwa kwakhona lugcina ixesha elifanayo lokubanjelwa kwelahleko.
Masithi uJoe uthengisa ezo zahluko ezingama-50 ze-XYZ kwisitoreji se-5 seyure ngayinye ngoJulayi 31, enokulahlekelwa ngama-$ 250. Ngoku uthenge ama-50 esahluko se-XYZ ngo-Agasti 15 xa isitokhwe sithengisa kwi-6 yesabelo ngasinye. U-Agasti 15 ungaphakathi kweentsuku ezingama-61, ngoko ukulahleka kwe-Joe yama-250 kwintengiso yokuhlamba. Akuvunyelwe, kwaye isiseko sikaJoe kwizabelo zokutshintshwa kwenyuka ngama $ 250. Isiseko esilungisiweyo sikaJoe kwizabelo zokutshintshwa yi-$ 550: 50 x $ 6 + $ 250. Ngamanye amagama, i-Joe yangempela kwizabelo, eziza kuba ngama-50 x $ 6 okanye i-$ 300 zitshintshile kwaye zonyuka ngamalahle angama-250 engavumelekanga. Kulo mzekelo, ukulahleka kukaJoe "ukuhlamba" nje ngokuba wayephethe izabelo zakhe zangaphambili ngaphandle kokuthengisa.
Ukubika Ukuhlamba Iintengiso kwiFomu 8949
Zonke iintengiso zotyalo-mali zichazwe kwiFomu 8949 zatshintshwe kwiShedyuli D.
I-IRS idinga ukuba ukuthengiselana kuboniswe ngekhowudi "W" kwikholam (b), kwaye ukulungiswa kwelahleko kufuneka kubikwe kwikholam (g) xa kuthengiswa okuthe ngqo ukuthengisa. Geza ukuhlengahlengiswa kweentengiso kunikwe ingxelo kumgca wesibini ngokukhawuleza phantsi kweentengiso ukubonisa ukulungiswa ngaphambi ko-2011.
Ukulungiswa kweSiseko seNkcitho
Ngokudibanisa ukulahleka kweentengiso kwixabiso leendleko zokutshintshwa, ilahleko ichazwe kwaye iyakwenziwa kwakhona xa izabelo ezithengiswayo zithengiswa. I-IRS icebisa ukuba, "Ukuba ukulahlekelwa kwakho akuvunyelwe ngenxa yokulawulwa kwempahla yokuthengisa, faka ilahleko engavumelekanga kwiindleko zesitokisitsha esitsha okanye iziqinisekiso. Isiphumo sisiseko sakho kwisitokisitsha esitsha okanye iziqinisekiso. ukubonelela kwesitokisitsha esitsha okanye iziqinisekiso. Isikhathi sakho sokugcina esitokisini esitsha okanye ukufumana amasheya kubandakanya ixesha lokubamba isitokethi okanye izithengiso ezithengiswayo. "
Iimpawu ezifanayo okanye ezichanekileyo
Utyalo-mali obini lufana noko ukuba bafana ngokufanayo okanye ukuba "bafana" ngokufanayo. Kulula ukubona xa usebenza nesitokisi esifanayo, isikhwama sokubambisana okanye isibophelelo. Kulukhuni ukuchonga ukuba iziqinisekiso zobutyalo-mali ezimbini zifana kakhulu.
Iingxowa-mali eziphathekayo eziphathekayo ezingaxhomekeke kwiinkcukacha zecandelo leemakethe zingaba zifana ngokufanayo, zixwayisa uKaye Thomas kwiblogi yakhe "Iimpawu eziqinisekisiweyo" kwiFairmark.com. Ngakolunye uhlangothi, iibhondi ezimbini ezikhutshwa ngumniki-mnye onokuthi akunakwenzeka ngokufanayo. Iibhondi ezinemihla eyahlukileyo yokukhula, amazinga omdla okanye ezinye iimpawu ngokuqhelekileyo ayithathwa njengento efanayo. "Ekunqumeni ukuba i-stock okanye i-securities ifana kakhulu," i-IRS ithi, "kufuneka uqwalasele zonke iinkcukacha kunye neemeko kwimeko ethile."
Geza Ukuthengiswa Okubangelwa Ukubuyisela Ukutshalwa Kwemali nge-IRA
Ukuthengisa utyalo-mali kwilahleko kwi-akhawunti ehlawulweyo kunye nokuthenga utsalo-mali olufanayo okanye olufanayo kwi-akhawunti yase-IRA yintengiso yokuhlamba. Olu hlobo lokuthengiselana luya kubangela ukungavunyelwanga ngokusisigxina kwelahleko enkulu kunokuba nje kulandelelwano lomhla.
Indlela Yokugwema Ukuhlamba Iintengiso
Ngokuqhelekileyo, uhlambiso lokuthengisa lugcinwe kangcono xa kunokwenzeka ukuba ugcine inzuzo yerhafu yenkunkuma enkulu. Banokuphetshwa ngokulinda nje ukude ixesha lokuthengisa ixesha eli-61 liphelile ngaphambi kokuthengwa ngokutsha ngokutsha. Ukuba ufuna ukuhlala utyalomali kutyalo-mali olwenziwa ngokufanayo, unokuthenga iziqinisekiso ezifanayo kodwa ezingafani ngokuthe xa kuthelekiswa notyalo-mali oyithengisayo.
Xa ukuhlamba ukuhlamba kunokunceda
Ngamanye amaxesha ukuhlawula ukuthengiswa kungase kube lula. Unokufumanisa ukuba i-capital income yakho iyakuthi ihlawulwe ngokutsha kwerhafu ye-zero-yepesenti, apho ilahleko elilahlekileyo liyakuchoxisa ukuba ukufumana imali eninzi kuya kubangela ukuba kungabikho ukugcinwa kwentlawulo. Ungathengela ngokuqinisekileyo okufanayo okanye okungafaniyo ukukhupha ukulahlekelwa komnye unyaka xa kunokuba luncedo kuwe.