Ukuba usebenza nomcebisi wezemali , kufuneka akwazi ukuchazela ngokufutshane iinkcukacha zentlawulo kuwe, kodwa kusekho uxanduva lwakho ukuba ube nephepha elifanelekileyo ngesandla kwaye uzifundise kwiirhafu ezifunekayo.
Ukuba usebenzisa isitifiketi sokuthengiswa kwe-intanethi, kufuneka ugcine zonke iirisithi zokuthenga kunye nokuthengiswa kwee-stocks. Khumbula, kuhlale kukulungele ukulungiselela ukufika kwerhafu yonyaka .
Ngezantsi, okokufuneka ukwazi malunga nokuba ukuthengisa izitokisi kunokuchaphazela njani umrhumo wakho werhafu.
Intlawulo yeNgeniso yeMali
Xa uthengisa izitokisi zakho, uhlawula irhafu kwenzeniso oyenzileyo. Ngoko, uyasusa oko ekuqaleni uthenge isitokethi malunga nokuba uthengise kangakanani. Leyo yinzuzo yakho enkulu . (Ukuqwalasela: Ukuzuza kweenkunzi akusebenzi nje kwiimpahla zentengiso. Ungakwazi ukufumana inzuzo enkulu kwi-real estate, ubugcisa, amakhadi e-baseball, njl.
Ukuba ufumene inzuzo eyinzuzo, uza kuba noxanduva lokuhlawula irhafu kuloo nombolo. Nantsi indlela irejista ibalwa ngayo: Ukuba unayo isitokethi engaphantsi konyaka ngaphambi kokuba uyithengise, kuthathwa njenge- short-term gain and you will be taxed on it as the same rate as your income . Ngoko ke, isantya serhafu kule nto ixhomekeke kwibhanki yakho engenayo kunye nereyithi yentlawulo ehambelanayo.
Ukuba unempahla yesithuba esingaphezu konyaka, kuthathwa njengenzuzo yexesha elide, kwaye uhlawulwa intela ephantsi, kuxhomekeke kwibhanki yakho engenayo. Abo ba-10% kunye ne-15% bahlawula i-0%; abo bangama-25% ukuya kwi-35% bahlawula i-15%; kwaye abo bakwi-39.6% yebhasiksi yentela bahlawula i-20% kwiirhafu zentengo. Abo baxhasi be-10% kunye ne-15% bahlawula i-0% kwerhafu yengeniso yexesha elide; abo bakwi-25% ukuya kwi-35% yabakaki berhafu bahlawula i-15%; kwaye abo bakwi-39.6% ephezulu yokuhlawula irhafu bahlawula i-20%.
Kwakhona khumbula ukuba nangona awuzange uthengise nayiphi na i-stocks kulo nyaka, ukuba ufumene inzala okanye igalelo kwiibhanki zakho, iibhondi, iimali ezidibeneyo, okanye i-index index , uza kuba noxanduva lokuhlawula irhafu kuloo mivuzo.
Ukubika Ukulahleka Kwemali
Ukuba inani alibi, ke ubika ilahleko enkulu. Unokufaka isicelo sokulahlekelwa kwemali yentlawulo kwiintlawulo zakho ukwenzela ukuba uhlawule umvuzo wakho ohlawulwa irhafu kuloo nyaka. Ungasebenzisa kwakhona ilahleko eziphambili zokunceda ukucima nayiphi na i-short-term gains you have for that year, emva koko i-long-capital gains . Unokuziphathela ukuba ulandele iminyaka. Nangona kunjalo, qiniseka ukuba udibanise nomgcini-akhawunti ngeendlela zokubakho ukulahlekelwa ngokutsha kwelahleko, njengoko ingaba yinkqubo enokudideka.
Ngamanye amaxesha, kubulumko ukuthabatha ilahleko enkulu kwi-investment ukukunceda ukuphuhlisa i-capital capital enyakeni ngaloo nyaka.
Ukulindela Unyaka ukuThengisa i-Stock iLawula iRhafu yakho
Ukuba uzama ukunciphisa ixabiso leerhafu ozihlawula ngayo utyalo-mali, kungcono ukulinda unyaka ngaphambi kokuba uthengise amasheya, kuba ukuzuza kwexesha elide kuhlawulwa intela ephantsi. Oku kunokunciphisa umthwalo wakho werhafu ngelixa uvumela ukuba uzuze kwiimpahla zakho.
Njengoko uthengisa izitokisi zakho, kubalulekile ukubeka eceleni imali eyongezelelweyo oyifunayo ukuze uhlawule umrhumo wakho werhafu.
Unokumisela nje umrhumo owenziwe ngumlinganiselo wakho werhafu. Ukuba bekungekho ngaphantsi konyaka, kuya kufuneka ubeke eceleni ipesenti ehlawulwa irhafu kwi-bracket yakho yentela. Kubalulekile ukukhumbula ukuba ibhakhti yakho yerhafu ingakhuphuka ngokusekelwe kwiimali zentengo yemakethe yakho, ke gcina oku engqondweni.
Gcina iiRekhodi eziKhathaleleyo zokuthenga kwakho kweSitolo
Kuhlala kubalulekile ukugcina iirekodi zokuthenga kwakho kwee-stocks ukwenzela ukuba unokuzibiza ngokuchanekileyo kwiirhafu. Gcina ikopi yokuthenga kwangaphambili, kunye nentengo yentengiso nganye yeesitokisi zakho. Umgcini-akhawunti wakho unokukunceda ubone ukuba ungayilahla njani ilahleko kunye neenzuzo ngendlela engcono kakhulu.
Funa UluNcedo lwezakhono
Ukuba unomdla malunga neemeko zakho zerhafu kunye nokuba uza kuhlawulwa malini ngo-Ephreli, ngoko unokucinga ukuqesha umqeshi we-akhawunti.
Umgcini-akhawunti akanakunceda kuphela ukuba ubone indlela engcono yokunciphisa i-bill yakho yerhafu, kodwa inokukunceda ukuba uqonde ukuba yeyiphi i- bill tax expected , ukuze ukwazi ukucwangcisa kakuhle imali.
Ukuhlaziywa nguRachel Morgan Cautero .