Nciphise umrhumo wakho werhafu ngokudala ibhalansi kunye nokusebenzisa amaqhinga okuhlala kwindawo
Imirhumo yokuKhutshwa kweMicimbi
Xa uhoxisa imali kwi-akhawunti ehlawulwe irhafu, iya kuhlawuliswa njengeniso eliqhelekileyo kunyaka wekhalenda apho uthabatha khona ukurhoxiswa.
Ukuba ufuna imali eyongezelelweyo yekhefu, uthengisa imoto entsha, okanye uncedise ilungu lentsapho, imali engaphezu kwemali ekhutshwayo ingakukhupha kwi- bracket ephezulu . Unokufumana uhlawula ientidi ezingama-25 kwiirhafu okanye ngaphezulu kwidola ngalinye olihoxisayo.
Ukurhoxiswa kuthintela iRhafu yoKhuseleko loLuntu
Ukongezelela kokurhoxiswa kweerhafu ezichaziweyo zerhafu zihlawulwa njengemali engenayo ngokuqhelekileyo, zinokuchaphazela ukuba ingeniso yerhafu yakho yeNhlalakahle yentlalo ihlawuliswa. Ukurhoxiswa ngalunye kunokwenza uninzi lweNgxowa-mali yeNtlalo ngokuxhomekeke kwerhafu .
Kukho umgaqo ocacisa ukuba ubuninzi bakho boKhuseleko loLuntu bahlawuliswa. Enye yeengxenye zeli fomyula ingumlinganiselo "wenye ingeniso" onayo. Ukongezwa kwe-IRA eyongezelelweyo kwandisa inani lemali engenayo, kwaye inokubangela ukuba imali engaphezulu yentlawulo yeNhlalakahle yeNtlalo ihlawulwe.
Abambalwa abadla umhlalaphantsi bafumana ukuhlawula imali engama-40 eentela ngeerhafu nganye ze-IRA zokurhoxiswa ngenxa yokuba i-IRA ihoxise i-IRA yenze ukuba iRhafu yoKhuseleko lweNtlalo ihlawulwe.
Le meko ayikwazi ukuphepha rhoqo kodwa ukuba uceba phambili, unokukwazi ukunciphisa umphumo werhafu ngokulondoloza kwindlela yentlawulo yerhafu.
Ukwakhiwa kweebhakethi zerhafu ezahlukeneyo kunokunciphisa umrhumo wakho wokuhlawula irhafu
Esikhundleni sokubeka yonke imali yakho kwi-akhawunti ehlawulwe irhafu, yakha zombini ii-akhawunti zerhafu emva kokuba zifakwe kwi-akhawunti, kunye ne-akhawunti echazwe ngerhafu.
Sebenza ngeCPA okanye umcwangcisi wokufumana umhlala-phantsi ukuze uqikelele i-bracket yakho yentela emva komhlalaphantsi. Ukuba kuya kuba malunga okanye okuphakamileyo kunoko ngoku, qwalasela i- akhawunti ye-Roth kwingxowa-mali ye-IRA kwaye wenze i- Roth iminikelo kwi-401 (k) okanye 403 (b) isicwangciso (ukuba isicwangciso sivumela le nto).
Njengoko usondele kumhlalaphantsi, kuya kuba kubalulekile ukuba ube ne-balance tax tax emva kokuhlawula irhafu . Nangona ukhankanywe ngasentla ezinye izihlomelo ngoku, ngokucwangcisa kwangaphambili uza kudala ukuguquguquka kwezemali ezinokuba luncedo xa usuhlala phantsi.
Sebenzisa izicwangciso zendawo ye-asethi ukugcina ngaphezulu
Njengoko uwakha i-akhawunti ehlawulwe irhafu kunye ne-after-tax tax (into endiyibhalela "njenge-akhawunti engekho phantsi yomhlalaphantsi" leyo ingaba yi-akhawunti ye-brokerage okanye i-akhawunti yecala engabonwanga njenge-IRA), ungasebenzisa amaqhinga okuhlala kwindawo isicwangciso sakho sinobuchule obuninzi bentela!
Indawo ye-asethi yinkqubo yokukhetha ngokukhethekileyo "ukufumana" inzuzo ephakamileyo, i-asethi ephezulu yokuvelisa iifom ngaphakathi kwee-akhawunti ezichasiweyo zerhafu, nokubeka utyalo-mali ophantsi owenza igalelo elifanelekileyo kunye neenzuzo ezide kwixesha elide kuma-akhawunti akho engekho phantsi komhlala phantsi apho ufumana i-1099 ngonyaka nganye.
Ngokufumana izinto ezinengqiqo, utyalo-mali ofana nezibophelelo ezihlawuliswayo (ezivelisa inzala engenayo) kunye neengxowa-mali ezincinci ze-stock stock (ezinobuchule obuphezulu kunye nokwenza i-short term gain) zingakraba le ntlawulo yengeniso-mali ngaphakathi kwee-akhawunti ezihlawulwe irhafu apho uhlawula khona akukho rhafu de ukurhoxisa iimali-kungakhathaliseki ukuba ngumsebenzi ongenayo uphuhliso lwentengo-mali.
Izibonelelo ezinempumelelo zentlawulo ezinjengeengxowa -mali ezilawulwa ngerhafu, iimali ezinkulu zeempahla zentengo, kunye neengxowa-mali zengeniso ye-dividend zingafumaneka kwii-akhawunti zakho ezingekho phantsi komhlala-phantsi apho ungasebenzisa ithuba lokuhlawula irhafu elisezantsi elisebenza kwizilungelo ezifanelekileyo kunye neenzuzo ezide.
Ukuba ezi zibamba ezifanayo ziphantsi kwee-akhawunti zakho zomhlala-phantsi iimali ezifanelekileyo kunye nokuzuza kwexesha elide ziya kugqitywa ukuhlawulwa kwerhafu yengeniso ephezulu ephezulu. ugcine umgca wenkxaso yengeniso efana negalelo okanye inzuzo enkulu.
Okukwintsusa
Imirhumo. Ngokudala ibhalansi yee-akhawunti ezizaliswe ngerhafu kunye ne-after-tax tax, kunye nokufumana ukugcinwa kwetyala ngaphakathi kule akhawunti ngeendlela eziphumelelayo zerhafu, unako ukugcina amawaka amaninzi kwerhafu ngexesha lakho lotyalo-mali.