Qinisekisa ukuba ulungele xa ufaka iirhafu zakho , njengoko unokufuna ukuhlawula irhafu malunga notyalo-mali. Ngezantsi, i-rockund of what you should expect from this season of tax if you have investments.
Ukuba uthenga okanye uthengisa imali yakho
Abaninzi bethu bayazi ukuba xa uthengisa utyalo-mali lwakho ngenzuzo, uya kufuneka ukhokhe irhafu kuloo mali. Oku kubizwa ngokuba yinzuzo enkulu . Ukuzuza kweentengo zihlawulwe kwiirhafu ezahlukeneyo, kuxhomekeka ukuba ngaba kuthathwa njengexesha elifutshane okanye ukuhlala ixesha elide.
Utyalo-mali olutshanje lunye owalubamba ngaphantsi komnyaka omnye kwaye uhlawuliswa kwizinga eliqhelekileyo lentlawulo ye-35%. Ngakolunye uhlangothi, utyalo-mali olude ixesha elide lugcinwe ixesha elide ngaphezu konyaka omnye kwaye uhlawulwa irhafu kwi-15%.
Ukuba ulahlekelwa yimali kutyalo-mali lwakho, oku kubizwa ngokuba yilahleko enkulu . Oku kudlala kwiirhafu. Ngokukodwa, unokuyithatha imali olahlekileyo kwi-investment evela kwi-capital gain yakho ukuze uhlawule ixesha elingaphezulu lokuhlawula irhafu.
Ukuhlawula iintlawulo kwiiMboleko zakho kunye nomdla
Nangona ungathengisi nayiphi na imali ekutyala ngayo, mhlawumbi uya kuba neerhafu zerhafu. Ngokomzekelo, ukuba unemasheya, i-fund efanayo, okanye i-index index, unokufumana iintlawulo zexesha elivela kwile nkampani, ebizwa ngokuba yi- dividend , oza kufuneka uyihlawule irhafu.
Ukongezelela, ukuba unobungozi kwaye ufumana inzala kubo, kuya kufuneka uhlawule irhafu kuloo nto. Ezi zihluka ngohlobo lwendibophelelo onayo. Ukuba unayo imali , uya kuba noxanduva lokuhlawula iirhafu kuwo nawaphi na amaxabiso azuziweyo. Kuya kufuneka uhlawule irhafu ukuba uthengise nayiphi na isabelo seengxowa-mali.
Nangona kunjalo, akufanele uhlawule irhafu kwiintlawulo ezenziwa ngabaphathi beengxowa-mali.
Cwangcisa ukuba ikwazi ukuhlawula
Unokulungisa utshintsho lwakho njengoko ufumene igalelo, inzuzo eyinkunzi, kunye nomdla kwi-portfoliyo yakho yotyalomali. Oku kufuneka kukuncedise ukunciphisa umrhumo wakho werhafu.
Enye inketho kukubeka eceleni imali oya kuhlawulwa ngayo kwiirhafu kwizabelo, inzala kunye neenzuzo ezinkulu ngaphandle kokuba uzuza.
Ngokomzekelo, ukuba isantya sakho serhafu silinganiselwa kuma-25%, unako ukubeka isigxina saloo nayiphi na imali eyimali oyifumene kwii-short-term holdings ukuze uhlawule irhafu yakho kunyaka olandelayo.
Unokuthetha kunye nomgcini-akhawunti wakho malunga nendlela efanelekileyo yokulungiselela ilanga lezorhafu ukuba unayo iphothifoliyo yokutshala imali , ngoko unokulungele ukuhlawula umrhumo wakho werhafu-kwaye unamathele kubhajethi yakho yenyanga .
Iingcebiso Ezikhawulezayo zokuThumela iintlawulo
Xa ixesha lokufakela irhafu yakho , kufuneka ufumane ifom ye-1099-DIV evela kwinkampani nganye okanye kwingxowa-mali eyithumele igalelo. Uzakufumana ifom ye-1099-B ukusuka kwi-brokerage yakho yotyalomali ebonisa i-capital income yakho kuloo nyaka.
Ukuba ufaka kunye nomgcini-mali, qiniseka ukuba ulungelelanise kwaye umnike zonke iifom ozifumene kulo nyaka werhafu, kwaye ulindele.
Kunceda ukuba uluhlu lokutshekisha kuzo zonke iifom ukuqinisekisa ukuba ufumene yonke into oyifunayo ukuzalisa irhafu yakho.
Buza umcebisi-mali okanye umcebisi wezezimali
Imeko nganye iyahluka ngokuxhomekeke kwinani lokutshala imali yakho, ingeniso yakho yangoku kunye nezinye izinto ezibandakanya iimali zakho. Kubalulekile ukubonisana nomcebisi wakho we-akhawunti kunye nomcebisi wezezimali malunga nokuba ufuna ukugcina ukuhlawula irhafu yonyaka.
Ukuba uqale utyalo-mali , oko ufumanayo akunako okwaneleyo ukuba ube nefuthe elikhulu kumlinganiselo omele uhlawule ngawo ngonyaka. Nangona kunjalo, njengoko utyalo-mali lwakho lukhula, ngokunjalo iza irhafu yakho, kwaye kufuneka ulungele ukujongana neenguqulelo.
Kwiimeko ezininzi, utshintsho luya kufutshane, kwaye kufuneka ulungelelanise njengoko umthwalo wakho werhafu ukwanda. Xa ufinyelela kwindawo apho ufumana imali ebalulekileyo kwimali-mali ngamnye kunyaka, kukulungele ukuqesha i-akhawunti yomncedisi ukukunceda ukuba ufikelele kwisicwangciso serhafu esisebenzayo.
Zama Ezi Mothutho Zentengo-mali
Kalokunje ukuba sifikelele ukuhlawula irhafu kwiityalo-mali ezifana neengxelo zengxowa-mali, imali kunye kunye namasheya, kusenokuba ixesha lokusebenzisa i-akhawunti ye-investment-free. Imizekelo ibandakanya:
Ukuhlaziywa nguRachel Morgan Cautero.