NdiDecember. Wakagadzirira Kuchinja Mari Yako Yokubhadhara?
Kutarirwa Kwemitero Mazano Egore 2017
Iva nechokwadi kuti iwe unonzwisisa kuti mutero wekutengesa kana zvikwereti zvinoshanda kune mari yaunowana iwe usati wazvitengesa chero upi zvayo. Iyi mitero inotevera inoshanda muna 2017:
- Inowanzobhadhara mitero yegore ra2017 ine nhamba yepamusoro ye 39.6 muzana yevanonyanya kuwana.
- Nguva yakareba yemari inowanikwa inobhadhara mutero wepamusoro wezana 20 muzana. Kune zvikamu zvitatu zvemazuva ekupedzisira zvinowanikwa mutengo wematero: 0%, 15 muzana, uye 20 muzana. Iko-20 muzana yepamusoro purogiramu inoshanda kune avo vari mune 39.6 muzana mutero bhatikiti.
- Zvikwereti zvinokodzera zvakabhadharwa panguva yakareba yemari inowanikwa mutero.
- Mari yekubhadhara mari ichave ichitungamirirwa nemutero wemari yekubhadhara mutero pamwero we 3.8 muzana kubva muna 2017. Izvi zvinokonzerwa nehuwandu hwekutsvaga mari inobata vanhu vakashandura mari yakawanda kudarika $ 200 000 kana vasina kuroora kana kuti vanodarika madhora 250 000 kune vakaroorana.
Kubatanidza huwandu hunobudirira mutero wemari uye mari yekutengesa mari yemutero kana NIIT, vatengesi vanogona kutarisana nemari yepamusoro yehuwandu hwe 23.8 muzana pane zvenguva refu yekuwana uye zvikwereti zvakakodzera.
Ndiyo 20 muzana yemutero wemari pamwe ne 3.8 muzana yeNIIT. Kusiyana neizvi, kuwanikwa kwenguva pfupi, zvisingabatsiri zvikwereti, uye chikwereti chinogona kubhadharwa sepamusoro sa 43.4 muzana. Ndiyo mitero yepamusoro yemutero we 39.6 muzana uye 3.8 muzana yeNIIT.
Chengetedza Mari Yako Inoshandiswa Mamiriro Ekutaura Zvirongwa
Brokerage firms yakatanga kutaurira mari yezvikwereti zvekutsvaga kwezvibereko kune IRS, uyewo kune vanoita nyaya, paFomu 1099-B muna 2011.
Nhepfenyuro yehupfumi yemari yakadhindwa yakawedzerwa kune mutual fund share and stocks inotengwa kuburikidza nepurogiramu yekugoverwa kwekugoverwa muna 2012. Muna 2013, zvisungo zvitsva, zvinyorwa, zvigadzirwa uye zvigadziriswa zvakaputirwa pasi pekubhadharwa kwezvakanyorwa zvinodiwa.
Vashandi vanofanirwa kuongororai maitiro avo emari ekugoverwa kunowanikwa pane webhutiti ravo. Iwe unogona kushandisa kushandisa nzira yakasiyana pane iyo broker isingashandisi nzira. Enzanisa nhaurirano yemutengi wako kune zvinyorwa zvako kuti uone kuti une nheyo dzose dzedambudziko raunoda kuti ugadzirire mutero wako wekudzokera.
Funga nezvekudzoka kwezvekugarisa kwePodfolio yako nerudzi rweMutero
Kuita mari inowedzera mari yakawanda inogona kuwedzera zviri nani mukati mezvirongwa zvakarongerwa mitero, uye mari inotora nguva yakareba inogona kuwedzera mitezo yakakwana yemitero yakabhadharwa. Izvi zvinokonzerwa nemitengo yepamusoro inoshandiswa kune inowanikwa kwenguva yakareba uye inhengo yekambani yemutero inonzi asset kuiswa.
Kutengesa Kurasikirwa Kurairwa Kwemari
Iyi nzira inokurumidza kukanganisa kurasikirwa mukati megore razvino. Kurasikirwa kweguta guru kunogona kukanganisa zvikwereti zvese zvinowanikwa. Kana iwe uine kurasikirwa kwematare kwegore, kusvika ku $ 3,000 zvekurasikirwa uku kunogona kushandiswa kugadzirisa mamwe mari yako kubva muna 2017. Kurasikirwa kwemari chero ipi zvayo kudarika chikamu chegore negore kunogona kuendeswa kune gore rakatevera.
Kana iwe uchidzikinura utsinho uhwo mukati memazuva makumi matatu mushure mekunge kana mushure mokutengesa kushandiswa kwekurasikirwa, zvakadaro, kurasikirwa kwako kuchasunungurwa pakarepo pasi pekutengeswa kwekutengesa mutemo.
Kutengesa Kunowanikwa Mukutsvaga Mari
Iyi nzira inokurumidza kuwedzera mari kune gore razvino uye inofanirwa apo mutyairi anotarisira kuti mutero wake muhuwandu wegore ranhasi uve wakaderera kupfuura mutero wekuteresa mugore rakatevera. Vashandi vanogonawo kutengesa nzvimbo dzinobatsira kuti vawane kukanganisa kwemari kutakurwa kubva kumakore apfuura. Kunyorera kwechirongwa ichi ndechokuti kukurumidza kuwana mari inowedzerawo kutengesa mutero. Vashandi vemu 10-percent uye 15-muzana mabhikiti ematare vangada kufunga nezvekutengesa kubhadhara mari yakareba kwenguva yakareba kuti ivhare muzero yezana yehuta mutengo kune mari inowanikwa. Vashandi vari mu 39.6-muzana mutero bhati vangada kufunga nezvekukanganisa kwema20-muzana kwenguva yakareba yekutengesa mutero uye ye 3.8-peresita yakasara vasati vasarudza kutengesa.
Pairing Kurasikirwa Nezvipo
Iyi nzira inobvumira vatengesi kubvisa zvigaro kubva mune zvimwe zvikwereti nekurasika kubva kune vamwe. Iko inozivikanwa sekurashikirwa kukohwa uye chinangwa ndechokuedza kuderedza kushandiswa kwemutengo wose wekutengesa zvikwereti pane purogiramu pamwe chete kutengesa zvikwereti nekurasikirwa. Iyi ndiyo nzira yakasanganiswa inokurumidza kupedzisa mari uye inokurumidza kurasa kurasikirwa kuti iite duku kudarika mitero inokwanisika mumwaka uno. Nzira iyi haingoratidzi kuderedza kuwanikwa kwematare zvichienderana nemutero wemari, asi inowedzerawo mari inowanikwa mumatare zvichienderana ne 3.8-pfumbamwe yemari yekubhadhara mutero.
Kusarura Kurasikirwa Kusvikira Gore Rinotevera
Vanowanzobhadhara vanowanzozviwanika ivo vane chiremera chekutadza kurasikirwa mune zvekutsvaga mari nokuti kero yemitero kakatova negadziriro yekutakura kurasikirwa kwemari yakawanda mune ramangwana gore. Nguva yekutengesa zvikwereti zvisingabatsiri zvinogona kutungamirirwa nehutano hwako hwekutsvaga panzvimbo pekufungisa mutero.
Kusiyanisa Zvipo Kusvikira Gore Rinotevera
Kuramba uchitengesa kubhadhara mari inobatsira kunogona kuita zvinhu zviviri: Zvinoshandura mari yacho kune rimwe gore, uye iwe unogona kukwanisa kurega iyo yakareba kwenguva yakareba kuti uve nemari inowanikwa paanosarudza nguva yakareba inowanikwa kubudirira pane kuti ive pfupi -chenda inowanikwa pamitero inowanikwa musero. Iko-nguva yakawanda inowanikwa ndeyeiyo inowanikwa kubva mumari yawakachengetedza kwemakore anopfuura. Kusiyanisa mari kunogona kuunza mushomanana mutero kune vateresi vanotarisira kuderera kukuru mumari yavo inouya gore rinouya nokuti vateresi vari 10-muzana uye 15-percent mubhakiti ematare vane 0-percent purogiramu yakareba kwenguva refu.
Kurapa Kwemitero Nekurasikirwa Kwemari Kutora Carryovers
Vashandi vanogona kushandisa mari yavo yekurasikirwa kwemari kuti varambidze mari inowanikwa. Kurasikirwa kweguta rinokonzerwa nemapurisa kuchava kunyanya kukosha kune vanhu vane mari yepamusoro yevanowana mari vari pasi pekusara kwemari yekubhadhara mutero. Vashandi vangave vachida kuongorora kubatsirwa kwekusiya zvimwe zvikwereti kwemakore akazotevera vachifananidzwa nesarudzo apo kurasikirwa kunowanikwa nokukurumidza sezvinobvira.