Kushandisa Rollover yeBusiness Startups (ROBS) kuti Uwane Mari Yako Bhizimisi

Kudyidzana kwekubhadhara kwakagara kuchiita basa guru mubhizinesi duku 'kubudirira. Zvisinei, sezvo vashandi vekutsvaga uye kutora zvikwereti zvinoratidzika seChena Grail pane dzimwe nguva, vashandi vezvemabhizimisi vachitsvaga mamwe maitiro ekubhadhara asingakwikwi sezvo mabhizinesi avo anobvisa uye achikura. Chimwe chezvinhu izvi zvimwe zvekubhadhara mari ndiyo Rollover yeBusiness Startups kana ROBS. Muchidimbu, ROBS inobvumira vashandi vebhizimisi kutamisa $ 50 000 kana kupfuura kubva pamagadzirirwo avo ekurega basa kumakambani avo semari inoshandiswa.

Sezvo nechinangwa chipi nechipi chekutengesa maitiro, ROBS dzine zvigaro uye zvisingabatsiri, saka kana iwe uchida kushandisa iko sechikonzero chekubhadhara mari, zvakakosha kunzwisisa zvakadzama uye maitiro avanoita. Chirongwa chimwe nechimwe cheROBS chakasiyana, uye chingava nezvinodiwa izvo zvinokuvadza zvakanyanya kupfuura kubatsira.

Kubva kurongwa kweROBS Kunogona Kubatsira Bhizinesi Rako

Hapana ruzivo rwekutsvaga mari inofanira kutorwa zvishoma, kunyanya imwe inosanganisira kushandisa mari yakanyatsotarirwa pamusana pokurega kwako. Asi zviri nyore kuona kuti nei vamwe vezvemabhizimisi vachida kushandisa zvakanakira chirongwa cheROBS kuti vabatsire kuchengetedza bhizinesi ravo uye ramangwana ravo.

Chimwe chezvikomborero zvikuru zveurongwa ndechekuti sezvo maROBs asingatarisirwi chikwereti kubva kune 401k kana IRA yako, haafaniri kubhadharwa. Uyezve, hapana chirango chekutanga kubvisa kana mitero inofanirwa kubhadharwa sezvaunenge uchida nemari yemari pakurambidza zvirongwa zvekurega basa.

Kunyange zvazvo kunonzi Rollover For Business Startups, purogiramu haisi kureva mabhizimisi matsva.

Vanhu vanoenda-gotters vanogona kushandisa ROBS kumabhizimisi avo akasimudzirwa, franchise kana bhizinesi rakatangwa nomumwe muzvinabhizimisi. Nemhaka yokuti uri kuisa mari yako yekusarirwa kupinda mukambani yako sekutsvaga, purozi ipi zvayo bhizimisi rako rinoita rinogona kudzorerwa kumutambo wako wekusabhadhara mutero usingabhadhari.

Nokuti purogiramu haisi chikwereti kubva kubhangi kana boka rekutsvaga, vhizimisi vebhizimisi vachishandisa ROBS havafaniri kutarisana nekudzvinyirirwa kwekuedza kuita kuti vashandi vavo vabudirire mune zvemari asiwo vachibhadhara nehuwandu hwezvikwereti kune vanokweretesa. Somugumisiro, vazhinji vezvemabhizimisi vanobhadhara kutanga kwavo neROBS mari yekuona mari inogona kubudirira kubudirira kuburikidza nepamusoro kwepamusoro uye pangozi shoma inokonzerwa nekuchinja kwemashamba.

Izvo chirongwa cheROBS chinogona kukukuvadza iwe

Pasinei nehuwandu hwahwo hwakakosha, ROBS inowanzouya nehupenyu hwavo hwezvipingamupinyi zvakare. Chinhu chinonyanya kukosha, kana kuti, uri kutumira mari kubva kubasa rako rekuchengetera mari yausingazokwanisi kudzoka kana bhizinesi rako richikundikana. Zvichida mamiriro ezvinhu akaipisisa, iwe zvino unofanira kutarisana nemari shoma yekubata kwako kwemakore uye kushaya kwebhizimisi yakanga isiri mari yakagadzikana.

Kuti ushandise hurongwa hweROBS yekambani yako, iwe haufaniri kunge uine $ 50 000 mubhadharo yako yekusimudza kuti uende kune yebhizinesi rako, asi basa rako rinofanirawo kuiswa seC corporation. Izvi zvingatora humwe huwandu hwezvekugadzirisa zvakare kana iwe ikozvino unoshanda sekutengeserana chete kana LLC. Uye mukuita kudaro, zvingave zvisingave sarudzo yakarurama kwauri maererano nemitemo yekusungirirwa uye mutero.

Iwe chete iwe unogona kuona kana sangano rezve raizove rakakosha dambudziko kana ukasarudza kutevera chirongwa cheROBS.

Uyezve, kana iwe uri muzvinabhizimisi ane rushomanana rwekuwanika kwemari, mari yekunyora muurongwa hweROBS inogona kunge yakarambidzwa kana iwe usina mari yekubhadhara mari. Semuenzaniso, vanhu vanozivikanwa neROBS Vanotungamirira uye Vanetrends Mari inoshandiswa mari inosvika $ 5,000 kuti vabatsire pakugadzira ROBS. Iyi mitero inotarisirwa usati wasarudza urongwa, uye naizvozvo kubhadhara kwekutsvaga kubva kubhuku rako rekubvisa mari hakugone kushandiswa.

5 Matanho ekugadzirisa ROBS yeBhizinesi Rako

Kushandisa ROBS kubhadhara bhazinesi yako duku kungaratidzika sekutyisa, asi nekutungamira nekutsvakurudza, iwe unogona kuitevera sechikonzero chekutsvaga mari muzvikamu zvishanu nyore. Zvakakosha kuziva kuti vashandi vebhizimisi vanogona kungoshandisa mamwe maitiro ekurasikirwa kwemararamiro eROBS.

IRAs yemasikirwo uye mapurogiramu 401k ndiyo inowanzoshandiswa yakawanda yakagadzirirwa rollover, asi nhamo, Roth IRAs hazvibvumirwi.

1. Neurongwa hwekubvisa mari yako huripo, danho rokutanga nderokusimbisa bhizinesi rako seC C corporation. AC corporation ichabatanidza bhodhi revatungamiri uye vagoveri vane mazano ekushanda kwekambani.
2. Pasi pemugadziro mutsva, tanga chirongwa che 401k yebhizimisi rako.
3. Nekubatsirwa kwegweta kana mutengi weROBS, shandisa purogiramu yako yekusarura mari iripo mune bhizimisi idzva 401k.
4. Shandisa mari ikozvino yadzoswa mubhizimisi rako 401k urongwa hwokutenga kambani yekuchengetwa muC corporation yako ichangobva kuumbwa.
5. Mari kubva kutengeswa kwekambani yako yekambani ikozvino inogona kushandiswa semari yekutsvaga mubhizinesi rako.

Zvichipa zvikwereti pamusoro pezvikwereti zvemabhizimisi maduku uye 401k zvikwereti, vatengesi vanoshandisa hurongwa hweROBS vanogona kuona kuti nei zvichigona kunge zviri nani pane bhizinesi ravo. Zvisinei, zvakakosha kukurukura zvose zvaunogona kuita nekambani yako yekambani kana muongorori wemutero kuti aone kana zvikamu zvishoma zvisingabatsiri zvekubhadhara zvakakodzera kuongorora kutanga.

Mushure mokuongorora zvese zvinowanikwa kuwedzera mari, pamwe chete nezvakanakira uye zvisingabatsiri kune umwe neumwe, chete ipapo iwe uchagadzirira kuziva kana chirongwa cheROBS ndiyo nzira yakanakisisa yekuita.