Mitero paInvestment Inowanikwa
Pakati pavatatu, mutero uyu uri nyore kunzwisisa. Kuda mari iyo mari yezvisungo inogamuchira kubva kumari yavo yekubhadhara uye kubhadhara kune vashandi vanobatwa semari yekuwana mari uye inotengesa ku federal nehurumende.
Kune zvidimbu zviviri zvinokosha kune mutemo uyu. Chokutanga, kufarira kubva kuUnited States inoshandiswa mune mari pamwe chete inogona kusunungurwa kubva kune mvumo yehurumende. Chechipiri, kufarira kubva kumabhangi emabhishopi ehurumende kunogona kunge isingabhadhara mutero wehurumende uye, kana mari inobhadharwa nehurumende yakabudiswa nehurumende yekugara, inogona kunge isingabhadhara mitero yenyika pamwe chete. Kuti uwane zvinyorwa zvemunhu wega, chengetedza prospectus kana kutumidza kambani yekubudisa mari kuti uone kuti unoziva chauri kuwana.
Capital Gains Inowanikwa Rimwe Chete Kare Gore
Munharaunda yegore negore, mari inotengeswa inotenga uye inotengesa zvikwereti, dzimwe nguva ine pfuma uye dzimwe nguva nekurasikirwa. Kana zvikomborero zvikapfuura kurasikirwa, mugumisiro inowanikwa muhomwe. Iyi pfuma inobhadharwa kune vagovani vekugovera nenzira yekupararira, kazhinji pamagumo egore asi dzimwe nguva pane dzimwe nhuwo gore rose. Iko mari yegoverwa yemari inoshandiswa kugadzirirwa pasi kune iyo nhoroondo yekuwana mari yekugovera.
Kune marudzi maviri emari inowanikwa: pfupi-nguva (nokuda kwekuchengetedzwa kwakaitwa zvishoma pasi pegore) uye kwenguva refu (kune avo vanobatanidzwa kupfuura gore).
Funga nezvemuenzaniso uyu wekuti mari inowanikwa sei. ABC Fund, iyo ine $ 10.00 yenhamba yemari yakasvibiswa pakutanga kwegore, inotenga zvisungo zviviri. Rimwe nerimwe rinomuka ne10% mumutengo.
Mari iyo inobata chisungo chokutanga kuburikidza nokupera kwegore, asi inotengesa yechipiri. Pakupera kwegore, chikamu chemari yacho chikamu chinokwana $ 11.00 (kuratidza kuwana 10% yekubata kwayo). Zvisinei, hafu yemari iyo $ 1 yakawanikwa (kuburikidza nokutengeswa kwechisungo chechipiri) uye, naizvozvo, inotengesa. Mari iyo inopa chikamu chemazana makumi mashanu kubva pamakumi mashanu kubva kuhuwandu hwekuwana, uye mubhadhari anofanira kubhadhara mutero wemari inowanikwa (munyaya ino, yezvakagadzirwa kwenguva pfupi). Iko mari yegoverwa yemari inodonha kusvika pa $ 10.50 kuratidza kupararira kwemazana makumi mashanu.
Imari Yenheyo Inowanikwa Kana Chikwere Chikatengeswa
Kubhadhara mitero miviri inotaurwa pamusoro apa inotarisira zvinodiwa nemudzimai mune rimwe gore rekarenda. Asi ichiri nenyaya yekusara kwe50-cent muhomwe yeko mari kubva pamuenzaniso uri pamusoro apa. Iyi ndiyo pfuma inoramba yakabatanidzwa muhomwe yemugove wemari, uye kuti mutyairi achada kubhadhara pakutengeswa kwemari.
Nokuda kwekuita nyore, ngatiti ABC Fund haigoni kuwedzera mamwe mabasa asi maviri akarondedzerwa muchikamu chekare. Mutevedzeri anotengesa chikwereti munaFebruary wegore mushure mekutenga kwake kutanga kwe $ 10.50 chikamu. Kubvira sezvo mutengesi akatanga kubhadhara madhora gumi nemazana matanhatu, masasa makumi mashanu emadhora anoshandiswawo semari inowanikwa muhomwe (munyaya iyi, nguva yakareba yekuwana mari sezvo chikwereti chakachengeterwa kwegore rinopfuura).
Mhedziso
Nzira yakareruka yekufunga nezvenyaya iyi ndeyekuti chero nguva iwe uine mari mune imwe mari, iwe unofanirwa kubhadhara mutero. Inogona kunge iri pamagumo egore rekare, kana inogona kunge iwe paunotengesa chikwama ichi, asi Uncle Sam achabvisa muchero wake pakupedzisira.
Izvi hazvirevi kuti haugone kushanda kuti kuderedza mitero yako, zvisinei. Kuti udzidze nzira dzekuderedza mitero yako yemutero, ona Maitiro ekuderedza Mitero pa Mutual Funds: 10 Nzira dzekuderedza Mutero Wenyu Wekubhadhara .
Zvinonzwisisika : Nguva dzose bvunza nyanzvi yezvemitero musati maita zvisarudzo zvekutsvaga.