Pepa Rokushanda 1. Nhepfenyuro Yakawanda Inowanikwa Mazano Okutanga
Nhepfenyuro inowanikwa muhomwe yepaji yebasa reZXYZ | |||||||||||
# shares | Zuva Rakatengwa | Tenga Mutengo | Commission | Gwaro reMari | # shares | Zuva Rakatengeswa | Vengai Mutengo | Commission | Kuwana / Kurasikirwa | ||
100 | 01/03/15 | 1200 | 25 | 1225 | 100 | 01/10/16 | 1400 | 25 | 150 | ||
Mumuenzaniso uyu, tiri kuronga zvidimbu zviviri zvekutsvaga dheta. Tine chiitiko chimwe chete apo zvikamu zana zvezvitoro zveXYZ zvakatengwa; uye chikamu chechipiri apo zvikamu zana zvezvitoro zveXYZ zvakatengeswa. Mumuenzaniso uyu, hapana humwe hutengo hwekutengesa kana kutengesa. Saka zviri nyore kuti tienzane nekutengeswa nekutenga. Isu tinoronga deta, iyo inobva kumabhuku kana zvinyorwa zvinowanikwa nekambani yekudhinda. Uyezve muhurukuro yekupedzisira, tinoverenga kuwanikwa kana kurasikirwa. Pano, pfuma yakaenzana yakaenzana nekutengesa mutengo kuderedza mutengo wekutenga kuderedza komiti yekutenga kunze kwekutengeswa komisheni = 1400 - 1200 - 25 - 25 = 150. Munhu akaita purogiramu (pfuma) yemadhora makumi maviri nemashanu pamari iyi.
Iye zvino ngativei tifambe kune imwe nyaya yakaoma. Pano, isu tiri kuronga dambudziko kubva kune zvakawanda kutenga zvekutengesa.
Pepa Rokushandira 2. Pepa Rokushandisa Rinokosha: Kuwanda Kwezvinhu
Nhepfenyuro inowanikwa muhomwe yepaji yebasa reZXYZ | |||||||||||
# shares | Zuva Rakatengwa | Tenga Mutengo | Commission | Gwaro reMari | # shares | Zuva Rakatengeswa | Vengai Mutengo | Commission | Kuwana / Kurasikirwa | ||
100 | 01/03/15 | 1200 | 25 | 1225 | 150 | 01/10/16 | 2100 | 25 | |||
100 | 02/03/15 | 1225 | 25 | 1250 | |||||||
Cherechedza isu takasiya pfuma yekurasikirwa / kurashikirwa isina chinhu ikozvino. Kuwana kana kurasikirwa ndizvo izvo zvatiri kuedza kuzviona. Chii chatinocherechedza pano? Uyu akabhadhara muchikwata cheXYZ, kutenga zvigaro zana munaJanuary uye zvimwe zvikamu zana muna February. Mugovera waJanuary, munhu akatengesa 150 zvikamu. Saka mubvunzo chii?
Mubvunzo ndewokuti: Ndezvipi zvikamu izvo munhu uyu akatengesa? Akatengesa zvikamu zana zvezana raJanuary pamwe nemakumi mashanu emadhora eFebruary; kana zana yemadhora eFebruary nemakumi mashanu eJanuary shares; kana zvikamu makumi manomwe nemakumi matatu kubva kumunda mumwe nomumwe; kana imwe imwe sangano?
Hezvino izvo IRS inoti kuti uite:
"Nheyo yematokisi kana zvisungo iwe pachako ndeye mutengo wekutenga pamwe nemari yekutenga, yakadai semakomisheni uye kutora kana kutengesa mari ...."
Kusvika pari zvino zvakanaka: tine mutengo wekutenga pamwe nemari yekutenga, munyaya iyi, mishonga yakarongwa mune pepa rekushanda kwedu.
IRS inopfuurira mberi:
" Kuziva zvikwereti kana zvisungo zvinotengeswa.Kana iwe uchikwanise kuziva zvikamu zvekutengesa kana zvibvumirano zvawakatengesa, zvigaro zvaro ndiwo mari kana zvimwe zvezvikamu zvezvikamu zvezvikwama kana zvisungo ...."
Uye gare gare pa IRS inoti:
" Zvichida hazvibvira." Kana ukatenga uye uchitengesa zvigadziro panguva dzakasiyana-siyana uye zvakasiyana siyana uye iwe haugoni kunyatsoziva zvikamu zvaunotengesa, nheyo dzevhudziro dzaunotengesa ndiyo nheyo yevhudziro yawakawana pakutanga kunze kwekuti vamwe mutual fund share , yakakurukurwa gare gare, iwe haugoni kushandisa muvharo wekutengo wega wega kuti uwane kuwana kana kurasikirwa pane kutengeswa kwezvikamu. "
Izvo zvinyorwa zvinotorwa kubva muStocks uye Bonds chikamu pasi Pasi peInvestment Property muchitsauko 4 chePamusoro 550.
Zvino ngationei izvi kunze. Dai tainge taudza mutengesi wedu, "tengesai idzi zvikamu zvakasiyana," iyo ndiyo migove yatinozoshandisa kuti tione mari yedu inowanikwa. Somuenzaniso, kana tikaudza mutengesi kuti atengese zvese zvemazana atakatenga munaFebruary, uye makumi mashanu emiganhu yatakatenga munaJanuary, zvino pfuma yedu yaizova 2100 - (1225/100 * 50) - 1250 = $ 225.
Unoona here zvatakaita nematunhu? Tinoda kuverenga nheyo yezvikamu makumi mashanu kubva kuJanuary kutenga. Takatora zvigaro zvayo zve (1225, iyo inosanganisira iyo komisheni), yakakamura nhamba yezvikamu zvakatengwa (izvi zvinoguma nemutengo wega wega), uye yakawedzera izvi nemakumi mashanu (nhamba yezvikamu zvatakatengesa). Izvozvo zvinoguma nenheyo ye 612.50. Bvisai 612.50 uye $ 1250 kubva pane zvikamu zana zvatakatenga munaFebruary, uye kuwanikwa kwakagadzirika kuri $ 225.
Zvakanaka, ndiyo nzira yatinovaka nayo chimiro tichishandisa tsanangudzo chaiyo. Asi zvakadini kana tisina kuudza mutengesi wedu kutengesa zvikamu zvakananga. Muchiitiko ichocho, IRS inotaura, tinoshandisa nzira yekutanga, yekutanga-yekubuda: "chikonzero chezvivimbiso zvaunotengesa ndiyo nheyo yevimbiso yawawana pakutanga." Izvi zvinotaridzika sei maererano neshoko rekuverenga pfuma? Zvakanaka, tinocherechedza parutivi rworudyi rwebasa rekushanda takatengesa zvikamu 150. Zvadaro kutarisa kuruboshwe-ruoko tinoona isu takatenga zvikamu zana uye takatenga mamwe mazana zana. Tinotora nheyo dzezvikamu zvatakawana pakutanga: mune mamwe mazwi zvikamu zana zana zvekutengeswa kweJanuary, nebhadharo ye $ 1,225. Saka iye zvino tave takaziva hwaro hwemazana zana kubva pamakamuri 150 atakatengesa. Zvadaro tinoenderera mberi kunzvimbo dzekutengeserana inotevera. Isu tinoda zvigadziro chete kwemazana makumi mashanu, asi chibharo chaFebruary chaive chemazana zana. Saka tinoparadzanisa mari yeFebruary mari. Saka pano ndiyo nzira yedu yekuwana purogiramu yekushandisa nzira yekutanga-in, yekutanga-yekubuda:
2100 - 1225 - (1250/100 * 50) = 2100 - 1225 - 625 = $ 250.
Zvinokonzerwa nekuvaka Pepa Rako Rokushanda
- Ita pepa rekushandisa rimwechete rezvikwata, musungo kana mamwe masimusiro aunayo.
- Chengetedza zvese zvekutenga kuruboshwe.
- Raira zvigadzirwa mumiganhu yekuitika kubva pakutanga kusvika pakupedzisira.
- Chengetedza zvese zvekutengeserana kune rumwe rutivi rworudyi.
- Kana ukashandisa shanduro yepa spreadsheet, shandisa maitiro kuverenga pfuma kana kurasikirwa uchishandisa data mune mamwe masero.