Sei Tichifanira kutenga Mutual Fund Nguva pfupi Isati Yave Kuparidzirwa Zuva Raiva Mamiriro Akashata
Zvinosuruvarisa, hazvibatsire nenzira iyo muupenyu hwehupenyu. Kutaura zvazviri, uchishandisa kero yakabhadhara kutenga mari isati yaita kuti kugoverwa kunogona kukudhura mari.
Zvirongwa zveMutual Fund Distributions
Nzira iyo mari inobhadhara mararamiro avo isinganyanyi kuoma, asi zvakakosha kunzwisisa kuti vanoita sei kuitira kuti vadzivise misoro isingadikanwi.
Kune marudzi maviri ekuparadzanisa: zvikamu uye mari inowanikwa .
Nezvokutanga, zvikamu, mari inounganidza mari kubva kubasa ravo, uye vanochengetedza mari iyi muhomwe kusvikira vabhadhara mari kune vagovana. Ne mari yezvisungo , mari iyi inowanzoendeswa kune varairidzi kamwechete pamwedzi; nemari yemari, kubhadhara kunogona kuitika imwe, mbiri, kana kanomwe pagore. Kana mari yacho ichiwana mari iyi uye ichigadzirisa isati yabviswa, inoratidzirwa muhomwe yemari yemari inoshandiswa (NAV) .
Semuenzaniso, homwe ine mari inokwana $ 1 000 000 uye 100,000 chikamu inokwana $ 50,000 mugoveri wemari, iyo NAV inokwira kubva pa $ 10.00 kusvika $ 10.05. Apo chikwereti ichipa mari iyi inowanikwa kune vaine chikwereti, iyo mari inobva muhomwe uye NAV inodonha kuratidza kuchinja ikoko.
Somugumisiro, mubhadhari anogamuchira $ .05 pirogiramu imwe neimwe nenzira yemugovera, asi NAV inodonha kusvika $ 10.00.
Muchidimbu, apo mubhadhari akagamuchira mari, kukosha kwese kwekambani yake kwakafanana pazuva rakapiwa chikamu sezvazvakanga zvakaita zuva risati rasvika.
Kubudirira kwepfuma kunoshanda zvikuru nenzira imwe chete.
Apo chikwereti chinotengesa kushandiswa kune imwe purogiramu, inovhara mune pfuma yakawanda. Kana, pamagumo egore, mari yakawanda inowanikwa mari inodarika kukosha kwekurasikirwa kwemari, chikwereti chinofanira kupfuudza mari yekuwana mari kune vashandi. Sezvakaita zvikwereti, izvi zvinowanikwa zviri kutowanikwa muhomwe yemari yemari yenyika isati yatengeswa. Uye, nenzira imwecheteyo, apo huwandu huripo huripo huripo hunobuda mari inowanikwa mumadonheji ekutengesa mari iyo inobviswa muhomwe uye yakatumirwa kune vagovana. Mune mamwe mazwi, mari ye $ 5 inowanikwa inowanikwa ne $ 5 inodonha mumutengo wemugove.
Mugumisiro wekupedzisira unofananawo nezvakaitwa nekubhadhara mubhadharo: chikamu chakanaka chekuwana mari kune imwe chete pazuva rakatevera chikamu sezvazvakanga zvakaita zuva risati rasvika.
Izvi zvinoreva kuti vatyairi havaiti "mari" pazuva rekubhadhara. Mari iyi yakatove yakagadzirwa munguva yose yegore, uye yave ichiratidzwa zvishoma nezvishoma muhomwe yemari inowanikwa. Ndicho chikonzero chero chiito chekutenga kusati kwaparidzirwa kuti "kutora" chikamu chacho hachina maturo - pakupedzisira, kukosha kwekambani yevatengesi inoramba iri yakafanana.
The Impact of Taxes
Nhamo, pane zvakawanda kune nyaya. Vashandi vanobhadhara mitero pazvikwereti izvi uye mari inowanikwa mu "kazhinji," kana kuti isiri iyo inokonzerwa nekodhidhi (kusingapesana nekugoverwa mu 401 (k) nhoroondo, Individual Retirement Accounts kana mamwe marenda ekurega mari).
Mune nhoroondo dzekwereti, mutyairi haafaniri kuchengetedza kugoverwa kwose - iye anofanira kusiya chikamu chemitero. Zvikamu uye zvenguva pfupi zvinowanikwa mubhadharo zvinotambirwa semari inowanikwa nguva dzose, nepo nguva yakareba inowanikwa mubhadharo inobhadharwa pamutengo wakakodzera wekuwana mari.
Chimbofunga muenzaniso uyu. Mumwe mubhadhari ane $ $ 10,000 pamusi waDecember 28 anowana kugovera kunokwana $ 500. Zuva rakatevera, iye anodzosera mari yacho muhomwe. Nhoroondo yacho ichiri kukosha $ 10 000, asi kana mutero wayo uri 28%, iyo $ 500 yakaderedzwa kusvika $ 340 (kana kuti $ 500 - $ 160 = $ 340) pamutero wekutevera. Mubhadharo anorasikirwa iyo chikamu chekubhadhara kwenyika yose mubhuku iri nenzira yekubhadharwa kwebato rinoshandiswa kumutero wemari.
Nzvimbo Yakatora: Ivai Nehanya Nenguva Yokuparadzirwa
Mutero wekutora haisi chikonzero chekuisa mari - shure kwezvose, kubhadhara mitero zvinoreva kuti iwe wakaita mari.
Pashure pezvose, zvikwereti uye zvikwereti zvakakosha zvinomiririra mari iyo mari yacho yakaitwa mukati megore. Kune vagovhesi vakachengetedza mararamiro gore rose, zvakanaka. Asi kune varairidzi vatsva muhomwe, hapana chikonzero chekutenga zvikamu nguva pfupi vasati vaparidzirwa. Muchidimbu, uri kubhadhara mitero isina kukodzera pamari yausina kuita. Saka zvinokosha kuti uzive nguva yekugoverwa kwekuuya apo iwe uchigadzira utsva hutsva kana kuisa mari mutsva mune mari yaunenge uine.
Ne mari yezvisungo, izvi hazvisi dambudziko rakawanda kubva pakugoverwa kunoitwa mwedzi woga woga uye mari yepamusoro inowanikwa. Zvisinei, vatengesi vanoona nezvekuwana mari avo vanochengetawo mari yekutsvaga kutsvaga kudzoka kwepamusoro kunoda kunyanya kuziva nyaya iyi.
Mari zhinji inobhadhara mari yakawanda muvhiki yekupedzisira yaDecember, asi kune vashoma vanoita kuparadzirwa pane dzimwe nguva dzegore. Ramba uchiyeuka, saka, kuti iyi haisi nyaya yakananga kumativi mana ekarani-iwe unofanirwa kugara uchitarisa mari yekubhadhara mari yekuchengetedza kuti uone kuti hazvikwanisi kubhadhara kugovera.