Kuva neNhepfenyuro yakakwirira kunoda nzira yakasiyana yekutongwa kwemitero
Nemitemo mitsva yemitero inoshandiswa inoshanda muna 2018 sechikamu cheMutero Wemitero uye Jobs Act, inguva yakanaka yekodzero yakawanda inokodzera vateresi kuti vadzokerezve chirongwa chavo kuti vaone kuti vangagadziriswa sei uye mikana ipi iripo yekuita mari yekubhadhara mutero.
Sezvaunogara pasi neauntian yako kana muteresi wezvemitero, heino mhemberero dzinokosha kudzokorora.
Investment Tax Tax
Kana iwe uine huwandu hwekutsvaga huwandu hwekutsvaga mari, iwe unogona kunge wakatarisana nemutero mukuru wekubhadhara mutengi paunotengesa zvikwereti kune purofiti. Iyo yakaderera nguva shoma inowanikwa mubhadharo inoshandiswa kumarima inenge isingasviki gore rimwe chete, asi iyo inotora nguva shoma inowanikwa mubhadharo inoshandiswa kumari inotora nguva yakareba kupfuura gore rimwe chete.
Pasi pemutemo mutsva webhadharo, huwandu hwekutsvaga hukuru hwakanga husina kuchinja chero hupi zvayo mukugadzirisa. Iyo yakareba nguva yakawanda inowanikwa zvikamu zve 0 muzana, 15 kubva muzana uye 20 muzana ichiri kushanda, asi nzira iyo madhora anoshandiswa yachinja. Mutemo wakare wakashandisa 0% muzana kune mabhirikiti maviri emitero yakaderera, asi 15 muzana yepamusoro yakawira pakati nepakati uye 20 muzana yepamusoro yakachengeterwa vateresi mubhakitari yakakwirira yepamusoro. Mutero Wechipatimho neMabasa Act, zvisinei, zvinowirirana nemitengo nepamusoro pekubhadhara mari inowanikwa.
Pamusoro penguva pfupi inowanikwa, ruzivo rwakajeka runobatanidza nekugadziriswa kwemabhajiko emitero pachavo. Vanosvitsa vashoma vanowana $ 500 000 kana kupfuura uye vakaroorana vane mari yakabatanidzwa ye $ 600,000 kana yakaderera vachiwira mu 37% yemutero bracket. Iyi ndiyo yepamusoro-soro yenhanho yekuwana mukana wekuziva kana iwe uri mumbure wakakosha wekusimbisa mari uyo ari kuronga kutengesa mari shoma shoma.
Imba uye Chipo Chipo Kurongwa
Hurongwa hwemitero yeTrump yakatanga kuchinja kune imwe nzvimbo uye mitero yezvipo iyo inobata zvakanyanya mumatare akakodzera vanhu. Mutemo wakawedzera zvipo, nzvimbo uye chizvarwa-kutsika kutumira mitero yekusunungurwa, kubhadhara ku $ 11.2 mamiriyoni nemunhu, yakakonzerwa nehutsika. Muganhu wekuregererwa kwegore negore wemitero yechipo inokwira kusvika ku $ 15,000, asi mutero wevatero vose vatatu unoramba usingashanduki pa40 muzana.
Nekukwirira kwepamusoro kune vanhu vanofunga kuronga zvipo zvezvemari kune avo vagari venhaka, shanduko iyi yakanaka, pakuti inogona kuunza mari yekubhadhara mutero. Kuti uenzanise zvizere kutengesa kwemutero pavanenge vari munzvimbo, zvakakosha kuongorora kana hurongwa hwako hwehupfumi hwakagadzirirwa kuti hubvumire kushandisa michina yepamusoro yemutero, uchiona kuti hausi kupfuurira pane zvakawanda (kana pasi ) wehupfumi hwako kumurume wako, vana kana vazukuru pane zvaunenge uchitarisira munguva yehupenyu hwako. Iwe unofanirwawo kunge uchitarisana ne federaleral estate tax planning yekuita nemhando ipi zvayo yemitero inogona kuve yakakonzerwa kumamiriro enyika.
Chimwe chinhu chinokosha chokucherechedza nezvekuchinja uku: ivo vakagadzirirwa kuti varambe varipo kusvikira musi waDecember 31, 2025, kunze kwekuwedzerwa nemamwe mitemo yemitemo inovandudzwa.
Panguva iyoyo, vaizodzokera kumajeri ekudzikinura. Mutemo hausati uchisanganisira chero chirongwa chinopesana ne "clawbacks", iyo inogona kubvumira zvipo zvepamberi kare kuti zvibhadzwe sechikamu chenzvimbo yako pasi pemiganhu yekare. Kune imwe nguva yemitemo inorambidza kusungirirwa kwekugadzirisa kuiswa panzvimbo asi iyo ndiyo chinhu chaunofanira kufunga pakupa zvipo.
Kubatsira Zvipo Kupa Mutero Wechirongwa
Kupa chikamu chepfuma yako kune rudo kunogona kubhadhara mutero wekutora uye kutanga muna 2018, muganhu wokuderedzwa wezvipo zvekubhadhara kune zvikwereti zvakakodzera zvinowedzera kubva 50 muzana yeAdjusted Gross Income kusvika 60 muzana. Mutemo wacho wakabvisawo kukanganiswa kwePease, iyo yakakonzera kuwanda kwezvipo zvakabhadharwa zvinowanikwa kune vateresi vane mari yakawanda.
Izvo zvikwiriso zvakakwirira pamabhadharo ndezvokuda kwematare evanhu vanokweretesa vanobhadhara avo vanoita uye zvinokwanisika kuita hutengo husingaregi kutengeswa kwehupfumi nekuisa zvimwe zvezvinhu zvako muzvipo zvinotungamirira annuity trust.
Kana iwe uine makore makumi manomwe nemakumi matanhatu, iwe unogona kudzivisa kubhadhara mutero wemari kusvika kune $ 100,000 muzvipo zvezvipo zvakagadzirwa kubva kune tsika dzekare IRA gore negore kuitira kuwedzera mitero kubhadhara. Kupa kumunhu anopa mari-anopa ruzivo kunogonawo kubhadhara mutero wakaderedzwa mutero.
Zvakare, zvakare, kuchinja uku kuchapera pakupera kwe2025 saka zvakakosha kuronga kuti ungaisa sei pavari nokukurumidza, panzvimbo pfupi.
Kuchenesa Pasi-Kupinda Muzvikamu Zvikamu
Chimwe chekupedzisira mitero yekodzero yemushumo wakakosha wevanhu vanofanira kufungisisa ndekuiswa kwekutsva kwemazana makumi maviri kubva muzana pamari yebhizimisi yezvikamu zvekupfuura. Kana iwe ukashanda bhizinesi rakabhadharwa semukana wekupfuura, unogona kukwanisa 20 kubva muzana yemari yako yebhizimisi yakakodzera kubva kumusoro, uye zvimwe zvisingakwanisi. Kana iwe uri mukuru wekuwana mari uyo ane bhizinesi, iwe unogona kuongorora kubatsirwa kwekuumba kambani ine chikwereti chekodzero yekushandisa zvakanakisa kuderedzwa uku.
Kana bhizimisi rako richiita seC-corporation, haungakwanisi kubhadhara kubhadhara asi mutero wemutero unoderedza kushandiswa kwemutero wekambani kubva pamapfumbamwe kusvika ku21 muzana, uchipa imwe imwe nzira inogona kubhadhara mitero.