Kugamuchira Mutero-Usingadi Mubereko Mari yekusara
Municipal Bond Income yakasunungurwa kubva kune Federal and State Revenue Taxes
Fungidzira uri nemakore 65. Iwe hauna chikwereti, tora imba yako chaiyo, uye uine $ 500 000 mukuchengetedza, wakavakirwa pamusoro pebasa refu rekushanda.
Iwe une chisarudzo pakati pekutsvaga mari muzvikwereti zvekambani uye kuisa mari mumabhadharo emasisita emaspala. Kubatana kwehurumende kunoburitsa 7%, uye kubhadhara kwemasisita emasitrasi asingabhadhari kunobereka 5%.
Izvozvo zvinoreva kusungwa kwekambani kunokonzera $ 35,000 muzvibereko zvegore rimwe nerimwe nokuda kwako, pamusoro pekugara , kubhadhara zvikwereti zvako, kuchengetedza zvokudya mukati memajeri nemishonga mukapu. Iwe unofanirwa kubhadhara mitero yemari yemari pamari iyi. Iko kusingabhadhara komasungwa emasungwa, kune rumwe rutivi, kwaizoita madhora 25 000 pagore muzvibereko zvekuwana mari. Iwe haungadai uine chikwereti chimwe chete mu Federal kana hurumende yemitero pazvibvumirano izvi kana uri kutenga zvigadzidzo zvakabudiswa mumba mako pamba.
Ndeupi wevaviri ndiyo iri nani yekutsvaga kusarudzwa kwepodfolio yako? Kuti uwane mhinduro kumubvunzo iwoyo, unofanira kuverenga chimwe chinhu chinozivikanwa semutero unobhadhara . Kazhinji, iyo yakaderera bhasikiti yako yemitero, iyo inobvumirana nehutano hwehutano ichava sekutsvaga, asi iyo yakakwirira bhakoni yako yemitero, iyo inowanikwa zvakanaka kumasisita emabhangi anooneka.
Imwe misungo yaunofanira kudzivisa ndiyo tsika itsva varairimi vanoita sevanotora izvo zvinokonzera kuti vafunge kuti vaise mitero-vasina masisita emasitragi mumaronga epamberi anodzivirirwa kubva pamitero nekuda kwemaitiro avo. Ihwo upenzi! Kunyangwe iwe uri mubhasikiti yepamusoro yepamusoro yakabhadharwa muUnited States, mari inowanikwa mukati mako 401 (k) hurongwa kana mamwe mareji ekurega mari yakatochengetedzwa kubva ku IRS, kugadzira hutano hwehutano huchiita sarudzo iri nani kubva pamutero wemitero mune dzakawanda mamiriro ezvinhu.
Mutemo unobatsira: "Kushorwa kunokwezva: Kutengesa zvikwereti zvinopinda mumabhuku asingabhadhara mutero, uye zvisungo zvisina mutero zvinowanika mumakero anokweretwa."
Zvikwereti zveMasta Zvinogona Kupera Zvishoma Kupfuura Stocks
Zvichienderana nehuwandu hwemasimba ehurumende iwe unobata muhuwandu hwekutsvaga mari yako, zvinhu zvako zvinogona kuchinja zvishoma kana zvishoma pane mashizha . Kazhinji, chisungo chine nguva shoma (iyo inokura nokukurumidza) ichachinja zvishoma kudarika kusungwa kwenguva refu (iyo inokura kwemakore mazhinji mune ramangwana). Zvinhu zvose zvinouya nemutengo - naizvozvo maonero ezvoupfumi, "Hapana chinhu chakadai sekusununguka kwemasikati." Nguva shoma yakasungwa zvisungo nguva dzose inonakidzwa nezvibereko zvishoma kudarika zvisungo zvine nguva refu. Icho ndicho chibvumirano chaunofanira kuita. (Cherechedza: Kazhinji mamiriro ezvinhu anoitika mashoma mashoma emakore apo izvi hazvisi zvechokwadi.I inozivikanwa se "inverted yield curve.")
Vakawanda Vatsva Vanotsvaga Vanowana Chikonzero Chekutsvaga Muzvikwereti zveMasasa Kuwedzera Kuda Kwemwoyo Kupfuura Kuisa Muzvikwereti
Paunenge uchitenga musungo wemasuo mumusika wekutanga, mari yako inopiwa kune imwe nzvimbo kana hurumende yehurumende yemishonga inoita kuti hupenyu huve nani kune munhu akawandisa. Kana iwe ukatenga zvikwereti zvakabudiswa nechirongwa chechikoro, mari yako inogona kushandiswa pakuvaka chikoro chitsva kana gymnasium.
Kana iwe uchitenga mushumo wemasimende wakabudiswa nemusha wako, mari inogona kushandiswa kugadzira migwagwa, mabhiriji, zvipatara, zvinomera zvemvura, uye mamwe mabasa ehurumende.
Muzviitiko izvi zvose, mubhadhadzi wehutano anovimbisa kukubhadhara iwe kufarira pamari yako. Pane imwe nguva mune ramangwana, pazuva rekukura, unovimbiswa kudzoka kwehuwandu hwehutano pachahwo. Muzviitiko zvakawanda, zvechokwadi munyaya yekodha yemutero musina bhandi, izvi zvakaenzana nemari yawakapa chikwereti.
Kune vashandi vakawanda, vachiziva chokwadi ichi chakanaka - kuti iwe uri kuenda kuzodzorera mari yako pane imwe nguva mune ramangwana chero bedzi mubhadhadzi wezvisungo asingatendeuki - inobata kubata mutero-pasina manisheni emasisita nyore nyore mupfungwa uye mupfungwa. Ini pachedu ndinoziva vashandi vemari vanogara muhurumende vakagara pazvikwata zvinomwe zvezvikwereti zvakaputirwa nemasungo emumatare, avo vasinganzwisisi kuchinja kwemutengo asi avo vasingagoni kudumbuka pfungwa yekuchengeta chero mashizha, pasinei nokuti yakakwirira sei, inobatsira sei, kana kuti sei vakasiyana-siyana, kunyange vachiziva kuti pane kwenguva refu, nguva dzese dzinosangana zvibvumirano mune dhipatimendi rinodzoka.
Zvichingove zvisinganzwisisiki uye zvoupenzi sezvazviri, vashandi vakawanda vatsva vanofunga nezvezvisungo sezvinongoita "zvakachengeteka" kupfuura zvikwata, kusazvidza zvinhu zvakadai sekuwedzera kwehuwandu hwehutengo. Kunyange zvakadaro, haufaniri kuisa mari muzvikwata zvekuvaka upfumi kuitira kuti kana uisa pfungwa dzako pane mari yakasara yemari inoshandiswa sekusunungura mitero yemasuo emasimende inokubvumira kurara zviri nani usiku, saka ngazvive saizvozvo. Hakuna kushandiswa kunoshungurudza iwe pachako kuti usvike pakudzoka kwakakwirira kana iwe uchitengesa utano hwako.