Iva nechokwadi chekugadzirira apo iwe ukakanda mitero yako , sezvaungangoda kubhadhara mitero pamari yako. Pasi apa, chikafu chezvinhu zvaunofanira kutarisira nguva ino yemutero kana iwe uine zvikwereti.
Kana Uchitenga kana Kutengesa Mari Yako
Vazhinji vedu tinoziva kuti kana iwe ukatengesa zvimwe zvekutsvaga kwako pane imwe nzvimbo, unofanira kubhadhara mitero pachiyero ichocho. Izvi zvinonzi inowanikwa mari . Kubudirira kwezvikwereti kunobhadhara mitero yakasiyana, zvichienderana nekuti inofungidzirwa kwenguva shoma kana kuti kwenguva refu.
Kutsvaga kwenguva pfupi ndeyekuti iwe wakachengetera kwepasi pegore rimwe chete uye uri kuteresa paunowanikwa mutero wepamusoro kusvika kune 35%. Kune rumwe rutivi, kushandiswa kwemazuva mazhinji ndewewe waibata kwenguva yakareba kupfuura gore rimwe uye unoteresa pamwero we 15%.
Kana ukarasikirwa nemari mumari yako, izvi zvinonzi kurasikirwa kwemari . Izvi zvinowedzerawo mumitero yako. Kunyanya zvakanyanya, iwe unogona kutora mari yawakarasikirwa nemari yekutsvaga kubva pamari yako yakawanda kuitira kuti iwe ubhadhara mari shoma yekutora nguva.
Kubhadhara Mitero paZvigoverwa Nezvako
Kunyange kana iwe usingatengesi imwe yemari yako, iwe uchave uchiripa mimwe mitero. Semuenzaniso, kana iwe une zvikwama, mutual fund, kana index index, unogona kuwana zvikwereti zvenguva iyo kubva kune iyo kambani, inonziwo chikamu , chaunofanira kubhadhara mitero.
Uyezve, kana iwe uine zvibvumirano uye ukawana chikwereti kwavari, iwe uchafanirawo kubhadhara mitero pane izvozvo. Izvi zvinowirirana maererano nemhando yezvisungo zvaunayo. Kana iwe uri wega mutengo wemari , iwe uchava nemhosva yekubhadhara mitero pane chero zvikwereti zvakawanikwa. Iwe uchafanirawo kubhadhara mitero kana iwe uchitengesa chero mutual fund shares.
Zvisinei, haufaniri kubhadhara mitero pane chero kutengesa kunoitwa nevatungamiri vemari.
Ronga Kuti Uzogona Kubhadhara
Iwe unogona kugadzirisa zvaunoshandisa iwe sezvaunowana zvikwereti, mari inowanikwa, uye inofanirwa kubva kune yako yekushambadzira chikwereti. Izvi zvinofanira kubatsira kuderedza kuora kwebhadharo yako yemutero.
Imwe nzira ndeyekuisa parutivi mari yauchazobhadhara mumitero pazvikamu, chikwereti uye mari inowanikwa kunze apo iwe uchiwana.
Semuenzaniso, kana yako ikozvino yekutengesa inenge inenge 25%, unogona kuisa chikamu chechina chepfuma ipi yawakagamuchira pabasa shoma shoma kuti ubvise mitero gore rinotevera.
Iwe unogona zvakare kutaurirana neAcountant yako nezvenzira yakanakisisa yekugadzirisa nguva yemitero kana iwe uine chikwereti chekutsvaga mari , kuitira kuti iwe ugone kugadzirira kubhadhara mutero wako wekubhadhara-uye uchiri kubatisisa bhajeti yako yemwedzi .
Mazano Okukurumidza Okudhinda Mitero
Kana iri nguva yekuisa mitero yako , unofanirwa kugamuchira 1099-DIV fomu kubva kune imwe kambani kana mari yakakutumira zvikamu. Iwe uchazogamuchirawo chimiro che1099-B kubva kune yako yekutsvaga mari yekutengesa inoratidza kuti iwe unowana mari yegore iroro.
Kana iwe ukaisa nekambani wenhoroondo, iva nechokwadi chokuti wakarongeka uye umuperekedze nemhando dzose dzawakagamuchira nokuda kwegore iroro remutero, uye zvaunenge wakamirira.
Inobatsira kuve nekuongororwa kwemafomu ose kuti uone kuti wakagamuchira zvose zvaunoda kuti upedze mitero yako.
Kumbira muAgadisi kana Muchengeti weMari
Chimwe nechimwe chinogona kusiyana zvichienderana nenhamba yekutsvaga kwako, mari yako yezvino uye zvimwe zvinhu zvinosanganisira mari yako. Zvakakosha kutaurirana nemuongorori wako uye mupi wezvemari pamusoro pehuwandu hwaunoda kuchengetedza kuvhara mitero yako gore negore.
Kana iwe uchingotanga kuisa mari , izvo zvaunowana zvinogona kunge zvisina kukwana kuti uve nehuwandu hwemari yaunoda kubhadhara gore negore. Zvisinei, sezvo zvikwereti zvako zvichikura, ndizvo zvichaitawo mitero yako, uye iwe unofanirwa kugadzirira kushandura kuchinja.
Muzviitiko zvakawanda, kuchinja kuchauya zvishoma nezvishoma, uye iwe unofanirwa kugadzirisa sezvo mutero wako wemitero unowedzera. Paunosvika pane imwe nzvimbo yaunowana mari yakawanda mumari yekuita mari gore roga roga, zvakanakisisa kubhadhara mubhadhari kuti akubatsire kuti uuye nehutano hunoshandiswa.
Edza Izvi Mitero-Inobatsira Kutengesa Imotokari
Iye zvino zvatakafukidza kubhadhara mitero pamariko yakadai semari yekuenzanisira mari, mutengo wemari, uye mashizha, inogona kunge iri nguva yekushandisa mari yekodha isina mari yekutengesa. Mienzaniso inosanganisira:
Yakavandudzwa naRachel Morgan Cautero.