Kushandisa Sangano rePooled Investment Rinogona Kubatsira Mhuri Kupfuura Pfuma Yakawanda
Mhuri Isina Kubatana Inogona Kubvumira Mhuri Kuti Ichengete Pfuma Yakawanda Muhomwe Yadzo
Sezvo muridzi wezvemari, iwe watoziva kuti haisi chete nezvemari yakawanda yaunogadzira, ndiyo yakawanda iwe unoramba uri muhomwe yako. Mukuwedzera pakucherechedza kunze kwekukanganiswa kwezvinhu zvakadai sekutengeserana kwemakomisheni, zvakakosha kudzidza kuti ungaderedza sei mitero. Vazhinji vatsva vatengesi vanofunga chete nezvekubhadhara mari yepamusoro asi kune avo vanosvika pakubhadhara mari , mitero yezvipo uye mitero yemitengo zvakakosha zvakakosha.
Nokubatanidza zvikwereti zvako mune imwe nzvimbo yepamutemo yakarongeka inozivikanwa semhuri yakashamwaridzana, iyo yandakatsanangura muchidimbu muMhuri Limited Partnerships 101 - Nhepfenyuro yeMhuri Yakabatana , iwe unogona kutora zvinhu zvako zvakadai sematokisi , zvisungo , pfuma , unyanzvi, huri pamwe chete , nezvimwe kune vagari venhaka savana nevana vazukuru kuburikidza nechipo chekudyidzana kwehutano hwegore negore kusvika kumatare emitero.
Kana iwe wakaroora, iwe unogona kupa, kunyanya, gore roga roga nokuti chipo chekuregererwa kwemitero chinowanika zvakapetwa kaviri! Iyo inzira yakanaka yekukubatsira iwe kuchengetedza mari yaunowedzera kuburikidza nemakumi emakore ekushanda nesimba mumhuri pane kuva nehurumende ichivatora.
Kushandisa The Annual Gift Tax Kusarudzwa kune Chipo Chete-Pasina Mhuri Unyanzvi Hwokudyidzana Kune Vadyi Venyu
Sezvandakakudzidzisa mune imwe nyaya inonzi Kuderedza Imba Yako Kutenga Mitero-Zvipo , gore roga roga Congress inobvumira munhu kuti atore kune chimwe chimwe, mutero usingabhadhari, kune vamwe.
Vakaroorana vanogona kubatanidza mutero wavo wegore negore usingabhadharwi uye kubudirira kuwedzera kaviri mari yavanokwanisa kupa munhu. Kune gore remutero 2016, kubviswa kwe $ 14,000 pamunhu wese (vakaroora vanogona kupa munhu chaiye $ 28,000 pakati pavo, uye mumwe nomumwe wavo achiita madhora 14 000 echipo ; imwe ye1400 + yemutemo uye yezvemari inobatsira zvekuroorana muUnited States ). Izvi zvinoshandiswa kuburikidza nemubatsiri . Izvi zvinoreva kuti iwe unogona kupa vanhu vane gumi gumi nemakumi maviri ega ega, kana kuti $ 280,000, uye vasingabhadhara mitero yezvipo. Kana iwe ukapfuura mutero wepano wegore negore unoregererwa mugore rose rakapiwa chero munhu upi zvake, inofanira kunge yakatarisana nehutano hwako huripo hwehupenyu hwemazuva ose uye hupo hwekubhadhara mutero, sezvandinotsanangura muChii Iko Ino Estate Tax Limit, Rate, uye Kuregererwa? . Pasina kupinda muchikamu chekupedzisira, zvakanyanya, zvinopesana nehuwandu hwekuti imba yako inogona kusarura paunenge uchiverenga mutero weimba. Kana iwe uchinge uchibvumira muhupenyu hwako hwose usati wafa, peni imwe neimwe yeimba yako inogona kuva pasi pemitero yemitengo iyo, kare, yakave yakakwirira zvakanyanya kusvikira pakatarisana nemuganhu pakutora.
Mufananidzo unogona kubatsira. Fungidzira kuti iwe wakaroorwa.
Iwe newawakaroorana naye makaunganidza $ 5,000,000 kuburikidza nokuchengetedza uye kuisa mari muupenyu hwose. (Izvi zvinongodaro $ 358 pamwedzi pakudzoka kwe10% kwemakore makumi mashanu.) Une vana vana uye vazukuru gumi nevatanhatu. Yeuka kuti, kwegore ra2016, chipo chemubhadharo kune mumwe mupiki we $ 14,000. Izvozvo zvinoreva pakati pako nemumwe wako, unogona kutumira kusvika ku $ 28,000 kune umwe neumwe wevana vako uye vazukuru pasina kubhadhara penny mubhadharo yezvipo.
Iwe unganidza zvinhu zvako zvose mumhuri isingabatanidzi pamwe chete uye uzviti iwe newawakaroorana naye sevamwe vanobatana navo, vachikupa kusanganiswa kwekutonga kwezuva nezuva. Zvikwata zvako, zvisungo, dzimba, unyanzvi, zvibatanidzwa; zvose zvayo zvinowanikwa muhukama hukama huri pamwe chete.
Musi waJanuary 1 wegore roga rega, iwe unotora $ 28,000 zvakakosha zvemhuri kushamwaridzana kwezvido kune vanobatsirwa makumi maviri (vana vana uye vazukuru gumi nevatanhatu).
Iwe unogona kunyange kutora zvigadziro muchibvumirano chekubatana kuti ubatsire kuvimbisa kuti chipo chako hachina kuparadzwa; somuenzaniso, kuzviita kuti varege kutengesa zvikamu zvavo kana kutumira kune mumwe munhu (zvakadai semumwe wako kana vakaroorana) kusvikira vasvika pakuberekwa kwavo kwemazuva makumi matatu. Zvipo kuvana vaduku zvinogona kuitwa kuburikidza neUTMA kana kunyange kutora kwemari inoshandiswa .
Izvi zvinoreva kuti gore roga roga, unogona kupa $ 560,000 yezvigadzirwa zvemari pasina kubhadhara penny muchipo chemitero kana kugunzva yako yakabatana yemazuva ehupfumi uye chipo chechipo chekukweretesa ($ 28,000 akatamirwa kumhuri 20 dzemhuri = $ 560,000)! Kunyange zviri nani, kuenda mberi, vana vako uye vazukuru iye zvino vane hutano muhukama hwemhuri hushoma kuitira kuti vagone kuwana zvikamu zvose , chikwereti, mari inowanikwa , uye zvimwe zvikwereti kubva muhupenyu hwavo. Izvozvo zvinoreva kuti ramangwana rekudzoka, kana iripo, richawedzerwa kubatsiro rwavo uye ichanyatsotorwa kubva kune imwe nzvimbo yekutengesa mitero. Somuenzaniso, kana mhuri isingabatanidzi kubatana yakawedzera muhutano ne10% mushure mekutora mutengo wegore rokutanga nekuda kwemari yekubhadhara, kukoshesa kweimba, kuwanikwa kwezvikwama, kugoverwa kwemari, kushandiswa kwehutano, kana zvimwe zvimwe zvinhu, pakupera kwemwedzi gumi nembiri, iwe ungadai uchiri $ 4 884,000 uye nhengo dzemhuri yako dzaizova $ 616,000. Izvi zvinoreva kuti iwe hauna kungovapa $ 560 000, asi ivo vakanakidzwa ne $ 56,000 emubatiro wekubatana, zvakare. Ndiyo imwe $ 56,000 yausingafaniri kupa mumakore amangwana. Kunyanya, gore rakatevera, vachawana mari yekudzorera kune mamwe ma $ 56,000, zvakare, vachigadzira kunaka kwekugadzirisa .
Kushandisa Liquidity Discounts neMhuri Limited Partnership Inogona Kubudirira Muchiri Kukuru Kwemari Kuchengetwa
Kutenda kumatare edzimhosva akakurumbira muUnited States, zvikwata zvemhuri zvisingabatanidzi zvikwereti zvingawanzokwanisa kubhadhara zvikwereti kana, sezvazvinenge zvichinyatsozivikanwa, "zvidzidzo zvekushaikwa kwekutengesa". Izvi zvinorevei kuti IRS haizokoshese zvikwata zvebambani pamusana pekukosha kwemari yavo asi, panzvimbo pacho, inotanga mhando dzakawanda dzehuwandu huchaedza kuverengera zvinhu zvakadai sokushaya simba, kutadza kutengesa kunze kwekuti vazhinji vabata vanobvumirana nazvo, uye zvimwe zvinetso zvisingabvi muzvipo zvakagadzirirwa zvakakwana pasina zviremera.
Mune mamwe mazwi, nokuti iwe nomudzimai wako, sevamwe vanobatana vemhuri kushamwaridzana kwakasununguka, vachiri kutonga mhuri isingabatanidzi kunyange mushure mekunge maita chipo kune vana venyu uye vazukuru, chipo chacho hachikoshi zvakadai sokunge zvave zviripo kana iwe waingovapa zvikamu zveKoca-Cola kana mari yavaigona kuisa mubhangi. Icho ichokwadi kunyange kana mhuri isingabatanidzi ine zvikamu zveKoca-Cola uye ine mari yakagara mubhangi nokuti chipo chavanogamuchira havagoni kuita chero chipi zvacho, asi zvakadaro. Havagone kuenda kumutengesi yemotokari uye vanotenga Tesla kana Jaguar itsva. Havagoni kutora zororo nazvo.
Kazhinji, kana yakanyatsogadziriswa nemazano evanogadzirisa mabhadhareji uye varairi, unogona kukwanisa kutenga zvikwereti zvinokwana makumi mashanu kubva mumakumi mashanu emadhora ekubhadharwa kwemari yemhuri yakabatana inobatana. Kunyanya kakawanda, iwe unogona kukwanisa kuwana zvikwereti zvemari zvishoma ye 25%. Izvo zvichange zvichienderana nemamiriro ezvinhu akasiyana-siyana akakomberedza mhuri yako yega kubatana uye inofanira kugara yakatorwa mushure mokunge uchitarisana nekunyatsobvunzwa nevatori vako vemitero, vemutemo, uye varairidzi .
Fungidzira kuti varayiridzi vako vanotenda kuti unogona kutora 35% yemari yekudzikinura yemhuri yako ishoma kubatana. Kudzokera kumifananidzo yedu yepakutanga, izvi zvinoreva kuti iwe unogona chaizvo kupa chipo $ 43,076.92 inokosha yemhuri yakabatanidzwa zvikamu kune umwe wevadyi venhaka 20, kana kuti $ 861,538.40 yega, paanenge achiverenga se $ 28,000, kana $ 560,000, pamitero. Izvi zvinowedzera $ 301,538.40 inowanikwa mumaoko ose evanhu vagari venhaka, izvo zvichazovakonzera kunze kweimba yako.
Kushandisa Inotengeswa Intra-Family Loans Ita paIndaneti Federal Rate Yokuderedza Mitero ine Family Limited Partnership
Nzira inotevera yekuderedza mitero yezvipo uye mitero yemitengo nemhuri ine ukama huripo inosanganisira kukweretesa mari kune vemhuri yako kana kune dzimwe vagari venhaka padziri, zvakaderera-mutengo wemari, ipapo uchishandisa mari iyo yakakweretesa kutenga mhuri yakabatana inobatanidza iyo inowanikwa pamatunhu akakwirira , nekubudirira kupikisa musiyano pane nguva saka hupfumi hwakawedzerwa hunoendeswa kuvasarudzo vako vakasarudzwa. Izvo zviduku zvinotarisirwa iwe unogona kutengesa usati waverenga sechipo chezvipo zvekunamata zvipo inozivikanwa se "inoshanda federal rate", kana AFR. IRS inoparidzira idzi mahara mwedzi mumwe nomumwe, mberi.
Ngatitarise pamwedzi waMarch 2016. Heanoi ndiyo inoshandiswa nehurumende yemari.
- Nguva Yenguva Pfupi Inoshandiswa Federal Federal (makore matatu kana pasi)
- Kugadzirwa kwegore negore = 0.65%
- Semi-Yakawandiswa Kwegore Negore = 0.65%
- Quarterly Compounding = 0.65%
- Mwedzi Unogadziriswa = 0.65%
- Mid-Term Applicable Federal Rates (makore 3 kusvika ku9)
- Kugadzirwa kwegore negore = 1.48%
- Semi-Yakawandiswa Kwegore Negore = 1.47%
- Kwenguva Yakakonzera = 1.47%
- Mwedzi Unobatanidza = 1.47%
- Yenguva Yakare Inoshandiswa Federal Federal (makore anopfuura 9)
- Kugadzirwa kwegore negore = 2.33%
- Semi-Yomwaka Makagadzirwa = 2.32%
- Kwenguva Yokumanikidzwa = 2.31%
- Mwedzi Unogadziriswa = 2.31%
Ngatitii mushure mekushandisa kushandisa mari yekutengesa uye zvipo $ 43,076.92 kune umwe neumwe wevana vako uye vazukuru, kana $ 861,538.40, iwe unosarudza kukweretesa mumwe nomumwe wavo $ 100,000.00 kutenga mhuri isina kubatana. Iwe unonyora tsamba yekuvimbisa kuitira kuti chikwereti chichengetedzwe nehuwandu hwemakambani ehurumende uye uise nguva yekubhadhara pamakore makumi matatu. Ngatitorere zvimwe zvekubhadhara zvikwereti zvezvino (iwe unogona kukwanisa kushandisa $ 100,000.00 kutenga $ 153,846.15 kukosha kwehuwandu hwekubatana pamwe chete kana kuyerwa kwekodzero kwasvika kusvika 35%, semuenzaniso, asi iyo inowedzera kuoma kupfuura zvatinofanira kuita nayo nguva iyo inogona kuunza mimwe mitero).
Tichifunga kuti wakasarudza kugadzirisa gore negore, mumwe wevana vako uye vazukuru vachada kukubhadhara 2.33% pamutengo we $ 100 000 gore negore, kana $ 2 330. Zvisinei, kana mhuri isingabatanidzi zvikamu zvayo inokura muhutano nemari yakakwirira - tichashandisa 10% sezvo iyo yakanaka yekudzoka uye mhuri ishoma kubatana inowanzova nezvinhu zvisingasviki zvakadai sezvivako zvepahofisi, mabhizimisi ari oga , zvinyorwa zvepfungwa, uye izvi pamwe chete nematokisi, zvisungo, kana zvimwe zvivimbiso - kusiyana kwe $ 7 670 kunobudirira kunoenda kune mupi wechipo, uyo ari kushandisa mari yako kuti awedzere purogiramu yake pachedu. Sezvo nguva ichienderera mberi, kutengesa kwezvinhu kunoderedza kushandiswa kwesimba rekutenga kwema $ 100,000 kuitira kuti, zvakare, kunopedzisira muzvipo zvemupi wemupi.
Kufambisa kudzoka kuburikidza nekushandisa muchengeti mumhuri yakabatana
Kune mhuri dzinowanzova nezvinhu zvinogona kushandiswa, zvakadai semakambani ekushanda ari oga uye nzvimbo yekutengesa, imwe nzira inoshandiswa ndeyokuti isangosanganisi chete kubhadhara zvidhairi uye mari yekuwana mari mumhuri yakakodzera, asi zvino uve nemhuri yakabatana iro pacharo rinopinda uye rinokwereta mari. Semuenzaniso, munyaya iyi, fungidzira kana mhuri yakabatana isingashandisi $ 5,000,000 inotungamira kutenga zvigadzirwa zvemahombekombe kune 50% chikwereti-ku-kuenzana , iyo inonyatsochengetedza. MuMidwest Midlands panguva ino, zvingava nyore nyore mumakwikwi akawanda echipiri-tier kuchinja iyo kuva kudzoka kwe10% kusvika 15% pagore. Mishonga inonzwisisika yakangwara nevanoshanda munzvimbo iyoyo inogona kuita zvakawanda, kunyanya kana yakave nemhando yekubatsira yakadai sekuva nekambani yekuvaka yakavabvumira kupedzisa zviitiko zvebhasiro shoma kupfuura inowanzoita vatengesi vepfuma.
Arbitraging Tax Rate Differentials Pakati Pevamwe VeMhuri Vanoshandisa Mhuri Makambani Akabatana
Imwe nzira yakakura yekuita izvi ndeyekuti vana vakuru vanozvimiririra asi vanoita mari shoma kupfuura iwe nemumwe wako (verenga: avo vasingabhadharwi kubva kune izvo zvinonzi mitemo mitero yemitero) vanogona kuchengetedza zvakawanda zvekubhadhara mari inobatanidzwa nehukama hwehukama husina kupa vanowira mubhaketi rezasi. Izvozvo ndezvekuti mutemo wekutsvaga kwemitero ichangobva kuiswa inogadziriswa neMutungamiri Obama neCongress.
Kutaura zvakajeka, sekuda kwegore remutero 2016, munhu anoita zviduku zvinopfuura $ 37,650 mukugadziriswa kwemari yakawanda, kana vakaroorana vanoita mari inopfuura $ 75,300 mugadziriswa mari yakawanda, vanogona kubhadhara 0% pane chero zvikwereti zvakakosha pamari inowanikwa . Kuti muve chiremba anobudirira kana mutengesi mune mutero wepamusoro wemitero, izvi zvinoreva kurega mari iyo ingadai yaenda kune Federal, state, uye hurumende dzemahara mumaoko emadiro ako aidiwa chipo, pane kudaro. Kupararira kune nhengo dzakawanda dzemhuri, izvi zvinogona kureva makumi nemazana ezviuru zvemadhora mumitero gore negore izvo zvisiri zvekare, asi, kugara mukati memhuri yako.
Kudzingwa Pfuma Nemafumi Iwe Unotenda Uchakoshesa Zvakanyanya Kugonawo Kuva Nekubatsira Kuderedza Chipo Imitero uye Imba Mitengo Paunenge Waita neMhuri Limited Partnership
Imwe yenzira dzakanakisisa dzekushandiswa kwemhuri kushamwaridzana kwakanyanya muzvizvarwa zvishomanana zvakapfuura aiva Arkansas-akatengesa mutengesi Sam Walton. Sam aiva nechikoro chebhaibheri pachikoro chemari kubva kuYunivhesiti yeMissouri. Mudzimai wake, Helen, aiva nedhigiriji rebhizimisi kubva kuYunivhesiti yeK Oklahoma. Mushure mokuona kukundikana kwokutanga kuNewport, Arkansas, Sam naHelen vakatora upenyu hwavo hwekuchengetedza, izvo zvavakange vavaka kubva pasina, uye vakabva muguta. Gore racho ra1950 uye vakange vane $ 50,000. Mukutengeserana kwemagetsi, iyo $ 491,526.97 muna 2016 inotengesa simba rakaenzana. Sam aiva nemakore 32.
Vakatanga pfungwa yavo inotevera, Wal-Mart Stores, sezvikamu zvishoma zvekutsvaga zvishoma zviri muMidwest. Shamba rimwe nerimwe rakarongeka semusangano wega-oga pamwe chete nemutungamiriri wekumba ane chikwata chekuenzanisa pamwe nekukweretesa mari kune ukama hwakadaro, zvichiita kuti kuwedzerwa kuve nyore. Gare gare, zvose zvezvivigiro zvakasimbiswa pasi pekambani yemubereki ainzi Wal-Mart Stores, Inc., saka Sam, mhuri yake, uye wese mutungamiri / vashandi pamwe chete vakachengetwa mumabhizimisi mamwechete uye vakafananidzwa zvakafanana mukubudirira kweiyo -ixpanding chain. Chero, apo Sam naHelen vakaita izvi, vakatora kutarisira kwavo mu-ye-iyo-nguva yebhizimisi uye vakaiisa mumhuri itsva ichangobva kuumbwa, yakatanga kuzivikanwa seWalton Enterprises, LP, uye gare gare, Walton Enterprises, LLC . Vakaparadzanisa ukama hwemhuri hushoma muzvikamu zvishanu, kuchengetedza imwe pachavo uye kupa mumwe nomumwe wevana vavo imwechete. Sezvo mutungamiri mukuru wemhuri kushamwaridzana, Sam anogona kugara achizvivhura mubhadharo wepamusoro kana kutora mari mune dzimwe nzira asi nekuita izvi, iye aive ane zvipo zvehupfumi kuvana vake apo umwene hwake hwakanga husingakoshi zvikuru.
Chigumisiro chakanga chisingashamisi kushamisa. Pashure pemakumi emakumi emakore, chipo chekutanga chevanhu , uye mapurogiramu makuru ekugovana zvekugovera , Walton Enterprises, LLC yakave neayo inopfuura 50% yemuyo mutengesi weBentonville-based. Inounganidza mabhiriyoni emadhora pagore mumari inowanikwa . PaKrisimasi, mhuri inoungana pamwechete uye ine vapeiri varo vanoita mazano. Nokufamba kwenguva, zvikwereti izvozvo zvakasiyana-siyana nevemhuri kushamwaridzana kuitira kuti zvive zvayo zvose kubva kune chinyorwa chemapepanhau kusvika kune imwe nzvimbo yemahombekombe ehurumende yebhangi. Sezvo vaWaltons vakazova mhuri yakafuma kwazvo munyika, hapana mitsara yezvipo yaidiwa pa 4 / 5ths eumambo Sam uye Helen vakapa vana vavo nokuti zvipo zvakaitwa apo kuenzana kwakanga kusingakoshi zvikuru; zvishoma pane bhizimisi duku rakabudirira mune imwe kona yakadzika yenyika.
Kuti udzidze zvakawanda pamusoro pesarudzo iyi, verenga Sei Mhuri Inogona Kuunza pamwe ne LLC . (Cherechedza: Kunyange zvazvo mhuri dzisingabatanidzi vashoma dzakanga dzakarongeka sehukama hushoma, mazuva ano, hazvisi zvisizvo kuvaona vachigadzirisa semakambani asina kukwana , kunyanya Nevada LLCs kana Delaware LLCs .)
Pfungwa Dzokupedzisira Pamhuri Limited Kubatana uye Kubhadhara Mutero
Chirevo chezvinhu zvose izvi kuratidza kuti mhuri inobatanidzwa sei, inoshandiswa zvine njere uye nekutarisa mberi, inogona kukonzera kuwanda kwekutengesa mutero. Mukuwedzera kune zvisingaenzaniswi kuchinja, vanogonawo kubatsira kuchengetedza zvinhu zvichienderana nekuti sei, uye kuburikidza nemamwe masangano nemagariro edzimhosva, iwe unopa hutano. Zvinogona kuva nyore kana zvakaoma. Inogona kukushandira iwe, uye mhuri yako, zvakanaka kuzvifunga sechikamu cherongwa hwakakwana hwokuchengetedza, kukura, uye kupfuurira pfuma yako yakaoma-yakawanikwa. Izvi zvinonyanya kuitika kana zvichishandiswa pamwe chete nedzimwe nzira dzekutsvaga mari yezvikwereti uye zvivako zvakadai sechipo chekuchengetedza zvigaro uye / kana kutora mukana wekubatanidza kwemafasi emitero akaremberedzwa uye zvakasimudzwa .
Mamwe Mashoko Pamusoro Pekubatana Kwemakambani
Kuti uwane mamwe mashoko, verenga Bhuku idzva reMutengi weKubatanidzwa kweMakambani .