- Shanduro Izvisungo zvekuchengetedza hazvisi pasi pemutero wehurumende kana wepanyika. Paunoshandisa muIndaneti Izvisungo zvekuchengetedza, haungabhadhara mitero kune chikwereti chaunowana chaunowana kuhurumende yako kana hurumende yega. Izvi zvinoreva kuti mari yakawanda inoguma muhomwe yako pamagumo egore rimwe nerimwe kupfuura kana iwe waive neshamwari yakasungwa.
- Nhepfenyuro Izvisungo zvekuchengetedza zviri pasi peMutero wemitambo. Paunenge watenga Series yako ine zvikwereti zvekuchengetedza, iwe uchabhadhara hurumende yeHurumende mitero kune chikwereti chaunowana chaunowana panguva yaunobata zvisungo. Nokuda kwekuti Nhungamidzo Ichengetedzwa kusungirirwa ndeye rudzi rwehutano hunozivikanwa se "zero coupon" (kureva kuti, iwe haungagamuchiri kuongororwa nguva dzose mune tsamba; Pane kudaro, kufarira iwe unowana kunowedzerwa kumashure kukoshesa, uye iwe uchawana chikwereti pane zvaunofarira.) Une chisarudzo pakati peimwe nzira mbiri yekuteresa: nzira yemari kana nzira yekuwedzera. Nzira yemari inoreva kuti iwe uchangobhadhara mutero paunenge uine zvisungo kana uchidzikinura (kureva, kuvatengesa zvakare) kuhurumende yeUnited States. Kana iwe ukabata chisungo chako kwemakore makumi maviri, ipapo iwe haungabhadhara mutero panguva iyo, asi iwe unobhadhara mutero kana iwe uchitengesa kunze kwekutsvaga. Kana iwe ukasarudza nzira yekuwedzera yemutero paunenge uine zvikwereti, iwe uchabhadhara mutero unofanirwa pane zvawakagamuchira kune gore rawedzerwa kumashure ako.
Kushandisa Nhepfenyuro I Zvikwereti Zvokubhadhara Imari Yedzidzo
Iwe haungabhadhara mutero kune chikwereti chaunowana chaunowana kubva kuChechi Yenyu I kuchengetedza zvibvumirano kana iwe uchivashandisa kubhadhara mari yakakodzera yekudzidzisa uye iwe unosangana nemiganhu yekuwana. Ndezvipi izvo zvinoverengwa semari yekudzidzira mari yekushandisa? Izvi zvinosanganisira:
- Kudzidzisa uye mari yekuita seyodhairire yeklasi dzidzo ku yunivhesiti kana kojiji
- Mariro inobhadharwa chero ipi zvayo inodiwa sechikamu chepurogiramu yako yedhigiri kana chirongwa-kupa chirongwa.
- Mutengo wemabhuku kana nzvimbo uye bhodhi hazvirevi semari yakakodzera mari.
- Mari inoshandiswa inofanira kuitirwa nekuda kwako, wako wega, kana kuti munhu anovimba naye waunoti anenge asingabhadhari pamitero yako.
Pane dzimwe mimwe mitemo yekusabhadhara mitero pane yako Series Izvisungo zvekuchengetedza.
- Izvo zvisungo zvandinofanira kunge ndakatengwa mushure me 1989.
- Iwe unofanirwa kubhadhara mari yakakosha yekudzidzira mugore rimwe chete remutero iwe uri mu Series yako I kuchengetedza zvisungo.
- Iwe unofanirwa kuva nemakore makumi maviri nemana kana kupfuura pamusi wekutanga wemwedzi wawakatenga mabhandi. Kana uine makore gumi nematanhatu, semuenzaniso, iwe haungakodzeri kushandisa Shanduro I mazvisungo zvekuchengetedza iwe kana mhuri yako yekoroji mari; iwe unenge uchingoramba wakabatanidzwa nemutero wemutero.
- Kana uri kushandisa Series yako Ichengetedze zvibvumirano kuti ubhadherere pakudzidzisa kwekoroji yemwana kana kuti mumwe mukomana waunotarisa semunhu anozvimirira, zvisungo zvinofanira kunyorwa muzita rako uye / kana zita remumwe wako. Iwe unogona kutarisa mwana wako seI ini mubhadhadzi webato, asi iwe haugoni kuinyorera semuridzi. Kana zvisina kudaro, iwe haungatori mutero wekubhadhara pamisungo ini pavanenge vachivashandisa kubhadhara chikoro.
- Kana iwe wakaroora, iwe nemumwe wako munofanirwa kuisa mubatanidzwa wemutero kudzoka kuti muwane ruzivo rweNhepfenyuro I yekusungirwa mitero yekusungirwa mutero.
- Iwe unofanirwa kusangana nemiganhu yekuwana yakagadzwa neDhipatimendi reMariki kuti uwane mvumo yekubhadhara mitero ye Series Series I kuchengetedza zvibvumirano. Pane humwe huwandu huwandu hwekuuya kana kuti hauna kukodzera (ona IRS fomu 8815). Muna 2008, kuderedzwa kwechido kwakatanga kubuda pa $ 67,100 kwakashandurwa AGI uye yakange yaenda zvachose pa $ 82,100. Nokuda kwekubatana kwefodya filers, mitero yakabhadhara yakatanga kuderedzwa pa $ 100,650 uye yakapera zvachose kana yako yakashandurwa mari yakawanda yakagadziridzwa yakadarika $ 130,650.
- Yunivhesiti, chikoro chevashandi, kana yunivhesiti inofanira kusangana nehurumende kubatsira maitiro, akadai semakambani akachengetedzwa ehurumende. Kana zvisina kudaro, iwe haugoni kuwana Series I bond bond kusabviswa.
Zvakakosha kunzwisisa kuti Nyaya yekusungirwa kwebhadharo yemitero inoshandiswa ichaderedzwa nehuwandu hwevadzidzi, hukama, vashandi-dzakapiwa zvidzidzo zvekudzidzisa, kana zvimwe zvidzidzo zvidzidzo, maererano neDhipatimendi reMari. Idzi dzichaderedzwa zvakananga kubva pamari yekudzidzira mari yekuverenga.
Uyewo, unofanirwa kushandisa zvose zviri zviviri uye chikwereti chaunofarira kubva kuChechi Yenyu yekuchengetedza zvikwereti kuti ndibhadhara mari yakakodzera. Kana kukosha kwezvisungo zvako kudarika chikamu chemari yako yakakodzerwa mari inobhadharwa mukati megore, mari yaunogona kuisa kunze kwemitero yako yakaderedzwa p rata. Ichi ndicho chikonzero iwe ungada kufunga kuti uchinge uine mazana mashomanana mapepa eChechi Ichechi dzekuchengetedza panzvimbo dzezvishomanana zvemasangano ezvitendero. Unogona kuvadzikinura mumabhati maduku kuti ubatsire kuti izvi hazvisi dambudziko.
Nhepfenyuro I Kubhadhara Mitero Yemitero Inofananidzwa neChungeterwo EE Bond Imisoro Mitsva
Nyaya Yechipfuva yebhadharo inobhadhara yakafanana neyemitero yemitero yeEnde EE kuchengetwa zvisungo . Kana iwe uri wega zvose sechikamu chemari yako yakasarudzwa yemari, izvi zvinofanira kuita kuti kuverenga zvive nyore nyore kuita kana nguva inosvika yekubhadhara muzvisungo zvako uye kubhadhara mubhadharo wechikoro.
Zvimwe Pamusoro peNhepfenyuro I Savings Bond
Iwe unogona kuverenga Mutungamiri wedu wekutsvaga muChechi I Savings Bonds . Izvi zvichakutungamira nematoni ezvinyorwa pamusoro pezvisungo zvekuchengetedza, kunyanya nhepfenyuro yandinosunga bhadha, kusanganisira maitiro aunogona kuwedzera kwavari pamasitoreti ako, miganhu yegore rokutenga, umiridzi wezvinodiwa, mutero wekubhadhara, nezvimwe zvakawanda.