Mitero uye Imba Yenyu Imba Usati Waenda Kubhadhara
Kana iwe uri mukomana wemakore ari kushanda mune imwe bhekitari yepamusoro uye iwe itemize kubviswa kwemitero, unogona kushandisa mukana we "tax arbitrage." Mutero arbitrage inzira inofadza yekutsanangurira kutengeserana kwepamutemo iwe unogona kushandisa kushandisa zvinokurudzira mutero.
Semuenzaniso, paunenge uchishanda, unogona kusarudza kusabhadhara mari yezvekutenga mari yako uye panzvimbo iyo unogona kushandisa zvakakwana zvipo kumabhadharo ekubhadhara mari, iyo 401 (k) zvirongwa, 403 (b) nhoroondo, kana kuti nokupa zvipo kune zvinyorwa zvekare zveIRA.
Iyi nzira yekuchengetedza mitero inoshanda kana iwe uchikwanisa kuderedza chikwereti chaunobhadhara paunotora mari yako uye uchibvisa zvipo kumabhengi ekubhadhara mutero. Iri sarudzo ndeyomubatsiro mukuru kune avo vari mabheji akakwirira emitero. Kana iwe uri iwe, saka kubhadhara mari yakawanda pamutoro wako ingasave iyo yakanakisisa yezvemari yaunogona kuita kunze kwekuti iwe uri kutokwanisa kubhadhara mutero unobhadharwa pamutero wemari.
Usaita sarudzo iyi chete kubva pamitero. Iwewo unoda kufunga nezvehuwandu hwekutsvaga kwehutano iwe unofara nekuenzanisa nekudzoka kusingabhadhari kwekubhadhara chikwereti chako.
Muzhinji, mari yakakwirira inokosha / yepamusoro mari yemhuri inogona kubatsirwa kubva pakushandisa kwekodzero , asi mari shoma / mari yakaderera yemhuri inobatsira apo inotarisa kubhadhara chikwereti.
Mukuwedzera, iwe unoda kuumba muganhu pakati pekubhadhara mutero uye kuenzaniswa kwemari; kana iwe usingaiti, mari yemitero inoderedzwa inogona kuguma kukukuvadza iwe mumakore ako ekurega basa.
Mitero uye Imba Yenyu Imwe Mushure mekunge Mushandirapamwe
Kana uchinge wapera basa, mamiriro ako emitero anogona kuchinja. Zvichida iwe uchave uri mumucheto wemutero wepamusoro. Kana iri ichokwadi, ikozvino, kutora chikwereti kutora mutengo kunobatsira kwete kukupa zvakakunakira iwe. Semuenzaniso, dai iwe uri mu 33% yebhakoni yebhorosi paunenge uchishanda, asi ikozvino mukurasira, mutero wako wekutengesa uri 15% chete, ipapo imwe neimwe yebhadharo rekubhadhara chikwereti ichi chave kuchikuchengetedza masentimita makumi matanhatu kubva pasi pawakaita apo kumusoro.
Pamusoro pezvo, kana iwe uine zvikwereti mumabhadhareji emari, chikwereti kubva kunezvikwereti izvi chichawedzera kukugadzirisa kuchinjwa kwemari yakawanda uye kunogona kukanganisa mari yemitero iwe unobhadhara pane yako Social Security retirement benefits.
Zvichienderana nemamiriro ako emitero , iwe paunenge wapedza basa, zvinganzwisisika kugadzirisa zvikwereti zvinotengesa kubhadhara chikwereti chako, icho chinogona kuderedza mari yako inotengesa kusvika apo iwe uchabhadhara mari shoma pane yako Social Security inobatsira.
Kana iwe uchifunga kubvisa zvikwereti kubva kumabhadhare emitero yakasimudzirwa kubhadhara mari yako, chengetedza. Kubhadhara kubva kumabhengi e-tax-deferred kunowanikwa mumari yako inotengesa mugore raunotora kubvisa.
Izvi zvinoreva kana iwe wakatora chunk yakawanda yemari kunze kweIRA kana 401 (k), mari yakawedzerwa inogona kukubvisa iwe mubhaketi yakakwirira yepamusoro. Iwe unogona kuve nekudzivisa izvi nekuputsa hukuru hukuru hwekusiya huchiita huwandu hwezvinyorwa zvingabviswa pamakore akawanda emakore. Somuenzaniso, iwe unogona kubvisa mari munaDecember, uye pakarepo musi waJanuary unotevera, zvakare zvakare munaJanuary anotevera, nokudaro kutora mari kunze kwemwedzi gumi nematatu asi wakapararira kwemakore matatu emakarani.
Nokufungisisa uchishandisa chikwereti chako semari yekushandisa mari, iwe unogona kusarudza nguva yakawanda yekubhadhara mitero yekuripa.