Zviwanikwa Zvikuru Zvausina Kumubvunza
Hapana mubhadhari anotarisa kubhadhara mitero yakawanda kudarika zvinodiwa kana achisarudza mutengo wemari. Asi ruzivo rwekutsvaga ruzivo runogona kukubvisa iwe kana usingazivi zvavari uye kuti vanoita sei.
Dzidzidzise ikozvino pamusoro pekugoverwa kwekutsvaga kwekuita uye kuva muweti wepamusoro.
Nzira yei Mutual Fund Capital Gains Distributions Inosvika
Gore roga rega, kazhinji mumwedzi miviri yekupedzisira yegore, mutual fund shareholders vanotarisana nekana yekuwana mari inowanikwa kubva kune mari yavo. Asi izvi hazviwani mari yezvakanaka.
Aya makuru ekubudirira kugoverwa ndiwo mugumisiro wehutungamiri uchitengesa zvikamu zveimwe kana zvimwe zvebato rekubata panguva yegore rinotengesa. Kana iyo nyanzvi yemari inosarudza kutengesa sengo nekuda kwekuchinja mafungiro, kana kunyange kana mari yacho inofanira kungosimudza mari kune vashandi vemudzikinuri (kana muine chikwereti akatengesa zvikamu zvemuhomwe), kana shamba iri kutengeserana kupfuura iyo apo mari yacho yakatanga kutengwa iyo, mari yacho inofanira kugovera zvikamu zvinenge 95% zvekuwana kune vashandi.
Nheyo huru yekugovera inobhadharwa kune vashandi vechikwereti kunze kwekuti mari yacho inenge iri mune imwe nhoroondo yemutero-yakaremberedzwa (IRA, 401k, nezvimwewo).
Somuenzaniso, ngatitaurei XYZ Mutual Fund yakatenga masaga 100 000 emotokari makore makumi maviri akapfuura kwe $ 1.
Iko mari inotengesa zviyero zana zvemazana nhasi nokuda kwe $ 50, izvo zvinoguma nekuwana kwenguva yakareba kuwana mari ye $ 49 negawani. Mari iyi inofanira kugovera zviwanikwa kune vashandi vemazuva ano uye vashandi vanofanirwa kupa ruzivo rwekuwana pamutero wavo wekubhadhara .
Chii Chinonzi Economic Economic of the Capital Gain Distribution?
Kunyange zvazvo zvingaratidzika sedzakanaka kuwana ruzivo rwekutsvaga kwekugadzirisa, pane chaizvoizvo hapana hutano hwehupfumi hwekugovera.
Semuenzaniso, kutarisa mberi kune XYZ Mutual Fund kugovera:
- Iwe une zvikamu 1 000 zveCXYZ Mutual Fund. Iko mari inoshandisa mari yekutengesa (NAV) ye $ 10 pagoga. Mari yako inowanikwa muhomwe inoenderana ne $ 10,000.
- Nhamba yose yekubata kwako muhomwe iyi $ 10 000 (chikamu chikamu pa $ 10 per share) uye iwe unowedzerazve huwandu hwekuwana mari uye zvikamu.
- Iko mari inoparidzira nguva yakareba yemari inowanikwa sezvinotsanangurwa munyaya yapfuura. Iyo yakareba nguva yakawanda inowanikwa pakutengeswa kwematombo muenzaniso wekare ndeye 10% yemari yehuwandu yemari yakawanda yekutengesera kana $ 1 per share.
- Vashandi vechirangaridzo pazuva rekutambira vachawana $ 1 mugove wega wega wega uye NAV yemari yacho ichaderedzwa ne $ 1 pagore rekare rekuparadzanisa .
- Somugumisiro, unogamuchira $ 1 000, iyo inowanzopiwazve muhomwe.
- Tichifunga kuti hapana kuchinja mumusika wekukohwa, iwe uchiri ne $ 10 000 yemari.
Sei? Mari yechikwata ichi cheNV yakaderedzwa kusvika $ 9 nemari inowanikwa mukudhura kwe $ 1 uye iwe wakadzorera pfuma yekupa zvikamu zve1111.11 ($ 1 000 inowanikwazve muNV itsva ye $ 9 inotenga zvigaro 111.11). Kana iwe usina kudzorera pfuma, iwe waizova nezvikamu zvuru pa $ 9 ne $ 1 000 mari. Chero nzira, une $ 10 000.
Sezvambotaurwa, hupfumi huno huwandu hunoita kuti mubhadhare mutero kana iwe uine mari yekutengeserana.
Zvirongwa zvekushandira mari (IRAs, 401k, nezvimwewo) hazvibatsirwi nehuwandu hwekuwana mari. Ramba uri mupfungwa, kudzorerwa kwepfuma kunowedzerwa pamari yako yekutengesa - kuderedza pfuma yako inobhadhara apo chikwereti chinozotengeswa.
Kana iwe uri wega mutengo wemari mubhadhare yekodha iwe unogona kuisa pfungwa pane mari shoma-yezvekutsvaga, iyo inosanganisira mari yehurukuro uye mari inobhadhara mutero (kunyange mamwe mari akachengetedzwa zvakakwana ane mukana wekutengesa ). Kana zvisina kudaro, iwe unofunga kufunga nezvekushanyira webhusaiti yekambani yako yekambani kutanga munaOctober wegore roga roga kuti uone kana uye uye apo pachava nehuwandu hwekuwana zvipo.
Kana kugoverwa kuri kutarisirwa kuve kukuru, unofanira kufungisisa zvinobatsira uye kuipa kwekutora chikwereti . Zvechokwadi, unogona kutengesa mari iyi kuitira kuti usaparadzirwa. Kana iwe uchitengesa chikwereti kuti urege kugoverwa, ziva kuti kana iwe uchitenga chikwereti kumashure kwemazuva makumi matatu (zvichida mukodha yako inotengesa kana iri muIRA yako), iwe uchaputika ne IRS yokushamba mitemo .