Mutual Fund Tax FAQ

Gamuchira Mhinduro kumibvunzo Pamusoro pe Mutual Fund Taxation

Iwe une mibvunzo pamusoro pemutual fund taxation uye nyaya ino ine mhinduro!

Asi usati wasvika kumibvunzo uye mhinduro pane mutual fund taxation, chengetedza idzi mazita edzikodhi mupfungwa:

Nezvemitero, kune mairi maviri edzimba dzemari dzekutsvaga mari:

1. Nheyo dzezvemitero: Idzi nhoroondo dzinobhadharwa nematare emitero mushure mekuwana uye mari, zvakadai sezvikamu uye chikwereti, inokweretwa kumutengari mugore iro rawanikwa. Uyezve, kuwana (zviwanikwa) zvinotererwa apo inotengeswa inotengeswa. Mienzaniso yezvinyorwa izvi zvinosanganisira mabhizimisi edzikwereti, mabhizinesi ekubatanidza mari, uye mari zhinji dzekuchengetera mabhengi.

1. Nhoroondo dzakabhadhara mitero : Idzi nhoroondo dzakabhadharwa nemari yekare isati yatere uye / kana muhomwe (kukura) kwezvikwereti mubhuku hazvibhadharwi chero bedzi kushandiswa kwezvikwereti kuchiri mubhuku. Mienzaniso inosanganisira IRAs, 401 (k) s uye annuities.

Uye kunze kwekuwedzera ado, ndinokupa mhinduro kumubhadharo mutero unowanzobvunzwa (FAQ):

Ko Mutual Fund Inokwana Taxed?

Zvikamu zvinowanikwa kune vagovani (vatengesi) vematokisi, zvibvumirano, kana mutengo wemari. Izvo zvikwereti zvinomiririra purogiramu yekambani inoparadzaniswa pakati pevashandi. Mutual fund investors vachasarudza kana vachida zvikwereti kuti vadzoserwezve (kutenga mamwe masangano echikwata) kana kuti kugamuchirwa semari yekubhadhara mari kana kuiswa mune imwe kero.

Zvakakosha kuziva kuti mutual fund shareholders inogona kubhadharwa pamari yezvikwereti, kunyange kana kugoverwa uku kuri kugamuchirwa nemari kana kuti kunowedzerwa mune zvimwe zvikamu zvehomwe.

Mutengo wemari inowanikwa pamwe chete inowanzobhadharwa kana semari inowanikwa (inowanikwa pamutero wemutero wemumwe munhu) kana sezvikwereti zvinokwana (inotengesa kusvika ku15% yapamusoro). Zvinowanzopiwa uye zvikwereti zvinokonzerwa kune vashandi vemari vanobhadhara mari paFomu Form 1099-DIV . Pamusoro pezvinangwa zvekubhadhara mitero, mutero wevateresi (mubhadhadzi) achapa zvikamu paFomu 1040, Purogiramu B, uye Fomu 1040, mitsara 9a ne9b.

Chii Chandinoita NeFomu Yangu 1099?

Kana iwe uchigamuchira 1099 zvinoreva here kuti iwe unokwereta mitero? Kune marudzi anopfuura gumi nemaviri akasiyana-siyana emafomu 1099 asi inowanikwa 1099 mafomu anowanikwa kubva kumabasa ekutsvaga, zvakadai sezvikamu, zvikwereti, uye mari yekubvisa mari (IRA, 401k, 403b) kugoverwa. Mhando dzakawanda zvikuru dze1099 dzakagamuchirwa nevashambadziri dzinosanganisira 1099-R, 1099-DIV, 1099-INT uye 1099-Q.

• 1099-R: Iyi fomu inotarisirwa kutumirwa kwauri kubva kumudzidzi wekambani yekubvisa mari, yakadai seIRA, annuity, pension, chirongwa chekugoverana kwevanhu kana 401 (k) hurongwa , kana wave nekugoverwa kwemhando panguva yemutero. Ramba uchifunga kuti kugovera hazvireve kuti kurega kubvisa mari . Taura zviri nyore, kugovera kunoreva kuti mari yakadzingwa kunze kwebhuku. Mienzaniso yemhando dzekugoverwa dzinosanganisira chikamu kana kuti zvizere mari yekusiya kana IRA rollover.
• 1099-DIV: Iyi fomu inotumirwa kumutengesi kubva kune mutual fund kambani kuratidzira rekodhi yezvikamu zvose uye mari inowanikwa mubhadhari mugore rekubhadhara. Vamwe vatengesi vanogona kuvhiringidzika nefomu 1099-DIV nokuti vangave vasina kugamuchira chero rudzi rwekubhadhara mari kubva kune zvikamu chero zvipi nezvipi kana mari inowanikwa mukati megore. Kunyange kana ukasarudza kupiwa zvikamu zvekugoverwa, iwe uchiri kugamuchira chikamu. Uye kunyange kana usina kutengesa zvikamu zve mutual fund yako, iwe unogona kunge uine mutual fund mari inowanikwa.

• 1099-INT: Iyi fomu inotumirwa kubva kumasangano, akadai mabhengi, kune avo vanoita zvekambani vakagamuchira chikwereti chekubhadhara kweanenge $ 10 panguva yemutero wegore. Chido, kwete kuti chivhiringidzike nezvikwereti, zvinonyanya kuitika mumabhengi ekuchengetera mabhengi, Zvitatimiti zveDhipatimendi, nemari yemari yemari .
• 1099-Q: Iyi fomu inotumirwa kune varairidzi vakagamuchira kugoverwa kubva kuCoverdell Education Savings Account (ESA) kana Chikamu cheSigaba 529. Kazhinji, vateresi havakwanisi kubhadhara mitero pazviparidzi zvisingasviki kana zvakaenzana nedzidzo dzemari dzinokwanisa .

1099 mafomu anowanzoendeswa kune vose IRS uye kune mumwe munhu anenge aripo mutero kubva kuchipatara (kureva mutual fund kambani kana bhangi) uyo akagovera chikamu, kuwana mari, chido kana mari yekuregererwa. Saka hazvisi nguva dzose kuti munhu wacho atumire kopi yake kune IRS nemutero wayo.

Zvisinei, zvakakosha kuchengeta 1099s uye mamwe magwaro anopa uchapupu hunotsigira hwebasa rako rekubhadhara uye risingaiti. Mune mamwe mazwi, vatengesi vanofanirwa kugadzirirwa kuongororwa kwemitero , iyo inoda zvinyorwa zvemutero wako weferensi.

Chii Chiri 5498?

Fomu 5498 inyaya yemutero yakabhadharwa nevatengi vematarenda akaremerwa nemitero, yakadai sedare reIRA, Roth IRA, SEP-IRA, kana SIMPLE IRA. Iyo fomu inotumirwa nedare rezvemari apo iwe unobata account yako uye kopi inotumirwa ku IRS. Saka haufaniri kutumira 5498 yako ku IRS negore rako 1040 mutero wekutumira. Iwe uchazogamuchirawo fomu 5498 yega yega yega yega iwe unobata.

Fomu 5498 ndeyezvikonzero zvekuziva uye inosanganisira zvipo zvaunenge waita, mararamiro akanaka pamusika wekuguma kwegore, uye ruzivo rwekutora runoda kugoverwa kuduku. Pamwe chete ne1099-R yako, yako 5498 inotumirwa (yakarongedzwa) neJanuary 31, zvichienderana negore rekutere.

Ndeupi Mutual Fund Capital Gains Distributions?

Stock mutual funds inogona kuisa muzvizhinji kana mazana ematokari. Kazhinji mutual fund manager achatenga uye kutengesa zvikamu zvezvikwata zvematokari mukati memari yekubatana panguva ipi zvayo gore rakapiwa. Apo mutungamiriri anotengesa zvikwereti zvakagadziriswa kubva kubva panguva yaakatenga mashizha iwayo, mabhizimisi aya anoita kuti pfuma iwane mari, iyo inobva yapfuurirwa kumudzimai (iwe).

Ndingaverenga sei Mavhesi Anoshandiswa kuMutual Funds?

Nheyo dzemari dzinoshandiswa kutsvaga pfuma yako kana kurasikirwa kwezvinangwa zvemitero kana iwe uchitengesa mari yako pamwe chete (kana mamwe maitiro ekutsvaga). Iko mari yekutengeswa ndiyo mutengo unotenga we mutual fund (kana imwe pfuma) pamwe nemari inowanikwazve uye inowanikwazve mari inowanikwa.

Ita zvinyoronyoro kana iwe uchitengesa mutual fund yako pamutengo wakakwirira (unoratidzwa seNet Asset Value kana NAV ) kupfuura iwe wautenga, une mukana. Kana iwe uchiitengesa pamutengo wakaderera, une kurasikirwa.

Asi chii chinoitika pawakatenga zvikamu zvekutengeserana mari panguva dzakasiyana-siyana uye mutengo?

Paunowana mutual fund mitsva panguva dzakasiyana-siyana uye mutengo, iwe uchada kuverenga mavhareji ezvo.

Kuti uverenge muvhareji hwaro (Kubva: IRS.Gov - Mutual Funds (Mariro, Kuparadzanisa, nezvimwewo))

• Wedzerai mari yezvikamu zvose zvaunazvo mune mutero wekudzivirirana.
• Gurai chigumisiro ichocho nenhamba yezvikamu zvaunenge uine. Izvi zvinokupa iwe wega wega wega.
• Wedzera muvharo wega wega purogiramu yezvikamu zvakatengeswa.

Iwe unogona kusasashandisa nzira yepamusoro-soro yekufungidzira iwe wega wega hwaro.

Chii chinonzi Net Unrealized Appreciation (NUA)?

Net Unrealized Appreciation (NUA) inogona kuitika kana iwe ukabvisa kambani yako yekambani kubva kune yako 401 (k) uye uiendese iyo yekodha rekwereti yekwereti. NUA inokosha kana iwe une kambani yekambani yakayemura zvikuru uye iwe uri kutengesa mari kubva kune mutero-akambomira mushandi-anoronga basa rekurega basa, rakadai sa 401 (k). Ramba uchifunga kuti zvipo zvakadai saizvozvi zvinowanzobvumirwa chete kana iwe uine chiitiko chinokurudzira, chakadai sokurega basa kana kupera kwebasa.

Pamusoro pekugoverwa, NUA haisi pasi pemutero unowanikwa pamari. Nokudaro, inogona kuva yakachenjera kuita kutengeswa kwekambani yekambani mune imwe nguva yekambani yekubhadhara, pane imwe yemotokari yekuchengetedza mari, yakadai seIvidual Retirement Account (IRA).

Nenzira iyo, pfuma ipi neipi pamiganhu yako ichakanganiswa (pose paunosarudza kutengesa zviyero) panguva yakareba-ye-capital-gains rates, iyo inogona kunge yakaderera se 15%. Zvisinei, kana iwe uchinge waisa mukana wekambani yako muIRA, zvose zvinokonzerwa zvinokonzerwa nemitero yemari yemari, iyo inogona kunge yakareba se 35%.

Ndingaita Sei Kuti Ndirege Kudzivirirwa Mutero Wemutual Funds?

Mari yemari yakafanana haina kufanana nedzimwe dziviriro dzekutsinhanisa, dzakadai sematokisi, nokuti inongova mahofisikoti asina kuroorwa, ayo anonzi mari inotengeswa, iyo inobata mazana kana mazana ezvimwe zvivimbiso.

Nokudaro basa rekubhadhara rinoitika sechikamu chekutengeserana kwekubhadhara mari kunoenderera mberi nemutoro wemitero kwauri, mutual fund investor. Semuenzaniso, kana chikwata chakachengetedza muhomwe yako chekubhadhara chikwereta zvikwereti, saka mutungamiri wemari gare gare anotengesa chikwata pamutengo wepamusoro kupfuura iye kana kuti akabhadhara, iwe uchabhadhara mutero pamatanho maviri: 1) Mutero werudzikinuro, inowanzobhadharwa semari inowanikwa, uye 2) Imari inowanikwa mubhadharo, iyo ichabhadhara pamitengo yakawanda inowanikwa.

Uye kunyange kana iwe ukangobata mari yekutengesera kwemwedzi mishomanana uye usina kutengesa chero zvikamu, zvinoita kuti iwe ugone kugamuchira nguva yakareba yekuwana kuparidzirwa kwekuita (uchifunga kuti mutual fund yakachengetedza chikafu kweinopfuura gore) . Saka mitero yakaparidzirwa iwe inokonzerwa nemabasa mukati memari yekutengeserana, kwete nekuda kwemari yako yekuita mari.

Kana uchienda kunotengesa mari yako yekutengeserana, yeuka kana iwe wakatobhadhara mitero pazvikamu zvakadzorerwa zvakare. Somuenzaniso, kana iwe uchitenga mari yekutengeserana pa $ 10 000 uye uchiitengesa gare gare pa $ 15,000, iwe unobhadhara $ 5,000 mutengo wemari inowanikwa, zvakanaka? Kwete hazvo! Kana iwe wakanga ubhadhara mitero pa $ 1 000 yezvikamu panguva yako yekubata nguva, chikamu chako chekubhadhara chinogona kungova $ 4,000 chete.

Ndinowedzera sei kutenga Mutual Funds uye Kuderedza Mitero?

Iwe wakangodaro wakapa pfungwa dzakawanda mukusarudzwa kwekutsvaga kwekutsvaga uye wakashandisa mazano ekugadzirisa mararamiro asi iwe ungasave wakapa pfungwa dzakawanda kune nzvimbo yako yepamusoro kana kuti mari yako pamwe chete inonyatsotengeswa .

Mitero yakasiyana zvakanyanya mumatare emitero akaremberedzwa pane kuverengwa kwekodhadhi. Kutengesa mutengo wemari mune imwe nhoroondo yemutero, yakadai seIRA kana 401 (k), haizogadziri mari inowanikwa mubhadharo. Kutaura zvazviri, kutengesa mari hakuiti mitero zvachose (kunyange mamwe mari pamwe chete mari anogona kushanda). Uyezve, kuwana mari kubva kune zvikwereti hazvibhadharwi muIRAs kana 401 (k) s kusvika kubviswa pane imwe nguva, zvakadai sekurega basa.

Yeuka kuti imari yakabatwa mukambani yekwereti inotengesa kune mari inowanikwa uye mubereko inowanikwa (zvikamu). Somuenzaniso, kana iwe uchitengesa mari yekutengeswa pamutengo ( NAV ) yakakwirira kupfuura mutengo wautenga, iwe uchava nemari yaunowana iyo iwe uchabhadhara mutero. Uyezve, chero ipi zvayo inowanikwa mubereko (zvikamu) zvakabhadharwa muzvikwereti mubhuku rekubhadhara mari inotererwa semari inowanikwa mari, sekunge kana iripo apo iri kugamuchira mubhadharo kubva kumushandi.

Saka, kana zvichibvira uye zvakakodzera zvezvinangwa zvako zvekutsvaga, iwe unogona kuderedza mitero nekuchengeta mari inowedzera mari-yakawanda, yakadai semari yebhadha uye chikamu chekugovera-mazai emari, mune yako 401 (k) kana IRA, uye chengetedza mari yako yepamusoro , zvakadai sokuwedzera mari yemari, mari shoma yemari, mari yekuenzanisira, uye ETFs, mubhuku rako rekubhadhara mari.

IRS Publication 550 ndiko kwaunowana ruzivo rwakakosha pamusoro pemutero wemutero wekutengeserana kwemari nemari yemari yemari.

Pub 550 inotsanangura:

• Ndeupi wekusimwa mari inotengesa uye ndeipi inotengeswa mari inodzingwa,
• nguva uye kuti ungaratidza sei zvinhu izvi pamutero wako wekudzokera,
• nzira yekugadzirisa nekupa ruzivo ruzivo nekurasikirwa pane zvido zvekutsvaga mari,
• uye ruzivo pamusoro pezvinhu zvepfuma uye matura emitero.

Ndezvipi Mutero Winobhadhara Ratio uye Ndinoiwana Sei?

Mutero wedhauriro wezviyero unoyera chiyero chegore rinoshandiswa mubhadhadzi anotasikirwa nemutero. Semuenzaniso, kana mutual fund's tax cost ratio iri 2% uye kudzoka kweropa iri 10%, mubhadharo wekutsvaga kwemutengo mushure miteere ndeye 8%. Kuti uwane mari inobhadhara mutero, iwe uchaona kutsika kwemari mari yakatarwa.

Mambakwedza ihurumende inobatanidza kutsvakurudza uye kutsvakurudza kambani inotarisa uye inopa mutero mari yehuwandu. Heino nzira yekuwana nayo pawaiti yavo:

• Enda kuMotastar.com.
• Pinda chiratidzo cheTikiti kumusoro peji.
• Iye zvino uri pane peji ye "chikamu" chegwaro.
• Dzvanya pamusana we "Mutero" pane bhari rechashandisa pasi pezita rechikwata.
• Mutero-mari yehuwandu uri papeji ino.

Kana uine mamwe mimwe mibvunzo, usatya kuedza webasa re Internal Revenue Service pa IRS.gov. Hazvisi zvakaoma sezvamungafunga!

Zvinonzwisisika: Mashoko ari pawebsite ino anopa mazano ekukurukurirana chete, uye haafaniri kushandiswa zvisina kufanana semazano emitero kana mazano ekutsvaga mari. Taura neunyanzvi hwemitero kuti iwe uwane mazano akanaka pamutero wako. Pasinei nemamiriro ezvinhu iyo ruzivo runomiririra hutungamiri kutenga kana kutengesa zvigumisiro.