Kuverenga Mavhesi Ezvinetso uye Mazuro Okutanga Pamutengo Wemari Unobatanidzwa
Asi usarega mitemo yakaoma yemitero inokutyisidzira iwe kubva pakudyara. Mimwe mitemo inokosha inogona kubatsira kuita pfungwa dzekuita.
Capital Gains Distributions
Mutengo wemari inowanzotengesa mari yekubatsira dzimwe nguva gore rose. Mari yacho inogovera zvikwereti kune vagovani vemukana nenzira yekupiwa mari huru.
Kugoverwa kwemajeri kunowanikwa muFomu 1099-DIV, iyo inoratidza zvikamu uye kugoverwa kwezvibereko zvakabhadharwa gore rose. Kugoverwa kwemahombekombe ekubhadhara mari kunowanikwa mushure mekugara kwenguva yakareba kwekuwana mitero yemitero pasinei nokuti iwe pachako iwe pachako uine zvikamu zvakadini muhurumende yekutengeserana. Kazhinji, nguva yakareba mitengo yakachengeterwa zvinhu zvawakave nazvo kwenguva refu kupfuura gore. Nguva yakareba mitengo yakakosha kupfuura yakaderera nguva yemazinga, naizvozvo mutemo uyu chinhu chakanaka.
Kugoverwa kwekubhadhara mari kunogona kuziviswa zvakananga paFomu 1040 kana usina imwe mhindu inowanikwa.
Kana zvisina kudaro, mari inowanikwa kugoverwa inorondedzerwa pane Purogiramu D pamwe nezvimwe zvinowanikwa nekurasikirwa .
Capital Gains Apo Uri Kutengesa Mutual Fund Inowanikwa
Iwe unogona kuverenga kuwana mari yako kana kurasikirwa kwemari imwe neimwe inoshandiswa iwe unotengesa iwe paunotengesa zvikamu, uye apa ndiko kunowedzera kuoma.
Kana iwe wakabhadhara muhomwe kwenguva yakareba, iwe uchange uine zvakasiyana-siyana mazano uye nguva yakasiyana yekugovera yega yega mugove wako.
Iko Internal Revenue Service inokuita kuti usarudze imwe yenzira dzakasiyana siyana dzekuverengera kuti uverenge kuwana kwako. Iwe unogona kuverenga kuverenga zvose mumhando yekuedzwa kunotarisa kuti uone kuti ndeipi inobatsira iwe. Izwi renyevero, zvisinei-iwe unofanirwa kubatana neyoyo nzira pamwe chete nemari yakabatanidzwa pamwe chete iyo inotungamira apo unoshandisa imwe nzira yekugadzirisa kuti iwe udzorere mutero wako wekudzokera. Wakavharwa mukati, pakupedzisira kune iyo mari. Iwe unogona kusarudza maitiro ezvokuverengera maitiro ega yega mutual fund yaunayo.
Nzira Dzakabvumirwa Kubhadhara Maitiro
Nzira ina dzinotenderwa kuverenga mabhuku ndei:
- Zvechokwadi mari inoshandiswa kushandisa uchitsanangudzo chaiyo
- Zvechokwadi mari yekushandisa kushandisa yekutanga-in, kutanga-kunze kwekuzivikanwa
- Average cost basis, single-category method
- Avhareji yenheyo yepamusoro, kaviri-category nzira
Kunyatsozivikanwa kweMutual Fund Cost Basis
Nzira chaiyo yekuenzanisira yekugadzirisa ndiyo nzira inosarudzwa yeva investy savvy asi inoda kuramba ichicherechedza tsanangudzo. Iwe uchada kuchengeta nhamba yega yega yezvikamu zvaunotenga uye kutengesa, uye wako mutengesi anofanira kukubvumira kutengesa zvikamu zvakananga.
Iyi sarudzo inowanzopiwa mukati mekutengeserana kwemari yekambani yekutsvaga basa rekucherechedza.
Chiratidzo chaicho chinokuita kuti usarudze zvikamu zvekutengesa nokuda kwekukwanisa kubhadhara mutero. Mumwe mutengi angada kutengesa mari inobhadhara mari yakawanda yekugadzirisa mamwe kurasikirwa, kana kuti angada kutengesa zvishoma zvingabhadharwa zvinowedzera kuderedza mutero wemari inowanikwa.
Kutanga-Mu, Kutanga-Kubuda Nzira yekuziva
Kunyange kana iwe usingakwanisi kutsanangura zvikamu zvakatengeswa kuti uzvitengese, iwe unogona kushandisa iko chaiyo mari inoenderana nenzira. Iwe unogona kuchengeta nhamba yemari yako yezvikamu zvakawanda zvezvikamu zvaunotenga uye wotora kuti mitsara yekutanga inotengeswa ndiyo yekutanga yaunotenga.
Average Cost Basis, Single Category Method
Iwe unogona kuverenga yako yega yebhadharo yepamusoro maererano nemutengo wawakabhadhara mugove wega wega uchishandisa nzira iyi, kusanganisira zvipi zvadzo zvakadzorerwa zvakare uyezve kupiwazve mari inowanikwa.
Ivhareji yemari inoshandiswa ndeye mutengo wekutenga wezvikamu zvose zvakagoverwa nehuwandu hwezvikamu zvawaiva nazvo panguva iyoyo. Kana iwe uchitengesa zvimwe zvikamu, zvinofungidzirwa kuti zvinotengeswa pakutanga-in, kutanga-kubva. Mari yako inowanikwa inoshandiswa uchishandisa kubata nguva yezvikamu zvekare zvakatengeswa, kunyange iwe uri kutengesa musanganiswa wezvenguva refu uye yenguva shoma.
Average Cost Basis, Double Category Method
Iwe unogona kuverenga bhadharo yako yepamusoro pamutengo wakabhadharwa nemugove wega wezvikamu zvawatenga nemugwagwa uyu, kusanganisira zvipi zvadzo zvakadzorerwa zvakare uyezve kupiwazve mari inowanikwa. Asi iwe unofanira kuparadzanisa zvikamu zvako munguva yakareba uye kwenguva pfupi yezvikwereti, saka kuverenga mavhareji emari yega yega yega yezvikamu. Ivhareji yemari inotengeswa ndeye mutengo wekutenga wezvikamu zvose muboka rimwechete rakapatsanurwa nenhamba yezvikamu zviri munharaunda iyoyo. Paunotengesa zvikamu, zvinofungidzirwa kuti zvikamu zvinotengeswa pakutanga-in, kutanga-kubva.
Kudzorerwa Kugoverwa uye Kugoverwa Kwemari Kugoverwa
Vazhinji vatengesi vanodzokorora zvikwereti uye kugoverwa kwemari kunowanikwa kubva kumari yavo. Kuwedzerwa kwega rega kunofanidza sekupararira kwemari uye mari yekuwedzera mari. Izvo zvikwereti uye kugoverwa kwemari kunowanikwa mune mari inotengesa. Zvimwe zvikamu zvakatengwa muzvigadziridzo zvine zvigaro zvadzo zvekuda, iyo ndiyo mutengo wokutenga wezvikamu, uye nguva yavo yekubata.
Kuchengetedza Mutual Fund Zvinowanikwa
Kuchengetedza zvigaro zvako zvinogona kuva basa rinopedza nguva. Inogona kubatsira kushandisa Quicken kana Microsoft Money kuchengeta nhamba yemari yako inowanikwa.