Mutungamiri weMutangisi we Mutual Fund Distributions

Dzidza Pamusoro Pezvinhu zvitatu zveMutual Fund Distributions

Kugoverwa kubva kune rimwe boka rezvemari kunongowanikwa mubhadharo. Kusiyana nekambani imwe neimwe inogona kusarudza kana kuchengeta purogiramu kana kuidzorera kune vagoveri vari muchimiro chekugoverana kana kuburikidza nekugoverana buyback, mutual fund inotarisirwa nemutemo kudarika zvikwereti kumashure kune varairi vayo, kana vagovana.

Yeuka: mari yekutengeserana ndeyekuchengeteka kunobvumira vashandi kuti vadzidze mari yavo mune imwe yepamusoro yekuchengetwa kwemari .

Kune marudzi akawanda emari pamwe chete nechinangwa chakasiyana nekufambisa mafilosofi, asi mumwe nomumwe anofanira kupfuudza zvikwereti kune varairi vomufambiro wekutengeserana kwemari, iyo inogona kunge yakafanana neipi yeiyo mitatu yekuparidzira:

1. Zvinowanzopiwa
2. Zvikamu Zvakakodzera
3. Capital Gains

Kusiyanisa pakati pekubatana kwezvikwata zvekuchengetedza mari kwakakosha, kunyanya nokuda kwezvinangwa zvemitero. Ngatitarisei pane imwe neimwe yemhando dzekupararira.

1. Zvidimbu Zvikamu

Zvikamu zvinowanzoitwa zvinomiririra mari inobhadhara mari inenge isiri kubva kune mari inowanikwa (ona nhamba 3 pasi apa kuti uwane mamwe mashoko pamusoro pekuwana mari). Kune mari yekutengeserana, mari inowanikwa mubhadharo inobhadhara chikwereti icho chikwereti chakatambira uye chakagoverwa kuvasimari sezvikamu zvinowanikwa. Nhepfenyuro inowanikwa uye zvikwereti hazvikwanisi kuwana tsananguro inokodzera yemugove uye saizvozvo yakabhadhara mutero wevatori vemutero .

2. Inokodzera Kugoverwa

Maererano neshoko re IRS, zvikwereti zvakakosha ndezvi:

"Zvose zvinowanikwa mumakore emitero anotanga mushure me2002 izvo zvinowanikwa kune imwechete ye5% kana 20% yepamusoro yekutengesa mutero inoshandiswa kumatare emari."

Zvichinyorwa, zvikwereti zvakakosha zvikamu zvinokonzera zvinosangana nezvimwe zviyero zveUnited States mutero uye saka zvinozviisa pasi kune mutero unofadza.

Panzvimbo pekubhadhara mubhadharo wemutero wevatengesi vemari, mumwe anowanikwa muzvikwereti anotengesa kune izvo zvinozivikanwa semutengo wekubhadhara mutero iye zvino une mazana 20%. Kuti uenzanise nematare eUnited States emitero inowanikwa kunze kwekubhadhara mari inowanikwa mutero , tarisa chati inotevera:

Mutengo Wemari Wokubhadhara Mutero Wemari	Inowanzopiwa Mutero Wemitero	Anokodzera Dividend Tax Rate
10%	10%	0%
15%	15%	0%
25%	25%	15% -18.8% *
28%	28%	15% -18.8% *
33%	33%	15% -18.8% *
35%	35%	15% -18.8% *
39.6%	39.6%	20% -23.8% *

* Izvi zvinokonzerwa nemitero yemitero inoratidzira mararamiro kuitira kuti inyore mari inogona kuwanikwa yeNet Investment Imitero ye 3.8% iyo muzvinabhizimisi angave akazviisa pasi kana kuchinja kwavo kuchinjwa Gross Income (MAGI) kana pamusoro pemutsetse wakatarwa. Uyu mutero unozivikanwawo sePirate surtax.

Kuti chikamu ichocho chionekwe sechidimbu chinoshandiswa pane chekugoverana, zvikwereti zvinofanira kubhadharwa nehurumende yeUnited States kana sangano rinoshandiswa kune dzimwe nyika uye mari inobatanidza iyo inobhadhara chikwereti chebhadharo inofanirwa kunge yakave yakabata hutano kwemazuva anopfuura makumi matanhatu panguva yezuva 121-iyo inotanga mazuva makumi matanhatu isati yasvika musi wekuparadzanisa (zuva rokutanga richatevera mushure mekuzivisa kwechikamu icho mutengi wemugove asingagamuchiri chikamu chinotevera chekubhadhara.

Pane kudaro, mutengesi achawana chikamu). Kana zvisina kudaro, chikamu chacho chichabhadharwa pamutero wemutero unowanikwa.

3. Zvikamu Zvikuru

Kana iri mari yekutengeserana, iyo inowanikwa mari inowanikwa mukutengesa kuchengetedzwa mune zvayo. Iyi ndiyo imwechete inobatsira mumwe munhu aizotora mari kuti aite kana vachizozvitengesa mumwe munhu pamutengo wakakwirira kudarika zvaiwanzobhadhara mari yacho. Kana iyo mutual fund (kwete yevashandi vemari) yakachengetedza kuchengetedza kwegore rinopfuura rimwe, purofiti kubva kutengeswa inobatwa seyenguva refu yekuwana mari, iyo inotarisirwa kusvika kune 20% inotora mutero we mutual fund shareholders ( uye inotevera iyo inofanirwa nemitero inoshandiswa semutengo unobatsira). Kune rumwe rutivi, kana chikwata chichiitwa muhurumende yehurumende yepasi pegore risati rapera, purogiramu inowanikwa nekutengesa mari yacho inotorwa seiyo nguva pfupi inowanikwa mari uye ichakweretwa kune mubhadharo wemari inowanzobhadhara mutero chete sezvo chikamu chakanaka chiri.

Kugoverwa uye Mutual Fund Kutenga Chirongwa

Kana zvasvika pakutengesa mari yekutengeserana, mutero unobhadhara wemari yekugovera mari inofanira kutorwa mukutarisa. Chikanganiso chinowanzoitwa muhurumende yekutengeserana mari ndiyo inonzi " kutenga-the-dividend ," kureva, kutenga mutual fund mitsara nguva isati yatora chikamu chekugoverana. Kana uchitenga chikamu, mutyairi ane kodzero yekubhadhara mutero wezvino wekugovera. Kana ukaronga huwandu hwekutsvaga mari muhomwe yemari yako yekodha, iwe unofanirwa kutarisa purogiramu yekugovera mari uye kugadzirisa chirongwa chako chekutenga maererano nekudzivisa kutenga-chikamu.