Ndinofanira Kutenga Muni Bond? Mazano Aya Anogona Kukubatsira Kugadzirisa

Mutero weTare-Equivalent Zvipira Kuenzanisa Munis neZimwe Zvikwereti

Masangano eMaspala anotumirwa nemaguta, nyika, uye dzimwe hurumende dzemunharaunda senzira yekusimudza mari yezvirongwa zvevanhu zvinotarisirwa kushanda zvakanyanya kunaka. Izvo zvinowanikwa zvinosununguka kubva kumitero yehurumende, uye kune mukanano wakanaka wekuti havana rusununguko rwehurumende uye rwemunharaunda pamwe chete kana zvikabudiswa munyika iyo mauri kugara.

Izvi zvinoita kuti munis ishandiswe zvakakwana here?

Zvichida kwete.

Munis Haisi weMunhu wese

Apo mumwe mutengi anotenga muni, ari kuratidza chido chekusiya zvibereko zvakakwirira pamari yake yekutsinhanisa mukutsinhana kwekusabhadhara mitero kune pfuma. Ndiko kushamwaridzana kwakanaka kune vanhu vanowana mari yakakwirira, asi kutenga bhizimisi inotengesa inobhadhara chikwereti chechikwata chepamusoro chinowedzera kunzwisisika kune dzimwe nyika dzose.

Saka iwe nemukati wako unofanirwa kumira sei pane-iwe-kana-kana-haufaniri-ini handii? Zvibvunze mibvunzo mashomanana mashoma usati wasarudza kana iwe unofanirwa kutenga zvigodhi zvisungo:

• Ndeipi yako federal tax bracket? Kana iwe usingazivi mhinduro yacho, tumira rondedzero yako. Kana iwe usina vanaji, tora rimwe. Kana iwe uri mumwe wevaya vanozviita-iwe-iwe pachako uyo asingakwanisi kuwana auntian, tora nguva yekutsvakurudza bhaketi yako yemutero. Iwe haugoni kufunga kuti inoramba yakangofanana gore negore kana mari yako inopinduka.
• Chii chinonzi bracket rechikwata chako? Bvisa bhati yako yemitero kubva pa100 kuti uwane bhadha yako yekudzoka. Somuenzaniso, kana wakatsunga kuti uri mu 33% bhatikiti, ipapo makumi matatu pasi makumi matatu nemakumi matatu nemazana matanhatu nemakumi matatu nemazana matanhatu nemakumi mana nemana makumi mana nemana makumi mana nemazana mana (66).

• Ndechipi chiyero cheuni iwe uri kufunga? Musoro unofanirwa nemakore gumi emitero-kubhadhara zvibvumirano zvinobereka chero kubva 2 kusvika ku335 kubva muna October 2017, asi inogona kuvimba negore kana kunyange pavhiki kana mwedzi. Tichashandisa nhamba yepamusoro munyaya iyi.
• Chii chinonzi muni tipping point? Pano ndipo paunosarudza kana imwe muni ndeyako. Gurai zvibereko-munyaya iyi 3.35 muzana-nekudzoka kwenyu kwemazana 66 kubva muzana uye muchawana 5.07 muzana. Ndiyo yako yakaenzana yemari yezvibereko. Mune mamwe mazwi, nezvose zvakadai sekukura uye kuenzanisa kuenzana, kusungirwa mutero kunobhadhara zvinopfuura 5.07 muzana kunopa kunzwisisa kupfuura 3.35 muzana mutero-kusunungurwa musungo kune mumwe munhu mubhaketi yako yemitero. Unogonawo kushandisa web-based calculator kuti uite nhamba.

• Unogara kupi? Zvikwereti pazvisungo zvose zveuni hazvisunungurwi nemitero yemitero, asi iwe uchabhadhara mitero yemunharaunda pamunowana mari kubva kuzvisungo kunze kwenyika yako. Saka kana iwe uchigara mune hupfumi hwemitemo seCalifornia kana New York, kutenga chibvumirano cheuni munharaunda chichawedzera pakubhadhara mutero. Verengai mamiriro ako ehurumende uye mutero wenharaunda yako uye chikwata chako chekudzoka, uye nyora zvakaitwa zvinotsanangurwa pamusoro apa.

Iwe unofanirwa kuudza pane chimwe chinhu kana humwe hutano hunoita kuti huve nehupamusoro pamapfotfolio ako mushure mokunge uchitamba nhamba kashoma.