Mutero we Mutual Fund Zvikwereti
Kana iwe uri kutarisira kutenga mutengo wemari inobhadhara chikamu, yakachenjera kuziva kuti zvikamu zvakabhadharwa zvinotengwa sei vasati vatenga. Iwe ungatotorawo kuti mari inoparadzanisa haisi iyo yakanakisisa mari yekutenga kune zvinangwa zvako zvekutsvaga kana mamiriro emitero. Iwe zvechokwadi hausi kuda kushamisika kuti nei iwe une fomu 1099 munaJanuary nokuti iwe hauna kuita basa rako rechikoro pamutual fund taxation mberi.
Saka kuti ugadzirire kugadzirisa mutero wekutengeserana kwemari, tinotanga nemitemo yekutanga nekupindura mibvunzo shoma shoma:
Chii Chinoparadzaniswa?
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 kune imwe kero.
Apo Mutual Fund Inokwana Taxed?
Zvakakosha kuziva kuti mutual fund shareholders inogona kubhadharwa pamari yezvikwereti, kunyange kana kugoverwa uku kuri kugamuchirwa nemari kana kuti kunowanikwa mune mamwe mashopu ehomwe. Uyezve, kune dzimwe nhesi-dzakatarirwa uye dzekodha-dzakabhadharwa nhoroondo, dzakadai seIRA, 401 (k) kana annuity, zvikwereti hazvibhadharwi kumusimari paanenge akachengetwa munhoroondo. Pane kudaro, mutero wacho achabhadhara mitero yemari pamitambo yekubvisa panguva yegore rinotengeswa kugovera (withdrawal) kunoitwa.
Zvimwe mari pamwe chete, zvakadai seMasipala Bond Funds zvinogona kubhadhara mari kune vashandi vanobvumirwa kubva kune federal taxation.
Nezvekodhakodha dzekodha, dzakadai sedare rega rega uye rekubatanidza kubhadhara mari, mutual fund dividends inowanzobhadhara kana semari inowanikwa mari (taxed pamunhu mumwe chete mutero wekutambira) kana seyakakwanisa kuwana (inotengesa kusvika 15% muzinga wepamusoro).
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.
Kwegore remitero gore ra2016, avo vanobhadhara vateresi vanoda kuziva nekuda kwekubhadhara kwavo mutero muna April we 2017, heinoi mitero yemitengo yezvikamu:
- Zviwanikwa Zvitsva : vanhu uye vakaroorana nevateresi mu 10% uye 15% mabheji emitero vanobhadhara 0% pazvakakodzera zvikwereti uye mari zhinji inowanikwa.
- Zvikamu zvakakosha : Mari inogamuchirwa ichakweretwa pamutengo wakafanana neyenguva refu yekuwana mari.
- Mutero Wemitero : vanhu vari mu25%, 28%, 33%, uye 35% yehurumende yemari yemari yebhadharo ichabhadhara 15% pamubhadharo mukuru, apo vateresi mu 39.6% bracket vachabhadhara 20%.
Ndingawanepi Ruzivo Rwakawanda pamusoro peMutual Fund Taxation?
Kuti uwane mamwe mashoko ehurumende yemari inobhadhara chikamu, iwe unogona kutarisa nyaya ino pamusoro pekugoverana kwemari pamwe chete .
Kana iwe uchida kuchengeta mitero kune zvishoma, verenga nyaya ino pamusoro pokuti ungaderedza sei mitero kune mutual funds .
Kuti uwane mamwe mashoko nezve mutual fund taxation, unogona kutaurirana nemubatsiri wako wemutero kana kutumira IRS Publication 550.
Zvinonzwisisika: Mashoko ari pawebsite ino anopa mazano ekukurukurirana chete, uye haafaniri kushandiswa zvisina kufanana semazano emitero kana mazano ekutsvaga mari. Pasinei nemamiriro ezvinhu iyo ruzivo runomiririra hutungamiri kutenga kana kutengesa zvigumisiro.