Itai Kuti Vagari Venyu Vagadzirire 'Imari Inowanikwa Mitero uye Chengetai Mari Yakawanda Mumhuri Yenyu
Kutungamirirwa nenzira yakarurama, iyo yakatsika-shanduka yakagadzikana ndeyea ace inowedzera mari yako yekuunganidza sleeve. Ndaizoenda kune imwe nguva kuti ndive pedo yechipiri kusvika kune mapatya maviri eRoth 401 (k) uye Roth IRA maererano nekuunganidza mari mumutambo unobhadhara mutero mukati memiti yemhuri apo uri kutora multi-generational approach. Mune mamwe mamiriro ezvinhu, inogona kunyanya kusarudzwa kuIRA yakagara nhaka .
Chii chakakonzerwa nechep-up based loophole? Pasi pemutemo wemitero ikozvino muUnited States, kana iwe ukafa, mashizha akakodzera, dzimba, uye dzimwe dzimba dzehupfumi hwaunobva kune vadyi venhaka dzako dzinotora mari yepakutanga dzakaparadzwa zvachose. Vagari venhaka vako vanobva vaita sokunge vakatenga nhumbi kana chivako pamusika wekutengeserana kwepamusi pazuva ravakagara nhaka yefa. Izvi zvinogona kuva zvakakosha zvikuru - zvakaoma chaizvo kudarika kana iwe uchinzwisisa nhamba - kwenguva yakareba, kutenga-uye-vanoita vatengesi avo, kuburikidza nehupenyu hwavo chaivo, vanogona kuvaka masaya-kudonhedzera mitero yakateresi yakasara inovabvumira kukura mambure avo anokosha zvakanyanya kudarika izvo zvingave zvichiitika nokuti vanonzwisisa kuvhiringidza mari ye "switching cost".
Muenzaniso Wokuti Nzira Yakakonzerwa Sei Inotarisa Inogona Kutarisa Munyika Yechokwadi
Fungidzira iwe uri kubudirira zvakanaka. Kufanana nemhuri imwe chete pairi muUnited States, unowana mari shoma ye $ 8,333 pamwedzi. Iwe unorarama pasi pezvinhu zvako. Uyewo, iwe wakafanana nehuwandu hwemhuri dzeAmerica mune kuti hauna kadhi rechikwereti kana chikwereti chemudzidzi .
Tichafungidzira kuti iwe hauna kufanana nevatenzi veimba vatatu vasina pamba, asi, panzvimbo yazvo vaifanira kutenga mari yekutenga imba yenyu saka kune dzimwe nguva kubhadhara kunobatanidzwa asi ivo vanozvininipisa nekuti iwe unofungisisa nemari yako. Unoronga kubhadhara izvozvo usati warega, kunyange zvakadaro, saka hazviiti kuti iwe urege kurara usiku.
Iwe unosarudza kuti iwe uri kuenda kunoponesa 1/10 yekutangira kwako kubhadhara mutero mune imwe kambani yekwereti yekutengeserana kana kuburikidza nezvirongwa zvakakwana zvekutenga zvitsuwa uye hama yavo yakabatana, DRIPs . Iwe unotora mubhasiki yemasokisi anowanzobatanidzwa pamavhareji emitengo yekudzoka . (Nokuda kwekunzwisisa, tichafunga kuti iwe wakatenga zvisizvo zvisingabatsiri-zvikwereti sezvo zvicharamba zvakarongedza mufananidzo-mberi asi pfungwa yepfungwa yakangofanana). Iwe unochengetedza izvi kwemakore 35. Iwe haunowedzera mari yako yegore negore nekudhura kwezvinhu saka iyo inomiririra mutoro muduku uye muduku kudhura kwako kwemari sezvo nguva inopfuura uye dhora rinorasikirwa nekutenga simba .
Kwemakore, iwe unoisa kunze $ 350,000 kubva muhomwe yako. Iwe unopedzisira uine $ 2 710 244 akagara muhodhi yako yekutengeserana. Izvi zvinomirira pfuma isingabatsiri ye $ 2 360 244.
Kana iwe uchitengesa chikwata, pasi pemitemo yemitero yemazuva ano, iwe uchafanira kuribhasa zvakanyanya:
- $ 472,049 mu Federal capital gains tax
- $ 89,689 muBobamacare mutero
- Pakati pe $ 0 ne $ 251,800 muHurumende uye mutero wemunzvimbo zvichienderana nekunogara kupi
Pasi pemamiriro ezvinhu akaipisisa (semuenzaniso, iwe unogara kuSouth California kana New York City), iwe unenge uine mukana wekupedzisira ne $ 1,896,706, iyo $ 350,000 inomiririra mukuru wako wepakutanga uye $ 1,546,706 inomiririra mazita ako mushure mekuteresa purogiramu isati yasvika . Iwe unopa mari mari kune vagari venhaka yako mukuda kwako kana kuburikidza nechikwata chekuvimba uye ndicho icho. Kana vagari venhaka vari kutendeuka uye vachigadzirisa mari mune imwe yenyika iyo inowanikwawo muhujiro wehutano hwekudzoka, vanogona kunakidzwa ne $ 189,671 kuwedzera kwegore negore mumatare ega anokosha kubva pfuma-inowedzera hupfumi.
Kana pane kudaro, iwe unofanirwa kubhadhara zvishoma nezvishoma zvakasimudzwa kunze kwekutengesa mutero wekutengesa, iwe unogona kudarika mari yose ye $ 2,710,244 kune vagari venhaka yako kunze kweFederal, State, kana hurumende dzenharaunda dzichiwana chero!
Zvose zvaunofanirwa kuita ndezvokusiya zvikamu zvinokoshesa zvezvikwata, nzvimbo yekutengesa pfuma, kana zvimwe zvinhu zvinowanikwa kune vagari venhaka. Kana iwe ukafa, kukosha kwekutengeserana kwakanaka kuchaenzaniswa (mune zvakaitika mumatokisi, izvi zvinowanzova nyore sezvinongoita mutsara wemari) uye vagari venhaka vanozozvifananidza semutengo iwoyo - mutengo wakagara nhaka - ndiyo mari yavanoita.
Izvi zvakagadziriswa zvishoma zvinokupai vagari venhaka mbiri dzimwe nzira dzakakwirira.
- Kana vakanamatira pamatengo kana zvivako uye inoramba ichibereka mazana emadhora ekudzoka, vari kuitora iyo yepamusoro yefa yepamusoro ye $ 2 710 244, kwete pasi re $ 1,896,706. Izvi zvinoreva kuti vachanakidzwa nekuwedzera kwepfuma ye $ 271,024 pagore, kwete $ 189,671. Iko imwe ye $ 81 353 pagore kana 42.89%. Panguva iyo, iyo $ 813,538 muhuwandu hwehutano hwakagara pairi bhadharo inogona kuderedza mari yavo yekukweretesa kune imwe nzvimbo kana kushanda sezvibatwa kana vachida kubhadhara kutsvaga kutsva kana kufambira mberi (chimwe chinhu chinonyanya kukosha mumhuri dzinochengetwa dzimba dzakagadzirirwa kutora dzimba kana zvivako zvehofisi sechiitiko chinoenderera mberi nekutarisira kuti chizvarwa chimwe nechimwe chichakura zvakapfuma kudarika chekupedzisira).
- Kana vakatengesa zviyo, zvivako, kana imwe nzvimbo, vanogona kuisa mari ye $ 2 710 244. Iko kune $ 813,538 inowedzera, inotonhora, yakaoma, yakawanda yemari mari ingadai yakaenda kune vezvematongerwo enyika asi ikozvino inowanikwa kune avo vamunoda kushandisa nekuda kwekuvaka hupenyu hwakanaka ivo pachavo; kuisa vana vavo kuburikidza nekorojiji, kufamba munyika yose, kuvaka imba yavo yerota, kutenga motokari itsva, uye kubhadhara mari yezvechiremba pasina kushungurudzika kwekutya kwemari kungosarudzwa zvishomanana.
Kushandisa ยง202032 Sarudzo dzeZvamwe Kuenzanisa Kuwedzera Kuti Kuwedzere Kubatsira kweStap-Up Basis Loophole
Kana izvozvo zvakanga zvisina kunaka zvakakwana, Congress inopa zvinotapira zvinowedzera. Mumakore ose kunze kwegore ra2012 (pane zvimwe zvinhu zvisinganzwisisiki zvichienderera mberi nemutero wekuteresa panguva iyo yaisanganisira chimwe chinhu chinozivikanwa se "modified carryover" nemimwe mitemo yevakaroora uye isingakaroorana), vagari venhaka vanogona kusarudza kushandisa imwe nzira zuva rekuenzanisa risati rapfuura mwedzi mitanhatu kubva pazuva rokufa. Kana imwe yenyika yave ichikoshesa zvikuru, ichi chinhu chakanaka sezvo ichibvumira kunyange mari yakakwirira yepamusoro kuti inakidzwe, ichidzikisa mitero yemberi yemberi.
Kana Iwe Wopa Sangano kana Chipo Sechipo Paunenge Uchiri Mupenyu, Uchashora Rutsigiro Rwakadzika-Ruka Rwakanaka Rwakanaka (Asi Rungaramba Ruchiva Rakanaka)
Chii chinoitika kana iwe uchida kugovera zvizvarwa zvako zvezvizvarwa zvezvikoko zvakanakira kana imwe nzvimbo munguva yako yeupenyu? Havazofi kuti vashandise zvishoma nezvishoma. Pane kudaro, ivo vachagara nhaka yemari yako yekutengesa sokunge yaive yavo; sokunge ivo ivo, ivo pachavo, vakanga vari ivo vokutanga vatengi pamatauro mamwechete, pamutengo mumwe chete, uye zuva rimwe chete rawakaita. Izvozvo zvinoreva kuti inenge nguva dzose pfungwa yakanaka kupa mari kana zvitsva zvatsvaga (apo kukosha kwemusika uye zvigaro zvinodhura zvakafanana), pane kudaro, kuchengeta chikoko chavanofarira kusvika pakufa.
Pane imwe chete yakasiyana nemutemo uyu: Kana iwe uchizoenda pamusoro pemiganhu yemutero, uye iwe hauna mari yakawanda iripo, iwe unogona kushandisa gore rega rega mupi wemutero kubhadhara (ikozvino $ 14,000 pamunhu mumwe nomumwe gore) kupa zviyo zvakakosheswa, zvivako, zvivako, kana zvinhu kune vadyi venhaka yako kugadzirisa ukuru hweimba yako, kuchengetedza zvakanyanya pamitero yaizofanira kutorwa. Kune dzimwe nzira dzakagadzirwa dzakapiwa ruvara rwemavara nedare remitero rinosanganisira kushandiswa kwemhuri yakabatana kudyidzana kuendesa mari yakawanda nokuda kwechimwe chinhu chinozivikanwa sekudzikinura mari (usaedza izvi pasina kutaurirana neunyanzvi hwemitero yakakodzera ).
Ngatitii mune vana vana uye vakaroora. Iwe nemurume wako kana mudzimai wako mungagona kupa chipo $ 14,000 mumwe nomumwe kune umwe wevana vana ($ 28,000 zvakakwana kune mumwe nomumwe wavo kamwe chete paunobatanidza kusarudzwa kwegore negore). Ndiyo $ 112,000 yakapiwa, haisisiri pasi pemitero yemitengo. Chero bedzi vana vako vachiramba vachibata chikwata, vanofarira chero kuonga kwehuyo iye zvino vava kuenda kwavari. Iyo kuonga haisi chikamu cheimba yako, zvinoreva kuti iwe wakanyora mamwe mitero ingadai yakabhadharwa pamusoro pemutero weimba pachipo icho pachako. Nhamba idzi dzinogona kunyanya kupenga kana iwe uchiramba uri pasi pemhuri. Fungidzira mumwe nomumwe wevana vako aiva nevana 3 vega. Ndivana gumi nevaviri. Pakati pako nemumwe wako, unogona kupa mari yepamusoro ye $ 336,000 yemitero pagore, pamusoro pe $ 112,000, nokuda kwe $ 448,000. Itai izvozvo zvegumi, 20, 30+ makore uye zvose asi mhuri dzakapfuma munyika yose dzinogona kubudirira kutamisa zvigaro kubva kune rimwe chizvarwa kuenda kune rimwe, kumira-kutora IRS musayiri. Iva nechokwadi chokuti nzvimbo yekupedzisira inofanirwa iri pasi pemiganhu yemitero uye nzvimbo yacho yose inotora nhaka nechepamusoro-soro.