Usatora Mitero miviri paMutual Funds yako
Nzira iyo Mutual Funds Inotengesa
Mari yemari yakafanana haina kufanana nedzimwe dziviriro dzekutsinhanisa, dzakadai sematokisi, nokuti inongova mahofisikoti asina kuroorwa, ayo anonzi mari inotengeswa, iyo inobata mazana kana mazana ezvimwe zvivimbiso.
Nokudaro basa rekubhadhara rinoitika sechikamu chekutengeserana kwekubhadhara mari kunoenderera mberi nemutoro wemitero kwauri, mutual fund investor. Semuenzaniso, kana chikwata chakachengetedza muhomwe yako chekubhadhara chikwereta zvikwereti, saka mutungamiri wemari gare gare anotengesa chikwata pamutengo wepamusoro kupfuura iye kana kuti akabhadhara, iwe uchabhadhara mutero pamatanho maviri: 1) Mutero werudzikinuro, inowanzobhadharwa semari inowanikwa, uye 2) Imari inowanikwa mubhadharo, iyo inobhadharwa mubhadharo pamari inowanikwa.
Uye kunyange kana iwe ukangobata mari yekutengesera kwemwedzi mishomanana uye usina kutengesa chero zvikamu, zvinoita kuti iwe ugone kugamuchira nguva yakareba yekuwana kuparidzirwa kwekuita (uchifunga kuti mutual fund yakachengetedza chikafu kweinopfuura gore) . Saka mitero yakaparidzirwa iwe inokonzerwa nemabasa mukati memari yekutengeserana, kwete nekuda kwemari yako yekuita mari
Onawo Zvinyorwa: Sei Mutual Fund Inoparadzaniswa Ita Taxed
Iyo yose-Too-Common Mistake yeKiripa-Kubhadhara Mutual Fund Mitero
Iye zvino tora makore mashanu apfuura uye iwe unotengesa yako mutual fund.
Uye ngatitoreiwo kuti mari yako yepakutanga yaive $ 10 000 yezvikamu zvinokosha muhurumende yehurumende uye yakanga yakabhadhara $ 400 muzvikamu gore negore kwemakore mashanu. Kuti uve muchengeti akachenjera kwenguva refu, iwe wakasarudza kuti zvikwereti zvose zviwedzere mune zvimwe zvikamu zve mutual fund yako. Iwe wakaita basa rakanaka kwazvo kusarudza yako mutual fund uye kugoverwa kwekugoverwa kweko, kusanganisira chikamu chekugadzirisa, inokupa kukosha kwekupedzisira kwe $ 15,000 apo uchienda kutengesa mutual fund yako.
Sezvo iwe wakatenga mari iyi pa $ 10 000 uye iwe wakatengesa kuri $ 15,000, iwe uchabhadhara mutero pa $ 5,000 muhomwe huru, chazvo? Kana iwe wakafanana nemamiriyoni evamwe vatengesi vanoita chikanganiso chakafanana, hongu iwe unobhadhara mutero pa $ 5,000 mu "kuwana." Asi iwe unenge usina kukanganisa uye saizvozvo unobhadhara mari zhinji mumitero!
Sei izvi, iwe unobvunza? Yeuka, mari yako yepakutanga yaive $ 10 000 asi iwe wakapawo (kana kuti pane zvakare kuiswa) $ 2,000 muzvikamu. Saka nheyo yako ndeye $ 12,000 uye pfuma yako inobhadhara inenge $ 3,000 (kwete $ 5,000)!
Unogona kuona here kuti kukanganisa kwakawanda kwetero kunogona kuitika sei nyore nyore? Muenzaniso wangu pano uri nyore uye hauverengi kubatanidza chido asi chidzidzo chinoramba chichifanana: Vazhinji varairimi vanofunga kuti mari yavakapa mari muchikwata chemwe mutengo yavo muhomwe yavo ndeyemari yavo yekutanga yekutsvaga kana "chikonzero" chekutumira mutero.Asi IRS inoti yose inoparidzirwa kugoverwa uye kupfuma kwekugovera kupararira kuverengwa se "masimba," zvakare.
Iwe unogona kudzivisa kuita chikanganiso chakafanana nokungochengeta zvose zvako-mutemo zvinyorwa uye kubhadhara mari yose inotengeswa uye, zvinonyanya kukosha, mari "yakadzorerwa zvakare." Iwe unogonawo kutaura nezve IRS Publication 550.
Kunyange zviri nani, chengetedza zvinyorwa zvako uye uzviperekedze kune iwe unyanzvi wemutero iwe paunenge uchifamba hupenyu hwako.
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.