Top 10 Zvinhu Zvokuziva Nezve Mutual Fund Mitero

Nzira dzeNzira uye Mienzaniso yekuderedza Mitero uye Kuwedzera Kudzoka

Ndingaita sei kuti ndideredze mitero pamutengo wemari? Ndeapi mapepa emari ari nani kune mabhadhareti eakawanikwa? Sei ndakagamuchira 1099? Kunzwisisa mutual fund taxation kuchakubatsira kuti uwedzere kubhadhara kwako kuburikidza nekuve muchengeti ane masimba.

Sezvavanotaura vachienda, "Hapana chine chokwadi muupenyu asi rufu nemitero." Zvisinei, mitero inogona kuderedzwa kana kutodzivirirwa maererano nekutengeserana kwemari. Nokudaro, neruzivo rwezvakakosha pamutual fund taxation, iwe uchagonesa kuwedzera yako yakawanda yekutsvaga mari yezvemarikiti.

Hezvino zvinhu gumi zvinokosha zvikuru kuziva nezve mutual fund taxation:

1. Nzvimbo yeAsset : Chimwe chezvikanganiso zvakakura zvinowanikwa nevashambadzi vanoita kuisa mari pamwe chete iyo inobhadhara mitero yepamusoro yepamusoro pamakero avo anotengesa. Semuenzaniso, mari yakawanda yezvisungo uye chikwereti-kubhadhara mari yemari inokonzera mari iyo inokweretwa kumutengesi. Saka mari iyi inonyanya kutengwa mune imwe nhoroondo yakabhadhara mitero, yakadai seIRA, 401 (k) kana annuity panzvimbo. Nenzira iyo iwe uchadzivisa kusava nemutero mutero.
2. Mutero-Wakakosha Mari : Kana uine kambani inotengesa, iyo yega yega kana yekubatana kwekambani yekodha, uye iwe unoda kuderedza mitero, unofanirwa kuisa mari mune mutual funds iyo inokonzera zvishoma kumitero. Iyi mari inonzi inobhadhara mutero . Somuenzaniso kana iwe uchida kutsvaga kuzvisungo, unogona kufunga nezvekushandisa mari yemunishuwarenzi mari , iyo inowedzera mari yakawanda isingabhadhara mutero ku federal level.
3. Iko Mutual Fund Yakaparadzaniswa Inotengesa : Mamwe makambani anopfuura pamwe chete nenheyo yavo kune avo vanogadziridza zviyo nenzira yezvikamu. Sangano rekugadzirisa mari inotengeswa mumatokari zvingagamuchira zvikomborero kubva kumakambani avanoshandisa mari uye inopedza zvikamu kune mutual fund shareholder. Imwe mutengesi wezvemari inowanzosarudza kuva nezvikwereti zvakabhadharwa muhomwe, asi mubhadhari angave achiri kukwereta mitero. Nhamba yemitero inokweretwa inobva pane kubata nguva uye kubhadhara mutero wemari, pakati pezvimwe zvinhu.

1. Mhando dze1099 Mafomu uye Zvaungaita Navo : Zvizhinji zvinowanikwa 1099 zvakagamuchirwa nevashambadzi vanosanganisira 1099-R, 1099-DIV, 1099-INT uye 1099-Q. Vashandi vanowanzoshamisika pavanowana 1099 mumakero. Ichi chiratidzo chokuti mutyairi anoda kunzwisisa kuti nei vakagamuchira 1099 uye kana mitero inobatwa nekutengeserana mari inogona kuderedzwa kana kudziviswa. Kana uchida kuziva nheyo dze mutual fund taxation, kunzwisisa 1099 mafomu nzvimbo yakanaka kutanga. Iwe unodawo kuva nechokwadi chokuti unoita izvo IRS inoda kuti iwe uite!

1. Mutual Fund Capital Gains Kugoverwa : Stock mutual funds inogona kuisa mumataundi kana mazana ematokari. Kazhinji mutual fund manager achatenga uye kutengesa zvikamu zvezvikwata zvematokari mukati memari yekubatana panguva ipi zvayo gore rakapiwa. Apo mutungamiriri anotengesa zvikwereti zvakagadziriswa kubva kubva panguva yaakatenga mashizha iwayo, mabhizimisi aya anoita kuti pfuma iwane mari, iyo inobva yapfuurirwa kumudzimai (iwe).
2. Ronga Pamberi Pamusoro Peguta Renyu Kugoverwa Kwekugovera : Kubatsira vatinhenda kugadzirira kuwana mari yekugoverwa, makambani ehurumende yezvemari inowanzotumira kuwanikidzwa kwekuwana kugoverwa kuongororwa kutanga munaOctober. Izvi zvinowanikwa kugoverwa kwekugoverwa zvinogona kubatsira mutual fund investors (avo vane mari inobhadharwa mumabhadhareji) vanoronga mberi kwezuva remitero.
3. Kurasikirwa Kwemitero : Vazhinji vatengesi vanoita chikanganiso chekubhadhara mari inowanikwa mubhadharo pavanokwanisa kuidzikisa kana kuibvisa kuburikidza nekuderedza kuwanikwa kwekurasikirwa kukuru. Semuenzaniso, fungidzira iwe unoda kubhadhara porftolio yako uye iwe unosarudza kutengesa chikamu chemari mbiri. Kazhinji, kana iwe uine $ 1 000 yemari inowanikwa kubva mukutsvaga mari yekutanga uye $ 1 000 yemari yakarasikirwa semugumisiro wekutengesa zvikamu zveimwe chikwereti, kubudirira zvakaenzana nekurasikirwa kuchagodzana uye hapana mutero wakabhadhara.

1. Mutengo Wemitero Kubata : Sezvazvinonzwika, mutero webhadharo yehutori ndeyomutero wekuti mitero inokonzera sei mitsara yekutsvaga mari. Somuenzaniso, kana mutual fund yako inobhadhara 10% musati mitero asi mari yebhadharo inowanikwa nechikwata ichi inotadzisa kubhadhara kusvika ku9% mutero webhadharo inosvika 1%. Vashandi vanogona kuwana mvumo yekubhadhara mushure mekubhadhara, mitero-yakagadziridzwa kudzoka uye mutero webhadharo yemari yekutengeserana mari paMatstarstar .
2. Index Funds neChirongwa Chekushandisa Mari : Zvikwereti zvinoedza "kurova misika" zvinonzi mari inotarisirwa zvakarongwa uye mari inongomirira kuenzanisa kudzoka kwemusika kana kupa chiyamuro kunonzi mari inotarisirwa kusarudzwa. Mari inotarisirwa zvakanaka inowanzova nehuwandu hwekutengesa (kutenga uye kutengesa mamwe mashizha kana zvibvumirano) uye saka ine yakakwirira yepamutero yepamusoro kune inotora mari uye Exchange Traded Funds (ETFs). Nokuda kwekodzero yemutero, iwe unogona kuongorora kushandisa imwe yepamusoro yeS & P 500 Index Funds .

1. Nzira Yokusarudza Nayo Yakanakisisa Mutengo Mari : Haisi mungozi kuti mari yakanakisisa inoita mutual funds, kunyanya kwenguva yakareba kwenguva yakareba, yakadai semakore gumi kana kupfuura, inowanzobhadharwa nemari yakaderera mitero. Saka mutengi anotsvaga kutsvaga mari yakanakisisa yekuita mari achangowana mari yakawanda-yepamusoro yekuteresa, kunyange kana isiri kuedza, nokuti kune kuwirirana kwakanyanya pakati pebhadharo yepamusoro mutero, chiyero chekudhura kwechikwata uye mari shoma yehuwandu s kusvika kune yakadzoka mari yakadzoka, kunyanya kwenguva yakareba yekutsvaga nguva.

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.