NgoDisemba. Ngaba Ukulungele Ukulungisa Isicwangciso Sakho Sotyalo-mali?
Iingcebiso zoCwangciso lweRhafu zoNyaka 2017
Qinisekisa ukuba uyaqonda ukuba yeyiphi izinga lentlawulo okanye irhafu eya kusebenza kwinzuzo oyifumayo ngaphambi kokuba uthengise nayiphi na imali. Ezi zerhafu zilandelayo zisebenza ngo-2017:
- Iireyithi zerhafu eziqhelekileyo zonyaka ka-2017 zinomlinganiselo ophezulu wama-39,6 ekhulwini kubanikezeli abaphezulu.
- Ixesha elide lozuzo lwenkunzi linomlinganiselo ophezulu weerhafu weepesenti ezingama-20. Kukho iintlawulo ezintathu zerhafu zengqesho ezide zangexesha elide: iipesenti ezi-0, iipesenti ezili-15 kunye nama-20 ekhulwini. Ipesenteji ye-20 yepesenti ephezulu isebenza kulabo abasesigxina sika-39.6 seerhafu.
- Izabelo ezifanelekileyo zihlawuliswa kwiirhafu zerhafu zexesha elide.
- Ingeniso yezobalo-mali iya kuxhomekeka kwingxowa-ntlawulo yentlawulo yerhafu ngenani lentlawulo ye-3.8 ekhulwini ngo-2017. Le ngxowa-mali yokufumana ingeniso yempembelelo ichaphazela abantu abaye bahlengahlengisa imali engenayo ngaphezu kwee-200,000 zamawaka xa bengatshatanga okanye ngaphezulu kwama-250,000 amaqabane abatshatileyo.
Ukudibanisa irhafu yerhafu yengeniso kunye nerhafu yentlawulo yerhafu yerhafu okanye i-NIT, abatyali-mali bangabhekana nesantya seerhafu esingamaxabiso angama-23.8 ekhulwini kwiimpumelelo zangexesha elide kunye nezibonelelo ezifanelekileyo.
Iipesenti ezingama-20 zerhafu yengeniso kunye ne-3.8 ekhulwini kwi-NIT. Ngokwahlukileyo, ukuzuza kwexesha elifutshane, izabelo ezingafanelekanga, kunye nomdla zingabhalwa kwizinga eliphezulu njengama-43.4 ekhulwini. Leyo yerhafu yezinga lokufumana ingeniso ye-39.6% kunye ne-3.8 ekhulwini kwi-NIT.
Hlola isiseko sakho seNkcazo zokuPhathwa kweeNgxelo
Iifenki zokurhweba zaqala ukunika ingxelo ngexabiso lentengo yemveliso yophuhliso kwi-IRS, kunye nabaphathi be-akhawunti, kwifom ye-1099-B ngo-2011.
Iindleko zokunika ingxelo ngeendleko zandiswe kwizabelo zengxowa-mali kunye neengqolowa ezithengiweyo ngeprogram yokubuyisela inzuzo ngo-2012. Ngo-2013, izibophelelo ezandul 'ukufumana, amanqaku, iimpahla kunye neziphumo ezifunyenwe zihlanganiswe phantsi kweendleko zokunika ingxelo ngeendleko.
Abatyalomali kufuneka bahlolisise ukhetho lwabiwo lwabiwo lweendleko kwiwebhusayithi yabo yomthengisi. Unokufuna ukusebenzisa indlela eyahlukileyo kunendlela ye-broker. Qhathanisa idatha ye-broker yakho kwiirekhodi zakho ukuqinisekisa ukuba unayo yonke idatha efunekayo ukulungiselela ukubuyiswa kweerhafu.
Cinga ngokuphindaphindiweyo kwePortfolio yakho ngohlobo lweRhafu
Utyalo-mali oluvelisa ingeniso eqhelekileyo luya kulungelelanisa ngaphakathi kwezicwangciso ezihlawulisiweyo zerhafu, kwaye utyalo-mali oluvelisa iimali zangexesha elide lingavelisa iziphumo ezingaphezulu zerhafu kwiingxelo ezihlawulisiweyo. Oku kubangelwa kwiirhafu zerhafu ezantsi ezisebenza kwiinzuzo zangexesha elide kwaye ziyinxalenye yecwangciso leserhafu elibizwa ngokuba yi-aseset placement.
Ukuthengisa Ukulahleka Kwezimali
Eli qhinga likhawuleza ilahleko kulo nyaka okhoyo. Ilahleko ezilahlekileyo ziyakunciphisa ixabiso lentlawulo. Ukuba unetyala lokulahlekelwa kwemali ngonyaka, ukuya ku-$ 3,000 yelahleko leyo ingasetyenziselwa ukuhlawula enye imali engenayo ngo-2017. Nayiphi na ilahleko ephezulu ngaphezu kwalo mda wonyaka unokuqhutyelwa kunyaka olandelayo.
Ukuba uthengula utyalo-mali olufanayo zingakapheli iintsuku ezingama-30 phambi okanye emva kokuthengisa utyalo-mali kwilahleko, nangona kunjalo, ukulahlekelwa kwakho kuya kulandelwa ngokuzenzekelayo phantsi komgaqo wokuthengiswa.
Thengisa Ukunqoba imali
Eli qhinga likhawuleza ingeniso kunyaka okhoyo kwaye ilungile xa umtyalo-mali elindele ukuba izinga lakhe lentela kunyaka okhoyo libe ngaphantsi kwezinga lokuhlawula irhafu kunyaka ozayo. Abatyalomali banokuthengisela iindawo ezixhamlayo ukuze bathathe ilahleko ezilahlekileyo eziqhutywe kunyaka odlulileyo. Umgca weli qhinga kukuba ukukhawuleza kwengeniso kukhawuleza irhafu. Abatyalomali kwi-10% neepesenti ezingama-15 zerhafu bangathanda ukucinga ngokuthengisa izityalo-mali zenkxaso-mali ezide zentsuku ezithe zitshixa kwizinga leerhafu zerhafu kwiintlawulo zentengo. Abatyalomali abakwi-39.6 yepesenti yerhafu bangathanda ukuqwalasela impembelelo ye-20-pesenti yexesha elide lokufumana intela yentlawulo kunye ne-3.8% ye-overtax ngaphambi kokugqiba ukuthengisa.
Ukudibanisa Ukulahlekelwa Ngenzuzo
Eli qhinga livumela abatyali-mali ukuba bahluthe i-earnings evela kwezinye iintyalo-mali kunye nokulahlekelwa kwabanye. Kuyaziwa ngokuba ukuvunwa kwelahleko kunye nenjongo kukuzama ukunciphisa impembelelo yerhafu yexabiso lokuthengisa imali kwiprojekthi ngokuthengisa ukutyalo-mali kunye nelahleko. Le ngxube ye-hybride ekhawuleza ingeniso kwaye ikhawuleze ilahleko zokudala umonakalo omncinci werhafu ongenakwenzeka kunyaka okhoyo. Eli qhinga linciphisa kuphela inzuzo enetyala phantsi kwentela yengeniso, kodwa iyanciphisa i-net earnings phantsi kwe-3.8-pesenti yentlawulo yengeniso yotyalo-mali.
Ukuchithwa Kwemali Kuze Kufike Unyaka Olandelayo
Abathengi ngokuqhelekileyo abazifumani kwisimo sokukhupha ilahleko kwiityalo-mali kuba ikhowudi yentela sele inelungiselelo lokuthwala ilahleko ezingaphezulu kwemali kwixesha elizayo. Ixesha lokuthengisa izityalo ezingenanzuzo ngoko ke lingaqhutywa yicebo lakho lokutyalomali kuneengqalelo zerhafu.
Iimali ezichanekileyo ukuya kuNyaka olandelayo
Ukubambelela ekuthengiseni utyalo-mali obunenzuzo kunokukwazi ukufezekisa izinto ezimbini: Ukuchasisa umvuzo kwenye unyaka, kwaye unokukwazi ukusibekela ixesha elide ukwenzela ukuba inzuzo ehlawulwe kwixesha elide elikhethiweyo elizuzisa imali kunokuba lifutshane -nokufumana kwiirhafu eziqhelekileyo zerhafu. Ukuzuza kwexesha elide yilezo zifunyenwe ngokutyalomali oye wabanjwa iminyaka engaphezu konyaka. Ukuzuza okuchaziweyo kunokuvelisa umrhumo omncinci werhafu kubarhafi berhafu abalindele ukunyuka okukhulu kwimali yabo yonyaka ozayo kuba abahlawuli berhafu kwi-10% neepesenti ezingama-15 zerhafu banesilinganiso se-0 ekhulwini kwiinzuzo zangexesha elide.
Ucwangciso lweRhafu kunye nokulahlekelwa kweMali yeCaryovers
Abatyalomali bangasebenzisa ilahleko zabo zokulahleka kwempahla yokunciphisa imali. Ukulahleka kweentengo zemali ziza kuba zibaluleke nakakhulu kubantu abafumana imali engenayo abaphantsi kwentlawulo yengeniso yotyalo-mali. Abatyalomali bangafuna ukuphonononga iingenelo zokushiya ezinye iinqwelo ezidlulileyo kwiminyaka kamva xa kuthelekiswa nesicwangciso apho ilahleko zithathwa ngokukhawuleza.