Iingcebiso zokuThumela iRhafu zonyaka zonyaka zokuNciphisa iRhafu yeNgeniso yeNkatha yaseKhanada
1) Khulisa ibango lakho leNkcitho yeNtengo yeNtengo (CCA).
Ukuthenga izixhobo ezifunekayo kunye neteknoloji ngoku kunokuba ulinde unyaka omtsha werhafu ukuqala.
Nangona uya kukwazi ukufaka ibango lama-50 ekhulwini kwiSikhulu seNdleko zeNdleko zeMali kwiiindidi zezinto eziphathekayo (ezibizwa ngokuba ngumthetho wesigqibo seminyaka), uya kuqhubeka ukwandisa i-Capital Cost Allowance yakho kulo nyaka werhafu - kwaye uzibeke ngokwakho ukunyuka kwe-CCA isimangalo kunyaka werhafu olandelayo. Ukufumana okungakumbi ngokukwandisa ibango lakho leSibonelelo seNkcitho yoLuntu, bona i- 8 Izakhelo zerhafu ukwenzela ukukhutshwa kweRhafu yeRhafu yeNkcitho yakho .
(Kwaye uya kufuna ukukhangela uphawu le khasi ukwenzela ukuba uyifumane lula xa ulungele ukufumana ibango lakho leSibonelelo seNkcitho yeMali-mali: Indlela yokubala i-Allowance Cost Cost .)
2) Ukukhawuleza ukulahlwa kwexabiso lexabiso.
Ukuba uceba ukulahla impahla ehlaziyiweyo, njengezixhobo zokuvelisa okanye izixhobo zekhompyutha, ungawashiyi kude kube unyaka omtsha. Ngaphandle koko, uya kuncitshiswa kwebango lakho leMali yokuBala iNkcitho yeMali kulo nyaka werhafu.
3) Ukulahla okanye ukufumana ingeniso.
Nayiphi na ingeniso yoshishino lakho oluthola ngoJanuwari kunokuba uDisemba luyakuthintela ingeniso yakho yoshishino kulo nyaka - ngaloo ndlela unciphisa irhafu kwingeniso yakho.
Ukulahla okanye ukubuyisela imali engenayo kwenza ingqondo yengeniso evakalayo xa ingeniso yakho yerhwebo iphezulu kunexesha eliqhelekileyo, okanye xa iirhafu zerhafu kunyaka ozayo ziya kuba ziphantsi.
4) Ukwandisa iindleko zoshishino.
Enye indlela "yokulawula" ingeniso yakho yonyaka kukunyusa iindleko zoshishino lakho. Cinga ngeemfuno zakho ezizayo zeemveliso okanye iinkonzo uze uzigcwalise ngoku ngoku.
Ukuphonononga iindidi zeendleko zoshishino, kwaye ubone ukuba iindleko zakho "ziphantsi" kwiphina indawo. Ngokuqinisekileyo akukaze kuphele, ngokomzekelo, ukwenza ezinye iintengiso okanye ukukhuthazwa kwishishini lakho. (Jonga ezi zi- 19 Iingcamango zoBhengezo kumashishini amancinci , umzekelo.)
5) Yenza umrhumo wakho weRRSP okanye i-TFSA.
Ukuba ishishini lakho lisetyenziswe njenge- proprietorship yedwa okanye ubambiswano kwaye yenza iRRSPs eqinile (iiprogram zokuBhaliswa koMhlala-phantsi ebhalisiweyo) yindlela ehle kakhulu yokunciphisa irhafu yakho kwaye ulondoloze umhlalaphantsi wakho. Kunyaka nawuphi na unyaka, unako ukufaka isandla kwisithuba se-18 sepesenti somvuzo wakho, kunye negalelo lakho leRRSP lichithwe ngqo kwiholo lakho. Iphakamileyo yakho yerhafu ephezulu.
Ukuba awunayo i-RRSP, akukho xesha nje njengamanje ukusetha enye. Ukufumana okungakumbi kwi-RRSP njengokuncitshiswa kweerhafu, jonga iiRRSP: I-Incorporated Tax Incorporated For Businesses .
Kwabo abakhonkqo abancinci be-akhawunti ye-akhawunti yokulondoloza irhafu (TFSA) inokukhetha ukuba iRRSP. Iminikelo ye-TFSA ayikho inkokhelo ehlawulwa irhafu kodwa nayiphi na imali engenayo kwi-TFSA ayihlawuli irhafu. Ukufikelela kwii-5 500 zamawaka ngonyaka ungancediswa kwi-TFSA (ngoJanuwari 2016) kunye neminikelo engasetyenziswayo ingaqhutyelwa phambili kwiminyaka ezayo.
Izixa-mali ziyakususwa kwi-TFSA nganoma naliphi na ixesha nayiphi na injongo, ukubonelela ngezinga eliphezulu lokuguquguquka kunokuba neRRSP.
6) Gcina uvimba wakho wonyaka wekhalenda.
Ucinga ngokuphelisa umsebenzi wezoshishino? Kunokuba uvale ibhizinisi lakho ngaphambi kokuphela konyaka, linda unyaka ozayo, ngoko ke inxalenye eseleyo yonyaka wekhalenda ayiyi kuhlawulwa irhafu kuze kube unyaka olandelayo. Ilungile lo nto; Ukuhlala kusetyenziswe iiveki ezimbalwa ziza kufaka ukufakwa kwesi sabelo seminyaka.
Yenza nje Ingqiqo
Asikwazi ukuphepha iirhafu, kodwa isenzo soshishino sobulumko ukunciphisa irhafu yengeniso ehlawulwayo. Ukubeka ezi ngcebiso ezithandathu zokugcina imali zentlawulo ngexesha lokudlulayo kweeveki zonyaka werhafu kuza kukunceda unciphise irhafu yakho yentlawulo kwaye uzuze ukucwangcisa irhafu yonyaka ozayo.