Ukusebenzisa i-Rollover ye-Startups ye-Startups (ROBS) kwiNgxowa-mali yakho

Ukuxhaswa kwezimali ngokuzinzileyo kuye kwadlala indima enkulu kwinkqubela ye shishini elincinci. Nangona kunjalo, ekubeni abatyalo-mali abatsha kunye nokubolekwa kwemali mboleko kubonakala ngathi yi-Grail Engcwele ngamanye amaxesha, oosomashishini abaninzi bafuna iindlela ezahlukeneyo zokuxhaswa kwemali ezingenakuphikisana kakhulu njengoko amabhizinisi abo athatha kwaye akhula. Enye yale mimandla ekhoyo yenkxaso-mali yi-Rollover ye-Startups ye-Business okanye i-ROBS. Ngamafutshane, iiROBS zivumela abanini-shishini ukuba batshintshe ama-$ 50,000 okanye ngaphezulu kwiiplani zabo zokuthatha umhlala-phantsi kwiinkampani zabo njengenkunzi-mali.

Njengoko naliphi na ithuluzi lokurhweba, i-ROBS inezinzuzo kunye nokuphazamiseka, ngoko ke ukuba unomdla ekubasebenziseni njengomthombo wemali, kubalulekile ukuqonda iinkcukacha kunye nendlela abasebenza ngayo. Isicwangciso ngasinye seROBS sihlukile, kwaye sinokuba neemfuno ezenza ingozi ngakumbi kunokunceda.

Indlela iSicwangciso seROBS esinokukunceda ngayo ishishini lakho

Akukho sicwangciso sotyalo-mali kufuneka sithathwe ngokulula, ngokukodwa okubandakanya ukusebenzisa imali ngokubhekiselele kuyo umhlalaphantsi wakho. Kodwa kulula ukubona ukuba kutheni abanye abashishini banomdla wokusebenzisa isicwangciso seROBS ukukhusela ishishini labo kunye nekamva labo.

Esinye sezibonelelo eziphambili zesicwangciso kukuba ngenxa yokuba iiROBs zingabonwa njengemali mboleko kwi-401k okanye i-IRA yakho, akufanele ibuyiselwe. Ukongezelela, akukho sikhokelo sokurhoxiswa kwangaphambili okanye irhafu ekufuneka ihlawulwe njengokuba ungayenza ngemali mboleko malunga nezicwangciso zomhlalaphantsi.

Nangona ibizwa ngokuba yi-Rollover ye-Business Startups, le nkqubo ayinqunyelwe kumashishini amatsha.

Abafundi be-go-getters bangafaka isicelo kwi-ROBS kwishishini labo elisisiseko, i-franchise okanye ishishini eliqalwe elinye ishishini. Ngenxa yokuba ubeka imali yakho yokugcina umhlala-phantsi kwinkampani yakho njengotyalo-mali, nayiphi na inzuzo ibhishini lakho lingabuyiswa kwisicwangciso sakho somhlala-phantsi somhlalaphantsi.

Ngenxa yokuba le nkqubo ayikho mboleko kwi-bhanki okanye iqela lotyalo-mali, abanikazi boshishino abasebenzisa i-ROBS akufuneki bajongane noxinzelelo lokuzama ukwenza ukuba i-career yabo iphumelele ngemali ngelixa ihlawula iintlawulo ngezinga eliphezulu lemali kubabolekisi babo. Ngenxa yoko, uninzi lwabasomashishini abaxhaswa ngemali yabo yokuqalisa nge-ROBS inkxaso-mali babone isantya esiphumelele kwimpumelelo ngenxa yecala eliphantsi kunye nomngcipheko omncinci obangelwa yimarike eguqukayo.

Isicwangciso seROBS sinokukukhathaza njani

Nangona zininzi izinto ezintle, i-ROBS ngokwemvelo ivela kunye nesabelo sayo sengozi ngokunjalo. Inkalo ephawulekayo, ngokuqinisekileyo, uyayithumela imali kwimali yakho yokugcina umhlala-phantsi ongenakukwazi ukubuyela kuyo xa ishishini lakho liphela. Mhlawumbi imeko enzima kunazo zonke, ngoku kuya kufuneka ulwe nemali engaphantsi kweminyaka yakho yomhlalaphantsi kunye nokuwa kwebhizinisi elingenasimo sezimali.

Ukuze usebenzise isicwangciso se-ROBS kwinkampani yakho, akufanele ube ne-$ 50,000 kuphela kwi-akhawunti yakho yokuthatha umhlala-phantsi ukuze udlulisele kwi-akhawunti yakho yebhishini, kodwa iqela lakho kufuneka libekwe njengeC corporation. Oku kungathatha ukuhlaziywa ngokubanzi xa usebenza ngoku nje nge-sole proprietorship okanye LLC. Kwaye ukwenza oko, akufanele kube yinto efanelekileyo kuwe ngokubhekiselele kumatyala kunye nesakhiwo serhafu.

Nguwe kuphela onokuyifumanisa ukuba umbutho kwakhona uya kulungela umngcipheko xa unquma ukuqhuba isicwangciso seROBS.

Kwakhona, ukuba unomrhwebi onokungabikho kwemali ekhoyo, iindleko zokubhalisa kwisicwangciso se-ROBS zingavumelekanga ukuba unayo imali yokuhlawula imali. Ngokomzekelo, abaxhasi beROBS abaxhasiweyo kunye ne-Benetrends Ukuhlawula imali engama-$ 5,000 ukukunceda ekumiseni i-ROBS. Le ntlawulo ibangelwa ngaphambi kokusekwa kwesi sicwangciso, ngoko ke ukutshintshwa kotyalo-mali kwi-akhawunti yakho yomhlalaphantsi ayikwazi ukusetyenziswa.

5 Amanyathelo okusekwa iROBS kwiBhizinisi lakho

Ukusebenzisa i-ROBS ukuxhasa i-shishini lakho elincinci lingabonakala ngathi liyinkqubo eyoyikisayo, kodwa ngokukhokelwa kunye nophando, unokuyilandela njengomthombo wentengo-mali kumanyathelo amahlanu alula. Kubalulekile ukuba uqaphele ukuba abanini bezoshishino bangasebenzisa kuphela iintlobo ezithile zezicwangciso zomhlalaphantsi weROBS.

IRAs zeNdabuko kunye nezicwangciso ezingama-401k zizona zixhobo eziqhelekileyo ezifakwe kwi-rollover, kodwa ngelishwa, iRoth IRAs ayivumelekanga.

1. Ngesicwangciso sakho somhlala-phantsi okhoyo, isinyathelo sokuqala kukuseka ishishini lakho njengeC corporation. I-AC corporation iya kubandakanya ibhodi yabalawuli kunye nabanikazi abanini-zimali ngegalelo malunga nendlela inkampani isebenza ngayo.
2. Ngaphantsi kwesi sakhiwo esitsha, yakha isicwangciso se-401k shishini lakho.
3. Ngoxa uncediswa ngummeli okanye umboneleli we-ROBS, qulunqa imali yakho yokuhlala yomhlala phantsi kwisicwangciso esitsha se-401k.
4. Sebenzisa imali ngoku uhanjiswe kwishishini lakho 401k icebo lokuthenga isampani kwinkampani yakho entsha yaseC.
5. Imali ekuthengisweni kwesikhundla sakho senkampani inokusetyenziswa njengenkunzi-mali ukutshala imali kwi shishini lakho.

Ukubonelelwa ngeenzuzo zemali mboleko emancinci yamashishini kunye nemali-mboleko engama-401k, oomashishini abasebenzisa isicwangciso se-ROBS bayakwazi ukubona ukuba kutheni kubekho ukukhetha okungcono kwi shishini labo. Nangona kunjalo, kubalulekile ukuxubusha zonke iinketho zakho kunye ne-akhawunti yakho yenkampani okanye ubungcali berhafu ukuqinisekisa ukuba iindawo ezingekho phantsi kweengozi zemali zifanelekile ukuhlola kuqala.

Emva kokuvavanya zonke izibonelelo ezifumanekayo ukwenzela ukwandisa i-capital, kunye neenzuzo kunye nokungahleleki kuwo ngamnye, ngoko ke uya kulungela ukufumanisa ukuba isicwangciso seROBS sisona siphumo esona sikhetele.