Kulandira msonkho wamalikulu kuli chimodzi cha ziyambukiro zazikulu koposa m'zandalama zaumwini ndi kusungitsa ndalama. Kumayambukira mwachindunji kubwezera kwa khoka kumene mumapeza pa zinthu monga ngati masheya, mabonde, ndalama za aŵiri, malo, ndipo ngakhale kubisa. Pamene kuli kwakuti msonkho weniweniwo uli wolunjika m'malamulo a phindu la kugulitsa chuma cha munthuwe. Malamulo a kulamulira mmene chimaŵerengedwa, chikusimbidwa, ndi kuchepetsedwa amafotokozedwa bwino. Kumvetsetsa zimenezi kungakupulumutseni kwa madola zikwi zambiri pa moyo wanu wonse ndi kukuthandizani kupanga zosankha zanzeru za kugula ndalama zimene zimagwirizana ndi zolinga zanu za ndalama.

Kodi Likulu Lalikulu Limapeza Ndalama Zotani?

Phindu la ndalama zamalikulu ndilo msonkho woperekedwa pa phindu limene limapezedwa pamene mugulitsa kapena kutaya chuma chamalikulu. Phindu, lodziŵika monga phindu la malikulu, ndilo kusiyana pakati pa mtengo wogulitsa wa chuma ndi mtengo wake (kapena "maziko a ndalama"). Makampani aakulu amaphatikizapo zonse kuyambira pa zoikizira zonga mabanki ndi mikate ya katundu wa munthuweyako, zokometsera, ndi malo enieni. Mfungulo njakuti msonkhowo ugwire ntchito kokha ku phindu, osati ku phindu lonse la malondawo.

Mosiyana ndi msonkho wa malipiro wamba, umene umagwira ntchito ku malipiro, ndi mapindu a malonda, misonkho ya ndalama kaŵirikaŵiri imapezedwa bwino kwambiri . Makamaka pa katundu wochitidwa kwa chaka chimodzi. Kuchitiridwa kumeneku kwapadera kumalinganizidwira kulimbikitsa kuikizira ndalama kwa nthaŵi yaitali ndi kuwonjezereka kwa chuma. Komabe, malamulo amasiyana kwambiri malinga ndi utali wa chumacho musanachigulitse ndi mlingo wa ndalama zanu zonse zolipiridwa msonkho.

Mitundu ya Likulu Ipindula

Malamulo a msonkho amagawa ndalama zimene munthu amapeza m’magulu awiri akuluakulu malinga ndi nthawi imene zinthu zakhala zikuyendera.

Likulu Lachidule la Dziko

Kuchokera pa ndalama zimene munalandira chaka chimodzi kapena zochepa. Mapindu ameneŵa amagulitsidwa monga ndalama wamba, ndipo amawonjezedwa pa ndalama zanu za msonkho mogwirizana ndi mzera wa m'mphepete wa msonkho umene mulowamo. Pa 2025, ndalama zongolandira ndalama za msonkho zapamalipiro wamba zikuyambira pa 10% mpaka 37%. Mwachitsanzo, ngati muli m'gulu la makampani a msonkho ndipo mumagulitsa sheya ya ndalama zokwana madola 55,000 pambuyo poisunga kwa miyezi isanu ndi umodzi yokha, mudzalipira $1,200 mu msonkho wa boma pa phindu limenelo. Onani kuti phindu la ndalama zazifupi za ndalama za m'dzikolo limakhalanso lokhudza Khiristion Inhost Inhozation Invotion Infation ya 3.8% ngati ndalama zanu zosinthasintha ndalama zokwana $200,000 pa mafaelo amodzi, $200,000 pa mafaelo okwatira 00,000

Likulu la Mitengo Yaitali Lipeza

Mapindu a malikulu anthaŵi yaitali amagwira ntchito pa zinthu zokhala ndi chaka chimodzi. Mapindu ameneŵa amayenerera pa ndalama za msonkho zapadera, zimene zili zotsika kwambiri kuposa malipiro wamba. Kwa okhoma msonkho ambiri, ndalama zamalikulu za nthaŵi yaitali ndi 0%, 15%, kapena 20%, kudalira pa ndalama zopindulidwa. Mu 2025, 0% imagwira ntchito kwa makampani amodzi okhala ndi ndalama zolipira msonkho kukafika $47,025,025,000, ndipo mitu ya mabanja imakhala yokwera kufika pa $6,50,000.

Mmene Ntchito za Msonkho Zimapitira Pansi

Kuŵerengera ndalama za malipoti kapena kutayikidwa kuli kosavuta, koma mdyerekezi ali m'tsatanetsatane. Njira yaikulu ndi iyi: Kugulitsa Price Face edit Face Basis Astmaked List Faig (kapena Loss). Komabe, mtengo wake suli mtengo woyamba. Kukhoza kusinthidwa kaamba ka kugaŵana kwa masheya, kubwezeredwanso, kuwongolera malo enieni, ndi zinthu zina. Mwachitsanzo, ngati mugula malo olandirirapo ndalama zokwana madola 2000,000 ndipo pambuyo pake mutatha $300,000 padenga latsopano, mtengo wanu wosinthidwa ungakhale $300,000. Kugulitsa katundu wa $300,000 kukhoza kutulutsa $70,000,000, ndalama zamalikulu, osati ndalama zopezedwa, osati $200,000.

Lamulo la kusambira ndilo kusamala kwina kwa oikizira ndalama zimene amagulitsa mafashoni atawonongeka ndiyeno nkuwombola mandasitale ofanana ndi amenewo masiku 30 asanagulitsidwe kapena atagulitsidwa. Pankhani imeneyo, kutaikiridwa sikungavomerezedwe kaamba ka zifuno za msonkho, kungawonjezere ngongole yanu ya msonkho. Kumvetsetsa masinthidwe ameneŵa ndi malamulo nkofunika kaamba ka lipoti lolondola.

Kuŵerenga Malikulu Kumayenda Panjira

Kuti muŵerengetse molondola zimene mupeza pamalikulu anu, tsatirani masitepe awa:

  • Kudziŵikitsa chinthu chimene munagulitsa. Onani deti la kugula ndi deti la kugulitsa kuti mudziŵe chithandizo cha kanthaŵi kochepa kapena kanthaŵi kotalika.
  • Kugwirizana ndi maziko anu a mtengo [. Kuwonjeza ndalama, umenewu ndi mtengo wogulira ndi makampani kapena ndalama zilizonse zolipiridwa. Malo, kuphatikizapo kutsekera, kuwongoletsera ndalama, ndi kusabwezeretsanso zinthu za lendi.
  • Kulunjika kaamba ka zochitika zina . Mamtengo, kusinthira ku kugaŵikana kwa ma stock, kuzungulira, ndi kubwezeretsa mapindu owonjezereka maziko anu. Oikizira ndalama za ndalama za kampani ayenera kuŵerengera kaamba ka zigawiro zamalikulu zimene zimabwezedwa modzifunira.
  • . . . . . Kugulitsa ndalama zonse zimene agula, makhonsati, kapena ndalama zogulitsa (m., makampani ogulitsa malo).
  • Tsalani maziko osinthidwa kuchokera ku khoka lotulukapo. Chotulukapo chabwino ndicho phindu la malikulu; chotulukapo choipa ndicho kutaikiridwa kwa imfa.

Mwachitsanzo: Munagula magawo 100 a sitolo pa $50 pa mlingo umodzi wa $5,000 . Munalipira chiwonkhetso cha $100,000. Maziko anu ndi $5,010. Zaka ziŵiri pambuyo pake, mumagulitsa magawo onse pa $75 pa gawo limodzi, kugulitsa $7,500 pambuyo pa kugulitsa konsi. Phindu lanu lalikulu ndi $7,500 - $5,010 = $,490, imene ndi phindu la ndalama la masiku.

Mapeto ndi Madontho

Zopereka zingapo zingachepetse kapena kuchotsa kulipirani msonkho kwa malikulu anu:

Kubwereranso Kwathu

Pansi pa Gawo 121 la Lamulo la Mwinievenu, ngati muli ndi kukhala m’nyumba mwanu kwa zaka zosachepera ziŵiri mwa zisanu musanagulitse, mungachotse ndalama zamalipiro a ndalama zokwanira $500,000 kwa okwatirana pamodzi. Kupatula kumeneku kungagwiritsidwe ntchito kamodzi pa zaka ziŵiri. Mwachitsanzo, ngati muli mbeta ndipo mugulitsa nyumba yanu ndi ndalama zokwana madola 500,000, ndizo msonkho ngati mukwaniritsa zofunika za m'nyumba.

Kutsala kwa Malikulu

Kutayika kwakukulu kungagwiritsiridwe ntchito kubwezera ndalama zopitira ndalama za makampani. Ngati kutayikiridwa kwanu kupitirira phindu lanu, mungawononge ndalama zokwana $3,500 ($1,500 ngati muli pabanja) za kutayikiridwa kwa makampani ndi ndalama wamba chaka chilichonse. Kutayikiridwa kulikonse kungapititsidwe patsogolo kosatha kuti apeze phindu la mtsogolo. Njira imeneyi, kaŵirikaŵiri yotchedwa kututa msonkho, ndiyo yotchuka pakati pa amalonda okangalika kuchepetsa msonkhoma wawo.

Mapulumutso Ena

Katundu wina wa ndalama wamalonda wosungidwa kwa zaka zoposa zisanu (katundu wa kampani waung’ono wotchuka pa Gawo 1202) kangayeneretsedwa kaamba ka kuchotsedwa kufikira 100% ya phindulo, kuŵirikiza $10 miliyoni kapena 10 kuŵirikiza nthaŵi zonse maziko owongolera. Kuwonjezerapo, amapezapo pa kugulitsa chuma china chosungidwa m'maakaunti a msonkho onga Roth IRAs samakhometsedwa konse pamene achotsedwa pansi pa zogaŵira zoyenerera.

Likulu Lapeza Msonkho Wochuluka

Table ili pansipa ikulongosola mwachidule ndalama zamalikulu 2025 za nyengo yaitali za msonkho wa ndalama za mafashoni osiyanasiyana. Kupeza kanthaŵi kochepa kumagulitsidwa pa ndalama zimene anthu ambiri amapeza, zimene sizisonyezedwa pano koma zili pakati pa 10% mpaka 37%.

  • Mwezi: Osakwatira amene ali ndi ndalama zolipidwa kufikira $47,025; kukwatirana pamodzi kufikira $94,050; mutu wa banja kufika $63,000.
  • Mwezi wa 15%: Okhawokha olandira msonkho pakati pa $47,92 ndi $518,900; ukwati wa mapepala pakati pa $94,051 ndi $53,50; mutu wa banja pakati pa $63,001 ndi $605200.
  • 20% Mwezi: Osakwatira okhala ndi ndalama zokhometsa msonkho woposa $518,900; kumanga mapepala aukwati pamodzi oposa $583,50; mutu wa banja pamwamba pa $605,200.

Wonjezerani 3.8% Net Infige Inves Income Tax (NIIT) ya okhoma msonkho ndi AGI yosinthidwa yoposa $200,000 ($250,000 muukwati pamodzi). Motero, mlingo wogwira mtima wa nthaŵi yaitali ukhoza kufika 23.8%.

Magulu Ochepetsa Malikulu Apeza Msonkho

Kukonzekera kungachepetse kwambiri ndalama zimene anthu amalipira kumalikulu.

Kusunga Zikwama Zakale

Kukhala ndi ndalama kwa chaka chimodzi kumasintha kuchoka pa kanthaŵi kofupika mpaka pa kaundane wa nthaŵi yaitali, kuchepetsa kwambiri mtengo wa msonkho. Munthu wa m'gulu la ndalama zolandira 24%, msonkho wa ndalama zokwana madola 10,000 (kanthaŵi) umatsika kuchoka pa $1,500 (kanthaŵi kochepa) kufika pa $1,500 (mphindi 15%), kusungitsa $900.

Kututa Msonkho

Kugulitsa zinthu zosafunika kwambiri kuti muone kuti zinthu zimene mwapeza zawonongeka ndi njira yamphamvu. Mukhoza kutaya ndalama zambiri kuti mupeze ndalama zolipiridwa. Muyenera kukumbukira lamulo la kusambira, limene limawononga ndalama ngati mutagula chinthu chimodzi kapena chitetezo chofanana kwambiri m’masiku 30 okha.

Gwiritsirani Ntchito Nkhani za Msonkho

Maakaunti oyenerera opatula monga IRAS ndi 401 (k) amalola kuikizira ndalama kuwonjezereka; mapindu a ndalama samakhomedwa kufikira mutachotsa ndalama, ndiyeno pa ndalama zopezedwa. Roth IRAS ndi Roth 401 (k) amapereka msonkho waulere ndi kuchotsapo msonkho, kuchotsa ndalama zonse za misonkho mwa kupeza ndalama. Mofananamo, makonzedwe 529 a maphunziro amalola kukula kwa msonkho ndi kuchotsedwa kwa ndalama zoyenerera za maphunziro.

Mofanana ndi Kind Exchange (Kusintha 1031)

Malo a makampani a makampani anganyamule msonkho mwa kugwiritsira ntchito ndalama zimene zagulitsidwa kugula chuma cha mtundu wofanana ndi umenewu kudzera mwa nkhoswe yodziŵa bwino. Phindulo limagulitsidwa kwamuyaya mpaka katunduyo atagulitsidwa popanda kusinthidwa. Ili ndi galimoto yamphamvu yomangira chuma cha malo.

Muzipereka Zinthu Zofunika Kuti Muthandize Ena

Ngati mupereka ndalama zosungidwa kapena malo enieni mwachindunji ku bungwe lothandiza anthu oyenerera, mungapereke ndalama zokwanira monga zothandizira anthu osoŵa (pomvera malire a AGI) ndi kupeŵa kulipira msonkho wamalikulu pa kuyamikira.

Malo Ochezera

Kusunga ndalama zoyendetsera malowolo kumathandiza kuti muchepetse misonkho imene mwapeza pochita bizinesiyo, ndipo ngakhale kuchepetsa misonkho yoyamikira ndalama zatsopanozo ngati mutaisunga kwa zaka pafupifupi 10.

Muzisamala Pochita Zinthu Mwamwayi

Ngati muli pafupi ndi kupata ndalama zambiri zopitira ku likulu, mungafune kuchedwa kutulukira phindu kufikira chaka pamene ndalama zanu zichepa / Mwachitsanzo, mutapuma pantchito.

Mubweze Msonkho wa Msonkho wa M’malikulu Amalonda

Kusimba phindu la malipoti ndi kutaikiridwa kumafunikira IRS form 8949 (Salens ndi Masinthidwe Ena a Ansitimeties) ndi Shedyl D (Citapita Gails ndi Loss). Pa 90949, mumandandalika malonda alionse, kuphatikizapo malongosoledwe a ndalama, dati lopezedwa, mtengo wogulitsidwa, ndi mapindu ake, ndi kutayikiridwa kwa zinthu. Mapangano achidule amasimbidwa mosiyana ndi ena anthaŵi yaitali. Mapikiyo kuchokera ku Form 8949 amasamutsidwira ku Shepyley D, imene imaŵerengera ndalama zopindulitsa kapena kutayika. Pomalizira pake, mtengo wa khoti umaloŵa pa fomu 1040, 7 (kwa mafomu 2024).

Makampani a ma brokerage akufunika kupereka umboni wa zinthu zimene zikufunani ndi zimene zikufuna kuti mukhale ndi ndalama zambiri, ndalama zogawidwa, ndi ndalama zosinthanitsa ndi ndalama zimene zinagulidwa pambuyo pa masiku apadera. Pa mapepala otetezera, mulandira Mafomu 1099-B kufotokoza mwachidule malonda anu. Onetsetsani kuyang'anira kuchuluka kwa ndalama, makamaka ngati mupanga masinthidwe a masheya kapena kubwezeretsa ndalama zimene sizinatengedwe ndi mapepala ogulitsa.

Likulu la Ukulu wa Boma Likulingaliridwa Kukhala ndi Msonkho

Boma lanu lingawonenso ndalama zamalikulu. Maboma ambiri amawona ndalama zamalikulu monga ndalama wamba, kuzikhometsa pamlingo umodzi monga malipiro. Maboma opanda msonkho wa ndalama zopezedwa Florida, Texas, Nevada, ndi Washington . Nthaŵi zonse sapita ku makampani a msonkho pamlingo wa boma lanu. Maboma ena, monga California, New York, ndi Oregon, ndalama zokwezera msonkho pamalipiro apamwamba. Maboma angapo amapereka chithandizo chapamwamba, chonga ngati liŵiro lotsika la chipambano cha nthaŵi yaitali kapena kutulapo padera. Nthaŵi zonse funsirani kwa akuluakulu a msonkho m'dziko lanu kapena akatswiri a za msonkho kuti amvetse mmene misonkho yanu imayambukirira kubwerera kwanu.

Kumaliza

Kupeza msonkho wa ndalama zambiri ndi mphamvu yaikulu pa ndalama za munthu mwini, koma sikuyenera kukhala chinsinsi. Mwakuzindikira kusiyana pakati pa kanthaŵi kochepa ndi phindu lakanthaŵi, kudziŵa kuŵerengera maziko anu, ndi kugwiritsa ntchito njira zanzeru monga kusungitsa ndalama zoyendetsera ndalama, kututa, ndi kugwiritsira ntchito maakaunti a misonkho odalirika, mukhoza kusunga ndalama zambiri. Malamulo a msonkho amapereka mipata yambiri yochepetsera katundu wanu ngati mukonzekera kutsogolo. Zinthu zovuta kuŵerengera bwino, makamaka awo amene amakhudza malo enieni, malonda, kapena makampani aakulu a malonda, kugwira ntchito ndi katswiri wa misonkho kapena programu yapadera ya za mapulogalamu apadera amayamikiridwa mwamphamvu. Malamulo odziŵa bwino kwambiri ponena za mmene ndalama zimayendetsera ndi kusungitsa chuma chanu patali.

Kuti muŵerenge mowonjezereka, fufuzani [[FLT: 0] Callars Gains ndi Ress Throet , bwererani [[FLT:] kuima kwa .Intedia chidule cha kupata msonkho wa likulu , ndi kuyang'ana [[FLT:] , ndi kuyang'ana [FLT] likulu la likulu la mlingo wa msonkho kaamba ka kukwera ndi kubwera ku matchati ndi zitsanzo.