Mutero unowana mutengo mukuru ndeimwe yemifungo inotapura zvikurusa mumari yomunhu oga nokuisa mari. Idzo dzinotapura zvakananga kudzorwa kwemambure aunowana pamari yakadai semasheya, zvisungo, mari yavose, nzvimbo, uye kunyange kusava nechokwadi. Nepo mutero umene wakananga munheyo. (a levy pamhindu yokutengesa midziyo yakakwirira (mabumbiro emitemo anodzora, anoshumwa, uye anoderedzwa. Kunzwisisa izvi zvinogona kukuponesa zviuru zvamadhora muupenyu hwako uye kukubatsira kuita zvisarudzo zvemari zvinowirirana nevavariro dzako dzemari.

Chii Chiri Mutoro Unowana Mutero?

Mutero wemari unopiwa pamutero wemhindu unowanwa apo unotengesa kana kuti zvimwe kurasa pfuma yedzimbahwe. Mhindu, inozivikanwa semhindu huru, musiano pakati pomutengo wemari inotengeswa nomutengo wayo (kana kuti "wamarindi"). Mari huru inobatanidza chinhu chiri chose chinobva mumitengo yemari yakadai semitengo nezvisungo zvezvinhu zvomunhu oga zvakadai semifananidzo, zvishongo, uye nzvimbo chaiyoiyo. Chinokosha ndechokuti mutero unoshanda bedzi kumhindu, kwete hwerengedzo yemari inobva mukutengeswa.

Kusafanana nomutero wemari inotambirwa, unoshanda kumibhadharo, mibhadharo, uye mhindu yebhizimisi, mwero yemari inowana mitero inowanzova yakanaka zvikuru (8) zvikurukuru nokuda kwepfuma inoitwa kwerinopfuura gore rimwe. Uku kubata kunodikanwa kunoitirwa kukurudzira kuiswa kwemari yenguva refu newedzemari. Zvisinei, mitemo inosiana zvikuru zvichitsamira pakuti waichengeta kwenguva yakareba sei usati waitengesa uye mwero wako wose wemari inobhadharwa mutero.

Marudzi Edzimbahwe Anowana

Kurongwa uku kunoratidza mwero wemitero yakashandiswa pakuwana mhindu yacho.

Muzinda Wenguva Pfupi Unobudirira

Kuwana mari shoma kwenhambo pfupi yemari inobva muzvinhu zvaunoita kwegore rimwe kana kuti pasi. Iyi mhindu inobhadharwa semariwowo zvayo, zvinoreva kuti inowedzerwa kumari yako uye inobhadharwa maererano neboka remitero riri paruvara rwaunowiramo. Panosvika 2025, mwero wemitero yemari inotambirwawo yaunotambira inovambira pa10% kusvika ku 37%. Somuenzaniso, kana uri mu 24% yebhuraki yemitero uye uchitengesa sheketi yemari yemari ye $5 000 pashure pokuichengeta kwemwedzi mitanhatu bedzi, uchabhadhara $1200 000 mumutero womubatanidzwa wehurumende paipurofiti iyoyo. Cherekedza kuti nhambo yenhambo pfupi yemitengo inozviisawo pasi peNet Infation Infation Infactive Infation ye3, 3.8 kana kuti mapepa ako akagadziridzwa anopfuura mari yakakwira mari inenge $200,000 000 000 nokuda kwemitengo yemitezoro imwe yemitezo yomuchato.

Muzinda Wakareba Wamatomu Unowana

Nzvero dzemari dzakaitwa kwenguva refu dzinoshanda kumari dzinopfuura gore rimwe. Iyi mhindu inokwaniriswa nokuda kwemwero yemitero inofanirwa nemitero, iyo yakaderera zvikuru kupfuura mwero yemariwo zvayo. Nokuda kwavanobhadharisa vazhinjisa, mari yemari yapanhambo refu yemari inobhadharwa i0%, 15%, kana kuti 20%, zvichitsamira pamari inobhadharwa. Muna 2025, 0% inoshanda kuvasatanu vemari inobhadharwa kusvikira ku $4,025,50, uye vakuru vemhuri vanokwidza kusvika ku $6,000. Mwero wemari inobatira mari pamusoro pemari inokwira kusvikira ku $5,5,0,00,50 nokuda kwemitengo yemitezo yeroorano, mwero unopfuureverwa kukwira.

Mawaniro Anoita Mitero Muzinda

Kuronga mhindu huru kana kuti kurasikirwa kuri nyore kunzwisisa, asi dhiyabhorosi ari muudzame. Chinonyanya kukosha ndeichi: Kutengesa Price Face centre Cost Hass Immunity Reage (kana kuti Loss). Zvisinei, mutengo wacho hausi mutengo wapakuvamba nguva dzose. Unogona kugadziridzwa nokuda kwokukamuranisa stock, tsiva, kuvandudza nzvimbo chaiyoiyo, nezvimwe zvinhu. Somuenzaniso, kana ukatenga nzvimbo yokurenda $200,000 uye gare gare gare ukapedza $30 000 padenga idzva, mutengo wako wakagadziridzwa ungava $30 000.

Mutemo wokugeza ndimumwe kurangarira kwokungwarira nokuda kwavabetseri vemari vanotengesa mitongo ndokutengazve chikwereti chakafanana mukati mamazuva 30 pamberi kana kuti pashure pokutengeswa. Muchinoitika ichocho, kurasikirwa kwacho hakubvumirwi nokuda kwamadonzo omutero, kungawedzera mutero wako. Kunzwisisa iyi gadziridzo nemirau zvinokosha nokuda kwokushuma kwakarurama.

Kuverenga Muzinda Mukuru Kunofambira Mberi Nenzira

Kuti uverenge zvakanaka zvinhu zvawawana padzimbahwe rako, tevera makwara awa:

  • Kuratidza chinhu chawakatengesa. Cherekedza musi wokuwana uye musi wokutengesa kuti uone kurapa kwenguva pfupi kana kuti kwenguva refu.
  • Kudzosa hwaro hwako hwemari. Nokuda kwokuisa mari mumitengo yokutenga, uyu ndiwo mutengo waiwanzobatanidza mamishoni api naapi kana kuti mari inobhadharwa. Kana iri nzvimbo, kubatanidza mari yokuvhara, kunatsiridza mari, uye kubvisa kudzosera kudzokororwa kwenzvimbo dzaro.
  • [[FT:0] Kururamisa nokuda kwezvinoitika zvakati[[FT:1]. Nokuda kwemasheya, kugadziridza nokuda kwezvikamu, kusiiwa, uye tsiva mibayiro inowedzera hwaro hwako. Vatengi vemari yemari vanofanira kuisa mhaka nokuda kwemhindu dzemari dzinodzorwa nedzinodzorwa nechadziro.
  • [[FLT: 0] Kuronga mambure kunobuda papepa. Uyu ndiwo mutengo wokutengesa usiri mutengi, mitero, kana kuti mari yokutengesa (g., makambani anotengesa nzvimbo).
  • Kutora hwaro hwakagadziridzwa[[FT:1] kubva murutava runobva. Muuyo wakananga ipfuma; muuyo wakaipa kurasikirwa nedzimbahwe.

Somuenzaniso: Wakatenga zvikamu 100 zvechitoro pa $50 000 pahwerengedzo yehh $15 000 pahwerengedzo ye $105. Wabhadhara chitsama che $5,50. Hwaro hwako i $5,010, makore maviri gare gare, unotengesa zvose nokuda kwe $75 pagoverano, uchitenga mambure $7 500 pashure pekondirasi inotengesa $10. Mhindu yako huru i $7,500 - $5,010 = $490 (Z $6,490), iyo iri mhindu yenguva refu.

Kusunungurwa Nezvinonyungudutswa

Gadziriro dzinoverengeka dzinogona kuderedza kana kuti kubvisa kuwana kwako mari huru mungava wemitero:

Kudzokera Kunzvimbo Yedu Kunokosha

Chikamu 121 cheInternst Revenue Code, kana iwe uri woga uye uchigara mumusha mako kwaanenge makore maviri pamashanu usati watengesa, unogona kubvisa mari yehomwe dzinosvika $50 000 (Z $50 000 nokuda kwevakaroorana pamwe) pamutero. Uku kubvisa kunogona kushandiswa kamwe chete makore maviri ari ose. Somuenzaniso, kana usina kuroora uye uchitengesa musha wako nokuda kwemari inokwana $350 000, $50 000 bedzi inobhadharwa kana ukaita zvinodikanwa zvokugara.

Kurasikirwa Neguta Guru Kunotsiva

Kurasikirwa kukuru kunogona kushandiswa kutsiva kuwana mari inopfuudza mari nokuda kwedar. Kana kurasikirwa kwako kunopfuura mhindu dzako, unogona kubvisa $3 000 ($1 500) yendyiko huru yamambure yakaparadzana nokurasikirwawo zvako gore rimwe nerimwe. Kurasikirwa kupi nokupi kwasara kunogona kuendeswa mberi kusvikira kunguva isingazivikanwi kudzoresa mhindu dzenguva yemberi. Iyi nzira, inowanzonzi kucheka mitero, yakakurumbira pakati pavavengi vanoshingaira kuderedza mutoro wavo wemitero.

Dzimwe Tsumo

Masheya ebhizimisi maduku akati anoitwa kwaanopfuura makore mashanu (butiro duku rebhizimisi rinokwaniriswa muChikamu 1202) angakwaniriswa nokuda kwokubviswa kwe 100% yemhindu, kusvikira kuukuru hwe $10 mamirioni kana kuti 10 hwaro hwakagadziridzwa. Mukuwedzera, purofiti kubva mukutengeswa kwezvimwe zvinhu zvinochengetwa mumitero yakaisvonaka zvakadai seROth IRAs haibhadharwi kana kuchitongobviswa mukugoverwa kwakakodzera.

Guta Rinowana Mitero Yakakwana

Tafura iri pasi apa inopfupikisa mari yemari yakareba 2025 inowana mitero yemitero nokuda kwemitengo yokurongedza yakasiana. Kuwana kwenhambo pfupi kunobhadharwa pamwero wemariwo zvayo, iyo isingaratidzirwi pano asi yakasiana kubva pa 10% kusvikira ku 37%.

  • Mwero: Varongi vasina kuroora vane mari inobhadharwa inokwana $47 025; vakaroora pamwe chete kusvika ku $94 050; musoro wemba kusvika $63 000.
  • 15% Mwero: Varoyi vamwe vane mari inobhadharwa mutero pakati pe $47,518 ne $510,900; vakaroorera pamwe chete pakati pe $94 05 ne $57 750; musoro wemhuri pakati pe $63,001 ne $605 200.
  • 20% Mwero:[ Vagadziri vemitero vasina kuroora vane mari inobhadharwa inobhadhara kupfuura $518 900; vakaroora pamwe chete kupfuura $53 750; musoro wemba unopfuura $605 200.

Wedzera 3,8% Net Investicement Income Tax (NIIT) yemitero ine AGI yakagadziridzwa inopfuura $200,000 ($250 000) yakarongedzwa pamwero wakakwirira wenhambo refu yeroorano). Nokudaro, mwero unobudirira wenhambo refu unogona kusvika 23,8%.

Misangano Yokuderedza Muzinda Inobudirira

Kuronga kunogona kuderedza zvikuru kubhadhara mari yezvikwereti.

Kuchengeta Zvibereko Nguva Refu

Kungova bedzi nezvinhu kwerinopfuura gore rimwe kunozvisunda kubva panhambo pfupi kusvikira kurusaniso rwenhambo refu, kuchideredza zvikuru mwero wemitero. Kumunhu ari muboka remari inotambirwa ne 24%, mutero pamhindu ye $10 000 unoderera kubva pa $2,400 (nguva pfupi) kusvika ku $1 500 (inenge nguva 15% mwero), uchichengeta $900.

Kukohwa Mutero

Kutengesa zvinhu zvisingashandisi zvakanaka kuti uzive kurasikirwa nemhindu dzinoshanda ikoma. Unogona kuwana purofiti yemitero kuti upedze mitero. Rangarira mutemo wokushamba, unobvisa kurasikirwa kana ukatenga zvimwe kana kuti chengeteko yakafanana zvikuru mukati mamazuva 30.

Shandisa Mitero Yakanaka

Maakaundi okurega basa akakwaniriswa akadai seIRAS na 401(k) anobvumira kuiswa kwemari yokutenga mari kukura; mhindu dzemari hadzibhadharwi kutozosvikira wabvisa mari, uye ipapo pamwero wemariwo zvawo. Roth IRAS naRth 401 (k) anopa kukura kwemitero isina kushata uye kubvisa mitero yakakwana, kubvisa mitero yemari yakakwirira yose newavandaro yedzidzo. Nenzira yakafanana, zvirongwa 529 zvendyiko dzedzidzo zvinobvumira kukura kwemitero nendyiko yedzidzo yakakodzera.

Kufanana neKindidhi Exchanges (Kuchinja 1031)

Vane nzvimbo dzedzimba vanogona kuderedza mari yemari inobhadharwa nokushandisa mari inobva papepa rokutengesa kutenga zvinhu zvakafanana neromumiririri akakwaniriswa. Mhindu yacho inodzoswa kusvikira nzvimbo yacho yatengeswa pasina kutsiviwa. Iyi imotokari ine simba yokuvaka pfuma yenzvimbo nokufamba kwenguva.

Kupa Zvinhu Zvinokosheswa Kumari

Kana ukapa mari inotendwa kana kuti nzvimbo inotendwa kusangano rinopa mari inotsvakwa, unogona kuisa mari yose yokutengeserana semupiro womutsa (mumukuwirirana neganhuriro dzeAGI) ndokudzivisa kubhadhara mari yehomwe pakuonga. Ikoku kazhinji kazhinji kunova mari yomutero zvikuru kupfuura kutengesa pfuma yacho nokupa mari.

Mabanza

Kuchengetedza mari kunobudirira muNzvimbo Dzokuwana Mberi Dzakakwaniriswa kunobvumira kuti uderedze mitero uye zvingangoderedza mitero pamhindu yokutanga, uye kunyange kubvisa mitero pakuonga mari itsva kana ikaitwa kwemakore anenge gumi.

Ronga Nguva Yako Yokushandisa Nguva Yako

Kana uri pedyo nokuwana mari yakawanda zvikuru, ungada kunonozeka kuwana budiriro kusvikira gore apo mari yako inenge yakaderera(semuenzaniso, pashure pokurega basa). Nenzira yakafanana, kukurumidza kuderedza mari inobhadharwa mugore raunobhadhara zvikuru kunogona kuderedza mari yako inobhadharwa ndokuchengeta mhindu iri mu0% bhurakeri.

Muzinda Wavaikwidza Unowana Mutero Wako

Kushuma purofiti huru nokurasikirwa kunoda IRS ImFum 8949 (Sales neMimwe Mitemo yeCapital Assets) uye Shedy D (Cpital Gains and Loss). PaNhamba 8949, ukaronga kutengeserana kumwe nokumwe, kubatanidza rondedzero yepfuma, yakawanikwa, musi wakatengwa, mutengo wokutengesa, mutengo, uye mhindu kana kuti kurasikirwa kunovapo. Zvibvumirano zvenguva pfupi zvinoshumwa zvakasiana kubva kune dzimwe nguva refu. Zvitsama zvitsama 8949 zvinochinjirwa kuD, izvo zvinoverenga mutengo wemambure wemambure wacho kuti uwane chinhu chikuru kana kuti kurasikirwa. Pakupedzisira, chitsamambure chinopinzwa paForm 10,40, 7 (nokureva zvimiro 2024).

Mafemu ebhuroka anodikanirwa kushuma mashoko anobva pahwaro kwauri mose muri vaviri neIRS nokuda kwemari zhinjisa, mari dzinowirirana, uye mari yakatsinhaniswa netsinhano dzakatengwa pashure pemisi yakati. Nokuda kwemitengo yakafukidzwa, uchagamuchira Mutengo 1099-B kupfupikisa kutengeserana kwako. Iva nechokwadi chokunzvera zvitsama zvapawandi, zvikurukuru kana ukaita gadziridzo nokuda kwezvikamu zvakakamurwa kana kuti puro dzisingatangwi nezvikamu zvakakamurwa.

Muzinda Wakakwirira weHurumende Unowana Kurangarirwa Kwemitero

Hurumende ingavawo nemhindu dzemari yemitero. Nyika zhinjisa dzinobata mari yemari yakakwirira semari inotambirwawo, inozvibhadharisa pamwero mumwe cheteyo semitero. Nyika dzisina mutero wemari yakaderera yakadai seFlorida, Texas, Nevada, neWashington.__haufaniri kutora mari yemari huru yemitero pamwero wehurumende yako. Dzimwe nyika, dzakadai seCalifornia, New York, uye Oregon, mari yemari yemitero inobhadharwa pamwero yakakwirira. Nyika shomanene dzinopa kubatwa kwaparefeyi kwemiba refu kana kuti kutsaunzi. Nguva dzose bvunza chiremera chemitero munyika yako kana kuti nyanzvi yemitero kuti inzwisise sei kudzosera mitero.

mhedziso

Kuwana mari yemari yakawanda isimba guru mune zvemari, asi hakufaniri kuva chinhu chakavanzika. Nokunzwisisa kusiyana pakati penguva pfupi nemhindu dzakareba, kuziva kuti ungaverenga sei hwaro hwako, uye kushandisa nzira dzokuchenjera dzakadai sokuita kuti pave nenguva refu, kukohwa kurasikirwa, uye kushandisa maakaundi emitero anobatsira, unogona kuchengeta zvakawanda zvaunowana. Mitemo yemitero inogovera mikana yakawanda yokuderedza mutoro wako kana uchironga mberi. Zvikanyanya mamiriro ezvinhu akaoma(() anobatanidza nzvimbo chaiyo, kutengesa, kana kuti bhizimisi guru rokubhadhadha, rinoshanda nenyanzvi yemitero kana kuti purogiramu yemitero inokodzera kugona kurumbidzwa zvikuru. Zvinoziva pamusoro penzira remari inova, yakagadzirwa zviri nani zvichava zvokuchengetedza nokuchengetedza upfumi hwako kwenguva refu.

Nokuda kwokuravazve, bvunza [[FLT: 0] dzimbahwe reIRS Gains ne Ress True True, hwirudzura [[FLT:]] Finifiki yeIntedia inowanwa pamutero [, uye cheke [[FLT] .[FLT] inowana mwero wemutero nokuda kwemachati nemienzaniso yezuva.