Ma kēiaʻatikala, e nānā pono kākou i ka mālamaʻiaʻana o nā waihona i ka wā e loaʻa ai nā'āpana kālā a me nā mea e hiki ai i nā mea kālā ke hoʻonui i ko lākou loaʻa kālā.
ʻO kaʻauhauʻauhau'Āpana
ʻO kaʻauhau ma nā US dividend stocks he mea pololei loa ia. Ma hope o ka loaʻaʻana o nā'āpana kālā mai nā ukana i loaʻa iāʻoe, hoʻokomoʻoe iā lākou i kāu paneʻauhau a uku i kaʻauhauʻauhau. Inā mālamaʻia lākou ma kahi moʻokāki i kākoʻoʻia i kaʻauhau , e like me ka IRA ,ʻaʻoleʻoe e uku i kaʻauhau ma luna o lākou. ʻO ka mea pōʻino, uaʻoi aku ka paʻakikī nā hoʻolaha'āina'ē.
ʻO ke kumu o ka hoʻokaʻawaleʻiaʻana o nā uku i ukuʻia e kekahi Hui'ē i kaʻauhau e ka'āina'āina o ia hui. I ke kumukānāwai, eia keʻano e hiki iāʻoe ke waiho i nā palapalaʻauhau kūikawā no kēlā me kēia'āina āu e loaʻa ai nā'āpana kālā. ʻO ka uku o kaʻauhau hoʻohālike a me kekahi'āina a kekahi'āina,ʻo ia hoʻi ka mea e noi aku i kāu mea hana pākaha no ka uku pono.
ʻO ka'ōlelo maikaʻi, uaʻae kekahi mauʻaelike meʻAmelika Huipūʻia eʻoi aku ka maʻalahi o kaʻoihana, akā e like kēia mauʻaelike e pili ana i ka'āina aʻo nā mea waiwai kālā e kūkākūkā i nā lunaʻauhau kālā ma mua o ka hanaʻana i kahi kūʻokoʻa.
Ma nā hihia'ē aʻe, hāʻawi kaʻAmelika Hui PūʻIa i nā hōʻai'ēʻauhau i nā mea kālā e hoʻokaʻawale i nā uku i ukuʻia e lākou i nāʻauhauʻauhau'ē.
Ke hoʻohanaʻana i nā uku kālā o nā'āina'ē
ʻO ka US Revenue Service (IRS) ke hāʻawi aku i kahi hōʻai'ēʻauhau'ē aʻe a iʻole i ka unuhiʻia no nāʻauhau i loaʻa ma kahi'āina'ē ma kahi kālā'ē aʻe o nā kālā e pili ana i kaʻauhauʻAmelika ma ka waiwai hoʻokahi, e like me nā'āpana waiwai .
ʻO ka mea nui,ʻo kēia mauʻauhau kālā wale nō e pili wale nō i ka hoʻokaʻawaleʻana i nāʻauhau i ukuʻia ma ka US, no lailaʻaʻole pono i kekahi poʻe hoʻomaha hoʻomaha.
Ma keʻano maʻamau, hiki i nā mea kālā e loaʻa ana ma lalo o $ 300 ma nā hōʻai'ē kālā'ē aʻe ke waiho i nā kumukūʻai ma luna o ka Form 1040, inā e mālamaʻia nā'āpana e nīnauʻia ana i loko o kahi moʻomeheu a me ka puka 1099-DIV. Ināʻole, pono e waiho i ka Form 1116 i mea e noi ai no ka hōʻai'ēʻauhau a hoʻokomo i ka Form 1040.
ʻO ka hopena,ʻaʻole e pili ka hōʻai'ē kālā o nā haole i kekahi mauʻano. ʻO ka mea mua,ʻaʻole e hiki i ka hōʻai'ē keʻoi aku ma mua o kāu mau kumu'āina'ē aʻe o ka waiwai i puʻunaueʻia e kāu kālā ākea a puni kaʻauhau. Aʻo ka lua,ʻo kekahi mau'āina i kūponoʻole meʻAmelika Hui Pūʻia,ʻaʻole paha e kūponoʻia no ka hōʻai'ē kālā o nā'āina'ē, e like me nā'āina e hakakā nei me nā US.
Nā Pūnaewele Paʻi
ʻO ka poʻe e pili ana i ka retiʻana, e like me 401 (k) s, IRA, a me Roth IRA , pono lākou e nānā i kēia mau pilikia. No ka mea,ʻaʻohe kālāʻauhau kālā ma ka US ma nā mahele,ʻo nāʻauhau'ē aʻe i kāohiʻia i nā kumukūʻai waiwai i loko o kēia mau pūʻulu ua nalowale mau loa. I nā'āina kahi e hiki ai ke kiʻekiʻe aʻe kaʻauhau kālā ma mua o 20%, hiki i kēia ke hoʻoemi haʻahaʻa i nā hua .
Loaʻa kekahi mau'āina i kaʻauʻaʻole i nāʻauhau ma nā'āpana a iʻole he hāʻawi kūikawā no nā mea hoʻolale kālā Hawaiʻi. Ma muli o ka hopena, makemake paha nā mea kālā i nāʻauhau kālā kālepa e hōʻemi i kā lākou kūʻai kālāʻana ma nā'āina'ē i kēia mau'āina.
Nā Nīnau Kuhi a me nā Kuleana Hope
ʻO ka hapanui o nā'āina he mau'elike kālepa me ka US, hiki ke kōkua i ka hoʻohaʻahaʻaʻana i nā ukuʻauhau no nā mea waiwai i nā waihona waiwai'ē. Akā, i kekahi mau mea, hiki ke hoʻokaʻawaleʻia ka huina kālā ma ka mea kūʻai aku i ka mea kūʻai kālā, no ka mea, pono e hoʻoili i nā palapala me nā mana o nā'āina'ē. I kekahi mau hihia, hiki i nā mea waiwai kālā hoʻokahi ke koho e lawe i kēia ala e loaʻa ai ka uku kuhi .
I ka hopena, e hiki i nā kumukūʻai o nā haole ke lilo iʻoihanaʻoihana no nā mea hoʻolale kālā. Akā,ʻo ka mea nui, he mea nui e hoʻomanaʻo i kekahi mau kumu koʻikoʻi i ka wā e hoʻokomo ai i nā waihona kālā hoʻopili kālā:
- Hāʻawi aku kaʻAmelika i ka hōʻai'ēʻauhau'ē aʻe no nā mea kālā e loaʻa ana i ka uku pākēlua ma ka ukuʻana i kaʻauhau kālā i ka'āina'ē a me ka US.
- ʻAʻole kūpono nā palapala hōʻai'ē no ka hōʻai'ēʻauhau'ēʻana , no ka meaʻaʻole lākou e uku i nāʻauhau i ka US
- Pono nā mea kālā e noi i kā lākou mau hoa ukali e aʻo e pili ana i ka uku o kaʻauhauʻauhau ma nā'āina likeʻole, no ka mea, he likeʻole nā kumukūʻai ma waena o ka'āina a me kahi pūnaewele pūnaewele.
- Hiki paha i nā mea hoʻolako ke makemake e nīnau i kekahi lunaʻike kālā eʻike i ka hopena o kēia mau hihia pili kālā i ko lākou kūlana kūpono i ka wā e loaʻa ai ke kālā kālā.