Loaʻa kālā nui āu i noiʻole
ʻAʻohe mea mālama kālā e hoʻopuka i ka ukuʻana i nāʻauhauʻoi aʻe ma mua o ka mea e pono ai ke kohoʻana i ke kālā hui. Akā, hiki i nā'āpana waiwai kālā ke loaʻa iāʻoe mai kahi kiaʻi ināʻaʻoleʻoe iʻike i keʻano o lākou a me ka hanaʻana.
E aʻo i kēia manawa e pili ana i nā hoʻolaha kālā kālā a lilo i mea hoʻokele waiwai.
Pehea ka Mutual Fund Capital Gains Distributions Mahele
I kēlā me kēia makahiki, ma nā mahinaʻelua i hala hope o ka makahiki, hiki i nā mea hui kālā e hoʻopiʻi i ka hiki i ka loaʻaʻana o nā hāʻawi kālā kālā kālā mai kā lākou kālā like. Akāʻaʻole kēia mau waiwai i ka maikaʻi.
ʻO ka loaʻaʻana o nā kumukūʻai o nā kālā nui ma muli o ka mālamaʻana i ke kūʻaiʻana i nā'āpana o hoʻokahi aʻoi aku paha o nā waihona o ka waihona i ka makahikiʻauhau. Inā hoʻoholo ka luna waihona kālā e kūʻai i kahi kumukūʻai ma muli o ka loli o ka nānāʻana, a inā paha e hoʻonuiʻo ia i ke kālā no ka hoʻopakeleʻana o ka mea kuleana (inā kūʻai ka mea kūʻai i nā'āpana o ka waihona kālā), ināʻoi aku kaʻoihanaʻoi aku o kaʻoihana kūʻai ma mua o ka manawa i kūʻaiʻia ai ka pūnaeʻa i kūʻai muaʻia. ʻo ia, pono e hoʻolaha ka waihona i 95% o nā loaʻa i nā mea kuleana.
ʻO ka uku nui o ke kumukūʻai e ukuʻia i ka poʻeʻae kālā ma lalo o ka loaʻaʻana o ka waihona kālā i loko o kahi pūʻulu iʻauhauʻia (IRA, 401k, a me nā mea'ē aʻe).
Eia kekahi lā, e'ōlelo kākou i ka XYZ Mutual Fund i kūʻaiʻia i 100,000 mau'āpana o kahi waiwai 20 makahiki i hala aku no $ 1.
Ke kūʻai aku nei kēia kālā i ka 100,000 mau lā i kēia lā no $ 50, e hopena i kahi waiwai waiwai lōʻihi o $ 49 no kēlā me kēia. Pono e hoʻolako ka waihona i nā mea i loaʻa i nā mea kuleana ma kēia manawa a pono i nā mea kuleana e hōʻike i ka uku ma kā lākou hoʻihoʻiʻana i kaʻauhauʻauhau .
He aha ka waiwai waiwai o ka hoʻopuka waiwai nui?
ʻOiai he mea maikaʻi paha ka loaʻaʻana o ka loaʻa kālā ma ka hoʻopiliʻana, akā,ʻaʻohe waiwai waiwai kūpono i ka mahele.
Eia kekahi lā, e nānā hou aku i ka mahele XYZ Mutual Fund:
- Loaʻa iāʻoe nā'āpana 1000 o ka XYZ Mutual Fund. Aia ka waihona kālā waiwai waiwai (NAV) o $ 10 ma ka pāʻani. ʻO kāu kālā i loko o ka waihona kālā e like me $ 10,000.
- ʻO ka nui o ka waiwai o kāu mālamaʻana i loko o ka waihona kālā he $ 10,000 (1,000 mau mahele i $ 10 no kaʻeke) a ke hoʻohou neiʻoe i nā loaʻa kālā a me nā māhele kālā.
- Hāʻawi ka waihona i nā kālā kālā wā lōʻihi e like me ia i ho'ākākaʻia ma ka hōʻike ma mua. ʻO ka waiwai waiwai lōʻihi i ka kūʻaiʻana i nā waiwai i loko o ka hōʻike ma mua, he 10% o ka waiwai waiwai a pau a $ 1 paha ma ka pāʻani.
- E hōʻemiʻia ka $ 1 no nā mea kuleana ma ka lā moʻomanaʻo no kēlā me kēia mahele o lākou aʻo ka NAV o ka waihona kālā e hoʻemiʻia e $ 1 ma ka lā i hala .
- A laila, loaʻa iāʻoe he $ 1,000, i hōʻano houʻia i loko o ka waihona kālā.
- No ka hoʻololiʻoleʻana i ke kumukūʻai kūʻai, loaʻaʻoe i $ 10,000 o ka waihona.
Pehea? Ua hoʻemiʻia ka NAV o kaʻili kālā i $ 9 ma o ka loaʻa kālā kālā e hoʻokaʻawale ana i $ 1 a ua hōʻokiʻoe i ka waiwai e hāʻawi iāʻoe he 1,111.11 mau puʻu ($ 1,000 hou i loko o ka NAV hou o $ 9. Ināʻaʻoleʻoe i hoʻokūpaʻa i ka waiwai, loaʻa iāʻoe he 1,000 mau kālā i $ 9 a $ 1,000. Ma kēlā me kēiaʻaoʻao, loaʻa iāʻoe he $ 10,000.
E like me ka mea i haʻi muaʻia,ʻo kēia mau makana ma ka uku kālā, loaʻa i kahi kālā kāki kālā inā loaʻa iāʻoe nā kālā kālā i loko o ka waihona kālā.
ʻAʻole pili nā hoʻolālā kūʻai (IRA, 401ks, a me nā mea'ē aʻe) i nā mahele waiwai kālā. E hoʻomanaʻo, no ka hoʻohui houʻana i ka loaʻa o ka waiwai i hoʻohuiʻia i kāu kumu kumu kūʻai - e hoʻoemi i kāu waiwai waiwai kālepa i ka manawa i kūʻaiʻia ai ka puʻu kālā.
Inā loaʻa iāʻoe nā kālā likeʻole i loko o kahi waihona kālā e hiki paha iāʻoe ke nānā aku i nā kālā liʻiliʻi liʻiliʻi, e komo pū ana me nā kālā hōkū a me nā puʻu kālā likeʻole . Ināʻole, ponoʻoe e noʻonoʻo e kipa i ka pūnaewele pūnaewele o kāu pūnaewele i hoʻomaka iʻOkakopa o kēlā me kēia makahiki e hoʻoholo ai i ka wā a me ka wā e loaʻa ai nā hāʻawi kālā kālā.
Inā nui ka hoʻolahaʻana, ponoʻoe e kūpono i nā pōmaikaʻi a me nā pōʻino o ka loaʻaʻana o ka waihona kālā . ʻOiaʻiʻo, hiki paha iāʻoe ke kūʻai i ke kālā no kaʻaeʻana i ka hāʻawi. Inā kūʻai akuʻoe i ka waihona no kaʻaeʻana i ka hāʻawiʻana, e hoʻomaopopoʻoe ināʻoe e kūʻai i ke kālā i loko o 30 mau lā (a ma kāu pūʻuluʻauhau a iʻoleʻoe i ka IRA), e holo anaʻoe i nā kānāwai kūʻai kūʻai IRS .