Mai'AkeʻAi i nā Auhau Ui-ʻAlua ma kāu Mānai kālā
Pēlā i ukuʻia ai nā kālā o ka Mutual Mutual
ʻAʻole like nā kālā o ka Mutual me nā waiwai pale kālā'ē aʻe, e like me nā ukana, no ka mea, he mau papa helu likeʻole lākou, i kapaʻia he mau puʻuwai kālā i hoʻopaʻaʻia he mau haneli a he mau haneli'ē aʻe.
No laila,ʻo ka hanaʻauhau e mālamaʻia ana ma keʻano he mahele o ka hoʻoponopono kālā kāleka e hele ana ma luna o ka ukuʻauhau iāʻoe,ʻo ka waihona kālā kālā. Eia kekahi laʻana, inā loaʻa nā'āpana waiwai ma kahi'āpana kālā, a laila, kūʻai ka luna o ke kālā i ka waiwai iʻoi aku ka nui ma mua o kona ukuʻana, e ukuʻoe i ke kālā ma nā'āpanaʻelua: 1) ke auhau nuiʻia e like me ke kālā loaʻa, a 2) Ke kālā uku kālā, e auhauʻia i nā uku uku uku.
A inā pahaʻoe wale nō i mālama i ka waihona kālā no kekahi mau mahina aʻaʻoleʻoe i kūʻai aku i kekahi'āpana, hiki iāʻoe ke loaʻa i kahi'āpana waiwai waiwai wā lōʻihi (ʻoiai e mālamaʻia ka waihona kālā no nā makahiki iʻoi aku i hoʻokahi makahiki) . No laila,ʻo nā auhau i hāʻawiʻia iāʻoe no nā hana i loko o ka pūʻulu kālā,ʻaʻole no kāu mau hana hoʻolālā pono'ī
E nānā pū nō hoʻi: E auhauʻia nā Dividends Mutual Fund
ʻO ke Kuhi Kūʻokoʻa Kūʻokoʻa o nā'Ai'ē Uku Mutualua Uku
I kēia manawa, ua hala aku i 5 mau makahiki a ua kūʻai akuʻoe i kāu kālā.
A e noʻonoʻo mākou he $ 10,000 kumu kūʻai o nā'eleʻa ma ka waihona kālā aʻo ia i uku i $ 400 ma nā pāʻani ma kēlā me kēia makahiki no 5 mau makahiki. I liloʻoe i mea mālama kālā hoʻolālā kūpono, ua kohoʻiaʻoe e loaʻa i nā'āpana kālā a pau i hapa hou o kāu kālā. Ua hana maikaʻiʻoe i ka kohoʻana i kāu kāleka kālā a me kona mahalo i ka uku o ka uku, me ka puʻuwai waiwai nui, hāʻawi iāʻoe i ka waiwai hope loa o $ 15,000 ke heleʻoe e kūʻai i kāu kālā.
Mai kou kūʻaiʻana i ke kālā i $ 10,000 a ke kūʻai aku neiʻoe i kahi $ 15,000, e ukuʻoe i kaʻauhau ma $ 5,000 ma nā kālā nui,ʻoiai? Inā likeʻoe i miliona o nā mea kālā'ē aʻe e hana like i ka hewa hoʻokahi,ʻae, e ukuʻoe i kaʻauhau ma ka $ 5,000 ma ke "loaʻa." Akā, e hewaʻoe a pēlā e uku nui ai i nāʻauhau!
No ke ahaʻo kēia, ke noi neiʻoe? E hoʻomanaʻo,ʻo kāu kumu kūʻai mua he $ 10,000 akā ua hoʻoili pūʻoe (a iʻole ua kūkulu houʻia) $ 2,000 ma ka uku. No laila ke kālā he $ 12,000 aʻo kāu waiwai waiwai kālā he $ 3,000 (ʻaʻole $ 5,000)!
Hiki iāʻoe keʻike pehea e hiki ai ke loli i ka hana kuhi hewa maʻamau? ʻO kāu hana i kēia manawa ua hoʻohālikelikeʻia aʻaʻole no ka waihona waiwai no ka waihona waiwai nui akā ua like nō ka haʻawina.ʻO ka hapa nui o nā kānaka kūʻai kālā e noʻonoʻo i ka nui o nā kālā i hoʻokomoʻia i loko o ka waihona kālā ma waho o kā lākou waihona iho,ʻo ko lākou kumu waiwai nui a "kumu" no kaʻauhauʻauhau. e'ōlelo ana nā dividend pūʻamau a me nā'āpana waiwai waiwai e heluʻia he "hoʻokele waiwai," pēlā.
Hiki iāʻoe ke hōʻole i ka hana likeʻole ma o ka mālamaʻana i kāu mau'ōlelo pili like a me ka hoʻoloheʻana i nā kālā a pau i hoʻohuiʻia a,ʻo ka mea nui aku,ʻo ke kumukūʻai "reinvested." Hiki paha iāʻoe ke kuhikuhi i ka Publication 550 o ka IRS.
ʻOi aku ka maikaʻi, mālamaʻoe i kāu mau'ōlelo a hāʻawi iā lākou i mua o kāu mau mea kālepaʻauhau ke heleʻoe i kou ola.
Ka Hoʻohaha: ʻO kaʻike ma kēia pūnaewele ua hāʻawiʻia no nā papa kūkā wale nō, aʻaʻole pono e kuhihewaʻia e like me ka'ōleloʻauhau a me nā'ōlelo hoʻokele . ʻAʻohe kumu e hōʻikeʻia kēiaʻikepili i manaʻo e kūʻai a kūʻai aku i nā palekana.