Five Most Overlooked 税 Deductions

Who among us wants to pay the 国税局 more taxes than we have to?

虽然很少有人会举手, Americans regularly overpay because they fail to take tax deductions for which they are eligible. Let’s take a quick look at the five most overlooked opportunities to manage your tax bill.

1. 红利再投资收益: When your mutual fund pays you a dividend or capital gains distribution, that income is a taxable event (unless the fund is held in a tax-deferred account, 比如IRA). If you’re like most fund owners, you reinvest these payments in additional shares of the fund. The tax trap lurks when you sell your mutual fund. If you fail to add the reinvested amounts back into the investment’s cost basis, it can result in double taxation of those dividends.¹
   Mutual funds are sold only by prospectus. Please consider the charges, risks, expenses, and investment objectives carefully before investing. A prospectus containing this and other information about the investment company can be obtained from your financial professional. Read it carefully before you invest or send money.
2. 的慈善机构: It’s not just cash donations that are deductible. If you donate goods or use your personal car for charitable work, these are potential tax deductions. Just be sure to get a receipt for any amount over $250.²
3. 国家税收: Did you owe state taxes when you filed your previous year’s tax returns? 如果有的话, don’t forget to include this payment as a tax deduction on your current year’s tax return. There is currently a $10,000 cap on the state and local tax deduction.³
4. 医疗保险保险费: You may be able to deduct unreimbursed medical and dental premiums, 自付额, 免赔额, and other medical expenses to the extent that the costs exceed 7.调整后总收入的5%. This includes most Medicare premiums.⁴
5. Income in Respect of a Decedent: If you’ve inherited an IRA or pension, you may be able to deduct any estate tax paid by the IRA owner from the taxes due on the withdrawals you take from the inherited account.⁵

1. Investopedia.网站，2024年1月11日
2. 国税局.政府,2024
3. 国税局.政府,2024
4. 国税局.政府,2024
5. 国税局.政府,2024. 在大多数情况下, 一旦你到了73岁, you must begin taking required minimum distributions from a Traditional Individual 退休 Account (IRA). Withdrawals from Traditional IRAs are taxed as ordinary income and, 如果在59岁半之前服用, may be subject to a 10% federal income tax penalty. You may continue to contribute to a Traditional IRA past age 70½ as long as you meet the earned-income requirement.

The content is developed from sources believed to be providing accurate information. The information in this material is not intended as tax or legal advice. It may not be used for the purpose of avoiding any federal tax penalties. Please consult legal or tax professionals for specific information regarding your individual situation. This material was developed and produced by 手机赌博软件下载 to provide information on a topic that may be of interest. FMG Suite is not affiliated with the named broker-dealer, state- or SEC-registered investment advisory firm. 所表达的意见和 material provided are for general information, and should not be considered a solicitation for the purchase or 出售任何证券. 版权 手机赌博软件下载.