Cov Lus Qhia Los Ntawm Tus Thawj Saib Xyuas Nyiaj Txiag Amid Down Thiab Volatile Markets

Xyoo xaus thiab lub xyoo pib yog lub sijhawm tseem ceeb rau kev npaj nyiaj txiag thiab se yog tias koj muaj kev xaiv cov khoom lag luam thiab txwv cov khoom lag luam (RSUs), koom nrog cov neeg ua haujlwm npaj yuav khoom (ESPP), thiab / lossis tuav cov tuam txhab koom nrog. Hauv xyoo 2022, kev npaj rau xyoo xaus tuaj yeem ua kom yuam kev vim kev lag luam poob qis, cov nqi lag luam tsis hloov pauv, thiab kev ua haujlwm tsis paub tseeb.

Lub Kaum Ob Hlis webinar tuav los ntawm myStockOptions.com, ib qho kev pab cuam ntawm txhua yam ntawm cov nyiaj them poob haujlwm, tau nthuav tawm cov tswv yim thiab cov lus qhia rau lub xyoo kawg thiab xyoo pib npaj los ntawm pawg thawj coj ntawm peb tus kws tshaj lij nyiaj txiag thiab se nrog cov kws tshaj lij hauv cheeb tsam no. Kab lus no qhia txog qee cov ntsiab lus tseem ceeb uas lawv tau ua.

Qhov tseem ceeb ntawm Kev Npaj Ntau Xyoo

"Thaum peb pib nrog tus neeg siv khoom, peb pib tam sim ntawd nrog lub tswv yim ntawm kev npaj ntau xyoo," sau tseg hauv webinar panelist John Barringer ntawm Kev Npaj Nyiaj Txiag Ua Haujlwm hauv Denver, Colorado. "Peb kho txhua lub rooj sib tham nrog cov neeg siv khoom zoo li nws yog xyoo kawg. Muaj ntau yam teeb meem sib tshooj: kev lag luam qhov rais, nyiaj pab tshiab, vesting. "

Kev npaj ntau xyoo yog qhov tshwj xeeb tshaj yog muaj txiaj ntsig nrog cov khoom lag luam, raws li koj tuaj yeem tswj lub sijhawm ntawm kev muag khoom thiab kev xaiv ua haujlwm, thiab koj paub tias thaum twg RSUs yuav vest. Tau txais txoj cai npaj no yog qhov tseem ceeb, piv txwv li, yog tias koj tab tom txiav txim siab xaiv cov kev tawm dag zog lossis kev muag khoom muag thaum kawg ntawm 2022.

Txhawm rau pib, koj yuav tsum paub txog 2022 thiab 2023 qhov pib rau cov nqi se ntau dua ntawm cov nyiaj tau los thiab cov peev nyiaj tau los, cov theem rau ntau cov qhab nia se, thiab Medicare surtax ntawm cov nyiaj tau los. Yog tias koj ntseeg tias koj cov nqi se yuav siab dua hauv 2023 thiab dhau mus, koj xav xav seb puas yuav ua kom cov nyiaj tau los rau xyoo 2022.

Webinar panelist Rebecca Conner, tus tsim ntawm SeedSafe Nyiaj Txiag hauv Austin, Texas, qhia txog nws txoj hauv kev rau kev npaj ntau xyoo. "Qhov peb ua rau txhua tus ntawm peb cov neeg siv khoom tsuas yog tso tawm qhov peb xav tau txhua xyoo thiab saib seb peb tuaj yeem ua si nrog dab tsi," nws piav qhia. "Yog tias lawv tau txais RSUs nrog rau cov kev xaiv tsis tsim nyog lossis kev txhawb nqa, peb yuav qhia txog RSUs nyob rau xyoo thiab qhov twg peb xav tias cov nyiaj tau los se yuav yog. Tom qab ntawd peb yuav pom tias peb tuaj yeem pop lwm yam nyob ib puag ncig thiab haum rau lawv nyob rau ob peb xyoos tom ntej no. "

Daim Ntawv Qhia Kev Xaiv Cov Kev Ua Si: Kev hloov pauv los xav txog

Raws li Rebecca tau lees paub, cov hnub vesting ntawm RSUs raug kho, yog li koj tswj tsis tau thaum koj tau txais RSU cov nyiaj tau los ntawm vesting. Los ntawm qhov sib txawv, koj xaiv thaum twg los siv cov kev xaiv Tshuag, ua rau lawv muaj qhov sib txawv los ua si nrog hauv kev npaj ntau xyoo.

Piv txwv li: Koj yog ib tus neeg sau ntawv sib koom nrog $ 290,000 ntawm cov nyiaj tau los them se hauv xyoo 2022 thiab kwv yees cov nyiaj tau los se ntawm kwv yees li qub hauv 2023, muab koj tso rau hauv 24% se bracket. Koj tseem muaj $ 100,000 kis ntawm koj cov kev xaiv tsis tsim nyog (cov nyiaj pab yuav tas rau lub Peb Hlis 2023). Los ntawm kev siv cov kev xaiv txaus hauv 2022 kom tsim tau $ 50,000 ntawm cov nyiaj tau los ntxiv (muab rau koj $ 340,000 rau lub xyoo), koj tuaj yeem siv cov kev xaiv ntxiv nyob rau thaum ntxov 2023 thiab zam qhov siab dua 32% cov nyiaj se hauv ob xyoos.

Txawm li cas los xij, ntau tus kws pab tswv yim hais tias cov se yuav tsum tsis yog koj qhov kev txiav txim siab nkaus xwb hauv kev npaj rau xyoo xaus. Rebecca tau ceeb toom tias "Thaum lub xyoo kawg, peb tsis txhob cia cov se tail wag tus dev," ceeb toom Rebecca. “Cov lus nug tseem ceeb yog nyiaj ntsuab npaum li cas koj puas kam poob rau cov kev xaiv? Lawv yeej tsis muaj qhov lav. Nws yog ib qho tseem ceeb kom paub tias qhov no yuav yog lub hli. Yog tias peb tuaj yeem kho nws zoo li lub tuam txhab lag luam me me nrog kev hloov pauv siab, koj xav ua dab tsi rau qhov ntawd? Peb yuav lees paub qhov peb cov neeg siv khoom xav tau los ntawm qhov kev xav ntawd. "

Lwm yam hauv kev npaj rau kev xaiv cov khoom lag luam ntawm lub xyoo kawg yog tuav lub sijhawm rau kev nce peev thiab koj lub tuam txhab stock-trading windows, raws li tau tham los ntawm webinar panelist John Owens, Tus Thawj Coj ntawm Kev Npaj Nyiaj Txiag ntawm Brooklyn FI hauv New York. Nws tau hais tias "Ib qho ntawm qhov tseem ceeb ntawm lub siab yog mus txog qhov ncua sij hawm zoo li," nws hais. "Yog tias koj tab tom ua ib qho kev tawm dag zog, hais tias, Lub Kaum Ob Hlis 8, tej zaum koj yuav tsis tuaj yeem muag cov shares tau txais txiaj ntsig mus ntev rau xyoo tom ntej vim tias koj lub tuam txhab kev lag luam qhov rai raug kaw thaum lub sijhawm ntawd. Peb yuav tsum nkag siab txog kev xav tau nyiaj ntsuab rau cov neeg siv khoom thiab ntev npaum li cas lawv xav tuav cov khoom lag luam. "

Incentive Stock Options: Year-End Dilemma

Cov kws tshaj lij tau hais tias nyob rau hauv kev lag luam qis nws yog ib qho tseem ceeb rau kev tshuaj xyuas cov kev xaiv muaj txiaj ntsig (ISO) kev tawm dag zog uas koj tau ua ua ntej xyoo yog tias koj tseem tuav cov khoom lag luam. Muag cov khoom ISO ua ntej lub xyoo xaus tshem tawm kev sib kis ntawm kev tawm dag zog los ntawm AMT xam, yog li tshem tawm qhov xav tau them AMT ntawm nws. Txawm li cas los xij, kev txav mus los kuj txhais tau tias koj tsis ua raws li ISO tuav lub sijhawm rau kev kho mob ua se tau zoo.

Diversification hauv Down Thiab Volatile Markets

Qhov xav tau kom muaj ntau haiv neeg yog lub ntsiab lus tseem ceeb hauv txhua qhov kev npaj peev. Puas yog kev lag luam poob qis thiab tsis hloov pauv ntawm 2022 ua rau qhov xav tau ntau dua lossis tsawg dua thaum lub xyoo xaus?

John Owens tau hais tias "Kuv xav tias nws yog nyob ntawm tus neeg siv khoom xav tau dab tsi," said John Owens. "Yog tias lawv tab tom thauj mus rau tus nqi Tshuag uas yog 80% siab dua ib xyoos dhau los, nws yuav nyuaj rau lawv muag. Tab sis kuv sim tig nws los ntawm hais tias nyob zoo, koj lub tuam txhab cov khoom lag luam yuav poob qis tab sis kev lag luam dav dav kuj poob qis, yog li koj muag ib yam dab tsi ntawm luv nqi los yuav ib yam dab tsi ntawm luv nqi. Koj tseem tab tom nce siab, thiab nws yog qhov sib txawv dua. "

Cov neeg ua haujlwm hauv webinar txhua tus tau hais tias lawv feem ntau pom zoo kom cov neeg siv khoom muag RSU cov khoom ntawm vesting raws li ib txoj hauv kev los faib tawm ntawm cov tuam txhab Tshuag. "Nrog peb cov neeg siv khoom, peb piav qhia tias kev sib txawv yog ib yam uas peb yuav pom zoo hauv txhua qhov kev lag luam," hais Rebecca Conner. "Rau RSUs uas yog vesting thiab muaj muag tam sim ntawd, peb yuav ua li ntawd los ntawm kev mus. Thiab peb yuav muaj kev sib tham thaum lub xyoo zoo thiab xyoo phem. Nws yog ib feem ntawm cov txheej txheem. Cov neeg siv khoom nkag siab tias lawv tau nyiaj duas-nqi-qhov nruab nrab ntawm lub sijhawm. "

Rau cov neeg uas tsis ntseeg txog lub tswv yim no, nws taw qhia tias loyalties rau ib qho khoom lag luam tuaj yeem yog cov phooj ywg txaus ntshai. Piv txwv li, tom qab thawj zaug muab rau pej xeem (IPO), "tso tseg 70% ntawm cov tuam txhab IPO ua tsis rov qab mus rau lawv thawj tus nqi siab, "ib qho kev soj ntsuam uas yuav pab tau yooj yim rau cov neeg siv khoom kom tsis txhob cuam tshuam ntawm tus nqi ntawd.

Cov tuam txhab ntiag tug Hauv xyoo 2022: Ncua IPOs

John Owens tau sau tseg txog qhov tseem ceeb ntawm kev npaj ntau xyoo hauv 2022 rau cov neeg ua haujlwm ntawm cov tuam txhab ntiag tug uas xav tias yuav muaj IPO xyoo no uas tau ncua ib xyoos lossis ntau dua vim muaj kev lag luam tsis paub tseeb lossis lwm yam.

"Muaj ntau tus neeg tau txais kev pab cuam qeeb qeeb xyoo no vim tias kev lag luam IPO tau qhuav lawm," nws piav qhia. "Rau cov neeg siv khoom uas peb tam sim no paub tias yuav muaj cov xwm txheej muaj peev xwm loj hauv xyoo tom ntej, peb tau saib xyuas cov nyiaj tau los nrawm rau xyoo no vim tias lawv cov nyiaj tau los qis dua qhov peb xav tias yuav ua tau." Lub tswv yim no, nws tau soj ntsuam, siv qhov zoo ntawm tus neeg siv khoom tus nqi se qis rau xyoo no rau txhua qhov nyiaj tau los uas tuaj yeem lees paub tam sim no tsis yog tom qab, thaum tus nqi yuav siab dua thaum lub sij hawm ntawm lub tuam txhab IPO, kev yuav khoom, lossis lwm yam kev ua lag luam.

Txoj hauv kev los txo cov nyiaj tau los ntawm se thaum lub xyoo xaus

Yuav ua li cas yog tias koj tau txais cov nyiaj tau los loj los ntawm cov nyiaj them poob haujlwm xyoo no? Dab tsi yog qee txoj hauv kev uas koj tuaj yeem txo koj cov nyiaj tau los ntawm lwm qhov ua ntej kom koj cov nyiaj tau los xyoo 2022 hauv tus lej se qis?

John Barringer tau hais ua ntej qhov yuav tsum tau tshaj tawm 401 (k) cov phiaj xwm thiab, dhau li ntawd, tej zaum xav txog kev pab txhawb rau nonqualified ncua kev them nyiaj txoj kev npaj. Txawm li cas los xij, nws tau ceeb toom tias, hom phiaj xwm no yuav tsum yog yav tom ntej es tsis yog rov qab los. "Ua ntej qhov nyiaj tau los loj tshwm sim, peb yuav tsum paub tias peb yuav ua li cas," nws hais. "Thaum lub sijhawm qhov xwm txheej tshwm sim, yog tias tsis muaj qee qhov kev npaj ua ntej, nws tau los ze dhau lawm."

Rebecca Conner pom zoo. “Ib tug neeg yuav tuaj rau peb nrog ib tug ob-trigger RSU vesting thiab hais tias 'Kuv yuav txo cov se li cas?' Aw, man!” nws luag. “Tsis yooj yim heev. Txawm li cas los xij, peb tuaj yeem tham txog txoj hauv kev kom ncua cov se yav tom ntej. Tej zaum nws yog lub sijhawm zoo los ua ib qho kev koom tes mega rau 529 txoj kev npaj nyiaj hauv tsev kawm qib siab rau cov menyuam yaus. Tej zaum nws yog lub sijhawm los txiav txim siab nrog kev nqis peev tam sim no los teeb tsa koj los txiav txim siab cov se hauv daim duab loj dua ntau xyoo yav tom ntej. "

Ua Haujlwm Them Se-Poob

Ib lub tswv yim zoo rau lub xyoo kawg yog kev sau se-tsawg: koj muag cov khoom lag luam ntawm qhov poob peev uas tuaj yeem siv rau koj cov se rov qab rau thawj qhov nyiaj tau los ntawm cov nyiaj tau los thiab tom qab ntawd mus txog $ 3,000 ntawm cov nyiaj tau los ib txwm. John Owens tau hais tias "Peb tsom mus rau ntau qhov kev sau se-tsawg, feem ntau yog rau cov neeg uas tau txais txiaj ntsig thawj zaug loj, tej zaum $ 2-3 lab them nyiaj," said John Owens. Rebecca Conner ntxiv tias nws lub tuam txhab ua ib yam. "Peb saib ntau npaum li cas qhov poob se tuaj yeem pab cov neeg siv khoom tiag tiag thiab qhov peb xav tias tsim nyog," nws piav qhia. "Nws tuaj yeem pab lawv rau ntau yam khoom muag ntxiv."

Tab sis tsis yog txhua tus kws pab tswv yim yog cov kiv cua loj ntawm cov txheej txheem no. John Barringer tau hais tias "Kuv tsis saib xyuas lub tswv yim ntawm kev sau se-poob," said John Barringer. "Nws tsis yuav ua rau muaj qhov sib txawv loj ntawm koj cov se rov qab. Nws yuav raug kaw hauv kev poob uas koj yuav lossis tsis khuv xim tom qab. Thiab tsis muaj ntau qhov bang rau koj cov nyiaj hauv kev tsom mus rau qhov no thaum muaj ntau lwm yam teeb meem los tsom rau nrog kev ncaj ncees comp. "

Yog tias koj tab tom nrhiav kev sau se-tsawg thiab npaj rov yuav cov khoom qub tom qab muag ntawm qhov poob, ceev faj txog cov cai ntawm kev muag khoom, raws li kuv tau tham hauv tsab xov xwm Forbes.com tsis ntev los no: 7 Ntxuav Muag Cov Lus Qhia Kom Paub Ua Ntej Muag Khoom Rau Kev Sau se poob.

Xyoo Pib Npaj Hauv 2023

Ib feem ntawm kev npaj rau xyoo xaus kuj xav txog lub xyoo tom ntej. "Cov nyiaj pab tshiab dab tsi koj xav tau hauv 2023?" nug John Barringer ntawm nws cov neeg siv khoom. "Kev ua lag luam tsis tu ncua tuaj yeem txhais tau tias qhov nyiaj pub dawb loj dua lossis tsawg kawg yog tus nqi qis dua rau cov kev xaiv hauv Tshuag." Koj tseem yuav tsum paub txog cov nyiaj pab kev xaiv khoom lag luam uas tau teem sijhawm yuav tas rau xyoo 2023, nws hais ntxiv, nrog rau dab tsi yuav tshwm sim rau cov kev xaiv Tshuag thiab RSUs yog tias koj raug tso tawm.

John Owens tau taw qhia tias tam sim no yog lub sijhawm zoo rau kev tso npe rau hauv cov neeg ua haujlwm npaj yuav khoom (ESPP), tshwj xeeb tshaj yog tias nws muaj "kev saib xyuas zoo rau kev suav tus nqi yuav khoom." ESPPs nrog cov yam ntxwv ntawd tuaj yeem yog kuj ceeb tias profitable deal nyob rau hauv lub lag luam down.

Rebecca Conner yaum kom cov neeg siv khoom xav txog kev cia siab rau kev ua haujlwm. "Saib xyuas cov kev cia siab ntawm txoj haujlwm thiab cov hom phiaj ua haujlwm. Yog tias koj tab tom txav mus rau xyoo 2023, xav txog koj cov nyiaj tau los tag nrho thiab qhov cuam tshuam ntawm cov kev xaiv hauv Tshuag uas koj yuav xav tau kev tawm dag zog thaum koj tawm koj txoj haujlwm tam sim no rau qhov tshiab."

Nws thiab lwm tus kws tshaj lij kuj pom zoo kom ntsuas seb puas yuav siv ISOs thaum ntxov xyoo tshiab thiab tuav cov khoom lag luam yog tias lub tuam txhab cov nqi lag luam tseem muaj kev ntxhov siab tab sis qhov kev pom zoo rau lub tuam txhab yog qhov zoo. Qhov no ua tau txo koj txoj kev pheej hmoo AMT thaum pib lub sijhawm tuav lub sijhawm rau kev kho mob se ISO tau txais txiaj ntsig.

Cov Kev Pab Ntxiv

Lub webinar uas cov kws tshaj lij tau hais, uas suav nrog lawv cov ntaub ntawv tshawb fawb, yog muaj nyob ntawm kev thov ntawm myStockOptions Webinar Channel. Lub vev xaib myStockOptions.com muaj kev qhia dav ntu ntawm kev npaj rau xyoo xaus, suav nrog cov ntawv dav dav thiab FAQs. Nrhiav kev taw qhia txog koj qhov xwm txheej tshwj xeeb los ntawm cov kws pab tswv yim them se thiab nyiaj txiag tsim nyog.