Разбиране на пасивния доход: Видове, Данъци и примери

Posted 2 години ago от Max Komonov

Passive income may sound like a dream come true. Can you really make money without any effort or physical investment? Отговорът, в някои случаи, е да.

It is possible to bring in passive income without actively working for it. въпреки това, this does not mean there is no effort or investment involved in generating passive income.

There is usually an initial investment required, either a financial investment or work to create a product or service. But once that initial work is out of the way, пасивните потоци от приходи генерират пари без вашето пряко участие.

Звучи страхотно, точно? Не може да бъде. Но трябва да знаете тънкостите на пасивния доход, и как се облага, преди да се потопите. И така, какво точно е пасивен доход? Как се определя и облага, и как можете да започнете бизнес с пасивен доход?

Какво е пасивен доход?

Пасивен приход, както подсказва името, е доход, който може да бъде събран с малко или никакво лично участие. The IRS дава следното определение за пасивни дейности:

Passive activities include trade or business activities in which you don’t materially participate. You materially participate in an activity if you’re involved in the operation of the activity on a regular, continuous, and substantial basis.

There are a few different ways to collect passive income. Rental activities, selling certain products online, and business investments are among the most common examples of passive income sources.

The advantages of being able to generate passive income are obvious. Normally, you would be limited by time, ресурси, and energy in terms of how much money you can make. But passive income opens up new opportunities to make money without any of those personal restrictions.

С това казано, passive income is still taxed. Също, most people do need to put in some initial work to get the ball rolling on passive income.

What is Passive Income Tax?

Some people might wonder if passive income is taxed or not. And the answer to that question is yes. Passive income may be taxed differently than other income sources in some cases. Но, in most cases, passive income is taxed. What is the passive income tax, точно?

A lot of passive income, but not all of it, is taxed similarly to active income, or your personal salary. Ти трябва make sure all passive income is documented on your tax returns, just as you would your work earnings.

С това казано, there are several exceptions and unique rules when it comes to passive income taxation. Например, not all rental activities are counted as passive income by the IRS:

…rental real estate activities in which you materially participate aren’t passive activities if you qualify as a real estate professional. Допълнително, there’s a limited exception for rental real estate activities in which you actively participate.

По същество, what this means is that real estate professionals who invest in numerous properties do not qualify for passive income from rental properties. въпреки това, most other rental activities, such as renting out a garage or in-home apartment, are considered passive income.

Допълнително, taxpayers are allowed to group certain sources of passive income together in their tax filings in some cases. Passive income businesses that are geographically linked, or share a common customer base, may be counted as one passive income stream for tax purposes.

What Passive Income Is Not Taxed?

Certain types of passive income are not taxed at all. There are only a few examples of this, въпреки това, so most passive income earners should be prepared to pay taxes.

Например, some investment accounts, such as a 401(к) or IRA are not taxed. High-yield savings accounts or other investment types are taxed, въпреки това.

There are also some exceptions when it comes to rental properties. Properties or rooms that are rented out for fewer than 14 days in a year do not need to be reported as passive income. Допълнително, you may claim certain expenses if you are involved in the management or upkeep of the properties you rent.

Допълнително, taxpayers can write off losses from passive activities on their taxes in most cases. въпреки това, in most cases, you cannot claim a tax deduction for passive losses which exceed passive gains.

What is a Passive Income Stream Example?

Now that you know all that, you’re probably wondering about some passive income examples. You know about a few different wants to earn passive income already.

But what is the most profitable passive income type? And how can you get started with earning passive income? Here are some of the most common ways to earn passive income.

Passive Income Examples

Rental activities

Както е споменато, rental activities are one of the most common ways to gain passive income. There are certain exceptions to rental income being classified as passive. Но, in most cases, the owner of a rental property does not actively or materially participate in accruing income. Rental property owners or Airbnb hosts, например, almost always file their earnings as passive income.

Investments

Another way to make passive income is through investments or stocks. Отново, there are some exceptions to this. When you invest a sum of money into a business for a percentage of the earnings without participating in its operations, that is passive income.

Но, if you invest in a business and participate in operations in a substantial capacity, the income is not passive. The distinction made by the IRS to determine passive versus active income in these cases is known as material participation. If you perform any regular or consistent activity associated with a business or organization, you are materially participating in it.

въпреки това, silent investments, in which an investor provides money but is not otherwise involved, are a classic example of passive income. Както виждаш, this passive income is not earned or acquired by doing nothing. The investor is still required to make the initial investment, which would likely be backed by extensive research beforehand. But the income is “passive” because they are not required to do any work to continue earning from the investment.

Online businesses

There are several potentially lucrative options for earning passive income online. Например, if you are an expert on a topic or skill, you could write an e-book или produce a webinar on that subject. You can then sell that product online for a fee without needing to do any additional work after the fact. This subsequent income would be considered passive, even though there was initial work done in creating the service.

A more common type of online passive income business would involve selling products online. Selling products online that you (or your company) did not produce, магазин, or ship is a form of passive income. This type of passive income business model has become more prevalent with the rise in popularity of дропшипинг in recent years.

Dropshipping allows businesses to sell products at a markup after purchasing them wholesale from a supplier. В тази подредба, the supplier is responsible for both storage and shipping of the products. The seller’s primary responsibility is to facilitate product sales and provide обслужване на клиенти.

Отново, there may be some exceptions where selling products online is not passive income. очевидно, if your business is selling your own manufactured products online, there is material participation. But online stores selling products that are made and shipped by a third party is a common passive income example.

Setting Up a Passive Income Business

You may have realized this already, but it should be stressed that “passive income” does not mean “free money”.

If you want to run a truly successful passive income business, you need to make sound financial decisions. Investments and rental properties need to be carefully researched before committing time and resources to them. По същия начин, setting up an online store requires a bit of legwork if you want to make money.

There are a lot of factors that go into setting up and running an online store. Проучване what products to sell и where to sell them should be the first step. След това, figuring out your product pricing is the next crucial step, along with making product listings.

If you follow all of these steps well, and don’t actively participate in the business afterward, you can have a very profitable passive income stream. You might also perform other tasks like marketing or scaling your business later on. But these can be considered material participation. This is not a bad thing, especially if your goal is to grow your business. въпреки това, it’s important to be mindful (for tax purposes) of when your income is active, rather than passive.

If you are looking to create your own online store, Екуид can help you. Ecwid’s easy-to-use platform makes it more convenient to ever to design, управлявам, and grow your own online store from anywhere.

About The Author

Max has been working in the ecommerce industry for the last six years helping brands to establish and level-up content marketing and SEO. Despite that, he has experience with entrepreneurship. He is a fiction writer in his free time.