Passives Einkommen verstehen: Typen, Steuern und Beispiele

12 min read

Passives Einkommen mag wie ein wahr gewordener Traum klingen. Können Sie wirklich Geld verdienen, ohne Anstrengung oder physische Investition?? Die Antwort, in manchen Fällen, ist ja.

Es ist möglich, passives Einkommen zu erwirtschaften, ohne aktiv dafür zu arbeiten. Allerdings, dies bedeutet nicht, dass keine Anstrengungen oder Investitionen erforderlich sind, um passives Einkommen zu generieren.

In der Regel ist eine Anfangsinvestition erforderlich, entweder eine finanzielle Investition oder die Arbeit zur Schaffung eines Produkts oder einer Dienstleistung. Aber sobald diese anfängliche Arbeit aus dem Weg ist, passive Einkommensströme generieren Geld ohne Ihre direkte Beteiligung.

Hört sich toll an, rechts? Es kann sein. Aber Sie sollten die Besonderheiten des passiven Einkommens kennen, und wie es besteuert wird, bevor du eintauchst. Was genau ist passives Einkommen?? Wie wird sie definiert und besteuert?, and how can you start a passive income business?

What is Passive Income?

Passive income, as the name suggests, is income that can be collected with little to no personal involvement. Die IRS provides the following definition for passive activities:

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.

Es gibt verschiedene Möglichkeiten, passives Einkommen zu erzielen. Vermietungsaktivitäten, bestimmte Produkte online verkaufen, und Unternehmensinvestitionen gehören zu den häufigsten Beispielen für passive Einkommensquellen.

Die Vorteile, passives Einkommen generieren zu können, liegen auf der Hand. Normalerweise, Sie wären zeitlich begrenzt, Ressourcen, und Energie in Bezug darauf, wie viel Geld Sie verdienen können. Aber passives Einkommen eröffnet neue Möglichkeiten, ohne diese persönlichen Einschränkungen Geld zu verdienen.

Mit, dass gesagt, Passives Einkommen wird weiterhin besteuert. Auch, Die meisten Menschen müssen etwas Anfangsarbeit leisten, um das passive Einkommen ins Rollen zu bringen.

Was ist passive Einkommensteuer?

Einige Leute fragen sich vielleicht, ob passives Einkommen besteuert wird oder nicht. Und die Antwort auf diese Frage ist ja. Passives Einkommen kann in einigen Fällen anders besteuert werden als andere Einkommensquellen. Aber, in den meisten Fällen, Passives Einkommen wird besteuert. Was ist die passive Einkommensteuer?, genau?

Viel passives Einkommen, aber nicht alles, wird ähnlich wie aktives Einkommen besteuert, oder Ihr persönliches Gehalt. Du solltest Stellen Sie sicher, dass alle passiven Einkünfte dokumentiert sind auf Ihre Steuererklärung, genauso wie Ihr Arbeitseinkommen.

Mit, dass gesagt, Bei der Besteuerung des passiven Einkommens gibt es mehrere Ausnahmen und Sonderregelungen. Zum Beispiel, Nicht alle Vermietungsaktivitäten werden vom IRS als passives Einkommen gezählt:

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

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

Zusätzlich, 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, allerdings, so most passive income earners should be prepared to pay taxes.

Zum Beispiel, some investment accounts, so wie ein 401(k) or IRA are not taxed. High-yield savings accounts or other investment types are taxed, allerdings.

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. Zusätzlich, you may claim certain expenses if you are involved in the management or upkeep of the properties you rent.

Zusätzlich, taxpayers can write off losses from passive activities on their taxes in most cases. Allerdings, in den meisten Fällen, 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

Vermietungsaktivitäten

Wie bereits erwähnt, rental activities are one of the most common ways to gain passive income. There are certain exceptions to rental income being classified as passive. Aber, in den meisten Fällen, the owner of a rental property does not actively or materially participate in accruing income. Rental property owners or Airbnb hosts, zum Beispiel, almost always file their earnings as passive income.

Investments

Another way to make passive income is through investments or stocks. Wieder, 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.

Aber, 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.

Allerdings, silent investments, in which an investor provides money but is not otherwise involved, are a classic example of passive income. Wie Sie sehen können, 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-Unternehmen

There are several potentially lucrative options for earning passive income online. Zum Beispiel, if you are an expert on a topic or skill, Sie konnte write an e-book oder 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 Verkauf von Online-Produkten. Selling products online that you (or your company) did not produce, speichern, 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 dropshipping in recent years.

Dropshipping allows businesses to sell products at a markup after purchasing them wholesale from a supplier. In dieser Anordnung, the supplier is responsible for both storage and shipping of the products. The seller’s primary responsibility is to facilitate product sales and provide Kundenservice.

Wieder, there may be some exceptions where selling products online is not passive income. Offensichtlich, 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. Ebenfalls, 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. Forschen welche Produkte zu verkaufen und where to sell them should be the first step. Danach, figuring out your Produktpreis 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. Allerdings, 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, Ecwid can help you. Ecwid’s easy-to-use platform makes it more convenient to ever to design, verwalten, and grow your own online store from anywhere.

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Jan 1, 2023

Über den Autor

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