被动收入听起来像是梦想成真. 不付出任何努力和体力投入，真的能赚钱吗？? 答案, 在某些情况下, 是是的.
有可能在不积极工作的情况下带来被动收入. 然而, 这并不意味着没有努力或投资来产生被动收入.
通常需要初始投资, 金融投资或创造产品或服务的工作. 但是一旦最初的工作被排除在外, 被动收入流无需您直接参与即可产生资金.
听起来不错, 正确的? 有可能. But you should know the ins and outs of passive income, and how it’s taxed, before you dive in. So what is passive income exactly? How is it defined and taxed, 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. 这 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.
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, 资源, and energy in terms of how much money you can make. 但被动收入开辟了新的赚钱机会，不受任何个人限制.
照这样说, 被动收入仍需征税. 还, 大多数人确实需要做一些初步的工作才能获得被动收入.
什么是被动所得税?
有些人可能想知道被动收入是否征税. 这个问题的答案是肯定的. 在某些情况下，被动收入的征税方式可能与其他收入来源不同. 但, 在多数情况下, 被动收入征税. 什么是被动收入税, 确切地?
很多被动收入, 但不是全部, 与主动收入一样征税, 或者你的个人工资. 你应该 确保记录所有被动收入 在你的纳税申报单上, 就像你的工作收入一样.
照这样说, 在被动所得税方面有一些例外和独特的规则. 例如, 并非所有租赁活动都被美国国税局视为被动收入:
…rental real estate activities in which you materially participate aren’t passive activities if you qualify as a real estate professional. 此外, there’s a limited exception for rental real estate activities in which you actively participate.
本质上, what this means is that real estate professionals who invest in numerous properties do not qualify for passive income from rental properties. 然而, most other rental activities, such as renting out a garage or in-home apartment, are considered passive income.
此外, 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, 然而, so most passive income earners should be prepared to pay taxes.
例如, some investment accounts, such as a 401(k) or IRA are not taxed. High-yield savings accounts or other investment types are taxed, 然而.
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. 此外, you may claim certain expenses if you are involved in the management or upkeep of the properties you rent.
此外, taxpayers can write off losses from passive activities on their taxes in most cases. 然而, 在多数情况下, 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
如之前提到, rental activities are one of the most common ways to gain passive income. There are certain exceptions to rental income being classified as passive. 但, 在多数情况下, the owner of a rental property does not actively or materially participate in accruing income. Rental property owners or Airbnb hosts, 例如, almost always file their earnings as passive income.
Investments
Another way to make passive income is through investments or stocks. 再次, 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.
但, 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.
然而, silent investments, in which an investor provides money but is not otherwise involved, are a classic example of passive income. 如你看到的, 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. 例如, if you are an expert on a topic or skill, you could write an e-book 或者 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 在线销售产品. Selling products online that you (or your company) did not produce, 店铺, 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 代发货 in recent years.
Dropshipping allows businesses to sell products at a markup after purchasing them wholesale from a supplier. 在这样的安排中, the supplier is responsible for both storage and shipping of the products. The seller’s primary responsibility is to facilitate product sales and provide 客户服务.
再次, there may be some exceptions where selling products online is not passive income. 明显地, 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. 同样地, 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. 研究中 what products to sell 和 where to sell them should be the first step. 跟随那个, 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. 然而, 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, 管理, and grow your own online store from anywhere.
