tax deferral

简明释义

延期缴税，延期纳税

英英释义

例句

1.Investing in a 401(k) plan provides employees with a tax deferral 税收递延 on their contributions until they withdraw the funds.

投资于401(k)计划使员工在提取资金之前享有对其贡献的<税收递延>。

2.Many retirement accounts offer a tax deferral 税收递延 benefit, allowing your investments to grow without immediate tax consequences.

许多退休账户提供了<税收递延>的好处，使您的投资在没有立即税务后果的情况下增长。

3.Real estate investors often benefit from tax deferral 税收递延 when they engage in a 1031 exchange.

房地产投资者在进行1031交换时，通常会受益于<税收递延>。

4.A tax deferral 税收递延 strategy can be beneficial for high-income earners looking to reduce their taxable income in the current year.

对于希望在当前年度减少应税收入的高收入者来说，<税收递延>策略可能是有利的。

5.The government encourages education savings through tax deferral 税收递延 accounts like 529 plans.

政府通过像529计划这样的<税收递延>账户来鼓励教育储蓄。

作文

Tax planning is an essential aspect of personal finance that helps individuals and businesses manage their financial resources effectively. One of the most important strategies in tax planning is tax deferral, which allows taxpayers to postpone paying taxes on certain income or gains until a later date. This strategy can be particularly beneficial for those looking to maximize their investments and savings over time.Understanding tax deferral involves recognizing how it works in various contexts. For instance, retirement accounts like 401(k)s and IRAs are designed to provide tax deferral. When individuals contribute to these accounts, they do not pay taxes on the money until they withdraw it during retirement. This postponement of taxes allows the invested money to grow without the immediate burden of taxation, ultimately leading to a larger nest egg when individuals retire.The benefits of tax deferral extend beyond retirement savings. Businesses can also utilize this strategy to manage their cash flow and reinvest profits. By deferring taxes on earnings, companies can allocate more funds towards growth opportunities, such as expanding operations, hiring new employees, or investing in research and development. This can lead to increased profitability and a competitive advantage in the marketplace.However, it is essential to understand that tax deferral does not mean tax elimination. Eventually, the deferred taxes will need to be paid, often at a future tax rate that could be higher or lower than the current rate. Therefore, individuals and businesses must carefully assess their financial situations and consider future tax implications when utilizing this strategy.Moreover, tax deferral can have significant implications for estate planning. Individuals who anticipate leaving an inheritance may benefit from deferring taxes on certain assets. By doing so, they can potentially increase the value of the estate and reduce the tax burden on heirs. However, it is crucial to consult with a tax professional to navigate the complexities of tax laws and ensure compliance.In conclusion, tax deferral is a powerful tool in financial planning that can help individuals and businesses optimize their financial strategies. By postponing tax payments, taxpayers can enhance their investment growth and manage their cash flow more effectively. Nevertheless, it is vital to approach tax deferral with caution and seek professional advice to fully understand its implications. With careful planning, tax deferral can contribute significantly to long-term financial success.

税务规划是个人理财的一个重要方面，帮助个人和企业有效管理其财务资源。在税务规划中，一个重要的策略是税收递延，它允许纳税人将某些收入或收益的纳税推迟到以后的日期。这一策略对于那些希望在时间上最大化其投资和储蓄的人来说尤其有利。理解税收递延需要认识到它在不同背景下的运作方式。例如，退休账户如401(k)和IRA被设计为提供税收递延。当个人向这些账户缴款时，他们不会对这笔钱缴税，直到他们在退休时提取。这种税收的推迟使得投资的资金能够在没有立即税负的情况下增长，最终在个人退休时形成更大的养老金。税收递延的好处不仅限于退休储蓄。企业也可以利用这一策略来管理现金流和再投资利润。通过递延盈利的税款，公司可以将更多资金分配用于增长机会，例如扩展业务、招聘新员工或投资研发。这可能导致盈利能力的提高，并在市场上获得竞争优势。然而，需要理解的是，税收递延并不意味着免税。最终，递延的税款需要支付，通常是在未来的税率可能高于或低于当前税率。因此，个人和企业在利用这一策略时，必须仔细评估他们的财务状况，并考虑未来的税务影响。此外，税收递延对遗产规划也可能产生重大影响。预计留下遗产的个人可能会从递延某些资产的税款中受益。通过这样做，他们可以潜在地增加遗产的价值，并减少继承人的税负。然而，咨询税务专业人士以应对税法的复杂性并确保合规至关重要。总之，税收递延是财务规划中的一个强大工具，可以帮助个人和企业优化其财务策略。通过推迟纳税，纳税人可以增强其投资增长，并更有效地管理现金流。然而，重要的是要谨慎对待税收递延并寻求专业建议，以充分了解其影响。通过仔细规划，税收递延可以显著促进长期财务成功。