Memahami Penghasilan Pasif: Jenis, Pajak dan Contohnya

11 min read

Penghasilan pasif mungkin terdengar seperti mimpi yang menjadi kenyataan. Bisakah Anda benar-benar menghasilkan uang tanpa usaha atau investasi fisik? Jawabannya, dalam beberapa kasus, adalah ya.

Dimungkinkan untuk menghasilkan pendapatan pasif tanpa bekerja secara aktif untuk itu. Namun, ini tidak berarti tidak ada usaha atau investasi yang terlibat dalam menghasilkan pendapatan pasif.

Biasanya ada investasi awal yang diperlukan, baik investasi keuangan atau pekerjaan untuk menciptakan produk atau layanan. Tapi begitu pekerjaan awal itu selesai, aliran pendapatan pasif menghasilkan uang tanpa keterlibatan langsung Anda.

Kedengarannya hebat, benar? Hal ini dapat. Namun Anda harus mengetahui seluk beluk passive income, dan bagaimana pajaknya, sebelum Anda menyelam. Jadi apa sebenarnya penghasilan pasif itu? Bagaimana itu didefinisikan dan dikenai pajak, 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. Yang 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.

Ada beberapa cara berbeda untuk mengumpulkan pendapatan pasif. Kegiatan persewaan, menjual produk tertentu secara online, dan investasi bisnis adalah salah satu contoh paling umum dari sumber pendapatan pasif.

Keuntungan bisa menghasilkan pendapatan pasif sudah jelas. Biasanya, Anda akan dibatasi oleh waktu, sumber daya, dan energi dalam hal berapa banyak uang yang dapat Anda hasilkan. Tetapi pendapatan pasif membuka peluang baru untuk menghasilkan uang tanpa batasan pribadi apa pun.

Dengan mengatakan bahwa, pendapatan pasif masih dikenakan pajak. Juga, 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. Tapi, umumnya, passive income is taxed. What is the passive income tax, persis?

A lot of passive income, but not all of it, is taxed similarly to active income, or your personal salary. Anda harus make sure all passive income is documented pada pengembalian pajak Anda, sama seperti penghasilan kerja Anda.

Dengan mengatakan bahwa, ada beberapa pengecualian dan aturan unik dalam hal perpajakan pendapatan pasif. Misalnya, tidak semua aktivitas persewaan dihitung sebagai pendapatan pasif oleh IRS:

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

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

Selain itu, 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, namun, so most passive income earners should be prepared to pay taxes.

Misalnya, some investment accounts, seperti 401(k) or IRA are not taxed. High-yield savings accounts or other investment types are taxed, namun.

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

Selain itu, taxpayers can write off losses from passive activities on their taxes in most cases. Namun, umumnya, 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

Kegiatan persewaan

Seperti yang disebutkan, rental activities are one of the most common ways to gain passive income. There are certain exceptions to rental income being classified as passive. Tapi, umumnya, the owner of a rental property does not actively or materially participate in accruing income. Rental property owners or Airbnb hosts, misalnya, almost always file their earnings as passive income.

Investments

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

Tapi, 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.

Namun, silent investments, in which an investor provides money but is not otherwise involved, are a classic example of passive income. Seperti yang anda lihat, 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 bisnis

There are several potentially lucrative options for earning passive income online. Misalnya, if you are an expert on a topic or skill, anda bisa write an e-book atau 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 menjual produk secara online. Selling products online that you (or your company) did not produce, toko, 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. Dalam pengaturan ini, the supplier is responsible for both storage and shipping of the products. The seller’s primary responsibility is to facilitate product sales and provide customer service.

Lagi, there may be some exceptions where selling products online is not passive income. Jelas, 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. Demikian juga, 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. Meneliti apa produk untuk dijual dan where to sell them should be the first step. Mengikuti itu, figuring out your harga produk 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. Namun, 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, mengelola, and grow your own online store from anywhere.

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Mulai

Jan 1, 2023

Tentang Penulis

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