Passief inkomen begrijpen: Soorten, Belastingen en voorbeelden

11 min read

Passief inkomen klinkt misschien als een droom die uitkomt. Kun je echt geld verdienen zonder enige moeite of fysieke investering? Het antwoord, in sommige gevallen, is ja.

Het is mogelijk om passief inkomen binnen te halen zonder er actief voor te werken. Echter, dit betekent niet dat er geen inspanning of investering nodig is om passief inkomen te genereren.

Meestal is er een initiële investering nodig, ofwel een financiële investering of werk om een product of dienst te creëren. Maar zodra dat eerste werk achter de rug is, passieve inkomstenstromen genereren geld zonder uw directe betrokkenheid.

Klinkt geweldig, rechts? Het kan zijn. Maar u moet de ins en outs van passief inkomen kennen, en hoe het wordt belast, voordat je erin duikt. Dus wat is passief inkomen precies? Hoe wordt het gedefinieerd en belast, 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. De 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.

Er zijn een paar verschillende manieren om passief inkomen te verzamelen. Verhuur activiteiten, verkoop van bepaalde producten online, en bedrijfsinvesteringen behoren tot de meest voorkomende voorbeelden van passieve inkomstenbronnen.

De voordelen van het kunnen genereren van passief inkomen liggen voor de hand. Normaal, je zou beperkt zijn door de tijd, bronnen, en energie in termen van hoeveel geld u kunt verdienen. Maar passief inkomen opent nieuwe mogelijkheden om geld te verdienen zonder al die persoonlijke beperkingen.

Met dat gezegd, passief inkomen wordt nog steeds belast. Ook, de meeste mensen moeten eerst wat werk verzetten om de bal aan het rollen te krijgen met passief inkomen.

Wat is passieve inkomstenbelasting?

Sommige mensen vragen zich misschien af of passief inkomen wordt belast of niet. En het antwoord op die vraag is ja. Passief inkomen kan in sommige gevallen anders worden belast dan andere inkomstenbronnen. Maar, in de meeste gevallen, passief inkomen wordt belast. Wat is de passieve inkomstenbelasting, precies?

Veel passief inkomen, maar niet alles, wordt op dezelfde manier belast als actief inkomen, of uw persoonlijk salaris. Je zou moeten zorg ervoor dat alle passieve inkomsten gedocumenteerd zijn op uw belastingaangifte, net zoals u uw werkinkomsten zou doen.

Met dat gezegd, er zijn verschillende uitzonderingen en unieke regels als het gaat om passieve inkomstenbelasting. Bijvoorbeeld, niet alle verhuuractiviteiten worden door de IRS als passief inkomen geteld:

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

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

Bovendien, 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, echter, so most passive income earners should be prepared to pay taxes.

Bijvoorbeeld, some investment accounts, zoals een 401(k) or IRA are not taxed. High-yield savings accounts or other investment types are taxed, echter.

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

Bovendien, taxpayers can write off losses from passive activities on their taxes in most cases. Echter, in de meeste gevallen, 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

Verhuur activiteiten

Zoals vermeld, rental activities are one of the most common ways to gain passive income. There are certain exceptions to rental income being classified as passive. Maar, in de meeste gevallen, the owner of a rental property does not actively or materially participate in accruing income. Rental property owners or Airbnb hosts, bijvoorbeeld, almost always file their earnings as passive income.

Investments

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

Maar, 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.

Echter, silent investments, in which an investor provides money but is not otherwise involved, are a classic example of passive income. Zoals je kunt zien, 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 bedrijven

There are several potentially lucrative options for earning passive income online. Bijvoorbeeld, if you are an expert on a topic or skill, je kon write an e-book of 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 het verkopen van producten online. Selling products online that you (or your company) did not produce, winkel, 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 deze regeling, 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.

Weer, there may be some exceptions where selling products online is not passive income. Uiteraard, 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. Ook, 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. Onderzoekend welke producten te verkopen en where to sell them should be the first step. Daarna volgen, figuring out your prijsstelling van producten 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. Echter, 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, beheren, and grow your own online store from anywhere.

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Aan de slag

Jan 1, 2023

Over de auteur

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