Indlela yokuchonga uhlobo lunikelo lokuncedisa olulungeleyo kuwe
Ukuphela konyaka kusondela ngokukhawuleza, kwaye njengoko ucinga ngokucima yonke loo nto kwizinto ozenzileyo, ungacinga ukuba ungayenza njani umahluko kule xesha elikhethekileyo lonyaka. Ukunikezela ngokuzinikela ngenye indlela abantu abaninzi abakhethileyo ukuxhasa imbangela ethile okanye intlangano esondelene nentliziyo yabo. Ukususela kumbono wezemali, ukunikezela okuncedo kunokuba yingxenye ebalulekileyo yefa lakho, irhafu kunye nokucwangcisa imali.
Enyanisweni, iipesenti ezingamashumi amabini anesithandathu zabahlawuli berhafu bahlawula imali yokunciphisa inzuzo kwiirhafu zabo.
Ngokuxhomekeka kohlobo lwefa lakho, inani lemali ofuna ukuyinika, kunye nendlela ofuna ukuyinika ngayo, unokufumanisa ukuba awuqinisekanga ukuba luhlobo luni lokunikezela okuncedo lunokusebenza kakuhle kuwe kunye neenjongo zakho zobubele. Kukho iindlela ezahlukeneyo onokukunika zona, ngamnye ngeenzuzo zakhe kunye neentlondi, kuxhomekeke kwinto ofunayo.
Iingcebiso zeNgxowa-mali. I-fund-advised fund ingumnikelo wokuncedisa apho unikela ngemali engahlawulwanga, mhlawumbi ngemali okanye kwii-securities, kwintsimi ekhethekileyo. Olu hlobo lokupha lenza ngaphezu kweepesenti ezingama-3 zonke izipho zontando e-United States. Inzuzo kulolu hlobo lokunikezela kukuba ukuba uziva ufuphi kakhulu nesizathu okanye inhlangano kwaye ufuna ukubandakanyeka nendlela iimali ozinike zona zisetyenziswa ngayo, unako ukukhokela umlawuli weengxowa-mali ukuba uncedise ukuba unikwe .
Ngokukhawuleza ufumene inzuzo enkulu yerhafu kwi-IRS yegalelo lakho, kwaye unako ukumisela imali ukuze uqhubeke nangemva kokufa kwakho.
Izindlu ezithengiswayo. Ukuba unesakhiwo ongeke usisebenzise kwaye kufuneka uhlawule irhafu enkulu ukuba uthengise ipropati, unokufumana ukuba ukunikezela ngexabiso lezakhiwo zothando kukukhetha okulungileyo.
Ukuba usaphila kwipropati onokuthanda ukuyiyeka, unokuyibeka ukuba ube yintlawulo yokunikela ngokubakho kwi-estate yakho edluliselwe emva kokufa kwakho. Ngelo xesha, ixabiso lekhaya liya kuthathwa ngaphandle kwefa lakho, ukuhlawula iirhafu zakho. Unokufumana kwakhona inzuzo enkulu yerhafu ngokunikezela ngezindlu zangaphandle. Kwezinye iimeko, unako ukulungelelanisa irhafu elingana nexabiso lemarike elungileyo ye-propati.
Cash. Isipho semali yindlela elula kakhulu yokupha. Ukuncitshiswa kwentlawulo yakho kufana nemali yemali oyinikezile, ukunciphisa inani leempahla okanye iinkonzo ozifumene ngokubuyisela. Umzekelo, ubulungu kwiingeniso, njenge-zoo okanye enye inhlangano, ithathwa njengezipho zemali. Izihloko, izatifikethi okanye izitokethi azihanjiswe kumnikelo wenkxaso. Inzuzo yokufumana imali yokunika imali yinto elula ukuba yenze, kwaye akukho zithintelo zerhafu ezididekileyo okanye izinzuzo zokusingatha.
Amasheya. Enye yezona ndlela ezintle zendlela zokunikezela ngukunikela ngokubambisa iimali ezithatha ixesha elide, njengempahla. Kukho iintlobo ezimbini ezibalulekileyo zokunikela ngale ndlela. Enye, ekubeni awuthengisi iifotyi zakho, akukho mali yentlawulo ezuzwayo, kwaye ukuxabisa kakhulu ama-stocks, i-savings yakho yerhafu iya kuba yinto enkulu.
Inzuzo yesibini kukuba nayiphi na isitokethi esithengiweyo ngaphezu konyaka odlulileyo enenani eliphezulu ngaphezu kweendleko zabo zangaphambili linokunikezwa kwaye lifanele ukuhluthwa kwentlawulo elingana nexabiso elipheleleyo lexabiso lemarike yesitokisi, ukuya kuma-30 ipesenti yengeniso yakho epheleleyo.
Iingxowa Zobuncedo. Kukho iintlobo ezimbini zezinto ezinokuthi unomdla onokuthi unomdla wokwenza inxalenye yesicwangciso sakho sezemali-inkonzo yokukhokela inzuzo (CLT) kunye nethemba lokuncedisa inzuzo (CRT).
- CLT. Le ngxowa-mali oyifumayo ngokudlulisela impahla kwi-trust kunye nokunikela umlambo wenkcitho evela kwii-asethi ukuya kwintlangano yoncedo ngamnye ngonyaka. Imali eyashiywe kwi-trust ekupheleni kwexesha oye wazinzisa ukuba unikelwe idibeneyo kwabanye abaxhamli okanye abanjwe kwi-trust. Isaphulelo sakho somrhumo wesipho sisisiseko kwaye sisekelwe kwixabiso lentlawulo yengeniso kwi-charity. Akukuphela nje oku kukudlulisela ubutyebi kwiindlalifa zakho, kunika kwakhona ukuhamba kwemali ehambelana nokuthanda kwakho. Okukuphela kwengozi kukuba kufuna ulawulo lolawulo lwangonyaka.
- CRT. I- CRT ifana ne-CLT, ngokwahlukileyo okukhulu. Kwi-CRT, abaxhamli kunye nabaxhasi bahlawulwa kuqala, befumana umvuzo wabo wenzuzo ngaphambi kokuba inhlangano incedo. Nangona kunjalo, oku kunenzuzo njengoko kukunika ingeniso kunye nabaxhamli bakho kunye neendlela ezahlukeneyo zokutshala imali. Oku kufezekileyo kulabo abanamali-mali axabisekileyo afuna ukudala ingeniso kodwa baqhubeka nokubonelela ngokukhawuleza kwemali kwi-charity. Njenge-CLT, yinto engeyiyo yodwa yinkqubo yokulawulwa kwetrust yonyaka.
Ukunika iiAfa kwiNcedo. Inzuzo enkulu yokunika i-asethi yakho, njengeakhawunti yomhlalaphantsi kunye nemigaqo-nkqubo yinshurensi yobomi, ukuba uncedo kukuba ngaphezu kweyonke inzuzo yokunciphisa irhafu yengeniso, i-estate yakho ayiyi kuqonda ukuba inzuzo engenayo, enokukunika ikhefu kwifa irhafu. Abaninzi banokukhetha ukusebenzisa iimpahla eziqhelekileyo zineentlawulo zerhafu yengeniso, zishiye ii-akhawunti ezihlawulwe irhafu kwiindawo zabo zabazuzi, zinika ifa elihle elingayi kuhlawulwa irhafu. Unokuba neempahla ezibonakalayo ofuna ukuzinikela ekuthandweni. Ezi zinto, ezifana nobugcisa kunye nobucwebe, zinokukunika ilungelo lokuncitshiswa kwentela elingana nexabiso lezinto ozinikele zona. Ukuba i-asethi yakho inxulumene nothando, njengokwenza ubugcisa kumyuziyam, unako ukufumana ukuncitshiswa kweerhafu ezinkulu kunokuba unikele ngento ethile engayihambelani ngqo nenjongo yombutho okanye iinjongo.
Funds Income Fund . Ukuba ukhangele ukuvelisa ingeniso kodwa ufuna ukunika iincinci ezincinci kwisithando, isikhwama sokufumana ingeniso sinokuzikhethela. Unako "ukuhlamba" kunye kunye kunye / okanye ukudibanisa ngemali ukudala inani elikhulu lemali ukuze usasaze kwi-charity. Imali ihlawulwa kuwe nakweyiphi na abanye abaxhamliweyo abadibene kunye nefa kwi-fund. Xa usweleka, intsalela yesixokelelwano sokufumana ingxowa-mali ifakwe kwi-charity. Kwezinye iimeko, unako ukufumana ukuncitshiswa kweerhafu ezinokulingana ezilinganayo nemali yemali elindelekileyo ukuba lithande.
Private Foundation. Iziseko ezizimeleyo zizinyathelo ezincedisayo njengezinto zokuxhasa okanye iinkampani. Ukuba ukhangele ukusekela isiseko sakho sobubele, isiseko sabucala sinendlela enkulu yokubakholisa intsapho, ingakumbi ukuba unesizathu esithandekayo entliziyweni yakho. Nangona kukho imimiselo eqinile kunye nemithetho yerhafu, isiseko sabucala singanika izibonelelo kubantu ngabanye kwaye unokugcina ukulawulwa kwezinto ezikhoyo.
Ngaba unomdla wolwazi olungakumbi malunga nokunikezela ngokunikela ngoncedo kwisicwangciso sakho semali? Ukuba kunjalo, ihlala ilungileyo ukuhlala phantsi nomcwangcisi wezemali ofanelekileyo onokukunceda ukuphendula imibuzo yakho. Ngezinye iingcebiso kunye neengcebiso, nceda ukhupha le e-ncwadi ekhululekileyo, Isikhokelo sezeMali sokwenza iMinikelo yokuhlawulela.
Ukubhengezwa: Le ngcaciso inikezelwa kuwe njengomthombo wolwazi kuphela. Kuhanjiswa ngaphandle kokuqwalaselwa kweenjongo zotyalo-mali, ukunyamezela ngengozi okanye imeko zezimali kwanoma yimuphi umtyalo-mali othile kwaye angenakufaneleka kubo bonke abatyalo-mali. Ukusebenza kwangaphambili akubonakali kweziphumo ezizayo. Utyalo-mali luquka ubungozi kubandakanya ukulahlekelwa kwinqununu. Le ngcaciso ayijoliswanga, kwaye ayifanele, yenze isiseko esisisiseko saso nasiphi isigqibo sotyalo-mali ongayenza. Njalo qhagamshelana nomcebisi wakho wezomthetho, wezorhafu okanye utyalo-mali ngaphambi kokuba wenze nayiphi na ingxowa-mali / ityala / indawo / izicwangciso zezimali okanye izigqibo.