Indlela i-Spendthrift Trust inokukhusela ngayo iindlalifa zakho kuBawo

Isingeniso kwi-Spendthrift Trust Funds kubaTshali-mali abatsha

Enye yezona zixhobo eziphambili zokukhusela, ukugcina, nokudlulisa ubutyebi kwiindlalifa kukuthenjwa kwetrastiri. Yintoni i-trustthrift trust kwaye yintoni eyenza ibe yinto ekhethekileyo? Kule nqaku, uya kubona indlela enokwenzeka ngayo esi sixhobo esiyingqayizivele ekugcineni imali yentsapho ekhuselekileyo kungekhona kuphela kubabolekisi kodwa iindlalifa ngokwabo.

Okokuqala, kufuneka ufunde ngokubaluleka kweemali zetrust kuquka nencazelo yemigangatho enjengomnikezeli, umxhamli, kunye nomphathiswa.

Kukunceda ukwazi ukuba i- fund ethembela njani kwaye izizathu zokuba umtyalo-mali angathanda ukusekela isikhwama sokuthembela ukuze ahlale ecwangcisiweyo okanye ahlawule ngendlela elawulwayo, imali kunye nezinto azifumanayo, ngokuphindaphindiweyo. Ngaphandle kwabo bephuma endleleni, ukuqonda i-spendthrift trust kufuneka kube lula kuwe.

Yiyiphi i-Spendthrift Trust kunye Nokuba ihluke njani kwiNgxowa-mali yeTrasti eqhelekileyo?

I-akhawunti yokubambisa i-trust trust yongamela i-trustee, njengomphathiswa womntu okanye we-corporation, olawula i-asethi oyishiyeyo, kuquka ukuqesha inkampani yokulawula i-asethi , mhlawumbi omnye oqulunqwe njengomcebisi- mali obhalisiweyo obhalisiweyo ukuba atyale imali yemali emva kokuba ' uye wenza ukuba ithemba lingenakwenzeka okanye lafa. Umxhamli akavumelekanga ukuba asebenzise imali ngaphambi kokuba athathe ulwabiwo kwaye umphathiswa unelungelo lokufumana ukuba yiziphi iintlawulo eziyimfuneko ngokwemvumelwano yesivumelwano.

Umzekelo, ukuba ushiye i-$ 5,000,000 kwi-nephew yakho eyintandokazi, kwaye i-akhawunti ye-trust yenza i-$ 250,000 ngonyaka ngenzuzo eyayihlawulwa yona, ayikwazi ukumbambisa i-asethi ye-trust. Ukuba uthe wachitha imali engaphezulu kunokuba akwazi ukuxhasa - uthetha indlu eyi-3,000,000 yezindlu - ababolekisi baya kuba yintlanzi xa efumana ukuba akakwazi ukwenza ngetyala.

Imali kuphela eyoyiqokelela kumntakwabo iya kuba yi-$ 250,000 yokusabalalisa. Inqununu yecala lokuchitha imali isendaweni, ivelisa izahlulelo, inzala, kunye neentlawulo ngokukhuselekileyo nangokukhuselekileyo kwiminyaka ezayo.

Indlela i-Spendthrift Trust idalwe ngayo

Inkqubo yokuseka i-spendthrift trust fund iyafana nokudala nayiphi na enye i-fund ye-trust ngaphandle kwesixhobo sokubethelwa kufuneka sibe nelelo zokuchitha imali. Igqwetha lakho kufuneka likwazi ukunika iingcebiso malunga neli gama kunye nento esebenza kakuhle kummandla othile.

Imida kwi-Self-Designed Spendthrift Trusts

Ukuba olu khuselo olukhulu kubabolekisi likhona, kutheni ungakheli u-trustthrift trust kwaye uzibiza ngokuba ungumzuzi? Umbuzo omkhulu. Ngenxa yezizathu zomgaqo-karhulumente, amaninzi amazwe awayi kuvumela oku. Kukho ezinye iimeko, ngokukodwa i-Alaska Trust, kodwa kufuneka uqhagamshelane nommeli oqeqeshwe ngokufanelekileyo. Ingcamango yokuzithengisa i-asset trusts, njengoko iyaziwa rhoqo, isentsha.