I-akhawunti ye-TOD ivumela i-asethi ekhoyo kwi-akhawunti ye-investment xa umnini we-akhawunti efa ukuba adlule ngqo kubaxhamli ababizwa ngokuba ngumnini-akhawunti. Kuya kwenzeka ngaphandle kweengxaki, kwaye ngokubanzi, bonke abaxhamli be-akhawunti ye-TOD baya kuyenza ukuze bafumane ukulawulwa kwe-akhawunti emva kokuba umnini-fileyo ebonise umnini-akhawunti wengxelo-mali (ngokuqhelekileyo i-firm firm). isatifikethi sokufa somnini.
Iimpahla ezisele kwi-akhawunti ye-TOD ziya kuhlawulelwa kubaxhamli ababizwa ngokuba ngumnikazi we-akhawunti kwifomu yokutyunjwa kwabaxhamli kwifayili kunye ne-firm firm. Kuya kwenzeka nangona umnini-akhawunti we-TOD enesidingo sokugqibela kunye nesigidimi okanye ukukholelwa kokuphila okuphephekanga kwaye kungakhathaliseki ukuba kuyintoni na ukuthanda okanye ukuthembela.
Ngubani ofikelela kwiAkhawunti ye-TOD?
Nangona umnini we-akhawunti ye-TOD esaphila, abaxhamli ababizwa ngokuba ngumnini ukuba bafumane i-asethi eshiye kwi-akhawunti emva kokuba umnini-fileyo abuye anakho ukufikelela okanye ukulawula kwi-akhawunti ye-TOD, umnikazi kuphela unokufikelela kunye nokulawula ngaphezu kweempahla ezigcinwe kule akhawunti. Kwakhona, umnini unako ukutshintsha abaxhamli be-akhawunti ye-TOD ngaliphi na ixesha ngelixa umnini ahlala kwaye unako ukwenza utshintsho kwi-akhawunti.
Ingaba i-Akhawunti ye-TOD ingaba nomntu ongaphezu komntu omnye?
I-akhawunti ze-TOD ayifanele imiswe ngumntu oyedwa kuphela.
Abantu ababini, abathathu okanye ngaphezulu banako ukufikelela kwi-akhawunti ye-TOD ngelixa nabani na abaninikazi besaphila, kwaye xa umnini wokugqibela efa i-asethi ehlala kwi-akhawunti ye-TOD iya kuhlawulelwa kubaxhamli ababizwa ngokuba ngumnini wokugqibela ohleliyo .
Ngaba i-Akhawunti ye-TOD kufuneka ihlawulwe ngokulinganayo kubaxhamli?
Umnini-akhawunti we-akhawunti ye-TOD ayifuni ukushiya i-akhawunti ngokulinganayo ukuba ngaba uncedo lomntu omnye.
Endaweni yoko, ukuba umxhamli ongaphezu komnye ubizwa ngokuba ngumnini we-akhawunti ye-TOD ukuze athathe ifa ehlala kwi-akhawunti emva kokuba umnini afe, ke abaxhamli baya kufumana ibhalansi ye-akhawunti ngokulinganisela okuchazwe ngumnini kwifomu yokutyunjwa kwabaxhamli.
Yintoni eyenzekayo xa umNcedisi onqamlekileyo egqithisa umnini-akhawunti we-akhawunti ye-TOD?
Ukuba umxhamli ogqitywe ngumnini-akhawunti we-akhawunti ye-TOD udlulisela phambili umnini, ngoko i-asethi ehlala kwi-akhawunti iya kubhatalwa ngokumalunga nabaxhamli abahlalayo. Ngokomzekelo, ukuba umnini-magama anika abaxhamli abane kunye nomnye wabaxhamli ababizwa ngokuba yi-beneficiary predecease umnini kwaye umnini akenzi naluphi utshintsho kwi-akhawunti yegama elixhamliweyo, ngoko i-asethi ehlala kwi-akhawunti xa umnini efile uya kuhlawulwa ngokumalunga abathathu abaxhamlileyo. Kodwa kuya kwenzeka ntoni ukuba umninimzi kuphela ebiza umxhamli oyedwa kwaye unqumla umnikazi weakhawunti kwaye umnini akaze atshintshe utyunjwa lwabaxhamli? Emva koko i-asethi ehlala kwi-akhawunti ye-TOD iya kuba yinxalenye yezinto ze- probate ze-akhawunti yomnini-akhawunti.