Ingcamango yesikhwama sithemba ithatha i-mystique ethile, kodwa yintoni na into ethembekileyo? Ngendlela elula, kuyisivumelwano somthetho phakathi kwamaqela amathathu:
- Umgcini othembekileyo : Lo ngumntu odala isivumelwano somthendeleko, esivame ukubizwa ngokuba ngumnikezeli, umncedisi okanye ukulungiswa.
- Umphathiswa: Lo mntu okanye iqumrhu lijongene nokulawulwa kwepropati i-trustmaker idluliselwa kunye nezihloko egameni lethemba.
- Abaxhamli okanye abaxhamli: Aba bantu okanye amaziko athola inzuzo yepropati ebizwa ngegama lethemba.
Umphathisi-mali uyadlulisela ubunini bezinto ezithile kwi-trust kunye ne-trustee, kwaye umphathiswa uyawalawula ukuze kuzuze umxhamli okanye abaxhamli.
Yintoni Ethembekileyo Kukholo?
Ukholo oluphilayo luyilwe kwaye luqala ukusebenza ngexesha lobomi be-trustmaker. Ngamanye amaxesha kuthiwa yi "inter vivos" trust.
Amanye amathemba awayi kusebenza ukususela emva kokuba ummangalelwa efile. Ezi zikholo "zeemviwo". Isithemba se-testamentary sithe sakhiwa ngumqhubi wesakhiwo se-decedent xa ikhefu lakhe lokugqibela liza kuthi umnqophiso uthe igama lithemba lokuba ngumxhamli. Uya kuqhuba ukuba ipropati yakhe ifanele ishukunywe kwisithemba ekufeni kwakhe.
Iingxowa Zokuphila eziPhephekayo
Kwiimeko ezininzi, u-trustmaker, umphathiswa kunye nomxhamli wethemba lokukhutshwa ngumntu ofanayo.
Isivumelwano sobathemba singabhekisela kwabanye abaxhamli kunye nabo, abo baya kulidla ilifa emva kokufa kuka-trustmaker. Iinjongo ezibini eziqhelekileyo zokukholelwa kokuphila okupheliswayo kukucwangcisa ukukhubazeka kwengqondo kunye nokuphephelwa kwezinto eziphathekayo kwi-trustmaker funds ngaphambi kokufa kwakhe.
Umdali wethemba uthetha omnye umntu, obizwa ngokuthi "umphathiswa wendlalifa" ukuba athabathe xa ekhutshiswe ngengqondo. Oku kunqanda ukuba negama lenkundla umgcini-mgcini okanye umgcini ukuba athathe imicimbi yakhe yezezimali xa engakwazi.
Izikhokelo Zokuphila ezingapheliyo
Kwiimeko ezininzi, u-trustmaker akakwazi ukwenza njengotrasti ukuba wenza i-trust engaguqukiyo. Ukusetyenziswa okuqhelekileyo kwithemba elingenakuguquguquka kukuhambisa impahla ngaphandle kwegama lomphathisi-zithethi kwisizukulwana esilandelayo ekusebenziseni kunye nokuzonwabisa, okuye kwanciphisa ixabiso lefa lomphathisi-zimpahla ngenjongo yentlawulo yerhafu .
Awukwazi ukuyithatha impahla yakho emva kokuba uyithumele kwisithemba esingenakuthenjwa. Umgcini othembekileyo unelungelo lokutshatyalaliswa okanye ukutshintsha ukuthembela kwakhe okuthekisayo nanini na, kodwa ukuthembela okungenakutshintsho kukuthi, ngokubanzi, ngonaphakade.
Ezinye iintlobo zeenkolelo
Zonke iinkolelo eziphilayo ziyakuthi ziphephe okanye zingenakuguqulwa, kodwa ziyaklanywa ukuba zifezekise iinjongo ezithile nakwezo zikhokelo.
- I-inshurensi yobomi bomshuwalense engaphendukiyo okanye i-ILIT inomgaqo-nkqubo womshuwalense kubomi be-trustmaker. Umgaqo-nkqubo uphantsi kwetrasti ukwenzela ukuba imali engenayo ayifakwanga ngokubanzi kwixabiso elithengiswayo lelifa lezentengiso kwiinjongo zerhafu.
- Iimfuno ezizodwa zokuthembela zibekwe ukubonelela ngomxhamli onokukhubazeka ngendlela enokuthi ayithobeli ilungelo lakhe kwiNkxaso yeNkxaso yoKhuseleko okanye iMedicaid
- I-spendthrift trust inika umphathiswa wengqiqo malunga nendlela kwaye nini na ukusabalalisa kufuneka kwenziwe kwintlawulo yomntu ongekho uxanduva lwezemali, okanye ukugcina ilifa kwimeko apho umtshato onokufumana umtshato.
Ukuba ufuna ukwakha inkolelo yenkxalabo ethile okanye isizathu, thetha nommeli wecebo lokuthengisa. Ngokuqinisekileyo, kukho ithemba apho ukuhlangabezana neemfuno zakho.