Isikhokelo soTyalo-mali esitsha sokuThola iNgxowa-mali

by UJohn Kennon

Ukusebenzisa i-Trust Funds ukwakha, ukukhusela, nokudlulela kwimpahla

Kukho ukungaqondi kakuhle okukhoyo phakathi kwabatyalomali abatsha abakhokelela kubo imali yokucinga yokuthembela kuphela kwizityebi. Phantse bonke abemi baseMelika, ingakumbi abahlala phantsi, bangazuza ngokusebenzisa imali ye-trust ukuba ubuncinane bodwa. Ukususela kwiintlawulo zerhafu ukukhusela iindlalifa zakho kubabolekisi okanye zabo izigqibo eziphosakeleyo, akukho sixhobo nje nje esinokuba luncedo njengokholo olwenziwe kakuhle.

01 Yintoni iFund Trust?

Ukuba awuzange ube kwisigqibo sokufumana isikhwama sokwethemba, awuyi kuqonda ukuba ziphi na okanye zisebenza njani. Ngethamsanqa, ukuthembela akukhiphi nje into eyoyikisayo njengoko abatsha-mali abatsha abonakala bacinga. Nangona unayo imali encinci kuphela, ingaba yindlela efanelekileyo kakhulu yokukhusela, ukudlula kunye nokukhuthaza ubutyebi. Lo mboniso uchaza izinto ezisisiseko - ngubani umniki-mali, umxhamli, kunye ne-trustee, ukuba i-trust isakhelwe njani, nangaphezulu.

02 Indlela yokubeka iFund Trust

Ukuba uke wathanda ukusekela i-fund ye-trust yakho kumalungu entsapho okanye ezinye iindlalifa, nolu luhlu olusisiseko lwenkqubo ukukunceda ukuba uqonde oko unokulindela.

03 Ukubiza ngeNgxowa-mali Yakho Yomndeni

Kungathi kuza kumangaliswa, kodwa inkqubo yokubiza igama lakho ngxowa-mali yentsapho ibalulekileyo. Abanini bemali abancedisa imali bayasebenzisa ukufumana igama labo kodwa kunokuba luncedo, ingakumbi ngezizathu zobungasese, ukubiza i-trust emva kwezinto ezingenakuze zibophelelwe kwintsapho yakho, kukunceda ukukhusela i-asethi yakho kwi-eyes.

04 Utyalo-mali olugcinwe kwiTrust

Ngamanye amaxesha, abatyala-mali abatsha banokungaqondi kakuhle ukuba utyalo-mali olugcinwe kwi-trust uhlukile kuneendlela eziqhelekileyo. Kwinkalo ebalulekileyo ebalulekileyo, ayiyinyaniso. Ithemba liyakuthi libe nelo myalelo wokuthintela kulo, ukuchazela iintlobo zokhuseleko kumphathi wepotfoliyo angayifumana kwaye phantsi kweyiphi imeko, kodwa iisuthi kunye neebhontshi zokulawula imali ayiyikuhamba ngokukhawuleza ukusuka kuyo nayiphi na idibanti .

I- Testamente ye- 05 ye- Inter Vivos Trust Fund

Kukho iindidi ezibanzi zeemali zokuthembela - iimali zokuthembela zeTestamente kunye nemali yokukholo, ekupheleni kwayo eyaziwa ngokuba yi-inter vivos cash funds. Nangona zivakala ziyinkimbinkimbi, ilula kakhulu. Ziyahlukahluka ngendlela ezidalwa ngayo, kodwa ngenye indlela, zingasebenzisa ngokunokwenzeka zonke iintlobo ezifanayo, kwaye zihlupheke kwiingxaki ezifanayo. Thatha umzuzu omncinane ukuba ufunde umahluko phakathi kwezi zibini kunye nendlela nganye eyenziwe ngayo.

06 Iingxaki zokusebenzisa iNgxowa-mali yokuThumela ukuPhuma kwiMpahla

Kuzo zonke iingenelo zabo, iimali zokuthembela zinemiphumo ebalulekileyo ekufuneka uyiqonde. Nazi ezinye zezona zinto zinokubangela ukuba wena okanye iingxaki zakho ezixhamlileyo zihlawule umgca. Isixa esincinci sokucwangcisa, kunye nento encinci yokukhusela ngoku, sinokusindisa izibophelelo zerhafu ezinkulu, iingxaki zomthetho kunye nokulwa kwamabhinqa phakathi kwexesha elizayo.

07 Imibuzo emithathu ekufuneka uyibuze Xa ukhetha iTrasti kwi-Trust Trust yakho

Ukuba usebenzisa i-fund trust ukuba udlulisele ubuncwane kubantwana bakho, abazukulu, ezinye iindlalifa, okanye nantando endiyithandayo, oyikhethayo njengomphathiswa uya kuba nefuthe elinamandla kwimpembelelo enkulu yemali. Nazi le mibuzo emithathu omele uzibuze yona ngaphambi kokuba unikwe umntu ogunyazisiweyo ukuba abe ngumphathiswa.

08 Ukusebenzisa i-Remainder Trust to Trust Pass on Treasury and Give to Charity

Ngaba uyazi ukuba ungasebenzisa intsalela yokuncedisa inzuzo ukuze ufumane inzuzo kwabaxhamli bakho kwaye, kamva, usenza isipho esikhulu, esisisitored-tax tax to charity, okanye nokuba uncedo oluninzi lokuzikhethela? Sibonga ngokulula into eyaziwa ngokuba yintsalela yokuncedisa. Udidi olukhethekileyo lwe-fund ye-trust ayiyinkimbinkimbi njengoko kubonakala nje xa uqonda izinto ezisiseko. Ingaba yinto ecacileyo yokucwangcisa indawo, okanye njengendlela yokuzuza abahlobo kunye nosapho ngelixa wenza okuhle kwihlabathi.

09 Ukusebenzisa i-Spendthrift Trust Funds ukukhusela abaxhamli bakho

Mhlawumbi uthanda izindlalifa zakho. Sekunjalo, abanye babo benza iimpazamo ezininzi kunabanye. Ngaba ukhathazekile ngabaxhamli bakho abaphuhlisa ukugembula, iziyobisi okanye inkcitho yokuchitha? Ukuqhawula umtshato? Ukuxhaswa ngababoleki? Enye indlela onokukunceda ngayo ukukhusela imali oyishiya kuzo kukubandakanya ilungiselelo elikhethekileyo eliguqula i-fund ethembekileyo kwingxowa-mali ye-spendthrift. Oku kubathintela ukuba bakwazi ukufaka isibambiso, okanye ukudlulisela, inqununu yesithemba, kwaye bavumeleke kuphela kwimfudlana yemali ephuma kwi-trust, leyo itrasti ingayivala ukuba umxhamli uyasongelwa.

Ukusebenzisa i-Trust Funds ukukhusela nokuvelisa umnotho

Ukuba ufuna abantwana bakho, abazukulu, kunye nabazukulwana-nkulu ukuba banandiphe iziqhamo zomsebenzi wakho, ukufumana ukuhanjiswa kwezinto ezivela kwiisitokisi, iibhondi, i-real estate, kunye namashishini abucala onokuqhawula, kwaye kwezinye iimeko, ngothando, Indlela efanelekileyo yokwenza oko ngokuqhelekileyo i-fund trust. Le nkcazo yokusebenzisa i-trust trust njengesixhobo sokucwangciswa kwamanqanaba ahlukeneyo yenzelwe ukukunceda ukubonelela isizathu sokuba abantu abaninzi baphumelele baye kwiintembeko xa befuna ukubonelela, nokukhusela iindlalifa zabo.

Iingxowa-mali zeTrasti ayikho nje i-Rockefellers

Akumele ube neyona nto isisityebi ukufumana inzuzo yeengxowa-mali. Nangona unayo i-$ 10,000 kuphela okanye i-25,000 zama-dollar, i-fund trust ingaba yindlela efanelekileyo yokukhusela izindlalifa zakho, kunye nababolekisi, abatshatileyo bokuqala, ukunyakaza ukugembula kunye nemikhwa emibi yemali. Ngenxa yeendleko zokulawula amagama, phantse zonke iibhanki zithembela amasebe anokuphatha iiphothifoliyo ezilula xa usudlulile okanye unqume ukwenza isipho esingenakutshintsho kwi-trust, ngokuphindaphindiweyo ungaphantsi kwe-1 ukuya kwi-1.5% ngonyaka. Nangona oko kubonakala ngathi isihlobo esinexabiso esininzi nakwezinye izithuthi zotyalo-mali, ukukhusela kuyafaneleka ukubiza ixabiso xa uqonda ukuba imali ibeke ngaphaya kwalabo abadla ilifa ukuze bakwazi ukuchitha imali engenayo kuphela, kungekhona inqununu, ukuba yiloo nto u nqwenela.

12 Amasebe eBhanki 101

Ukuba uhlawula iimpahla ngexesha lokuphila kwakho kwaye ufuna ukubonelela abantwana bakho nabazukulu, unokufuna iinkonzo zesebe lethemba lebhanki ngelo xesha. Ba sebenza njani? Zihlawulwa njani? Funda iimpendulo kule mibuzo nangaphezulu.

13 Umntu onobuqili okanye uMlawuli wezoTyalo-mali

Emva kokuba uqale ukujongana nemali yokwethemba, uya kudibana nento eyaziwa ngokuba ngumlawuli onobuqili, owaziwa ngokuba ngumlawuli-mali onobuqili. Ingqiqo ebalulekileyo ngoko thabatha imizuzu embalwa ukufumanisa oko kuthetha kwaye kutheni kubaluleke kangaka.

14 Abacebisi ngezeNtengiso abhalisiweyo kunye ne-Trust Trust yakho

Ngaphandle kwesebe lezentengiso yebhanki, umcebisi-mali oyibhalisiwe ngumnye weendlela ezithandwayo zokuphinda uphumelele umsebenzi wokulawulwa kwemali efunekayo ukuba igcinwe kwi-fund trust. Oku kungeniswa kwi-RIA ezifanelekileyo ixesha lakho.