Ukuqonda ukuhluka
Ukwahlukana Phakathi kweeNkxaso zeTrasti kunye ne-InterVivos Trust Fund
- Iimali zokuthembela kweethestari ziyimali yokwethemba emva kokufa.
- Izikholo eziphilayo, okanye ii-vivos zithemba njengokuba zibizwa rhoqo, zithemba imali eyakhiwe ngexesha lobomi
ZeTestamente Trust Trust
I-fundamentary trust fund iya kuba khona ekufeni komniki-mali (umntu osungula i-fund trust), njengoko kuchazwe kwintando yakhe. Ingcipheko yale ndlela kukuba i-asethi esetyenziselwa ukuxhasa i-trust itholakala ngokuqinisekileyo iya kuhamba kwinkqubo ye-probate, enokubangela ukuba iziphumo ekungazange zifuneke, ngokubandakanya ukubona izalamane ungenakufumana nayiphi na yakho imali yokulwa nesabelo.
Ngokomzekelo, cinga isibini esitshatileyo esinesakhiwo se-$ 2,000,000. Ziyadlula kwaye i-intando yazo iyafuna ukuba zonke iimpahla zabo zibekwe kwi-fund trust, apho i-cash iya kutyalomali kwi- stock chip . Xa abantwana babo abancinci beba ngu-18, baya kufumana i-4% yokunikezelwa kwi-trust, ukwahlukana phakathi kwabo.
Xa baphendukela kwi-30, lonke ithemba liphela kwaye imali isasazwa phakathi kwabaxhamli babini ngokulinganayo. Ibhanki ejongene nemicimbi yezemali yentsapho isebenza njengomphathiswa weziko, ukutyalomali imali kunye nokuqinisekisa ukuba ukuthotyelwa kwamagunya omgaqo kunye nomthetho welizwe kudibene. Lo ngumzekelo we-trustamentary trust ngoba i-fund yekhredithi ayizange ibe khona kuba bazali bafa.
Iimali ze-InterVivos Trust Fund
Ngakolunye uhlangothi, cinga nje isibini esitshatileyo esifanayo kunye ne-$ 2,000,000. Bathabatha isigqibo sokuseka iimali ezimbini zokuthembela kubantwana babo, bazibiza ngokuba ngabatrasti, kwaye banikela i-$ 100,000 kwisikolo ngasinye. Okwangoku, abafana abafumani naluphi na umrhumo, kodwa xa beba ne-18, i-fund iya kuqalisa ukuhlawula i-3% yemali yayo ngonyaka ukwenzela ukukunceda ngeendleko zokuhlala. Ukususela ngamaxesha, indoda kunye nomfazi benza izipho ezongezelelweyo kwii-balance balance fund, ukwandisa inani lemali elisebenzayo kumxhamli ngamnye. Bangakwazi ukufaka imali ngegalelo okanye, kwezinye iimeko, ukukhaba kwezinye iimpahla ezinjengotyalo- mali . Imindeni enomashishini iya kubakho ngokugqithiseleyo iqwalasele ukulingana kwenkampani ejongene nokunyanzeliswa kuyo. Lo ngumzekelo we-inter vivos trust ngoba yenziwa ngexesha lobomi bomniki-mali; kwakungabikho ukufa okuyimfuneko ukudala ukudala i-trust.
Ukubuyiselwa kwemali ye-Trust Irrevocable Trust
Ukuba i-trust ithoxiswa, ithetha ukuba umnini-mali unokwenza utshintsho kuyo ngexesha lokuphila kwakhe. Oko kukuthi, ngokuqhelekileyo uthetha, i-fund trust ingasuswa. Ifomu eyaziwa kakhulu yile yaziwa ngokuba yi- Restoable Living Trust , ebonisa indlela yokunciphisa irhafu yezindlu .
Ukholo oluphilayo luhlukile kweso sicwangciso esisetyenziswayo lubandakanya umniki-mali kwaye ukhonza njengomphathiswa kunye nomxhamli. Oku kunciphisa ukukhuselwa kweempahla ezikhoyo, kwaye kuthatha ininzi yeenzuzo zerhafu, kodwa kunokukhusela asebekhulile kwiintsapho ezixhaphakileyo okanye ngabahlobo. Ngokuqamba iziko okanye umcebisi othembekileyo njengomphathiswa, banokuyithatha xa ungenakukhubazeka. Xa usweleka, sonke isabelo sefa esasesikhwameni sokwethenjwa kufuneka sithintele uvavanyo kwaye ngokukhawuleza siqalise ukufumana umxhamli, onokuthiwa phambi kwexesha. Oku kungabani na umntu - abantwana bakho, abazukulu, abancinci, abazala, abazala, okanye uthando .
Ukuba ithemba elingenakuguquka, lithetha ukuba umnini-mali akanakuyithatha imali okanye impahla emva kokuba i- trust trust isungulwe.
Ayikho "i-do-overs" ngoko kufuneka uqinisekise ukuba ihlelwe ngokuchanekileyo. Inzuzo yolu hlobo lweemeko kukuba zonke ezinye izinto zilingana, zibonelela ngokukhusela iimpahla kunye nabagwebi ababi ngenxa yokuba ipropati ayinayo yonyani okanye umxhamli.
Yiyiphi i-Trust Trust efanelekileyo kwiimeko zakho?
Umthetho we-fund Trust ngowomnye wale mimandla apho kungekho ndawo ithatha indawo yeengcebiso zezomthetho ezifanelekileyo ezivela kummeli ohloniphekileyo, onamandla onguchwepheshe kwintsimi. Wonke ummandla uhlukile kwaye, ngokuxhomekeka kwiimfuno zakho, yonke i-fund yeentembeko iyahluke. Lona akusiyo ndawo apho ufuna ukusika iikona uze uzame ukusindisa ibhokhwe kuba ukuba ungayenzi kakuhle ngaphambili, izahluli ziya kuphelisa emva kokuba uhambe xa izindlalifa zakho zilwa nezinto.
Ukufumana ulwazi oluninzi, funda ntoni iFund Trust? ukufumana ezinye zeemeko eziqhelekileyo ezisetyenzisiweyo kumaphepha e-fund trust.