Uhlobo olukhethekileyo lweTrasti eLawulayo ye-IRA yakho

Yenza ilifa elihlala njalo kwi-IRA yakho

Ukuba ubamba impahla ebonakalayo kwi-akhawunti eyodwa okanye ngaphezulu, ungase ufune ukucwangcisa uhlobo olukhethekileyo lokuthembela kokuphila okuthembekileyo okulungiselelwe ukuba ube ngumzuzi we-IRAs emva kokufa kwakho. Olu hlobo lokuthembela lubhekiswe ngamagama ambalwa ahlukeneyo, kubandakanywa i-IRA Trust, i-IRA Living Trust, i-IRA Inheritor's Trust, i- IRA Stretch Trust , i-IRA Stherch Trust, okanye i-IRA Inheritance Trust, okanye i-Standalone Retirement Trust.

U-IRA uthemba njani?

IRA Trust iyona hlobo olukhethekileyo lokuphila okuthembekileyo okukhokelwayo eyenzelwe injongo yodwa yokubamba i-akhawunti yakho ye-IRA ngenzuzo yabathandekayo bakho emva kokufa kwakho. Unako ukuseka ii-subtrusts ezahlukileyo kwi-IRA isivumelwano sokuthembela ngenzuzo yabaxhamli bakho, kubandakanye neqabane lakho ukuba utshatile. Unokuyila ukuzithemba ngalunye ukulungelelanisa iimfuno ezizodwa zomxhamli ngamnye.

Umzekelo, unokwenza isigqibo sokuba uncedo oluncinane olufunekayo ngaphakathi kwe-IRA ithemba, oku kuthetha ukuba imali ingasetyenziselwa kuphela inzuzo yomzuzi-mali njengoko kuqinisekiswe kwinqanaba le-trustee. Oku kudla ngokuba yi-trust accumulation. Okanye unako ukufumana iimfuno ezincinane ezifunekayo ezihlawulwa kumxhamli ngexesha lothemba lithengiswa ngalunye. Olu hlobo lulungiselelo lubhekiswa njengendlela yamathenda .

Ukuba ufuna ukudala ilifa lentsapho yakho, i-subtrusts eyasungulwa kwisivumelwano se-IRA esithembekileyo singasetyenzwa njengokuba ubukhosi bemihla yokuphila bukholose kangangokuba baya kuqhubeka iminyaka emininzi kwixesha elizayo.

Ekugqibeleni, ekubeni i-IRA ithembela yithemba elithembayo , unokutshintsha imiqathango nayiphi nayiphi na into okanye i-subtrusts nanini na ngaphambi kokufa kwakho.

Ukubiza igama le-IRA Yithemba njengoMxhamli we-IRA zakho

Awukwazi ukubiza igama elithi " John Doe IRA Trust " nje ngokuba ngumxhamli we-IRAs yakho. Oku akuyi kuvumela i-IRA yakho ithemba ukuba isebenze njengoko kucwangcisiwe ngenxa yokuba ukuthembela kwakho akusiyo umzuzi.

Abathandekayo bakho baxhamli. Ithemba liqokelela nje kwaye, ngezinye iimeko, libaphethe iakhawunti emva kokufa kwakho.

Kunoko, i-subtrusts eyahlukeneyo esekelwe kwisivumelwano sakho se-IRA esithembekileyo kufuneka ichongwe ngokuthe ngqo kwifom yefayile nganye yoluhlu lwabaxhamli-mali njengomceli-mali oyintloko, oncedisayo okanye obabini. Oku kuya kuqinisekisa ukuba i-asethi egcinwe kwi-IRAs iya kuhanjiswa kubaxhamli bakho phantsi kwemiqathango yecandelo elincinci elithile eliyilungule inzuzo yazo.

Ukufumana ulwazi oluthe xaxa malunga ne-IRA Trusts, bhekisa kwiiNzuzo ziphi i-IRA Trust?

QAPHELA: Imithetho ingahluka kancinci ukusuka kwiphondo ukuya kwilizwe kwaye inokutshintsha rhoqo. Le ngcaciso ingahle ingabonakali utshintsho lwangoku kwimithetho. Ngengcebiso yezomthetho yangoku, nceda uqhagamshelane nommeli wengingqi. Ingcaciso equlethwe kule nqaku ayikho isiluleko sezomthetho kwaye ayifaki indawo yeengcebiso zomthetho.