Ukuhlawula ifa kwiiNgcaciso zabancinci

IiAkhawunti ezithinteleyo kunye neeTrasti

Xa ugqiba ngubani ofuna ukuzuza ilifa lakho emva kokufa, ngaphandle kokucingisisa ukuba ngubani oya kufumana oko, uya kulufuna ukucacisa ukuba kwaye uza kuyifumana njani kwaye nini. Ukuba isicwangciso sakho siza kubandakanya omnye okanye abaninzi abaxhamli-ncinane , ngokusemthethweni abanakudla ilifa lempahla, ngoko nayiphi na into eshiywe ngqo kunye ngqo ngqo nomncinci iya kugqiba ekugcinweni komgcini ogcinwe yinkantolo okanye ukugcinwa kweengxelo okanye kwi-akhawunti ekhutshwe njengoko iyalwe yigwetha kunye nomthetho.

Ngaloo ndlela, kuyakufuneka ucwangcise ngononophelo umcebisi omncinane ngokukhetha enye yeendlela ezikhethiweyo: ukushiya ilifa labo kwiakhawunti ekhuselekile, ukushiya kwiinqanaba, okanye ukushiya kwithemba lokuphila.

Ukushiya iiAfa kwiAkhawunti ekhawulelwe

Ukuba imali oya kuyo encinci ayibalulekanga, ngoko ke into elula ukuyenza kukuba uqondise ukuba ilifa lemali ligcinwe kwi-akhawunti ekhutshelwe ngenjongo yokuba incinci ibe ngumntu omdala. Iingxelo ezikhawulelwe ziquka abo basungulwe phantsi kweSizwe esifanelekileyo UkuTshintshiselwa koMthetho ukuya kuMncinci weMithetho (okanye i- akhawunti ye-UTMA ) okanye iSiqhelo esifana neSipho seMvana (okanye i- akhawunti ye-UGMA ). Ezi ntlobo zee-akhawunti zingasetyenziselwa ukubonelela ngempilo, imfundo kunye nokugcinwa kweyona nto encinci, kuze kube yilapho ifikelela kwiminyaka eyi-18 okanye ye-21 (ubudala apho i-akhawunti kufuneka ipheliswe ngayo kuxhomekeke kumthetho welizwe osebenzayo). Olunye uhlobo lwe-akhawunti ekhawulelweyo engasungulwa yi-akhawunti ye-529 , ekufuneka isetyenziswe ukuhlawula imfundo yekholeji encinane.

Ingqwalasela esemqoka yokusebenzisa i-akhawunti ye-UTMA okanye ye-UGMA kukuba umxhamli uya kufumana okushiywe kwi-akhawunti ngokuthe ngqo kwaye engenakho imida ehlanganisiweyo eneminyaka eyi-18 okanye kwe-21. Ngaloo ndlela, ezi ntlobo ze-akhawunti kufuneka zisetyenziselwe ifa elincinci.

I-drawback eyintloko yokusebenzisa isicwangciso se-529 kukuba ilifa kufuneka lisetyenziswe ukuhlawula imfundo yomxhamli.

Ngaloo ndlela, ukuba umxhamli uya kugqiba ekubeni angayi ekholeji, ngoko icebo le-529 liya kufuneka liye kwelinye inzuzo.

Ukushiya iiAfa kwiSiteji

Enye inxaxheba kukubamba ilifa elincinci lomzuzwana ekuthembeni kunye nokuhlawula umxhamli omnye okanye ngaphezulu kwemali kwisigaba - ngamanye amagama xa umzuzwana efikelela kwiminyaka ethile okanye aphumeze injongo ethile, ngoko baya kufumana ukusabalalisa kwelifa labo .

Ngokomzekelo, unokuhlawula umxhamli we-50% welifa labo xa befikelela kwiminyaka engama-25 kwaye ke ibhalansi ye-30, okanye i-50% xa ifumana i-degree degree kunye ne-balance xa igqibile isikolo. Okwangoku, ipropati ebanjwe kwi-trust's beneficiary trust can be used by Trustee ukuba ihlawule umqeqeshi wekholeji okanye imfundo yeemviwo, iibhilikhwe zezobisi, okanye izindlu kunye nezinye iintsuku iintsuku.

Nangona kunjalo, xa umxhamli efumana isamba semali ngokuthe ngqo kwaye engenakho ukuthembela, loo propati iya kuba yintsholongwane yokuqhawula umtshato, izigwebo, kunye nezigqibo ezimbi. Ezinye izithintelo zokusebenzisa i-trust ethembisekileyo ziquka iindleko ezongeziweyo zokubamba iingxelo kunye neengcebiso zomthetho ngexesha lexesha lokuthembana kunye nentlawulo leyo iTrasti iya kuba nelungelo lokufumana iinkonzo ezinikezelwa ngexesha lolawulo lwethemba.

Ngaloo ndlela, xa sicinga ukusetyenziswa kwetrasti ephazamisekileyo ukuze kuzuze umxhamli omncinci, inani lelifa kufuneka lilinganiswe ngeendleko kunye neendleko ezihambelana nokulawula i-trust.

Ukushiya iiAfa kwi-Lifetime Trust

Inketho yokugqibela kukuba ushiye ifa lomzuzwana omncinci kwithemba lokuphila kwabo bonke. Kukho iintlobo ezininzi zokukhetha olu khetho:

• Iimpahla ezigcinwe kwi-trust ziyakhuselwa xa umzuzi-mntu eba ngumntu omdala ekuqhawuleni umtshato , amacala okugweba, kwaye, ukuba umntu waseTrasti usetyenzisiweyo, emva koko kwiingcebiso ezimbi kunye neziphumo zangaphandle.
• Ukuba kukho nantoni na esele kwithemba xa umzuzi efa, unokulawula ukuba ngubani oya kufumana oko kushiywe.
• Ukuba ufuna ukudala ilifa losapho elihlala ixesha elide, unako ukusekela ukuthembela kwexesha lokuphila njengethemba lokukhutshwa kwezahlulo eziza kuthintela irhafu yendawo yokuhlala kwifa lomzuzi kunye neendawo zonke zenzalo yomzuzi.

• Ungasebenzisa iTrasti yomntu wesithathu ngelixa umxhamli uncinci kodwa ke wenze umxhamli wabo iTrasti ngexesha lokucinga ukuba baya kuba noxanduva lokulawula ngokupheleleyo, njengama-25 okanye-35.

Nangona kunjalo, ukungaphumeleli kokusebenzisa i-trusttime lifetime kufana nezo zokusebenzisa iindleko ezongeziweyo zithemba-zongeziweyo kunye neendleko zokunika ingxelo kunye neengcebiso zomthetho kunye nemirhumo yeTrasti . Ngaloo ndlela, xa uqwalasela ukusetyenziswa kwexesha lokuphila, inani lelifa kufuneka lilinganiswe ngeendleko kunye neendleko ezihambelana nokulawulwa kwetrust kunye neenjongo zakho zocwangciso lwexesha elide.