Indlela Yokukhusela Abaxhamli Bakho kuBawo, Ababolekisi, kunye Nesehlukaniso
Xa uhlola iindlela ozikhethayo zokudlulisela ipropati yakho kubaxhamli bakho emva kokufa kwakho, unokucinga ukuba ubambe ipropati ngexesha lokuphila elilodwa lokuzimela elithembekileyo ngalinye. Ngoba? Kungenxa yokuba iya kubonelela ngokukhusela i-asethi ngokudala umqobo wezomthetho phakathi kwepropathi ephetheyo kunye nabaxhasi bemboleko okanye xa ehlukana.
Ukukhusela i-Asset ngokusebenzisa i-Discretionary Lifetime Trust for Beneoraries Beneficiaries
Ukuba nabani na abaxhamli bakho banabantwana, i- trust iya kuba yimfuneko ukuba ufuna ukugcina ifa labo ngaphandle kwenkqubo yokulawulwa kwenkqubo yokugcina umgcini okanye ukugcinwa kwempahla yokugcina .
Abancinci abakwazi ukulawula ngokomthetho ipropati yabo okanye i-akhawunti, ngoko umntu omdala makenze oko. Ukuba unganikezeli abaxhamli bakho abancinci kwisicwangciso sakho sezindlu, inkundla iya kumisela umntu ukuba awalondoloze ifa labo kuze kube yilapho efika. Inkolelo yokuqonda iyakwenza oku.
Abazali abaninzi kunye nootatomkhulu bakhetha ukuphelisa intembelo encinane kwithuba elide, njengama-25 okanye -30-ixesha apho bakholwa ukuba umntwana uya kuba okhulileyo ngokwaneleyo ukutyalo, ukuchitha nokulawula lakhe ilifa. Ithemba lipheliswa ngokusasaza i-asethi eseleyo ngqo kumxhamli xa efikelela kwixesha elichaziweyo. Kule ngongoma, ixabiso libhekwa njengeliso lepropati yalo kwaye zizithobela ngokuzenzekelayo ibango labathengi, ukuba zikhona na, kubandakanywa nabanikazi bemigweba. Baye bathathaka kumlingane kwiinkqubo zomtshato.
Kodwa unokuqhubeka nokuthembela ngenzuzo yomntu ofumana inzuzo ngexesha lokuphila kwakhe konke; akukho mgaqo othi ufanele uphelise kwiminyaka ethile.
Ukuba ibhalwe ngendlela eyiyo, ukukholelwa kwexesha lokuphila ngokubaluleka kunokudala umqobo wokukhusela impahla phakathi kwabaxhamli kunye nabaxhamli bemboleko njengoko umzuzi-nzuzo ekhula. Ukuba umxhamli uxanduva okanye uyatshata aze aphumelele umtshato, impahla egcinwe kwisigqibo sokuphila esithembekileyo ihlale ikhona ngenxa yenzuzo yakhe nakwiipokethi zabathengi kunye neqabane lakhe kuba engenazo izakhono zabo-i-trust it does.
Ukukhusela i-Asset Ukusebenzisa i-Lifetime Trusts kubaxhamli be-Adult Beneficiaries
Ungakwazi kwakhona ukumisela ixesha lokuphila elithembekileyo lokuncedisa inzuzo yomntu onokufumana umntu omdala, nokuba lakho iqabane. Unokucinga ukuba wenze njalo ngenxa yezizathu ezifanayo owadala enye yokukhusela i-aseset-timetime kubakweleta, izigwebo kunye nokuqhawula umtshato. Iingxowa ze-AB okanye i- ABC Trusts zenziwe zidibanise ukubandakanya ukukhuselwa kwempahla kwiqabane lakho.
Ngamanye amaxesha Kuphela nje
Ngaphandle kwezi ngcamango, oku kuthemba ukuba kunengqondo kubaxhamli abathile. Ukuba usuvele uyazi ukuba umzuzi omdala ongeyilungele ukulawula imali yakhe kwaye uxhalabele ukuba uya kuchitha ifa lakhe kwizinto zokugqoka, iimoto, kunye neeholide ngexesha lokurekhoda, ukukholelwa kwexesha lokuphila elingabonakaliyo lingaqulunqwa ukuba lingakhuseli nje ngaphandle iimpembelelo kodwa kuye ngokwakhe. Iyakwazi ukulondoloza ilifa lakhe kwizigqibo ezimbi okanye ukusetyenziswa kwemigudu eyingozi.