Isingeniso Sokuqala Kwindlela Ukutyalwa Kwemali Egcinwe Kwimisebenzi Yokholo
Ziziphi iintlobo zeeAfa ezingabakhoyo xa utyalo imali egcinwe kwithemba?
Ngaphandle kokuba insimbi yokwethemba - idokethi elawula ukuziphatha kwetrust - ivumela ngokuthe ngqo okanye inqande ukutshala imali ethile, njengomgaqo-jikelele, inkunzi-mali ye-trust fund ingatyalwa kuyo nayiphi na ifom leyo eya kuhambelana nomsebenzi wokugcina umsebenzi we- trust trust yasebhanki okanye omnye umphathiswa uya kuhlawulwa kumxhamli okanye abaxhamli be-trust.
Kwiimeko ezininzi, i-trust ekuqaleni iqukethe impahla eqokelelwa ngumnikezeli-mali / ukuhlala kwiimeko ze-trust vivos okanye, ukuba uthe wafa, i-estate yakhe kwimeko ye-trustamentary trust . Ngokomzekelo, xa umculi, umbhali womculo, umlimi, kunye nomenzi kaMichael Jackson befile, amaninzi amalungelo akhe okushicilela, amalungelo okushicilela, amalungelo omculo, kunye nezinye izakhiwo zengqondo zafakwa ekuthembekeni kubantwana bakhe nentsapho yakhe. Imali engenayo eyenziwe yimpahla kwizinto ezinamathemba kufuneka ivumele abantwana bakhe ukuba bahlale bezimeleyo kwizezimali babo bonke ubomi babo. Ngamanye amaxesha abalimi abatyebileyo bashiya iifama kubathengi kubantwana abaselula ukuba bawusebenze, umphathiswa uqeshe abalimi abaqeshisayo ukuba banakekele umhlaba kwaye bahlanganyele ekuthengiseni isivuno, kunye nezingane ziba nelifa ekufikeleleni kwiminyaka ethile. Kwezinye iimeko, abatyali-zimali okanye abaphathi abaqokelele isikhundla esikhulu kwi- stock chip ye-blue chip bayodlulisela ezinye zezabelo ekuthembeleni amalungu omndeni, ezivumela ukuba baphile kwi- dividend engenayo .
Kwezinye iimeko, zonke i-asethi zehlabathi ezishiywe emva kwendawo yokuhlala zithengiswa ngokuthe ngqo okanye zifakwe kwisitishi ukwenzela ukuba imali ingeniswe imali kwi-portfoliyo eyahlukeneyo yamasheya , amabhondi kunye / okanye i- real estate . Akunjalo ngokuqhelekileyo ukulawula umdla kwishishini elizimeleyo, njengesityalo sokwenza izinto, ukuba kubanjwe ekuthenjweni kwimeko yabashishini abafuna ukuqinisekisa ukuba abatshatileyo okanye abantwana abangenamntwana, abangabandakanyekanga kwinkampani, bakwazi ukuhlala kwiziqhamo zomsebenzi wabo ngaphandle kokuboleka izabelo zabo, apho imeko i- spendthrift trust ingakumbi.
Ukuba ubeka i-fund trust, i-criteria yokutshala imali oza kubeka kuyo ubuncwane obanikezelayo iya kuxhomekeka kwiimeko ezininzi. Umzekelo:
- Ngaba uceba ukuba nethemba ligcine zonke izabelo zalo , inzala, kunye nenzuzo yengeniso kwiminyaka emininzi, mhlawumbi namashumi eminyaka? Oku kuqhelekileyo xa umntwana esincinci kwaye awufuni ukuba ukuhlawula kuqalwe kude kube ngumva. Ukuba kunjalo, uya kufuna ukutyalomali imali egcinwe ekuthetheni ngendlela eyanciphisa irhafu kuba i-trust trust iyaziwa njengeirhafu zerhafu. Okokuthi, akuthathi kuthintela ukufikelela kwibhakethi yentela ephezulu. Oku kungabandakanya ukubeka phambili ubunikazi beempahla ezingabhataleli izabelo okanye iibhondi zikamasipala ezingenaspala .
- Ngaba ucwangcisa ekukhuliseni ukusabalalisa kwindlela efanelekileyo yokwenza irhafu? Ukuba ummkeleli usebhankini yerhafu ephantsi, kunokuba bubulumko ukubeka phambili ubunikazi beempahla eziphakamileyo ezihlawulayo njengoko umxhamli angahlawulwa kwiirhafu zerhafu ngokuxhomekeke kwimbuyekezo yakhe yengeniso yekhaya kwiinguqu zentsholongwane yerhafu .
- Ngaba ufuna ukugcina ulawulo lweefayili ethile okanye uhlala kwintsapho, njengefama ekhankanywe ngasentla okanye ishishini lokukhiqiza? Kwimeko enjengale, unokuba ngumphathiswa oqeshwe ukuphatha ukuqhuba i-asethi, ucele umphathiswa ukuba aqokelele nayiphi na ingeniso yemali kwiingxowa-mali. Ndabona imeko enjengale kanye. Umnini-bhankini ophakathi-bude unomcimbi kunye nomqeshwa omncinci. Uthando lomntwana lubangele. Uyise wafa ngoxa umntwana wayesemncinci. Wadlulisela impahla yakhe kwingxowa-mali ye-trust kwaye wahlawula umnyango we-trust yasebhanki wendawo ukuba ubukele imicimbi yakhe de kube yintombi yakhe yokuzalwa eyi-18, ebaxelela ukuba baqokele imali okwangoku ukusuka kuyo nayiphi na into eyahlukileyo ishishini elivelisiweyo. Ngethuba le ntombazana yajika i-18, inokuthi ifundise i-trasti ukuba ithengise ishishini, idibanise imali eyayiyimisele yona, kwaye ihambe kunye nemali, okanye ithathe i-shishini. Oku kwaba nempembelelo yokuqinisekisa imali ehleli kwizandla zomntwana ngelixa umfazi owayenomntu naye, unina womntwana, akakwazanga ukufikelela nakuphi na ubutyebi.
Inkqubo Eyona Nenjongo Yokutsalwa Kwemali Egcinwe KwiTrasti I-Straightforward
Ukuba ubeka i-fund ye-trust, inkqubo eyona nto yokutshala imali egcinwe kwi-trust ayikho nzima. Uya kuyidinga isixhobo sokuthenjwa kunye namaxwebhu abonisa ukudalulwa kwetrust. Ukongezelela, kwiimeko ezininzi, uzakufuna inombolo yokuchongwa kwentela oyifumene kwi-IRS ukulandelela ukufakwa kweerhafu, okufuneka ukuba ifake unyaka ngamnye njengomntu okanye inkampani. Umphathiswa, osebenza egameni lethemba, uvula ibhanki okanye i-akhawunti ye-brokerage kwigama le-trust kwaye usebenzisa i-akhawunti ukuze athenge ipropati. Ngokuxhomekeke kwiinkcukacha ezithile ze-trust, i-trustee inokukwazi ukulawula imali ngokwayo okanye ukukhupha imali-mali kwi-trust kwi-professional qualification, njengomcebisi- mali obhalisiweyo .
Amathemba amancinci mhlawumbi aya kubamba izinto ezifana neengcebiso zezimali okanye ezinye iimali eziphathekayo ngelixa iinkolelo ezinkulu ziza kuba neengxelo ezilawulwa ngabanye ezizityalomali ngqo kwii-securities kunokuba zibe nezakhiwo ezihlanganisiweyo kunye, mhlawumbi, ngaphandle kwesabelo kwiimali ze-equity equity okanye mali .
Ukuze intsapho ithembele, unokuvula i-akhawunti yengxowa-mali kwi- firmware njengeCharles Schwab. Ngokuxhomekeke kwimingcipheko kwisixhobo sokumthemba kunye namaxwebhu, bekuya kubonakala ngathi i-akhawunti yesiqhelo ye-brokerage. Unokuthenga izitokisi. Ingathengwa ngemali. Iyakuthengisa ii-ETF . Ingabamba ii-REIT .
Unokuvula i-akhawunti ye-trust ngokukhawuleza kunye nenkampani yenkxaso-mali efana neVanguard. Iindleko zemali zisebenza ngokupheleleyo kwiimirhumo ze-1.57% kwi-$ 500,000 ethembekileyo etyalo-mali kwi-index ye-index yezimali kunye nezinye iimali. Oku kunengqiqo enkonzweni ukuba ufuna i-trust trust encinane eyenza imali kwi-assets ye-vanilla.
Ukunikezelwa kwayo kuvumelekile, usenokuphuma, sebenzisa i-akhawunti yokujonga i-akhawunti, kwaye ubhale isheke ukuze ufumane ihotele okanye isakhiwo sezindlu, ukuqinisekisa ukuba isihloko sibhaliswe kwi-trust itself. Ngokuqinisekileyo, kuya kwenza ingqiqo ukwenza iqumrhu elincinci lokufumana iipropati kunokufumana i-trust yeeyunithi ze-LLC kodwa ingxoxo eyahlukileyo kwimihla eyahlukileyo.
Ingongoma, ukutshala imali kwi-trust akufani nakakhulu kunokuba utyalo nawuphi na uhlobo lwemali ngaphandle kokuba uthetha ngeengxaki zokwabiwa kweefa , ukwenza izigqibo malunga nexesha leemarike, ukuthengwa ngendlela echanekileyo, okanye ukuthengwa kwexabiso, ngokuqinisekisa ulwahlulo oluninzi, kwaye ugxininise ekusebenzeni kerhafu. Isibalulekileyo kukuqinisekisa ukuba awuyi kuqhubela phambili kwimimiselo engasetyenzwa kwiimpahla zokwethemba.