Funda into ekufuneka uyiqwalasele xa ugqiba ngubani oza kulidla ilifa lakho
Nangona kubonakala ngathi kulula ukusebenzisa igama lokuqala eliza engqondweni (iqabane, umntwana okanye umntakwenu) kwifom yokutyunjwa, kufuneka ukwazi i-ramifications kuqala. Nasi isikhokelo kwinto echaphazelekayo.
Basicsary Designation Basics
Iiplani ezininzi zomhlalaphantsi , i- annuities , kunye nemigaqo-nkqubo ye- inshorensi yobomi ikuvumela ukuba unqume oko kufuneka ube yi-asethi yakho xa kwenzeka ukutshabalalisa.
Benza oku ngokukucela ukuba ukhethe abaxhamli.
Abaxhamli abaziintloko (okanye abaxhamli) bafumana ilifa kuqala. Ukuba ngaba bafile okanye ukuba bafa kunye nawe, iimpahla zakho ziya kunoba ziphi na abaxhamli bezondlo ozikhethile. Laba baxhamli bezondlo bahlala kuthiwa ngabaxhamli abanamalungelo kwiifomu zeakhawunti.
Ukukhetha abaxhamli, uya kufuna ukubiza amagama, kwaye kuya kufuneka uqinisekise ukuba yeyiphi ipesenteji yeempahla zakho eya kumntu ngamnye ofumana inzuzo.
Abaxhamli banokubandakanya abo baqala ukufika engqondweni-abatshatileyo, abantwana kunye nezinye izihlobo. Ngaphandle koko, banokuquka abahlobo, amathemba, izibonelelo kunye namaziko.
Qaphela ukuba izikhundla ezixhamliweyo ngokubanzi zisebenza ngokukhawuleza emva kokufa kwaye zigqithise nayiphi na ingcaciso malunga nefa elizuze ngelifa. Oko kuthetha ukuba i-asethi yakho ayinakuze iphumelele ingxaki, ukuqhutyelwa komthetho okungasetyenziswa ixesha kwaye mhlawumbi kubiza kakhulu.
Kodwa oko kuthetha ukuba kufuneka uqinisekise ukuba izikhundla zakho zangoku zifumana iimfuno zakho zakutshanje, kuba ukuthanda kwakho akunakuzigqithisa. Ingqiqo enhle ukuphonononga abaxhamli bakho abaqeshwe njalo ngonyaka, kuzo zonke iakhawunti zakho. Kwakhona kubalulekile ukuhlaziya ulwazi lwakho loxhamli emva kokuba kukho utshintsho olukhulu lobomi njengomtshato, umtshato okanye ukuzalwa komntwana.
Yintoni ekufuneka uyiqwalasele kule nkqubo
Abatshatileyo banokudla ifa lempahla ngaphandle komnye ngaphandle kokuvelisa irhafu yezindlu okanye, kwimeko yeakhawunti yokuthatha umhlalaphantsi, ukunyanzeliswa ukuba kuthathe imali yokuhlawula irhafu. (Ukuba iqabane elizuzayo liye lajika li-70 1/2, imigaqo yokusabalalisa i-akhawunti yomhlala-phantsi isetyenziswe - tshekisha nomcebisi wakho werhafu malunga neenkcukacha, njengoko imithetho iyinkimbinkimbi.)
Ezinye izindlalifa, nangona kunjalo, zinokujamelana nemiphumo ethile.
Ukulayisha izinto ezininzi kwiindlalifa zingenza ukuba ezo ndawo zindlalifa zimele zihlawule irhafu yentlawulo yomhlaba. Ukugcina iindlalifa zakho ezinolwazi ngeenjongo zakho zibavumela ukuba bazicwangcise ngokufanelekileyo.
Zininzi iintlobo zezicwangciso zokuthatha umhlalaphantsi, kubandakanya 401 (k) kunye neendlela ezininzi zeakhawunti yomhlalaphantsi, ziya kubakhokelela abaxhamli bakho ukuba bathathe imali ngoku ngokuhlawula imali kunye nokuhlawula irhafu yengeniso kwimali epheleleyo, okanye bathathe ukwabiwa okufunekayo kwintlawulo ngonyaka kwiimali ezisekelwe kwii-tables zokuhlala kweeNkonzo zobomi beNgeniso. I-Roth IRAs ziyaxolelwa ngenxa yokuba sele uhlawule irhafu ngemali.
Enye indlela yokuphepha iirhafu kwilifa lakho ngokupheleleyo ukukhetha utyando okanye iqela elingenzi nzuzo, njengesiseko seyunivesithi, njengendlalifa yakho. Ukuba wenza njalo, akukho ntlawulo kwi-transfers okanye ekusebenziseni kwemali yakho.
Ukudala iTrust kwaBantwana okanye kwabanye
Abantwana abangaphantsi kolawulo, iqela elinokubandakanya nabani na ukuya kuma-21 kwiindawo ezithile, abakwazi ukufumana ifa elifanelekileyo kwi-annuity, icebo lomhlala phantsi okanye umgaqo-nkqubo we-inshorensi yobomi. Imizekelo yeentlobo ezimbini zeentembelelo ezidalwe ngabantwana okanye abanye ziquka i-trustaryary trust kunye nokuthembela kokuphilisa. Qhagamshelana nommeli, ukuba kunyanzelekile, ukusekela amathenda kubo. Ithemba eliyidalayo ke linokuthiwa igama kwigama lakho labaxhamli.
Ungaphinda ufune ukudala iintembelelo zabaxhamli abanokukhubazeka ngengqondo, ukuba abanako ukujongana nemicimbi yabo. Ezi ntlobo zithemba zidla ngokuba zifuna iimfuno ezizodwa .
Isishwankathelo
Kukho izinto ezininzi ezibalulekileyo zokwenza xa ukhetha abaxhamli kwi-akhawunti yomhlalaphantsi, i-annuity, okanye ipolisi yomshuwalense wobomi.
Qinisekisa ukuba uthatha ixesha lokuphonononga ngokuchanekileyo ukhetho lwakho ukuqinisekisa ukuba izifiso zakho zifikelele kwaye zibancede abathandekayo bakho baphephe ikhanda elizayo.