Ngaba kufuneka ndiqambe igama lam iqabane, abantwana okanye abathembekileyo njengenzuzo ye-IRA?
Xa uvula le meko yee-akhawunti, ugcwalisa ifom yokufumana igama, kwaye isetyenziselwa ukucacisa ukuba imali ekule akhawunti ihanjiswa njani ekufeni kwakho. Nantoni na obeka kuyo umntu onokufumana umxhamli-mali uhamba ngaphezu kokukhwela into enayo kwiminqweno yakho okanye ukuthembela kwakho (ukuba unokholo).
Ukuba awuzalanga ifom yefowuni okanye uyigcwalise ngokungalunganga, ngoko ke amalungiselelo angagqibekanga kwisivumelwano sokugweba iya kugunyazisa ukuba i-IRA yakho iya. Enye yeyona mpazamo enkulu kakhulu eyenziwa kwi-IRA kunye no-401 (k) iakhawunti ayithethi ngokufanelekileyo umxhamli. Ukubiza abaxhamli bakho kubalulekile.
Nazi izinto eziphambili zokuqwalasela xa uqikelela ukuba ngubani ozakubiza ngokuba ngu-IRA oyi-beneficiary .
Iinkqubo zokubiza umlingani njenge-IRA oyiNcedayo
Umlingani wakho ngumntu kuphela onokuyifumana ifa le-IRA kwaye uyiphathe njengokuba i-IRA yabo. Inzuzo kumlingane wakho ukuba ngaba ubizwa ngokuba nguyena oyena mzuzwana onokufumana uxhamla xa usweleka ngendlela abaphatha ngayo i-IRA. Bangayifaka kwi-IRA yabo okanye bayishiye njenge-IRA enefa. Ngokuyishiya njenge-IRA ezuze ilifa, banokuthatha ukuhambisa njengoko kuyimfuneko.
Umnxeba wokubiza umlingani njengo-IRA wakho Umxhamli
Xa iqabane lakho lizuze i-IRA yakho, banokuthiwa ngubani na onokuthandayo njengabaxhamli abalandelayo.
Ukuba unabantwana emtshatweni ongaphambili umxhala ophezulu wokuqamba igama lomlingani kukuba iqabane lingaphinda litshatile kwaye lidlule i-asethi yakho ye-IRA komnye umntu, ushiye abantwana bakho.
Iinkqubo zokubiza igama njengeTrasti njenge-IRA yakho
Ndisoloko ndibona uhlobo oluthile lwe-trust ebizwa ngokuba ngumzuzi we-IRA.
Kuqhelekileyo kwenziwa ukwenzela ukukhusela iifayili ukwenzela ukuba iqabane eliseleyo lingasebenzisa njengoko lifunekayo kodwa aliyi kuba nako ukuguqula umxhamli. Injongo kukuqinisekisa ukuba i-asethi iya kubantwana.
Ukuba ubiza i-trust njengomxhamli we-IRA yakho, i-trust kumele ibhalwe ngendlela ethile ukuba le qhinga liphumelele. Ngokuqhelekileyo ndiyabona oku kwenziwa ngokungalunganga, oku kungabangela iingxaki ezifana nokunyanzelisa i-IRA ukuba ihlawulwe kwixesha elikhawulezileyo kunokuba ngamnye umxhamli unenketho yokuyikhupha ixesha lokuphila.
Abanye abagwebi baya kuqulunqa umzila okhethekileyo IRA ethembela ngenjongo yokulawula nokusabalalisa iAra asethi. Oku kusenokuba isicwangciso esingcono kunokubiza igama elithembekileyo lokuphila.
Umgudu wokubiza igama njengeTrasti yakho ye-IRA
Eyona nto inkulu kakhulu ndiyibonayo ukubiza igama lokuthembela ngenye into ndiyibona ixutyushwa ngokungaqhelekanga. Iingxelo ezininzi ze-IRA azikho ezinkulu. Ukufuna i-trustee ukuba ilungiselele ukulawulwa nokuhanjiswa kwemali ingaba yindleko.
Akunako ukonga ukufuna i-akhawunti encinci ukuba ihlale kwi-trust. Ngaphambi kokubiza i-trust njengomzuzi-nkonzo uxoxe ngobungakanani beakhawunti yakho kunye nommeli wakho kwaye ubone ukuba unokufumana inketho efezekisa iinjongo zakho ngelixa uqikelele ukonga kubaxhamli.
Abanye amagqwetha baya kukwenza uxwebhu olubizwa ngokuba ngumntu oqeshwe ngumntu oza kuxhamla umvuzo onokunika imiyalelo ethe ngqo kunokuba ifomu elixhamliweyo elihambayo elihamba ne-IRA okanye ezinye i-akhawunti yomhlalaphantsi.
Ukubiza abantwana okanye abazukulu njengabaxhamli
Ukuba uthetha abantwana abancinci okanye abazukulu njengabaxhamli ngokuthe ngqo, ngoko kukuthanda kwakho ukubiza umgcini ukulawula imali ngenxa yabo baze bafikelele kwininzi (18 okanye 21 kuxhomekeke kwimeko.)
Ukuba unemfuno ekhethekileyo yomntwana, okanye umntwana omdala ongacingi ukuba ufanele azuze ifa lemali ngqo, unokufisa ukumisela iimfuno ezizodwa ezithembekileyo egameni labo.
Ukuba utshatile kwaye unabantwana abakhulileyo, isisombululo esilula kunye nesoqoqosho sinokuthi igama lakho iqabane lingumxhamli oyintloko kunye nabantwana bakho njengemibandela.