Awukwazi ukukhipha iBell kwaye awukwazi ukuphuma kwi-UTMA
Izithintelo zeAkhawunti zeAkhawunti
Kwiimeko ezininzi, iintsapho zifumanisa, kwiminyaka kamva, ukuba izithintelo ze-akhawunti ye-UTMA ayikho into abayifunayo xa benza isipho kumntwana omncinci. Ngokuqhelekileyo, oku kwenzekayo xa amalungu omndeni okanye abantu abangengabo bentsapho benikezele izitokisi , iibhondi , iimali eziphathekayo , i-estate, amashishini abucala , okanye ezinye iimpahla zezimali kumntwana kwi-akhawunti ye-UTMA uze ufumane ukuba, xa ufinyelela kwiminyaka yemvume ( Uneminyaka engama-21 ubudala kwiinkoliso ezininzi), umntwana akayikukhula ngokwaneleyo ngemali kwaye angasebenzisa kakubi imali ngenxa yokungabi nalwazi nolwazi. Umntwana angenza ukhetho olufana nekholeji yangaphambili ukuba achithe imali kwiqalo lokuqalisa ishishini okanye elinye iqhinga lokucinga elichasene neenjongo zangaphambili zezipho zemali.
Ngenye indlela, mhlawumbi intsapho inenkathazo yezemali, umntwana ongezelelweyo eneemfuno ezizodwa ezifuna izibonelelo ezininzi, okanye abanye abantwana apho bafuna ukwahlula khona impahla.
Ekugqibeleni, abanye abazali mhlawumbi babengayiqondi ngokupheleleyo i-akhawunti xa bekusetyenzwa, kwaye kamva bakufumanisa ubunzima bayo.
Ziziphi iindlela ongakhetha kuzo xa uzifumana kule ndawo? A bambalwa, nangona elowo unesabelo sayo semicimbi. Qhubeka uqaphele ngenxa yokuba unokubangela impembelelo yerhafu, ukuzithobela umgwebo, ngakumbi xa umntu ode naye engavumelani nendlela ophatha ngayo impahla yezingane, okanye ukulimaza ulwalamano lwakho nomntwana xa usebenzisa ii-asethi zabo ngendlela echasene nezifiso zabo .
Isimo soku-1: Umntwana wakho usemncinci kakhulu ukufikelela kwii-asethi ze-UTMA
Kule meko, unethuba lokubandakanyeka kwizinto ezinye iingcali ezibize ngokuthi "indawo." Imali kwi-UTMA ingumntwana, ongatshintshiyo. Nangona kunjalo, umgcini-mvume unalo igunya lokulichitha ukuze inzuzo yomntwana, isebenzise isigwebo sakhe esifanelekileyo.
Ukusebenzisa isicwangciso sokufaka indawo, wena njengomgcini-mgcini unokuqalisa ukusebenzisa imali ye-UTMA kwiindleko oza kuzikhupha ngokuzikhupha ngaphandle kwepokothini kumntwana wakho. Oku kufaka izinto ezifana nokufundiswa kwepiyano, ukuhamba kwesikolo, ukufundisa isikolo okanye ukuphucula izimonkwane ezifana neebhonki. Kubalulekile ukugcina iirekhodi zeendleko xa ufuna ukubonisa ubungqina kamva ukuba ngokwenene babenceda umntwana.
Njalo xa ubhala isheke malunga nee-UTMA iimali oza kuhlawulwa ngazo kwi-akhawunti yakho, bhala isheke exabiso elifanayo kwi- fund ye- flexible fund eyamiselwa kunye nemimiselo oyifunayo. Le miqathango inokufuna ukuba umntwana agcine i-GPA ethile, sebenzisa imali kwiindleko zemfundo kuphela, okanye angenakho ukufikeleleka kude kube ngumhla wokuzalwa kwakhe, ngomzekelo. Qaphela ukuba oku kungakhohlisa ngokusemthethweni; ungadinga ukufakela ukubuyiswa kwentela yesipho xa uthumela imali engaphezu kwama-14,000 kwi-UTMA, phakathi kwezinye izinto.
Iprojekthi ikhuphe iindleko ezihambelana nomntwana kunye nokucwangcisa ukuba iminyaka emininzi iya kuthatha ukuhlawula ibhalansi ye-UTMA ngelixa ukhawuleza ibhalansi yesikhwama esitsha sethemba, okanye esinye isixhobo esinjenge-annuity, Partnership Limited Partnership (FLP) okanye 529 icebo lokulondoloza ikholeji.
Ngokomzekelo, ukuba ukhetha ukusetha i-FLP, wena njengomgcini-mgcini uza kuthatha imali ye-UTMA kwaye uthenge iiyunithi ezibambiseneyo eziza kulawula ngokuthintela umda kwi -FLP yokusebenza kwesivumelwano . Ukuba ukhetha isivumelwano se-annuity, imali oyifakayo kuyo yayiya kuba yintlupheko yeentlawulo ezenzelwe ukugcina ubomi bonke bomntwana.
Inkcazo yesi-2: Umntwana wakho usele elide ukuthabatha indawo yeATMA
Ukuba uthatha isigqibo sokubamba imali kumntwana wakho, mhlawumbi uyichitha kwiimfuno zakho okanye uzama ukuyifihla, umntwana unokugqiba ekubeni akugwebe.
Ngaphantsi kwemiqathango ye-UTMA, imali ye-akhawunti yodwa kumntwana wakho. Iqulethwe ngokungaguqukiyo, intsingiselo yokugqibela, engenako ukuguqulwa, izipho.
Ukuba uyithatha imali, uyenzile ngokusemthethweni kumntwana wakho. Nangona usenokwenza njalo ngeenjongo ezilungileyo, njengabazali abaninzi abenza njalo ngenxa yokukhusela umntwana wabo ekungcoleni imali, ayinandaba. Kwiimeko ezininzi, umntwana akanakuphishekela ibango likarhulumente, kodwa ukuba ulwalamano lwakho nomntwana luya ngaseningizimu, uyazibeka kwizinga elithile lomngcipheko.
Ukuba umntwana angenza ibango elifanelekileyo enkundleni, ukuba uyaphula umthetho wakho ngokumkhawulela kwizinto eziphathekayo, unokuba ude, mhlawumbi ukrakra, ulwe nesinye isiqinisekiso sokuwina. Usenokuba ucele umntanakho ukuba akunike imali kuwe, kodwa xa ephendulela ubudala beninzi, unokutshintsha ingqondo yakhe aze afune ukubuyisela imali.
Unokuthembela ekuthandeni ubuhlobo bakho kwaye usebenzise amandla okukhuthaza. Ukuba unesakhiwo esikhulu okanye ucwangciso ngokuqhubeka nokunika izipho kumntwana, unokucela ukuba batyikitye kwii-asethi zabo ze-UTMA kwiindawo ezinqamlekileyo ezifana ne-FLP okanye i-annuity, kunye ne-caveat ukuba, nisayifumana nayiphi na imali eyongezelelweyo kwiindawo zakho ezinkulu.
Ekugqibeleni, kunokusengqiqweni ukuvumela ukuhamba kwaye uthembele umntwana wakho ngemali, uvumele iichips ziwele apho zikhona. Umntwana wakho unokusebenzisa imali ngokufanelekileyo emva kwakho konke, kwaye ubuyele kuwe kwiminyaka kamva ukukuxelela ukuba kuthetha ukuthini ukubeka ithemba lakho kubo.
I-Balance ayinikezeli irhafu, utyalo-mali, iinkonzo zemali kunye neengcebiso. Ulwazi lwenziwa ngaphandle kokuqwalasela iinjongo zotyalo-mali, ukunyamezela ngengozi okanye imeko zezimali kwanoma yimuphi umtyalo-mali othile kwaye angenakufaneleka kubo bonke abatyalo-mali. Ukusebenza kwangaphambili akubonakali kweziphumo ezizayo. Utyalo-mali luquka ubungozi kubandakanya ukulahlekelwa kwinqununu.