Izinto ezisisiseko zokuSebenzisa iNgxowa-mali yokuThumela ukuKhusela nokuLondoloza ubutyebi
Yintoni iFund Trust?
I-fund ye-trust iyinto ekhethekileyo yequmrhu elisemthethweni elithatha impahla ukuze incede omnye umntu, iqela okanye inhlangano. Kukho iintlobo ezahlukeneyo zemali yokuthembela. Kukho iinkqubo ezahlukeneyo zokuxhaswa kweengxowa-mali eziguqula indlela abasebenza ngayo. Ngokuqhelekileyo, kukho imibutho emithathu echaphazelekayo kuyo yonke imali ye-trust:
- Umniki-mali: Lo ngumntu osungula i-fund ye-trust, unika ipropati (njengemali, izitokisi , iibhondi , i- real estate , i- joint funds , ubugcisa, ishishini langasese, okanye nayiphi na into ebalulekileyo) kwingxowa-mali, kwaye ngubani osenza isigqibo imiqathango ekufuneka ilawulwe ngayo.
- Umxhamli: Lo ngumntu onikwe i-trust trust. Kujoliswe ukuba i-asethi kwi-trust, nangona engekho yoxhamli- mali , iya kulawulwa ngendlela eya kumnceda, njengemiyalelo ethile kunye nemithetho ebekwe ngumniki-mali xa i-fund trust ithe yadalwa.
- I-Trasti: I- trustee , enokuba ngumntu oyedwa, iziko (njengesebe lokuthembela kwebhanki elimisela omnye wabasebenzi balo uxanduva), okanye abacebisi abaninzi abathembekileyo, luxanduva lokujongana nokuba i-fund trust igcina imisebenzi yayo zibekiwe kumaxwebhu athembekileyo kunye nomthetho osebenzayo. I-trustee ihlala ihlawula umrhumo omncinci wokulawula. Amanye amathemba anikezela uxanduva lokulawula i-asethi ye-trust kwi-trustee, ngelixa abanye badinga i-trustee ukuba bakhethe abacebisi abacebileyo bokutshala imali.
I-Fund Trust Trust
Imali yeTrust yinto ebalulekileyo yokufumana ubomi obunikwe ngumthetho-mthetho wombuso welizwe apho kuthelwa khona ithemba. Amanye amazwe anenzuzo ngaphezu kwabanye kuxhomekeke kwinto enikezelwa ngumniki-mali ukuba azame ukufezekisa, kungenxa yoko kubaluleke kakhulu ukuba usebenze kunye negqwetha elifanelekileyo xa ubhala amaxwebhu akho e-trust trust. Ezinye iindawo zivumela ukuba kuthiwa zikholo, ezingapheli ngonaphakade, ngelixa ezinye ziyakwenqabela amabandla anjalo ngenxa yokwesaba ukudala elinye iqela elisezantsi eliza kubangela ukuba izizukulwana ezizayo zizuze ubuninzi bezobutyebi abazuze bazuza. Elinye lamalungiselelo athandwayo kakhulu afakwa kwiimali zetrust yiloo nto ebizwa ngokuba yi "passthrift" . Kucacisiwe nje, oko kuthetha ukuthini ukuba umzuzi akakwazi ukumbambisa ixabiso le-trust, okanye adibanise kuzo, ukuba anelise amatyala akhe. Oku kunokwenza kube nzima ukuxhamla ukuba bazifumane behluphekile emva kokuba benze iitalato ezinkulu. Ngoba? Khawucinge nje ukuba umxhamli wenza ibhetti enkulu kwi-table roulette, elahlekile, kwaye akazange akwazi ukubuyisa ityala. I-casino mhlawumbi ayiyi kukwazi ukuthintela inqununu yesikhwama senkokhelo xa ihamba ukuqokelela imali efunekayo kubo. Yindlela yokubazali abachaphazelekayo ukuba baqinisekise ukuba abantwana babo abangenakukhathazeka abapheli bengenamakhaya okanye baqhekeza, kungakhathaliseki ukuba zingaphi iinqununu zabo izigqibo zobomi.
Kutheni ukuba, okanye abanye abaTyalo-mali, baqwalasele ukusebenzisa i-Trust Trust?
Ukongezelela kokukhusela umboleki-mali, kukho izizathu ezininzi zokuxhasa imali:
- Ukuba ungathembeli amalungu akho entsapho ukuba alandele ileta yeenjongo zakho emva kokudlulayo kwakho, i-fund ye-trust kunye ne-trustee ozimele ozimeleyo inokukwazi ukunciphisa ukwesaba kwakho. Ngokomzekelo, ukuba ufuna ukuqinisekisa ukuba abantwana bakho kwimtshato yokuqala bazuza ilifa lekhefu elimele ukuba libelwane phakathi kwabo, ungasebenzisa i-fund trust ukwenza loo nto.
- Kukho iingeniso zerhafu ezibalulekileyo ezinokufezekiswa xa usebenzisa imali ye-trust. Ukumisela into ebizwa ngokuba yi- Charitable Annuity Trust okanye i-Charity Resema Trust ingenza kube lula ukukhusela amawaka, okanye izigidi zeedola kwiirhafu, ngelixa ufumana inzuzo yakho yothando.
- Imali yeTrasti ingasetyenzwa ngendlela ephakamisa ii-passespasses zeerhafu ukuze ufumane imali engaphezulu kwizizukulwana ezininzi ngaphezulu komthi wentsapho.
- Oogogo noomkhulu bahlala bebeka imali yokumthemba abazukulu babo, ejoliswe ukuhlawula iindleko zemfundo. Xa abazukulu baphumelela, nayiphi na inqununu eyongezelelweyo isasazwa njengemali yokuqalisa engayisebenzisela ukuseka ubomi babo bekholeji.
- Imali yeTrasti inokukhusela ixabiso eliyithandayo, njengeshishini lentsapho, kubaxhamli bakho. Cinga ukuba unomveliso we-ice cream kwaye uzive unyanisekile kubasebenzi bakho. Ufuna ukuba ishishini liqhubeke liphumelele kwaye liqhutywe ngabantu abasebenza kuyo, kodwa ufuna ukuba inzuzo ihambe kwinyana yakho, enenkinga yokulutha. Ngokusebenzisa i-fund trust, kwaye uvumele umphathiswa ukuba abe noxanduva lokujongamela ulawulo, unokufezekisa oku. Indodana yakho yayiya kufumana iinjongo zemali zoshishino kodwa akayi kuba naso xa eqhuba.
- Kukho iindlela ezithakazelisayo zokudlulisa imali ephezulu ngokusebenzisa i-fund trust, kuquka ukusekwa kwetrust encinci ethenga umgaqo-nkqubo we-inshorensi yobomi kumniki-mali. Xa umniki-mali unqumla, inzuzo yomshuwalense isasazwa kwi-trust. Le mali isetyenziselwa ukufumana utyalo-mali olwenza igalelo, inzala kunye neendleko zomntu onokufumana umxhamli.
Nceda uhlale ukhumbule ukuba, ngelixa ndiyathemba ukuba luncedo, le ngcaciso emfutshane yeengxowa-mali zokuthembela. Ukuze ufunde kabanzi, ndincoma ukufunda iNcwadi epheleleyo yeTrasti , enika uluhlu olubanzi lwemali e-60 eyahlukeneyo yemali yokuthembela kunye nezizathu ezenziwa ngasinye. Nceda uqaphele ukuba ingaba ingxowa-mali ye-trust iyayifaneleka imeko yakho iya kuxhomekeka kwiimeko zakho ezizodwa, oko ufuna ukukufeza, kwanemithetho yendawo ethile. Kubaluleke kakhulu ukuba uxoxe ngeemfuno zakho kunye nommeli othembekileyo ofanelekileyo, umgcini-akhawunti wakho, kunye nequmrhu lakho leengcebiso zokutshala imali .
I-Balance ayinikezeli irhafu, utyalo-mali, iinkonzo zemali kunye neengcebiso. Ulwazi lwenziwa ngaphandle kokuqwalasela iinjongo zotyalo-mali, ukunyamezela, 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.