Iingcamango Zokugwema
Enye impazamo eyenziwa ngokuphindaphindiweyo yakha iethemba ezincedisayo ezingenakufanelekela ukunqunyulwa kwentlawulo yerhafu. Umzekelo, i-trust isetyenziselwe inzuzo yeqabane okanye umntwana, intsalela iya kwi-charity.
Ifa lomniki-mali linelungelo lokunciphisa inzuzo ukuba, kwaye kuphela ukuba, ukuthembela kuyintsimi ye-unitrust yokuncedisa okanye i-annuity trust. Ezi zombini iintlobo zeetrasti zichaneke kakhulu, iimfuno zobugcisa. Kukho igumbi elincinane lokubumba ekuqulunqeni oku kuthemba. Ifomula esemthethweni kufuneka ilandelwe ngqo. Ngokuqhelekileyo ummeli woqulunqo, mhlawumbi ngokugxininiswa komxhasi, uzama ukufaka iintsimbi kunye nemisongo aze alahlekelwe ukuxothwa .
Iingcamango zokuqulunqa ezi ntlobo zithemba ziqhelekile kangangokuba i- IRS ineenkqubo ezikhethekileyo zokuguqula oku kuthemba emva kokufa kwesigwebo. Nangona kulungiswa ngokungafanelekanga, kusekho ithuba lokulungisa i-trust ngokusebenzisa inkqubo yokuguqula inkundla kunye nokuthobela izikhokelo ze-IRS. Akunabo bonke abathembekileyo abanamathemba abaya kufanelekela ukulungiswa, kodwa baninzi baya. Inyaniso yokuba inkqubo evunyiweyo ye-IRS ikhona yokuguqulwa kuyinto engavamile.
I-IRS ayidla ngokuphuma kwindlela yayo ukunceda abakhokheli ukulungisa iimpazamo, ngokukodwa xa ukulungiswa kuthetha ityala lentlawulo encinci. Umgaqo-nkqubo woluntu ogqithiseleyo ekunikeni ukuzinikela okuncedo kusebenza apha.
Umzekelo wempembelelo ekwenzeni enye yezi themba zivela kwisiphaluka se-9 (ewe, yi-California).
Indoda yayiquka ukuthembela kwintando yakhe eyanikela umvuzo wonyaka kumfazi wayo ubomi bakhe ukuba uyaphila kuye kwaye intsalela iya kwintando. Akukho ngxaki apho. Emva koko wagqiba ekubeni angamkhwelisa ixesha elide ukwenzela ukuba umthamo wokutya uthengise kwixabiso lokuhlawula, ngoko ke wagqiba ekubeni atshintshe intlawulo rhoqo ngonyaka ukwenzela ukunyuka kwamaxabiso. Kubonakala kungenakubungozi, akunjalo? Kodwa ukuguqulwa kwexabiso lokunyuka kwamaxabiso akuvumelekanga kwizinto zokuhlala ezithembekileyo.
Iintlawulo-mali eziHlomelo
Ithemba lingabhalwa ngokuhlawulelwa kwexabiso lokunyuka kwamaxabiso, kodwa ungakhangeli ukuchithwa kwenzelwe inzuzo yokunceda. Kule meko, iSansone ngokumelene ne-US , ummangalelwa wenza ingxelo yokubuyiswa kwentela ethatha inzuzo yokuncitshiswa. Ithemba lonke likwabelwana ngumlingane osasalayo kunye nothando. Kukho ukuncitshiswa okungenamkhawulo kwipropati ehambayo kumlingane ohlala kunye kunye noxhasano, kodwa kwimeko nganye, kuphela ukuba umhlaba lowo unelungelo lokuncitshiswa .
Ukuxothwa kwabancediyo kubanjwe ngenxa yokuba inani lemali ezayo kwiqabane lingenakunqunywa ngenxa yokulungiswa kwexabiso lentengo. Akuzange ihlangabezane neemfuno zentsali yokuhlala ethembekileyo. Ubunikazi, belahlekelwe ukuxothwa kwezinto ezincedisayo, ngoko ke bekuqiqa ukuba akuyi kubakho irhafu kuba loo propati iya kudlulela kumlingane osasalayo, kwaye isibonelelo esifanelekileyo.
Iphosakele kwakhona. Ukuncitshiswa komtshato kwafumaneka kuphela kwixabiso lemali echaziweyo. Ukulungiswa kwexabiso lokunyuka kwamaxabiso akunakunqunyulwa kwaye, ngoko, akufanelekeli ukutsalwa komtshato.
Umhlawuli-ntlawulo ubhenela kwiNkundla yeSiNye yeSibheno seNkundla yeZibheno kwaye i-IRS yabuya kwakhona. Inkundla yathi imimiselo ebandakanya ukutsalwa komtshato yayilungileyo, kwaye inzala eseleyo kwi-trust ayizange ifanelekele ukuxothwa kwabancedo ngenxa yokuba yayingenayo inzuzo yokuncedisa i-annuity trust okanye i-unit relief unit unitrust.
Yeyiphumo elimangalisayo! Nantsi ithemba lithembeke ngokupheleleyo kumlingane osasalayo kunye nothando (zombini ngokuqhelekileyo ayinakho ukuhlawulwa kwentlawulo) ephantsi kwentela yefa. (Ingaba ungatsho ukungasebenzi?)
Intsalela yokuncedisa inzuzo idinga ukuba inkokhelo kwi-non-charity ibhalwe njengemali echanekileyo yonyaka (i-CRAT ) okanye ipesenti echanekileyo yexabiso lokumthemba njengoko ichongiwe ngonyaka (i-CRUT) .
Ezi ziindlela eziphela zendlela intsalela yokuncedisa inzuzo inokufumana ilungelo lokunciphisa inzuzo. Uhlobo olulodwa kuphela kukuba iintlawulo zinokuthi zingagqithiselwa kwingeniso yangoku, nokuba kunye okanye ngaphandle kokubonelela ngeempomfa eziza kwenziwa kwiminyaka elandelayo xa imali ingenayo ngaphezu kwenkokhelo yonyaka.
Nangona kuvunyelwe ukuba kufake ukulungiswa kwexabiso lentengo kwiintlawulo zentembeko, olo lungiselelo lugxotha nayiphi na inzuzo yokuncitshiswa, kunye nezixa ezongezelelweyo ezihlawulwayo kwiminyaka emlandelanayo azifanelanga ukutsalwa komtshato.
I-IRS ikhuphe imimiselo ehlaziyiweyo kwiingxenye ezifanelekileyo zomthetho. Enye yeenguqu yile migqa ye-CRAT ne-CRUT ifakiwe. Xa umgaqo upapashwa uthi, "khangela, ungagcina iirhafu ngale ndlela, kwaye nantsi indlela yokwenza ngayo," iimpazamo zibonakala zihlahla kakhulu.