Indlela Yokukhusela Abaxhamli be-IRA Yakho kwaye Yakha Ifa
Ukuba unempahla ebalulekileyo kwi-IRA, kufuneka uqikelele ukuseta uhlobo olukhethekileyo lokuthembela kokuphila okuthethiweyo okulungiselelwe ukuba ube ngumxhamli we-IRA yakho emva kokufa kwakho.
Olu hlobo lokuthembela luhanjiswa ngamagama amaninzi ahlukeneyo, kuquka i- IRA Trust , i- IRA Living Trust , IRA Inheritor's Trust , i- IRA Stretch Trust , i- IRA Inheritance Trust okanye i- Standalone Retirement Trust .
Ngezantsi uzakufumana ulwazi malunga nazo zonke iinjongo i-IRA Trust inokunikela kuzo kubaxhamli bakho, kubandakanye neqabane lakho ukuba utshatile.
Ukubonelela ngeeMpahla kunye nezinye iziKhuseli kwabaNcedo bakho
Ngokubanzi, ii-IRAs zikhuselwe kumabango ababolekiweyo malunga nomnini-akhawunti ye-IRA ngelixa ehlala. Nangona kunjalo, xa umnini-akhawunti we-IRA efa kwaye i-IRA asethi ifumaneka kwisandla somntu oyifumanayo, kwiinkalo ezininzi ze-IRA iimpahla ziya kulahleka imeko yazo ekhuselekile (bona iSinqumo se-SCOTUS senza i-IRAs izuze iimfuno zamabango-mboleko ngolwazi olungaphezulu).
Ngakolunye uhlangothi, i-IRA asethi ehamba kwi-subtrust eyenzelwe ngenzuzo yomntu oyifumanayo phantsi kwemiqathango ye-IRA Trust iya kukhuselwa kubabolekisi, izidlo, izigwebo kunye nokuqhawula umtshato xa nje imali ihlala ngaphakathi kwi-trust. kuhanjiswa kuphela kwi- Trustee .
Oku kuya kuqinisekisa ukuba impahla ye-IRA iya kuhlala ihambelana nokusetyenziswa kunye nenzuzo yomxhamli xa kwenzeka ukuba iifayile ezixhamliweyo zifake i-bankruptcy, zitshutshwe okanye zitshatile ize zatshatile.
Ukongeza, i-IRA Trust iya kukhusela umxhamli kwizigqibo zakhe ezimbi, imikhuba yokuchitha ngokweqile, ukungenalwazi ngokutyalo-mali, nokugqithisa abafazi.
Ekugqibeleni, ukuba ufuna ukufumana uncedo olukhethekileyo ngumxhamli we-IRA yakho, ngoko-ntembelo eyenzelwe umxhamli ingacwangciswa ngokukodwa njengemfuno ezizodwa ezithembekileyo eziya kuqinisekisa ukuba umxhamli uyaqhubeka nokufumana uncedo lukaRhulumente.
Ukudala Ilifa Kwintsapho Yakho
Ukuba i-IRA yakho ishiywe ngqo kubaxhamli bakho ngaphandle kwetrasti, abaxhamli bakho banokukhawuleza ukuhlawulwa i-IRA yakho kwaye bachithe imali njengoko babona kufanelekile. Kwenzeka ntoni ukuba umxhamli ukhetha olu khetho? Akunjalo nje kuphela ukululalwa kweemfuno ezisisiseko ezifunekayo , okanye ii-RMD, ngaphezu komhlala-mali ohlala esele ilahlekile, kodwa i-100% yemali ehoxisiweyo iya kufakwa kwingeniso ehlawulwayo yomvuzo ngonyaka wokuhoxiswa.
Uhlobo oluthile lwenkinga lungadalwa xa ubiza umzukulu wakho omncinci njengomxhamli ngqo kwi-IRA yakho. Ukuba ngaba kunjalo, u- guardianship okanye ugcino-mali uya kufuneka abekwe ukulawula i-IRA ukwenzela ukuba inzuzo ibe ngumntu oza kufikelela kwiminyaka eyi-18. Emva koko, xa umzukulu efika ku-18, unokurhoxisa 100 % yezinto ezishiywe kwi-IRA ngaphandle kwanoma yimaphi amacwecwe aqhotyoshelweyo.
Ngakolunye uhlangothi, ukuba i-IRA yakho idlulela kubaxhamli bakho ngokusebenzisa i-IRA Trust, ngoko unokubeka izithintelo malunga nendlela i-asethi yakho ye-IRA isetyenzisiwe ngayo kwaye kwaye nini na umxhamli unokurhoxisa.
Oku kuya kudala ilifa lakho eliqhubekayo kwintsapho yakho ekubeni iAra asethi engasetyenziswanga ngethuba lobomi bemivuzo unokuqhubeka ngokuthembela ngenzuzo yenzalo yomzuzi. Oku kuya kuba kubalulekile ukuba umxhamli sele sele ene- taxable property kusukela i-IRA Trust ingaqulunqwa ukuba iyancitshiswe okanye ichithe irhafu yexabiso kwixabiso le-estate beneficiary through the generation-skipping trust planning .
IRA Trust ingaqulunqwa kwakhona ukuqinisekisa ukuba ii-RMD kufuneka zolulelwe ngaphezu kobomi bomntu ngamnye kwabaxhamli bakho kwaye ungayihoxiswanga yonke into kanye (i- IRA elula ), ngaloo ndlela igcine i-IRA yeempahla ezingenakufunwa ngabaxhamli bamanje ukuze kuzuze izizukulwana ezizayo.
Ukucwangciswa kweNtsapho edibeneyo
Ukuba unomtshato wesibini okanye kamva kwaye wena kunye neqabane lakho ninomndeni odibeneyo, ngoko i-IRA Trust yakho inokwenzelwa ukunika iTrasti yakho ukufikelela kwi-IRA yakho ukuze incede lakho iqabane ngexesha lokuphila kwakhe, kodwa emva komlingane wakho usweleka unako ukunyanzelisa ukuba oko okusele kwi-IRA Trust kuya kubaxhamli ozikhethile.
Oku kuya kugcina i-IRA yakho ephuma kwiintsapho zomlingane wakho okanye iqabane elitsha ukuba iqabane lakho likhetha ukutshata kwakhona.