Nzira yekuziva kuti rudzi rwekupa zvipo kune zvakakunakira iwe
Kuguma kwegore kunoswedera pedyo, uye sezvo iwe uchifunga nezvekutarisa zvose zvezvinhu izvi pane zvaunofanira kuita, iwe unogona kunge uri kufunga nezvekuti iwe unogona sei kuita mutsauko panguva ino chaiyo yegore. Kupa neropafadzo ndedzimwe nzira iyo vanhu vazhinji vanosarudzwa kuti vatsigire chikonzero chaicho kana sangano iri pedyo nemwoyo yavo. Kubva pamaonero ezvemari, kupa kunopa chipo kunogona kuva chikamu chinokosha cheimba yako, mutero, nekugadzirisa zvemari.
Zvechokwadi, makumi maviri nevatatu muzana yevateresi itemize zvigadziriswa zvechipo pamutero wavo wekudzokera.
Zvichienderana nemhando yeimba yako, mari yaunoda kupa, uye iwe unoda kuipa sei, ungawana kuti hauna chokwadi chekupa zvipo zvakadini zvinogona kukubatsira zvakanakisisa iwe nehupenyu hwako. Pane nzira dzakasiyana-siyana dzamunogona kupa, imwe neimwe ine zvayo uye zvayo, zvichienderana nezvamuri kutsvaga.
Donor Advised Funds. Munhu anopa mari-anopa ruzivo urwu rudzi rwekupa kupa rubatsiro uko iwe unopa mari isingabhadharwi, kana mune mari kana chekuchengetedza, kune zvisingabatsiri zvaunosarudza. Iyi nzira yekupa inoita zvinopfuura 3 muzana zvezvipo zvose zvechipo muUnited States. Kubudirira kune urwu rupo rwekupa ndechokuti kana iwe uchinzwa uri pedyo nechinokonzera kana sangano uye uchida kubatanidzwa nemari iyo iwe waunopa inoshandiswa, unokwanisa kutungamirira mutungamiri wemari iyo iwe unofunga kuti inofanira kuitwa .
Iwe iwe pakarepo unogamuchira huwandu hwemitero inobhadhara kubva ku IRS nokuda kwekupa kwako, uye iwe unogona kuisa mari yekuenderera mberi kana mushure mekufa kwako.
Musha. Kana iwe uine pfuma yausisisiri kushandisa uye unofanirwa kubhadhara mutero mukuru kana iwe uchitengesa imba yacho, unogona kuwana kuti kupa chipo ichocho kune rudo kune chakanaka.
Kana iwe uchiri kurarama mune imwe nzvimbo yaunoda kupa, iwe unogona kuisimudza kuti uve mupiro wekupa rubatsiro kuburikidza nekuita chiito kune yako yekutengesa imba yakatamiswa mushure mekufa kwako. Panguva iyoyo, kukosha kwemusha kuchabviswa kunze kwenzvimbo yako, kuderedza mitero yako yemitero. Iwe unogona kuwanawo mutero mukuru wemitero nekupa zvivako zvekumba. Mune zvimwe zviitiko, unogona kukodzera kubhadhara mutero kunokwana neyakanaka yemari yemari yeimba.
Cash. Chipo chemari ndiyo nzira yakanakisisa yekupa zvipo. Mutengo wako wekubhadhara wakaenzana nemari yemari yaunopa, kuderedza kukosha kwezvinhu chero chipi zvacho kana mabasa ako wawakagamuchira mukudzorera. Semuenzaniso, nhengo dzekusina mari, kufanana ne zoo kana imwe sangano, inofungidzirwa zvipo zvemari. Mazita, maitikiti, kana mashizha haasi kutumirwa mune mari yemari kana. Kubatsirwa kwekupa mari chipo ndechokuti zvinoshamisa kuti zviri nyore kuita, uye hapana kutsauswa kwemitero kana kuti zvikwereti zvekutora.
Stocks. Imwe yenzira dzakawanda dzekubhadhara mitero yekupa ndeyokupa zvivimbiso zvekugara kwenguva refu, kufanana nematokari. Kune zvipo zviviri zvakakura kupa kupa nenzira iyi. Imwe, sezvo iwe hausi kutengesa mashizha ako, hapana mari inowanikwa mubhadharo inofanira kuve nehanya nayo, uye kana uchiwedzera kukoshesa matanda acho, zvakanyanya kuwedzerwa mari yako yekubhadhara ichave.
Chinhu chechipiri chinoshandiswa ndechekuti chero chematokari ako akatengwa kune rimwe gore rakapfuura rine kukosha kwemazuva ano kudarika mari yavo yepakutanga inogona kupiwa uye kuve yakakodzera kubhadhara mutero yakakwana kune yakakwana yakashambadzirwa mutengo weko, kusvika kusvika 30 chikamu chemari yako yakashandurwa yakawanda.
Rudo rweRudo. Kune marudzi maviri ezvitendero zvinokubatsira iwe ungave uchifarira kuita chikamu cherongwa hwako hwemari - mutungamiri wekutungamirira (CLT) uye chekuchengetedza chechipiri (CRT).
- CLT. Ichi ndicho chivimbo chamunoshandisa kuburikidza nekuendesa zvinhu mukati mekutendwa nekupa ruzivo rwekuwana mari kubva kune zvinhu kusvika kune sangano rezvipo gore roga roga. Mari yakasara mukutenda pamagumo ezuva rawakagadzirirwa kuti upiwe rinogona kubhadharwa kune vamwe vanobatsirwa kana kuti rakachengetwa mu trust. Chipo chako chekubhadhara chipo chirikurumidza uye chinoenderana nekukosha kwekuwana mari kubva kune rudo. Kwete izvi chete zvakanyanya pakuendesa pfuma kune vagari venhaka, zvinopawo nguva yakajeka mari inoyerera kune rudo rweunosarudza. Izvo chete zvisingabatsiri ndezvokuti zvinoda kutungamirirwa kwegore negore.
- CRT. A CRT yakafanana neCCLT, ine kusiyana kukuru kumwe. MuCRT, vanobatsiri uye vanopa mari vanobhadharwa kutanga, kugamuchira mararamiro avo emari vasati vaita sangano rinopa rubatsiro. Zvisinei, izvi zvinobatsira sezvazviri kukupa iwe nevanobatsiri vako mari uye unowedzera mararamiro ako. Izvi zvakakwana kune avo vane zvikwereti zvakakosha zvikuru zvinoda kuunza mari asi vachiri kupa hunoenderana nekushamba kwemari kune rudo. Kungofanana neCCLT, inongova yega inotarisira gore negore rekuvimba.
Kupa zvipo kune rudo. Chinhu chakakura chekupa zvinhu zvako, zvakadai sekuregeresa mabhuku uye inshuwarisi yehupenyu, kune rubatsiro ndechokuti kuwedzera kune chero rubatsiro rwekubhadhara mutero, mutengo wako haufaniri kuziva kuti chipo ichocho, icho chinogona kukupa pfupa pfuma mutero. Vazhinji vanosarudza kushandisa zvinhu zvinowanzova nemhosva yemitero, zvichisiya mari inoshandiswa mutero muimba yavo yevatsigiri, vachivapa nhaka yakanaka isingabhadharwi. Iwe unogonawo kuva nezvinhu zvinooneka iwe unoda kugovera kune rudo. Zvinhu izvi, zvakadai sehupfeko uye mabhanhire, zvinogona kukupa iwe kubhadhara mutero kwakakosha nekukosha kwezvinhu zvawakapa. Kana pfuma yako yakabatana nerudo, zvakadai seunyanzvi kumusamuziyamu, iwe unowanzogamuchira kubhadhara mutero mukuru pane kupa chipo chimwe chisingawirirani zvakananga nechinangwa chesangano kana basa.
Pooled Income Fund . Kana uri kutarisa kuti uwane mari asi iwe unoda kugovera zvikamu zviduku kune rudo, mari yakabhadhara mari inogona kunge iri sarudzo yako yakanakisisa. Iwe unogona "kuisa" pamwe chete zvakachengetwa zvakasiyana uye / kana kuasunganidza pamwe nemari kuti ape mari yakawanda kuti aparidze kune rudo. Mari inobhadharwa kwauri uye kune vamwe vanobatsirwa vanobatanidza pamwe chete mari kune chikwereti. Paunouraya, zvakasara zvehomwe yemari yakawana mari inopiwa kune rudo. Mune zvimwe zviitiko, unogona kukwanisa kubhadhara mutero unobhadhara mutero wakaenzana nemari yemari inotarisirwa kugamuchira.
Private Foundation. Nheyo dzenheyo ndezvezvipo zvakagadziriswa sezvivimbiso zvezvipo kana makambani. Kana uri kutarisa kuti ugadzire nheyo yako yezvakanaka, nheyo yega yega ndiyo nzira yakanaka yekuita kuti mhuri iite, kunyanya kana iwe une chikonzero icho chinokosha zvikuru pamwoyo wako. Kunyange zvazvo pane mitemo yakasimba uye mitemo yemitero, nheyo yega yega inogona kupa zvipo kuvanhu uye iwe unogona kuchengetedza kupiwa kwezvinhu zvakapiwa.
Iwe unofarira humwe ruzivo rwekuti ungakodzana sei kupa zvipo muchirongwa chako chezvemari? Kana zvakadaro, nguva dzose iri pfungwa yakanaka kugara pasi nemunhu anoronga mari anoronga uyo anogona kubatsira kupindura mibvunzo yako. Kune mamwe mazano akawanda uye mazano, tapota teerera iyi e-book yakasununguka, The Financial Guide Kuita Makomborero Akanaka.
Kuzivisa: Iyi ruzivo rwakapiwa kwamuri senyanzvi yekutsvaga zvinyorwa chete. Inenge ichitaurirwa pasina kufunga nezvezvinangwa zvekutsvaga, kushivirira kwekuisa mungozi kana mamiriro emari yemumwe muzvinabhizimisi chaiyo uye ingave isina kukodzera kune varairi vese. Basa rekare harisi kuratidza migumisiro yemangwana. Kuisa mari kunosanganisira njodzi dzinosanganisira kurasikirwa kwatinoitwa mukuru. Iyi ruzivo haruna kuitirwa, uye haufaniri kuita, inoumba chikonzero chikuru chekusarudza kwekutsvaga kwekutsvaga iwe waungaita. Nguva dzose bvunzurudza iwe pachako wepamutemo, mutero kana wekurima wekutsvaga wekutsvaga wekutsvaga kwekutsvaga iwe usati waita chero upi zvake wekutsvaga / mutero / nzvimbo / fungiro yekugadzira mari kana zvisarudzo