Chii chinonzi Irrevocable Trust?

Chivimbo Chisingachinjiki Hachigoni Kuchinjwa - Kana Kuti Chingave Chinochinja Here?

Kutenda kusingagoneki ndeyekuti, kuburikidza netsanangudzo uye nekugadzirisa, haigone kuchinjwa, kuchinjwa, kushandurwa kana kubviswa. Mune mamwe mazwi, mazwi akanyorwa echibvumirano chekuvimba anoiswa mumatombo mushure mekuvimba kwekuvimba. Hazvikwanisi kubhadharwa nechikonzero chipi nechipi mune ramangwana, kunze kwechimwe chezvinhu zvakasara uye zvisingawanzoitiki.

Saka nei zvakadaro? Sei uchigadzira chivimbo icho chaicho chesimbi? Aya mavimbiso anopa zvishoma zvishoma zvakanakira pamusoro pevamwe vavo vanovhiringidza.

Chivimbo chisingachinjiki uye vane chikwereti

Chivimbo chisingachinjiki chinogona kuchengetedza zvinhu zvako kana iwe ukashanda mune basa rinokuisa pangozi yemimwe mitongo - kana kuti kana iwe usingaiti. Iwe haugone kutora nzvimbo yacho shure kwekunge iwe uchitora umiridziro mune chivimbo chisingachinji, saka yakachengeteka kubva kune vane chikwereti uye chero ani zvake anotonga iwe kana iwe uchida kuve nechokwadi chokuti yakachengetedzwa kune vako vanobatsirwa. Iwe hausisiri iwe-iwe unotenda iwe, uye muteresi kana mutongi wekutonga haagoni kutora zvinhu kubva kuna ani zvake kana chero chinhu chisiri chikamu chemhosva.

Chivimbo chisingachinjiki uye Zvivako Mitero

Imba yawakatamira kune hupenyu husingagoneki kuvimba haibatsiri kukosha kwepfuma yako yekutengesa mutengo. Kungofanana nevatengi vako uye vatongi vanogona kukwanise kusvika pairi nokuti iwe haunazvo, uyewo yeInternal Revenue Service inogona kubhadhara mari yako pauri - nokuti iwe haunazvo uye naizvozvo, haibatsiri kuimba yako.

Izvi zvinogona kubatsira kana iwe uine nzvimbo huru kwazvo. Kubva muna 2017, nyika dzinokosha pamadhora anodarika madhora 5,49 mamiriyoni dzinoenderana nemitero yematoro pahuwandu hwenheyo dzavo pamusoro peizvi. Iko yepamusoro mitero inodarika 40 muzana. Ichi chikumbaridzo, chinonzi kuregererwa, chakakonzerwa nekutengesa kwezvinhu saka zvinokwira gore negore.

Kutendeseka Kusingagadziki uye Hurumende Zvipo

Nhaka dzako iwe pachako dzinotarisana newe nekuda kwechinangwa chekufanirwa kune humwe hurumende inobatsira, yakadai seMedicaid uye Supplemental Security Income. Kunyange kana nzvimbo yako isina nzvimbo yakawanda yakakwana zvokuti iyo mitero inogona kuve iyo nyaya, kuendesa zvinhu kunze kwehuwandu hwako kunogona kudzivisa kuparadzwa kwepfuma yako kubhadhara muimba yeukoti mumakore ako akazotevera. Chivimbo chisingachinjiki chinogona kuchengetedzawo zvinhu zvekuda mwana zvakakosha apo yakagadzirirwa nenzira yakadai yekudzivisa kumurega kuti awane hurumende inobatsira.

Mhando dzeHuruscable Trust

Aya mavimbi anouya mumhando mbiri dzinokosha:

• Kurarama Kwekuchengetedzeka : Rudzi urwu rwekutenda kusingachinji, kunonziwo "inter vivos" kuvimba, kunogadzirwa uye kunobhadharwa nemunhu munguva yehupenyu hwake. Mienzaniso inosanganisira kusavhiringidzika kwehutano hwemishuwarenzi yehupenyu, zvipo zvehupenyu nguva dzose sehutano hwekugara huripo, rupiro rwekuchengetwa kwemakore annuity (GRAT kwenguva pfupi), uye nguva yekugara muhutano hwehupenyu (SLAT kwenguva pfupi). Inosanganisirawo tariro dzinobatsira dzakadai sezvipo zvakasara zvinosara uye zvigaro zvezvipo .
• Testamende yeTestamente yekare : Zvose zvinyorwa zvesangano hazvichinjiki nokuti hazvisi zvisikwa uye zvibhadharwe mari kusvikira mushure mekufa kwevakavadzi. Izvi zvinotarisirwa maererano nemitemo iri mune kuda kwevakafa. Hapana munhu ane kodzero yepamutemo kana kukwanisa kushandura mazwi e testamentary trust achiri kurarama panguva iyo inotanga kushanda, saka zvinongoramba zvisingachinji, kunyange izvi zvisiri izvo zvisati zvafa. Munhu anovimba naye anogona kugadzirisa kuda kwake, kutora zvigadzirwa zve testamentary trust, pane chero nguva munguva yehupenyu hwake. Inogona kubudirira kubviswa kusati yasvika.

Tsananguro Nezvokutengesa Zvisarudzo

Kunyangwe iwe unogona kuputsa kana kuchinja chivimbo chekuregererwa chero nguva yaunosarudza iwe chero bedzi iwe uchiri mupfungwa mupfungwa, izvi zvinodzivirira hazvidziviriri pamhosva yekutongwa kana kuti mitero yemigwagwa nenzira iyo isingagadziriswi mitariro. Nezvayo chaiyo, unogona kudzorera pfuma yaunopinda mairi chero nguva. Saka mutemo, unofunga kuti iwe pachako uine pfuma iyi, saka kukosha kwayo kunogona kuverengwa nekuda kwekufanirwa kune humwe hurumende inobatsira pamwe chete.

Chivimbo chekuregererwa chinongoerekana chisingachinjiki paunenge wafa nokuti hausisipo kuti uite shanduko pairi kana kuti udzose.