Nheyo dzekushandisa Trust Trust kuti Dzivirire uye Dzichengete Pfuma
Chii Chinonzi Trust Trust?
A trust fund ndeyemhando yehutano yemutemo inobata pfuma kuti ibatsire mumwe munhu, boka, kana sangano. Kune marudzi akasiyana-siyana ezvitendero zvekuvimba. Kunewo zvakasiyana-siyana zvakasiyana-siyana zvekuchengetedza mari inoshandiswa iyo inoshandura maitiro ayo. Kazhinji, pane mapato matatu anobatanidzwa mune mari yose yekuvimba:
- Mupiro: Uyu ndiye munhu anogadzira fidhi yekutendwa, anopa imba (yakadai semari, mashizha , zvibvumirano , zvivako zvemuzinda , mutengo wemuviri , unyanzvi, bhizinesi romunhu oga, kana chimwe chinhu chipi zvacho chinokosha) kuchikwama, uye anosarudza iyo mitemo yainofanira kutarisirwa nayo.
- Mubatsiri: Uyu ndiye munhu waakagadzirirwa mari ye trust trust. Zvinotarisirwa kuti zvinhu zviri mu trust, kunyange zvisati zviri zvemuwanikidzi , zvichatungamirirwa nenzira iyo inomubatsira iye, maererano nemirairo yakananga nemitemo yakarongwa nemunhu anopa rubatsiro apo chikwereti chekutenda chakasikwa.
- MuTrasti: Mutongi, uyo anogona kunge ari munhu mumwe chete, sangano (rakadai sedhipatimendi rebhanki rekuchengetedza iro rinogadza mumwe wevashandi varo kumutoro), kana kuti mazano akawanda akatendeka, vane basa rokutarisira kuti trust trust inoshandisa mabasa ayo yakagadzirirwa mumabhuku ekuvimba uye mutemo unoshanda. Mutrasti anowanzobhadharwa mari shomanana yekufambisa. Vamwe vanotendwa vanopa mutoro wekutarisira zvinhu zvekutendesa kumatirastii, asi vamwe vanoda mutungamiri wehurumende kuti asarudze vashandi vemazano ekugadzira mari.
Mari Yechivimbo Inogadziriswa Sei?
Mari yekutendwa inhengo inofanirwa inopiwa hupenyu nehurumende yepamutemo yenyika umo chivimbo chakaumbwa. Zvimwe zvinotaura zvinobatsira kune vamwe zvichienderana nezvinoitwa nemupiro ari kuedza kuita, ndicho chikonzero zvakakosha kushanda nemunhu ane gweta rakagadzirisa paunenge uchinyora yako trust trust documents. Dzimwe nyika dzinobvumira izvo zvinonzi zvipikirwa zvekusingaperi, izvo zvinogona kugara nokusingaperi, asi vamwe vacharambidza masangano akadaro nokuda kwekutya kugadzira imwe nzvimbo yakagadzirirwa gentry kirasi inozoita kuti zvizvarwa zveramangwana zviwane hupfumi hwakawanda izvo avo vanobhadhara vasina kuwana. Chimwe chezvinyorwa zvakakurumbira zvinowanikwa mukutenda mari ndeye inonzi "spendthrift" ndima . Zvakarehwa, izvo zvinorevei ndezvokuti mubhadhari haagoni kugadzirisa zvinhu zvekuvimba, kana kupinda mukati mavo, kugutsa zvikwereti zvake. Izvi zvinogona kuita kuti zvibvirire kuzvikudza kuti zvizviwanire zvakashata mushure mokunge vatora chikwereti chikuru. Sei? Chimbofungidzira muwani akawana pari huru patafura ye roulette, akarasika, uye haana kukwanisa kubhadhara chikwereti. Iyo casino inenge isingakwanisi kugunzva mukuru wekodzero yemari apo inotora kukohwa mari yavakakweretwa. Iyo inzira yevabereki vane hanya kuti vaone kuti vana vavo vasina hanya havaiti vasina pokugara kana kuputsa, pasinei nokuti zvinotyisa sei zvisarudzo zvehupenyu hwavo.
Sei ini, kana vamwe Vashandi, Ndichifunga Kushandisa Trust Trust?
Mukuwedzera kune vanochengetedza chikwereti, pane zvikonzero zvakasiyana-siyana kuvimba mari yakakurumbira:
- Kana iwe usingavimbi nhengo dzemhuri yako kutevera tsamba yezvinangwa zvako mushure mekupfuura kwako, mari yekutendesa ine mutsigiri wezvechitatu wekwanisi inogona kuderedza kutyisa kwako. Somuenzaniso, kana iwe uchida kuva nechokwadi chokuti vana vako kubva kumhuri yekutanga vanogara nhaka yegungwa iyo inofanira kugoverwa pakati pavo, unogona kushandisa trust fund kuti uite.
- Iko kune zvimwe zvinokosha zvinokosha zvinogona kuwanikwa kana uchishandisa trust funds. Kugadza chinonzi Charitable Annuity Trust kana Charitable Remainder Trust inogona kuita kuti zvikwanise kudzivirira zviuru, kana kunyange mamiriyoni, emadhora kubva pamitero, apo uchibatsirwa nerudo rwako rwaunoda.
- Mari yekutendesa inogona kushandiswa nenzira inowedzera mitero yematoro edzimba kuitira kuti uwane mari yakawanda kune mamwe madzinza anowedzera pasi pemhuri.
- Vanasekuru navanasekuru vanowanzogadzirisa mari yekuvimba yemzukuru avo, yakagadzirirwa kubhadhara mari yekudzidzisa. Apo vazukuru vanopedza kudzidza, chero imwezve huru yakasara inoparidzirwa semari yekutanga-pfuma iyo yavanokwanisa kushandisa kuisa hupenyu hwavo hwepashure-chuteji.
- Mari yekuvimba inogona kuchengetedza zvinhu zvaunokoshesa, zvakadai sebhizimisi remhuri, kubva kune vako vanobhadhara. Fungidzira iwe une yeklasi yekriski uye uchinzwa kuvimbika kukuru kune vashandi vako. Iwe unoda bhizimisi kuti irambe ichibudirira uye inotungamirirwa nevanhu vanoita mairi, asi iwe unoda kuti zvikwereti zviende kumwanakomana wako, uyo ane dambudziko rekushandisa zvinodhaka. Nokushandisa mari yekuvimba, nekuita kuti muteresi ave mutoro wekutarisira kutungamira, unogona kuita izvi. Mwanakomana wako aizoramba achiwana mari yebhizinesi asi iye haazove achitaura pakushanda.
- Kune dzimwe nzira dzinofadza dzokutengesa mari yakawanda yemari kuburikidza kushandisa fund trust, kusanganisira kusimbisa chiduku chiduku chinotenga inshuwarisi yehupenyu kune uyo anopa rubatsiro. Kana munhu anopa chikwereti achipfuura, mari yeinishuwarenzi inoparidzirwa ku trust. Iko mari inoshandiswa kuwana hupfumi hunoita zvikwereti, chido, uye zvikwereti zvemufambisi kufara.
Ndapota ramba uchifunga kuti, ini ndichivimba kuti zvave zvichibatsira, iyi inongororongedzana yemari yekutendesa. Kuti udzidze zvakawanda, ndinokurudzira kuverenga The Complete Book of Trust , iyo inopa mhedziso yakawanda yemarudzi makumi matanhatu emhando yekutendesa mari uye zvikonzero zvese zvinoshandiswa. Ndapota cherechedza kuti kana kwete chekuvimba mari yakakodzera mamiriro ako ezvinhu achaenderana nemamiriro ako akaenzana, zvaunoda kuita, uye kunyange mitemo yenyika yako. Icho chinhu chakakosha zvikuru kuti iwe ukurukure zvaunoda nemunhu ane kodzero yekuchengetedza gweta, accountant yako, uye rako rakanyoresa mazano ekugadzirisa mazano .
Iko Balance haisi kupa mutero, utsvaga, kana mari yemari uye mazano. Mashoko aya ari kuendeswa asina kufunga nezvezvinangwa zvekutsvaga, kushivirira kune ngozi, kana mamiriro emari yemumwe mutengesi chaiyo uye angave asina kukodzera kune varairi vese. Basa rekare harisi kuratidza migumisiro yemangwana. Kuisa mari kunosanganisira njodzi dzinosanganisira kurasikirwa kwatinoitwa mukuru.