Ichi Chirongwa Chetariro Chinogona Kubatsira Kuita Kuti Upenyu Hwenyu Hwemutero Inotisirwa Mubhadharo
Inishuwarenzi yehupenyu chinhu chinokosha chekubatsira kutengesa njodzi. Inogona kutengwa kutengesa njodzi inobatanidzwa nekufa kusati yasvika uye kupa mhuri inopona. Inishuwarenzi yehupenyu inogona kushandiswawo kupa hupfumi pane rufu kuitira kuti zvinhu zvisazofanira kutengeswa kuti zvibhadharwe mutero wematoro. Kunyange zvazvo inshuwarisi yehupenyu huse chinhu chakakosha, kushandiswa kweinishuwarenzi yehupenyu munzvimbo yekugadzirisa nzvimbo kunogona kuva dambudziko kubva pamutero.
Nemhaka yekuti inishuwarenzi inowanikwa inowanikwa muimba yacho uyezve inoteerera mutero wematoro, vanhu vazhinji vanotarisa kuwana nzira yekubvisa inshurensi yehupenyu hwavo kubva kune yavo. Imwe nzira yakakosha yekuita izvi ndeyokushandiswa kweIndrevocable Life Insurance Trust. Kana iwe usina purogiramu yako uye mari yacho haibhadharwi kuimba yako, saka haifaniri kutora chikamu cheimba yako. Mutemo wako uchave wekodzero, saka uchibvumira kusunungurwa pamitero.
Chii Chisingagadziriki Upenyu Inishuwarenzi?
Usarega shoko richivimba kukutya iwe. Kutenda hakusi kungoita-upfumi uye kunogona kubatsira kune vanhu vakasiyana-siyana pfuma. Nokushandiswa kweIndrevocable Life Insurance Trust (ILIT), kuvimba, iyo inoumba zviri pamutemo inogona kuva neimba, inogona kutenga mutemo kana kuti mutemo unogona kunyatsogoverwa kuvimba. Dhiyabhorosi iyi ichagadza musimboti wekutarisira zvinhu izvo zviri nekutendwa uye achapa mazano avanofanira kutarisirwa.
Dhiyabhorosi ichapawo vatsigiri uye tsanangudzo yemashoko ayo avo vanowana mari vachawana rubatsiro kubva kuvimba. Nemhaka yokuti kuvimba hakugoni kuitika, zvakakosha kunzwisisa kuti rudzi urwu rwekuvimba harungagoni kuchinjwa kana rwakaiswa. Yakaiswa mubwe.
Sei Uchifanira Kushandisa Chivimbo Uye Kwete Mumwe Munhu Mumwe?
Parizvino unogona kunge uri kuzvibvunza kuti nei usingadi kungopa inshuwarisi yehupenyu hwako kune mumwe munhu kunze kwekuedza kuburikidza nekugadzira chivimbo. Pane dzimwe nguva nyaya dzakawanda dzinogona kuitika apo iwe ugoisa inshuwarisi yehupenyu hupi kune vamwe vanhu. Nyaya dzakadaro dzinogona kusanganisira kurasikirwa kwekutonga, kushungurudzika kwezvinhu, mutero usingabatsiri kune muridzi, uye zvakanyanya kuoma kuwana muwani akakodzera. Nokugadza IITI, izvi zvinoshungurudzwa zvinotaurirwa:
Kudzora- Chibvumirano zvibvumirano zvingave zvinyorwa zvakajeka uye zvinogona kunyorwa kuti zvigadzirise zvinangwa zvakasiyana-siyana. Anopa (muumbi we trust), asingakwanisi kuchinja kusungano yekutenda mushure mokunge aitwa, aita kuti chinangwa chikuru uye kushandiswa kwezvinhu zvakachengetedzwa.
Kudzivirirwa kwezvinhu zvakachengetedzwa- Zvigadzirwa zve trust zvinoparadzaniswa uye zvakasiyana nedzimwe mari yevamiririri. Nokudaro, ivo vanodzivirirwa kubva kumunhu anotora chikwereti.
Hapana mutero wakashata unoshandiswa pamutendi- Iko kutenda kune imwe nhengo yemitero yakasiyana, yakasiyana kubva kune vese inshuti uye mutrasti. Kana mutasitiri afa, hurumende haisi chikamu cheimba yevatendi uye, saka, haine dambudziko rakaipa pane yeimba yematirastii.
Kuwanda kwevatariri vemhando- Pane zvisarudzo zvakawanda maererano nekusarudzwa kwetrasti. Muumbi wekutenda angasarudza chero ani zvake ane mhosva kana kuti boka revanhu kuti vashande sevamiririri kana vati-trustee, kana kuti angasarudza mutongi wekambani. Nemhaka yokuti mutasitiri anofanira kusungirirana nemitemo yehutungamiri iri muchibvumirano chekutenda, muumbi wekutendeseka anovimba nemutemo, kwete pamutongo mumwe nomumwe.
Mari Inofanirwa Upenyu Husingagadziriki Inishuwarenzi
Kune marudzi maviri eIIT paanotaura nezvezvinhu zvaiva ne trust. Iyo iIt yaibhadhara mari uye ILIT isina kubhadharwa:
ILO inobhadhara mari inobhadharwa neinishuwarenzi yepamusoro pamwe nezvimwe zvinhu zvinogona kushandiswa kubhadhara mari yemaimari. Urongwa uhwu hahushandiswi kakawanda nekuda kwezvinobvira zvipo zvemitero yezvipo zvekupa mari yakawedzerwa kune trust.
IIT isina kubhadharwa inobhadharwa ne inshuwarisi yehupenyu chete, uye hapana mari yakawedzerwa. Gore roga roga, munhu anopa rubatsiro anofanira kupa zvipo zvegore negore kune chivimbo chekupa mari inodiwa kubhadhara mahora ekutanga.
IITI inogona kuva nzira yakanakisisa yokutsvaga rubatsiro rwemitero kubva kune imwe yveshuwa yeupenyu yako. Zvisinei, sezvinoitwa nenyaya dzose dzemari, munhu wese ane mamiriro akasiyana-siyana emamiriro ezvinhu. Nokuda kwechikonzero ichocho nguva dzose inonakisisa kutsvaka mazano emudzidzisi ane unyanzvi anogona kukubatsira kufamba nenzira idzi dzimwe nguva dzisina mvura.
Zvinonzwisisika: Mashoko aya anopiwa kwauri sechirongwa chekuziva zvinangwa 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