Kubhadhara Nhaka kune Vaduku Vanowanikwa

Zvikamu Zvakavharidzirwa nemitemo

Paunosarudza kuti ndiani waunoda kugara nhaka yako yega mushure mekufa kwako, kunze kwekufungidzira kuti ndiani achawana, iwe uchada kuziva kuti sei uye pavanenge vawana chii. Kana urongwa hwako huchabatanidza mumwe kana vana vaduku vanobatsirwa , zviri pamutemo havakwanisi kugara nhaka, saka chero chinhu chakasara uye chakananga kumucheche chichaguma mumutongi -kutarisirwa kuchengetedzwa kana kuchengetedzwa kwekodzero kana kuti mune imwe nyaya isina kukwana sezvazvakatemerwa nemutongi uye mutemo wenyika.

Nokudaro, iwe uchada kuronga zvakanyatsonaka kune mudiki mupiro nekusarudza chimwe chezvikamu zvitatu: kusiya nhaka yavo mune imwe nhoroondo isina kukwana, uchiisiya mumatanho, kana kuisiya iyo muupenyu hwekuvimba.

Kusiya Asset muAkaunti Yakarongedzwa

Kana chikamu chauri kusiyira kune muduku chiduku, ichocho chinhu chinonyanya kui- ta kuita ndechekuti mutungamiri wechidiki awane nhaka inobhadharwa nekodzero yekuti mwana wechidiki abatsire kusvikira ava mukuru. Nhaurirano dzekodha dzinosanganisira iyo yakagadzirirwa pasi pehurumende inoshandiswa imwechete iyo inofanirwa kuChirungu cheMitemo (kana kuti nhoroondo yeUTMA ) kana yeChipatimendi Chechimwechete kune Minors Act (kana kuti nhoroondo yeGMA ). Aya marudzi eakaunti anogona kushandiswa kugovera hutano, dzidzo, nekugadzirisa kwechidiki kusvikira asvika pamakore gumi nemasere kana makumi maviri (iyo nguva iyo nyaya yacho inofanira kupedzisira inobva kune zvinodiwa mutemo wenyika). Imwe mhando yekambani yakaderedzwa iyo inogona kusimbiswa iyo nhamba ye 529 , iyo inofanira kushandiswa kubhadhara chikoro chechikoro chediki.

Nzira huru yekutsvaga kushandisa iyo UTMA kana yeGMA account ndeyokuti mupi wemuwana achagamuchira zvakasara munhoroondo yacho uye pasina michina yakasungirirwa pazera remakore gumi nemasere kana makumi maviri nemashanu. Nokudaro, aya maaka ekodzero anofanira kungoshandiswa chete madzinza maduku.

Iko kukanganiswa kukuru kwekushandisa chirongwa cha 529 ndechokuti nhaka inofanira kushandiswa kubhadhara dzidzo yeaibhadhara.

Nokudaro, kana mubhadhari akasarudza kusapinda koreji, chirongwa che 529 chinofanira kuenda kumumwe mubhadhari.

Kusiya Asset mumatanho

Imwe nzira ndeyokubata muzuzi wechidiki muzuro mukutenda uye kubhadhara muwani kana mumwe wezvimwe zvikwereti muzvikamu - mune mamwe mazwi apo mupiro anosvika pane imwe nguva kana kuti anozadzisa chinangwa chairo, ipapo vachagamuchira kugoverwa kwenhaka yavo .

Semuenzaniso, unogona kubhadhara munhu anowana 50% yenhaka yavo pavanosvika makore makumi maviri nemashanu, uye pavanenge vari makumi matatu, kana 50% pavanowana chikoro chekoroji uye ipapo chikamu pavanopedza chikoro chepedza kudzidza. Zvichakadaro, chivako chakachengetwa mumubatsiri wevimbisi chinogona kushandiswa neTrasti kubhadhara chikoro chemubatsiri kana dzidzo yepamusoro, mabhizimisi ekurapa, kana dzimba uye rimwe zuva zuva rimwe nerimwe zvinodiwa.

Zvisinei, kana muwani akawana mari yakakwana uye pasina kuvimba, chivako chichave chakaoma kurambana nevarume vakaroorana, mhaka dzemhosva, uye vanoita zvisarudzo zvakaipa. Zvimwe zvipingamupinyi zvekushandiswa kwechivimbo chakawedzerwa zvinosanganisira mari yakawedzerwa yekugadzirisa uye mazano ezvemutemo munguva yekutenda uye mari yaunotarirwa neTrasti ichapiwa rubatsiro rwebasa rakapiwa paunenge uchitarisira kuvimba.

Nokudaro, patinenge tichifunga kushandiswa kwechivimbo chakakosha kuitira kubatsirwa nemuduku muduku, kuwanda kwenhaka kunofanira kuyerwa pamusoro pemari uye mari dzinobatanidza nekupa tariro.

Kusiya Asset muHupenyu Time Trust

Nzira yekupedzisira ndeyekusiya muzuzi wevana vaduku nhaka mukuvimba kwehupenyu hwavo hwose. Pane zvakawanda zvinobatsira pakusarudza izvi:

• Nhaka dzakachengetwa mu trust dzinochengetedzwa apo muwani anozova munhu mukuru kubva kurambana nemudzimai , kutongwa, uye, kana mutatu weTatura anoshandiswa, zvino kubva kune avo vanoita zvisarudzo zvakaipa uye kunze kwezvavanoita.
• Kana pane chimwe chakasara mukutenda apo muwani anofa, unogona kudzora ndiani achagamuchira zvakasara.
• Kana iwe uchida kugadzira nhaka yekusingaperi yemhuri, iwe unogona kuisa hupenyu hwehupenyu hwakavimbwa sechizvarwa-chikwata chechikwata chekudzivirira icho chichadzivisa mitero yepaimba muimba yeanowanikwa uye pamwe nenzvimbo dzevana vose vanobatsirwa.

• Iwe unogona kushandisa mutatu weTrasti apo muzuzi ari muduku asi ezvo akaita kuti mupiro wavo apiwe Murasi wavo pazera apo iwe unofunga kuti ivo vachava nekutakura zvakakwana kuti vatore zvakakwana, sa25 kana 35.

Kunyange zvakadaro, zvipingamupinyi zvekushandiswa kwehupenyu hwekutenda zvakafanana neavo kushandisa shanduko yakawedzerwa - yakawedzerwa mari uye mari yekubhadharwa uye mazano emutemo uye mari yeTrasti . Nokudaro, kana uchitarisa kushandiswa kwehupenyu hwekuvimba, huwandu hwefa hunofanira kuyerwa pamusoro pemari uye mari dzinobatanidza nekupa chivimbo pamwe chete nezvinangwa zvako zvekugara kwenguva refu.