Chirongwa Chekuita Kuita Mari Inobata MuTariro Mabasa
Ndeapi Mararamiro Anogona Kuwanikwa Kana Uchishandisa Mari Yakachengetedzwa?
Kunze kwekuti chimbo chekuvimba - gwaro rinotungamirira mufambiro wekuvimba - kunyanya kubvumidza kana kurambidza zvimwe zvipfeko, semutemo, gwaro rekuvimba mari rinogona kuiswa mune chero ipi zvayo iyo inogona kunge yakaenderana nebasa rekuchengetedzwa kwebazi rebhishopi kana mumwe muteresi anokweretesa kune uyo anobatsirwa kana kuti anobatsiriwa nekutendwa.
Mune mamiriro ezvinhu mazhinji, chivimbo chekutanga chinosanganisira zvinhu zvakagadzirwa nemunhu anopa mvumo kana kugadzirisa munyaya ye intervivos trust mari kana, kana iye apfuura, pfuma yake munyaya ye testamentary trust funds . Semuenzaniso, apo munyori, munyori wechirangaridzo, muiti, uye mutambi Michael Jackson akafa, zvakawanda zvekutora kwake kodzero, kodzero dzekodzero, kodzero dzorwiyo, uye imwe pfuma yakagadzirirwa kuvimba nevana vake nemhuri. Iko mari yekusarudzwa yakasikwa nezvinhu zviri mumatariro aya inofanira kubvumira vana vake kuti varambe vachizvimiririra mune zvemari kwehupenyu hwavo hwose. Vafumi vane pfuma dzimwe nguva vanosiya varimi mukutenderera kwevana vaduku zvikuru kuti vashandise, mutastii akashandisa varimi vapeji kuti vatarisire nyika uye vanogovera mukutengesa kwezvirimwa, nevana vachitora nhaka pavanosvika pane imwe nguva. Mune zvimwe zviitiko, vatengesi kana vatariri vakaunganidza nzvimbo huru mubhuruti chip hisa vachaendesa zvimwe zvezvikamu kune kuvimba kwemhuri, zvichivabvumira kuti vararame kubva kune muganhu wemari .
Mune zvimwe zviitiko, zvinhu zvose zvenyika zvakasara seri kweimba inotengeswa zvakananga kana kuiswa panzvimbo yekutengeserana kuitira kuti mari yacho inogona kuiswa muzvikwata zvakasiyana-siyana zvematokisi , zvisungo , uye / kana nzvimbo . Hazvinyanyonyanyi zvisiri izvo zvekudzora kufarira mune bhizinesi rega rega rekushanda, rakadai sedhizha rekugadzira, rinochengetwa mukutendeseka munyaya yevanamabhizimisi vanoda kuve nechokwadi kuti vakaroorana kana vana vane nherera, vasingabatanidzi mukambani, vanogona kurarama kubva pazvibereko zvebasa ravo vasingatongokwereti pamiganhu yavo, apo iyo iyo spendthrift trust inonyanya kubatsira.
Kana iwe uchigadzira chikamu chekutendesa, chirongwa chekutsvaga kwekutsvaga chauri kuzoita kuti uwane hupfumi hwacho huchabva pane zvimwe zvinhu. Semuyenzaniso:
- Unoronga here kuva nechivimbo ichichengetedza chikamu chose chayo , chikwereti, uye mari yebhadha kwemakore akawanda, pamwe nemakumi emakore? Izvi zvinojairika kana mwana achiri muduku uye iwe hausi kuti zvikwereti zvitange kusvika munguva inotevera muupenyu. Kana zvakadaro, iwe unoda kuisa mari iyo yakachengetwa mukuvimba nenzira inoderedza mitero nokuti trust trust mari ine izvo zvinozivikanwa seinomiridzirwa mutero wemari. Izvozvo zvinoreva kuti hazvirevi zvakawanda kusvika kusvika kumusoro kwepamusoro. Izvi zvinogona kusanganisira kuisa hutungamiri hwematokari asingabhadharisi zvikamu kana kusungirwa mutero musasungwa masunisi .
- Iwe unoronga pakukwanisa kugovera zviyero mune nzira yakawanda yekukwanisa kubhadhara mutero? Kana uyo akagamuchira ari mubhaketi yakaderera, zvingave zvakachenjera kuisa hurumende yemabhadharo akakwirira ekubvumira sezvo muwanikiti angave asingabhadharwi nemitero yemabhadharo zvakakwana zvichienderana nemari yeimba yake nekuda kwekushandurwa kwechangobva kuitika mumutsetse wemutero .
- Iwe unoda kuchengetedza kudzora pane imwe nzvimbo yekutengesa kana kubata mumhuri, yakadai semapurazi ataurwa pamusoro apa kana bhizinesi rekuita? Mune nyaya yakaita seyi, unogona kuva nematirastii ekubhadhara maitirwo ekugadzirisa mararamiro, ezvo vaudza mutendi kuti aunganidze chero mari inowanikwa muHaimari mabhizimusi. Ndakaona mamiriro ezvinhu akadai kamwechete. Imwe bhizimisi yepakati pepakati aiva nehukama nevechidiki mushandi. Rudo rwevana rwakaguma. Baba vakafa mwana achiri muduku. Akange atora mari yake kune a trust trust uye akabhadhara bhandi rekuchengetedzwa kwebhandi rekuchengetedza zvinhu zvake kusvikira mwanasikana wake ane makore gumi nemasere ekuberekwa, achivaudza kuti vaunganidze mari panguva iyi kubva pane zvingabhadhara bhizinesi rinobudiswa. Panguva iyo mwanasikana aine makore gumi nematanhatu, aigona kurayira vatereti kuti vatengese bhizinesi, vachiwedzera kune mari yavakanga vamuwana, uye vachienda nemari, kana kutora bhizinesi racho. Izvi zvaiva nemigumisiro yekuona mari yakagara mumaoko emuwana wake apo mukadzi waaiva naye, amai vemwana, akanga asingakwanisi kuwana chero upfumi.
Ichokwadi Chakugadzirisa Kwekutsvaga Mari Yakachengetwa Mukutendeseka Yakananga
Kana iwe uri kuisa gwaro re trust, iyo chaiyo yekuita mari inobatwa mukutenda haisi iyo yakaoma. Iwe uchada chimbo chekuvimba uye zvinyorwa zvichiratidza kusikwa kwetendi. Uyezve, mune dzimwe nguva, iwe uchada nhamba yekucherechedza yemutero wawakagamuchira kubva ku IRS kuti utarise firita yemutero inoshandiswa, iyo inofanirwa kuisa gore rimwe nerimwe semunhu kana kambani. Mutongi, achiita nokuda kwechivimbo, anozarura bhangi kana rekwereti yekodha muzita rekutendesa uye anoshandisa kambani kuti awane pfuma. Zvichienderana nezvakataurwa nehutendwa, mutasti anogona kugadzirisa mari iye pachake kana kuti kutora mari yekutsvaga kwemari iri muchivimbo kune unyanzvi ane ruzivo, zvakadai sedare rakabhadhara rekugadzirisa mari .
Zvitendero zviduku zvingangove zvakabata zvinhu zvakadai semari yekuenzanisira kana mamwe mari pamwe chete apo zvikwereti zvakakura zvingangove zvikwereti zvakagadzirirwa zvakasiyana-siyana zvinowedzera zviri muzvivimbiso panzvimbo yezvivako zvakagadzirwa pamwe, zvichida, kunze kwekugoverwa kumari yekutengesa yega yega kana kuti hedge funds .
Kuti mhuri iwedzere kuvimba, unogona kuzarura kambani ye trust trust pane imwe kambani yakatengeserana yakafanana naCharles Schwab. Zvichienderana nezvisungo zviri muchiridhi chekuvimba uye zvinyorwa, zvingangoita saiyo yekodha yekodha rekwereti. Inogona kutenga mashizha. Inogona kutenga mutengo wemari. Inogona kutengesa ETFs . Inogona kubata REITs .
Iwe unogona kuzarura kambani yekutendesa zvakananga nekambani yekutengesa mari yakadai saVanguard. Vanguard inobhadhara yose-mubhadharo ye 1.57% pane $ 500,000 kuvimbwa inotengeswa mumari yaro yehurumende nemari pamwe chete. Icho chinonyatsonaka pamusangano kana iwe uchida kugadziriswa kwekuvimba kwechivimbo icho chinotengeswa mu plain vanilla assets.
Kana zvikabvumirwa, iwe unogona kunyange kuenda kunze, kushandisa sangano re trust rekutarisa, uye nyora cheki kuti uwane hotera kana chivako chemba, kuve nechokwadi kuti musoro wacho wakanyoreswa ku trust iwe pachako. Zvechokwadi, zvingaita kuti zvinyatsonzwisisika kugadzira kambani ine chikwereti chekambani yekuwana zvinhu pane kuva nekutendwa ine ugove huri nhengo dze LLC asi iyo hurukuro yakasiyana yezuva rakasiyana.
Nhaurwa ndeyokuti, kuisa mari mukutenda hakusi zvakasiyana nekuisa mari chero ipi zvayo yemari kana iwe urikutaura pamusoro pezvinetso zvekugoverwa kwemari , kuita zvisarudzo pamusoro pekutengesera nguva, kugadziriswa kutengesa, kana kuwanikwa kwekutsvaga, kuongorora kuwanda kwakasiyana-siyana, uye kuisa pfungwa pakushanda kwepamusoro. Chinokosha ndechekuti uve nechokwadi chokuti hausi kumhanya kufambisa kwemitemo inogona kuiswa panzvimbo dzezvivimbiso zvekutenda.