Nzira Yokudzivirira Sei Makomborero eIRA Yenyu uye Yakaita Nhaka
Kana uine zvinhu zvinokosha muIRA, iwe unofanira kufunga kuisa rudzi rwakasiyana rwekuregererwa kwehupenyu hutendwa hwakagadzirirwa kuva muwani weIRA yako mushure mokufa kwako.
Rudzi urwu rwekuvimba runotumidzwa nemazita mazhinji akasiyana, kusanganisira IRA Trust , IRA Living Trust , IRA Inheritor's Trust , IRA Stretch Trust , IRA Inheritance Trust kana Standalone Retirement Trust .
Pasi apa iwe uchawana ruzivo pamusoro pezvose zvikomborero izvo IRA Trust inogona kupa kune vatsigiri vako, kusanganisira wako wako kana iwe wakaroorwa.
Kupa Asset uye Zvimwe Kudzivirirwa Kwevabatsiri Vako
Muzhinji, IRAs inodzivirirwa kubva kune zvikwereti zvevakweretesi maererano neimba yeIRA account apo iye ari kurarama. Zvisinei, kana muridzi weiyo weIRA afa uye IRA mari inopinda mumaoko evanhu vanobatsirwa, mune dzakawanda nyika iyo IRA imari icharasikirwa nehupenyu hwavo hwakachengetedzwa (ona SCOTUS Chisarudzo Chine Nhaka Yakagadziriswa IRAs Inogona Kukuvadza Kubhadhara Zvikwereti kune mamwe mashoko).
Kune rumwe rutivi, IRA mari inopinda mukutenda kwakagadzirirwa kubatsira mumwe munhu anowana rubatsiro pasi pemitemo yeIRA Trust ichachengetedzwa kubva kune vane chikwereti, vanotengesa, mhosva uye kurambidza vakaroorana chero bedzi mari ichiramba iri mukati mekutenda uye inogona chete inofanira kugoverwa muuchenjeri weTrasti .
Izvi zvichaita kuti IRA igare ichinyatsogadziriswa kuitira kushandiswa uye kubatsirwe nemubatsiri kana zviitiko zvekubhadhara zvikwereti, kupomerwa, kana kuroorwa nekubva varambana.
Mukuwedzera, IRA Trust ichadzivirira mubhadhari kubva pane zvisarudzo zvake zvakashata, kunyanya kushandisa mari miitiro, kusaziva nekutsvaga mari, nekuwedzeredza vakaroorana.
Pakupedzisira, kana iwe uchida kuita zvakakosha iwe unobatsira mubhadhari weIRA yako, saka kuvimba kwakagadzirwa kune uyo anowana mari kunogona kunyatsogadzirirwa sechinhu chinokosha chaunoda kuvimbiswa chichaita kuti mupi wehupi anoramba achiwana rubatsiro rwehurumende.
Kuumba Nhaka Yevamhuri Yako
Kana IRA yako yakasara zvakananga kuvatsigiri vako kunze kwechipikirwa, zvino vatsigiri vako vanogona kukurumidza kutenga IRA yako uye kushandisa mari sezvavanoona yakakodzera. Chii chinoitika kana munhu anobatsirwa achisarudza izvi? Zvadaro haisi kungotarisa zvishoma zvakakosha kugoverwa , kana maMMD, pamusoro pemubatsiri anoramba aripo tarisiro yemararamiro, asi 100% yemari yakabviswa ichabatanidzwa mumubhadharo wemari inobhadharwa mugore rokusunungurwa.
Rimwe dambudziko rakasiyana rinogona kusikwa kana iwe uchitumidza muzukuru wako muduku semudzikinuri chaiyo weIRA yako. Kana izvi zviri izvo, ipapo kuchengetedza kana kuchengetedza maitiro kunoda kusimbiswa kuti utarisire IRA kuitira kubatsira mwana muzukuru kusvikira asvika makore 18. Zvadaro, kana muzukuru achisvika 18, iye anogona kubvisa 100 % yezvasara muIRA pasina michina yakabatanidzwa.
Kune rumwe rutivi, kana IRA yako inopfuurira kuvatsigiri vako kuburikidza neIRA Trust, iwe unogona kuisa mitemo pamusoro pekuti iwe IRA yako inoshandisa sei uye nguva uye yakawanda sei mubhadhari anogona kubvisa.
Izvi zvichagadzira nhaka inogara iripo kumhuri yako kubvira panguva yeIRA yezvinhu zvisingashandiswi munguva yehupenyu hwomubatsiri inogona kuramba ichivimbiswa kuitira kubatsirwa kwevana vemubatsiri. Izvi zvichave zvakare zvakakosha kana mubhadharo atova nekodzero yekodha kubva iyo IRA Trust inogona kunyorwa kuti kuderedze kana kubvisa mitero yeimba inowanikwa muzuzi kuburikidza nekuzvarwa-skipping trust planning .
IRA Trust inogona kunyorwawo kuti ione kuti maMMD anofanirwa kutambanudzwa pamusoro pehupenyu hwose hweumwe neumwe wevabatsiri vako uye kwete kubvisa zvose panguva imwechete (a stretra IRA ), nokudaro kuchengetedza IRA zvinhu zvisingadikanwi nevanowanikwa zvino kuitira kubatsira kwezvizvarwa zvinouya.
Kuronga Kwemhuri Yakabatwa
Kana iwe uri mumhuri yechipiri kana inotevera uye iwe nemudzimai wako mune mhuri yakabatana, ipapo IRA Trust yako inogona kugadzirirwa kupa Mutungamiri wako kuti awane IRA yako kuitira kubatsirana nemudzimai wako munguva yeupenyu hwake, asi mushure mokunge wawakaroorana naye unofa iwe unogona kuudza kuti izvo zvakasara muIRA Trust zvichaenda kuna vanobatsirwa neunosarudza.
Izvi zvichachengetedza IRA yako kubva mumaoko omudzimai wako kana mudzimai wako kana mudzimai wako akasarudza kuroora zvakare.