Nhungamiro itsva yevateresi yekuvimba neChikwama

by Joshua Kennon

Kushandisa Trust Funds Kuvaka, Kudzivirira, uye Kupfuura Pfuma

Iko kune pfungwa yakajairika pakati pevatengesi vatsva inovatungamirira kwavari kufunga kwekutenda mari ndeyevatongi chete. Munenge vose veAmerica, kunyanya vakwegura, vanogona kubatsirwa nekushandisa mari yekutendesa kana vane zvimwe zvingachengetwa. Kubva pakubhadhara mitero yekuchengetedza vadyi venhaka kubva kune vane chikwereti kana kunyange zvisarudzo zvavo zvakashata, hapana chishandiso chakakosha sechivimbo chakagadzirwa zvakanaka.

01 Chii Chinonzi Trust Trust?

Kana iwe usati wambove uri pamagumo ekugamuchirwa kwechikwama chekuvimba, iwe ungasanzwisisa zvavari kana kuti zvavanoshanda sei. Nenzira yakanaka, kuvimba hakusi kunotyisa sezvinowanzoitwa nevashambadzi vatsva vanofunga. Kunyange kana iwe uchinge uine mari shoma shoma, inogona kuva imwe yenzira dzakanakisisa dzekuchengetedza, kupfuurira, nekuwedzerwa pfuma. Izvi zvinotsanangurwa zvinonyoreswa - uyo anopa rubatsiro, mubhadhari, uye mutsigiri, sei kuvimba kwakagadzirwa, nezvimwe.

02 Ungaita Sei Kuti Uise Chikwata Chechivimbo?

Kana iwe wakamboda kugadzirisa a trust fund kune vemhuri yako kana dzimwe vagari venhaka, heino mhedziso yepamusoro yegadziriro yekukubatsira kunzwisisa zvaungatarisira.

03 Kutumidza mhuri yako Trust Trust

Zvinogona kuuya sechishamiso, asi chirongwa chekutumidza mhuri yako trust trust ndicho chinokosha. Vakawanda vanotenda mari mari vanoshandisa mamwe mabhizinesi ezita ravo asi inogona kubatsira, kunyanya nekuda kwezvikonzero zvepachivande, kutumidza kuvimba mushure mezvinhu zvisingambogoni kusungwa kumhuri yako, zvichikubatsira kuchengetedza zvinhu zvako kubva pakuona maziso.

04 Kutengesa Mari Yakachengetwa Mukuvimba

Dzimwe nguva, vashandi vatsva vanonyanya kufunga kuti kuisa mari inobatwa mu trust kunopesana nekushanda chikwereti chinowanzoitika. Muchidimbu chezvinhu zvakakosha, hazvisi chokwadi. Iko kuvimba kunogona kunge kune mvumo yehurongwa pairi, kunyora maitiro edziviriro iyo maneja wepfetiyoti anogona kuwana uye pasi pemamiriro api, asi nuts uye mabheti ekugadzirisa mari haisi kunyatsobva kune imwe nzvimbo yepamusoro yekutarisira mari .

Testamendi yeVestamende yeVestamende yeChishanu neInc Vivos

Kune zvikamu zviviri zvakakosha zvekuchengetedza mari - Testary trust funds uye mari yehupenyu hwekuvimba, iyo yekupedzisira iyo inozivikanwawo se inter vivos trust funds. Kunyangwe zvingave zvisinganzwisisiki zvakaoma, zvinyatsonaka chaizvo. Zvinopesana nenzira yazvisikwa, asi zvisinei, zvinogona kushandisa zvese zvinenge zvakafanana, uye zvinotambura kubva kune zvingangove zvakaoma. Tora nguva shomanana kuti udzidze musiyano pakati pemaviri uye kuti umwe neumwe unoumbwa sei.

06 Kukanganiswa kwekushandisa Trust Trust kuti Upe Pfuma

Nokuda kwezvakanaka zvavo zvose, mari yekutendesa ine zvimwe zvinokanganisa zvaunoda kuziva. Heano zvimwe zvezvakakura zvinogona kukukonzera iwe kana matambudziko ako anobatsira pakupedzisira. Zvishoma zvekugadzirira, uye zvishoma zvidziviriro ikozvino, zvinogona kukuchengetedza zvikwereti zvakakura zvemitero, matambudziko emutemo, uye kurwisana kwemhuri-mumangwana.

07 Mibvunzo Inofanira Kubvunzwa Paunosarudza Murasi weTrust Trust yako

Kana uri kushandisa gwaro rekutendesa kupfuurira pfuma kune vana vako, vazukuru, dzimwe vagari venhaka, kana kunyange rudo rwaunoda, uyo waunosarudza semutrasti achava nemasimba ane simba pamagumo ekupedzisira emari. Heano mibvunzo mitatu yaunofanira kuzvibvunza iwe usati wavhura mumwe munhu ane kodzero yekuita seyimboti.

08 Kushandisa Chinyararire Chekuchengetedzwa Kwekuchengetedzwa Kwekuda Kupfuurira Pfuma uye kupa Chipo

Waiziva here kuti unogona kushandisa sarudzo yakasara yekuvimba kuti uwane mari kune vako vanobatsire uye, gare gare, inoita chipo chakakura, chekubhadhara mutero kune rudo, kana kunyange zvipo zvakasiyana-siyana zvaunosarudza? Zviri nyore nokuda kwechimwe chinhu chinozivikanwa sechipo chinosara chakasara. Rudzi urwu rwekuvimba mari harusi rwakaoma sezvinoratidzika apo iwe unonzwisisa zvidzidzo. Iyo inogona kuva yakanakisa yekugadzirisa nzvimbo yekushandisa, kana senzira yekubatsira shamwari neshamwari pavanenge vachiita zvakanaka munyika.

09 Uchishandisa Spendthrift Trust Funds kuchengetedza Vabatsiri vako

Iwe unogona kunge uchida vagari venhaka yako. Kunyange zvakadaro, vamwe vavo vanoita zvikanganiso kupfuura vamwe. Iwe unonetseka here nemudzidzi wako arikudzidzira kubhejera, kushandisa zvinodhaka, kana kushandisa mari? Kurambana? Kuva nekutsvakwa nevakwereta? Imwe nzira iyo iwe unogona kubatsira kuchengetedza mari yaunovasiya ndeyokuisa urongwa hunokosha hunochinja sangano rekutenda nguva dzose mu spendthrift trust fund. Izvi zvinovadzivirira kuti vasakwanisa kutora, kana kuti kutamisa, mutendi mukuru, uye chete vanovapa mvumo yekubuda kwemari inobva kunze kwekutendwa, iyo mutrusti inogona kuvhara kana mupiro ari kutyisidzirwa.

10 Kushandisa Trust Funds kuchengetedza uye kuunza pfuma yakawanda

Kana iwe uchida vana vako, vazukuru, uye vazukuru-vakuru kuti vafare nezvibereko zvebasa rako, kugamuchira kugoverwa kunoongorora kubva mumatokisi, zvisungo, zvekumba, uye emabhizimisi ega ega iwe unonzwisisa, uye mune dzimwe nguva, norudo, wakaungana munguva yako yose yeupenyu, Nzira yakanakisisa yekuita nayo inowanzova mari yekuvimba. Iyi yakajeka yekushandiswa kwemari yekutendesa sechigadziro chekugadzirisa zvirongwa zvevanhu vakawanda yakagadzirirwa kubatsira kubatsira vanhu kuti vaone kuti nei vanhu vazhinji vakabudirira vakatendeuka kana vachida kupa, nekudzivirira, vagari venhaka dzavo.

11 Chivimbo Chekubhadhara Hausi Chete Rockefellers

Iwe haufaniri kuva mukuru akapfuma kuti unakidzwe nemitengo ye trust trust. Kunyange kana iwe uine $ 10 000 chete kana $ 25,000, mari yekutendesa inogona kunge iri nzira yakakwana yekudzivirira vagari venhaka yako kubva kune ivo, pamwe chete nevatengi, vaimbova vakaroorana, kubhejera kusagadzikana, uye miitiro yakaipa yemari. Nehurongwa hwekutonga huripo, inosvika mabhengi ese anotenda madhipatimendi anokwanisa kubata mapepafolisi nyore kana wafa uye kana uchisarudza kuita chipo chisingachinjiki kune chivimbo, kazhinji kusvika pasi pe1% kusvika ku5,5% pagore. Kunyange zvazvo izvo zvingaratidzika sehama inodhura kune imwe mimwe motokari yemotokari, kuchengetedza kunobhadhara mari kana iwe ukaona mari yacho inowanikwa kupfuura iyo inowanikwa kune avo vanoritora kuti vagone kushandisa mari chete, kwete iyo huru, kana iri iyo iwe unoshuva.

12 Bank Trust Mamiririro 101

Kana uchingoshandisa zvinhu munguva yehupenyu hwako uye uchida kugovera vana vako nevana vazukuru, iwe unogona kudiwa mabasa ehurumende yebhanki pane imwe nguva. Vanoshanda sei? Vanobhadhara sei? Dzidza mhinduro dzemibvunzo iyi nezvimwe.

13 Murume Akangwara kana Akangwara Mutengesi Mutongi

Kana ukangotanga kushanda nemari yekuvimba, iwe uchasangana nechimwe chinhu chinozivikanwa sevanhu vakangwara vanotonga, vanozivikanwawo sevanhu vakangwara vemaitemo. Iko pfungwa yakakosha saka tora maminetsi mashomanana kuti uone zvinorevei uye kuti nei zvichikosha zvikuru.

14 Registered Investment Advisors Uye Your Trust Fund

Pamwe chete nebhankoni yedhipatimendi rezvemari, mutengesi wekubhadhara mari yakanyoresa ndeimwe yenzira dzakakurumbira dzekubudisa basa rekutarisira mari inofanira kuchengetwa mukati mekuchengetedza mari. Ichi ndicho chirevo cheRIAs chakakosha nguva yako.