Kunzwisisa Kusiyana
Kusiyana pakati peTestamendeary neInter Vivos Trust Funds
- Testary trust trust mari ndeyekutengesa mari yakaumbwa mushure mekufa.
- Zvigaro zvoupenyu, kana inter vivos zvinotendwa sezvavanowanzodanwa, ndezvekutenda mari yakaumbwa munguva yehupenyu
Testary Trust Trust
A testamentary trust fund inosvika pakufa kwemunhu anopa rubatsiro (munhu ari kuisa trust trust), sezvinorayirwa kuda kwake. Izvo zvakaderera zveyi nzira ndeyokuti mari inoshandiswa kubhadhara iyo trust inenge ichitsvaga ichienda kuburikidza nehuwandu hwekuongorora, izvo zvinogona kutungamirira kumigumisiro iyo iye zvino-wakafa asina kumbodikanwa, kusanganisira kuona hama iwe unofarira kuti urege kuwana chero yako mari iri kurwisa chikamu.
Somuenzaniso, fungidzira murume nemudzimai vane dzimba ye $ 2,000,000. Vanopfuura uye kuda kwavo kunoda kuti zvinhu zvavo zvose zviiswe mu-fund trust, panguva iyo mari ichaiswa mubhuruu chip stocks . Apo vana vavo vaviri vaduku vanodarika makore 18, vachawana 4% kugoverwa kubva ku trust, kupatsanurana pamwe chete pakati pavo.
Apo pavanosvitsa makumi matatu, iyo yose yekuvimba inogumisa uye mari inoparidzirwa pakati pevatsigiri vaviri zvakaenzana. Bhizinesi rakabata mari yemhuri yemari inoshanda sevamiririri vesangano, kuisa mari yacho uye kuisa chokwadi kuti kutevedza mitemo yekutendwa uye mutemo wenyika zvakasangana. Uyu ndiwo muenzaniso we testamentary trust nokuti chekisi yekutenda haina kumbovapo kusvikira vabereki vakafa.
Inter Vivos Trust Funds
Kune rumwe rutivi, fungidzira ichi vakaroorana vakaroorana vane nzvimbo ye $ 2,000,000. Vanosarudza kuisa mari mbiri yekuvimba yevanakomana vavo, vachizvitumidza sevatrasti, uye vachipa $ 100,000 muchikwama chimwe nechimwe. Kubva ikozvino, vakomana havagamuchiri kugoverwa, asi pavanenge vava nemakore gumi nematanhatu, mari yacho inotanga kubhadhara 3% yemutengo wayo inobatsira gore rega roga kubatsira rubatsiro rwekugara. Nguva nenguva, murume nemudzimai vanoita zvipo zvekuwedzera kumakero ekuchengetedza chikwereti, kuwedzerwa mari yakashanda kune mumwe nomumwe anobatsira. Vanogona kugovera mari kana, mune dzimwe nguva, kukanda mune dzimwe dzimba dzakadai sedzimba dzimba dzezvivako . Mhuri iyo yebhizimisi idzva inenge isingatombofungi nezvekupa mupiro wechirongwa mukodzero yekambani inoshandisa iyo iyo firimu yakaitwa. Uyu muenzaniso we inter vivos kuvimba nokuti yakagadzirwa munguva yehupenyu hwomubatsiri; kwakanga kusina rufu rwakakosha kuti tibve kusika kwetendamende pacharo.
Revokable vs Irrevocable Trust Funds
Kana kuvimba kuchikanganiswa, zvinoreva kuti mupi anokwanisa kuchinja mazviri panguva yeupenyu hwake. Iko ndiko, kazhinji kutaura, chikwereti chekuvimba chinogona kubviswa. Chimiro chinozivikanwa zvikuru ichi chinozivikanwa seRevokable Living Trust , chinopa nzira yekuderedza mitero yeimba .
Chivimbo chehupenyu chakasiyana mune imwe nzira inoshandiswa inosanganisira mupi wekubatsira uyewo kushanda semutongi uye anobatsira. Izvi zvinoderedza kusachengetedzwa kwezvinhu zviripo, uye zvinotora zvakawanda zvepamusoro zvinobhadhara mitero, asi zvinogona kudzivirira vakwegura kubva kumhuri dzinoshungurudza kana shamwari. Nokutaura nheyo kana mupiripi akavimbwa semutongi, vanogona kukutora iwe kana iwe usina kukwanisa. Pamusoro pekufa kwako, chikamu chose cheimba iyo iri mukati memari ye trust inofanira kukanganisa kuongorora uye pakarepo inotanga kubatsiridza mubatsiri wechipfuva, wawakagara uchitaura mberi. Izvi zvinogona kuva ani - vana vako, vazukuru, vana, vana vazukuru, vazukuru, kana rudo .
Kana kuvimba kusingagoneki, zvinoreva kuti mupi wemukana haagoni kutora mari kana mari zvakare kana chikwereti che trust chichigadzwa .
Izvo hazvina "do-overs" saka unoda kuve nechokwadi kuti yakarongeka zvakanaka. Kubudirira kwemamiriro ezvinhu akadaro ndeyekuti zvimwe zvose zvakaenzana, zvinopa kudzivirirwa kwepamusoro kune vakwereta uye kutonga kwakashata nokuti iyo chaiyo haisi yevabatsiri kana vanobatsirwa.
Ndeipi Trust Trust yakakosha Mukusangana Kwako?
Trust fund fund ndiyo imwe yenzvimbo idzo dzisingabatsiri mazano emutemo akakodzera kubva kune avo vanoremekedzwa, vane mazano avo vane ruzivo rwakananga mumunda. Mamiriro ose ehurumende akasiyana uye, zvichienderana nezvamunoda, mari yese yekutenda yakasiyana. Iyi haisi nzvimbo yaunoda kuderedza mitsara uye unoedza kuponesa buck nokuti kana iwe usingaiti zvakanaka pamberi, mareji anozopedzisira apedza kuitora mushure mekunge waenda apo vagari venhaka venyu vari kurwisana pamusoro pezvinhu.
Kuti uwane mamwe mashoko, verenga Chii Chinonzi Trust Trust? kuti awane mamwe mazwi anowanzoshandiswa mumagwaro ekuchengetedza mari.