Zvakananga, mumatanho kana muDiscretionary Lifetime Trust
Kusiya Pfuma Yakakwana
Kune vanhu vazhinji, kupa vanhu vanowanikwa vakura nhaka yavo chaiyo mune imwe pfuma yemari ndiyo nzira inonyanya kufamba.
Sei? Nokuti hakuzovi nehutano hwekutonga kana kuwanika, kungova nyaya yekutora nguva - mune mamwe mazwi, kana kamwe chete yematambudziko ekupedzisira nemitero (zvose mutero wekufa nemitero yemari inowanikwa) inobhadharwa, zvino izvo zvakasara zvichangoti zviparadzaniswe zvakananga kune avo vanobatsirwa. Asi pane zvakawanda zvisingakanganisiki nenzira iyi:
- Kana mubhadhari ari akaipa nekugadzirisa mari, ipapo nhaka yavo ichave yaenda pasina nguva.
- Kana muwani ari muwanano yakaipa, saka nhaka yavo inogona kurasikirwa mukugadzirisa kurambana.
- Kana muwani ari muhutano hwakanyanya, saka nhaka yavo inogona kutorwa mumhosva.
- Kana muwani akagara ari mupfumi uye ane mvumo yekutengesa , ipapo nhaka yavo inongowedzera mimwe mitero kumitero yavo yemitero .
Nokudaro, patinenge tichifunga kushandiswa kwezvakakwana kugoverwa kune vanowanikwa vakura, muwandu wefa inoda kuyerwa nezera remubatsiri, ruzivo, uye mhuri nemari yemamiriro ezvinhu .
Kusiya Asset mumatanho
Imwe nzira ndeyekubata muzuzi wevanhu vakuru mumadhora ekubhadhara mari uye kubhadhara mubhadhari mumwechete kana mamwe akawanda muhomwe - mune mamwe mazwi apo mupiro wacho anosvika kune imwe nguva kana kuti anozadzisa chinangwa chaicho; 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 chakachengeterwa mubhadharo chekuchengetedza mari chinogona kushandiswa neTrasti kubhadhara chikoro chemubatsiri kana dzidzo yepamusoro, mishonga yezvechiremba, motokari, kana dzimba uye chero rimwe zuva zuva rimwe nerimwe rinodikanwa. Zvisinei, kana muwani anogamuchira muchero wekusara, zvipingamupinyi zvimwechetezvo sekusiya nhaka yose zvakakwana zvichashanda. Zvimwe zvipingamupinyi zvekushandiswa kwechivimbo chakawedzerwa zvinosanganisira mari yakawedzerwa yekugadzirisa uye mazano ezvemutemo munguva yekutenda uye mari yaunopiwa neTrasti nokuda kwebasa rakapiwa mukutarisira chivimbo.
Nokudaro, patinenge tichifunga kushandiswa kwechivimbo chekutengesa, chikamu chenhaka inofanira kuyerwa nemararamiro emakore akawanda ekutungamirira kuvimba ( kuvimba mabhuku uye mitemo yemitemo uye mari yeTrasti ) pamwe nezera, ruzivo, uye mhuri uye mamiriro ezvinhu emari omubatsiri.
Kusiya Asset muCarretionary Lifetime Trust
Chokusarudzwa ndechekusiya muzuzi wefa muhurukuro yekuvimba yehupenyu hwavo hwose.
Pane zvakawanda zvinobatsira pakusarudza izvi:
- Kana chibvumirano chekuvimba chiri kunyorwa zvakakodzera, mari inobatwa mu discretionary lifetime trust inoramba yakachengetedzwa kubva kurambana nemudzimai, mitongo, uye, kana musangano wekambani (bhengi kana kuti trust company) yakashandiswa, zvino kubva kune avo vakawana zvisarudzo zvakaipa uye kunze kwezvavanoita.
- Kana pane chimwe chinhu chakasara mu discretionary lifetime kuvimba apo muwani anofa, unogona kudzora ndiani achagamuchira zvakasara.
- Kana mubhadharo atove ane nzvimbo yakakura, kana kuti iwe unoda kuumba nhaka yemhuri isingagumi, iwe unogona kusimudzira upenyu hunoziva huri kuvimba sehutano hwemhuri huchadzivisa mitero yepaimba muimba yevabatsiri uye munzvimbo yevana vose vanobatsirwa.
- Iwe unogona kusarudza wechitatu seTrasti apo muzuzi ari muduku kudzivirira muwanikidzi kubva pane zvisarudzo zvakaipa uye kunze kwemasimba asi oita kuti mupiro wavo mutsigiri wavo muzera iwe paunofunga kuti ivo vachava nemhosva yakakwana kuti vatore zvizere.
- Kune rumwe rutivi, iwe unogona kusarudza muTrasti wekambani (bhengi kana kuti trust company) munguva yose yekutenda iyo ichaita kuti mirayiridzo yawakasiya muchivimbiso chekutenda kwekugoverwa ichaitwa uye inodzivirira trust trust kubva kugoverwa kunze kweropa rako kuitira kuti chero chinhu chakasara mu trust trust pachizvarwa chimwe nechimwe chizopfuurira kune zvizvarwa zvako.
Kunyange zvakadaro, zvipingamupinyi zvekushandisa sarudzo yekurarama upenyu hwekutenda zvakangofanana neyekushandisa shanduko yakawedzerwa - yakawedzerwa mari uye mari yekuverenga uye mazano emutemo uye mari yeTrasti. Nokudaro, paunofunga kushandiswa kwekusarudzwa kweupenyu hupenyu hwekutenda, chikamu chefa chinofanirwa kuyerwa pamusoro pemari uye mari dzinobatanidza nekupa chivimbo pamwe chete nezera, ruzivo, uye mhuri uye mari yemamiriro evanobatsiri uye nguva yako yakareba heritage planning goals.