Ukucwangciswa kwezindlu kunye nokunikezela ngoncedo
Ubone iintengiso ezivela kwi-AARP kunye neeNgxelo zeBathengi; Ukuthumela i-imeyili evela kwi-alma mater kunye nokungenzi nzuzo ozinikelayo kunyaka ngamnye.
Yisiphi isipho esinesibonelelo sonyaka?
Ngamanye amaxesha kuthiwa "Izicwangciso zeNgeniso zeMpilo," phantse zonke iinzuzo ezingenakunzuzo zipapasha izipho zokunceda izipho njengendlela yokufumana inhlangano enomsebenzi ofuna ukuyifumana kwaye njengendlela yokutshala ngokukhuselekileyo ngokubuyisela kwangaphambili.
Kodwa ngaba ufanele uthabathe? Ezi ntlobo zintlawulo ayinjalo kubo bonke abantu, kodwa ziyakhathalela abantu abasondeza umhlala-phantsi abanokongiwa kwemali okanye utyalo-mali kunye neengqondo ezithandekayo.
Isiphi isibonelelo sesibonelelo sokusebenza
Unika isipho semali, i-securities okanye enye impahla kwi-charity. Ingena kwi-annuity ehlawula inzala eqinisekisiwe ye-interest rate ye-5-9% ngonyaka ukwenzela ukuba ufumane inzuzo (wena kunye neqabane lakho ngokuqhelekileyo). Xa usweleka, inzuzo engenzi nzuzo igcina yonke into eseleyo isamba sokuqala.
I-American Council kwi-Annuities yeZipho ibeka ireyithi ezikhokelela iintlawulo zemali. Ezi zibekwe ukwenzela ukuba inzuzo engenzi nzuzo iphela kunye nesiqingatha somnikelo wokuqala.
Izibonelelo ezihlawulelwayo eziqhelekileyo zihlawula ngokuqhelekileyo kwiminyaka ethile, ngokuqhelekileyo zi-50 nangaphezulu. Inxalenye yemali yentlawulo yerhafu ayikho inkokhelo yerhafu, kwaye ungathatha isaphulelo sentlawulo yangaphambili yokufumana isipho.
Unokuhlawula kwakhona iintlawulo ezihlawulisiweyo kwiimpahla okanye ipropati ngokubhekiselele kwixesha lokuphila kwakho kunokuba ukhokhe irhafu yentlawulo ngokukhawuleza ngendlela oya kuyenza xa uthengisa loo propati ngezinye iinjongo.
Yintoni omele uyibukele
Izibonelelo zenkxaso zibandakanya ukudluliselwa kwezinto ezingenakuguquka. Awukwazi ukufumana isipho sakho emva kokuba uhlawule imali. Unamathela kunye nomyinge wenzala xa uxhasa imali. Akuyi kunyuka xa amazinga omdla okanye ukunyuka kwamaxabiso kuphakama.
Ngakolunye uhlangothi, izinga lesenzalo aliyi kuhla okanye, kwaye ufumana ukuxhasa isikhungo esithandekayo okanye isizathu.
Abaxhasi banokufumana iintlawulo ngokukhawuleza (nangona ezininzi ezingenzi nzuzo zingavumeleli iintlawulo uze ufike ngaphezu kweminyaka engama-55) okanye uhlawule iintlawulo kuze kube ngumhla ozayo. Umdala wena, uphakamileyo izinga. Oko ufumeneyo kuya kuxhomekeka nokuba ukhusele isipho sonyaka nje okanye udibanise lakho iqabane.
Ukuba uhlawula iintlawulo zonyaka, ukuncitshiswa kweerhafu kusenokuthathwa xa usenza umnikelo, kwaye isipho sinokuqonda ngaphandle kokuhlawulwa.
Ungajonga iwebhusayithi ye-ACGA ukuze ubone ukuba ngaba amaxabiso atyunyiwe njengamanje.
Izibonelelo zenkxaso zihlala zixhaswa ngegalelo elincinci ye-$ 5,000- $ 10,000. Izibonelelo zempesheni ezinokunceda zihlawulwe okanye zingakhokhelwa kunye neentlawulo zorhwebo, kuxhomekeke kwimeko yemozulu yesantya.
Izibonelelo zixhaswa yimpahla yezobubele, ngoko kufuneka uhlaziye ngokugqithiseleyo amandla olawulo lweziko ngaphambi kokuba uxhaswe imali. Buza imibutho malunga namanqanaba abo asethi kunye namarekhodi kwanoma yimaphi ama-annuities angapheliyo. I-annuity Gift yenzeke, ngenxa yokungafihlisi, ayinqabile, nangona kunjalo.
Kufuneka uqhagamshelane nomcebisi wakho wezezimali, umgcini-mvume okanye ummeli ukuqinisekisa ukuba isipho sonyaka sisebenza kakuhle kuwe.
Yiyiphi inkolelo yokukhokela inzuzo?
Ukholo olusisigxothweni lukhokelo lobubele kunye necebo lokuceba.
Umniki-mali unako ukudlulisela i-asethi, njengemali, amasheya, kunye nemifanekiso, kwi-trust yegama elide leminyaka. Unyaka ngamnye, iintlawulo zenziwa kwi-trust ukuya kumncedisi otyunjwe ngumnikeli.
Kubizwa ngokuba yikhokelo lokukhokela ngenxa yokuba uthando lunelungelo lokukhokela (okanye yokuqala) inzala kwi-asethi ethembekileyo, kwaye umxhamli ongenakuhlawulelwa uyafumana inzala (okanye yesibini-in-line).
Xa ithenda lethemba liphelelwa yisikhathi, okokushiya kuya kubazuzi baxhamli benkululeko kunye neentlawulo zezakhiwo. Ngokucacileyo, ukusebenzisa esi sixhobo kunenzuzo ebalulekileyo kumniki-ndlali kunye neendlalifa zakhe, kodwa yindlela yokuxhasa inzuzo engenzi-nzuzo, njenge-alma mater yakho, ukuqhubela phambili uphando kwisifo esithile, okanye ukuxhasa inhlangano yamalungelo oluntu.
I-IRS isetya izinga lokuba ixabiso lilindeleke ukuba likhule kwi-trust. Eli nqanaba libizwa ngokuba ngumlinganiselo "wokubandezeleka" ngabacwangcisi bezinto ezilungileyo ngenxa yokuba nayiphi na inzuzo ngaphandle kwayo inokudlulela kwiindlalifa ezingenanto.
Ireyithi iguqulwa ngenyanga ngenyanga ye-IRS kodwa ihlala ivalelwe kuyo ubude be-trust.
Iintlobo ezimbini zeenkolelo zokunceda
Iintembeko ezikhokelekileyo zikho ezimbini: iintembelelo zenkxaso-mali yokukhokelela kunye ne- unitrusts yokunceda . Kulo hlobo lokuqala, umnikeli usetha isipho sonyaka esilungileyo sabantu abancedisayo. Kwi-unitrust, izibonelelo zithola ipesenti yexabiso lethenda ngamnye ngonyaka. Oku kuthetha ukuba ezo nzuzo ziza kuguquka ngokusekelwe kwimbuyekezo yentlawulo yotyalo-mali okanye ilahleko.
Iintembelelo ze-Annuity zithandwa kakhulu kuba iintlawulo zontlawulo zizinzileyo. Kwi-unitrust, iimpahla zikhula, kwaye ipesenti eya kwizobubele isebenzisa imali ethe xaxa, ngaloo ndlela yashiya iindlalifa ezingaphantsi.
Iirhafu zisebenza njani kunye nethemba elithembekileyo
Umnikeli oza kuseka uhlobo oluthile lokuthembela angathatha intsalela yokufumana imali yentlawulo ngokusekelwe kwiintlawulo zethemba kuye kwintando. Umniki-mali unako ukukhetha ukuncitshiswa, nangona kunjalo, kuba kufuna umniki-mali ukuba akhokhe irhafu kwi-investment trust.
Ukuhlahlela ukuya kwi-trust trust
Iingxowa ezikhokeleyo ezikhokelayo zingenakuguquka. Emva kokubeka iifayili okanye imali, ayikwazi ukukhishwa. Ukuba i-asethi ye-trust ithe yehla ngexabiso, imali eyashiywe iindlalifa ingaba yinto encinci kuba i-trust ityala inzuzo yayo yokuncedisa kungakhathaliseki ukuba imarike yenza ntoni.
Imali eya kwiindlalifa iyisipho esikhokhelwayo kwaye ihlawule ukuxolelwa kwerhafu.
Ixesha leemarike zibalulekile xa kusekwa i-Charitable Lead Trust Trust. Qhagamshelana nomcwangcisi wezinto zokuhlala ukuze uqiniseke ukuba unomdla wakho nakwindlalifa zakho.
Eli nqaku lenzelwe iinjongo zolwazi. Akujoliswe ukuba kube ngumcebisi wezomthetho. Hlola ezinye imithombo, njenge-IRS, kwaye ubonisane nomcebisi wezomthetho okanye umgcini-akhawunti.