UKUVULA ISIKHWAMA ESIBIZWA NGE-TRUST KUVIKELA UMNOTHO WOMNDENI
UKUVULA isikhwama okungaba ngesomndeni, ibhizinisi noma ngesokunikela emphakathini esibizwa ngokuthi yitrust - okungaba yifamily Trust ngokujwayelekile - kuyindlela enhle kakhulu yokudlulisela esizukulwaneni esilandelayo umnotho nezimpahla ezikhulayo ngokwenani (assets) ngaphandle kokuthi kube nezinkinga.
Uma ungumuntu ongumtshali wemali ezakhiweni ngokuthenga izindlu noma amabhilidi, ukuwabhalisa ngaphansi kwe-trust kuyicebo elihle kakhulu.
Okokuqala okuhle wukuthi uma izimpahla sezingaphansi kwe-trust, kusho ukuthi seziphumile egameni lakho sekungezesikhwama somndeni.
NOMA UNGABA NAMACALA EZIKWELETU NGEKE IDLIWE IMPAHLA EKWI-TRUST
Okusho ukuthi ngisho ungaba namacala ezikweletu ngeke idliwe impahla engaphansi kwesikhwama ngoba kayikho egameni lakho.
Okwesibili okuhle wukuthi uma udlula emhlabeni njengomqali we-trust, kayingeni kakhulu intela yokufa (estate taxes) ngoba vele kayibhalisiwe ngaphansi kwegama lakho kodwa ingeyesikhwama okwenza ukuthi ingalindi ukuhlukaniswa kwencwadi yamafa kamufi.
Ukuqala lesi sikhwama kubhaliselwa enkantolo enkulu (Master of the High Court) ngosizo lwabameli kanti kungabiza kusukela emalini ephakathi kuka-r8 000 kuya ku-r20 000.
Umqambi wesikhwama (grantor or founder) kumele akhethe aphinde abeke umuntu noma abantu ababizwa ngokuthi amatrustees, okuyibona abazogada baphinde balawule lesi sikhwama ngokulandela imigomo ebekiwe kumhla-hlandlela (trust deed).
UMA KUBHALISWA ENKANTOLO, WUMHLAHLANDLELA ODINGEKAYO UKUCACISA
Uma kubhaliswa enkantolo, wumhlahlandlela odingekayo, ocacisa izinhloso zesikhwama namanye amaphepha ajwayelekile.
Okwesithathu wukukhetha abantu okumele bahlomule kulesi sikhwama abangama-beneficiaries.
Lokhu kusho ukuthi ngokuhamba kwesikhathi nezingane zabahlomulayo nazo ziyofakwa kulesi sikhwama bese kuthi abahlomuli abadala bakhethe okungaba ngabalawuli (trustees) besikhwama, okusho ukuthi amalungu emindeni azoqhubeka nokuhlomula nezingane zawo nezizukulwane ezilandelayo.
Kwanamuhla kusekhona izakhiwo ezingaphansi kwezikhwama zemindeni ezenziwa kudala kodwa zisahlomulisa izizukulwane ezikhona namuhla.
OKUNGAPHANSI KWE-TRUST KAKULINDI UKUHLUKANISWA NGOKWENCWADI YEFA
Izinto ezingaphansi kwe-trust kazilindi ukuthi kuhlukaniswe ngokwencwadi yamafa ngoba vele zona sekungezesikhwama, okwenza ukuthi intela yokufa ingangeni.
Izinto ezingekho ngaphansi kwesikhwama zona kumele zingene ngaphansi kwencwadi yezamafa.
Kukhona ukubambisana phakathi kwesikhwama somndeni (family trust) nencwadi yamafa yize isikhwama somnotho womndeni singalindi izinhlelo zokuhlukaniswa kwamafa (probate).
INGCEBO YAKHO IYAVIKELEKA UKUZE IDLULELE NASEZIZUKULWANENI EZIZAYO
Uma ungumuntu ongusomabhizinisi futhi unezinto eziningi zamanani akhulayo, kungaba yicebo elihle ukwakha isikhwama somndeni ukuze zonke lezi zinto zingene ngaphansi kwaso.
Izinto okungaba imali etshaliwe, izindlu, umhlaba, amapulazi, amabhizinisi (business trust) ukubala nje okumbalwa, kungangena ngaphansi kwesikhwama somnotho womndeni.
Lezi ngezinye zezindlela ezinhle zokwakha isikhwama sokuvikela umnotho womndeni nokuqinisekisa ukuthi ifa (legacy) lakho nombono wakho uyaqhubeka ngisho sewungekho emhlabeni kodwa izizukulwane ziqhubeka nokulondoloza nokukhulisa ingcebo yakho ukuze idlulele ezizukulwaneni ezilandelayo.
Usiboniso Mtshali ungusomabhizinisi ongumeluleki wezindaba zemali osemthethweni (FSP49257), ogunyaziwe ukusiza abasezikweletini (NCRDC3326), ukudayisa nokuthengiswa kwemizi (FFC: 1197883) nokwakha izindlu (NHBRC3000286136). Email: admin@moneyrepublic.co. za. Whatsapp: 0768100953.