'Ukudluliselwa kobutyebi obukhulu' -Ucwangciso loLuhlu lwaMazwe ngaMazwe
Ukugqithiselwa kobutyebi kwisizukulwana esilandelayo ngumba obaluleke kakhulu. Iminyaka emibini elandelayo kulindeleke ukuba ibone olona tshintsho lukhulu lobutyebi ukusuka 'kwi-Baby Boomers' (abo bazalwa phakathi kwe-1944 kunye ne-1964) ukuya kwizizukulwana ezincinci. Owona mbuzo mkhulu ngowokuba ingaba izizukulwana ezizuz 'ilifa kunye nabaxhamli bakulungele na ukusingatha nantoni na edluliselwe kubo, kwaye ngawaphi awona manyathelo alungileyo ukuze kufezekiswe oku?
Akumangalisi ukuba i-US inexabiso elikhulu lobutyebi be-UHNW (i-US $ 16 trillion). Amazwe “aphezulu ashushu” alandelayo: iJamani (iUS $ 1.645 trillion), iJapan (iUS $ 1.645 trillion), iUK (iUS $ 830 yezigidigidi) neBrazil (iUS $ 560 yezigidigidi).
Ukusukela oko kwaqhawulwa iCovid-19, abantu abaninzi ngoku baphonononga ilifa labo kwaye babeka amanyathelo afanelekileyo ngokubhekisele ekucwangciseni ubundlalifa. Nangona kungenjalo inkuthazo yokukhuthaza abantu ukuba baphonononge imicimbi yabo, iCovid-19 ngokuqinisekileyo iqinisekisile ukubaluleka kwayo. Kunyaka ophelileyo kunikwe izizathu kwiintsapho ezininzi ukuba 'zithathe isitokhwe' kwaye zibeke okanye zihlaziye amanyathelo asebenzayo ngokubhekisele kwisicwangciso sobundlalifa.
Impilo-ntle yosapho inokulahleka okanye yehliswe kwimbambano kulawulo kunye nolawulo lobutyebi. Ngelishwa, intetho yakudala yesiNgesi ethi "from ragg to ragag in three generation" inokuhlala iyinyani. Amandla kunye nokuqonda kwesizukulwana esilandelayo malunga nendlela yokujongana nombutho kunye nolawulo lobutyebi obudluliselwe kubo nako kubalulekile.
Uphi emhlabeni?
Kumazwe aliqela, ucwangciso lokulandelelana lunokuba nzima, ngakumbi amanye amazwe aseLatin America kunye namanye amazwe oMthetho woLuntu, apho kusenziwa imigaqo yokunyanzelwa kwendlalifa. Ngaphandle kokuba izicwangciso ezizezinye zibekwe kwangethuba, ubuncinci inxenye yelifa, ziya kwahlulwa ngokuzenzekelayo phakathi kwamalungu osapho asaphilayo, kunokuba kwabelwane ngokwentando yomntu.
Irhafu yamanye amazwe sesinye isizathu sokuba abantu banqwenela ukubeka amanyathelo olungelelwaniso. Uninzi lwabantu kunye neentsapho ezixabisa kakhulu zibandakanya enye okanye nangaphezulu yoLwakhiwo loShishino loSapho, iTrasti okanye iSiseko njengenxalenye yocwangciso lwabo. Kodwa ungayikhetha njani?
Ungabutshintsha njani ubutyebi ngobulumko? Iitrust kunye neZiseko zoCwangciso loPhumeleleyo
Zombini i-Guernsey kunye ne-Isle of Man ziindawo ezithandwa kakhulu ukusekwa kunye nolawulo lweeTrasti kunye neZiseko; nganye inesakhiwo esomeleleyo nesomeleleyo somthetho kunye nomthetho othile.
Kwinqanaba lokuqala, ulwakhiwo losapho lunokudluliselwa kumniki-nkonzo omnye okanye kwi-trustee enosapho olunobudlelwane obuhle kunye nokuqonda kwezidingo zosapho. Ezi zakhiwo zihlala zithatha imeko yeTrasti okanye iSiseko.
Ulwakhiwo lwentembeko luhlala lusetyenziswa yimithetho eqhelekileyo, ngelixa iZiseko zinokufezekisa imisebenzi emininzi kumazwe oMthetho woLuntu. I-Dixcart inamava angaphezulu kweminyaka engamashumi amane anesihlanu ekuncedeni abathengi ekulawuleni iiasethi zabo kwaye banokukunceda wena kunye nosapho lwakho ukuba nithathe isigqibo solwakhiwo olulungele iimfuno zenu.
Iinkampani zabucala zeTrust (PTC)
Kwiminyaka emininzi, ii-PTC zezona zithuthi zikhethiweyo zokulawula iiasethi zeentsapho ezizityebi. Enye yezona zinto zibalulekileyo kwi-PTC kukuba izigqibo ezinxulumene netrasti, zenziwa ngabalawuli abakhethwe ngononophelo lusapho okanye banokuba ngamalungu osapho. Kukho inani lokwahluka kwe-PTC, enokuthintelwa zizabelo okanye isiqinisekiso okanye nokuba kudidi olwahlukileyo lwezabelo ngeenjongo zokuvota. Ukuqwalaselwa ngononophelo kwinqanaba lokulawulwa kwe-PTC kufuneka kucwangciswe ukuze kungakhokeleli kwimpembelelo zerhafu.
Ngelixa ii-PTC zihlala zisisisombululo esithandwayo kwiingcali, i-Guernsey yethu kunye ne-Isle of Man ofisi zinokubonelela ngolwakhiwo olulula nge-Private Trust Foundation (PTF).
IZiseko zeTrasti yabucala (PTF)
I-PTF isusa isidingo salo naluphi na uluhlu lobunini ngaphezulu kwe-PTC kwaye inokwenza lula ukwakheka kwaye ngenxa yoko ulawulo neendleko. I-PTF isekwe phantsi komthetho ofanelekileyo kwezi ziqithi zibini ngenjongo yokusebenza njengetrasti zetrusti zokunceda umntu okanye usapho.
Umthetho uya kuyenza icace into yokuba iSiseko, ekusekweni, sinobuntu baso obusemthethweni, esizimeleyo kobo basunguli baso kunye nawaphi na amagosa esiseko. I-PTF iya kuqhutywa kwaye ilawulwe ngendlela efanayo ne-PTC ngokubandakanyeka kwefiduciary enelayisensi yendawo, enje ngeDixcart, kodwa ngoncedo olubalulekileyo lokuba, njengesithuthi seenkedama, ayinabo abanye abanini okanye abalawuli.
Ukongeza, amalungu osapho okanye abanye abacebisi abathembekileyo banokuchongwa kwibhunga le-PTF, elinoxanduva lokusebenza njengotrasti kwiitrasti zosapho ezingaphantsi.
Ulwakhiwo loShishino loSapho
Inkampani yotyalo-mali yosapho yinkampani apho abanini zabelo bethatyathwa kwizizukulwana ezahlukeneyo zosapho olunye. Ukusetyenziswa kwenkampani yotyalo-mali yosapho ikhule kakhulu kule minyaka idlulileyo, ngakumbi kwiimeko apho kuye kwanzima ukudlulisa ixabiso kwi-trust, ngaphandle kokwenza irhafu kwangoko kodwa kukho umnqweno wokuqhubeka nolawulo kunye nefuthe ngaphezulu Ukulondolozwa kobutyebi bosapho.
Olunye ulwazi malunga nezibonelelo zenkampani yotyalo-mali yosapho iyafumaneka kuthi website.
isishwankathelo
Njengokuba abanini-butyebi behamba besuka kulawulo olunye besiya kolunye, ithuba lokuhlengahlengisa ubunini bobutyebi bosapho ngeenjongo zokucwangcisa ngokulandelelana buziveza. Kwangelo xesha, oku kunika ithuba lokuphumeza umbutho wokuqala weofisi yosapho eqhubekayo kunye nombutho ongathath'icala kwimicimbi yosapho.
I-Dixcart isebenza nolwakhiwo ngalunye lobutyebi bosapho ukulungelelanisa unxibelelwano nosapho kunye nokubonelela ngokufikelela, kunye nokunxibelelana, nabacebisi abongezelelweyo abazimeleyo, abaqeqeshiweyo.
Izicwangciso zinokubekwa endaweni ukuvumela utshintsho kubume bosapho kunye nobudlelwane ukuze kwamkelwe. I-Dixcart inokulungelelanisa iiyantlukwano kulwakhiwo ukulungiselela iminqweno yomntu ngamnye kunye nosapho, ngelixa ihambelana nomgaqo-nkqubo weofisi jikelele wosapho.
Ukuba ufuna ulwazi oluthe kratya, nceda uthethe nonxibelelwano oluqhelekileyo lwe-Dixcart okanye komnye wabacebisi abaqeqeshiweyo kwi Guernsey kwaye Isle of Man iiofisi: ingcebiso@dixcart.com.
Nganye yeeofisi ezisithoba kwiqela leDixcart zibonelela ngeenkonzo zolawulo lobutyebi. Ukongeza eGuernsey kunye ne-Isle of Man, iiofisi zeDixcart kwi Sayiprasi kwaye Swizalend banelayisensi yokubonelela ngeenkonzo zentembeko.
I-Dixcart Trust Corporation Limited, eGuernsey: Ilayisenisi epheleleyo yeFiduciary enikezwe yiKhomishini yeeNkonzo zezeMali yaseGuernsey. Inombolo yenkampani ebhalisiweyo yaseGuernsey: 6512.
Ulawulo lweDixcart (i-IOM) limited linelayisensi yi-Isle of Man Financial Services Authority.
