Ubutyebi kunye noCwangciso lweRhafu yeLifa: IiNdlela eziCwangcisiweyo zokuGcinwa kunye noKugqithisela ubutyebi bakho.
Ukucwangcisa ikamva lobutyebi bakho akukhona nje ukusebenza kakuhle kwerhafu okanye izakhiwo zomthetho; imalunga nokukhusela okona kubaluleke kakhulu kunye nokudala ilifa elibonisa ixabiso lakho. Ukucwangciswa komhlaba okucingisisiweyo kukwenza ube nentembelo yokuba izinto zakho zexabiso azikhuselwanga nje kuphela kodwa zikwabekwe ukuze kungenelwe intsapho yakho ngeendlela ezinentsingiselo. Ikuvumela ukuba ulawule indlela ubutyebi bakho obudluliselwa ngayo, uqinisekise ukuba uxhasa isizukulwana esilandelayo ngelixa unciphisa imingcipheko engeyomfuneko okanye irhafu.
Apha ngezantsi zezinye zezona zixhobo zisetyenziswayo kucwangciso lwamafa, kunye nezibonelelo ezinokunikezela.
1. IiNkampani zoTyalo-mali kuSapho (FICs)
INkampani yoTyalo-mali loSapho yinkampani yabucala esetyenziselwa ukubamba nokulawula ubutyebi bosapho. Bavumela abantu ukuba batshintshe izinto zabo ukusuka kwimihlaba yabo ukuya kwisakhiwo seshishini ngelixa begcina ulawulo lwezo asethi, kubandakanya nezigqibo malunga nokwakhiwa kwebhodi.
Nangona kunjalo, ingaphezulu nje kwemoto yokubamba. Ukuba abaBaseki baboleka imali kwi-FIC, imali-mboleko inokubuyiselwa ngokuthe ngcembe kusetyenziswa iingeniso ze-FIC zasemva kwerhafu, ecaleni kwazo naziphi na izahlulo ezisasazwa kwimivuzo yayo. Eli lungiselelo linokunika abaSeki umzila oqhubekayo wengeniso.
Kungenjalo, ukuba inkunzi yemali mboleko ayisafuneki, abaSeki basenokukhetha ukunikela ngexabiso layo kwamanye amalungu osapho. Oku kuya kulisusa ixabiso lemali-mboleko kwindawo yabo erhafiswayo ngeenjongo zeRhafu yeLifa, ukuba baphila iminyaka esixhenxe emva komhla wesipho.
Kukho inani leenzuzo zerhafu ezinokubakho xa usebenzisa ii-FICs, kuquka iRhafu yeLifa, kodwa ezi ziya kwahluka ngokuxhomekeke kubungakanani botyalo-mali/imali-mboleko, ii-asethi ezigcinwe yi-FIC, kunye neemeko zobuqu zabaSeki. Kubaluleke kakhulu ke ngoko ukuthetha nengcali yerhafu kwasekuqaleni, enokunika isikhokelo malunga nokufaneleka kwerhafu ye-FIC, elungiselelwe iimeko ezithile kunye neenjongo zoMseki ngamnye olindelekileyo.
2. Trust Izakhiwo
Babonelela ngesakhelo esicwangcisiweyo sokulungelelaniswa kokudluliselwa kobutyebi kunye neenjongo zexesha elide zosapho kunye neenqobo ezisemgangathweni, okwenza abathenjwa ukuba balawule kwaye basasaze ii-asethi ngendlela enenjongo kunye nesicwangciso. Kwangaxeshanye, iitrasti zinokunika ukomelela ngokuchasene nokuhlaliswa koqhawulo-mtshato, amabango omntu otyalwayo, okanye izigqibo zezemali ezingenangqondo, ngeli lixa ziququzelela ukukhutshelwa ngaphandle komthungo kwee-asethi ezithintela ukulibaziseka kunye nokuphononongwa koluntu kwi-probate. Xa zidityanisiwe kwisicwangciso esibanzi, iitrasti zisenokuphucula ukusebenza kakuhle kwerhafu, ukunceda ukunciphisa ukuvezwa kwirhafu yelifa kunye nenzuzo enkulu ngelixa kugcinwe imfezeko yelifa losapho.
Iitrasti zinokusekwa ngexesha lobomi bomntu okanye ngeMyolelo, kunye nee-asethi ezigqithiselwa kubaphathiswa abazilawulayo ukuze kuxhamle abaxhamli abakhethiweyo.
3. Ukuphiwa ubomi bonke
Isipho sobomi bonke sisicwangciso esongezelelweyo esidibanisa ukusebenza kakuhle kwezemali kunye nefuthe lobudlelwane. Ngokutshintshela ii-asethi ngexesha likabani lobomi, iintsapho zinokulinciphisa ekugqibeleni ilifa elirhafiswayo. Ukunika izipho kukwavumela ukutshintshelwa kancinci kancinci kobutyebi, kuncitshiswe ukuphazamiseka okukhawulezileyo kutshintsho lwezemali kusapho kunye nokukhuthaza ulwazi lwezezimali kwizizukulwana ngezizukulwana.
Izipho ezenziwe ngokwaneleyo kwangaphambili zisenokuwela ngaphandle kwempahla ngeenjongo zerhafu yelifa, oko kukhulisa ukusebenza kakuhle kwexesha elide loko kudluliselwa.
4. UCwangciso lweRhafu oluBanzi
Kwisiseko sazo zonke ezi zicwangciso kukho ucwangciso olubanzi lwerhafu. Ukulungelelanisa iimali zobuqu, usapho, kunye nezeshishini ngendlela epheleleyo kubalulekile ekulondolozeni nasekukhuliseni ubutyebi. Ukucwangciswa okusebenzayo kuqinisekisa ukuba zonke izibonelelo ezifumanekayo kunye nezihlanguli zonyuswe kakhulu, zinciphisa ngobuchule ukuchanabeka kwirhafu yengeniso, irhafu yeenzuzo ezinkulu, kunye nerhafu yelifa, kwaye, kwiintsapho eziqhagamshelwe kumazwe ngamazwe, kunciphisa umngcipheko wokurhafiswa kabini.
Ngathi
I-Dixcart yase-UK inamava abanzi ekuyileni izicwangciso zezindlu ze-bespoke zoluhlu olubanzi lwabaxumi, kubandakanya iintsapho, oosomashishini, kunye nabantu base-UK nabangengabo abase-UK. Azikho iimeko zimbini ezifanayo, yiyo loo nto sithatha ixesha lokuqonda izinto ezibalulekileyo kuwe, ishishini, kunye nosapho lwakho phambi kokuba wenze isicwangciso esilungiselelwe iimfuno zakho.
Ngolwazi oluthe vetshe malunga nesi sihloko singentla, nceda uqhagamshelane nathi: advice.uk@dixcart.com.
