Konke odinga ukukwazi uma usungula i-trust ukuvikela ifa lezizukulwane, kuloba uNokuzola Cossie
KULEZI zinsuku akekho ongakhulumi nge-trust, kwazise abantu bahlale befuna izindlela zokuvikela izimpahla zabo.
Abantu bafuna ukwenza isiqiniseko sokuthi uma kwenzeka befa noma kwenzeka okuthile kubona, umcebo wabo noma izimpahla zabo zonke ziphephile.
Kuhlukene ukukhuluma ezinkundleni zokuxhumana nasemphakathini njengoba kukhona abagqugquzela abantu ukuthi bathenge izimpahla bese bezifaka ngaphansi kwe-trust.
Kolunye uhlangothi kukhona abathi i-trust yenzelwe abantu abacebile. Indlela izeluleko ezitholakala kalula ngakhona, yenza kube nzima ukuthola imininingwane eyiyo ngama-trust.
Zazi ukuthi yini injongo yakho?
Kunenkolelo engeyiyo yokuthi ama-trust yiwona okufanele asetshenziswe ukugcina izimpahla zabantu ziphephile, kusukela emizini yabo nokunye okubathinta ngqo. Ukusebenza kwama-trust kuya ngesimo somuntu. Adinga ukuthi umuntu acabange kahle.
Abantu abaningi basungula ama-trust ngoba befuna ukuhlukanisa umcebo wakho okhulayo nezinto eziqondene nabo ngqo. Inhloso wukushiyela izizukulwane izimpahla nokuqinisekisa ukuthi izimpahla zaso siphephile kodwa uma kungahleliwe kahle futhi nabangamele i-trust, phecelezi ama-trustee, bengakhethwanga kahle noma kungahlukaniswanga izimpahla zomuntu siqu nokufanele zingene kwi-trust kungawenza angasebenzi ngendlela.
Abantu abangamele i-trust
Ngebhadi imindeni eminingi ikhetha abantu abangamele i-trust ngoba ibazi, ingabheki ukuthi bawufanele yini lo msebenzi. Loku kuholela ezingxabanweni, ukukhishelwa ngaphandle kwabamntu abathile nobuhlobo noma ukuthembeka kwabathile okungenza i-trust ingasebenzi kahle.
Sibonile izinhlelo ezinhle zingahambi kahle ngenxa yokuthi abangamele i-trust abangenalwazi lwezimali noma abakwazi ukusebenzisana.
Zibuze ukuthi ungashiya izindaba zakho kubantu abangazi lutho, abangenamava nabanomlando wokudala inxushunxushu. Uma ungeke ukwenze loko, kufanele uthathe isinqumo esifanayo nge-trust yakho.
Phela iwuhlaka oluphilayo, oludinga ukwenganyelwa ngabantu abangathathihlangothi, abakwaziyo ukusebenzisana futhi abazolekelela okufanele bazuze kwi-trust. Kufanele kubengabantu abakwazi ukunaka umsebenzi abawunikiwe futhi bawenze ngobunono.
Ngabe uwumuntu ofanele ukuba kwi-trust?
Noma kungathiwa abangamele i-trust bayawazi umsebenzi wabo kodwa uma oyisungulile engekho esimeni esifanele ngeke iphumelele. Sibonile abasunguli bama-trust benza sengathi izimpahla ezikuwona ngezabo, behluleka wukuhlukanisa izimpahla eziqondene nabo ngqo nezikwi-trust, ikakhulu uma umsunguli we-trust ebuye abengomunye wabayingamele.
Uma ungakwazi ukunika abanye amandla okwenza umsebenzi wabo futhi ufuna izifiso zakho zilandelwe ngaphandle kokuthi ubuzwe ngezinto ezithile, leyo trust ngeke iphumelele. Abangamele i-trust kufanele bakwazi ukuzithathela izinqumo, benze okufanele labo abazohlomula kuyona, hhayi ukuvuna umsunguli wayo.
ENingizimu Afrika ungabanezikhundla eziningi kwi-trust. Ungabawumsunguli, umuntu oyixhasa ngemali, oyengamele nozohlomula kuyona. Kwamanye amazwe ama-trust anemithetho eqinile efuna kuhlukaniswe abasunguli bayingamele. Loku kwenzelwa ukuthi aphathwe kahle, afeze injongo ayesungulelwe yona, kucace ukuthi ubani umsunguli nokuthi amandla akhe aqala futhi aphelele kuphi. Umsunguli kufanele akwazi ukudedela abangamele i-trust ukuthi benze umsebenzi wabo ukuze isebenze ngendlela efanele.
Kufanele kukhunjulwe nokuthi ukuba ne-trust kunentela yakho. Ukucazwa kwezimpahla ezikwamanye amazwe ezizonikwa abantu abaseNingizimu Afrika kuhambisana nentela. Kufanele uthole ulwazi ulwanele ngokusebenza kwentela emazweni ahukene, kusukela lapho unezimpahla khona kuya ezweni elihlala labo ofuna bahlomule ngokuba ne-trust.
Kafushane, uma usungula i-trust kuleli zwe noma phesheya – kufanele wazi ukuthi yisinqumo esizohambisana nezinhlelo zakho sesikhathi eside futhi kufanele sibeke izidingo zabantu ofuna bahlomule phambili.
Kungenzeka ukuthi ufuna ukuvikela izingane zakho, umcelo noma ufuna ukungakhokhi intela eningi noma ufuna ukugcina izimpahla zakho ziphephile, i-trust iyindlela elungile yokwenza loku.
Kufanele isungulwe ngenjongo ethile, ibenohlelo lokuthi izophathwa kanjani, kube ngabantu abanamava.
Ayiyona into yokuchomela abanye ukuthi ususezingeni elithile noma isisombululo esisheshayo kodwa iwuhlaka olubalulekile oluhambisana nezinhlelo zomndeni nezinhlelo zawo zemali.
- UNks uCossie uyinhloko yeFiduciary eStandard Bank Wealth and Investment