Izingane ezikhulisa izingane zodwa ezinezidingo ezikhethekile zidinga ukuhlela okukhethekile mayelana nezidingo zezimali zomzali nengane.
Ezikhathini ezinhle kakhulu, ukukhulisa izingane ongayedwa kungaba umsebenzi onzima ikakhulukazi uma kuziwa endabeni yezezimali. Kulabo mama nobaba abayizingane ezikhulisa izingane zodwa ezinezidingo ezikhethekile, umsebenzi kufanele ube nzima nakakhulu futhi, ngenxa yalokho, udinga ukuhlela okukhethekile ngezidingo zezimali zomzali nengane. Nakhu okufanele kucatshangelwe:
Ukuxhasa imfundo yabo
Yize kunenani lezinketho zokufunda zezingane ezinezidingo ezikhethekile, izinketho zesikole ezizimele zingabiza kakhulu. Izikole ezizimele ezibhekelela izingane ezinezidingo ezikhethekile kanye nokukhubazeka kokufunda zikhokhisa imali yokufunda esukela ku-R6 000 ngenyanga kuya ku-R12 000 ngenyanga, ngaphandle kwezindleko zokunakekela izingane ngemva kwalokho, abazali abaningi abangakwazi ukuzikhokhela. Nakuba kunenani lezikole zikahulumeni ongakhetha kuzo maqondana nesikole esiyisipesheli, uhlobo nezinga lokufundisa kungase kungazifanele izidingo zengane yakho. Ngakho-ke, ukuhlela izindleko zemfundo yengane yakho ngokushesha kuzodinga ucwaningo olucophelelayo kanye nokuhlelwa kwesabelomali ukuze kuqinisekiswe ukuthi kokubili kuyathengeka futhi kuyasimeme esikhathini esizayo. Uma ingane yakho ihlose ukuqhubeka nokufunda, ungase uthande ukucabangela ukubekela eceleni imali ethile inyanga ngayinye ukuze ufeze lezi zinjongo. Kuye ngesikhathi, ungakwazi ukumisa isikhwama se-unit trust esibekelwe imfundo ephakeme yengane yakho noma uvule i-akhawunti yokonga engakhokhi intela ngalezi zinhloso.
Cabangela: Uma ingane yakho ifanelekela ukuthola umfundaze we-NSFAS, ngokwemibandela lapho iholo lakho lonyaka lihlangene lingeqi ku-R350 000 ngonyaka, lokhu kungaba inketho yokuxhasa ngezimali iziqu zengane yakho zeziqu.
Ukuhlela ifa lakho
Njengomzali ongayedwa, ukuhlelwa kwefa kubalulekile ukuze uqinisekise ukuthi ingane yakho inakekelwa ngokomzwelo, ngokomzimba, nangokwezimali uma ungasekho. Ukuhlelwa kwezindlu kungase kube inkimbinkimbi futhi kunezingxenye eziningi okudingeka zisebenze ndawonye ukuze kuzuzwe izinjongo zohlelo lwezindlu, ngakho-ke lokhu kufanele kwenziwe ngokuqondiswa uchwepheshe kulo mkhakha. Esimweni sokuqala, uzodinga ukuqinisekisa ukuthi unencwadi yefa esebenzayo nokuthi igcinwe endaweni ephephile ngolwazi lomngane omethembayo noma ilungu lomndeni.
Ama-trust eTestamente
Kubalulekile ukuqinisekisa ukuthi incwadi yakho yefa iyakuhlinzekela ukwabiwa kwefa lakho ukuze kuvikelwe izintshisekelo zengane yakho. Ngokomthetho wethu, noma iyiphi ingane eneminyaka engaphansi kweyi-18 ayikwazi ukuthola isamba sesamba noma ezinye izimpahla ngokuqondile njengoba ingabhekwa njengabanamandla asemthethweni maqondana nalezo zimpahla. Ukuze uqinisekise ukuthi izimpahla ezihloselwe ingane yakho encane zivikelekile, kuyatuseka ukuthi umise i-testamentary trust. Lolu hlobo lokwethenjwa lusungulwe encwadini yakho yefa futhi luba khona kuphela uma kwenzeka ushona, ngemva kwalokho noma iyiphi impahla ehloselwe izingane zakho ezincane iyogcinwa kuze kube yilapho ifinyelela iminyaka eminingi noma iminyaka emisiwe. Uma ingane yakho ingakwazi ngokwengqondo noma ngokomzimba ukuphatha izindaba zayo futhi ihlangabezana nemibandela ebekwe ngokweSigaba 6B (1) soMthetho Wentela Yengeniso, i-trust ingase ifaneleke njenge-Special Trust Type A ejabulela izinzuzo ezibalulekile zentela. Imibandela yokufaneleka ihlanganisa ukuthi ingane yakho kufanele ukuthi itholwe uchwepheshe wezokwelapha futhi isimo kufanele sibe unomphela.
Cabangela: Uma isimo sengane yakho enezidingo ezikhethekile siwukuthi izokwazi ukuphatha izindaba zayo uma isikhulile, khona-ke i-testamentary trust ingaba ithuluzi elifanele lokuhlela indawo. Ngokwesibonelo, uma ingane yakho ikhubazekile ngokomzimba kodwa inamandla aphelele engqondo, khona-ke i-testamentary trust eklanyelwe ukuvikela isithakazelo sayo ngenkathi isencane ingase ibe inketho efanelekile.
Amathemba aphilayo
Kuye ngezimo zakho, ungase ucabange ukumisa I-Special Trust Type A ngenkathi usaphila nengane yakho enezidingo ezikhethekile njengomzuzi we-trust. Lolu hlobo lokwethenjwa lusebenza kahle kakhulu uma kuziwa ekugcinweni kwempahla ephephile egameni lezingane ezingeke zikwazi ukuphatha izindaba zazo. Ibhizinisi elinjalo lizojabulela izinzuzo ezifanayo zentela kanye nenzuzo yemali yenzuzo elingana ne-testamentary trust kodwa izophathwa abaphatheli bakho abamisiwe usaphila. Uma kwenzeka udlula emhlabeni, abaphathiswa bazoqhubeka nokuphatha ukwethenjwa ngendlela ezuzisa kakhulu ingane yakho. Khumbula ukuthi i-trust ingathatha umshwalense ngempilo yakho, imali etholwa yipholisi ikhokhelwe kwi-trust uma kwenzeka ushona, ngaleyo ndlela inikeze i-trust imali eyanele yokuqhubeka nokumboza izindleko zokuphila nezokwelashwa kwakho. ingane emva kokufa kwakho.
Cabangela: Udinga ukwethemba ngokuphelele ukuthi abaphathiswa bakho obaqokile bazophatha ukwethemba okuzuzisa ingane yakho uma usuhambile. Ngakho-ke, cabangisisa lapho ukhetha ama-trustee akho, uqinisekisa ukuthi okungenani oyedwa wabaphathiswa unolwazi oludingekayo lwezezimali lokuphatha izimpahla ze-trust. Ngaphezu kwalokho, kuyatuseka ukuthi uqinisekise ukuthi okungenani oyedwa wabaphathi bakho uyilungu lomndeni eliseduze noma umngane ongamethemba ukuthi angakhulumela ingane yakho futhi aqinisekise ukuthi inhlalakahle yayo engokomzwelo nengokwenyama iyanakekelwa.
Ukugada
Uma kunguwe wedwa umnakekeli wengane, kufanele uqinisekise ukuthi uqokela umnakekeli osemthethweni wengane yakho encane ngokwencwadi yakho yefa. Kubalulekile ukuqaphela ukuthi nakuba umnakekeli wengane kuwukuqokwa okusemthethweni, isikhundla sokuba ngunkulunkulu akusona. NgokoMthetho Wezingane, unelungelo lokuqokela umnakekeli osemthethweni wengane yakho encane encwadini yakho yefa, ukhumbula ukuthi umuntu oqokiwe kufanele asamukele ngokusobala isikhundla - ngakho qiniseka ukuthi uxoxa ngalolu daba nalowo omgadile kusengaphambili. Uma kwenzeka ushona, umnakekeli oqokiwe uzonikezwa ukunakekela kwengane yakho futhi uzothola izibopho namalungelo obuzali agcwele.
Cabangela: Uma uqoka abazali bakho njengabanakekeli abasemthethweni bengane yakho encane, khumbula ukuthi abazali bakho bangase bafinyelele esigabeni lapho bengasenakukwazi ukunakekela ingane yakho ngokomzimba. Ngaleso sikhathi, ungase ufune ukubuyekeza incwadi yakho yefa bese uqoka omunye umnakekeli.
Ukuvikela ubungozi bakho
Njengomondli oyedwa, ukwenza ilungiselelo uma kwenzeka ushona noma ukhubazeka ngokwemvelo kuyoba phezulu engqondweni. Uma nganoma yisiphi isizathu, ukhubazekile ngenxa yokugula noma ukulimala futhi awukwazi ukwenza imali engenayo, inzuzo yokuvikela imali engenayo iyindlela enhle kakhulu yokuthola imali engenayo ngesikhathi ungasebenzi. Ngokuvamile, izinzuzo eziningi zokuvikela imali engenayo zingahlelwa ukuze zikunikeze imali engenayo esikhundleni sokukhubazeka kwesikhashana noma unomphela. I-life cover ingasetshenziswa ukuze kuqinisekiswe imali eyanele yefa lakho ukuze ubhekane nezindleko zokuphila nezokwelashwa eziqhubekayo zengane yakho, nakuba qaphela ukuthi ngokuvamile akusaluleki ukukhetha ingane encane emshwayileni wakho wempilo. Noma yimaphi amanani entengo emali ashiyelwa ingane esemncane ifa ayophathwa Isikhwama Sababheki futhi iqondiswe egameni lengane yakho ize ibe neminyaka engu-18 ubudala, futhi inzalo ngokuvamile impofu. Uma umise i-testamentary trust encwadini yakho yefa, indlela engokoqobo yokuvikela inzuzo yaleyo pholisi kungaba ukuqoka i-trust njengomzuzi wepholisi.
Cabangela: Njengoba ingane yakho ikhula futhi nenani lakho likhula, ungase ukwazi ukunciphisa inani le-life cover onayo. Noma yikuphi ukonga kwe-premium kungaqondiswa kabusha ekukhuliseni uxhaso lwakho lokutshalwa kwezimali noma ukukhokha isikweletu esiphansi.
