Usually the lawyer establish a revocable trust, and trasnfer all asset into the trust. A revocable trust means the owner retains full control of asset in the trust, there is no change of control therefore it is not a tax event in US.
When the owner dies, the revocable trust becomes an irrevocable trust, that's a tax event because there is transfer of control. But in US all asset receives step-up basis so all the capital gain acquired before the death are wiped out. So the asset at the time of death has no capital gain due to step-up basis. The only tax due is estate tax (遗产税),which is 0% for asset under 11 million per person.
1。在想开个信托,放在大的投行,比如fidelity,vanguard.
2。百年后,钱都进信托,只放几个大盘指数
3。孩子是受益人,但每年只给几万。若是生病,可以多给。若是再读书多给。
4。孩子50后,多多给。
还有多的,捐给慈善。
可行吗?如何办呢?
trust?
什么都没弄的(没will 没信托的),家庭关系简单,孩子成年,不小心嗝屁的,继承真会那么狗血花钱吗?(政府收3%)
谢谢大家
信托由银行管,费用高,但是起码人家给你做tax return。
等到孩子50岁么... 孙子都20岁了.... 太晚了吧?该花钱的时候都过去了。孩子30-50岁二十年让银行管信托,费用不菲。
另外还要定一个遗嘱,以防万一有的财产没有转入信托。如果只有信托,没有遗嘱,有的财产又没有转入信托,那么这些财产就是无遗嘱继承(法定继承)。
长时间和收3%?不合理呀。
我也借地问一下,坐标加拿大,关于家庭信托我的会计告诉我,所有的房产转入trust的时候需要按照市场价格计算资产增值,然后交增值税,尽管税费可以分多年缴纳,但是每年也是一笔不小的费用,而且每17年必须重新评估资产价值,再次涉及到税务问题,…感觉基本上就是把以后孩子要交的税现在先交了。所以了解下来家庭信托在加拿大好像也不是一个很好的一个办法,有加拿大的地主们有别的办法吗?还是我了解的不对?
怎样收租上庭啊?法院只承认title 是屋主,还有就是税务会很乱。房子散得到处都是,个人,realty trusts,公司 etc。
攒的三瓜两枣能顺利的传承到后代手中。
谢谢柠檬
呵呵,这不是看到你们美国的大佬每个人都有trust,但是了解后感觉这个trust在加拿大没多大用啊,所以不知道是不是你们说的trust和我了解的加拿大的trust可能不是一回事儿?或者我漏掉了什么?
attorney, 还需要再做Trust吗? 万分感谢!
信托只是一张纸,如果信托不拥有你的财产,信托就是一张废纸。需要转,房产汽车title都要转到trust下面。
living will 仅仅是你昏迷了怎么办。你和你配偶如果不在了,小孩没人管,钱没人管,你的Living Will/POA都不起作用。
Usually the lawyer establish a revocable trust, and trasnfer all asset into the trust. A revocable trust means the owner retains full control of asset in the trust, there is no change of control therefore it is not a tax event in US.
When the owner dies, the revocable trust becomes an irrevocable trust, that's a tax event because there is transfer of control. But in US all asset receives step-up basis so all the capital gain acquired before the death are wiped out. So the asset at the time of death has no capital gain due to step-up basis. The only tax due is estate tax (遗产税),which is 0% for asset under 11 million per person.
根据我最近的了解加拿大的trust如果不是一开始就计划好的作为资产的beneficiary owner,中途要转的话就非常鸡肋
找律师谈需求,设计trust,起草文件,签字设立。
选trustee,一般用自己的家属,也可以花钱找第三方如银行。
trustee用trust名义在fidelity和vanguard开户(他们是券商不是投行),找FA代管账户。
资产转入trust,FA负责投资。Trustee 根据trust文件作资产分配。
大概是这个过程。