The number of people involved in a trust can vary depending on the structure and purpose of the trust. Here are the key roles typically involved:
Grantor (or Settlor): The person who creates the trust and transfers assets into it. There can be one or more grantors.
Trustee: The individual or institution responsible for managing the trust's assets and carrying out the terms of the trust. There can be one trustee, multiple trustees, or even a professional trust company. Sometimes, the grantor and trustee are the same person, especially in revocable living trusts.
Beneficiaries: The individuals or entities who receive benefits from the trust. There can be one or multiple beneficiaries, and they can be individuals, organizations, or even other trusts.
Successor Trustee: This is the person or entity designated to take over the trustee’s responsibilities if the original trustee can no longer serve, due to reasons such as death, incapacity, or resignation.
In summary, a trust typically involves at least three people (grantor, trustee, and at least one beneficiary), but the number can be much larger depending on the complexity and goals of the trust.
论坛上讨论过，10M以上搞家族慈善基金会。每年花出去5%就好，投资收益只需要交1%多一点的税。
但我记得也有坛友说，不需要10M，直接搞不可撤销信托就好。
但Visionary_FP明确说了: "不可撤销信托的收入税高。长期资本收益超过 $14,650 适用20%税率，普通收入超过 $14,450 时适用37%税率"。我简单搜了一下，数字是对的，那这么高的税率把钱放进不可撤销信托也没用啊。
之前说可以搞不可撤销信托的坛友回应一下吧？
Trust tax depends on who pays for the tax... is it Grantor or trust itself?
在美国，建立信托（trust）确实可以帮助在某些情况下减少税务负担，但其具体效果取决于信托的类型和设立的目的。以下是几种常见的信托类型以及它们可能带来的税务效益：
可撤销信托（Revocable Trust）：这种信托允许设立者在生前随时修改或撤销。可撤销信托的主要优势在于避免遗产检验（probate）过程，简化资产传承。但在税务方面，设立可撤销信托并不会减少所得税或遗产税，因为信托内的收入和资产仍然被视为设立者的财产。
不可撤销信托（Irrevocable Trust）：一旦设立后，这种信托不能随意修改或撤销。将资产转移到不可撤销信托中，可以将这些资产从设立者的遗产中排除，从而减少遗产税。同时，信托中的收入可能会被分配给受益人，由受益人按个人税率缴纳所得税，这可能会降低整体税负。
慈善信托（Charitable Trust）：这种信托将资产转移到慈善机构或用于慈善目的。设立慈善信托通常可以享受所得税减免，甚至可能在遗产税和赠与税方面获得优惠。设立者可以在信托中设定一定比例的资产用于慈善事业，从而减轻个人税务负担。
资产保护信托（Asset Protection Trust）：这种信托用于保护资产免受债权人追索。虽然这种信托通常不直接减少税负，但它有助于保护资产免受法律纠纷或债务的影响。
需要注意的是，信托的税务效益通常很复杂，因此在设立信托之前，最好咨询专业的税务顾问或律师，以确保符合所有税务法律和规章，并最大限度地发挥信托的税务效益。
The number of people involved in a trust can vary depending on the structure and purpose of the trust. Here are the key roles typically involved:
Grantor (or Settlor): The person who creates the trust and transfers assets into it. There can be one or more grantors.
Trustee: The individual or institution responsible for managing the trust's assets and carrying out the terms of the trust. There can be one trustee, multiple trustees, or even a professional trust company. Sometimes, the grantor and trustee are the same person, especially in revocable living trusts.
Beneficiaries: The individuals or entities who receive benefits from the trust. There can be one or multiple beneficiaries, and they can be individuals, organizations, or even other trusts.
Successor Trustee: This is the person or entity designated to take over the trustee’s responsibilities if the original trustee can no longer serve, due to reasons such as death, incapacity, or resignation.
In summary, a trust typically involves at least three people (grantor, trustee, and at least one beneficiary), but the number can be much larger depending on the complexity and goals of the trust.
前者的话就必须考虑captial gain tax了
so no capital gain
到底哪个环节是需要交税的？不然遗产就完全避掉了啊。
真没有交税环节的话，付出的代价是啥？设立trust的cost？
所以只有财产非常多时，不可撤销信托里才有意义。
资产没有很多的话，其实不必朝代信托。