Inkampani ye-Offshore Information

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I-Akhawunti Yebhange Lase-Offshore: Kuyini? Kungani Unayo?

Isahluko 1


I-Akhawunti ye-Offshore Bank

Into yokuqala okufanele uyiqaphele uma ucabangela amabhange ase-offshore ukuthi kufana kakhulu nokubhanga phansi komgwaqo. Ungabuka i-akhawunti yakho online. Ungakudlulisa ukudluliselwa kwe-wire yasebhange ngaphakathi nangaphandle kwe-akhawunti yakho. Amabhange amaningi aphesheya kwezilwandle anamakhadi wedebithi ahambisana ne-akhawunti. Ngaphezu kwalokho, izinkampani zangaphandle zenkonzo zinikezela amakhadi wedebithi e-offshore akhokhelwa ongawaxhumanisa ne-akhawunti yakho yaphesheya.

Njengoba wazi, i-akhawunti yendawo ayiqukethe izingcezu ezincane zemali ebekwe emgodini we-cubby onegama lakho kuyo. I-akhawunti yakho yasebhange imane nje iyikhompyutha ye-computer kunethiwekhi yebhange elekelwa kumaseva emhlabeni jikelele.

Uma kufanele uhambele kwelinye izwe eholidini, usazokwazi ukufinyelela i-akhawunti yakho, ukhiphe imali, njll. Ngokufana, i-akhawunti yakho yasebhange phesheya iqukethe ikhodi yekhompyutha; kungenzeka igcineke kwinethiwekhi efanayo yamakhompyutha yomhlaba wonke njengebhange lakho elinomakhelwane.

Ngakho-ke, akunandaba ukuthi ubeka phansi ekhoneni noma ngaphesheya kweplanethi. Noma iyiphi indlela, imali yakho isendaweni efanayo: kunethiwekhi yamakhompiyutha yomhlaba.

Ibhange Liphephile

Ukuphepha kwebhange lase-Offshore

Mayelana nokuphepha kwasebhange, khumbula ukuthi kunezindinganiso zezimali zomhlaba wonke okufanele amabhange ahlangane nazo. Okusho ukuthi, ngaphambi kokuthi ibhange lamukele abadiphozi abavela phesheya kufanele liphumelele izivivinyo ezithile zokucindezelwa ngokwezezimali. Isibonelo, ngaphambi kokuthi ibhange laseBelize, Nevis, Cook Islands, Switzerland noma iCayman Islands lidlulise ukudluliselwa kwezingcingo ngamadola aseMelika, ngokuvamile lidinga ukuthola ibhange lezentengiso laseMelika. Ukuthola ubudlelwane bebhange elihambelana nalokho kuthwala izidingo ezithile. Isibonelo, kufanele kufakazele isikhungo sase-US ukuthi isilinganiso saso sezezimali sihambisana namazinga aqinile amazwe. Ngaphezu kwalokho, kumele ngokuqhubekayo zidlule lezi zivivinyo ukuze zigcine ubudlelwane.

Ngaphezu kwalokho, kunemithetho kahulumeni eqinile ngaphakathi kwalelo nalelo mthetho. Isidingo esisodwa esinzima nesisheshayo ukuthi amabhange kufanele alondoloze imali eningi ukuze kuqinisekiswe ukuphepha komdwebo. Ngaphezu kwalokho, abalawuli bahlala behlola amabhange. Lokhu kusiza ekuqinisekiseni ukuthi amabhange aqhubeka nokuthobela futhi aphakamise udumo lwalezi zikhungo ezidumile zezezimali. Kukhona imikhawulo ngenombolo, inani nokuphepha okudingekayo ekubolekweni nasebhange okutshaliwe. Kunezidingo zokubika zekota. Futhi, izikhulu zasebhange kufanele zidlulise amasheke amakhulu ngemuva ngaphambi kokuthola ukuholwa yisikhungo.

Vula i-Akhawunti ye-Offshore

Okujwayelekile Nemigomo

Kunezinhlaka zomhlaba jikelele zokulawula amabhange. Lezi yizindinganiso okumele wonke amabhange emhlabeni wonke azilandele ukuze adlulise imali phesheya. Lokhu kufaka phakathi iBasel III. I-Basel III isethi eningiliziwe yezindinganiso. Ikomidi le-Basel on Banking Supervision lenze lezi zindinganiso ezijwayelekile kulo mkhakha. Inhloso yawo ukuqinisa nokuhlanganisa umthetho, ukuphatha kanye nokuphatha ubungozi embonini yamabhange emhlabeni jikelele. Inhloso yalezi zilinganiso ukwenza okulandelayo;

  • Thuthukisa ikhono lemboni yasebhange lokubamba izingxabano ezibangelwa ukucindezeleka kwezezimali nezomnotho, kungakhathaliseki ukuthi ungumthombo
  • Thuthukisa ukuphathwa kwezinhlekelele, ukusebenza nokuqondisa
  • Qinisekisa ukukhanya kwamabhange nokudalulwa

Kunamazinga omhlaba wonke we-Liquidity Coverage Ratio namathuluzi wokuqapha ubungozi okufanele amabhange abe nawo. Isebenza lokhu ngokwenza isiqiniseko sokuthi isikhungo sasebhange sinenani elanele lezimpahla ezisezingeni eliphezulu ezingenakubalwa (HQLA). Lezi yizimpahla ibhange ezingaguqula kalula futhi ngokushesha zibe yimali. Izikhungo zingaphendukela ezimakethe zangasese ukuze zihlangabezane nezidingo zalo zokuphelelwa amandla kwesikweletu se-30 sosuku lwekhalenda. Kukhona izidingo ze-Net Stable Funding Ratio. Lawa mazinga adinga ukuthi amabhange agcine iphrofayili yokuphepha evikelekile yesikhathi esifushane neyesikhathi eside.

Abantu Basebhange Ngaphandle

I-Offshore yaseBhange ivamile

Ibhange lase-offshore livame kakhulu. Kubikwa ukuthi izakhamizi ezingaphezu kwe-2.7 million zase-US ama-akhawunti ase-offshore. I-Offshore banking akuyona i-1% ephezulu kuphela. I-Banking offshore itholakala kunoma ngubani futhi wonke umuntu ofuna ukusebenzisa inzuzo ehlukahlukene. Amabhange amaningi aphesheya anikezela ngamanani wediphozithi aphansi. Ngakho-ke, benza inketho ebonakalayo kunoma ngubani onesifiso sokusetha i-akhawunti phesheya.

Ngaphezu kwalokho, izinzuzo zokuba ne-a akhawunti yasebhange ye-offshore hamba ngale kokunye amathuba okutshala imali futhi ufihle izimpahla zakho. Lezi zinzuzo zithinta umuntu ojwayelekile futhi zingathuthukisa kakhulu ulwazi lwakho lwebhange lansuku zonke. Ngokuya kwezokuphepha, ukufinyeleleka, ukwenza lula, kanye nokuthula kwengqondo, kungabonakala ukuthi ukubhengeza kude nolwandle yisisombululo esifanelekile. Zedlule izinsuku zokucabanga kwamabhange angaphandle njengezikimu ezithile ezikude, ezinengqondo zokubalekela intela zokucasha kuhulumeni wakho wasekhaya. Ngokuphambene nalokho, kungokomthetho, ngokuziphatha nangokuziphatha lapho kwenziwa kahle. Ngaphezu kwalokho, kuyindlela engokoqobo, esebenzayo, futhi eqhubekayo etholakalayo kubo bonke abazimisele ukuyisebenzisa ngokunenzuzo.

Ulwazi olubanzi

Kungani Kufanele Ufunde Okungaphezulu?

Iningi labantu baseMelika alazi ukuthi kuyini ngempela ukubhengezwa kwamabhange olwandle. Kepha, maye, manje yisikhathi sokuqala ukufunda iqiniso ngayo. I-Offshore banking ukusetshenziswa kohlelo lwamabhange esizweni esihlukile kunaleso enihlala kuso; kuhle kakhulu endaweni enamandla eqinile. Kunezinzuzo eziningi zezezimali nezingokomthetho zokubhanga kude nolwandle. Lokhu kungahle kubangelwe ngumnotho kumazibuko. Kungahle kube ngenxa yohlelo olubi lokugcina lwemigwaqo oluhlanganiswe kuhulumeni olungene ezikweletini kakhulu, njengase-USA. Ngenye indlela, kungenzeka, njengoba kube nokuhluleka kweWashington Mutual, amabhange amakhulu amakhulu ahluleka ukuhlolwa kwengcindezi.

Ngakho-ke, kubonakala kunesidingo sokuqala ukubhengeza ukubhengeza njengokhetho olusemthethweni. Njengoba izinhlelo zasebhange laseMelika kanye nezaseYurophu eziningi zenziwe ngokweqile, okungenani, ungafuna nokubheka lezi zizathu esizoxoxa ngazo ngezansi.

Imoto Wallet

diversification

Ukubhanga kude nolwandle kunikeza ukwehlukaniswa kwemali ngemali oyilondolozile. Lokhu kusebenza kakhulu ekugcineni iphothifoliyo ephephile, ehlala isikhathi eside yokutshala imali. Ambalwa kakhulu amabhange asekhaya anikezela ngezinketho zokubamba imali ehlukahlukene. Ukubamba impahla phesheya kwezimali ezahlukahlukene kuvumela umuntu ukuthi athathe inzuzo yokugxuma ekushintshashintsheni kwemali. Ngemuva kwenhlekelele ye-9 / 11, abantu abaningi bavule ama-akhawunti asebhange laseCanada futhi baguqula amadola aseMelika aba ngamadola aseCanada. Iningi lenze inzuzo enhle ye-30% njengoba idola laseMelika laliqinisiwe nelaseCanada liqiniswa. Ngakho-ke, ukubamba imali ehlukahlukene kungashintshanisa utshalomali, kunikeze inzuzo ephakeme ezimeni ezithile zemakethe kanye nobungozi obuphansi.

Izimakethe Zakwamanye Amazwe

Izimakethe Zakwamanye Amazwe

Ivumela ukugeleza okungafani kwezimali. Kuyafaneleka futhi ukucabanga ukuthi ngenkathi i-US isenkingeni kwezomnotho e2008, imakethe yase-Asia yayikhula. Ukunciphisa umkhawulo kwebhizinisi lakho kukuvimbela ekhaya. Ngakho-ke, ungafuna ukuvuna izinzuzo zezomnotho ezenza kahle ngenkathi umnotho wakho wasekhaya ungase ungabi njalo. Eqinisweni, ungacabanga ukusungula ama-akhawunti angaphezulu kweyodwa. Ngakho-ke, ungaziqinisekisa ukuthi usebenzisa ngokugcwele imithetho efanele yasebhange laphesheya. Isibonelo, eSwitzerland, amabhange futhi angamafemu okuphatha utshalomali. Amabhange aseSwitzerland eza nabanye abaphathi bemali abaphezulu emhlabeni. Ngakho-ke, umhleli wezezimali esikhungweni angaphakamisa iphothifoliyo enikeza inhlanganisela enhle yokukhula nokuphepha. I-US ibeka umkhawulo wenombolo yezentengiso lapho umhwebi wosuku angahlanganyela khona. Ukuhweba kude nolwandle kususa le cap.

Izithakazelo Amanani

Izithakazelo ezingcono kakhulu

Amabhange e-US ngokuvamile anikela ngenzalo ephansi kakhulu kuma-deposithi. Isibonelo, ngamanani wamakethe wamanje, uma ngabe ufaka u- $ 1,000 USD ngoJanuwari, uzokwenza inzalo kuphela ye- $ 10 yonyaka. Abanye bangazizwa banelisekile, noma bajabule ngokwengeziwe ukwenza imali ethile abayibekile. Kodwa-ke, uma uqhathanisa lokho namanye amabhange aphesheya, ungathola amanye amanani aphakeme kakhulu wenzalo yakho kude nolwandle. Sikhuluma ngentshisakalo eyanele ukwenza ukuthi usethe i-akhawunti ngokususelwa kule nzuzo kuphela. Izindawo ezinjenge-Australia, iSwitzerland, iNetherlands neFrance kungenzeka zinganikeli kuphela ngenzalo enkulu kumadiphozithi akho, kodwa futhi zibhalwe njengekhaya kwamanye ama amabhange aphephile emhlabeni jikelele.

Ukudlisa imali ngebhange

Hambisa Imali Ngokushesha

Kanye nokuhlukanisa izimpahla zakho, nokuba ne-akhawunti encane ye-offshore ikuvumela ukuba uhambe ngokushesha. Abanikazi bama-akhawunti aphesheya kwezilwandle banokuguquguquka kokuhambisa imali yabo, uma kudingeka. Isibonelo, ungaba sesimweni lapho ukuvikelwa kwempahla kusuka emthethweni kudingeka. Ngaphezu kwalokho, ungahle ube nokuthengiselana okujwayelekile kumicimbi yamabhizinisi aphesheya. Zombili lezi zinto eziyisisekelo zibalulekile zodwa.

Ngale migqa, futhi siyazi ukuthi amabhange asekhaya avame ukugcina imali ekhawulelwe kakhulu yokukhishwa. Lokhu kwenza kube nzima ukufinyelela kalula yonke imali yakho ngokushesha. Inselelo ukuthi lapha kunezimo eziningi lapho lolu hlobo lokukhawulelwa lungabulala khona ngokuvikelwa kwempahla. Kungani lokhu kubalulekile? Nakhu. Kuthiwani uma ungakwazi ukukhipha imali yakho ngokushesha? Okusho ukuthi, ungaba nommeli emgqeni ongemva kwakho ofuna ukukhulula i-akhawunti yakho kuze kufike lapho ibhange liyihambisa.

Ngakho-ke, ukuba ne-akhawunti kude nolwandle kubopha izandla zomphikisi wakho. Ungahambisa imali yakho ngokushesha futhi / noma ube nesinyathelo sokuphatha ogwini lolwandle ukukuvikela.

ukungaziphathi kahle

Amanga

Mhlawumbe ukungaqondi kahle okuvamile kwebhange lase-offshore kufihla impahla evela kumuntu wentela. Eqinisweni, lokhu akuvamile ukuba yiqiniso, njengamabhange ase-offshore ajwayelekile ekusetshenzisweni kwentela. Lokhu kuthiwa, kunezindlela ezithile zokugcina ubumfihlo obukhawulelwe uma usebenzisa i-akhawunti ye-offshore. Noma yikuphi ukufuduka kweMelika $ 10,000 I-USD noma ngaphezulu, nganoma yisiphi isikhathi, kufanele ikubike. Noma kunjalo, kungenzeka ukuthi ube ne-akhawunti engaphansi kwe- $ 10,000 USD ngaphandle kokubika. Kodwa-ke, kudingeka ubike uma ngabe usayina kwi-akhawunti yakwamanye amazwe. Noma kunjalo, sincoma kakhulu ukuthi ukhulume nomeluleki wakho wentela.

Amazwe Anezinkampani Ezizimele

Ama-Safest Banks aMazwe ngamazwe

Ukuhlangenwe nakho kwebhange okuphephile. Uhlelo lokugcina lwemifelandawonye oluxhasa amabhange ase-US nalo luxhaswe izwe eligcwele izikweletu emhlabeni. Ngaphezu kwalokho, izincwadi ezisezingeni eliphezulu zezimali zikhiphe uhlu lwamabhange aphephe kakhulu emhlabeni jikelele; kwakungekho namabhange ezwe laseMelika. Lutho neze. Thatha i-Global Finance Magazine, ngokwesibonelo, Bakhipha uhlu lwamabhange aphephe kakhulu we-50 minyaka yonke. Into emangazayo ukuthi ayisho noma yiliphi ibhange elikhulu laseMelika. Njengalokhu kubhalwa, okuwukuphela kwamabhange aseMelika asohlwini “oluphephe kunazo zonke” ngamabhange amancane okulima, abhala ezinombolweni u-30, 45 kanye ne-50.

Ngokuya kwe-Global Fiance, nangu amazwe anamabhange aphephe kakhulu:

  • Germany
  • Switzerland
  • Netherlands
  • Norway
  • Luxembourg
  • France
  • Canada
  • Singapore
  • Sweden

Kwamazwe angenhla, yiSwitzerland neLuxembourg kuphela ezovula ama-akhawunti ngaphandle kwesidingo sokuhambela izwe. Ukufakwa kwemali okuncane kakhulu. Umgcini webhange ngokugcina uzokuvakashela mathupha.

Emhlabeni jikelele, kepha, kulula ukuthola amabhange emazweni akweletayo aphansi anga (futhi ongeke) abambe imali yakho. Ngenxa yalokho, bayakwazi ukugcina imali ethe xaxa ukukhishwa kwakho. Uma uyibeka ngokwemigomo yokutshala imali, ubuyofuna kuphi ukupaka imali yakho? Lapho inkampani ibhukuda ngokheshi? Noma umuntu ushona esikweletini? Amazwe anjengeSwitzerland neLuxembourg anemithetho eqinile yasebhange. Basebenzisa “amasheke namabhalansi” kuyo yonke inqubo yokubalwa kwezimali yasebhange. Amanye amabhange amaningi aphesheya kwezilwandle namazwe anezinhlelo ezifanayo. Lezi zinhlelo zisiza ekuqinisekiseni ukuthi abantu ababheke ebhange phesheya kwezilwandle bangakwenza lokho ngokuphephile nangokuzwakalayo.

Ukuvikela i-Bitcoin Wallet

Ezokuphepha Okukhulu

Ngaphezu kwalokho, ochwepheshe abaningi bokuvikelwa kwempahla bathi, lapho usebhange phesheya kwezilwandle awukhange uthandeke ezinkantolo ngaphakathi. Okusho ukuthi, uma ubopha i-chunk yempahla yakho kuma-akhawunti aphesheya kwezilwandle, kunzima kakhulu ukuthi umphikisi wakho awuthathe. Lokhu kungenzeka kungabi yinkathazo yawo wonke umuntu; kodwa khumbula ukuthi kunzima ngokwengeziwe ukuthi umuntu akhulule ama-akhawunti akho ngesankahlu uma ehleli emabhange aphesheya. Ngokuphepha kwesikhathi eside, ochwepheshe batusa ukubamba i-akhawunti yakho enkampanini engasogwini kanye / noma ukwethenjwa. Ukubamba imali kulawa mathuluzi akunikezi kuphela ubumfihlo. Banganikela nokuvikelwa okusemthethweni okukhulu uma umyalo wenkantolo ufuna ukuphindiselwa kwezimali.

Izihlahla zePalms zase-Offshore ezihamba phambili

Ukusetha i-Akhawunti ye-Offshore

Lokhu ngeke kusimangaze kakhulu. Kuya ngokuya kuba nzima ngokwengeziwe kubantu baseMelika ukusetha ama-akhawunti aphesheya kwezilwandle. Lolu lwazi luhlobene kakhulu. Ngakho-ke, kubalulekile ukucela uchwepheshe onolwazi ukuze akutholele ibhange elihle kunazo zonke. Leyo yinkonzo enikezwa yinhlangano yethu. Siyazi ukuthi imaphi amabhange azokwamukela amaklayenti aphesheya. Simagange lapho amabhange esibona sengathi anamandla futhi aphephile futhi anikela ngezinsizakalo ezikhangayo kakhulu.

ama pasports

Ezinye izinto okufanele uzibheke:

  • Ukutholakala kwamakhasimende aseMelika. Akuwona wonke amabhange asemukela amaklayenti aseMelika, eCanada naseYurophu.
  • Amandla wokuvula i-akhawunti ukude. Kukhona amanye amabhange aphesheya anezinketho zamakhasimende ukuvula ama-akhawunti online noma ngocingo. Ngokwemvelo, uzodinga futhi unikele ngemibhalo edingeka ngokwasemthethweni yeklayenti lakho. Amanye amabhange adinga ukuthi uvakashele ibhange lawo ngqo ukuvula i-akhawunti. Lokho kusho ukuthi, amanye alawo mabhange anamagatsha asekhaya. Ngakho-ke, abanye bazokuvumela ukuthi usethe ama-akhawunti aphesheya kwezilwandle ngegatsha lendawo. Inkinga ukuthi izinkantolo zase-US zinamandla phezu kwamagatsha endawo. Ngakho-ke kubalulekile ukusebenzisa ibhange elingenazo izindawo ezihambisanayo zase-US.
  • Amanani amancane. Amabhange amaningi adinga idiphozithi elincane ukuvula i-akhawunti (okuya ngokwasekhaya nakwamanye amazwe). Ngakho-ke uzofuna ukufuna ibhange okungenani ngesizathu sakho.
  • Amabhange anamakhasimende endawo kanye namakhasimende angaphandle. Ungaqiniseka ukuthi ibhange elinikezela izinsizakalo kubantu bendawo lizocutshungulwa kahle. Ibhange elinamakhasimende aphesheya kuphela, livame ukubizwa ngokuthi ibhange le- “Class B”. Lawa mabhange anganakwa kalula ngabalawuli. Amabhange e- "Class A" angavuma ukwamukela abakhongi basekhaya nabangaphandle.

Ukubuyiselwa Kwentela

Imininingwane yentela

Amabhange amaningi aphesheya anemithetho eqinile yobumfihlo futhi ayivezi imininingwane ye-akhawunti. Ukubikwa kwentela, noma kunjalo, kuyinkinga ehlukile. Izikhungo zezimali zomhlaba wonke zinesibopho sokugcwalisa amafomu athile kubahlali base-US nezakhamizi. Ukwenza lokhu kuyabasiza ukuthi bahambisane nemithetho yentela yase-US. Isibopho sikhona nomnikazi we-akhawunti ukusibika kahle. Lapho usetha i-akhawunti yasolwandle futhi uzofuna ukugcina imithetho eyisisekelo yentela ikhumbula. Kubalulekile ukuqaphela, ngendlela, lokhu kusho ukuthi kube wusizo oluwusizo kuphela hhayi izeluleko zentela. Kungashintsha. Ngakho-ke, qala ngokufuna izeluleko kumgcini zimali onelayisense. Lokhu kushiwo, kunconyelwa ukuthi abantu baseMelika bakhumbule okulandelayo.

imithetho yasebhange

Imithetho yase-US

  • Kumelwe ubike yonke imali yomhlaba wonke. Lokhu kusebenza ngisho noma ukhokhela intela yangaphandle kumholo wakho. Ukugcina imali ngaphesheya futhi ukukhokha intela kuphela uma uyibuyisela emuva ku-1964. Izinkampani ezinkulu ezinesisekelo sabaninimasheya abanzi zingasuswa nalokhu; kodwa hhayi inkampani yomuntu ngamunye noma eduze.
  • Kufanele ubike noma iyiphi i-akhawunti yasebhange yangaphandle edlula i-$ 10,000 USD. Lokhu kuyangezelelwa embikweni wakho weholo. Uma une-akhawunti engaphesheya kwezilwandle edlula izinkulungwane eziyishumi zamadola, kufanele ufake ifomu le-FBAR.
  • Imali Inzuzo. Uma unentshisekelo (inzuzo, ukulahlekelwa, ukuzuza, ukukhishwa, ukutholakala, nokusabalalisa) kunoma iyiphi ifa langaphandle eliphakeme kune $ 50,000 USD ngosuku lokugcina lonyaka wentela noma i-$ 75,000 USD noma kunini phakathi nonyaka, kufanele faka ifomu 8928.
  • Izijeziso kanye nesithakazelo sokubika ngokungalungile intela yakho. Akunasibalo semikhawulo yokubalekela intela. Izinhlawulo zingasukela ku- $ 10,000 ziye kumakhulu ezinkulungwane zamaRandi. Ukubalekela intela, ukubikwa kwamanga, kanye nokwehluleka ukubika kungathwala izinhlawulo ezinzima. Ngakho-ke qiniseka ukuthobela yonke imithetho yentela.

isinqumo

Ukwenza Isinqumo Esifanele

Ngaphandle kwakho konke lokho, kufanele futhi ukhumbule ukuthi akekho ibhange elilodwa elilungile kuwo wonke umuntu. Ngenkathi abanye abantu badinga amabhange amaningi asezingeni eliphezulu ngokufinyelela okulula kokuhoxiswa, abanye bangase bafune izinzuzo "zokuvikela izimpahla".

Ngokuphikisana nenkolelo ethandwayo, ibhange elingaphesheya alikho mayelana nokubalekela intela noma ukufihla izimpahla zakho. Kumayelana nokwakha ibhizinisi lakho nokuvikela izimpahla kusuka kumacala afanayo. Okusho ukuthi, abantu abaningi bamane basungule ama-akhawunti aphesheya kwezilwandle ukuze bahlomule kumigomo evumelana namazwe aphesheya.

Ibhange Liphephile

I-Offshore ephephile kune-Onshore

Njengoba isikhathi siqhubeka, eqinisweni, kubonakala sengathi umbuzo uthi "Ingabe ukungibekelwa imali yakwamanye amazwe?" Nokuningi "Ngabe ukubekelwa indawo ekhaya kungilungele?" Lokhu akuyona into engafanele. Lokhu kungumphumela oqondile wohlelo lwebhange olungenampilo. Kuhlelo oluxhaswa nguhulumeni ezikweletini; uhulumeni oshisa ngemali yabantu.

Okwamanje, lo mbuso ogcinwe emijondolo. Uma ucabanga ngenye indlela, uyiqhathanise nabenzeli abalinganayo emazweni angenaso isikweletu esikhulu. Impela umbuzo awusasho ukuthi ingabe ukuvikeleka kwebhange engaphesheya kuphephile yini. Umbuzo okufanele sibuze lo. Yiliphi ibhange elivikelekile phesheya okufanele silisebenzise ukuze sizuze thina, ezomthetho, zebhizinisi, kanye nezinzuzo zezezimali?

Ibhange lase-offshore ivumela ukwanda kobumfihlo bezezimali. Abantu abaningi nezinkampani emhlabeni wonke basebenzisa lezi zinzuzo eziyimfihlo. Izakhamizi zase-US zingathokozela umvuzo ofanayo wezezimali njengalawa bantu namabhizinisi ngamabhange angaphesheya kwezilwandle.

Ukuvikela imali yakho kwesehlukaniso, amacala kanye nezimpi ezisemthethweni kungenye isizathu. Ungavula ama-akhawunti asebhange aphesheya egameni lezinkampani ezingaphesheya ukuze unikeze ubumfihlo kanye nokuphepha okuphezulu. Ama-akhawunti asebhange angaphesheya awagcini ngokuceba. Kukhona ukwanda okuhlukile kwenani labantu baseMelika abafaka imali yabo kuma-akhawunti ezimali ayimfihlo. Inhloso yalokhu kubhalwa ukuhlinzeka ngolwazi nokuqonda ngale ndaba.

Inqubomgomo

Ukuyimfihlo kwe-Akhawunti ye-Offshore Bank

Iningi lezindawo eziphethwe yi-akhawunti yasebhange lolwandle zinemithetho nemigomo eqinile yemfihlo. Lokhu kwenzelwa ukuthi kusizakale ekuqinisekiseni ukuthi ubunikazi babakhokhi nabatshalizimali babo kanye nokuthengiselana okuhlobene kuyimfihlo. Okusho ukuthi, iphenathi evamile noma iso lokuphamba ngeke likwazi ukungena ezindabeni zezezimali zakho. Ngenkathi le mfihlo icishe ibe inganekwane, akunakwenzeka ukuqinisekisa ubumfihlo ngokuphelele nokungaziwa. Zonke izikhungo zezezimali emhlabeni wonke zinezibopho zomthetho eziphelele. Ngakho-ke, kumele babike futhi bahambisane nophenyo olwenziwayo mayelana nezinsolo ezibugebengu. Yebo, lokhu kufaka phakathi ubushokobezi, ukuphathwa kwemali, noma izithelo zokuthengiswa kwezidakamizwa ezingekho emthethweni.

Kodwa-ke, ngobuningi bezimo akukho ukumangalelwa kobugebengu okuphoqayo. Ngakho-ke, imininingwane yediphozi igadiwe ngendlela yesikhwele. Lezi akhawunti yasebhange ye-offshore Izimiso zomthetho zenzelwe ukuhlinzeka ngemfihlo ngokuphelele, futhi zisebenzela ukuvikela ngokomthetho futhi kuvikele imininingwane yokufaka. Leli zinga eliphakeme lobumfihlo liyaphawuleka ikakhulukazi njengoba liphathelene nokuvikela impahla ekuqulweni kwangaphakathi. Isibonelo, izindaba zomphakathi ezifana nesehlukaniso noma izifunda eziqhudelwayo ziyimpi nsuku zonke ezinkantolo.

Akuyona intshisekelo yebhange ukukhipha imininingwane eyimfihlo noma yediphozi. Ngakho-ke, ngokwesiko bakwenzile ngokungathandabuzi kangako nangokuhlolwa okuthile okuqinile, okukhona ukuthi i-ejensi kahulumeni ihlangabezana nakho. Noma yikuphi ukufana kokuvuza noma ikhefu ngokugcina izimfihlo kuzosebenza ukuphula ukuzethemba kwabanye abanamandla okuthola ama-akhawunti. Ngenxa yalokho, bazolahlekelwa yibhizinisi elikhulu lasebhange.

Inqubomgomo

Ngisho namazinga ajulile futhi aqine ngokwaziwa nokungaziwa okuyimfihlo atholakala kalula. Umuntu angathuthukisa ubumfihlo ngezimoto ezibambe impahla ezifana nezinkampani zamazwe aphesheya kwezilwandle (i-IBCs) noma i-Offshore trust. Lawa mathuluzi anika izintaba zokuvikela ngokuqhathaniswa “nokuvula i-akhawunti yasebhange.”

The umgomo yanoma ngubani ofuna ukuvula i-akhawunti eyodwa noma engaphezulu kwebhange lolwandle kufanele kube yilokhu. Ukuze ushaye ibhalansi efanelekile phakathi kokuvikelwa kwempahla, ukungaziwa, ukuphepha, kanye nokufinyeleleka kubalulekile ukuthi ube nokuholwa. Qiniseka ukuthi uthola ukubamba okubonisana naye ukuthola isisombululo esifanele.

Ulwazi olubanzi

Imininingwane eyengeziwe maqondana ne-Offshore Banking

Izindawo ezaziwayo zama-akhawunti asebhange aphesheya kwezilwandle angatholakala ezingxenyeni ezihlukene zomhlaba. Kodwa-ke, kubaluleke kakhulu ukwakha inkampani ephesheya kwezilwandle ukuze ibe neyakho i-akhawunti yasebhange engaphesheya. Amandla anikeza ubumfihlo obuningi kakhulu kubanikazi benkampani engasolwandle akayona imfanelo efanayo nomhlinzeki we-akhawunti yasebhange engaphesheya. Umuntu angaqhuba imoto yeMercedes. Kepha leyo moto ngeke ibe namathayi weMercedes. Izothwala amathayi amaGoodyear, Firefire, Continental of Michelin.

Ngokufanayo, uzofuna ukukhetha amandla ngamathuluzi asemthethweni angcono kakhulu. Ngemuva kwalokho uzofuna ukukhetha amandla nezikhungo zezimali ezihamba phambili ezihlangabezana nezidingo zakho.

Isibonelo, ungaba nenkampani esiqhingini saseNevis nasebhange eSwitzerland. Umthetho wenkampani yeNevis unikeza ubumfihlo obuphezulu ubunikazi. ISwitzerland inikeza inhlanganisela enamandla kakhulu yokuphepha kwasebhange kanye nobumfihlo bezimali. Kubalulekile ukusungula inhlanganisela efanele izidingo zakho ezithile.

Amafulegi aphesheya

Joyina Isixuku

I-OffshoreCompany.com iyigunya lomhlaba kwezinsizakalo ezingasogwini. Inhlangano ibheka ubumfihlo bezimali nezinhlelo zokuvikela impahla ezilaleli zomhlaba wonke. Le nkampani ibikulo kusukela nge1906. Sigqugquzela noma yiliphi iklayenti elizofuna usizo lomqeqeshi othembekile wasensimini. Ungaxhumana nomuntu ngokusebenzisa inombolo yefoni noma yokubonisana kuleli khasi.

Ukuvula i-akhawunti engasogwini kunikeza enye indlela nenketho engokomthetho yokuphepha imali yakho. Le nkampani "ibikhona" kusukela nge1906.

URobert Kiyosaki, usomabhizinisi odume umhlaba wonke, ofundisayo ngokwezezimali kanye nomlobi wezincwadi wase NY Times uthe lokhu. “Uma ufuna ukuya endaweni ethile, kungcono ukuthola umuntu osevele ekhona.” Lapho abantu abaphumelele ngokwezimali bekhuluma, ngokuvamile kukuhlakanipha kakhulu ukulalela.

Njengoba kushiwo ngenhla, cishe, abantu baseMelika abayizigidi ezingama-2.7 banemali yabo kuma-akhawunti aphesheya kwezilwandle. Osopolitiki baseMelika, abatshalizimali abacebile nosaziwayo ngokufanayo basebenzisa ithuba amabhange ase-offshore amathuba. Le nombolo ayifaki izakhamizi zase-US eziyizigidi ezingama-7.6 ezihlala nabasebhange phesheya, ngokusho koMnyango Wezwe lase-US. Futhi, akufakiwe kule inani, inani labantu abasebenza empini baseMelika abahlala emhlabeni wonke jikelele. Akukhathalekile ukuthi uyisakhamuzi saseMelika noma umbalekeli ohlala phesheya. Kungakhathalekile ukuthi yisiphi isizathu, iningi labantu lingazuza ngokusemthethweni ngokuba ne-akhawunti engaphesheya.

Imininingwane Yezimali yase-USA

I-US Unecycle Financial

Inhlekelele yokugcina yezimali e-US yenzeke e2008. Ngalesi sikhathi, ezinye zezikhungo ezinkulu kakhulu zamabhange ziye zaqothuka. Lokhu kungenxa yezenzo zenkohliso ezenziwa kubantu abasebenza eMelika. Ithumele ukuthuthumela emhlabeni wonke. Amabhiliyoni amadola kulondolozo kanye nezimpesheni alahlekile. Inhlekelele ishiye abantu abaningi bephukile, sekumele iqale phansi. Ngubani okufanele athi lokho ngeke kuphinde kwenzeke?

Ngaphambi kwalapho, imakethe yesitoko yase-US yashayisana e2000. Lokhu kwaziwa ngenye indlela ngokuthi “i-dot com bubble,” njengoba ukhumbula. Bese kuba nalolo suku oludumile ngo-Okthoba 19, 1987. Silubiza ngalolo suku ngokuthi “uMsombuluko oMnyama” futhi kwaba ukuqothuka okukhulu kwezimali okwenzeka ngosuku olulodwa emlandweni waseMelika. Kuholele ekutheni ngaphezulu kwemali eyizigidi eziyizinkulungwane ezingama-500 inyamalale ezimakethe. Ngaphambi kwalapho, ubhubhane olukhulu kakhulu lwezimali olwaziwa kakhulu kwakuyi-Great Depression e-1929. Okungezwe kulokhu ukwehla okuningi phakathi kwamanje nokwabe sekuchithe imali yezigidi zabantu baseMelika.

Ngaphezu kwalokho, i-US yiyona yezwe elikhulu kunazo zonke-esikweletini ezweni. Njengoba isithakazelo esiqongweni sezikweletu zesizwe, izinkinga zezinhlekelele eziningi zezezimali e-United States nazo zenza kanjalo. Lokhu kuhlanganisa ukuwa kwamabhange ... ukuthi imali yakho ingaba khona. Ungathembeki ku-FDIC ukukhishwa ibheyili. I-Federal Deposit Insurance Corporation (FDIC) yinkampani kahulumeni wase-United States enikeza umshuwalense wephoyisithi ukufaka imali emabhange ase-US. Inkinga kuphela ukuthi, yebo, ixhaswe yizwe elikhulu lesikweletu emhlabeni.

Zurich

Yenzani Lokho Abacebile Futhi Abayaziyo Ukukwenza

Kuyaziwa kabanzi ukuthi ukuhlukanisa iphothifoliyo yakho yezezimali yindlela efanele yokuhamba. Ukubeka imali yakho ezitokisini, izimali ezihambisanayo, izinkomba zezimali nezindawo ezithengiswayo kungukukhetha okumbalwa kumtshalizimali ophakathi. Kepha uma konke lokho kutshala imali kungukuthi e-USA, konke kungadonswa phansi kusinki efanayo. Uma kwenzeka enye imali yokuwa kwezezimali e-US ingashona ibe yingxenyana yenani labo loqobo.

Kuthiwani uma kunezinye izinketho zokutshala izimali?

Kuthiwani uma bekukhona izindlela eziningi zokutshala imali, ukuvikela nokuguqula iphothifoliyo yakho yezezimali? Ngaphezu kwalokho, kuthiwani uma ubunebhonasi eyengeziwe yokuba nemfihlo enkulu yokutshala kwakho?

Yilapho ama-akhawunti asebhange ase-offshore Ngena.

Ukufakazela ukuthi ingakanani imakethi yemakethe ye-akhawunti engaphesheya, ngaphezulu kwama- $ 32 ama-dollar ayi-trillion afakiwe kuma-akhawuntali aphesheya. Abatshalizimali bakwaSavvy bayabona ukuthi i-US akuyona futhi ayiyona indawo “yokuya” ukuvikela imali yabo. Empeleni, maqondana namabhange aphephile, ama-US afinyelela kuhlu olubi kumabhange aphephe kakhulu emhlabeni.

Njengoba sishilo ngenhla, ngokwezimali zohlu lwezezimali lomhlaba jikelele lwe- "The World's 50 Safeest Banks 2015," ama-US aqukethe #30, #45 kanye no- #50 kuhlu lwamabhange aphephe kakhulu emhlabeni! Amabhange amancane okufuya, i-AgriBank, i-CoBank ne-AgFirst okuwukuphela kwamabhange ase-US enza loluhla. Amabhange iningi lezakhamizi zaseMelika alisebenzisela ezezimali, iChase, iCiti kanye neBhange laseMelika akukho ndawo kulolo hlu.

Yenza ucabange…

Ukwenza inzalo encane emalini yakho kunokukhuphuka kwamanani entengo yempahla yonyaka. Ukuthatha amathuba ayingozi wokutshala imali ngokungabonakali emakethe yamasheya akuyona indlela lapho ungafinyelela izinhloso zakho zezezimali.

Dream American

Ukufa Kwephupho laseMelika

Amathuba usebenza kanzima impela nsuku zonke. Ungaba nebhizinisi, ukhokhe izikweletu futhi usebenze ngendlela efanelekile ngokwezezimali. Imali osele nayo bese uyonga (kanye nokuzama ukutshala imali ngomusa wemakethe yesitoko) iqanda lakho lesidleke. Lokho kungukuthatha kwakho umhlalaphansi, nephupho lakho empilweni engcono.

Nganoma yisiphi isikhathi, abameli abahahayo bangafaka ugesi kuma-akhawunti akho asebhange banikeze imali yakho ingafinyeleleki. Izinkinga ezitholwe nge-IRS, isehlukaniso, ukukhokha imali okungakhokhelwa, izingqinamba zokusekelwa kwengane noma isiphi isahlulelo esingaqondana nawe kungaholela ekutheni kukhishwe ama-akhawunti akho asebhange ngaphansi kwakho.

Ngisho ukushada nokuhlukanisa ngokungahle kube nomphumela kufinyelele enhlekeleleni yezimali, ukuthi abaningi abalulami. Ngani? Ngoba yonke impahla yakho kungenzeka ise-US. Njengoba kunje, ziyabonakala futhi zitholakala ekwahlulelweni nasekuhluthweni, zikushiye endlini ampofu.

Ukuqeda umshado kubuhlungu ngokomoya, yebo. Kepha kulimaza nabantu ngokwezezimali. Ukuqhubeka kwesehlukaniso kungathatha iminyaka ukuphetha. Umuntu angaphamba amashumi ezinkulungwane noma izigidi zamadola. Kamuva, kungakushiya nengxenyana nje yalokho okwakhile. Ukuqaphela ngokwezimali leli qiniso kunikeza esinye isizathu. Kungenye futhi isizathu sokunikeza enye imali yakho kwi-akhawunti engasolwandle ngaphakathi kwamathuluzi aqinile asemthethweni. Kulapho, ungakugcina kuphume endleleni eyingozi.

Ukuvula i-akhawunti eselunxwemeni kukunika inkululeko yokugcina imali yakho iyimfihlo futhi unganqotshwa abakwa-moochers basekhaya.

ukubuka kwebhange lolwandle

Ukubuka Okuhle Kwezezimali

Abezindaba bake bajwayele ukubiza ama-akhawunti aphesheya kwezilwandle ngokuthi "indawo yokukhosela intela" noma "indawo yentela." Esikhathini esedlule, i-IRS ayizange ibheke kakhulu imali etshalwe kude nolwandle. Ngoba zazikhona izinzuzo eziningi kakhulu zokutshala imali phesheya kwezilwandle. I-IRS manje seyenze kwaba nzima kulabo abafuna ukuthola izinzuzo zezezimali-futhi i-IRS ifuna isabelo sayo.

Ku-2009, ingqungquthela yaphasisa umthetho wokwenza i-Akhawunti Yentela Yezangaphandle (FATCA). Bekusho njengakuqala, ukuthi izakhamizi zase-US ezihlala phesheya zidinga ukufaka izintela zazo nge-IRS. Okusha, nokho, ukuthi izikhungo zezezimali zaphesheya zidinga ukuveza amaklayenti abo ase-US asebhange nazo. Izwe lathola izindaba eziningi kulokhu mayelana neSwitzerland. I-Akhawunti yaseSwitzerland yaseSwitzerland yayinayo, futhi isanemibono emangalisayo. ISwitzerland yizwe elihle lapho ukutshala noma ukonga imali khona. Kuyaziwa ngokuphepha kwasebhange kanye ne-plethora yezinketho zokutshala imali. Le mithetho yaphenduka i-godend. Lokho kungenxa yokuthi kucishe kube ubuwula ukuthi umuntu asole umuntu wase-US ngokuxoshwa kwentela. Lapho ibhange abalisebenzisayo baphoqelekile ukuthi babike, ukweqiwa kwentela kungaphansi kwengqinamba. Ngakho-ke, kwenza ukulandelwa ngabantu base-US kube lula kakhulu.

ibhange

Ukuzikhethela

Kunenqwaba yamanye amazwe, ngaphezu kweSwitzerland, ukutshala imali yakho.

Uyacelwa ukuthi wazi ukuthi kungokomthetho ngokuphelele ukubhanga kuma-akhawunti aphesheya kwezilwandle. Izakhamizi zase-US zidinga ukubika inzuzo yazo phesheya kwezilwandle e-IRS. Lokhu kungqimba elula yokukhuthala okufanele ukwenze ngesikhathi sentela. Kepha futhi wazi ukuthi ama-CPAs kanye nabameli abaqonda imithetho yentela yasebhange engaphesheya bangasiza. Labo abaziyo kahle le mithetho emisha futhi bazokuhamba ngenqubo yokubika elula.

Ukugcina yonke imali yakho ohlelweni lwamabhange aseMelika kulezi zinsuku kuyindlela yesikhathi esidlule, engaphephile futhi engalingani yokutshala imali. Kungani imali oyilondolozile yomusa wohlelo olunenkohliso, olukhohlakele?

Green Cliff Ngaphesheya kolwandle

Ukuqalisa

Ukuvula i-akhawunti engaphesheya akunzima. Noma kunjalo, kunemithetho emisha nama-hoops okufanele ungene ngawo, kanye nenombolo ye amabhange ase-offshore abangamukeli ama-US, Canada noma ama-deposipho ase-Australia. Ngakho-ke, kunconyelwa kakhulu ukufuna inkampani ethola ulwazi nge-ins-and-outs yasebhange lolwandle.

Unentshisekelo yokuthola okunye? Uma kunjalo, silapha ukusiza. Kunefomu lokubonisana kuleli khasi ongaligcwalisa njengamanje. Futhi kunezinombolo ongazishayela ukuze ukhulume nomeluleki onolwazi. Zizwe ukhululekile ukusebenzisa la mathuba futhi usifinyelele ngosizo.


Kusahluko 2>

ukuqala

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