给你的孙子孙女钱
Here are a few smart options to consider for gifting to grandchildren.
Leaving a legacy for future generations is an important part of many people's financial plans. While it may be part of your vision, you may be uncertain about how to accomplish that goal. The plan that is right for you will depend on a number of factors, including when you want to provide that support or how much control you might want to have over how the money is spent. 考虑以下选项.
送给孙辈的礼物
它可以像写一张支票一样简单. A straightforward financial gift is an easy way to provide for a grandchild's future right now, but this method gives you little control over how that money is spent. Keep in mind that your gift cannot exceed $15,000 per person per year (in 2021) or it will trigger gift tax implications for your estate.
为大学存钱
Contributing to their education by helping pay for college is another way to support your grandchildren while you are still alive — with more control over the funds than a simple check. For example, you could consider opening a 529 大学 Savings Plan for each grandchild. Gift tax limits still apply — with the flexibility of rolling five years' worth of gifts ($75,000 in 2021) into a one-time contribution to a grandchild's 529 savings account.
在遗嘱中给他们留些钱
A reliable way to pass money to the next generation is to name them as 你人寿pp王者电子官网的受益人. Single premium life insurance policies are particularly 非常适合这个目的. These policies are fully funded up front with a lump sum payment, then have a guaranteed payout upon your death. Most insurance companies will not pay benefits to someone younger than 18; however, you could consider establishing a trust for your minor grandchildren to address this.
设立信托基金
You can place assets in a trust and rely on a trustee to manage those funds based on directions you provide. 建立信任 is often useful whenever minors are involved or if adult beneficiaries have money-management issues.
