Diferencia entre UGMA y UTMA

: 19 de junio de 2022

Cuando se trata de apoyar a los niños y ahorrar para ellos, las familias optan por las mejores opciones para invertir para asegurar su futuro. UGMA y UTMA son dos de esas opciones que son principalmente ocupadas por familias.

UGMA vs UTMA

La principal diferencia entre UGMA y UTMA es que UGMA significa Ley Uniforme de Regalo a Menores y es un tipo de cuenta de ahorro de custodia que utilizan las familias para mantener a sus hijos en el momento de la necesidad, permite la donación de los activos básicos y alcanza el vencimiento cuando el beneficiario tiene 18 años, por otro lado, UTMA es la cuenta de ahorro de custodia que se puede utilizar para mantener a los niños, así como para otros fines, permite una gama de activos de lector que pueden donarse y madurar cuando el beneficiario alcanza la edad de 25 años.

UGMA es la forma abreviada de la Ley Uniforme de Regalo a Menores. Es un tipo de cuenta de ahorro de custodia que permite a una familia donar activos básicos para el futuro de sus hijos que se entregan a los beneficiarios cuando completan la edad de 18 años.

UTMA también es una cuenta de ahorros, pero permite una gama más amplia de activos que pueden donarse y madura cuando los beneficiarios alcanzan los 25 años de edad.

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Tabla de comparación entre UGMA y UTMA

Parámetro de comparación UGMA de la Ley Uniforme de Transferencia a Menores. Lo que significa UGMA es una especie de opción de ahorro que una familia puede elegir para sus hijos cuando tienen menos de edad. UTMA también es un tipo de opción de ahorro que una familia elige a sus hijos cuando aún son menores de edad. Propósito del uso La Ley Uniforme de Regalos a Menores es una cuenta de custodia utilizada solo para fines de soporte. La Ley Uniforme de Transferencia a Menores es la cuenta de custodia que puede usarse para propósito de soporte o para otros fines. Activos permitidos para donación UGMA es la cuenta que permite la donación de activos básicos como bonos y acciones. UTMA es la cuenta que permite una gama más amplia de activos que pueden donarse como dinero, acciones, anualidades, seguros de vida, artes, patentes, automóviles, bienes raíces, etc. Edad de terminación o vencimiento La cuenta UGMA madura cuando el menor alcanza la edad de 18 años.UTMA permite más tiempo antes del vencimiento que UGMA. Madura cuando el beneficiario alcanza la edad de 25 años.

¿Cuál es la Ley Uniforme de Regalo a Menores?

UGMA es el abreviatura de la Ley Uniforme de Regalo a Menores. Es un tipo de cuenta de ahorro de custodia que actúa como fideicomisos irrevocables, lo que significa que pueden calificarse como una entidad separada en la que una persona invierte en beneficio de otra persona y no se puede usar en ti mismo. Ser custodio significa que uno debe cuidarlo hasta que se lo entregue a su beneficiario.

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UGMA permite a una persona donar solo los activos básicos como bonos, acciones, fondos mutuos, etc. a sus hijos. La cuenta UGMA alcanza el vencimiento cuando el beneficiario menor alcanza la edad de 18 años. Si una persona recibe un pago anual de la cuenta de UGMA, entonces debe pagar impuestos sobre ella según las diversas losas fiscales, si el pago es Los, entonces las tasas impositivas son bajas y si el pago es alto, las tasas también aumentan.

Si el menor es un estudiante universitario, los activos en la cuenta UGMA se consideran como el activo del estudiante según la solicitud FAFSA. Sin embargo, puede ser utilizado por el beneficiario donde quiera.

¿Cuál es la Ley Uniforme de Transferencia a Menores?

UTMA es la forma abreviada de la Ley Uniforme de Transferencia a Menores. También es un tipo de cuenta de ahorro de custodia que utilizan las familias para invertir para sus familias.

UTMA permite una gama más amplia de activos que pueden donarse, como dinero, acciones, fondos, automóviles, artes, bienes inmuebles, pertenencias personales, etc. La cuenta UTMA madura cuando el beneficiario menor completa la edad mínima de 18 años, sin embargo, uno puede terminarla entre los 18 y los 25 años. El sistema tributario en UTMA es similar al de UGMA.

Diferencias principales entre UGMA y UTMA

  1. UGMA significa Ley Uniforme de Regalo a Menores, por otro lado, UTMA significa Ley Uniforme de Transferencia a Menores.
  2. UGMA y UTMA son las opciones de cuentas de ahorro de custodia que las familias pueden elegir para sus hijos menores.
  3. La Ley Uniforme de Regalo a Menores es la cuenta de ahorros para la cual la custodia está en manos de padres o tutores y es utilizada por las familias para mantener a sus hijos, por otro lado, la Ley de Transferencia Uniforme a Menores es la cuenta de ahorros que las familias pueden usar para mantener a los niños y se pueden usar para otros fines.
  4. La Ley Uniforme de Regalo a Menores permite la donación de activos básicos únicamente, por otro lado, La Ley Uniforme de Transferencia a Menores permite una gama de activos que pueden donarse a los menores, incluye obsequios de dinero, pólizas de seguro de vida, acciones, anualidades, etc.
  5. UGMA permite menos tiempo antes del vencimiento, mientras que UTMA permite más tiempo antes del vencimiento en comparación con la UGMA.
  6. La cuenta de ahorro de la Ley Uniforme de Regalo a Menores alcanza el vencimiento cuando el beneficiario menor completa la edad de 18 años, por otro lado, La Ley Uniforme de Transferencia a Menores alcanza la madurez cuando el menor completa la edad de 25 años.
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Síntesis

UGMA y UTMA son cuentas de ahorro para las cuales la custodia es con padres o abuelos. Ambos tienen características específicas, por lo tanto, antes de invertir uno debe comprender adecuadamente sus términos y condiciones. Al invertir de la manera correcta, uno puede garantizar un futuro seguro para sus hijos.

  1. https://www.martindale.com/matter/asr-237998.pdf
  2. https://scholarship.richmond.edu/lawreview/vol22/iss4/14/

Contenido

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  80. Hey! I know this is kinda off topic nevertheless I’d figured I’d ask. Would you be interested in trading links or maybe guest writing a blog article or vice-versa? My website covers a lot of the same topics as yours and I think we could greatly benefit from each other. If you might be interested feel free to send me an e-mail. I look forward to hearing from you! Superb blog by the way!

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  81. What i don’t realize is in reality how you are now not actually much more smartly-preferred than you might be right now. You’re very intelligent. You realize thus significantly with regards to this topic, made me in my view imagine it from numerous various angles. Its like women and men are not interested until it is one thing to accomplish with Girl gaga! Your own stuffs outstanding. At all times care for it up!

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  83. Have you ever thought about creating an ebook or guest authoring on other websites? I have a blog based upon on the same subjects you discuss and would really like to have you share some stories/information. I know my viewers would appreciate your work. If you’re even remotely interested, feel free to shoot me an e mail.

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  86. Today, I went to the beach with my children. I found a sea shell and gave it to my 4 year old daughter and said «You can hear the ocean if you put this to your ear.» She placed the shell to her ear and screamed. There was a hermit crab inside and it pinched her ear. She never wants to go back! LoL I know this is completely off topic but I had to tell someone!

    Responder
  87. I have to thank you for the efforts you have put in writing this website. I am hoping to view the same high-grade content from you in the future as well. In truth, your creative writing abilities has motivated me to get my own blog now 😉

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  90. Superb blog! Do you have any hints for aspiring writers? I’m planning to start my own website soon but I’m a little lost on everything. Would you propose starting with a free platform like WordPress or go for a paid option? There are so many choices out there that I’m totally confused .. Any tips? Thanks!

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  92. Write more, thats all I have to say. Literally, it seems as though you relied on the video to make your point. You definitely know what youre talking about, why waste your intelligence on just posting videos to your weblog when you could be giving us something enlightening to read?

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  94. Hi would you mind sharing which blog platform you’re working with? I’m planning to start my own blog soon but I’m having a tough time selecting between BlogEngine/Wordpress/B2evolution and Drupal. The reason I ask is because your layout seems different then most blogs and I’m looking for something unique. P.S My apologies for being off-topic but I had to ask!

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  97. Great blog! Do you have any suggestions for aspiring writers? I’m hoping to start my own website soon but I’m a little lost on everything. Would you advise starting with a free platform like WordPress or go for a paid option? There are so many options out there that I’m completely confused .. Any suggestions? Kudos!

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  98. Hi there great website! Does running a blog such as this take a lot of work? I’ve very little expertise in computer programming but I was hoping to start my own blog in the near future. Anyway, if you have any suggestions or techniques for new blog owners please share. I understand this is off subject nevertheless I simply wanted to ask. Cheers!

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  99. Have you ever thought about publishing an e-book or guest authoring on other blogs? I have a blog based upon on the same subjects you discuss and would really like to have you share some stories/information. I know my readers would enjoy your work. If you are even remotely interested, feel free to shoot me an email.

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  101. First of all I would like to say wonderful blog! I had a quick question which I’d like to ask if you don’t mind. I was interested to find out how you center yourself and clear your thoughts prior to writing. I have had trouble clearing my mind in getting my thoughts out. I truly do enjoy writing but it just seems like the first 10 to 15 minutes tend to be lost just trying to figure out how to begin. Any suggestions or tips? Kudos!

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  102. Unquestionably believe that which you said. Your favorite justification seemed to be on the web the simplest thing to be aware of. I say to you, I certainly get annoyed while people consider worries that they just do not know about. You managed to hit the nail upon the top and also defined out the whole thing without having side effect , people can take a signal. Will probably be back to get more. Thanks

    Responder
  103. Hello! I know this is kinda off topic however I’d figured I’d ask. Would you be interested in trading links or maybe guest authoring a blog article or vice-versa? My blog discusses a lot of the same topics as yours and I believe we could greatly benefit from each other. If you are interested feel free to shoot me an email. I look forward to hearing from you! Fantastic blog by the way!

    Responder
  104. First off I want to say fantastic blog! I had a quick question that I’d like to ask if you don’t mind. I was curious to know how you center yourself and clear your mind prior to writing. I have had trouble clearing my thoughts in getting my thoughts out there. I truly do enjoy writing however it just seems like the first 10 to 15 minutes are generally wasted simply just trying to figure out how to begin. Any recommendations or hints? Thanks!

    Responder
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  107. It is the best time to make some plans for the future and it is time to be happy. I have read this post and if I could I want to suggest you few interesting things or tips. Maybe you could write next articles referring to this article. I desire to read more things about it!

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  109. I was wondering if you ever thought of changing the structure of your website? Its very well written; I love what youve got to say. But maybe you could a little more in the way of content so people could connect with it better. Youve got an awful lot of text for only having one or 2 images. Maybe you could space it out better?

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  111. With havin so much written content do you ever run into any problems of plagorism or copyright infringement? My blog has a lot of completely unique content I’ve either authored myself or outsourced but it looks like a lot of it is popping it up all over the web without my permission. Do you know any techniques to help protect against content from being ripped off? I’d definitely appreciate it.

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  112. What i do not understood is in fact how you’re no longer really much more neatly-preferred than you might be now. You’re very intelligent. You realize thus significantly in relation to this topic, made me personally consider it from numerous numerous angles. Its like men and women aren’t fascinated except it’s something to do with Lady gaga! Your individual stuffs great. Always maintain it up!

    Responder
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  114. Hey just wanted to give you a quick heads up. The words in your post seem to be running off the screen in Opera. I’m not sure if this is a format issue or something to do with web browser compatibility but I figured I’d post to let you know. The style and design look great though! Hope you get the problem fixed soon. Many thanks

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  115. Hmm it appears like your blog ate my first comment (it was extremely long) so I guess I’ll just sum it up what I wrote and say, I’m thoroughly enjoying your blog. I too am an aspiring blog writer but I’m still new to the whole thing. Do you have any suggestions for inexperienced blog writers? I’d certainly appreciate it.

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  117. Do you mind if I quote a few of your articles as long as I provide credit and sources back to your blog? My blog is in the exact same niche as yours and my visitors would genuinely benefit from some of the information you present here. Please let me know if this okay with you. Appreciate it!

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  119. Write more, thats all I have to say. Literally, it seems as though you relied on the video to make your point. You obviously know what youre talking about, why throw away your intelligence on just posting videos to your site when you could be giving us something enlightening to read?

    Responder
  120. Very good blog! Do you have any hints for aspiring writers? I’m planning to start my own site soon but I’m a little lost on everything. Would you propose starting with a free platform like WordPress or go for a paid option? There are so many choices out there that I’m completely overwhelmed .. Any recommendations? Many thanks!

    Responder
  121. Hey there! I know this is kinda off topic but I was wondering which blog platform are you using for this site? I’m getting sick and tired of WordPress because I’ve had issues with hackers and I’m looking at options for another platform. I would be awesome if you could point me in the direction of a good platform.

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  122. Have you ever considered creating an ebook or guest authoring on other websites? I have a blog based upon on the same ideas you discuss and would really like to have you share some stories/information. I know my readers would appreciate your work. If you’re even remotely interested, feel free to shoot me an email.

    Responder
  123. Definitely believe that which you said. Your favorite justification appeared to be on the net the simplest thing to be aware of. I say to you, I certainly get irked while people consider worries that they just don’t know about. You managed to hit the nail upon the top and defined out the whole thing without having side effect , people can take a signal. Will probably be back to get more. Thanks

    Responder
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  126. Today, I went to the beach with my kids. I found a sea shell and gave it to my 4 year old daughter and said «You can hear the ocean if you put this to your ear.» She put the shell to her ear and screamed. There was a hermit crab inside and it pinched her ear. She never wants to go back! LoL I know this is completely off topic but I had to tell someone!

    Responder
  127. Have you ever considered publishing an e-book or guest authoring on other websites? I have a blog centered on the same topics you discuss and would love to have you share some stories/information. I know my viewers would value your work. If you’re even remotely interested, feel free to shoot me an email.

    Responder
  128. My programmer is trying to persuade me to move to .net from PHP. I have always disliked the idea because of the expenses. But he’s tryiong none the less. I’ve been using Movable-type on various websites for about a year and am nervous about switching to another platform. I have heard great things about blogengine.net. Is there a way I can transfer all my wordpress posts into it? Any help would be greatly appreciated!

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  129. Write more, thats all I have to say. Literally, it seems as though you relied on the video to make your point. You clearly know what youre talking about, why throw away your intelligence on just posting videos to your weblog when you could be giving us something informative to read?

    Responder
  130. Today, I went to the beach with my kids. I found a sea shell and gave it to my 4 year old daughter and said «You can hear the ocean if you put this to your ear.» She placed the shell to her ear and screamed. There was a hermit crab inside and it pinched her ear. She never wants to go back! LoL I know this is totally off topic but I had to tell someone!

    Responder
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  134. Definitely consider that which you said. Your favourite justification seemed to be at the net the simplest thing to understand of. I say to you, I certainly get irked even as folks consider worries that they plainly do not recognize about. You controlled to hit the nail upon the highest and also outlined out the whole thing with no need side-effects , other folks can take a signal. Will likely be back to get more. Thank you

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  135. Hello there! This post couldn’t be written any better! Looking through this post reminds me of my previous roommate! He continually kept talking about this. I am going to send this post to him. Fairly certain he’s going to have a great read. Thank you for sharing!

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  136. I’d like to thank you for the efforts you have put in penning this blog. I really hope to check out the same high-grade content from you later on as well. In fact, your creative writing abilities has inspired me to get my very own website now 😉

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  138. Have you ever thought about creating an ebook or guest authoring on other sites? I have a blog centered on the same subjects you discuss and would really like to have you share some stories/information. I know my subscribers would appreciate your work. If you are even remotely interested, feel free to shoot me an e-mail.

    Responder
  139. I’m really enjoying the theme/design of your website. Do you ever run into any browser compatibility problems? A small number of my blog audience have complained about my site not working correctly in Explorer but looks great in Safari. Do you have any recommendations to help fix this problem?

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  140. First off I want to say great blog! I had a quick question in which I’d like to ask if you don’t mind. I was interested to know how you center yourself and clear your mind before writing. I’ve had a tough time clearing my thoughts in getting my thoughts out there. I do enjoy writing but it just seems like the first 10 to 15 minutes are generally lost just trying to figure out how to begin. Any suggestions or hints? Cheers!

    Responder
  141. Pretty nice post. I simply stumbled upon your blog and wished to mention that I have really loved browsing your blog posts. After all I will be subscribing for your feed and I am hoping you write again very soon!

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  142. You really make it appear really easy with your presentation but I find this topic to be actually something which I think I’d never understand. It kind of feels too complicated and extremely extensive for me. I’m having a look forward to your next submit, I’ll attempt to get the hang of it!

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  143. Hello I am so thrilled I found your web site, I really found you by mistake, while I was looking on Bing for something else, Anyways I am here now and would just like to say cheers for a tremendous post and a all round enjoyable blog (I also love the theme/design), I don’t have time to read it all at the moment but I have saved it and also added your RSS feeds, so when I have time I will be back to read much more, Please do keep up the great work.

    Responder
  144. Have you ever considered publishing an e-book or guest authoring on other blogs? I have a blog based on the same ideas you discuss and would love to have you share some stories/information. I know my audience would enjoy your work. If you’re even remotely interested, feel free to shoot me an email.

    Responder
  145. Good day! I know this is kind of off topic but I was wondering if you knew where I could find a captcha plugin for my comment form? I’m using the same blog platform as yours and I’m having trouble finding one? Thanks a lot!

    Responder
  146. With havin so much content do you ever run into any problems of plagorism or copyright violation? My site has a lot of completely unique content I’ve either authored myself or outsourced but it seems a lot of it is popping it up all over the web without my authorization. Do you know any ways to help prevent content from being stolen? I’d certainly appreciate it.

    Responder
  147. May I simply just say what a relief to discover a person that really knows what they’re discussing online. You certainly realize how to bring an issue to light and make it important. A lot more people need to check this out and understand this side of the story. I was surprised that you aren’t more popular because you most certainly have the gift.

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  148. Hi there this is kinda of off topic but I was wanting to know if blogs use WYSIWYG editors or if you have to manually code with HTML. I’m starting a blog soon but have no coding expertise so I wanted to get advice from someone with experience. Any help would be enormously appreciated!

    Responder
  149. I have been browsing online more than 3 hours today, yet I never found any interesting article like yours. It’s pretty worth enough for me. Personally, if all webmasters and bloggers made good content as you did, the web will be a lot more useful than ever before.

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  150. What i don’t realize is in reality how you are now not really much more well-liked than you might be now. You’re very intelligent. You realize therefore considerably in the case of this topic, produced me in my view believe it from so many various angles. Its like women and men don’t seem to be involved unless it is something to do with Girl gaga! Your individual stuffs great. At all times take care of it up!

    Responder
  151. Hi there would you mind stating which blog platform you’re working with? I’m planning to start my own blog in the near future but I’m having a tough time selecting between BlogEngine/Wordpress/B2evolution and Drupal. The reason I ask is because your layout seems different then most blogs and I’m looking for something unique. P.S Apologies for getting off-topic but I had to ask!

    Responder
  152. It’s a shame you don’t have a donate button! I’d without a doubt donate to this brilliant blog! I suppose for now i’ll settle for book-marking and adding your RSS feed to my Google account. I look forward to fresh updates and will talk about this website with my Facebook group. Chat soon!

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  153. Whats up this is somewhat of off topic but I was wondering if blogs use WYSIWYG editors or if you have to manually code with HTML. I’m starting a blog soon but have no coding know-how so I wanted to get advice from someone with experience. Any help would be enormously appreciated!

    Responder
  154. I am curious to find out what blog platform you happen to be utilizing? I’m experiencing some minor security issues with my latest site and I’d like to find something more safeguarded. Do you have any solutions?

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  155. My spouse and I absolutely love your blog and find the majority of your post’s to be just what I’m looking for. Do you offer guest writers to write content to suit your needs? I wouldn’t mind creating a post or elaborating on a lot of the subjects you write with regards to here. Again, awesome weblog!

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  156. Fantastic goods from you, man. I have understand your stuff previous to and you are just extremely great. I actually like what you have acquired here, really like what you’re saying and the way in which you say it. You make it entertaining and you still take care of to keep it sensible. I can not wait to read much more from you. This is actually a terrific website.

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