Ukuqonda ukushicilelwa okulungileyo
Ingaba kukho naziphi na iintlawulo ezixhasayo kwiNkcitho yam?
Iintlawulo ezininzi eziguquguqukayo zihlawulisa umrhumo obizwa ngokuthi ukunikezelwa kwentlawulo oya kuyenza xa ukhansela inkontileka phambi kokuba ixesha elithile lidlule. Andicebisi ukukhansela inkontileka yokuchithwa kwemali eguquguqukayo ukuba uya kufuneka uhlawule ukuhlawulwa kwemali - ngaphandle kokuba iifowuni zangaphakathi kwi-annuity yakho eguqukileyo ziphezulu kuneentlawulo ezinikezelweyo.
Ukuba i-annuity yakho eguquguqukayo inokuhlawulwa, buza xa ukuhlawulwa kweerhafu angeke kusasebenza.
Yintoni Ukufa kunye neNdleko yokuTyala kwiNguqulelo yam eguqukileyo?
Zonke iinguqu eziguquguqukayo zinokufa nokuhlawulwa kweendleko. Ngokuqhelekileyo kuya kuvela kwi-low .40% ngonyaka kunyaka ongenawo umthwalo , ukuphakama kwe-1.35% kwiimali ezithengiswa nge-broker.
Ngaba kukho iHhovisi lokuHlola loLongezelelweyo? Ukuba kunjalo, Kunjani?
Ezinye iirhafu eziguquguqukayo zinomrhumo wokulawula ngaphezu kokufa nokuhlawula iindleko. Iyakhula ukusuka kwi -15% ukuya kwi -35% ngonyaka.
Ngaba i-annuity yam eguquguqukayo inayo nabagibeli abakhethayo?
Abagibeli abakhethekileyo banokungeniswa kwipolisi yakho yokuchithwa kwemali xa usithenge. Baya kuba ngabagibeli beenzuzo zokufa, ezibonelela ngokuqinisekileyo malunga nokuba uza kuhlawulwa njani kumzuzi ekufeni kwakho, okanye ngabahlali abaxhamlayo, ababonelela ngembuyekezo malunga nenani eliyingeniso ongayifumana kwi-annuity emva komhla.
Umsebenzi ngamnye wemiSebenzi, kunye Naliphi iindleko?
Abagibeli abakhethekileyo baneendleko ezinokuthi zivela kwi-25% ukuya kwi -75% ngonyaka. Abagibeli bangaba nzima, ngoko cela ummeli wenkonzo yabathengi ukuba akuchazele ngendlela ongayiqonda ngayo. Buza ukuba umgibeli uyasebenza xa usaphila, okanye kuphela xa ufa .
Ukuba kuyinzuzo ephilayo, cela ukuba yiyiphi imimiselo eya kufuneka ibe khona ukuze lo mgibeli abe yinzuzo kuwe. Ukuba awuyiqondi iimpendulo ozifumanayo, cela kwakhona. Imali yakho. Ukuba uhlawula umkhweli owongeziweyo, unelungelo lokukwazi ukuba uluphi uhlobo lwenzuzo oyihlawulayo.
Ngaba Umgcini-mgcini angasuswa?
Ngamanye amaxesha abagibeli abongezelelweyo banokuthi bancitshiswe, banciphise iifizi ngaphakathi kwimivuzo yenu eguqukileyo. Ukuba ugqiba umgibeli anganikeli ngenzuzo exabisekileyo, buza ukuba umgibeli angasuswa.
Iimali zingaphi Iindleko zangaphakathi kwii-Akhawuntsi?
Ngaphakathi kwe-annuity eguquguqukayo, ukhetho lweebhanti lokutshala imali lubizwa ngokuba yi-sub-accounts. Ngaphantsi kwe-akhawunti iya kuba nemali yolawulo okanye iindleko zangaphakathi. Ezi ndleko zivela kwi-.45% ukuya kwi-2.00% ngonyaka, kuxhomekeke kwi-akhawunti engaphantsi.
Uluphi uNcedo loKufa ngokuNcedo kwiNguqulelo yam ehlukileyo?
Ukuba utyalo-mali selehlile ngexabiso, inzuzo yokufa kwi-annuity yakho eyahlukahluka ingaba phezulu kunexabiso langoku utsalo-mali. Kuthetha ukuba kukho into eyenzekayo kuwe, umxhamli wakho uza kuxhamla ngokufumana imali ephezulu. Ukuba ngaba kunjalo, cinga kabini ngaphambi kokukhansela i-annuity yakho.
Emva kokuba ubuze imibuzo malunga nokunyusa kwakho, kuxhomekeke kwiimpendulo ozifumanayo, unokufuna ukucinga ngokutshintshiselana nokutshintshana kwakho kwemali engafaniyo kunye neendleko eziphantsi .
Ngokomzekelo, bonani indlela enye eyahluka ngayo xa kuthelekiswa nemali yenkcazo kwi- Comparison Variable Age .