Inyaniso engaziwa yinkoliso yinto yokuba i-annuities ingakhanjiswa, kwaye ezo zicwangciso eziphezulu zingasetyenziselwa ingeniso okanye isivuno. IiCD kunye nezibhonkco zokudada ziza kubalwa njengezinga eliphezulu. Ngama-annuity, unako ukunyuka kwinqanaba lokuthengisa ngokusebenzisa i-annuities eqhotyoshelweyo, kodwa unokwinqanaba lokufumana ingeniso ngokunjalo.
I-MYGA Iindleko zeeNkcazo zokuThumela iimveliso ezivelisa iimpahla ezifana neCD
IziThuthi zoNyaka eziPhezulu (ezikwaziwa ngokuba yi-MYGAs: Iimali eziNinzi zokuThengiswa kweeNtengo) zisebenza ngokufanayo kwiCD. Ireyithi echanekileyo lizinga eliqinisekileyo elihlala ixesha elithile. Akukho mali ehlawulwa yonyaka kunye neentlawulo ezihlawulwa ngokwemilinganiselo, kwaye ukunikezelwa kweendleko kuyancipha rhoqo ngonyaka kwixesha lesivumelwano. Uhlobo oluphambili phakathi kwe-CD kunye ne-rate rate engaguqukiyo (MYGA) kukuba inzala yonyaka ikhula kwaye ihlanganise irhafu echazwe kwi-MYGA, xa isetyenziswe kwi-akhawunti engekho ye-IRA (oko kungenakuqeqeshelwa). Unokuhlawula irhafu ngomdla ngamnye ngonyaka kumaCD kwi-akhawunti engekho ye-IRA.
I-Ladder-Rate rate ye-Annuity Ladder iya kuba yiSicwangciso seNyaka esingu-3,, 4- kunye no-5.
Ngokomzekelo, ukuba unayo i-$ 300,000, uza kufaka i-$ 100,000 kwiminyaka emithathu, iminyaka emine ubudala kunye neminyaka emihlanu yokunyuswa kwamaxabiso. Ezi zintlobo zemihla yokuhlawula ayinayo iifizi kwaye isivuno siqinisekisiwe. Njengokuba imali ivela ngenxa yokudlulela ixesha lokuhlawula imali , ungayithatha imali ngokupheleleyo kwaye uyihlawule irhafu kwi-interest, okanye ungayidlulisela kwenye i-annuity kwaye uqhubeke ubeka iirhafu.
Uluhlu luni oluxubileyo?
Amanqanaba adibeneyo adibanisa idibaniselwano ye-Fixed Rate Annuities (i-MYGAs) kunye ne-Fixed Indexedities (FIAs), kwaye unakho ukubuyela ngokuthe ngqo kwi-FI) ngenxa yenketho yenkcazo ye-FIA inxenye yeli nqanaba.
Yiyiphi i-Fixed Index Index, okanye i-FIA?
Kwakhona kubhekiswa njengemali ehlawulwe. Olu hlobo lwama-annuity lukhusela ngokupheleleyo inqununu yakho, kodwa linalo nxalenye yokukhula echanekileyo kwifowuni yekhowudi kwi-index (ngokuqhelekileyo i-S & P 500). Iimali ezixhaswe nge-indexedities zaziswa ngo-1995, kwaye zenzelwe ukuncintisana neentlawulo ze-CD.
Iimali zemiSebenzi yokuLungiswa kweNgeniso yeNtlawulo yinto ethile yeCandelo elitsha
Izibhengezo zangaphambili zafika (njengamaxesha amaRoma) njengendlela yokufumana ingeniso eqinisekisiwe. Ukuhlawulwa kwemali yokunqongophala kwemali kungenziwa ngeendlela ezininzi. Makhe sijonge kwiinkalo ezincinane zokuhlawula imali ezibonelela ngenzuzo eqhubekayo:
I-annuity Lifetime Ladder isebenzisa ii-SPIA
I-Ladtime Ladder iquka ukuthenga ii-Premium Annuities (SPIAs) zexesha elilodwa kwixesha elilodwa. Isicwangciso senzelwe ukubamba iintlawulo zemali njengoko ziphakama (ethemba), ngokubambisana nokulindela ubomi (i-payee) ukuhla kwexesha. Nantsi umzekelo oqhelekileyo: Umntu onama-$ 500,000 ufuna ukuqinisekisa umvuzo wokufumana imali, kodwa ukhathazeke ukuba amazinga omyinge aphantsi kwaye angase avuke kwikamva.
I-Ladder Lifetime efanelekileyo isebenza ukubandakanya ukuthengwa kwe-100 000 ye-Premium yodwa yokuNyuswa kweNkcazo ngokukhawuleza (SPIA) minyaka yonke iminyaka emi-5. Nangona iireyithi zihlala zifana kunye nelo xesha, ukuhlawula okulandelayo kuya kuphakama ngokusekelwe kwiminyaka yokuthenga ngexesha lokuthenga. Ukuba amaxabiso aphakama ukuhlawula kuya kuba phezulu.
Umhla woLwabiwo lweStirstep Ladder usebenzisa i-DIAs
Olu hlobo lwenqanaba lubandakanya i-Long-Annuities (i-Award Deferred Annuities Revenue-DIAs), kwaye iqalisa ingeniso kwixesha elihlukeneyo. Isicwangciso seStirstep Ladder Day Target sisoloko sisetyenziselwa ukulwa nokukhula kwamanani esizayo ngokufumana imijelo eyahlukileyo yemali engenayo. Umzekelo wale nto unokuba ngumntu oneminyaka engama-60 ubudala kunye ne-400,000 zamaRandi ezabiwe ukulungiselela ukunyuka kwamaxabiso emali. Iintlobo ezi-4 ezihlukeneyo zeeLungwini (i-DIAs) ziya kuthengwa, kuma-65, 70, 75 no-80.
Imali engenayo yemali ngokuyinhloko isekelwe kwixesha lokuphila kwakho ngexesha lokusasazwa kwemali engenayo , ngoko xa udala iintlawulo zibalwa ngaphezulu. I-DIA nganye elandelayo iya kuhlawula ngezinga eliphezulu