Khangela zonke iinketho zakho ngaphambi kokuba uthenge i-annuity esheshayo.
Ikhefu elikhawulezayo lingaba lukhetho olufanelekileyo ukuba ufuna ukuqiniseka ukuba awuyi kukhupha imali yakho ngomhlalaphantsi, kodwa awuyi kuphinda ufikelele kwinqununu yakho emva kokuba uthenge enye. Oku kwenza abanye abantu baqaphele ukubeka yonke imali yabo kulolu hlobo lwemveliso.
Uya kufuna ukuhlola zonke iindlela zakho ngaphambi kokuba wenze isigqibo sokugqibela ukuba ucinga ukuthenga i-annuity ngokukhawuleza. Isisombululo esihle kakhulu sokuthatha umhlala-phantsi ngokuqhelekileyo ukwakha inhlanganisela yentengo-mali-mali ngokusebenzisa i-annuity ngokukhawuleza kunye nenye okanye ngaphezulu kwezi zigqibo.
01 Annuity ehlukileyo kunye neNgcaciso eMfutshane yokuRhola iNzuzo
Kukho iindlela ezininzi zokudala umvuzo womhlalaphantsi, kodwa kuphela ezimbalwa zazo ziza neziqinisekiso. Umgibeli ongenayo imali ekhethiweyo yinto enye yokufumana ingeniso ukuba awukwazi ukuphelisa. Ingumnye owongezelelweyo onokuzongezwa kwi-annuity eguquguqukayo okanye i-index index annuity.
Imali eyongezelelweyo yonyaka, inkampani yomshuwalense iya kuqinisekiswa imali onokuyihoxisa ebomini ngexesha elizayo. Imiqathango yesiqinisekiso isichazwe kwisivumelwano semali. Ngelishwa, kufuneka ukwazi kakuhle oko ukhangeleyo kwaye ukhula ngaphandle kweendlela ezikhethiweyo kunye neentsimbi ezongezelelweyo kunye neengcingo ongeke uzisebenzise ngenxa yokuba zihlala zibiza ngaphezulu.
IiNgxowa zeNgxowa-mali ze-Retirement 02
Ukuba awuqinisekanga ukuba ungayifumana njani imali kwiimali zakho zomntu, cinga ngengxowa-mali yomhlalaphantsi . Ziyakwazi ukuphathwa ngokuzeleyo ukuba zikwazi ukufumana ingeniso yomhlala-phantsi rhoqo kwaye zinikezela isisombululo esisisigxina, sobunye-in-one. Banikezela ngokuguquguquka ngakumbi kunokuba zihlawulwe, kodwa ziza neziqinisekiso ezincinci.
Unokuqwalasela ukubeka inxalenye yemali yakho kwi-annuity ngokukhawuleza yengeniso eqinisekisiwe, kwaye inxalenye kwingxowa-mali yokufumana umhlala-phantsi ukuze ikunikeze ukuguquguquka kwexesha elizayo. Isihluthulelo sokwenza imali yakho yokugqibela iya kuba ukuchitha kuphela imali engenayo yenyanga yonikezelo kuwe ngaphandle kokungena kwi nqununu.
03 Ukuchaswa okubhaliweyo kwiPortfolio
Iipotifoliyo zeengxelo zengxowa-mali ezidibeneyo zingahlelwa ukuhlawula imali engenayo eyohlala ixesha lokuphila kwakho xa ilawulwa kakuhle. Kufuneka ulandele isethi yemigaqo yokuhoxiswa kwesi sicwangciso sokusebenza-izikhokelo ezikuxelela ukuba unemivuzo engakanani ongayithatha ukuze ungapheli.
Esi siqhinga asifi neeqinisekiso zokuthi i-annuity esheshayo inikezelayo, kodwa unako ukunyuka kwinzuzo kwaye ugcina ukufikelela kwinqununu yakho. Kodwa unako ukuhla kweenzuzo xa utyalo-mali luqhuba kakuhle.
04 Bond Ladreded
Unokuthatha inxalenye yepotfolio yakho kwaye uthenge izibophelelo ngeentsuku ezahlukeneyo zokukhula xa ufuna unobungozi obuncinane. Ungayilungisa ukwenzela ukuba unxibelelwano olulodwa lukhule minyaka yonke kwiminyaka eyi-10 ezayo. Oku kubizwa ngokuthi kwakhiwe idibansi yebhondi okanye ireyithi yengeniso.
Ibhondi nganye iya kuhlangabezana neemfuno zakho zokuhamba kwemali njengoko ikhula. Ungasebenzisa iiCD kunye nezibophelelo kule njongo. Thengisa ezinye iipotfoliyo zakho ze-stock ukuthenga intsebenzo elandelayo unyaka ngamnye njengoko uchitha utyalo-mali omnye. Unokwakha kwakhona i-ladder year-year bond if you have enough savings. Njengamanye amanyathelo, esi sicwangciso asikwazi ukubonelela ngemali eninzi njengemali yonyaka, kodwa uya kugcina ukufikelela kwinqununu yakho.