ISICWANGCISO SOKUQALA
I-TIAA I- Annuity yendabuko isebenza ngokungafaniyo xa ugcina imali (oko kuthiwa isigaba sokuqokelela) kunokuba senza xa ushintshela ukukhangela imali (isigaba sokuhlawula).
Kwinqanaba lokuqokelela, inqununu yakho iqinisekisiwe kwaye ufumana inqanaba elincinci lemali elincinci. Kukho umvuzo ongezelelweyo. Inani lemali elongezelelweyo lemali liyakunikwa ngonyaka yi-TIAA Ibhodi yeTrasti kunye nonyaka ukususela ngowe-1948 i-TIAA ihlawule umlinganiselo othile wenzalo eyongezelelweyo ngaphezulu kwinqanaba lentlawulo elincinci elincinciweyo.
Inani langempela lemali oyifumanayo kwi-TIAA yeNkcubeko yeNkcubeko iya kuxhomekeka xa usenza iminikelo, njengoko iifom zihlanganiselwe kwizinto ezibhekisela kuzo ngokuthi "izivengeko". Iqela ngalinye lemali linokulingana nesantya semingalo ehlukeneyo, kwaye umyinge wesantya kwisivuno ngasinye sinokutshintsha ngokuhamba kwexesha. Unokufumana iinkcukacha malunga nenqanaba lokubonga kwenani lentlalo kwi-TIAA-CREF ye-Investment Investment kunye ne-IRAs Inzala yeeRhafu.
Imida ekudluliseni imali ngaphandle: Ngokungafani nezinye iindlela zokutshala imali kwiiplani zomqeshi apho ungaya khona kwi-intanethi kwaye udlulisele imali phakathi kokukhetha nganoma naliphi ixesha, xa ukhetha i-TIAA Yenkcubeko Yomdabu, awukwazi ukutshintshela imali ngaphandle kwayo yonke.
Isantya esheshayo unako ukukhupha imali ngokukhetha oko kuthiwa "ukuhlawula imali yokuhlawula" apho inxalenye yesalathisi yakho iya kudluliselwa kunyaka ngamnye ngaphezu kweminyaka elishumi (ezimbalwa i-TIAA annuities inikezela ixesha elide lokudlulisa ixesha kodwa ezininzi zineminyaka elishumi ).
Oku kuthetha ukuba ukhetha i-TIAA Traditional Annuity option, uya kufuna ukuqonda indlela ehambelana ngayo nesicwangciso sakho njengoko utshintshe ingqondo yakho akulula.
Le mingcele ekuhanjisweni okuphumayo kubalulekile ekuphumeleleni kwe-TIAA njengoko ivumela i-TIAA ukuba ibe nokulawula imali epheleleyo elawulwayo ukuze inokutshala ixesha elide kwaye ifezekise injongo yayo yokubonelela inqanaba eliphakamileyo lomdla ngelixa liqinisekisa isiqununu. Ngoku makhe sijonge oko kwenzekayo xa ufuna ukufumana inzuzo kwi-TIAA Yonyaka Yomdumo - into endiyibiza ngokuthi "isigaba sokuhlawula".
ISIFUNDO SOMSEBENZI
Ngethuba lesigaba sokuhlawula , unezinto ezintathu ezikhethileyo. Yilapho ndibona khona ukudideka. Iinqunto zakho zi:
- Imali evela kumhla wendabuko- oku kukuvumela ukuba uhoxise kuphela umdla ozuziweyo kwi-TIAA. Ngolu khetho, kukho inqanaba elincinci elincinci elincinci elincinci elincinci elinqwenelekayo elichaza isigqibo esincinci esincinci se-nkontileka esiya kuzuza. Olu khetho alufuneki ukuba unyuse isivumelwano sakho - uyayikhupha umvuzo owenziweyo. Njengoko kwisigaba sokuqokelela, le mali yesistim esincinci sinokuxhaswa ngeemali ezongezelelweyo njengoko zivakaliswe ngonyaka.
- Ubomi beentlawulo eziqinisekisiweyo zokuhlawula okukhethiweyo - olu khetho lunikezela ngeniso eqinisekileyo xa uhlala. Ukhetha i- termuity term efana nobomi kuphela, umntu osindileyo, okanye ubomi kunye nexesha eliqinisekileyo. Ngolu khetho, kufuneka ucele isicatshulwa somvuzo ukuba ubone ukuba yeyiphi imali engenayo yenyanga. Akufanele usebenzise isantya senzala eqinisekisiwe echazwe ngasentla ukwenzela ukuba uqaphele izinga lakho lokuhlawula . Inqanaba lomdla kunye nexabiso lokuhlawula alifani, kwaye abathathi-nxaxheba abaninzi be-TIAA abaqondi kakuhle oku kwaye bahlukumeza ngokukodwa imali engenayo yenyanga. Imilinganiselo yakho yokuhlawula iyinani elenziwe ngokwezifiso elinqunywe lixesha lakho, ixesha ocela isicatshulwa, kunye nexesha lokuhlawula elikhethiweyo. Imilinganiselo yakho yokuhlawula isebenzisa inqanaba lemali elincinci elincinci eliqinisekileyo kwifom (isantya esahlukileyo kunesigaba sokuqokelela) esichaza inani lakho lokuhlawula - kodwa inqanaba elincinci lexabiso elincinciweyo alikho izinga lakho lokuhlawula - liyingxenye enye yefomula. Ngentlawulo yokuhlawula imali, intlawulo nganye oyifumanayo ibandakanya inzala kunye nokubuya kweminye inqununu yakho. Njengoko kwisigaba sokuqokelela, kukho iimali ezongezelelweyo ezingakhokhelwa ngaphezulu kwengeniso yakho yokuphila eqinisekisiwe kwisigaba sokuhlawula. Ezi mali ezongezelelweyo ziyenzeka ukuba / xa inkampani inezibonelelo ezingaphezulu. Kwi- TIAA ye-Traditional Annuity , bathi "Kubalulekile ukuba uqaphele ukuba ukuba i-TIAA yayiyimpampani yomshuwalense yesikhokelo, iindawo zokugcina ezingasetyenziswa zingasetyenziselwa inzuzo yabanini bempahla kunokuba bathatha inxaxheba." Ngenhlanhla kubathathi-nxaxheba be-TIAA, iindawo zokugcina ezongezelelweyo zisetyenziselwa zona. Ukongeza kwixesha lokuhlawula elikhethiweyo, unokukhetha phakathi kwendlela edibeneyo, apho ufumana khona ngaphantsi kodwa ingeniso yakho iyanda ngonyaka, okanye indlela eqhelekileyo, enika imali ehleliweyo nyangazonke.
- Imali evela kwi-annuity eguquguqukayo- olu khetho lunikeza inkcitho yenyanga yenyanga eya kuhluka ngokuxhomekeka kwindlela yokusebenza kwindlela yokutshala imali. Ngolu khetho, njengokhetho olubini ngentla, uhlawulela isivumelwano sakho kwaye ukhetha ixesha lokunyusa kwakho.
Incwadana ye-Income Retirement Retirement Income ye-TIAA CREF yenza umsebenzi omkhulu wokubeka ezi zikhetho ezintathu kwaye ekugqibeleni, inikeza icala kwicala lomzekelo wesampula yenyanga ngenkokhelo nganye. Le kuphela isampula kwaye ayibonakali kwingeniso yenyanga oyifumanayo. Kufuneka ucele umzekeliso owenziwe ngumntu ukuba ubone amanani akho. Lo mzekeliso ubonisa ukuba umehluko phakathi kokuhlawula okuqinisekileyo kwesivumelwano phantsi kokukhethwa kwezi zibini ngasentla, kwaye ukuhlawula okukhoyo kunokuquka iimali ezongezelelweyo ezinganikwa unyaka ngamnye ibhodi.
I-TIAA ye-Intanethi yokuHlaliswa kweRhafu yokuHlala
I-TIAA inikeza ithuluzi elikhulu lokucwangcisa umhlala-phantsi kwi-intanethi (kufuneka ungene ngemvume ukuyisebenzisa) evumela ukuba ubeke imodeli yokudluliselwa kwii-TIAA zeNkcubeko. Ukuze usebenze lo mzekelo ngaphakathi kwesixhobo, kufuneka wenze utshintsho lokukhohlisa kwi-Annuity yeNdabuko. Abanye abathathi-nxaxheba baxhalabele ukuba ukwenza oko kwakudlulisela imali-kodwa ngaphakathi kwesixhobo, kuwukuphela kweenjongo zokufanisa-akukho ukutshintshwa okwenziweyo okwenzekayo.
Sifumene ukuba akuyiyo yonke into ye-TIAA-CREF yamakhasimende e-reps eyaziwa ngayo yonke imiba yeengeniso kunye neendlela zokuhambisa. Khumbula, ezininzi iinkonzo zeenkonzo zabathengi ziyiminyaka embalwa kuphela esikolweni. Ngakolunye uhlangothi, unamava eminyaka. Yiba nesineke kwaye ukhuthele kuphando lwakho kwaye uya kukwazi ukuvavanya ngokuchanekileyo kwaye ulandelele izinto ozikhethayo.
Isiphelo: ukuba ufuna isiphumo esiqinisekileyo, kwaye unokufikelela kwi-TIAA Yenkcubeko Yomdabu, kukhethwa ngokukhethekileyo.