Utyalo-mali
Ngomnyaka oguquguqukayo, ufanele ukhethe indlela imali eza kutyalwa ngayo. Imbuyekezo iya kuhluka ngoxhomekeke kwinkqubela ye-investments oyikhethayo.
Kungenxa yoko kuthiwa yi-variable annuity. Xa kuthelekiswa, kunye ne- annuity ehleliweyo awukhethi utyalo-mali; Kunoko, inkampani yinshuwalense ifaka imali yakho kwaye ikunikezela ngokubuyisela okuqinisekileyo, njengokuba i-CD isebenza njani.
Ukhetha utyalo-mali phakathi kwerhafu ekhethiweyo ngaphambili (ezi zibizwa ngokuba yi-sub-accounts ngaphakathi kwe-annuity). Ukhetho oluphantsi kwe-akhawunti lungabandakanya iimali zesikhwama se-blue-chip, iifowuni ze-stock, i-stock-cap stock fund, iintlobo ezahlukeneyo zeemali ezibophelelweyo, izitye ezixabisekileyo, ukhetho olufanelekileyo kunye nemarike yemali. Amanqaku amaninzi ahlukeneyo anokufumana iipotifoliyo zemizekelo ongakhetha kuzo.
Ngokuqhelekileyo unako ukuseka utyalo lwakho kwi-annuity eguquguqukayo, ngoko-ke ukulungelelanisa ngokuzenzekelayo kwishedyuli esinqunyiwe (njengonyaka okanye kwikota), okanye ungangena ngemvume kwi-akhawunti yakho kwi-intanethi uze uhambise imali-mali ngokubanzi njengoko ufuna.
Enye yeenzuzo ezifunyenweyo zonyaka oguquguqukayo kukuba, njengoko unokuzikhethela utyalo-mali lwakho, unokukwazi ukufumana ukubuyiswa kwexesha elide kunokuba yeyiphi imali ehlawulwayo ehlawulwayo. Le nto ingakwazi ukuhlawulela - ngenxa yemirhumo ephakamileyo kwiintontrakthi ezininzi ezininzi ngokubanzi utyalo-mali olutshintsho oluninzi luqhuba kakubi ngaphezu kwepotfolio yezimali
Umxhasi we-Inshorensi
Njengoko i-variable annuity isivumelwano kunye nenkampani yomshuwalense, kufuneka kubekho uhlobo lomshuwalense olunikeziweyo. Uninzi lweenkontileka zonyaka oqinisekisa ukuba imali otyalomali iya kubhatalwa njengenzuzo yokufa. Kuthetha ukuba utyalo-mali lwakho luba nelahleko, kwaye uyadlula, umntu ozuzwa ngokuba ngumxhamli uyabuyisela imali eyimali oyitshalileyo (ngaphantsi kwanoma yiyiphi ihoxiso oya kuthatha). Le ntlawulo yokufa ivumela ukuba imali ihlawulwe njenge-inshurensi.
Ekubeni ifanelekile njengenkontileka yomshuwalense, nayiphi na imali yokufumana imali yerhafu yenziwe yerhafu. Awufumani ifomu ye-1099 yerhafu ngonyaka kunyaka, inzuzo kunye neenzuzo ezinkulu kwi-annuity variable. Kunoko, uhlawula irhafu ngeli xesha uthabatha ukuhoxiswa, kwaye uzuzo lubonwa ukuba luhoxisiwe kuqala. Ukuba uhoxisa imali ngaphambi kokuba ufikelele kwiminyaka engama-59 / 1/2 kwerhafu yentlawulo yokurhoxiswa kwangaphambili kwi-tax exemption ingafaka isicelo nakweyiphi inxalenye yokurhoxiswa ekubhekiselele kwimali yokufumana imali.
Abatyalomali kwiibhanki eziphezulu ezikarhulumente kunye nexesha elide (iminyaka engama-20 okanye ngaphezulu) banokuzuza kwi-taxer deferral, ingakumbi ukuba basebenzise i-annuity eguquguqukayo yokubamba imali engeniso engenayo eyayiza kuveliswa ngenzuzo yerhafu yonyaka.
Iminyaka emashumi emithathu yentlawulo yokutsalwa kweentlawulo kwiingxowa-mali ezithatha imali phakathi kwe-annuity eguquguqukayo ingaba nengqiqo kulabo abakhonkqo berhafu aphezulu ngoku, ngokukodwa ukuba balindele ukuba baya kuba sekhokhini yerhafu ephantsi emva komhlalaphantsi.
Uninzi lwabantu, nangona kunjalo, aluyi kuxhamla kwiimpawu zokufakela irhafu yenkcitho eguquguqukayo kuba ekugqibeleni i-capital income kwi-annuity ayiyi kuvunyelwa ukuba irhoxiswe kwizinga eliphezulu lentlawulo yokufumana irhafu.
Izinzuzo ezikhethiweyo zokuthenga
Uninzi lweenkampani zomshuwalense zinika iinshorensi ezongezelelweyo onokuzithengayo, ezifana nabahlawuli beenzuzo zokufa, ezinokubonelela ngeendlalifa zakho, kunye nabagadi benzuzo eziphilayo , ezinokubonelela ngeengqinisekiso malunga nokuba unemivuzo engakanani ongayihoxisa kumgaqo-nkqubo emva komhla. Amaninzi amaninzi ahlukeneyo anikezela unyango olukhethiweyo malunga nokurhoxiswa kweendleko zonyango elide. Aba bagibeli bahlala benomrhumo ochaphazelekayo-ngoko uhlawula ukufaka kwiintlawulo ezifunwayo kwisivumelwano sakho sonyaka.
Ngaba Imali Eyintlobo Ekhoyo Ikulungile?
Utyalo mali kufuneka kuthengwe njengenxalenye yesicwangciso.
Ukuba uyaqonda ukuba injongo yenzeni isicwangciso sakho, ngoko kungathi kuthengwe ukuthenga. Ukuba uvakalelwa kukuba unyanzelekile ukuthenga enye, kwaye umntu othengisayo kuwe akazange enze icebo elipheleleyo, qaphela.