Ezinye iinkampani zifuna ukuba uthathe isicwangciso sakho somhlala-phantsi ngendlela yokuhlawula imali; ngokukodwa iintlawulo zenyanga.
Iinkampani ezininzi, nangona kunjalo, zikunika ithuba lokuthatha ipension yakho njengesabelo semali endaweni yokuhlawula imali. Okanye, kwezinye iimeko, unako ukuthatha inxalenye yalo njengemali yonyaka kunye nenxalenye njengesamba semali. Ngezantsi zizinto ekufuneka uziqwalasele, kunye nomzekelo wendlela owenza ngayo ukubala ukuthelekisa ukhetho.
I-Pros ne-Cons Cons of Distribution Sum Sum
Uninzi lwabantu bathanda imbono yokuthatha isamba semali. Nasi isizathu:
- Ukufikelela kwimali yokwenza njengoko uthanda.
- Ukuba ulawulwa kakuhle, unako ukuvelisa umlinganiselo ofanayo wokufumana imali, kwaye ugcine ulawulo lwenqununu ukuba udlulele kwiindlalifa.
Kodwa, abantu abaninzi abakucinge ngengozi yokuthatha isamba semali. Apha:
- Ukufikelela kwisixa semali kwenza kube lula ukuyisebenzisa ngokukhawuleza.
- Ukuba imali ilawulwa ngendlela engafanelekanga, ityala imali ngokungekho kakuhle, okanye iimarike zenzekanga kakuhle kwiminyaka yakho yokuqala yeshumi yokuthatha umhlalaphantsi, unokuphelelwa yimali.
I-Pros and Consence ye-Annuity
Umvuzo kunye nezinga elifanelekileyo lokuhlawula linamathuba amaninzi afanelekileyo afana ne:
- Ingeniso eqinisekisiwe yobomi. Awukwazi ukukhupha imali engenayo.
- Akukho zigqibo zolawulo lotyalo-mali okanye uxanduva.
Ingxaki yokuthatha isibonelelo semali yilezi:
- Ukuba unempesheni enkulu, inxalenye yezabelo zakho zenkxaso-mali yexesha elizayo isekelwe ekuzinzileyo kwemali yomqeshi wakho wangaphambili. Iinzuzo zinokunciphisa kakhulu ukuba abaphathi kakuhle imali yabo yomhlalaphantsi. Nangona kunjalo, kunye neepensheni ezininzi, inxalenye yengeniso yakho yomhlalaphantsi iqinisekisiwe yi-PBGC (i-Pension Benefit Guarantee Corporation).
- Isixa-mali esilungisiweyo senyanga siya kuhamba kunye nexabiso lentengo. (Ezinye iingeniso zempesheni zineendleko zokulungiswa kokuhlala ezakhiwe ngaphakathi, kodwa ininzi ayinayo.)
Emva kokuba uqonde i-pros and cons, kufuneka ukhangele izinga lokubuyisela ngalinye lokukhetha kwaye uqhathanise loo mngcipheko ochaphazelekayo.
Ngezantsi umzekelo. Amanani aphuma kwi-retiree yangempela ezama ukugqiba isigqibo sokuba ngaba kufuneka athathe isamba semali okanye ukusabalalisa imali.
Umzekelo: Umthamo woLuhlu okanye iParsion Pension Distribution
Masicinge ukuba uJoe uneminyaka engama-62 ubudala, malunga nokuthatha umhlalaphantsi, kwaye unokukhetha okulandelayo malunga nendlela aqokelela ngayo umhlalaphantsi.
- Ubomi obungabodwa obungama-$ 2,250 ngenyanga
- Ama-50% ahlangeneyo kunye nabasindayo: i-$ 2,078 ngenyanga
- I-100% edibeneyo kunye nabasindayo i-annuity: $ 1,931 ngenyanga
- Ubomi bemivuzo ngeminyaka eyi-10 ethile: i-$ 2,182 ngenyanga
- Isamba semali esisasazwa ngexesha elilodwa: i -347,767 i-$ idibene kwi-IRA yayo
Inkcazo yempesheni yekhefu yokukhetha
Ukuba uJoe ukhetha ukhetho olulodwa lomntu uya kuzuza i-$ 2,250 ngokuhlala nje. Inzuzo yenyanga iyayeka xa efa, ngoko ukuba uhlala nje omnye umnyaka, akukho mali eyongezelelweyo iya kuhlawulwa. Ukuba uthe watshata, umlingane wakhe akayi kufumana inzuzo.
Ukuba uJoe ukhetha u- 50% odibeneyo kunye nolondolozo lwentlawulo , uya kufumana i-$ 2,078 ngenyanga, kwaye ekufeni kwakhe, umlingane wakhe uya kufumana i-$ 1,039 ngenyanga xa ephila.
Ukuba uJoe ukhetha u- 100% odibeneyo kunye nosindiso lwakhe , yena kunye neqabane lakhe baya kufumana i-$ 1,931 ngenyanga malunga nexesha elide liphakathi kwabo. Kule meko, uJoe uthatha i-$ 319 ngaphantsi kwenyanga ukuze iqabane lakhe liqhubeke lifumana inzuzo enkulu ekufeni kwakhe. Cinga nge $ 319 / inyanga njengoko uthenga i-inshorensi yobomi.
Indlela ezi zikhethiweyo zee Pension Annuity zithelekisa ukuthatha i-Lump Sum Distribution
Ukuze uphendule oku, uJoe kufuneka abalele izinga langaphakathi lokubuyiselwa kwenyanga kunye nokuthelekisa loo nqanaba elindelekileyo lokubuyiselwa kwintalo engayenza ukuba wayithatha isamba semali.
Ukubala izinga langaphakathi lokubuyiselwa kwekhefu lokukhetha umhlala-phantsi, uJoe ufanele acinge ngamathuba ambalwa okulindela ubomi. Okokuqala, sebenzisa ixabiso lamanqaku lalingama-347,767 weeRandi, iintlawulo zeenyanga ezi-2,250 ngenyanga nganye iminyaka engamashumi amabini, kwaye akukho nto isalayo ekupheleni.
Oku kufana ne-4.76% yentlawulo yangaphakathi. Emva koko sebenzisa iinombolo ezifanayo, kunye neentlawulo zeminyaka engamashumi amabini anesihlanu. Elinganisa ngaphezu kwe-6% yentlawulo yangaphakathi yokubuyisela, kwaye ufumane uJoe ukuba abe neminyaka eyi-87, ekulinganisela ixesha lokuphila lokulinganisela ukusebenzisa.
Kukhetho lwama-annuity kunye no-100% oluhlangeneyo kunye nomvuzo oneminyaka engamashumi amabini anesihlanu, izinga lokubuyisela li-4.49%. Ukuba umfazi kaJoe usemncinci, kwaye ukuhlawulwa kweminyaka emashumi amathathu, kwenzeka ukuba kubuyiselwe ku-5.29%.
Ukuba uJoe uthatha isamba semali, uya kufumana i-$ 347,767. Unako ukhetha ukutyalula le mali kodwa ufuna. Ukuba uyayilandela imigaqo emiselweyo yokuhoxiswa kwemithetho , unokukwazi ukudala umvuzo wemali engama-5% ngonyaka, unokukwazi ukwandisa le ngeniso ngamnye ngonyaka ukwenzela ukukhupha umphumo wexabiso lokunyuka kwamaxabiso, nokugcina ulawulo lwenqununu yakhe; nangona kunjalo, kuya kufuneka ukuba alandele isicwangciso-mali esingaguqukiyo kwixesha elide lokufeza oku, kwaye-ke-akukho ziqinisekiso zokuba ziya kusebenza kuzo zonke iimeko zemarike. Ukuba kusebenza, nantsi ingeniso uJoe angayilindela:
$ 347,767 x .05 (5%) = $ 17,388 / ngonyaka ekuqaleni, okanye i-$ 1,449 ngenyanga, ngokunyuka okulindelekileyo kunyaka ngamnye ukukunceda ukukhupha umphumo wokunyuka kwamaxabiso. (Ngexesha likaJoe lifikelela kuma-82, ukuba utyalo-mali luyakwazi ukunyusa ukwanda kwe-2% ngonyaka, ukunikezelwa kwakhe kuya kwanda ukuya kuma-2,239 ngenyanga.)
Ukusebenzisa ixabiso lemali eliyi-347,767 yeeRandi, iintlawulo zenyanga ze-1,449 zamaRandi ezonyusa ngamnye ngonyaka nge-2% ngonyaka kunye nokuhlala komntu ongaphantsi kwe-Joe iminyaka engama-20, kunye nexabiso elizayo le-$ 347,767, oku kuya kufana nokulinganiselwa kwangaphakathi kwe-6.5% . Eli nqanaba lokubuyisela licinga ukuba imali ilawulwa ngokufanelekileyo, ngaloo ndlela inikezela ukunikezelwa kwexabiso lokunyuka kwamaxabiso ngelixa igcina inqununu.
Ukuthelekisa i-Pension Annuity to Distribution-sum Distribution
Umbuzo uJoe ngoku ufuna ukuwubuza uthi, "Ngaba ukubuyisela okongeziweyo kunokubaluleka ukuba uJoe athathe umngcipheko wokulawula i-asethi ngokwakhe?" Abanye abantu abakwazi ukukhululeka ngemali esele kwisicwangciso somhlala-phantsi seenkampani. Abanye baziva bekhululekile ukugqithisa imali kwicebo le-IRA nokuzilawula ngokwazo okanye ukuqesha umntu ukuba ayiphathe.
Kufuneka uhlalutye i-pros and cons, kwaye ixabiso elilinganayo lokubuyela, kwaye wenze isigqibo sakho. Kwixesha elidlulileyo, malunga neyesithathu kweso sithuba, iphothifoliyo elawulwa kakuhle iyakwazi ukuphumeza intlawulo yangaphakathi yembuyekezo yangaphakathi engaphantsi kwama-6%. Oku kungenxa yokuba into ebizwa ngokuba ngumngcipheko wokulandelana ingaba nefuthe elikhulu kwiimbuyekezo zakho xa ukhangela imali. Musa ukuzithemba kwiimarike ukunikezela ngokuphindaphindiweyo kwimbuyiselo ephezulu kumhlalaphantsi.
Uncedo oluninzi lwee-annuity lunomdla kakhulu, ngakumbi ukuba unokubangela ukuba unokuhlala ixesha elide. Musa ukudlulela isibonelelo semali ngaphandle kokuhlalutya kunye nesisiseko esinamandla sokuba kutheni isixa-mali singenzi kakuhle kwimeko yakho.