Ngokomzekelo, i-website ye- annuity yangaphambili ingabhala uluhlu lwe-annuity njenge-7%. Oku kuthetha ukuthengwa kwemali eyi-100 000 ngokukhawuleza uza kufumana i-$ 7,000 ngonyaka. Oku akufani nezinga lokubuyiswa kwe-7%, kwaye akunjalo nesivuno se-7% kuba kunye nentlawulo nganye yemali efunyenweyo uyifumana inxalenye yenkqutyana yakho yangundoqo.
Akufanele uthathe izinga lokuhlawula i-7% uze ulifanise nolunye utyalo-mali olufana ne-CD, i-bond ye-bond, okanye imali yengeniso yomhlalaphantsi. Oku akuthelekanga kakuhle.
Ukutshatyalaliswa ngokukhawuleza kwemveliso yengozi, kungabikho mali-mali, ngoko akusoloko isizathu esichukumisayo sokuthelekisa izinga lokubuyela kwamanye utyalo-mali, kodwa unokufuna ukwazi izinga lokubuyisela kwezinye izizathu. Ukubala inani langempela lokubuyisela kwi-annuity ngokukhawuleza kunzima kunokuba kuzwakala ngathi izinga lokubuya eliya kuthi lihlawulwe ngokukhawuleza lixhomekeke kwixesha lokuphila kwakho.
Indlela yokubala ukubuyisela kwi-Annuity
Indlela efanelekileyo yokuchazela ukujonga umzekelo. Nazi iinkcukacha:
- Owesilisa, oneminyaka engama-65, uthenge umvuzo omnye wobomi ngokukhawuleza
- Inani lemali yokuthengwa kwemali: i-100,000 $
- Ingeniso eqinisekisiwe: i-$ 700 ngenyanga (i-$ 8,400 ngonyaka)
Ekubonweni kokuqala, imali engenayo eyi-$ 8,400 ngonyaka iya kubonakala ifana ne-8.4% yokubuya.
Kwimpahla yokuthengisa echaza i-annuity, yayiza kubhekisela ku-8.4% njengezinga lokuhlawula. Ewe, i-annuity ikuhlawula i-8.4% yemali yakho yotyalo-mali ngamnye ngonyaka, kodwa inxalenye yentlawulo nganye yintlawulo yenkqununu yakho. Ukuba uhlala ixesha elaneleyo lokuba babuyele yonke inqununu yakho kuwe, baqinisekise ukuba baya kuqhubeka nokuhlawula i-$ 8,400 ngemali xa uhlala.
Ivakala kamnandi. Kodwa linda ...
Ngomvuzo omnye wobomi, ingeniso iyayeka xa usweleka, kwaye imali yokuqala etyalomali yile nkampani yomshuwalense. Uya kufuneka ukwazi ixesha lokuphila kwakho ukubala inani elilinganisiweyo lokubuyisela.
Ubomi obude obulindeleko bulingana nokubuyiswa okwandisiweyo
Ngokomzekelo ongentla, masithi loo mfana oneminyaka engama-65 unelithuba lobomi obungama-18. Kwii-700 zamawaka ngenyanga, emva kweminyaka eyi-18, i-annuity yayiya kuhlawula i-$ 151,200.
Ukubala izinga langaphakathi lokubuyisela udinga ukufaka iifowuni kwi-calculator yemali, okanye kwi-spreadsheet enkulu.
Usebenzisa i-$ 100,000 njengenani elikhoyo, i-$ 8,400 njenge-intlawulo yonyaka (i-$ 700 yentlawulo yenyanga), iminyaka eyi-18 njengekota (okanye iinyanga ezingama-216 ukuba ubala rhoqo ngenyanga), kwaye uyayisombulula kwisantya sokubuya, oku Ityala li malunga ne-5%.
Inqanaba eliqinisekileyo lokubuyisela eli-5% alibi.
Ukuba loo mntu uhlala iminyaka engama-30, izinga lokubuyela liya kufika ku-7.50%, njengokuba ngoku utyalo-mali lwamaRandi ayi-100 000 lunikeze imali engama-252,000 engeniso.
Izandi ezibuyiswe ngokuqinisekileyo ezi-7.5%.
Nangona kunjalo, kuthekani ukuba uhlala iminyaka emihlanu kuphela?
Ubomi obufutshane obulindelekileyo bulingana nokubuyisela okuphantsi
Ukuba uthengula iminyaka yokuphila, kwaye uhlala iminyaka emi-5 kuphela, isantya sakho sokubuyisela empeleni asibi.
Kwii-700 zama-700 ngenyanga ngaphezu kweminyaka emi-5, i-$ 42,000 ihlawulwa. Kule meko, utyalo-mali lokuhlawula i-annuity ulahlekelwe yimali eyi-58,000.
Akunjalo kakhulu.
Njengoko uyakubona, ixesha elide uhlala ngalo, ukubuyisela okukhulu ukuhlawula ngokukhawuleza kwenyanga kunika. Yilokho eyenza lolu hlobo lwenkcazo yokulawula ingozi. Awuyithenge ngezinga lokubuyela; uyithenga ukukhusela ingeniso yakho ngaphezu kobomi obude.
Unokusebenzisa isantya sokuhlawula ngokukhawuleza ukuthelekisa omnye umvuzo omnye, kodwa awufanele ukuyisebenzisa xa uqhathanisa ukuhlawulwa kwamanye amatyala otyalo.