- Nika isandla kwi-akhawunti ngexesha elide (ukwenza iminikelo yenyanga, umzekelo), okanye
- Bashiye imali yabo kwi-akhawunti (nethemba lokuba liya kukhula emva kwexesha)
Igama elichaziweyo lithetha ukuba uya kuthi (okanye ukulibala) uthathe iintlawulo kwiikhontrakthi. Qhathanisa ukuhlawulwa kwemali kunye ne -annuity ngokukhawuleza : i-annuity esheshayo iya kuqala ukwenza iintlawulo (phantse) emva kokuba uthenge kwaye uhlawule imali.
Ukuba uqala ukuthatha iintlawulo kwi-annuity esheshayo, kunzima okanye akunakwenzeka ukuyeka inkqubo kwaye ufumane imali yakho.
Ngamanye amagama, nge-annuity annerity ulinde - mhlawumbi ngonaphakade - ukuhlawula isivumelwano (nokuba ukhetha iintlawulo zexesha lokuphila okanye enye ilungiselelo).
Qaphela: nceda ufunde ulwazi olubalulekileyo ekupheleni kweli phepha.
Ukunyamezela ngonaphakade?
Xa usebenzisa i-annuity echasiweyo, akufuneki ukuba uphinde uguqule imali ibe ngumjelo oqhelekileyo wengeniso. Endaweni yoko, unokwenza nje ukurhoxisa njengoko kuyimfuneko, uthathe konke ngaphandle kwesinye isixa-mali, okanye utshintshise impahla kwi-annuity okanye akhawunti. Ekugqibeleni, i-annuity annerity ikuvumela ukuba ugcine ukulawula imali kwaye ugcine iinketho zakho zivulekile endaweni yokunikezela ngokungapheliyo yonke into kwiinkampani zomshuwalense.
Xa isetyenziswe ngaloo ndlela, i-annuity echasiweyo ngokukodwa i-akhawunti eyenzeka ukuba ibe neminye impawu yonyaka : iziganeko ezithile zerhafu, kwaye mhlawumbi ezinye iziqinisekiso ezenziwa yinkampani yinshuwalense (kubandakanywa nokufumana inzuzo yokufa).
Ixesha eliyiminyaka libhekisela kwinqanaba leentlawulo - kwaye ngokwemveli baye basetyenziselwa ukubonelela ngenzuzo yokuphila (ngokuthatha umhlalaphantsi, umzekelo). Ukuba ekugqibeleni ugqiba ukwenza i-annuitize, uza kukhetha inkokhelo yentlawulo kwiluhlu lwakho lweenkampani zomshuwalense. Umzekelo, unokukhetha ukuba ube nenzuzo ehlawulwayo ngexesha lokuphila kwakho kuphela, okanye unokukhetha ukufumana imali engenayo ixesha elide lobomi bakho okanye ixesha lakho lobomi.
Ukufumana iinkcukacha ezongezelelweyo malunga nokukhethwa kwentlawulo, funda malunga nokunyusa .
Ukurhoxiswa kweRhafu
Musa ukudibanisa ixesha lokuhlawulwa kwirejista echasiweyo kunye nokuchaswa kweerhafu , enye enye into efumaneka kwiimali zonyaka. Ngentlawulo yokufakela irhafu, awuhlawuli irhafu kwimali engenayo ngaphakathi kwenyanga yonyaka njengoko inzuzo ingeniswa kwi-akhawunti. Kunoko, uhlawula irhafu xa imali yokufumana imali isuswa kwi-akhawunti ekhishwe irhafu. Ngokufanelekileyo, oku kukuvumela ukuba uzuze kwi-compounding: ugcina imali engaphezulu kwisivumelwano, uvuselele umvuzo wakho, kwaye ufumane ngaphezulu ngaphezulu kwezo mphotho.
Ingcamango yokumisa irhafu ifana nombono wenkxaso-mali echasiweyo: kuzo zombini iimeko ubeka into ethile emva kwexesha (mhlawumbi xa ufumene umvuzo kwi-annuity okanye xa uhlawula irhafu).
Ulwazi olubalulekileyo
Thetha kunye nomcebisi weerhafu okanye i-CPA ukunquma imiphumo yokusebenzisa i-annuity kunye nokurhoxisa okanye ukudluliselwa ngaphambi kokuba wenze nantoni na. Eli nqaku liyiyona nkcazo ebalulekileyo kwaye ayanele ngokwaneleyo ukukunceda uqonde iimveliso ze-inshurensi ezinzima (kunye nemithetho yerhafu engqongqo). Naziphi na iziqinisekiso zomeleleyo njengenkampani yomshuwalense eyenza isiqinisekiso kwaye kungenzeka ukuba ulahlekelwe yimali - qhagamshelana nommeli womshuwalense welayisensi wengingqi ukuze uthole iinkcukacha ezingaphezulu.