Iimali ezininzi ze-Annuities ziye zazithengiswa kuzo zombini i-IRA kunye ne-non-IRA akhawunti ukususela ngo-2004. Iitoni zabathengi bam sele bebenabo ngokwabo ngeemfuno zokufumana ngenjongo ezizayo.
Kungenxa yokuba i-annuity ebizwa ngokuba yi-Long Age Annuity ayithethi ukuba ibonwa njengeQLAC. Oku kubaluleke kakhulu ukwazi, kwaye kuya kuba yindawo yokudideka njengoko iqhinga leQLAC likhula ekuthandeni.
Ukuba usunayo i-Annuity Longezwe, ayikwazi ukuhlaziywa kwakhona njengeQLAC. I-QLAC yinto ekhethekileyo yokuhlala ixesha elide elingasetyenziselwa kwizicwangciso ezifanelekileyo ezifana ne-401k okanye i-IRA yeNdabuko. Ngaphambi kokuba ii-QLAC zenziwe zifumaneke, ukuba unenkontileka ye-Long-term ye-Annuity ngaphakathi kwe-IRA, abaninzi abathwali bafuna ukuba uvule umrhumo ngaphambi kweminyaka engama-70 ½, kwaye ungaze usebenze neziphakamiso ezedlulileyo.
Yintoni i-Annuity Long?
I-Annuity Ebudeni bexesha elimisiweyo ngumvuzo ochanekileyo oqinisekisa umvuzo ozayo kwikamva ngomhla ochazayo ukuqala ezo ntlawulo. Kwakhona ngokuqhelekileyo kuthiwa yi- Annuality Revenue Income (DIA) . Ezinye iikontraka ze-Longevity Annuity (DIA) zivumela ukuba ulandele imfutshane njengeminyaka emi-2, kwaye uneminyaka engama-45. Ekuqaleni kwaziswa ngo-2004, i-Longevity Annuities iqalile ukuba yathandwa kwiminyaka embalwa edlulileyo njengendlela elula yokufumana abagibeli beengeniso ezixhomekeke kwiimali ezichaseneyo ezinjengeenkcukacha eziguquguqukayo kunye nezikhokelo.
Ii-QLAC zinokukhawulelwa kweprayimenti ye-25% yexabiso lakho le-IRA okanye i-$ 125,000, nantoni na ngaphantsi. Ngokomzekelo, inani elipheleleyo le-IRA lemali eyi-500,000 liya kuvunyelwa ukuthenga i-$ 125,000 ye-QLAC kwaye idibanise loo mali kwiholo elizayo. Abantu banokusebenzisa i-Longevity Annuities (i-DIAs) ngaphandle kwe-IRA yabo ukuba ingeniso efumanekileyo yexesha elizayo ngaphezu kwala ma nqanaba liyadingeka.
Ngee-DIA, ezingekho ezifanelekileyo (ezingezizo ii-IRA), akukho nciphiso lwepalamum. Ngokudibanisa ne-QLAC, ii- DIA ziyakunqumla nayiphi na imfuno yengeniso yempesheni enokuba nayo kwaye inokuncedisa ukuKhuseleko lweNtlalontle kunye neentlawulo zempesheni .
Yintoni i-QLAC?
Umthetho ochanekileyo uchonga i-QLAC njengeKontrakthi ye-Annuity Contract. Ngokuqhelekileyo zibhekiswa njengezifanelekileyo. Ileta ebalulekileyo yegama le-QLAC li-"Q" elimileyo elifanelekileyo. Oku kwahlukileyo kusebenza kwiakhawunti ethile yomhlalaphantsi kwaye ikuvumela ukuba usebenzise i-QLAC ukuchasisa iminyaka engama-70 ½ kwaye ude ufike kuma-85 kwisicwangciso sakho esifanelekileyo.
Ushintsho lwe-QLAC lufuna njani ukusabalalisa ubuncinane kwi-IRA yeNdabuko?
Ukuchazwa kwi-70 ½ edlulileyo kubaluleke kakhulu ngenxa ye-IRS i-Minimum Distribution Distribution (RMD) imigaqo eyenza uqale ukuthabatha imali ngaphandle kwe-IRA yakho kwiminyaka engama-70 ½ ubudala. Ii-QLAC ziyakunciphisa irhafu kwii-RMD zakho kuba uya kubeka ezo zibalo kwimali eseleyo. Kulo mzekelo ukhankanywe ngasentla, endaweni yokuthatha ii-RMD kwi-$ 500,000, uya kwenza ukuba i-RMD yakho ibalwe kwi $ 375,000. Lo umehluko omkhulu, kwaye ungathetha ukugcinwa kweentlawulo ezinkulu kwixesha.
Ngaba kunzima ukufumana i-QLAC?
Ii-QLAC ziya kuba neefayile ezicelo ezithile kwaye umgaqo-nkqubo uza kupela ukuba imveliso ivunyiwe phantsi kwesigqibo se-QLAC.
Oku kubaluleke kakhulu ukuba umboleki aqonde ngokupheleleyo ngaphambi kokuba athenge, kwaye uqinisekise ngokunikezelwa kweenkqubo.
Kuphela i-annuity annuity isetyenziswe kwi-QLAC. Akukho zintlawulo ezichanekileyo okanye ezixhaswe ngekhowudi ezivunyelwe!
Ngaphantsi kwesigqibo se-QLAC, kuphela isakhiwo se-longuity (DIA) esiye savunywa. Ukuhlawula okungafaniyo kunye neengxelo ezihlawulelweyo zengxelo aziqatshelwa njengei-QLAC, ukuphazamiseka kwee- arhente eziqhutywe zikhomishini . Ezi ziindaba ezilungileyo kumthengi, kuba ngokungafani noluhlu oluchaziweyo kunye nolunqununu lweminyaka, isakhiwo seminyaka esinexesha elide asinayo iindawo ezihambayo, akukho mrhumo wonyaka, kulula ukuyiqonda, kwaye iyakwazi ukucaciswa ngokupheleleyo kwaye iqondwe ngumntwana.
Ngoko xa uthengela i-QLAC ukuyifaka kwi-IRA yakho yesiGadi, cela igama le-QLAC ngegama. Ufuna i-QLAC. Qonda i-QLAC. Fumana umtsalane wokufumana imali kwi-QLAC yakho!