Abagibeli beemali ezinokuthi bangabi xabiso ukuze bagweme izinto ezingenayo
Izinzuzo eziphilayo
Izibonelelo eziphilileyo zinikeza uhlobo oluthile lwesiqinisekiso malunga nemali yengeniso ongayihoxisa xa usaphila.
Lo mgibeli unenjongo yokukunika ukhuseleko lomnatha. Yindlela yokuqinisekisa ukuba iholo lakho lomhlala-phantsi liya kuhlala lilapho xa ulifuna.
Kodwa njengalo naluphi na uhlobo lwe-inshorensi, le ntlawulo iza nexabiso-ngokuqhelekileyo kwi-.25 pesenti ukuya kwi-1 ekhulwini ngonyaka. Ezinye iimrhumo kunye neendleko ngaphakathi kwenyanga zingasebenza.
Umgaqo-nkqubo we-annuity ungadinga ukuba unyakaze umgaqo-nkqubo wakho, oko kuthetha ukuba uza kuwujika ube ngumhla wokuba ukwazi ukusebenzisa ezi zixhobo. Okanye unokuba unyanzelekile ukuba ube ngumgaqo-nkqubo wenani elincinci leminyaka, njenge-10, phambi kokuba umgibeli angasetyenziselwa.
Isiseko seNgeniso
Imigaqo-nkqubo eninzi iqinisekisa ukuba into ebizwa ngokuba "isiseko senkxaso" okanye "isiseko semali" iya kukhula kwinqanaba elibuyisiweyo lokubuyisela. Unako ukurhoxisa i-4 okanye i-5 ekhulwini kweso sabelo semali kwixesha elichaziweyo, kwaye loo mali yokurhoxiswa iqinisekiswe ubomi nokuba ngaba utyalo-mali alusebenzi kakuhle.
Abathengi beemali eziqhelekileyo banokuphutha le siseko senkxaso ngenani le-akhawunti yabo, kodwa ingeniso yengeniso empeleni i-accounting entry-ihlobo lweakhawunti ye-phantom. Kusetshenziselwa kuphela ukubala inani lakho lokurhoxisa.
Ixabiso lakho le-akhawunti langempela oko ufumanayo xa ukhetha imali kumgaqo-nkqubo. Ukuba utyalo-mali luqhuba kakuhle, ixabiso lakho le-akhawunti langempela liza kuba liphezulu kuneziko lakho lemali engenayo.
Ukuba utyalo-mali awenzi kakuhle, ixabiso lakho le-akhawunti langempela liya kuba ngaphantsi kwesiseko semali. Ingeniso eqinisekisiwe evela kwingxowa-mali ingabonakalisa iyimpawu ebalulekileyo kwithuba elide lembuyekezo yeemarike ngenxa yokuba iqinisekisa inxalenye yengeniso yakho yomhlalaphantsi.
Qonda iMigaqo
Izibonelelo eziphilayo zibonelela ngeengeniso ezihlawulisiweyo zomhlalaphantsi, kodwa kufuneka uqiniseke ukuba uyaziqonda iimfuno oza kuzidibana phambi kokuba ungasebenzisa iziqinisekiso. Buza le mibuzo malunga nonyaka wakho oguqukileyo ngaphambi kokuba ungene kumgibeli.
- Kuze kube nini kufuneka ube nomgaqo-nkqubo?
- Ziziphi iindleko?
- Ngaba umkhweli unokupheliswa kwaye iindleko ziphela xa ungasayidinga?
- Ngaba unyanzelekile ukuba unyakaze isivumelwano sokusebenzisa inzuzo?
Musa ukuthenga umgaqo-nkqubo ngenzuzo ephilayo ngaphandle kwaye uze uqonde indlela inzuzo isebenza ngayo kwaye xa ungayisebenzisa.
Ukuphucula izibonelelo zokufa
Inzuzo engundoqo yokufa ehlinzekwa ngu-variable annuity isiqinisekiso sokuthi emva kokufa kwakho, inkampani yomshuwalense iya kuhlawula umxhamli wakho ubuncinci isixa osifakayo. Kodwa oko akuveki njengenzuzo eninzi, kwaye kutheni amaninzi amaninzi anikezela uhlobo oluthile lwenzuzo "yokuphucula" ngokunjalo.
Inzuzo yokufa eyongeziweyo ivela kwifom yeendleko zokufa ezinika inyanga zenyanga okanye zonyaka. "Ukuba umgaqo-nkqubo uthatha inyathelo nyanga zonke, inkampani yomshuwalense ithatha isishwankathelo sexabiso le-akhawunti yakho nyanga nganye. Inani elibhaliweyo liba ngumlinganiselo wokuxhamla ukufa xa usweleka, nangona ukuba ixabiso lentengo lisezantsi kakhulu.
Aba bahlaseli baxhamli bafumana indleko ngaphezu kweyona ntlawulo yokufa. Umgibeli oncedayo wokufa onokunyathela inyanga zenyanga angakhokhela kuyo nayiphi na indawo .25 ukuya kwi-50 ekhulwini yexabiso le-akhawunti ngonyaka. Iindleko ze -50 ekhulwini ngonyaka zingongeza ixesha elide.
Abaxhamli beenzuzo zokufa abaza kunika inyanga okanye inyathelo lonyaka bangakunika indlela yokuvala kwiimarike zokudlula kwiindlalifa zakho.
Ukuba awukwazi ukufumana i-inshorensi yobomi kwaye akudingeki ukuba usebenzise imali yakho ngexesha lokuphila kwakho, le nto ingaba yindlela enkulu yokubonelela ngenzuzo eyongezelelweyo kubaxhamli. Ingeniso ayinakuphinda idluliswe kunye nerhafu ngokufanelekileyo njengenye enye indlela, nangona kunjalo.
ILizwi Lesixwayiso
Ukuba unabaninzi abaninzi abahamba phambili kwi-annuity yakho, imirhumo ingongeza kwi-3% ukuya kwi-4 ekhulwini ngonyaka. Imirhumo ephakamileyo yenza ukuba kungenakwenzeka ukuba utyalo-mali lenze kakuhle ngokwaneleyo ukufumana imali kunye nokukhula, ngoko qaphela ngokudibanisa iimpawu ongenakuzifunayo.