01 Thenga i-Annuity Immediate
Iyiphi indlela elula yokufumana impumelelo eqinisekisiwe? Yithenge. Yiyo kanye into oyenzayo xa uthenga i- annuity ngokukhawuleza- usebenzisa isamba semali ukuthenga ingeniso eqinisekileyo. Unokukhetha ukhetho apho uya kuhlawula ixesha lakho lokuphila okanye ixesha lokuphila elidibeneyo ukuba utshatile. Ukuthengwa kungaba yintsebenziswano yobomi bonke abafuna ukufikelela kwiminyaka eyi-centenarians! Akukho ndlela onokuyenza ngayo ingeniso yokufumana umvuzo wakho ngokukhawuleza.
Njengoko igama lithetha ukuba, "ngokukhawuleza" kuthetha ukuba inzuzo iqala ngokukhawuleza, ngoko ixesha elifanelekileyo lokujonga le khetho xa ulungele ukuthatha umhlalaphantsi kwaye ufuna imali engenayo eya kuqala ngokukhawuleza. Ingeniso yenyanga engayifumanayo iya kuxhomekeka kwiminyaka yakho. Umdala ongowakho, umvuzo ophezulu oya kufumana nge dollar oyityala.
02 Sebenzisa I-Rider Benefit Rider kwi-Annuity ekhethiweyo
Ukuba ufuna ukuthenga ingeniso eqinisekileyo ngethuba elithile kwikamva, khangela i-annuity ine- rider winner benefit benefit , ngezinye iinkcukacha ebizwa ngokuba yi-GMWB, okanye inzuzo yokuxothwa kwexesha lokuphila (i-LWB)
Ngolu hlobo lotyalo-mali, ubeka imali yakho namhlanje ngenjongo yokuthatha ingeniso kwithuba eli-10 okanye ngaphezulu kwixesha elizayo. Inkampani yenkampani ithatha i-snapshot yexabiso le-akhawunti yakho unyaka ngamnye njengoko uhamba. Njengoko ixabiso leakhawunti likhula, ixabiso elitsha eliphakamileyo livalelwe njengolu hlobo olutsha "lwengeniso." Ungasebenzisa inkulu yexabiso le-akhawunti yangoku okanye ixabiso lemali yengeniso ukuvelisa ukuhoxiswa kwakho okuqinisekileyo xa usebenze umgibeli wakho wokurhoxisa. Isixa onokusihoxisa ngokuqhelekileyo siyahluka ukusuka kwi-4 kuya kwi-6 ekhulwini yexabiso le-akhawunti / ixabiso lentengo yengeniso, kunye neepesenti ngqo ezixhomekeke kwiminyaka yakho ngexesha lokurhoxiswa kunye nemimiselo yesivumelwano sakho.
Ukusebenzisa olu khetho lunokuba yindlela efanelekileyo yokukhusela ixabiso leakhawunti kwiimpembelelo ezinokuthi ukuncipha kweemarike ziza kuba uneminyaka eyi-10 ukuya kwe-15 ukusuka ekuthatha umhlalaphantsi, ngakumbi ukuba kufuneka ukuba kwenzeke njengoko ufumana ngokusondeleyo kwiminyaka yakho yokuthatha umhlalaphantsi.
03 Umsebenzi ukuya kuPensheni
Kuhle ukuba uthathe umhlalaphantsi kunye nomhlalaphantsi. Abanye abaqeqeshi bachithe iminyaka eyi-10 edlulileyo yemisebenzi yabo kwi-arhente karhulumente ukuze bafumane ipensheni . Oku kuhamba ngokulula kwabo bangasindelanga ngokwanele ukuhlala phantsi emisebenzini yabo. Khangela abaqeshi ababonelela ngeempesheni kwaye bahlolisise ukubona ukuba ishedyuli yokubopha. Kuze kube nini ufanele usebenze apho ukuze ufaneleke?
Yaye ukuba ucinga ngokutshintsha abaqeshi, unokufuna ukulinda ixesha elide xa usebenza ixesha elongezelelweyo kuthetha ukuba uya kufumana iholo elingaphezulu. Ezi zigqibo zinokunceda ukwenza umhlala-phantsi wakho ukhuseleke ngakumbi.
Abanye abantu banenkxalabo yokuba ipensheni yabo ayinakho ukuhlawula zonke iintlawulo ezithembisiwe. Umdala xa uqala umhlala-phantsi wakho, inkokhelo yakho iyakuba yokhuseleko. Kukho uhlobo lwe-inshurensi karhulumente ebizwa ngokuba yiNkampani yeNgcaciso yeNzuzo yePensheni okanye iPBGC. Ikhusela inzuzo yempesheni, kodwa isixa esiqinisekisiwe sinalo. Inani eliqinisekisiwe liyancitshiswe kunyaka ngamnye uhlala phantsi ngaphambi kweminyaka engama-65. Ukuba ipenshini yakho ihlanganiswe yi-PBGC, qala izibonelelo ezingama-65 okanye kamva ukwenzela ukuba ukhuphule inani lemali eqinisekisiwe.
04 Fumana iNgxowa-mali
Ingeniso eqinisekisiwe yileyo: ingeniso eqinisekisiwe yobomi ngaphandle kwengozi. Imboleko yokubuyisela i-reverse ingabonelela ngelo nqanaba lokhuseleko kunye nengeniso yerhafu. Ngoko kutheni abantu abangabasebenzisi abaninzi?
Izizathu ezibini: ukwesaba kunye neentlawulo. Okokuqala, abantu bayesaba ukuba ibhanki inokuthatha ikhaya labo. Oku kwakuyinyani edlulileyo kodwa imimiselo ishintshile ngokuphawulekayo kwiminyaka engama-30 edlulileyo. Le mveliso ngoku ikhuselekile, inamandla, kwaye ingekho yingozi kumboleki.
Okwesibini, abanye abantu bacinga ukuba iirhafu ziphezulu kakhulu. Kwakhona, imimiselo iphucule le meko kunye nemali namhlanje ayikwazi ukudlula imida echazwe nguRhulumente. Ukuba uneminyaka yobudala engama-62 okanye ngaphezulu, ukuba ufuna imali engenayo, kwaye ukuba uhlawule ikhaya lakho okanye unobulungisa obuninzi kuyo, imali yokuthenga imali ingasetyenziswa.
05 Qaphela malunga Nokuba Ubangelwa Ukhuseleko Loluntu
Uninzi lwabathathe umhlala-phantsi lufumana inxalenye enkulu yeengeniso zabo eziqinisekileyo ukusuka kwiNtlalo yoKhuselo. Abo bafumana inzuzo yeNtlalo yeNtlalo bafumana ukulungiswa kweendleko zonyaka ngamnye, okuqhelekileyo kubangele ukwanda kweenzuzo.
Ingxaki kukuba abantu abaninzi basathatha uxolo lweNtlalontle kakhulu kusasa, okanye abadibanisi kunye nabatshatileyo xa betshatile. Amakhulu amawaka eedola zemali eyayiza kuhlawulwa ngeendlela zokufumana umtshato kunye neenzuzo zomhlolokazi / umhlolokazi zingabikho kwangaphambili kuba elinye iqabane lenze isigqibo esingahlakaniphiyo malunga nexesha lokuqalisa izibonelelo zakhe .
Ungabi sisidenge uze ukhawuleze ukufaka isicelo seNtlalo yoKhuseleko kwi-62. Ukuqala izibonelelo emva kwexesha elizayo kuya kubakho ukunikela isiphumo esingcono kuwe kunye nemali engenayo engaphezulu kwixesha lakho lobomi.
06 Beka imali kwi-Annuity okanye kwi-QLAC ehlawulwayo
Inyhuwalense yexesha elide yindlela yokwenza i-annuity echazwe ngokukhawuleza okuza kukuqinisekisa inani elincinci lemali engenayo kwiminyaka ethile ezayo, efana no-85 okanye i-90. Kukho uhlobo olukhethekileyo lwale mveliso ebizwa ngokuba yi-QLAC okanye iNkontileka ye-Annuity Contract ye-Long term. IRA okanye 401 (k). I-QLAC ikuvumela ukuba ulandele ukuqala kweemfuno zakho ezincinci ezifunekayo.
Abantu abanomshuwalense wexesha elide banokukhuseleka ngakumbi malunga nokuchitha imali yabo yomhlalaphantsi ngokuzonwabisa kunye nokuhamba ngelixa bancinci kuba bayazi ukuba banekamva elizayo lemali engenayo yokubonelela ngokuzayo.
07 Yakha i-Bond Ladder
Abaninzi abahlala phantsi bayesaba ukuchitha iinqununu, kodwa kuya kulungeleka ukuba ihlelwe ngendlela efanelekileyo njengenxalenye yesicwangciso. Unokwakha ibhondi okanye i-CD apho uthenga khona i-CD okanye isibophezelo esiya kukhula ngunyaka oza kuwufuna ngaloo xesha ukuhlawula iindleko. Xa ubophelelo lukhula, uyayichitha.
Enye indlela yokusebenzisa izityebo zeMali-mali , ezibhekwa njengenye yezityalo ezikhuselekileyo onakho. Zizibophelelo ezikhutshwa nguRhulumente wase-US. Amaziko ezeMali angawahlula inxalenye yenzalo yebhondi kwinqanaba eliyinhloko, ukudala into ebizwa ngokuba ngumgca we-Treasury . Unokungathenga le miqulu ngokukhawuleza okukhankanywe ngaphandle, ukudala umjelo oqinisekileyo wenzuzo kunye nokukhula komda ngamnye kunyaka apho uya kuyidinga.