Indlela yokwazi ukuba i-Annuities ikulungele wena
Eli phepha kufuneka libe ngumsebenzi jikelele wokuhlawula imali.
Emva kokuba uqonde ingcamango ungayijonga kwiintlobo ezahlukeneyo zokuhlawula.
Iingenelo zoNyaka-mali: Indlela Yonke idlala ngayo
Nangona iimveliso zentengo zingena kuzo zonke iimo kunye nobukhulu kuxhomekeke kwimigomo oyikhethayo, ininzi imisebenzi ngoku ndlela elandelayo:
- Utyalo-mali kwi-annuity
- Umhla wokuhlawula uqala ukwenza iintlawulo kuwe ngomhla ozayo okanye uluhlu lwemihla.
- Imiba eyahlukeneyo, kubandakanywa nobude bexesha lakho lokuhlawula libala ubungakanani bemali yakho yentlawulo.
- Ingeniso oyifumanayo kwi-annuity inokukhishwa kwenyanga, ngekota, ngonyaka. Iyakwazi ukugqitywa kwintlawulo yemali.
- Ngokuxhomekeke kwi-annuity yakho ethengiweyo okanye okukhethwa kukho, ungakhetha ukufumana iintlawulo kubomi bakho bonke, okanye kwinani elimisiweyo leminyaka.
- Isixa semali yentlawulo oyifumanayo siyaxhomekeke ekubeni ukhethe ukunyuswa kwexesha elimisiweyo okanye elinganayo. Oku kuthetha ukuba ngaba ukuhlawulwa okuqinisekileyo okanye umrhumo wokuhlawula owenziwe yinkqubo yokutshala imali yonyaka.
Izihlomelo ziyakunceda kwezinye iimeko. Ngokubanzi, ezinye iinzuzo kunye neenzuzo ziquka:
- Ukukhula okumiselweyo kweRhafu kunye nokuqulunqa kwisivumelwano somvuzo. Oko kuthetha ukuba ufumana irhafu kuphela kwimali oyifumanayo xa uqala ukufumana iintlawulo, kungekhona xa ukwakhiwa.
- Iirhafu ezibuyiselweyo zokubuyisela kwiidola zakho
- Iintlawulo zempilo eziqinisekisiwe xa uhlawula (ngezinye iimeko awunakudityaniswa kwakhona ukuze ufumane le ntlawulo)
- Ezinye izinto ezinokuba zibalulekile kuwe. Ezi iintsimbi ezahlukeneyo kunye neengcingo ezenza izinto ezikhethekileyo, cela umxhasi wakho malunga nalezi zikhetho ngaphambi kokusayina kuyo nayiphi na imigca.
Qaphela ukuba iinjongo zomelele nje njengenkampani yomshuwalense eyakhupha i-annuity. Ngamanye amazwi, ukuba inkampani yomshuwalense iyaphela, isithembiso asikho nto. Kufuneka unciphise le mngcipheko ngokusebenzisa kuphela iinkampani zomshuwalense ezinamandla kakhulu apho.
Iintsilelo zeentlawulo: Ngaba zifanelekile?
Xa kuziwa ekunqumeni ukuba ukungabikho kwemali ehlawulwayo inqumle iindleko ezichazwe ngasentla, kubalulekile ukuqaphela oku kulandelayo:
- Kufuneka uhlawule ngokuqinisekileyo ngenye indlela. Ukuba awuyidingi, ungabakhokheli
- Ezinye iikontraka zinikezele ixesha elinokuthi libophe imali yakho ixesha elide kunokuba ufuna
- Imithetho ye-IRS inqanda indlela othabatha ngayo imali kwi-annuity. Izabelo zinokuhlawulwa kwaye / okanye zihlawulwe
- Izibonelelo zingasetyenziswa ngaphezulu kwiibhanki
Ngengongoma engentla ingqondweni, unokugqiba isigqibo sokuthi i-annuity izakuchaphazela njani iimali zakho. Bakulungile kwabanye abantu, kwaye bangalunganga kwabanye.
I-Annuity Key Ukwenza Ukwazi
Uya kufuna ukwazi ezinye iinjongo eziphambili xa uphando malunga nenkampani yomshuwalense kunye neempesheni ezifanelekileyo. Eminye ebalulekileyo kukuba:
- Umnini weMvumelwano
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- Iintsuku ezichasene ngokukhawuleza