Ii-Annuities ezifakwe kwi-indexedities zenzelwe kwaye zaziswa ngo-1995 ukukhuphisana nama-CDs returns, kungekhona i-market market. Ii-annuities ze-Index (FiIAs) zibizwa ngokuba yi-Equity Indexed Annuities okanye i-Indexed Annuities. Kubalulekile ukuba nethemba lokubuyela kwii-FIA kunye ne-FIAs kwaye ungayi kuhlaselwa kwi-arhente yokuthengisa ye-arhente evamile. "Inxalenye yeso sakhiwo esiyinyaniso" ayikho into ephantsi ".
Iimali ezihlawulelweyo ezixhaswe ngokungafanelekanga kwaye zingabizwa ngokungafanelekileyo njenge "hybrids" njengenxalenye yecala lokuthengisa elidlulileyo. Yenza ukuba kuve ngathi bayaphinda benze, kodwa ngokwenene abayiyo.
Ininzi yokukhiya inzuzo (xa ikhona) ngomhla wokubanjelwa kwemvumelwano, kwaye ezo mpu melelo ziyanqunyulwa ngama-caps kwaye zisasazeka ngeqhinga lokukhetha. Ezinye i-annuity indexed zikhethwa ixesha elide (2 iminyaka), kwaye zinikela ngeendlela ezahlukeneyo zokukhetha ngaphandle kweS & P 500 . Kubalulekile ukubonisa ukuba i- index gains ayifaki ukwahlula kwi-S & P 500.
I-FIAs ikhiphe kuyo nayiphi na inzuzo kuphela ngonyaka kwixesha lomhla wokubambisana.
Izinketho zekhompyutheni kunye ne-FIAs ziqala ukubala ukukhula kweenkcazo xa umgaqo-nkqubo ukhutshwa, kwaye kukho ezininzi iinketho zokukhetha ukhetho ngaphakathi kwe-FIA ngamagama afana ne "ngongoma yonyaka ukuya kwinqanaba," "isamba seminyaka", kunye "nesisisigidi senyanga" kunye nezinye izicwangciso eziquka ireyithi echanekileyo ekhankanywe kunyaka.
Unokudibanisa kwaye udibanise zonke iinketho ezikhethiweyo ezinikezelweyo (zonke iiFIA ziyahluke) kunye nepesenteji zabelwe ukulingana ne-100%. Ngokomzekelo, unokuba ne-30% kwizinga elimisiweyo, i-35% kwingongoma yonyaka ukuya kwinqanaba, kunye ne-35% kwisixa senyanga. Unethuba lokutshintsha olu khetho rhoqo ngonyaka, kwaye amanqanaba ekhompyutheni asetyenziswa kwakhona kumhla wokubanjelwa kwemvumelwano.
I-FIAs inokukhuphisana neSatifikethi seDiskithi.
Ii-Annuities ze-Index (FiIAs) eziHlanyelweyo zenzelwe ukuncintisana nama-CD, kwaye zisebenza kakuhle xa ezi zilindelekileyo zokubuya ziqondwa kwaye zabiwe ngokufanelekileyo kwipotfoliyo. I-FIA zikwabonelela ngeendlela ezifanelekileyo zokunikezela ngokusebenzisa iimbuyekezo zengeniso ezayo malunga nabaxhasi beenzuzo eziqhotyoshelweyo.
I-FIAs iyakunikwa i-MYGAs kwaye ayinayo imali yonyaka ngaphandle kwabagibeli abanamathele.
Banikezela amandla okuvala ngokusisigxina kwinzuzo yenkcazo yenkcazo ngonyaka, kwaye unokutshintsha kwakhona ukhetho lwakho olukhethiweyo kunye nesiganeko sokubakho. Iimali zonyaka ezinokuthi zithengiwe zingancinci nje ngexesha eli-4 lokunikezelwa kweemali, kwaye aziyi kuthatha iifizi zonyaka ukuba akukho bahambayo. Imveliso inokunikela ngeendlela ezikhethekileyo zokumamela. Isicwangciso sokumamela esibizwa ngokuthi i-Mixed Fixed Ladder isebenzisa zombini i-MYGAs kunye ne-FIAs kwi-tandem.
Iimali ezixhaswe nge-indexedities zixhamla kwabanye, kodwa zathengiswa ngokungathi i-godsend kubo bonke, abangekho.
Ii-Annuities ze-Index (FiIAs) eziHlomelo (ii-FIAs) zizinto ezithengiswayo, ezithembisiwe, kunye nezithengiswa ngokungafaniyo kwihlabathi lemali. Ingaba kukusetyenziswa okungafanelekanga kwegama elithi "hybrid", iintengiso ezingenakulawulwa kweentengiso kunye nevidiyo kwi-intanethi, okanye i-seminar yangendawo yokutya yenkukhu, ihlabathi lokuthengisa leemali ezixhaswe yi-wild wild, i-wild, entshonalanga.
Amaqela amaninzi amaninzi anamava amancinci omcebisi wezezimali abambelele kwibali leFIA kunye nesakhiwo saso semveliso ephakamileyo.
Kuthatha i-arhente malunga neveki ukufumana ilayisenisi ukuthengisa ii-Fixed Index Annuities (ii-FIAs), kuba zichazwa njengemveliso yomshuwalense wobomi kungekhona ukhuseleko. Kubalulekile ukugcina engqondweni ngokuqinisekileyo ukuba iziqinisekiso zamagosa zithengisa . Ngolwazi olunokukunceda ukugcina umbono wakho kwizinto eziyimveliso yemveliso endaweni yokuwa kweengingqi zokuthengisa. Icandelo lokuthengisa i-indexedity annuity lihamba ngokungahambisani nemimiselo ekhoyo engekho nyanzelwa yilizwe elijongene nemveliso. Nantoni na ingathethwa kwaye ithenjiswe ukufezekisa ukuthengiswa, kwaye kaninzi oku kunjalo.
Inyaniso kukuba i-Fixed Indexed Annuities iyayiluncedo, kodwa ikulindeleke ngokufanelekileyo kwimbuyekezo. Le nto ayiyiyo imveliso enika imbuyekezo emakethe emangalisayo!
I-standard Fixed Indexed Annuity sales pitch "i-market upside side", into enyanisekileyo.
Ewe, kukho ukhuseleko olupheleleyo olupheleleyo ngaphandle kwehla, kodwa imbuyekezo ayinikezeli ngokuthe ngqo imarike. Ii-FIA ziye zanikela ngembuyekezo efanayo kwiiCD, kodwa ezo ntlawulo aziqinisekanga. Iimali zonyaka ezixhasiweyo zineendawo kwezinye iiphothifoliyo, kodwa "azintle ukuba zinyanisekile" okanye "ubungakanani obufanayo buhambisana nazo zonke" njengento ephakanyiswa ngokuqhelekileyo.