Luhlobo luni lwe-annuity elihle kakhulu kuwe?
Ngamanye amaxesha ahlawulwa ngamanye amaxesha njengama-SPIA, emela "i-premium single annuities". Ziza kwiindidi ezahlukileyo, kodwa ezi ntlobo zintathu zintathu:
- Ukuhlawula okuhlawulelwayo
- Ukuhlawula okutshintshelweyo kwemali
- Ukuhlawula okungafaniyo
Yiyiphi efanelekileyo? Ngamnye msebenzi?
IziThumo zoThutho eziHlomelo
Inani lemali engenayo oyifumanayo ngenyanga nganye kwi-annuity esisigxina esisisiseko ngumlinganiselo obekiweyo. Iya kuhlala inye ngexesha lonke lekhontrakthi yakho yonyaka.
Ukutyelela i-Annuities ngokukhawuleza ukugqiba inani elimalunga le ngeniso oyifumanayo kwi-annuity ngokukhawuleza kuxhomekeke kwindlela otyalo-mali. Isiza siza kukucela ixesha lakho, ubudala bomlingane wakho, indawo yokuhlala, kunye nemali ofuna ukuyisebenzisa. Kuya kuthi ke ukunike uqikelelo lwenkokhelo yenyanga ngokuxhomekeke kwikota oyikhethayo.
Uphando lubonisile ukuba ukusebenzisa i-annuity esisigxina ngokukhawuleza njengenxalenye yesicwangciso sakho sokufumana umhlala-phantsi kunokunyusa amathuba okufumana umvuzo wakho wokuhlala umhlala kuyo. Ukuba ufuna ukungena kwii-geeky iinkcukacha, khangela iincwadi zikaWade Pfau kwisifundo kwi -Power of Single Premium Annuities Immediate Annuities. Unika isifundo esicacisiweyo malunga nokusetyenziswa kwenkxaso-mboleko esondeleyo kumntu oneminyaka engama-65 ubudala, kunye nesibini. Enye yezinto u-Pfau uyavuma kukuba lolu hlobo lonyaka lukhangeleka ngakumbi kwixesha elide.
Oku kuthetha ukuba olu hlobo lwemveliso yezemali lwenza ulungelelaniso olude-lukhusela umvuzo wakho xa uhlala ixesha elide kunomyinge.
Iimali zengeniso-mali ezilungisiweyo
I-annuity ye-inflation-indexed incoming form ifom ye-annuity fixed. Ufumana umgca oqinisekileyo wemali evela kwingeniso yenkampani yomshuwalense, kwaye loo ntlawulo iya kuphakama ngamnye ngonyaka ngokusekelwe kwindlela ekhethiweyo.
Ukwanda kwisoloko kuhlanganiswe neenguqu kwixabiso lomthengi . Imali engenayo ye-inflation iya kubonelela ngengeniso engaphantsi kwenyanga, kodwa ingeniso yenyanga yonyuka iya kunyuka ngokukhawuleza ixesha kunye nokunyuka kwamaxabiso okuqhubekayo. Ekugqibeleni kufuneka ekugqithiseni inani eliza kulufumana kwi-annuity engalingani, kodwa kunokuthatha yonke indawo ukusuka kwiminyaka eyi-12 ukuya kwe-20 ukuba inani leenyanga likhule lize libe lide ukuba uthathe i-non- ukuhlawula kwexabiso lentengo ukususela ekuqaleni.
Ukuphinda kwakhona, uphando lukaPfau malunga nokusetyenziswa kwemali ehlawulelwe ukunyuka kwamaxabiso luyekeleleka. Njengoko echaza kwi- Efficient Frontiers: Iimali zengeniso yexabiso, ii-SPIA ezi-Fixed, kunye ne-Inflation-I-SPIA ehlengahlengisiweyo, "Namhlanje, esinye seziphumo endibambe ngenyameko kukuba ii-SPIA ezichanekileyo zenziwe ngcono kakhulu kunezo-SPIA ezilungele ukunyuka kwamaxabiso." Ukuhlawula umkhiqizo ohlaziywa ngamaxabiso oqala ukunyuka kwamaxabiso kuya kuqala kangangokuba kunokuthatha ixesha elide ukufumana.
Iintlawulo zokuhlawula ezihlukeneyo
Inkampani ye-inshurensi ayinikezeli umvuzo oqinisekileyo wemali engenayo kunye ne-annuality variable. Endaweni yoko, inani lemali engenayo oyifumanayo liya kuxhomekeka ekusebenzeni kwipotfoliyo ye-investments engaphantsi, ngokuqhelekileyo i-stock and bond bond funds.
Oku kuthetha ukuba inkokhelo yakho iya kuhluka nganye ngenyanga, okanye iya kuphinda isetyenziswe kanye ngonyaka. Kuxhomekeke kwindlela indlela yokuhlawula ngayo ihlelwe ngayo.
Injongo yenkxaso-mali yangoku iqinisekisiwe ingeniso onokuyithemba kuyo, kwaye uhlobo olutshintsho lwenkcazo alukho kule nkalo. Ingxowa- mali yengeniso yomhlalaphantsi inokufezekisa into efanayo kodwa ngaphandle kokulahlekelwa kobutyebi.
Yiyiphi Eyona Ngcono Kuwe?
Ukuhlawula ngokukhawuleza kwenyanga kunceda kakhulu ukuba ufuna ukufaka ingeniso eqinisekileyo kwisicwangciso sakho sokufumana umhlalaphantsi. Yenza umgangatho weholo oqinisekileyo ongenakukuphelisa. Kodwa ukuba unenkxalabo malunga nokunyuka kwexabiso eliphezulu kwimpilo, umkhiqizo olungisiweyo wokunyuka kwamaxabiso ungakhusela kulo.
Unokufuna ukuqwalasela ezinye iimali-mali ezinika ukhuseleko lokunyuka kwamaxabiso njenge- TIPS kunye ne-IBonds ngaphambi kokuthenga umvuzo .
Qinisekisa ukuba ubeka ndawonye isicwangciso sezimali esiphezulu kuqala. Isicwangciso sokufumana umhlala-phantsi esilungileyo singakunceda ubone ukuba yeyiphi imveliso eyenza ingqiqo kuwe kwaye, ngokuqinisekileyo, ingcebiso yecwangcisi yemali ingabaluleka.