Ngaloo mini, iiNkontileka zeeNyanga eziLungeleleneyo zeeNkcazo, okanye ii-QLAC, zivunyiwe yi-IRS kunye neSebe le-Nondyebo ukuba lisetyenziswe kwizicwangciso ezithile zomhlalaphantsi kunye ne-IRAs zendabuko.
Kukho izizathu ezininzi ezenza ukuba ii-QLAC ziza kuba yinto ekhethwa yintsikelelo ekhethiweyo kweli lizwe, ngoko kubalulekile ukwazi iziphakamiso zenyaniso kunye neenzuzo ze-QLAC.
Kuphela ke kunokwenzeka ukwenza isinqumo sokuthenga ngokuchanekileyo.
Kukho izibonelelo ezininzi zeCLLAC.
Ngezantsi uluhlu lweenzuzo eziphambili zeMigangatho yeeNkcazo eziLungeleleneyo. Oku akuzona zonke izibonelelo, kodwa kunele ukuba ukhuthazwe ukuba ukhangele ngokungathí sina kwi-QLAC ukubona ukuba kuya kukunceda njani imeko yakho.
Ii-QLAC zinika ukhuseleko olupheleleyo
Ii-QLAC zizinyathelo ezinqamlekileyo kwaye zinezikhonkco zeemakethe.
Ii-QLAC ziyimali engenayo ngaphandle kwemali yonyaka
Ii-QLAC azikho iimali zonyaka.
Ii-QLAC zenzelwe isakhiwo esincinci se-annuity structure
Ukuhlaziywa kohlengahlengiso ngokuklanywa kulula kwaye kulula ukuyiqonda. Ii-QLAC zinokuchazwa ngokupheleleyo kwaye ziqondwe ngabantwana abaninzi. Ngendlela, into enhle.
Ii-QLAC zibonelela ngeentlawulo ezifumanekileyo zokufumana imali
Ii-QLAC zenzelwe ukufumana ingeniso kwaye zinganikeza umrhumo ofumanekileyo ongenakuze uphumelele.
I-QLAC yinto elula kwaye ebonakalayo, kwaye ke kulula ukuyiqonda
Oku akufani nokuhlawulwa kwemali eguquguqukayo kunye nekhompyutheni , apho amaninzi amanxusa awanakho ukuqonda into abayithengisayo, ii-QLAC zilula kunye neendlela ezifanelekileyo zokufumana ingeniso yesikhathi esizayo.
Inani leenjongo ze-QLAC liya kuhlala lichanekileyo kwaye licacile
Abaxhasi abanokuxhaswa kunye nabaxhasiweyo abathandwayo kunye nabathandi beebhenxhi abathanda ukubonisa iziganeko zokubuya ezihlolisayo, ezifunyenweyo, kunye neziphumo zokubuyiselwa kwakhona. Zonke ezo ziqinisekisiwe "zithenge iphupha" iimpahla zokuthengisa.
Iziphakamiso ze-QLAC zibonise kuphela ukuqinisekisa izivumelwano.
Unokufakela inzuzo yokufa kwesivumelwano kubaxhamli bakho
Ii-QLAC ziyakhiwa ukuze zifumane iinzuzo zelifa, ngoko yonke imali iya kwindoda yakho kwintsapho kwaye ayikho ipenki kwinkampani yenkampani.
Kungenzeka ukusebenzisa isicwangciso se-QLAC yesiteji
Ngaphandle kokunciphisa i-premium ye-25% yexabiso lakho le-IRA okanye i-$ 125,000 (nokuba ngaphantsi ngaphantsi), ii- QLAC ziyakwazi ukuhanjiswa kumibini yokuthenga kunye neenzuzo zokuqala.
Iindleko zoLungiso lokuPhila (i-COLAs) zingongezwa kwii-QLAC
Ii-COLA zandisa ngokukhawuleza umrhumo wembuyekezo ngamnye ngonyaka ngepesenti ekhethiweyo kwisicelo. Ii-QLAC zi no-COLAs.
Abasebenzi abaselula banokusebenzisa i-QLAC ukucwangcisa iimfuno zengeniso ezayo
Ama-401k anganika ii-QLAC kwisicwangciso sabasebenzi abancinci ukuya kwisicwangciso sekhontrakthi malunga neemfuno zengeniso ezayo.
Imali ingafakwa kwi-QLAC nkqubo eqhubekayo
Ukunciphisa kwe-premium ye-QLAC kuya kunyuka kunye nokunyuka kwemali phantsi kwemithetho ekhoyo.Khona, iipolisi ezininzi ze-QLAC zivumela imali ukuba ifakwe kwiimimiselo ze-premium.
Unokumisela i-QLAC ukufikelela kude u-85 ubudala
Ii-QLAC zichithwa ixesha elincinci lexesha okanye ekude lide lineminyaka yobudala engama-85. Yiyo ifowuni yakho kuxhomekeke kwiinjongo zakho ezithile.
IRAs zendabuko, ama-401k, ama-403bs, kunye nezicwangciso zokuhlawulelwa zikarhulumente ezilungelelanisiweyo zinganika ii-QLACs
Ii-QLAC ziya kuvumela abancinci nabadala (kunye nabaphathi be-IRA) ukuba bacwangcise iimfuno zengeniso ezizayo.
Ii-QLAC zinikeza iikomishini eziphantsi kummeli wokubhala
Kwiimeko ezininzi, i-commission engezantsi ikhomishini ilungele umthengi. Ngenxa yokuba ii-QLAC ziyiqhinga elilula, iikhomishini ziphantsi. Yinto enhle.
I-QLAC isebenza njengesicwangciso somhlala-phantsi esizayo kwaye isuse ingozi yokuphila ixesha elide.
Iimali zonyango ziyakudluliselwa kwemveliso yobungozi. Uhambisa umngcipheko kwenkampani yokuhlawulela isombululo kwiimeko ezithile. Ii-QLAC zisetyenziselwa ngokugqithiseleyo njengokutshintshwa kwecwangciso lomngcipheko kwiimbuyekezo zengeniso ezayo.
Imirhumo kwi-RMD ingaba yinto encinci, ibe nemiphumo emihle kwixesha
I-QLAC ayibalwa xa ibala iApps Minimum Distributions (RMDs) .Ngokomzekelo, nge-$ 500,000 IRA, unokuthenga i-$ 125,000 ye-QLAC phantsi komthetho wangoku kwaye uyayichasa loo mali ukuya kude ukuya kuma-85 ubudala. , uya kubala ngokusekelwe kwi-375,000 yeedola.
Lezo zinzuzo ezaneleyo ukuba ubuncinane ukhangele. Yenza umsebenzi wesikolo sakho , kwaye ujonge ezinye iikopi ze-QLAC. Kungenzeka kube yindlela ephumelelayo kuwe.