Ixesha lokuPhuculo lweePeriods
Ukuba i-annuity yakho ine "ixesha lokunikezela," thabatha imizuzu embalwa yokuphanda ukunikezela iindleko ngaphambi kokuba uthathe nayiphi na imali ngaphandle kwaloo mali. Ixesha lokunikezela lixa lexesha kufuneka ugcine imali yakho kwi-annuity ukuze ugweme ukuhlawulwa kweerhafu kwiinkampani zomshuwalense.
Uhlala uhlala (kodwa kungekho rhoqo) uvumelekile ukuba uthabathe imali xa ufuna - kodwa ukuba uyaphuma kakhulu ngexesha lokunikezela uya kuhlawula ngokukhawuleza.
Ixesha lokuPhuculo lweePeriods
Izihlandlo zokugqithisa zihlala zihlala ezisixhenxe okanye ezisibhozo iminyaka, kodwa ezinye iindlela zikhoyo (kuquka iminyaka emine, iminyaka engama-zero kunye neminyaka engaphezulu kwe-10). Iwashi iqala ukukhawuleza xa ubeka imali kwi-annuity yakho, kwaye ekugqibeleni uyahamba ngokupheleleyo. Isohlwayo ipesenti ye-"excess" yakho yokuhoxiswa eya kuthathwa yinkampani yinshuwalense. Ngokomzekelo, unako ukufumana isohlwayo se-5%, ngoko u-$ 1,000 ukuhoxiswa phantsi kokunikezelwa kweerhafu kuza kukubiza i-$ 50.
Ukunikezelwa kweerhafu ngokunciphisa kuncipha kancane kancane. Baqala ukuphakama phezulu baze baqonde phambili. Ngethuba lokunikezela kwexesha elinesixhenxe, unokubona le shedyuli elandelayo: 7%, 7%, 6%, 5%, 4%, 3% kunye no-2%. Zonke izivumelwano ziyahluke, ngoko qi niseka ukuba ufunde zonke iinkcukacha.
Kwakhona, imali oyihlawulayo yokunikezela iindleko iya kwinkampani yomshuwalense (kuba ifuna ukuba ugcine imali yakho imali). Unokuhlawulwa irhafu eyongezelelweyo kunye nezohlwayo kwi-IRS - thetha nge-preparer tax tax local.
Kutheni ungasebenzisa i-annuity ngexesha lokunikezela? Kanye nje ngeCD , unokufumana inzuzo ethile ngokuzibandakanya kunye nokutyalomali ixesha elide (kufuneka uqinisekise ukuba kulungele ingozi).
Umzekelo, unokufumana isantya esiphezulu esiphezulu okanye ujonge ezinye iinkalo.
Oko kwathiwa, ezinye iimveliso ziza nexesha lokuzinikela elihlala ixesha elide. Ukuba uya kungena kwixesha elingaphezu kweminyaka engama-7 okanye kunjalo, cingisisa nge-arhente osebenza nayo kunye nento ophuma kuyo. Imveliso yexesha elide iyaziwayo ngokusetyenziswa kakubi.
UkuKhusela ukuKhutshwa kweMali
Kuthekani ukuba imali yakho isele inyaka kwaye ufuna ukuyenza? Kukho iindlela ezimbalwa zokunciphisa iindleko zesohlwayo.
Thatha i-10%: unokwazi ukuthatha u-10% wokutshalwa kwetyala lwakho lokuqala kunyaka ngamnye unyaka ngaphandle kokuhlawula irhafu. Unokuba usenokukwazi ukufumana impumelelo kwisivumelwano esiphambili kwi-10%. Thetha nommeli wenkonzo yamakhasimende kwinkampani yomshuwalense ukuba ufumane malunga nayiphi na "imali yamahhala" ekhoyo.
Khangela malunga nokukhishwa kwee- inshorensi : i- insurers izakuyeka ukunikezela iirhafu kwezinye iimeko, kuxhomekeke kwiimeko zakho kunye nekhontrakthi yakho yonyaka. Umzekelo, ukuba ungene kwikhaya lononophelo, unokufumana ikhefu kwiimali.
Ubumnandi obumnandi: ukuba unesimo esinokuguquguquka, kunokufanelekile ukulinda de kube yiminyaka emibini yokubambisana kunye nokuthatha imali (okanye uthathe oko ukufunayo ngoku, uze uthathele emva kokukhunjulwa).
Unyaka ngamnye unakho ukunikela ithuba lokuhlawula okuphantsi, kwaye loo mcimbi ungabakho kwiiveki ezimbalwa nje.
Yenza i-Annuitize: kuxhomekeka kwimeko enokuyidinga ngayo, ngokukhawuleza uyayidinga , kunye nezinye izinto, unokucinga ukuba unyakaza isivumelwano sakho-uyiguqule ibe ngumlambo weholo. Ukuba unyakaza ixesha elifutshane (iminyaka eyi-10, umzekelo) unokufumana oko kukufunayo.