Ukuqhathaniswa kweCandelo leSahluko sokuSebenzisana kweeNkcitho ezahlukeneyo kwiNkcazo zeNgxowa-mali
I-variable annuity ecetywayo yenzelwe umfazi, oya kuthiwa nguJoan. Uneminyaka engama-66 ubudala, kunye nokurhoxisa ukuqala kwi-71 yobudala bakhe. Kwakucetyiswa ukuba ngumthombo wembuyekezo engenayo kwaye njengendlela yokubonelela ngenzuzo enkulu yokufa ekudluleleni kubantwana.
Ngokusekelwe kwiingeniso ezicetywayo, isakhiwo sentlawulo kule khontrakthi yenkxaso-mali ye-annuity :
- Ukufa nokuhlawula iindleko: 1.1%
- Umrhumo wolawulo : .15%
- Iindleko zonyaka zokusebenza kweengxowa-mali: .57% - 1.89% - ndasebenzisa i-middle point 1.23%
- Umncedisi wokufa: .70%
- Umthengi wemali : .95%
Intlawulo yonyaka yonyaka: 4.13%
(Funda kabanzi malunga neentlawulo zenkxaso-mali kunye nezindleko .)
Inkontileka ithi "iindleko zonyaka zonyaka zibalwa njengepesenti ye-balance balance withdrawal (GWB), kwaye iyanqunyulwa ngekota nganye kwiinketho zokutsalwa kwezinto ezichanekileyo kunye nokukhethwa kweakhawunti".
Kulo hlobo lomkhiqizo kukho iipatter 3 zemali ehlukeneyo:
- Ixabiso lenkontileka lenene: into oyifumanayo xa ubeka imali kumgaqo-nkqubo. Oku kuyahluka ngokuxhomekeke kwintsebenzo yotyalo-mali, kwaye usebenzo lwentsebenzo kufuneka lunqobe umrhumo wonyaka we-4.13%.
- Ibhalansi yokurhoxiswa eqinisekisiwe (i-GWB) : le ibhalansi ye-phantom esetyenzisiweyo ukubala inani lemali engenayo yonyaka onokuyihoxisa. Oku kuqinisekisiwe ukukhula ngo-6% ngonyaka kwiminyaka apho ungathathi ukurhoxiswa, okanye ngokusebenza kweemarike, nayiphi na enkulu. Ukuba i-GWB yonyuswa ngenxa yokusebenza kweemarike oku kuthiwa yi "step-up". Xa uqala ukuhoxiswa, uqinisekisiwe ukuba uyakwazi ukuthatha u-5% walo mgangatho weGWB oqinisekileyo ubomi.
- Inzuzo yokufa: oku kuhlawulelwa ekufeni. Kuya kuba yiphakamileyo yeeprimiyamu ezihlawulwe, ixabiso lenkontileka, okanye unyaka wesi-7 unyaka wokubanjelwa kwemvumelwano.
Ndavavanya ukusebenza kweso sikontraka malunga neepotifoliyo yemali yenkcazo kunye nokwabiwa kwee-stock% ezingama-80 / iibhondi ezingama-20%. Isabelo sesabelo sabelwe ngolu hlobo lulandelayo:
- 30% I-S & P 500
- 20% uRussell 2000
- 15% EAFE
- 15% INGXELO
Inxalenye yesibhambano yabelwe:
- I-10% echanekileyo (i-CD efana nokubuyisa)
- Iibhondi zikaRhulumente ezide kwixesha elide
Ndayifaka i-dollar yenkcitho ye-1.25% kwi-index yesikhwama seengxowa-mali, ngokucinga ukuba umthengi ofanayo wayesebenza nomcebisi wezezimali ohlawulisa i-1% ngonyaka kunye neengxowa-mali zenkxaso-mali zibe neendleko .25% ngonyaka okanye ngaphantsi.
Ndakhangela kwiimeko ezi-3 ezahlukeneyo:
- Ukusebenza kweMarike ukususela ngowe-1973 , uqale ngeminyaka emibili yokusebenza ngokulinganayo, emva koko uhlaziywa ngokukhawuleza
- Ukusebenza kwemarike ukususela ngo-1982, ukusebenza kwe-stellar iminyaka emininzi
- Ukusebenza kwemarike ukususela ngowama-2000, sonke siyazi ukuba yintoni iminyaka elishumi edlulileyo.
Ngezantsi ziphumo.
1973 Ukusebenza kweMakethe:
- Utyalomali i-$ 100,000 kwi-annuity, okanye i-$ 100,000 kwi-index index fund.
- Awuyi kuthatha ikhefu kuze kube yilapho u-Joan eneminyaka engama-71 ubudala.
- Ikhontrakthi ifumana inqanaba layo lokukhula eliqinisekisiwe lika-6% kwi-GWB, eliyifumana kwi-133,823 yezigidi, ezidlula ukusebenza kweemarike ngeli xesha.
- I-5% yile $ 6,691, oya kuhoxisa unyaka ngamnye unyaka uneminyaka engama-90.
- Ukuba u-Joan wayephelile kwiminyaka emithathu yokuqala, inzuzo yokufa yayiza kuba nexabiso kwi-akhawunti yenkcazo kwi-12,000-$ 34,000.
- Kwiminyaka eyi-90 kaJoan, ixabiso lekhontrakthi kwi-annuity yi-$ 219,416 edlulela kwiindlalifa.
- Kwi-90 yobudala bukaJoan, iphothifoliyo yenkcazo-mali ixabisa i-$ 864,152, eyadlula kwiindlalifa.
- Uthabathe umlinganiselo ofanayo wokufumana ingeniso yonyaka kunye nesikhundla sephothifoliyo. ($ 6,691 ukusuka kwi-71 ukuya kwe-90 ubudala)
- Ukuba isinyathelo sonyaka senyuka sinikezelwa emva kokuhoxiswa kweekhefu, ke ezo zibonakaliswa kuloluhlalutyo, kodwa ziya kusebenza. Akunakwenzeka ukuba ziza kuthintela izinto eziphathekayo zesicwangciso esinye kwisinye.
1982 Ukusebenza kweMatriki:
- Utyalomali i-$ 100,000 kwi-annuity, okanye i-$ 100,000 kwi-index index fund.
- Awuyi kuthatha ikhefu kuze kube yilapho u-Joan eneminyaka engama-71 ubudala.
- Kule meko isinyathelo sonyaka senyuka sisebenza njengoko ukwenziwa kweemarike kudlula kwe-6% yokukhula okuqinisekisiwe, ngoko i-GWB yakho iba ngu-178,473.
- I-5% yile $ 8,924, ngoko uhoxisa unyaka ngamnye unyaka ude uneminyaka engama-90
- Ngethuba lithile inzuzo yokufa yanikezela ngexabiso elongezelelweyo kwi-index index portfolio.
- Ku-Joan oneminyaka engama-90, ixabiso lekhontrakthi li-$ 78,655, kodwa inzuzo yokufa kuseyi-$ 167,714. (Unyaka wesi-7 unyaka-mvumelwano wokubanjelwa kwesibhambathiso kwisithuba sokungeniswa kwesibonelelo sokufa) (Ixabiso lekhontrakthi linokuthi liphantsi kangako? Ngenxa yemirhumo kunye nokuhoxiswa kwonyaka, ixabiso lemvumelwano liyancitshiswa malunga ne-16,000 zamawaka ngonyaka, kodwa ixabiso lekhontrakthi ayifanelekanga ngaphandle kokuba ufumane imali kwi-annuity.)
- Kwiminyaka engama-90 yobudala bukaJoan, iphothifoliyo yenkcazo-mali ixabisa i-dollar 856,898, eyadlula kwiindlalifa.
- Uthabathe umlinganiselo ofanayo wokufumana ingeniso yonyaka kunye nesikhundla sephothifoliyo. (I-$ 8,924 ngonyaka ukususela kwiminyaka yobudala engama-71 ukuya ku-90)
Kuzo zombini iziganeko ezingaphezulu kwezinto oye wazifezekisa ukutshintshwa kobutyebi kwiintsapho zakho kwiinkampani zomshuwalense.
2000 Intsebenzo yeMakethe:
- Utyalomali i-$ 100,000 kwi-annuity, okanye i-$ 100,000 kwi-index index fund.
- Awuyi kuthatha ikhefu kuze kube yilapho u-Joan eneminyaka engama-71 ubudala
- I-Contract ifumana u-6% wezinga lokukhula eliqinisekisiwe kwi-GWB, eliyithatha imali eyi-133,823.
- I-5% yile $ 6,691, oya kuhoxisa unyaka ngamnye uneminyaka engama-78 ubudala (andinakukwazi ukuqhuba idatha edlulileyo kule minyaka njengoko andinayo imarike ebuyiswe kudlulileyo ngo-2011.)
- Kwi-4 yeminyaka eyi-12, inzuzo yokufa ihlawulwe ngaphezu kweengxowa-mali zeengxowa-mali, ngesixa esivela kwi-$ 970-$ 14,000)
- Kwi-78 yobudala bukaJoan, ixabiso lentengo liyi $ 76,667, kodwa inzuzo yokufa i-$ 118,000 (iminyaka engama-7 yemvumelwano yesibhambathiso esinyukayo ekufakeni inzuzo yokufa)
- Ku-Joan iminyaka engama-78, iphothifoliyo yenkcazo-mali ixabisa i-dollar 107,607, eyadlula kwiindlalifa.
- Uthabathe umlinganiselo ofanayo wokufumana ingeniso yonyaka kunye nesikhundla sephothifoliyo. ($ 6,691 ukusuka kwi-71 ukuya kwi-78 ubudala)
- Kakade akekho owaziyo okwenzekayo apha.
Kule meko yokugqibela, kwinqanaba lalo langoku kwixesha eliguquguqukayo linikeza inzuzo yokufa malunga nama-R10 000 ngaphezu kokuba iindlalifa zakho ziza kufumana kwi-portfoliyo yenkcazo, kwaye unemivuzo engama-6 691 ngonyaka. Qaphela ukuba ukuba iimeko zorhwebo ezihluphekileyo ziyaqhubeka, kwaye ixabiso lekhontrakthi liya ku-zero, inzuzo yokufa iyaba yinto engafanelekanga, nangona iholo lakho liyaqhubeka.
Incwadana ye-annuity brochure ithi "kwezinye iimeko indleko yekhetho ingadlulisa inzuzo ehlawulwa phantsi kwekhetho".
Oku kuya kwenzeka ngokukhawuleza xa unesiseko sentlawulo ye-4.13%.
Kwiimeko zomlando, kunokwenzeka ukuba loo mveliso iza kubonelela ngokugqithiseleyo ubuncwane bakho kwiinkampani zomshuwalense kunokuba usuke kwintsapho yakho.
Olunye uhlaziyo lokushicilela olufanelekileyo luthi "Bhekisana nommeli wakho wokumisela okanye umhlala-phantsi wokwenza umlinganiselo wemali kunye nobudala bomnini / umxhasi kunye nenani lakho lokukhusela okukhuselekileyo oku kukhutshwa yi-GMWB."
Lindela, ndicinga ukuba injongo ephambili yale mveliso yayikhuselekile? Ukuba ndifunda ukushicilelwa okulungileyo, le nkampani ngokwayo iyavuma ukuba inika "ukukhawuleka" ukukhusela.
Ndinezinye iimbono, kwaye anditsho ukuba akukho ntlonipho kubacebisi abakhomishini. Umcebisi ophakamisa i-annuity yacebisa ukuba ukuba umxhasi wam usebenzisa le ntlawulo, kunokunciphisa oko bekufuneka bakhuphe kwiakhawunti ababebenayo nam. Oku kuya kubonisa ngandlela-thile ukuba ndibe nokubeka iimfuno zam (ukugcina impahla kunye nekampani ukuvelisa imali ephezulu) phambi komdla wamakhasimende. (Iimali ezicetywayo ukuba zifakwe kulo mvuzo ziphantsi kolawulo lwam kwaye andiyicetyiswa ukuba umthengi uya kubathuthela kum.)
Njengomcebisi -kuphela umcebisi , ndiyifumene isifungo sokuzimela. Ukuvumela into efana nale nto ithonya isigqibo sam siya kuba ukuphulwa komsebenzi wobuqhetseba, kwaye ndifumanisa ukuba umntu okhungayo uya kuzama ukungchukumisa kumbono wabo ngendlela ekujoliswe ngayo isicwangciso sabo silondoloze iimpahla phantsi kokunyamekela kwam.
Kwihlabathi lomthengisi / umthengisi, umgangatho ofanelekileyo ngowokufaneleka, kwaye loo ndlela isicatshulwa njengento echanekileyo, nje kuphela ukuba isincomo sisonke sifanelekile kumxhasi. Nangona kunjalo, ngokwemigangatho engayisebenzisayo phantsi, loo ndlela isilungelekanga.
Izigqibo zam zokuvala (iimbono njengolu luhlalutyo olusesikweni)
- Isakhiwo sentlawulo kwi-broker esithengise iimali eziguquguqukayo ezinjengaleyo kuhlalutyo apha ngasentla kukuba iyanciphisa inani lokuqinisekisa ukuba iimveliso kufuneka zibonelele.
- Ama-arhente okanye abameli abathengisa izihlomelo eziguquguqukayo bahlala bengayiqondi okanye abazange bahlolisise indlela umkhiqizo oza kuwenza ngayo phantsi kweemeko zemarike zembali.
- Abameli abathengisa le mihla eguquguqukayo abakubonakaliyo banikezela ukucwangciswa kwezimali ngokupheleleyo, apho babeka iingcebiso zabo kwisimo sengxaki yemali yomthengi, kubandakanywa nemali yabo, ubudala, imeko yerhafu kunye neemfuno zengeniso.