I-annuity eqingqiweyo isivumelwano kunye nenkampani yomshuwalense. Inkampani yomshuwalense iqinisekisa umyinge womdla oya kuwufumana ngemali egcinwe kwisivumelwano somvuzo. Ngezantsi zizinto ezisiseko, kunye nesikhokelo sokuthi i-annuities engaguqukiyo ingakwazi ukufikelela njani kwisicwangciso sakho.
EziQinisekisiweyo zeNkcazo zeAnciity
I-annuity echanekileyo inokuthelekiswa nesitifiketi se-deposit (i-CD) ekhutshwe yibhankini, ngaphandle kwe-annuity engqalileyo, inzala oyifumanayo ingeniso ngaphakathi kwenyanga kwaye ayihlawulwanga de uze uyihoxise kwi-annuity.
I-CD ibhanki ikuthumela ifomu ye-1099 yerhafu ngamnye ngonyaka ebika ingxelo yemali oyifumene nayo, kwaye kufuneka uyixele le nzala kwimbuyekezo yakho yerhafu nokuba uyivumela ukuba ifike kwi-CD.
Njenge-CD, i-annuity ehleliweyo ihlawula ukubuyiswa okuqinisekileyo. Ngamanye amaxesha ubuya phambili bulayishiwe, ngoko ke kukho inzala ephezulu ngaphezu komnyaka owodwa, kodwa inqanaba eliphantsi kwiminyaka emibili ukuya kweyishumi. NjengeCD, kukho ixesha elibelwe, njenge-annuity year-year fixed.
Olunye uhlawulelo olunemiqathango lunemiqathango emide iminyaka elilishumi elinesihlanu, kwaye ukuba unika i-annuity ngaphambi kokuba ixesha liphakame uya kuhlawula ukuhlawulwa . Musa ukubanjwa kwizinga eliphezulu leminyaka yokuqala yenzalo. Kufuneka ubale isivuno ukuba ubanjwe kwixesha elipheleleyo lekhontrakthi yempesheni yokuqhathanisa ngokuchanekileyo umnikelo omnye komnye.
Eyona ndlela ilungeleyo: Ukuba unesiqingatha sithuba eside kwaye ufuna ukutshalwa kweengozi, ungakhetha i-annuity ngaphezu kwe-CD ukuchasa irhafu, kwaye mhlawumbi ufumane inzala ephezulu ngaphezu kweebhanki.
Oku kunokuba lukhethi oluhle kwiimali oyilwayo okanye ibhonasi oyifumanayo. Kukho iintlobo ezimbini eziphambili zokuhlawulelwa; lichazwe kwaye likhawuleza.
Ukhethiweyo
Ngomvuzo ochanekileyo (oqhelekileyo obizwa ngokuba yimali yokufumana imali engenayo okanye i-DIAs) ufumana inani eliqinisekileyo lemfuno eliqokelela ngaphakathi kwintraka yesivumelwano.
Inzala yerhafu echazwe yerhafu, ngoko akukho ntlawulo yengeniso ihlawulwa uze uthathe ukuhoxiswa. Unokuthenga i-annuity echaziweyo echaziweyo kunye nemali ye-IRA, apho iimeko zerhafu ezisebenza kwii-IRA ziya kusebenza kuzo zonke iimali kwi-annuity.
Unako ukuthenga i-annuity ehlawulwayo ngemali engafanelekanga (imali engeyiyo ye-IRA). Ukurhoxiswa kuthathwa ngaphambi kokuba iminyaka yobudala i-59 1/2 ingahlawulwa irhafu kunye neerhafu zerhafu. Xa uthatha inzala yokuhoxiswa ihoxiswa kuqala.
Xa usuhoxisile yonke inzala, ngoko uqala ukurhoxisa inqununu, yinto yokubuyisela oko ubekayo (ixabiso lakho). Iinqununu zokurhoxiswa azihlawulwanga. Uninzi lweemali ezichasiweyo zineenkcukacha ezikuvumela ukuba ufinyelele kwi-10% yexabiso lekhontrakthi ngamnye kunyaka ngaphandle kokuhlawula ukuhlawulwa kwentlawulo.
Ukuba ukhangele ixabiso eliphezulu kakhulu, unokuqhathanisa iirhafu ezihlawulwayo ezikhethiweyo ezinokuthi zinikeze ezinye izinto ezinokuthi ziguquke, ezifana nezatifikethi zediphozithi, okanye i- ladder zamabhondi aphakamileyo ovumela ukuba ugcine inqununu yakho kunye nemimiselo emncinci fi kelela imali.
Inzuzo yeRider R benefits
Amanqaku amaninzi amaninzi anikezelweyo anikezela ngezibonelelo ezingaphezulu kwezinga eliqinisekileyo. Ngokomzekelo, banokufumana umgcini-mali oqinisekileyo ongenayo , ochaza inani elithile lemali yengeniso yomhlalaphantsi enokuhlawulwa kuwe iminyaka elishumi okanye elishumi elinambini kwikamva.
Ngalo hlobo lomkhiqizo, uyithenga ukugcina umphumo othile. Akukona ngezinga eliphezulu lokubuyisela; Kunoko, malunga nokuqinisekisa ukuba unomlinganiselo omncinci wenkcitho eqinisekisiwe kwiminyaka yakho yomhlalaphantsi.
Eyona ndlela ibhetele kakhulu: Ukunyuswa kwemivuzo echanekileyo kunye nabagibeli bemali ingenokuba ngumntu ofanelekileyo oneminyaka elishumi ukusuka kumhlalaphantsi. Ukuba imarike iyancipha ngqo kumhla wakho wokuthatha umhlalaphantsi, ayiyi kuba nomcimbi. Le mveliso iqinisekisa ingeniso yesikhathi esizayo iya kuhlawula kuwe kungakhathaliseki ukuba imarike yenza ntoni!
Ngokukhawuleza
Ngomrhumo ochanekileyo osisigxina , utshintshisa imali yakho yemali ngenkokhelo eqinisekileyo yengeniso evela kwinkampani yomshuwalense eqala ngokukhawuleza. Ezi mveliso zibizwa ngokuba yi-single premium annuities okanye ii-SPIA. Emva kokuba iintlawulo zemali zihlawulwe, aziyi kutshintsha ngaphandle kokuba uthenge i-annuity eguqula ukunyuka kwamaxabiso.
Xa inkokhelo yokufumana imali engenayo iqala, awukwazi ukufikelela kwinqununu. Kunoko, unelungelo lemali engenayo inkampani yomshuwalense ikuthembisile. Uya kukhetha ixesha leentlawulo zakho , njengenzuzo eqinisekisiwe ngaphezu kweminyaka elishumi, okanye ngaphezu kwakho konke ubomi.
Eyona ndlela ifanelekileyo : I-annuity echanekileyo ingabonakaliswa ngokufanelekileyo kwisicwangciso sakho somhlala-phantsi ukuba ngaba:
- Ukuthatha umhlalaphantsi okanye ukuhlala phantsi ngokukhawuleza
- Ukufuna ukuqinisekisa ukuba iindleko zakho zifunyenwe ngeniso eqinisekisiwe
- Umngcipheko kwaye ukhethe utyalo-mali olukhuselekileyo
- Ongatshatanga okanye osanda kuba ngumhlolokazi
- Ukukhathazeka ngokuchitha imali yakho ngokukhawuleza