Ukuba ufuna ukukhula ukusuka kutyalo-mali, kufuneka ukhangele kwimveliso engekho i-annuities. Izibonelelo zintlobo yomshuwalense, ayikho ityala lokutyalomali. Iyintoni indlela yam?
Sebenzisa nje isicwangciso sePILL ukuqinisekisa ukuba ufuna unyaka.
Umvuzo awukho wonke umntu. Ayikho isayizi enye ifana nayo yonke imveliso ye-panacea, nangona kunjalo yindlela ekuthengiswa kuyo. Izihlomelo zitshintsho lweemveliso zengozi ezixazulula izinto ezithile. Kwihlabathi lam, i-annuities ixazulula kuphela iinjongo ezi-4:
- Ukukhusela okusemgangathweni
- Ndiyamkela ubomi
- L egacy
- Ukunakekelwa kwexesha le-L
Ukulula ukukhumbula isikhalazo SIGCISA Sebenzisa isicwangciso sePILL ukukunceda ukuba wenze isigqibo sokuba ngaba unyaka unokukunceda ukuba uthumele umngcipheko othile. Yintoni umngcipheko? Umngcipheko wokuphucula umvuzo wakho, umngcipheko wokulahlekelwa imali kwimarike, umngcipheko wokuphuma kwemali ngenxa yeendleko zonyango, okanye ingozi yokungabi nantoni na yokushiya iqabane lakho okanye abanye abaxhamli.
Xa ndithi "ukudluliselwa kwengozi", oko kuthetha ukuba esikhundleni sakho unomngcipheko wokusombulula enye yale ngxaki, unika loo mfanelo ngokugcwele kwi-inshurensi. Uza kuhlawula iziqinisekiso zokuqinisekisa ukulungiselela isisombululo, kwaye kuya kulungela ukuba kuhambelana neenjongo zakho zemali kunye neenqobo zokunyamezela.
Ukunyathela okucwangcisiweyo kwisicwangciso kuya kucacisa indlela ukuhlawulwa kwemali kunokwenzeka ngayo ukuba yinxalenye yephothifoliyo elinganisiweyo. Ngokuqhelekileyo, i-annuities echanekileyo njenge-SPIA, ii-DIA, i-MYGAs kunye ne-QLACS isebenza kakuhle ukuzisombulula kwezi meko. Ziyinto elula kunye namaxabiso amancinci aphantsi, ngokuqhelekileyo engenakho imali eqhubekayo yonyaka. Ngakolunye uhlangothi, iinguqu eziguquguqukayo kunye neenkcukacha ezixhaswe ngeendleko zihamba njengeepancakes kwiKhisimusi yokuSondeza. Ngokuqhelekileyo kuthengiswa njengendlela ephezulu yokufumana iindleko ezinkulu kwiimarike ngaphandle kokubandezeleka. Ndiyayinqabela ukuyidiliza kuwo wonke umntu owela kule ntengiso ye-fiasco, kodwa i-annuities ayikho imveliso yemali yemilingo eyenza i-ROI emangalisayo. Masigcine abantu bokwenene!
Izibonelelo zilungile kwezinye izinto!
INqununu
Ukukhuselwa kwinqununu kuyinto ecacileyo kakhulu. Ukuba ufuna ukuqiniseka ukuba awulahlekelwa yimali, kwaye ufuna ukubeka iirhafu kwi-akhawunti engekho ye-IRA, ngoko ke uhlobo oluthile lwenkokhelo lube lukhethi oluhle kuwe.
Ingeniso yoBomi
Xa uqwalasela ukuthengwa kwe-annuity, ukugqithiswa kokuqala komngcipheko abantu abaninzi abafuna ukuyixazulula ukufumana ingeniso yokuphila. Le ngeniso eqinisekisiwe ingaqala ngokukhawuleza usebenzisa iiNkcazo zeNgeniso zamanqaku , okanye iMali yeNgeniso kamva iyakunceda ukuba ulungiselele ukufumana imali engenayo kwindlela ethile ngosuku.
Ilifa
Ifa lingachazwa njengento oya kuyo kwiindlalifa zakho okanye abaxhamli. Ezinye i-annuities zinokunika inani lokukhula eliqinisekileyo elinokusetyenziswa njengenzuzo yokufa eya kwiindlalifa okanye abaxhamli njengenxalenye yelifa lakho. Ubshuwarensi yobomi kuseyona mveliso engcono kakhulu kumhlaba, kodwa ukuba awukwazi ukufaneleka ukufumana loo mveliso, uhlawulelo lwe-rider benefit benefit are solutions.
Uncedo lwexesha elide
Ukunyamekela kwexesha elide kukuxhalabisa kakhulu kubantwana abancinci kunye nabadala ngenxa yeendleko zayo kunye nokunyuka kwemali kwintsapho. Imveliso yenkathalo yenkcubeko engapheliyo (kungekhona i-annuity) ngokuqinisekileyo isisombululo esihle, kodwa ukuba awukwazi ukufaneleka kwesi sicwangciso, i- Long Term Care annuities inokujongana nokunyamekelwa kwexesha elide ukususela ekugqithisweni kombono wengozi.
Iimali zengeniso ayikho Imveliso Yotyalo-mali
Ndiyakholelwa ukuba ukunyuswa kwemali kungekhona imveliso yokukhula, ephikisana nembono yabantu abaninzi abathengisa i-annuities. Ngelishwa, ubuninzi beentlawulo ezithengiswayo zichanekile kwaye zihlawulwe iikhowudi. Ininzi ithengiswa phantsi kweengcamango zobuxoki ukuba amaphupha okubuya emakethi aza kuzaliseka. Ngokuqhelekileyo akusoze kwenzeka.
Amanqaku ahlukeneyo
Iimali ezixhamlayo zisebenzise oko kubizwa ngokuba yii-akhawunti ezihlukeneyo (i-aka joint funds) kwiqela layo lokukhula, kodwa umrhumo wonyaka wonyaka we-variable annuity u-3% kwaye uhlawuliswa ubomi bomgaqo-nkqubo. Ukongezelela, ukuchithwa kwemali eguquguqukayo kunciphise ukhetho lokutshala imali ngokunjalo. Ukuhlanganiswa kwemali ephezulu yonyaka kunye nokukhetha okutyalwa kwezoqoqosho akuthethi ngokukhula kweemarike kwindlela yam. Ukuba ufuna ukukhula kweemarike usebenzisa iivumelwano eziphathekayo, ngoko uthengele ukuthenga imali. Ngokuqinisekileyo awudingi unyaka oguquguqukayo wokwenza oko.
Ii-Annuities ezixutywe nge-indexed (aka: Ii-Annuities Index)
Iimali ezixhaswe nge-indexed are the product of hot day, kwaye yintoni oya kuhlawuliswa ukuba uye kwiziko leminye ye-inkuku yokutya, okanye ukukhangela i-annuities kwi-intanethi. Ama-Agents azakubiza ngokungafanelekileyo "ii-hybrids" ukwenzela ukuba uzive ngathi ufumana into enqamlekileyo (kungekhona!), Kunye nephupha elithengisweyo likhuselekileyo ngokukhuseleka komgca. Ukunyaniseka kwemveliso kukuba iikhowudi ezihlawulweyo zenzelwe ukuncintisana neentlawulo ze-CD, kwaye yiyo kanye eyona nto iyenzile ngaphambili. Kwakhona, ukuba ufuna uhlobo lwentlobo yeenkcukacha, buya uthengela inkcazo yangempela. Iimali ezixhaswe nge-indexedity limit the sideside, kwaye unokukhiya kuphela inzuzo (ukuba kukho) enye ngosuku ngonyaka. Oko, mhlobo wam, awukho kwinqanaba elifanayo njengengxowamali ye-joint fund. Indlela endiyisebenzisa ngayo imali yokuhlawula i-indexities eneendleko zabaqhotyoshelweyo kwixesha elizayo okanye ekujoliswe kuyo kwinqanaba lokufumana ingeniso, kwaye kuphela iziqinisekiso zesivumelwano. Iimali ezixhasiweyo: Iindaba ezilungileyo ezimbi kunye neNyaniso ziya kuba yinyama inyaniso ye-burly malunga neengxelo ezihlawulelwe. Iimali ezihlawulelwayo ezixhasiweyo zineempawu zokukhulula xa zifakwe ngokufanelekileyo kwiipotifoliyo, eqinisweni, ukuhlawulwa kweemali zenzelwe ukukhuphisana neentlawulo ze-CD .