Cinga iirhafu ngaphambi kokugqiba ukunikezela okanye ukutshintshisana nonyaka.
- Ukuba yi-IRA, ungayigqitha okanye uyidlulise.
- Ukuba akuyiyo i-IRA, unokusebenzisa utshintshi lwe-1035, okanye uyinike.
- Ukuba ngaba yinzuzo yonyaka, kufuneka ufumane umntu ekukuthengayo.
Izinketho enye kunye ezimbini zingentla zifaka isicelo kwiimali ezihlawulwayo ezingabhatali ngeniso yenyanga. Inketho yesithathu ifaka ukuba i-annuity ihlawula ingeniso. Nantsi indlela nganye yezi zikhetho ezisebenza ngayo.
Ukuphuma kwi-Annuity Xa i- IRA okanye iAkhawunti yomhlalaphantsi
Ukuba unemali eguquguqukayo ephantsi kwe-akhawunti ye-IRA unokwenza uqokelele imali yakho kwi-annuity eguqukileyo kwaye ube yi-IRA rhoqo kwi-bhanki, kwinkampani ye- fund , okanye kwi-firm firm. Ekubeni iimali zihlala ngaphakathi kwi-IRA wrapper, kuthathwa njengotshintsho okanye i-rollover, kwaye akukho ntlawulo efunekayo kuloo mveliso. Lumka; ezinye iingeniso ziye zinikezela iirhafu ezingapheli ukuya kwiminyaka elishumi elinesihlanu ukusuka kumhla wokuthenga. Ngaphambi kokuba ukhansele okanye utshintshe nayiphi na imali eguquguqukayo, khangela ukuba yeyiphi na imali efunekayo. Ukuba ukuhlawulwa kweerhafu kuphezulu kodwa kuya kuba mncinane kwiminyaka embalwa, kungcono ukuba ulinde iminyaka embalwa ngaphambi kokugqithisa i-akhawunti yakho ye-IRA kwingxelo eyahlukileyo.
Kucinga ukuba akukho banikezelo lweerhafu, okanye ziphantsi (2% okanye ngaphantsi) ngoko kwiimeko ezininzi ngokuhambisa i-annuity eguquguqukayo ngaphakathi kwe-IRA kwi- portfolio ye-index index , unokunciphisa iindleko zakho kwi-2%-3.75% nganye unyaka ukuya kwi-50% - 1% ngonyaka.
Le mirhumo ephantsi eqhubekayo inokubangela ukugcinwa okukhulu ngexesha elide. Ukuba unokunciphisa iifizi nge-2% ngonyaka kwi-investor eyi-100,000. Uya kusindisa ngaphezu kwama-20,000 kwi-time frame.
Ukuphuma kwi-Annuity AYI-IRA
Ukuba unayo i-annuity engafaniyo engekho ngaphakathi kwe-IRA okanye olunye uhlobo lwe- akhawunti yomhlala phantsi njengowama-403 (b), ngaphambi kokuba ukhansele i-annuity, ngenjongo yerhafu, kuya kufuneka ufumane ukuba unyaka wakho unenzuzo okanye ilahleko.
Ukwenza oku, okokuqala, kuya kufuneka ufumane isiseko senkcitho yakho yonyaka. Isiseko sexabiso lilonke inani lemali oyifakayo kwi-annuity. Ukuba awukwazi isiseko seendleko, biza inombolo yenkonzo yamakhasimende kwisitatimende sakho kwaye ubuze. Emva koko, qhathanisa isiseko seendleko kwixabiso langoku le-variable annuity yakho.
Ukuba kukho inzuzo- Ukuba i-annuity yakho inenzuzo, kwaye uhlawula imali kwi-annuity, uza kuhlawula irhafu yengeniso eqhelekileyo kuyo nayiphi na inzuzo. Ukuba kukho inzuzo enkulu kwi-annuity yakho, kunokuba uhlawule imali, ungatshintshana (ebizwa ngokuba ngu-1035 utshintshi) ngenxa yonyaka ongekho umthwalo ongezantsi. Umzekelo, i-Vanguard, umzekelo, inika imali ephantsi yokuhlawula imali. Ukuba i-annuity yakho inenzuzo encinci, unokuba unqwenela ukuhlawula imali kwi-annuity kwaye usebenzise imali ukuze utyalomali kwezinye iindleko ezingezantsi ngokuvula i-akhawunti yomxhaso okanye i-akhawunti ye-brokerage.
Ukuba kukho ilahleko - Ukuba ixabiso langoku le-variable annuity yakho liphantsi kunexabiso, ulahlekelwe. Ukuba ukhansela umvuzo, unokukwazi ukubiza ukuba ilahleko ekubuyiselweni kwerhafu. Qaphela ukuba ukhansele i-annuity eguquguqukayo enokulahlekelwa, njengalezi zizathu inzuzo yokufa kwi-annuity ingaba ubuncinane ngokulinganayo nesiseko seendleko zakho, ngoko ngokukhansela umvuzo; uya kuthethwa ngenye indlela inzuzo yokufa.
Ukuphuma kwi-Annuity yeNgeniso
Ingeniso yonyaka ihlawulelo elihlawula inzuzo yenyanga. Olu hlobo lonyaka luyakunzima ukuphuma. Kufuneka ufumane umntu ukuba aqikelele ukuba umrhumo oqhubekayo weentlawulo ufanelekile, kwaye ukunikezela isamba semali. Ikhutshwe njengoluhlu olulungisiweyo. Imiba yabathengi inikezela uluhlu lweenkampani ezifanelekileyo ukudibanisa ukuthenga i-annuity yakho. Qhagamshelana nabaninzi ngaphambi kokuthatha isigqibo malunga nesibonelelo.
Ezinye izinto oza kuziqwalasela
Iimali zintlawulo ziyimvumelwano kunye nenkampani yomshuwalense. Ezinye izibonelelo ziqinisekisa isixa esithile sokufumana umhlala-phantsi. Qiniseka ukuba uyaziqonda zonke iziqinisekiso ngaphambi kokuba uphume kwi-annuity. Unokwenza ukhansele inzuzo yomshuwalense ongeke ukwazi ukuyifaka. Ukuba uyaziqonda iingenelo, kwaye azibalulekanga kuwe, ngoko ukuphuma kwirejista yakho mhlawumbi kuhamba phambili kwezenzo zakho.