Iimvakalelo ezinamandla zivame ukuphekwa kwesoyika nokukrakra. Benza ukungqubuzana kwangaphakathi ngexesha lokuthenga. Abakhangisi bafuna ukuphazamisa iimvakalelo zakho kwaye wenze ingqiqo yakho ingabonakali. Oku kuchaza ukuba kutheni amagama aqhelekileyo asetyenziselwa ukuthengisa iimveliso yilahlekelwa yimali kunye nokusebenza kwemali. Ukwazi oko ufunayo kwenza kube lula ukucoca ngokusebenzisa i-sizzle ukuze ufumane i-steak. Ngaloo ndlela kuphela inkqubo yokucwangcisa kunye nekamva lezemali iza kusebenza ngokucacileyo endaweni yokuvakalelwa.
Ngaba Ufuna iNkqutyana Yokubuyiselwa Okuqinisekileyo kunye noKhula?
Ukuze ufezekise isicwangciso sakho semali kufuneka uthenge iimveliso ezidibana nenjongo echazwe. Injongo enye kwisicwangciso sezemali inqununu yokuqinisekisa nokukhula kweefa. I-Annuity eqinisekisiweyo yeeMinyaka emininzi (i-MYGA) enye ingqwalasela ebonisa iimpendulo eziphathekayo kwi-projection of growth. Isizathu kukuba i-MYGA inexabiso eliqinisekileyo lokubuyela ngonyaka ngonyaka othile.
Ngaloo ndlela, ukukhula okuzayo kubalwe. Ukongezelela, umvuzo, okanye ukukhula, yerhafu-echazwe ngerhafu kwii-akhawunti ezingenakuqeqeshwa. Oku kwenza ukuba inkqubo yokucwangcisa ibale imali enokuba nayo ngexesha elithile, kwaye iqinisekisa ukuba yiyiphi impahla oyakuba nayo ekupheleni kwexesha.
I-annuity eqinisekisiweyo yeMinyaka emininzi iyisiXhobo esilungileyo kunye noKhula okuqinisekileyo
Ngenkcazo, ngoku unokukwazi ukuba i-MYGA ifaka kwisicwangciso sakho sezemali. Ukuba unenjongo yokuqokelela i-$ 1,000,000 yemali engenayo yomhlalaphantsi, ukubalwa kuhamba phambili ngqo nge-MYGA. Ukulula kwalesi sikontraka sikhokhelo kukuvumela ukwazi ngokuqinisekileyo ukuba uza kuqokelela imali engakanani kwixesha elithile.
Funda Iinkcukacha zeMveliso uze uqaphele iimvakalelo zakho
Kubalulekile ukuchaza ngokucacileyo ukuba ufuna ntoni umkhiqizo. Ngombulelo, inkontileka ye-MYGA inezinketho ezimiselweyo kwaye nganye iyacaciswa ngokuphathelele injongo yakho. Zibuze le mibuzo elandelayo ukuze unikeze ingqiqo efunekayo ukuze wenze isigqibo esicacileyo:
- Ngaba uyazi ukuba uninzi lwemali oyifunayo ukuqokelela?
- Ngaba uyazi ixesha elifanelekileyo apho ufuna ukuqokelela imali?
- Ngaba ufuna ukukhula kubekho ukuhlawulwa kwentela?
- Ngaba ufuna ukuya kumanqanaba, okanye ukukhawuleza ukukhula kweminyaka yokuhlawula imali?
- Ngaba ufuna imali ukuya kumntu ozuzwa ngokuba ngumzuzi ukuba uyafa ngaphambi kwangoko?
Ukuchaza iingenelo ze-MYG A kwaye icacisa nokuba Ingumkhiqizo ofanelekileyo kuwe
- I-MYGAs inikezela ukukhula okuqinisekisiweyo.
- Kukho iindlela zokuhlala ixesha lokukhula kwe-MYGA.
- Imali efanelekileyo kwaye engafanelekanga ingasetyenziswa ukuthenga i-MYGA
- I-MYGAs ayikho imali eqhubekayo.
- Isicwangciso esilula sokwanda kwexesha elizayo singenza i-MYGA ngaphandle kokuxakeka.
- Wena okanye umzuzi uya kufumana iintlawulo eziqinisekisiwe.
- I-MYGAs inokunika inzuzo yokufa ngokuqinisekileyo kwiqabane lakho okanye omnye umxhamli.
Ukuba ukungabikho komngcipheko omkhulu kunye nezinga lokukhula eliqinisekisiwe liyanelisa inkqubo yakho yokucinga nengqiqo, ngoko i-MYGA ingaba yinto efanelekileyo.
Kukwabaluleke ngokufanayo ukuchaza iingxaki ze-MYGA
- Ingxaki enkulu kakhulu ukungabikho kobutyebi ngexesha lexesha elichaziweyo le khontrakthi. Udlulisela isamba semali kwenkampani yomshuwalense ngexesha eliqinisekileyo kunye nokubuyiswa okuqinisekileyo, okanye ngamanye amagama ulahlekelwa ukulawula ngeli xesha.
Iirhafu yembuyekezo ngokulinganayo zilingana no-10-20.
Kukho isigwebo se-10% se-IRS sokurhoxiswa kwangaphambili (phambi kwe-59 ½) kwiqendu lokukhula kwexabiso le-akhawunti. Oku kuphakamisa imbambano yokwesaba nokuhaha. Ngaba unokubambisana nomoya wokunyanzela ukungatyalwanga kwimarike yemasheya nangona kungekho mngcipheko okanye ukungabi nantoni? Kwaye, ngaba unokwenza ngokufanelekileyo nangokwezimali ukwenza eso sigqibo? Ukuba impendulo "ayi" kwaye uzimisele ukuthatha ingozi ekulawuleni imali yakho ngoko i-MYGA ayiyi kufanela iimfuno zakho ezinengqiqo kunye neemvakalelo. Kukulungele ukulandela ezinye iindlela.
Kukho Umzekelo Ocacileyo Wokulandela Njengomthengi WezeMali
Ukulinganisa iingenelo kunye nokungalungi kuyingxenye yenkqubo yokuba ngumthengi wezezimali. Ukwazi iinjongo zakho kwenza inkqubo yokuphumeza isicwangciso sakho semali senzeke. Ukuba uyaphumeleli ukuzinzisa amacandelo omabini wengqondo yakho isigqibo sokugqibela siya kuba nzima kwaye kubangele izigqibo eziphosakeleyo zenziwe. Yazi oko ufuna, cacisa injongo yakho, funda iinkcukacha, uze wenze isigqibo . Okubaluleke kakhulu, musa ukuvumela uloyiko okanye ukuhaha kube yinto ebalulekileyo. Thenga i-steak kuba ihambelana neemfuno zakho nezicwangciso ... kungekhona i-sizzle.
U kufunda ngakumbi
Funda inqaku likaStan Ndingayifumana njani kwiNkqutyana yokuNikwa kweNgeniso ukuze kwandiswe isiseko sakho solwazi ngemali engenayo kamva. Ushiywe uzibuze malunga nokusebenza kwemali? Funda isiqendu seDana Anspach Yintoni i-Annuity Real?
Ukuba ucinga ukuba ulungele ukuhlawula imali, qiniseka ukuba ufunde isihloko sikaStan Indlela yokuCima ngaphandle ukuba ufuna Unyaka .