Iimali zengqesho ziyimvumelwano zomshuwalense ezingasetyenziselwa ukugcina imali kwaye zithathe imali engenayo kuloo mali.
Indlela yokuSebenza ngokukhawuleza
Xa usebenzisa i-premium ye-premium annuity (SPIA), uyifake isamba semali (" intlawulo yakho ye- premium ") kunye nenkampani yomshuwalense.
Emva koko, loo nkampani yenza iintlawulo zemivuzo rhoqo kuwe (ufumana iintlawulo zenyanga okanye umnyaka, umzekelo). Ezi ntlawulo zingase zifike njengama-paper check or electronic deposits ngqo kwi-akhawunti yakho yasebhanki .
Emva kokuba uthenge i-annuity ngokukhawuleza kwaye uqale ukuthatha ingeniso (eyaziwa nangokuthi "ukuhlawulela"), ngokuqhelekileyo akukho ukubuyela emva: wenze isigqibo esingenakwenzeka kwaye kunzima, kubiza, okanye kunzima ukuphuma kuyo (kodwa kukho ukhetho). Ngenzuzo, inkampani yomshuwalense ithembisa ukuqhubeka ihlawula kuwe.
Ukutshatyalaliswa ngokukhawuleza kwahluke kwiimali ezikhethiweyo ezithintekayo, ezithintele kuphela kwimali yakho (endaweni yokuhlawula imali engenayo).
Uhlawulelo oluninzi?
Inani lemali engenayo oyifumana lixhomekeka kwiimeko eziliqela. Ngokucacileyo ukuba unomdla ngakumbi, uya kuphinda ufumane kwakhona. Kodwa unakho ukhetho malunga nendlela umvuzo ohlawulwa ngayo. Umzekelo, unokukhetha enye yezi zinto zilandelayo:
- Ufumana iintlawulo eziqinisekileyo ubomi bakho bonke - kungakhathaliseki ukuba uhlala ixesha elingakanani
- Ufumana iintlawulo zeminyaka eli-10 okanye engama-20, okanye abaxhamli bakho bafumana imali ukuba awuhlali ixesha elide
- Iintlawulo zokugqibela xa nje wena okanye iqabane lakho lisaphila
- Olunye ukhetho, kuxhomekeke kwi-insurer yakho
Iintlawulo ezinkulu zidla ngokuza kukhetho lokuqala
Ukuba ufuna ukuba iintlawulo zihlale ixesha elide nje ukuba abantu ababini bahlale bephila, inkampani yinshurensi ithatha ingozi enkulu kwaye iya kunciphisa iintlawulo zakho ngokufanelekileyo.
Kwenzeka ntoni ekufeni?
Ukuba unyakaza kwaye ukhetha iintlawulo zemihla ngemihla, iintlawulo ngokuqhelekileyo zimisa ekufeni (okanye ukufa kwesibili, ukuba ukhetha iintlawulo zexesha elilodwa). Kungakhathaliseki ukuba uvela okanye ungayi kuqala, kuxhomekeka kwezinye izinto, uhlala ixesha elingakanani. Inkampani ye-inshurensi iyaziqhelanisa nezibalo, ngoko ke ukuba uhlala ubomi obungalindelekanga, ungagqiba ukufumana into emnandi. Kodwa ukuba uya kufa ezinyangeni ezimbini zokuthatha imali engenayo kwaye awukhethi "ixesha elithile" (njengeminyaka eyi-10), inkampani yomshuwalense ingakwazi ukugcina inqununu oyifaka kwi-annuity.
Ngaphandle kokuba unako ukuqikelela ukuba uza kuhlala ixesha elide, kunokuhlala kusengozini yokusebenzisa i-annuity esheshayo. Ngoko ke kubalulekile ukuvavanya ngokucokisekileyo ingozi kunye nokuthelekisa ezinye iindlela (mhlawumbi unokuchitha phantsi izinto zakho ngaphandle kokusebenzisa inkampani yomshuwalense).
Iingxaki
Ukongeza kwengozi yokuphila ubomi obutshanje, ukuhlawulwa ngokukhawuleza ngamanye amaxesha kunokuba nzima. Kukho iintlobo ezahlukeneyo ezifumaneka kubaboneleli abaninzi abahlukeneyo. Abanye bathembisa ukukhuselwa kwexabiso lokunyuka kwamaxabiso kwaye banikezele iintsimbi ezongezelelweyo kunye neengoma, kodwa kusoloko kukho intlawulo yokuhlawula izixhobo ezingaphezulu.
Enye ingozi yinto enokwenzeka yokuba inkampani yakho yomshuwalense iya kwi-belly-up. Abatshutshisi abaqinisekisiweyo karhulumente njengebhanki eqinisekisiwe ye- FDIC , ngoko uya kufuna ukukhetha abaqinisekisi bomeleleyo (kwaye banethemba lokuba bayaqhubeka behlala beqinile kulo lonke ixesha lokuphila kwakho).
Ukuthenga i-annuity esheshayo yisigqibo esikhulu. Inokufumana ingeniso rhoqo njengemali yokuhlawula okhulile kuyo, kodwa i-annuities ayinayo yonke into. Thetha kunye nomcwangcisi wezemali wendawo kwaye xoxubushe zonke iindlela ngaphambi kokutsala i-trigger.
Ukubhengezwa okubalulekileyo
Eli phepha liqulethe ulwazi olubanzi lwezemfundo malunga neentlawulo, kodwa aluyi kuthatha ingqalelo imeko yakho, kwaye ayifanelekanga nawuphi na umgaqo-nkqubo owujonga ngawo. Xoxa ngeendlela ozikhethayo kunye nomcwangcisi wezemali, uthetha negosa lakho lomshuwalense welayisensi, kwaye ufunde onke amaxwebhu eenkampani zomshuwalense ngokucophelela.
Ukutshintsha kungase kube yinto eyahlukileyo, kwaye izinto zitshintshile - kwaye awufuni ukwenza nayiphi na ingcinga malunga nento ebalulekileyo njengengeniso yokuphila.