Kukho enye into eyenziwa ngumntu onobudala
Enye: Zonke iiforti azifani
Ngaba uyazi ukuba zingaphi iintlobo ezahlukeneyo zonyaka? Ukutshatyalaliswa ngokukhawuleza, ukunyuka kwexabiso lokunyuka kwexabiso lokunyuka kwexabiso lokunyuka kwamaxabiso, ukuhlawulwa kwemali eguquguqukayo, ukuhlawula okungafaniyo kunye nabagibeli abanemali ekhokhwayo, i-annuities echaziweyo esebenzayo njengendlela yexesha elide le-inshorensi, ama-annuities kunye nabanqapheli bexesha elide, ama-annuities, ama-annuality annualities, abagibeli bemali ...
Whew! Le nto! Nangona kunjalo sisebenzisa igama elilodwa elithi "annuity" ukucoca yonke le micimbi eyahlukileyo.
Uhlobo ngalunye lwenkcazo lunemiqathango yeempawu kunye neenzuzo ezinokusebenza kakuhle njengenxalenye yesicwangciso sakho somhlala-phantsi ... okanye mhlawumbi akunjalo. Kuxhomekeke kwizinto ofuna imali yakho ukukwenza kuwe xa ufuna, kwaye yiziphi iintlobo zokurhweba okufunayo. Ngamnye uhlukile. Xa uva ilizwi elithi annuity, ungabonakali.
Eyesibini: Zonke iintlawulo zinezinto ezifanayo
Zonke iimali zonyaka ziyimveliso ye-inshorensi. Ziyimigaqo-nkqubo ekhutshwe yiinkampani zomshuwalense. Ukuba ufuna ukutshintsha umngcipheko lweentlobo ezithile zengozi (umngcipheko wokutshala imali, umngcipheko wexesha elide) kwinkampani yomshuwalense, unyaka yindlela enye yokwenza.
Ukutshatyalaliswa komngcipheko wotyalo-mali kwenzeka xa uthengisa imali echanekileyo. Inkampani ye-inshorensi ithatha imali yakho, iyayifaka imali, kwaye ngokubuyisela, ikuhlawula inani eliqinisekileyo lokubuyisela. Bathwala ingozi yokutshala imali, kungekhona wena.
Ukutshintsha ingozi yokuphila ixesha elide kwenzeka xa uthengela umvuzo wonyaka ohlawula imali engenayo yenyanga yonke ebomini bakho. Asikho isidingo sokukhathazeka ngokususa imali yakho kwakhona; le mngcipheko uye watshintshela kwinkampani yomshuwalense. Kwaye oku kuphawu lokubonakala kwenyanga.
Eyesithathu: Kukho into enye into evulekileyo
Kukho into enye inzuzo ephezulu.
Oko kukuhlawula umngcipheko wexesha elide; umngcipheko wokuba ungaphumelela ingeniso yakho.
Kubaxhasi abafuna ukuzikhusela kule mngcipheko, i-annuity yonyaka, i-inshorensi ende, i-premium echaziweyo kunye neentlawulo ezichaseneyo kunye nenzuzo yokurhoxiswa okuqinisekileyo kufuneka ihlolwe kwaye iqwalaselwe.
Kutheni i-annuity ekhulu kangaka ekukhuseleni umngcipheko wexesha elide? Ngenxa yezinto ezibizwa ngokuba yimali yokufa. Kwiphina idibi elinikeziweyo labantu kunoma yiphina ubudala, abanye baya kuphila ixesha elide kwaye ezinye azikho. Ukuba uthengela imali yakho engenayo kwiminyaka engama-70 okanye ngaphezulu, iinkampani zenkxaso-mali zinganikeza umvuzo ophezulu kuwe; into ehambelana nomlinganiselo ophezulu wokubuyisela ngenxa yokuba le ndlela yokufa iyakwenza umsebenzi. Enye indlela yokufumana ukubuyela okuphezulu kwimali yakho, kodwa abaninzi abantu abayi kujonga ngale ndlela.
Okwesine: Yintoni omele uyibuke ngayo kunye neentlawulo
Izibonelelo ziyakunqanda kwaye zibiza xa zisetyenziswe ngokungafanelekanga. Into emele uyigcine engqondweni: i-annuity iyithuluzi. Kuko konke. Ukuba uthetha nomntu owenza imali yabo ngokuthengisa i-annuities, baya kuchaza ngezibonelelo zesixhobo sabo. Ukuba uthetha nomntu ongeke enze nayiphi imali yokuthengisa i-annuities, baya kukuxelela ukuba kutheni ungafanele uthenge enye.
Ukuba uthetha nomntu owenza imali yabo ihambise iingcebiso ezijoliswe kuyo, baya kukunceda ukuba wenze isigqibo sokuba ngaba i-annuity efanelekileyo iya kunika inzuzo kuwe, kwaye baya kukunceda ukuyilinganisa nezinye iindlela.
Iintlanu: Ngubani othenga i-annuity
Kwimibuzo emininzi, abahlala kwiindawo zokuthatha umhlalaphantsi bathetha ukuba inani labo loyiko lokuthatha umhlalaphantsi liphuma kwimali. I-inshorensi esondeleyo okanye i-inshorensi ende yinto ekhethekileyo yokukhusela kulo mphumo. Kodwa ke bambalwa abantu bathenga.
Kutheni oku? Akunangqiqo.
Ndicinga ukuba abantu abayiqondi imveliso, kwaye, ngokunyanisekileyo, ndicinga ukuba abaninzi abantu bacinga ukuba abayi kuhlala ixesha elide.
Ayindim. Ndiyamangaliswa yihlabathi kunye nezinto esizenzayo ngabantu. Ndifuna ukubona oku kunokwenzeka. Ukuhlawulwa kwemali kuya kuba yinto enhle kum.
Uthini ngawe?