Icandelo lokuhlawula imali lithathwe ngandlela-thile lucandelo lwemveliso elungileyo kwaye lenza ukuba kudideke kumthengi, ukuba abantu abaninzi baphosa izandla xa bejonga ukuthengwa kwemali. Iimali ezichaseneyo kunye nezikhombo zimelela ubuninzi beedola ezigidi ezingama-200 kwii-annuity sales, kwaye yilapho ukudideka kwemveliso kubakho.
Zomibini zeentlobo zeemveliso zigqitywa ngamagosa aneenkalo eziphambili ezibekwe ekukhuleni kweemakethe kunye neziganeko zokubuyiselwa kwephupha ezingavumelekanga. Oku akusiyo nje inhlanhla, kodwa kuyingozi kuba iphupha lokukhula lilahleka ngokupheleleyo le ngongoma xa kufikelelwe kumarhoxity. Ndiye ndavelisa indlela elula kwaye efanelekileyo yokubona ukuba i-annuity ihambelana nemeko ethile.
Isichazamazwi esithi "PILL" kulula ukukhumbula kwaye ichaza apho i-annuities ifanelana nayo nayiphi na iphothifoliyo.
P = Ukhuseleko oluyiNtloko. Ngaba ufuna ukugcina inqununu yakho?
Izibonelelo zinikeza uncedo olupheleleyo olukhuselekileyo usebenzisa i-annuities ehleliweyo. Kukho iintlobo ezahlukahlukeneyo zokuhlawulelwa kwimivuzo efana ne-Fixed Rate Annuities (i- MYGAs ), i-Fixed Index Annuities (ii- FIAs ) kunye neNdawo eziHlangeneyo eziKhuselekileyo , ezikhusela ngokupheleleyo inqununu yakho kunye nesiqinisekiso sokuqinisekisa ukuba ukhuseleko.
I = Inzuzo Yobomi. Ngaba ufuna iintlawulo ezifumanekileyo ezihlawulwayo?
Izibonelelo eziye zaphuhliswa ukuba zinike iingeniso kwaye ziye zajikeleza ukususela kumaxesha amaRoma.
Enyanisweni, igama elithi annuity livela kwigama lesiLatini elithi "annua", oku kuthetha iintlawulo zonyaka. Iimali zentlawulo zinikezelwe kwaye zithengiswa eUnited States iminyaka engaphezu kwama-200, kwaye yodwa yonyulwa yonyaka ukususela ngowe-1952. Ngaloo nyaka kwavelisa umrhumo wokuqala wokuguquguquka kwenkampani ebizwa ngokuba yi-TIAA-CREF.
Iimali eziNyanga eziZodwa ( Announcements ), ii-Annuities eziLungileyo (i- DIAS - Iimali eziNyaka eziNyelweyo , iiRowers Income ), kunye nokukhethwa kwee-annuitization kwiimali ezikhethiweyo ezihlawulwayo zonke zinokubonelela ngeengqinisekiso zokufumana imali. ekuqinisekiseni iimfuno zengeniso.
L = Ilifa. Ngaba ufuna ukuseka iintlawulo zemveli kunye nokukhuselwa?
Iingxowa-mali zingasombulula isisombululo sokufumana isibonelelo sokufa ngokuqinisekileyo ngokukhawuleza ukukhwela inzuzo (oku kukuncedisa inzuzo) ngexesha le sicelo. Ubomi bomshuwalense osisigxina kuseyona mveliso engcono kakhulu yemveli ekhoyo, kodwa ukuba awukwazi ukudlulisa iimfuno zokubhala phantsi, isisombululo sonyaka esiqinisekileyo sinokuphela kwesinye isisombululo.
Izicwangciso zokufumana izibonelelo zokufa ezixhamlayo zibandakanya abagibeli ukuba unamathele kumgaqo-nkqubo ngexesha lokufaka isicelo sokuqinisekisa ukuveliswa kwepesenti zonyaka ezingasetyenziselwa ukushiya imali kwiindlalifa zakho.
L = Ukunyamekela kwexesha elide. Ngaba ufuna ukunyusa ukunakekelwa kwakho kwexesha elide?
Ukunyamekelwa kwexesha elide, okanye ngamanye amaxesha ukubizwa ngoncedo lokuvalelwa, ukuhanjiswa kungaphendululwa ngeentlobo ezithile zeentlawulo. Nangona umgangatho wenkathalo yendabuko oqhubekayo unika i-best coverage, i-annuities inikeza enye into enokukhetha ukuba unempilo eyaneleyo yokufumana imveliso yemveli.
Ukunyamekelwa kwexesha elide kuza kwiifom ezimbini; umcimbi olula kunye nombango oqinisekileyo. Umcimbi olula unxulumene nodliwano-dliwano lwefoni kunye nomphathiswa okhuphayo ukuze afaneleke ukufumana ingxelo, kwaye umbandela oqinisekileyo uyazichaza.
Khumbula! Iimali ezihlawulelwayo azithengi iimveliso zokukhula kweemarike, zidlulisela umngcipheko wokukhupha imali yakho kubathwali.
Kubalulekile ukuphinda uphinde uqinisekise ukuba isigcaziso se-PILL asinayo "G" naphi na ukuba ifumaneke. "G" imele ukukhula, kwaye i-annuities ayikho imveliso yokukhula nangona kunjalo i-agentisti izama ukuyibeka ngokungafanelekanga. Iimali zengxowankulu zizithutha okanye izisombululo ezinokuthi zibe ngumnini weziqinisekiso zabo zesivumelwano. Ukuthetha kwam kukuba "Unomvuzo wento aza kuyenza, kungekhona into enokuyenza." Ngaba iya kubhekisela kwiziqinisekiso zomnqophiso zomgaqo-nkqubo.
Ungalokothi wenze isigqibo sokuba ube ne-annuity esekelwe kwi-theoretical, hypothetical, projected, back back tests, potential or non-guaranteed return scenarios. Fumana iphuzu! Zisoloko zithenga iziganeko zengqinisiso, kungekhona iphupha leminyaka.
Sebenzisa i-PILL ukufumanisa ukuba i-annuity ingasebenzela imeko ethile. Ngamanye amagama, gwinya iPILL, kungekhona i-agent ye-sales pitch.