Isikhokelo soQalelo sokuQonda iziNtu
Ingxelo iyinkontileka yinshurensi. Abantu abaninzi bacinga ngemali yokuhlawula imali, kodwa xa uthengisa imali, uthenga umgaqo-nkqubo we-inshurensi. Uqinisekisa isiphumo.
Ubeka imali kwinkontileka yomshuwalense okanye umgaqo-nkqubo, kwaye inkampani yomshuwalense ikunikezela isiqinisekiso malunga nokuba uza kuyifumana nini imali leyo, nokuba yintoni inzala yemali yakho eya kuzuza.
Kukho malunga neentlobo ezininzi zeentlawulo njengoko kukho iintlobo zezinja, kwaye uhlobo ngalunye lusebenza ngokuhlukileyo.
Ngenxa yokuba zininzi iintlobo zeemveliso zempesheni, oku kubangela ukudideka ngokubanzi malunga nokuba yintoni umvuzo kunye nendlela osebenza ngayo. Kusenokwenzeka ukuba uye wakuva iingxabano ezinamandla kunye nokuchasene nezibonelelo, kodwa inyaniso kukuba konke kuxhomekeke kukuphi uhlobo lonyaka othetha ngalo kunye nento oyisebenzisayo.
Makhe sijonge kwiintlobo ezi-5 eziphambili zokuhlawula imali oza kufikelela kuzo - ukuhlawulwa ngokukhawuleza, ukuhlawulwa kwemali, ukuhlawulwa kwemali, kunye nokunyuswa kwemali - kwaye ubone indlela uhlobo lunikelo olusebenzayo.
Iyintoni iAnyuuity Immediate Annuity?
Ngomhla wokukhawuleza, unikezela inkampani yomshuwalense imali eyimali, kwaye ihlawula inani eliqinisekileyo lemali engenayo yenyanga. Bayihlawula imali engaphezulu kwexesha elimisiweyo, njengeminyaka elishumi (oku kuthiwa yi- term-certain annuity ), okanye banesiqinisekiso sokukuhlawula xa usaphila.
Cinga ngemali ehlawulwa ngokukhawuleza ngaphezu kobomi bakho bonke njengebhokisi lekhukhi. Unika inkampani yomshuwalense imali yakho (ibhobho epheleleyo yekiki), kwaye ikubuyisela ikhukhi minyaka yonke.
Ukuba le nto ingenanto, i thembisa ukuqhubeka ihambisa ii-cookie nanini, iminyaka eninzi njengoko uhlala kuyo. Ngokubuyisela, uyavuma ukuba xa ubanika ijelo, awukwazi ukufikelela kwaye uthathe icookie nanini na. Ukuba unyaka owodwa ufuna ama-cookie amathathu, uya kufuneka uwathabathe ukusuka kwenye indawo-engekho kwikhombo.
Ukunikezela okungekhoyo kweekiki kuthetha ukuhlawula umvuzo wendawo yokuhlala kwinqanaba elihle lokuhlala ixesha elide. Kungakhathaliseki ukuba uhlala ixesha elingakanani, kwaye kungakhathaliseki ukuba ungakanani imali enokuyisebenzisayo ngaphambi kokuthatha umhlalaphantsi, uya kufumana ikhukhi minyaka yonke. Kubadala abaqeshwe ngabanye abangabashadile, i-annuity yangasese inokukunceda ukuba baqiniseke ukuba abapheli imali yabo.
Yintoni Eyona Ntsingiselo?
I- annuity echanekileyo iyimvumelwano kunye nenkampani yomshuwalense apho bakunikezela ngenqanaba lemali eliqinisekileyo kwi-investment. I-annuity echanekileyo isebenza kakhulu njengeSatifikethi seDistim (CD) esikhishwe yibhanki. Endaweni yebhanki ekuqinisekiseni inzala yakho, inkampani yomshuwalense inika isiqinisekiso.
Ngomhla ochanekileyo, umdla uqokelela ukuhlawulwa kwentela. Uhlawula irhafu xa uthatha ukuhoxiswa. Inzala ehoxiswa ngaphambi kweminyaka yobudala engama-59-1 / 2 ixhomekeke kwi-10 yepesenti yokurhoxiswa kwerhafu yokuqala, kunye neentlawulo zerhafu eziqhelekileyo.
Umyinge wenzalo uhlala uqinisekisiwe malunga nesixa esicwangcisiweyo sexesha, njengeminyaka emihlanu okanye iminyaka eyi-10. Emva kokuba ixesha liphelile, inkampani yomshuwalense iya kukuxelela ukuba yeyiphi inzala yakho entsha. Ngelo xesha, unokuqhubeka nokuhlawula imali, ukutshintshana ngolunye uhlobo lwe-annuity, okanye (njengokwama-CD) ukuthenga imali kwaye wenze isigqibo sokutyalwa imali kwezinye iindawo. (Ukuba uyayifaka imali, uza kuhlawulwa irhafu kwi-interest-tax interest).
Uninzi lwabiwo mali lunikezele iirhafu, ngoko ke ukuba unika imali kwi-annuity early, ulungele ukuhlawula imali ephezulu. I-annuity echanekileyo ingaba lukhethi olufanelekileyo ukuba ufuna utyalo-mali obuncinci, unokuba kwisantya esezantsi yentlawulo emva kokuba uhoxise imali, kwaye uzimisele ukushiya imali yakho kwisivumelwano semali efunekayo yexesha.
Iyini i-Annuity indexed?
Umhla wonyaka ohlawulelweyo luhlobo lohlawulelo olusisigxina oludla ngokuba li-annuality index (FIA) okanye i-annity-indexed annuity. Ngalolu hlobo lwemali, inkampani yomshuwalense inikezela ngokubuyisela okuqinisekileyo kunye nokukwazi ukubuyiswa okongeziweyo ngokusebenzisa ifomu edibanisa ukwanda kwe-akhawunti yakho ukuya kwikhowudi yemasheke.
Iimali zonyaka ezixhasiweyo zinemiba enzima njengemilinganiselo yokuthatha inxaxheba kunye namazinga e-cap echaza iifomula malunga nendlela ukubuyiswa kwakho kubalwa ngayo. Thelekisa ezinjalo izicwangciso ngokubhekiselele kulolu hlobo lwemveliso. Khawuqwalasele le mveliso njengenye indlela ye-CD, kungekhona njengenye indlela yokulingana. Ukuba umntu ucebisa kuwe njengenye indlela yokulingana, cinga kabini.
Eminye i-annuities ekhokhelweyo nayo ineempawu eziqinisekisa isixa onokusihoxisa emva komhlalaphantsi. Olu hlobo lomkhiqizo lubizwa ngokuba yi-annored annuity, kwaye lunokuba lukhethi oluhle kumntu malunga neminyaka eyi-10 kude nomhlalaphantsi, njengoko kuqinisekisa ingeniso abaya kuba nayo kwixesha elizayo.
Yintoni i-Annuity Variable?
I- annuity eguquguqukayo iyimvumelwano kunye nenkampani yomshuwalense apho uya kukhetha ukuba iifom ngaphakathi kwesivumelwano zityalomali. Inkampani ye-inshurensi inikeza uluhlu lwemali (ebizwa ngokuba yi-sub-akhawunti) ukukhetha kuyo. Kubizwa ngokuba yi-annuity eguquguqukayo kuba ukubuyiselwa kwakho oya kufumana kuya kuhluka kuye kuxhomekeke kwiimali-mali ozikhethayo. Qhathanisa oku kunye ne-annuity echanekileyo, apho inkampani yomshuwalense ikunikezela ngokuqinisekileyo ngesantya senzala eqinisekisiwe.
Utyalo-mali phakathi kwenyanga eguquguqukayo ikhula yerhafu-mali, ngoko ke, njengengxelo ye-IRA, unokutshintshana phakathi kotyalo-mali ngaphandle kokuhlawula irhafu yentlawulo.
Ngokwe-annuity eguquguqukayo yokufumana inkontileka ye-inshurensi, kufuneka kuqinisekiswe ukuba kuqinisekiswe.
Uhlobo oluqhelekileyo lwesiqinisekiso siqinisekiso sokufumana isibonelelo sokufa sokuqinisekisa ukuba xa usweleka kukukhulu kwexabiso lesikontraki langoku okanye inani elipheleleyo leminikelo yakho (ngaphantsi kwanoma yiyiphi ihoxiswa) iya kuhlawulelwa kumxhamli wakho. Umzekelo, ukuba utyalomali i-$ 100,000, kwaye utyalo-mali luye lwaba xabiso ukuya kwii-90,000 zamaRandi, kwaye udlulile ngelo xesha, isivumelwano siya kuhlawula i-$ 100,000 kumntu obizwa ngokuba ngumxhamli. Ukuba utyalo-mali bekhuphuke kwixabiso kwaye befanele u-R10 000, isivumelwano siza kuhlawula i-$ 110,000.
Izibonelelo ezikhoyo zanamhlanje ziza neziqinisekiso zokufumana ezongezelelweyo zokufa kunye nabagibeli beenzuzo eziphilayo ezenza ukuba ibe yinto ebonakala yinkxalabo yemali yabathengi engabonayo. Ngeenjongo zokutyalomali, iimali zenkcazo ngokuqhelekileyo zikhethiweyo kangcono kunokuba i-annuity variable. Ngenjongo yesiphumo esiqinisekisiweyo, ezinye iintlobo zonyaka zilungele. Oko akushiyi iimeko ezininzi apho i-annuity eguquguqukileyo ikhethileyo. Ngenxa yokurhoxiswa kweerhafu, i-annuity eguquguqukayo ingaba yinto efanelekileyo kumntu omncinci ofumana imali engenamvuzo osuke ekhupha ama-401 (k) amacebo kunye negalelo le-IRA kwaye ufuna indawo eyongezelelweyo yokubeka imali apho ingakhula intela- ixhaswe iminyaka engama-20 ukuya kwe-30.
Yintoni i-annuity ekhethiweyo?
Ngomnyaka ochaziweyo , ubeka imali namhlanje, kwaye umrhumo wokufumana imali uqinisekisiwe ukuqala ngexesha elichaziweyo kwixesha elizayo, ngokuqhelekileyo ubuncinane ubuncinane kwiminyaka elishumi ukususela xa uqala ukuthenga unyaka. Olu hlobo lonyaka luyakunceda ukunciphisa umngcipheko wokuba ukuhla okukhulu kweemarike zamasheya kuyakuphazamisa usuku lwakho lomhlalaphantsi olucwangcisiweyo.
Amanqaku amaninzi ahleliweyo, angabonakaliyo kunye neenguquko anikezela ngophawu lokumisela apho unenketho yokuthenga inani eliqinisekileyo lemali ezayo. Ezi zixhobo zihamba ngamagama afana nenzuzo yokurhoxiswa eqinisekisiwe, inzuzo ephilayo, abagibeli bemali abaqinisekileyo, njl njl.
I-annuity echasiweyo ingabizwa ngokuba "yomshuwalense wesikhathi eside" kwaye kukho uhlobo olukhethekileyo lwe-annuity, ebizwa ngokuba yiContract Annuity Contract (QLAC) eyi- Qualified Longevity Annuity Contract (QLAC) onokuyithenga nge 401 (k) okanye imali ye-IRA. Nge-QLAC, imali engeniso iqala ngo-85 ubudala, ngoko uthenge olu hlobo lwenyanga ukuqinisekisa ukuba uya kuba nenqanaba elincinci lentlawulo kumdala wakho.
Njengoko uyakubona, zonke iiforti azifani. Naluphina uhlobo lohlawulelo luya kuba lukhetho olufanelekileyo ukuba uyazi ukuba kutheni uyithengi kwaye uza kuyisebenzisa njani - kwaye nayiphi na imali ikhethiweyo ingaba yinto embi ukuba awuyiqondi indlela isebenza ngayo.