Abanye abantu bafuna ukufumana umvuzo wokufumana imali kwaye bancede uncedo okanye ungekho ngenzuzo kwinkqubo. Oku kungenziwa ngokusebenzisa isakhiwo seCritable Gift Annuity (CGA). Olu hlobo lwe-annuity lusebenza njenge-Premium Single Premium Annuity (SPIA) ngokubonelela ngemali engeniso eqinisekisiwe kodwa umahluko ophezulu kukuba xa usweleka, uthando lugcina yonke imali engasetshenziswanga.
IiNkcazo eziNye zeNkcazo eziKhuselekileyo kunye neNcedo zoNyaka zoMnikelo eziNikwayo
Ukufumana isisombululo sokusombulula ingeniso yokufumana ingeniso yokuphila ingalandelwa emva kwembali ukuya kwi-Age Age. Olunye uhlobo lwengeniso yokufumana imali ebudeni bexesha elizeleyo linikezelwe eUnited States iminyaka engaphezu kwama-200, kwaye ngoku sibiza ngokuba nesakhiwo se- Single Premium Annuity Immediate Annuity (SPIA). Ezinye iincwadana zeendaba zezezimali zibhekisela kulolu cwangciso olulula njengengeniso yokufumana imali okanye umhlala-phantsi wempesheni, kodwa ngokwenene ibhekisela kuhlobo lwemiqathango ye-SPIA. Izibonelelo zoNcedo eziNcedo ziyi-intuthuko yakutshanje kodwa zinikezela ngeenzuzo ezifanayo zokufumana imali, kunye neenzuzo zerhafu.
Iimali zokuThuthukisa ukuThathisa ingozi oyijongene nayo yokuphucula imali yakho
Xa ugqiba ukuthenga i-annuity yokusombulula kwiimfuno zengeniso yokuphila, uqobo utshintshe umngcipheko wokukhupha imali yakho (ingozi engumngcipheko) kwi-hosting carrier. Ukuba uhlala iminyaka engama-20 edlulileyo ixesha lokuphila kwakho, ke loo mqhubi wempesheni ekhokheni ukukuhlawula.
Esi sihlongozo esiyingqununu esilungileyo esichaza i-annuities ngaphandle kwayo yonke imveliso yemali.
Inkampani ye-Annuity Awuyigcine Imali Yakho Ngaphandle kokuba Uthi Iyakwazi
Enye yeengxaki eziqhelekileyo malunga ne-Premium Single Premium Annuities (SPIAs) kukuba xa usweleka, inkampani enobungozi igcina yonke imali yakho engasetshenziswanga.
Oku kuchaza isakhiwo se-SPIA kodwa sichaza kuphela 1 kwiindlela ezili-15 ezahlukeneyo zokumisela isivumelwano sokuhlawula. Ubuninzi beenkontileka ze-SPIA ndincoma ukuba i-100% yiphina imali engasetyenziswanga eya kubaxhamli abaluhlu, kungekhona inkampani yenkampani.
Iinzuzo zoMnikelo onobuNcedo obuNokuziqwalasela
Izibonelelo Zemivuzo (i-CGAs) zibonelela ngemali yokufumana imali engenakho ukuqala ngokukhawuleza okanye emva komhla. Uninzi lwemibutho engenzi-nzuzo efana nezibhedlele, izibonelelo, iiyunivesithi, iikholeji, kunye ne-501 (c) (3) izakhiwo zinika iinkqubo zokunika isipho isipho.
Inzuzo eyona nto oyifumanayo ngokusebenzisa i-Gift Charity Annuity (CGA) yinzuzo enkulu yentlawulo ebhaliweyo. Yiloo nto eyahlula i-CGA kwi-Annuality Immediate Annuity (SPIA). Kucacile ukuba, ukuba unentliziyo yakho yokuthanda, kwaye ukuhlawula okuqinisekileyo kukhuphiswano kunye ne-annuity efanayo yezorhwebo, ngoko isicwangciso-mali sokuHlalisa isiKhokhelo (Critable Gift Annuity) (CGA) singaba "uphumelele" kuwo onke amaqela abandakanyekayo.
Imida yeSizwe soMnikelo onobubele onokuyicinga
Isiseko esiphezulu seSipho Sokunikezelwa Kwesipho (CGA) kukuba le ngeniso iqinisekisiwe ngu-charity issuing or nonprofit. Ngamanye amazwi, amabango okuhlawula umbutho wokukhupha ibalulekileyo kwinkqubo yokwenza izigqibo.
I-CGAs ayixhaswa yiNgxowa-mali ye-State Guaranty njengeentlawulo zorhwebo, ngoko kufuneka kuthathelwe ingqalelo. Kwakhona, uninzi lwezibonelelo zemivuzo (CGAs) aliniki i-COLA (iindleko zokuLungiswa koLimo) ukunyuka kwonyaka ukuya kumsondeza umvuzo apho i-Premium ye-Single Premium Annuities (Ii-SPIA) kunye ne-Annuities eziNgenisiweyo (i- DIAs-aka: i-Annuities Income ). inzuzo.
Izibonelelo zemihlakelo yezibonelelo zilawulwa yi-ACGA
I-American Council of Gift Annuities ibhunga elilawulayo elijongene nayo yonke iminikelo yokuhlawula i-Gift Charity and setha iirhafu zokuhlawulela ukuze kubekho ukulingana phakathi kwabathumeli beCGA. Ndiyakhuthaza ukuba uye kwiziko labo ngekhonkco elingasentla ukuze ubone iinkcukacha zeemarike zorhwebo.
Yenza iNgeniso kunye neNjongo yokuNcedisa iNcedo kunye neNgeniso-nzuzo!
Ndihlala ndicebisa abaxumi ukuba xa ufuna umvuzo wokufumana imali ngokuqinisekileyo, qwa lasela zombini i-annuities kunye neempesheni zenzelwe isisombululo.
Bobabini baneziphakamiso zabo ezixhamlayo, kwaye kubalulekile ukuthenga umgangatho kumabango ekukhokhwa kwamandla.