Iimali ezixhaswe nge-indexedities zihlawulelwe. Ibali akufanele libe ngumqhubi kunoko. Yinto enhle kuba inqununu yakho ikhuselekile ngokupheleleyo kwi-market distatient market, nto leyo imfuneko yokuthatha umhlala-phantsi kunye nabantwana abancinci.
Imbuyekezo ye-annuity Returns isekelwe kwindlela yokufowunelwa kwikhowudi efana ne-S & P 500. Ukhetho lokufowuna alukho mngcipheko wokuba iimakethe ziya kunyuka, kwaye ukuba zenza, uya kuzuza kuloo kukhula.
Ukuba iimarike zithatha ukulahlwa okukhulu njengoko zenza ngo-2008, okokukhethwa kofowuni kuphelelwa lize kwaye awulahlekelwa yimali. Umgca wecala ulinganiselwe, kodwa iimali zigcinwe ngokusisigxina kumhla wokubanjelwa kwemvumelwano. Yiyo inkulumo yam iphakethe kunye nesiphakamiso esincinci sokubaluleka kwee-annxed annuities.
Ukuba ulungele ukubuyela kwehlobo lwe-CD, ii-Indexed Annuities zingasebenza kakuhle kwinxalenye ekhuselekileyo ye-portfolio yakho. Makhe ndicace kakuhle, yinyaniso enesivumelwano sokuthi i-Indexed annuities ayiyiyo imveliso yokukhula kwemakethe nangona kubonakala ngathi zonke i-agent kule planethi iyayibeka ngale ndlela. Esi sicwangciso senzelwe ukwenza kwinqanaba lexabiso lokuqokelela kwesikhokelo.
Cofa apha ukuze ufunde ngokubanzi malunga ne- Fixed Index Annuities
Okubi
Iimali ezixhasiweyo zingase zibe phantsi kwimbali yezemali njengemveliso ethe gqwetyiswa kakhulu kwaye ingathengiswa. Ngaphandle kokuba i-annuity industry kunye ne-carrier reel kule ndawo engenzileyo yokuthengisa, i-Indexed Annuities zijoliswe ukuba zibe iklasi kwizikolo zoshishino kuyo yonke indawo indlela umkhiqizo omuhle uqhutyelwe ngayo umhlaba ngombane ongekho mthethweni.
I-pitch agent efana neyona "iyimakethe engqongqo engabikho phantsi." Isiqingatha saleso sityholo siyinyaniso. Enyanisweni akukho nto ilahlekileyo ngenxa yokuba iyinkokhelo echanekileyo. Ukuba ingxelo yokuthengisa iyenyani ngokwenene, ngoko umsebenzi kaJanet Yellen kwi-Federal Reserve uza kulungiswa. Akukho mntu unokuthembisa ukunyuka kweemarike.
Njengoko ufanele ukwazi ngoku ngoku, le ngxelo ayikwazi ukuba yinyaniso.
Ukuba uphulaphule umsakazo wendawo, ubukela iintengiso ze-TV ze-cable, okanye u-troll kwi-intanethi, uya kuhamba kumyalezo wokuthengisa ongalawulwayo oza kuphazamisa i-Indexed Annuity world. Nantoni na into inokuthiwa, ithathelwe, okanye ithembise ukufumana ukuthengiswa kwamandla onke. Yinto ephazamisayo eqhubeka ikhula ngenxa yokuba akukho ziphumo zento ehambayo kwi-Wild West yokuthengisa umoya. Inkxwaleko yangempela ebonakalayo phambi kweshishini elingenakukhathazeka elingafuni ukuphazamisa ukunyuka kwama premium.
Ngenxa yokuba i-Indexed Annuities ayikho inqabiseko, kwaye ichazwe kuphela njengemveliso yomshuwalense wobomi, kufuneka ukuba ilawulwe kumgangatho welizwe. Masithi nje akukwenzekayo!
Inyani
Ngo-1995, ii-Indexed Annuities zaqala ukuveliswa kwaye zenzelwe ukukhuphisana kwentloko ukuya kwiNtloko ze-CD (iiSatifikethi seDistim) ubuyisela, kungekhona i-market market. Yiyo inyaniso yokuba amaninzi amanxeba angakwaziyo, kodwa inyaniso enyanisekileyo ukuba uthe wathengi isivumelwano se-Indexed Annuity.
Ii-Annuities ezixhasiweyo ziyimigaqo yokunikezela eyiyo yeenzuzo eziqhotyoshelweyo zokungena kwiingeniso zengeniso ezizayo. Enyanisweni, yindlela endiyisebenzisa ngayo ngokuyinhloko i-Indexed Annuities.
Ngokuqinisekileyo ndikhange ndijonge inxalenye yokuqokelela (okokuthi inketho yenkcazo) yomgaqo-nkqubo kwiimeko ezininzi. Ubuninzi bexesha ndijonga kuphela isiqinisekiso sokukhwela umvuzo "sesibonelelo semali kamva" . Isizathu salokhu kukuba ndicinga ukuba kufuneka uhlale unemali yonyaka yezinto "baya kwenza, akunako ukwenza." Ukuguqulelwa: Iziqinisekiso zokusebenza zihambise!
Kweemeko ezithile, ndisebenzisa i-Annuities yexesha elifutshane kunye ne-Fixed Rate Annuities (aka-MYGAs) kwiinkqubo zokulinganisa. Ndibiza ngokuba "i-Mixed Fixed Ladder" ngenxa yokuba idibeneyo ye-Fixed Rate ne-Indexed Annuities.
Cofa apha ukuze ufunde ngokubanzi ngeeNkcazo zokuLungisa
Umgca wokugqibela kukuba i-Indexed Annuities ayikho into enhle ukuba ibe yinyaniso, kodwa ingaba yindoda enhle xa ukulindela kwakho kuhambelana neenkontileka.
Cofa apha ukuze ufunde kabanzi malunga ne-MYGAs