Ukuhlawulwa kwee-annuity zikwahlula njengemveliso yomshuwalense wobomi, ngoko ke ilayisenisi yomshuwalense yomshuwalense yiyo yonke into efunekayo ukucela nokuthengisa ezi ntlobo zezicwangciso.
Izibonelelo zilawulwa kwinqanaba likarhulumente, kwaye ngalinye likarhulumente linesebe le-inshurensi. Umbutho kaZwelonke weeKomishinari ze-Intshulamu ibhunga elilawulayo kulo lonke ilizwe. Ukuhlawulwa kweentlobo ezihlukeneyo kubonwa njengokhuseleko, kwaye ke baphinde bajongane ne-SEC ( iKhomishana yoTshintsho lweeNkxaso-mali) kunye ne-FINRA (iGunya loLawulo lwezeMali kwiShishini). Kubonakala ngathi uninzi lwengamela, kodwa nangona le ngongoma yehlabathi yokuthengisa i-annuity isacingwa njengentlango yasendle entshonalanga apho kukho phantse nayiphi na into, ngokukodwa malunga neenkokhelo ezihlawulweyo.
IiNkcazo zeeNkcazo eziHlomelo
Kwiminyaka edlulileyo, kwakukhona ingxoxo yomthetho malunga ne-Fixed Index Annuities (i-FIAs) ithathwa njengokhuseleko okanye cha. Iimali zonyaka ezixhasiweyo zineenkalo zokukhula ezibandakanya ukhetho lokufowunelwa kwisikhombisi (ngokuqhelekileyo i- S & P 500 ), kunye nomda (aka: cap) ebekwe kwindawo yokubuya.
Ekupheleni kosuku, i-inshurensi yobomi bentsholongwane iyatshintsha iimeko zabo kunye ne-FIAs zihlala njengemali echanekileyo, kungekhona ukhuseleko.
Isizathu sokuba abaqhubi be-intanethi kunye ne-intanethi abangalawulwa yi-intanethi abafunanga i-annuity annuities eziza kubalwa njengokhuseleko baya kufuneka badlule ukuvavanya kwangempela ukuthengisa umveliso.
Okwangoku, ukuba bahamba ngokukhawuleza, nabani na oya kufumana ilayisenisi zingaphantsi kweeveki ezimbini ukuthengisa iimali ezihlawulisiweyo ngokugqithisa uvavanyo lwe-inshorensi yomntu. Ngoko unako ukusebenzela ubomi bakho bonke ukuba ulahle imali yokuthatha umhlalaphantsi, kwaye ngaphantsi kwenyanga, umntu unokugqithisa uvavanyo kwaye athengise i-annuity annuity. Kutheni i-shishini lenkxaso engacingi ukuba le ngxaki ingenakwenzeka. Lo ufune ukuvavanywa ngumqobo ophantsi kakhulu kwi-qualification pointpoint, kwaye iimfuno eziqhubekayo zemfundo ezibekwe ngabaphathi zixhamla kakuhle.
Kukho ngoku ngamakhulu amabini abantu abanelayisenisi abakwazi ukuthengisa i-annuities e-United States ngokusemthethweni. Oku kuchaza kakhulu, akunjalo? Yisizathu sokuba unganakalisa ukuhlaziywa kweevenkile zentengiso, izibhengezo ezimbi zokutya kweenkukhu, kunye nombhanki wakho wasekhaya uzama ukuhambisa imali yakho ye-CD kwi-annuity annuity.
Amanqaku ahlukeneyo
Ukuhlawula okungafaniyo akukona umkhiqizo ogqityiweyo naluphi na ulwahlulo lwengcamango, kodwa inkqubo yelayisenisi iyanzima ngokuphindaphindiweyo kunama-annuity counterparts. Ukuhlawula okungafaniyo kubalwa njengokhuseleko, ngoko ke ukuzithengisa kwi-arhente kuya kufuneka kudlule i-Series 7 (uwonke-mvume wokugcina) okanye uvavanyo lweShedyuli 63 noChungechunge 6 ukwenzela ukuthengisa iimali kunye kunye nezibonelelo eziguquguqukayo.
Ezi mvavanyo azilula (azifanelekanga), kwaye iimfuno zemfundo eziqhubekayo zinzima.
Ingcebiso yam kukuba kubuze i-agent edayisayo ngemvelaphi yabo yemali kwaye wenze uphando lwakho kwi-intanethi malunga neziqinisekiso zabo. Ukuqeshiswa akusoloko kulingana nobuchule, kodwa kukulinganisa kakuhle ubuncinane isiseko semali esisiseko esisisiseko solwazi. Abameli be-Annuity (ikakhulukazi i-indexed annuity "iingcali") ziyafana nokufana nabantu abanelayisenisi yabo yokuhlala. Ziyi-daime ezili-12, kwaye abaninzi abafanelekanga ukucebisa abanye ngomhlalaphantsi wabo. Qaphela apho, kwaye qinisekisa ukuba uthethathethathethathethwano nabacebisi abaninzi kunye nee-egosa ukuba ufumane ukufaneleka okufanelekileyo kubuntu bakho kunye nemeko yezemali.