IziThuthi eziTshintshekileyo kunye neeNkcazo zimelela iMali yeThengiso lweMali
Ezi zibalo eziqinisekileyo ezahlukileyo zixazulula izinto ezinjengeengeniso ebomini, ukugcinwa kwenkxalabo yokugcinwa kwinkampani, okanye inzuzo yokufa ngokuqinisekileyo. Nangona iimeko eziyinkimbinkimbi zemveliso, ukuthandwa kwabo akumangalisi. Ngubani ongathandi ukhetho lokukhula? Ngubani ongathandi ukhetho olongezelelweyo? Khawukhumbule nje iinkcukacha kunye neendleko ezihambelanayo zipapashwe kakuhle nokuba i-annuity iza ne prospectus okanye ayikho, ngoko funda ukushicilelwa okulungileyo.
Iimali ezihlukileyo ziza ngeProspectus
Isizathu sokuba ama-annuities atshintshayo afike nge-prospectus kunye ne-annuity indexed not because the annuities variants are considered a security. Ukuhlawulwa kweentlobo ezibonakalayo kuthathwa njengemveliso yokhuseleko ngenxa yecala lotyalo-mali lolu hlobo lomgaqo-nkqubo lunikeza ukhetho lwamaqela okuxhasa ukukhula. Imveliso yenkxaso yemali iyabiza le "akhawunti ehlukeneyo", kodwa ngokwenene, isebenza njengemali yokubambisana. Iimali zokubambisana ngokuqinisekileyo zithathwa njengokhuseleko, ngoko ukulungiswa kwemali eguquguqukayo yinto elula ukwenza.
Izihlomelo ezikhompyutheni azikho iprospectus kuba azicingwa njengezokhuseleko
Iimali zokuhlawula i-indexed are not considered security, kodwa kunoko zihlulwe ngokwahlukileyo njengemveliso yomshuwalense wobomi. Kwiminyaka edluleyo, kwakukho ingxabano ekhutshwe nge-indeuities njengento yokhuseleko kwaye kufuneka iphathwe njenjalo. Kwakukho ukulwa kwamashishini phakathi kwe-inshorensi yomhlaba kunye nehlabathi elikhuselekileyo kulolu hlobo.
Kwakuyimfazwe yamagazi, kodwa ekugqibeleni, ukuhlawulwa kwemali ehlawulweyo kwakungabonwa ngokusemthethweni njengokhuseleko. Icala langoku liyaziwa ngokuba yi "Ruling 151", kwaye kusekho amanxeba aphantsi kumacala omabini ukusuka kumlo. Ndiyaxela ukuba ingxabano enoba i-annuity annuity yokhuseleko iya kuphakamisa ikhanda layo kwakhona kwikamva elikufutshane ngenxa yendlela yokuthengisa engalawulwayo kwaye ikhululekile kuyo yonke indawo ejikeleze umkhiqizo.
Ulawulo lwe-151 Uzimisele ukuba i-Indexed Annuities ayikho iMveliso yoKhuseleko - Okwangoku
Kwixesha elidlulileyo, ukuhlawulwa kwee-indexedities ezibizwa ngokuba yi-indeity annuities annuities. Emva kokuba "u-151 alwa" Ndicinga ukuba isigqibo senziwe ukuba sitshitshise ngokusemthethweni igama "ubulungisa." Ubulungisa okanye ukulingana ngenye indlela yokubhekisela kwiimpahla, kwaye oku mhlawumbi esinye isizathu sokuba kukho ishishini lokunyusa ukuba lingalisebenzisi ukulingana igama kwakhona. Ukuba utyunjwa njengolukhuseleko luye lwafika, amaninzi amaninzi eentengiso kufuneka athathe uvavanyo olunzulu lokufumana ilayisensi yemvume yokubathengisa.
Iimali ezixhaswe nge-Indexed Are Not Securities, kodwa Nika I-Option Call kunye neNzuzo ekhoyo
Iimali ezixhaswe nge-indexed real fall under the category annuity category. IShishini liyakuthanda ukubiza le siqalo inkcazo yenkcazo ehleliweyo.
Ngenxa yokuba i-annuity indexed is annuities annuities, le mveliso inikeza ukhuseleko olupheleleyo oluvela kuyo nayiphi na inguqu ephazamisayo kwimarike. Ulungelelwaniso oluxhasayo luqhotyoshelwe kwindlela yokufowunelwa kwifowuni efana ne-S & P 500. Nayiphi na inzuzo ekukhethweni, okuqhelekileyo ngonyaka owodwa ubude, inikwe ingxelo kwi-akhawunti yakho yonyaka. Oko kuzuza kunqunywe ngumphathiswa, kwaye nayiphi na inzuzo ivaliwe ngosuku olulodwa kuphela ngonyaka. Umgca wokugqibela kukuba iikhokheji ezixhaswe ngekhowudi zenziwe ngo-1995 ukukhuphisana neentlawulo ze-CD. Azinjalo iimveliso zorhwebo, nangona kunjalo ke iinjenisi ezininzi zizithengisa.
Iimvume zokuthengisa iimpahla zokuthengisa ii-Annuities eziguquguqukayo zininzi kunzima kunokuba zihlawulelwe ngee-indexedities
Inyaniso yokuba i-annuity eguquguqukayo yokhuseleko kwaye ithengiswa yi-prospectus idinga ukuba i-arhente yokuthengisa inomgangatho ophezulu welayisenisi kunomntu othengisa i-annuity annuity.
Enye yeengxoxo eziphambili ngokuphathelele abantu abazithengisa kuphela imali ehlawulweyo. Iimvume zokufumana ilayisenisi kuphela yilayisensi yomshuwalense we-inshorensi yombuso, ongekho nzima ukuyifumana kwaye ayiyilo mngeni kumbono wengqondo. Ukuthengisa i-annuity eguquguqukayo, kufuneka uphumelele iimvavanyo ezinzima, kwaye iimfuno eziqhubekayo zemfundo azifani naxa zifaniswa neemfuno zelayisense zonyaka.
Ngoko ngoku, ukutshintshwa kwimihla eguquguqukayo kuthengiswa nge-prospectus kunye ne-annuity indexedities ayikho, kodwa loo nto ingatshintsha kwikamva elizayo.