Ngaba kufuneka uhlawule? Ixesha lokuphila kunye nezinye iindlela
Ukuba i -annuity yakho iyimali ehlawulwayo ngokukhawuleza , uhlawulela ngokuyinhloko ukususela ekuqaleni.
Yintoni Eyenzekayo Xa Uhlawula?
Xa uhlawula, utshela inkampani yomshuwalense ukuba iqale ukuhlawula, ngokuqhelekileyo ngokugcwalisa ifom. Xa unikezela le miyalelo, kuya kufuneka unqume ngokuthe ngqo ukuba iintlawulo kufuneka zenziwe njani. Ngokomzekelo, unakho ukhetho lokukhetha kwiinkqubo eziliqela, kwaye kufuneka ufunde iikontraki zakho zemali ngokukhawuleza ukuze ubone ukuba yiyiphi enye into efanelekileyo kuwe.
Iintlawulo zexesha lokuphila: Inketho elula yokuchithwa kwemali yintlawulo yokuphila. Ngolu khetho, inkampani ye-inshurensi iyaqhubeka ihlawula ixesha elide uhlala kuyo (ngezobuchwepheshe zihlala zide zide zitshone umntu ochithayo - umtshintshi unokuba ngumntu ofanayo nomnini-mali , kodwa akunjalo ngaso sonke isikhathi). Oko kwenzeka unyaka omnye emva kokuhlawulelwa, okanye kwiminyaka emininzi kamva. Ngokuqhelekileyo, ixesha elide lokuphila ubomi, kulunge le khetho isebenza. Ukuba umxhasi uyafa kungekudala emva kokunciphisa imali, ayikho imali yokubuyisela inqununu yakho phantsi kokukhethwa kwintlawulo yokuphila ngokusisiseko.
Ubomi kunye nexesha elithile: Ukulinda ingozi yokulahlekelwa yonke imali yakho xa umntu efa kusasa usebenzisa inketho yokuhlawula ubomi, unokongeza "ixesha elithile." Ngolu khetho, inkampani ye-inshorensi iya kwenza iintlawulo malunga nobomi bomntu ochasayo okanye ixesha elikhethayo - nokuba liphi ixesha elide.
Umzekelo, ungasebenzisa ixesha elithile elineshumi elithile. Kwimeko enjalo, iintlawulo ziya kuqhubeka iminyaka engama-10 kungakhathaliseki ukuba umntu ochithayo uyafa (kunye neentlawulo ziya kuqhubeka ngokuqhubekayo, nokuba loo nto ide ngaphezu kweminyaka eyi-10). Ngenxa yokuba unciphisa umngcipheko wokufa kwangaphambili, iintlawulo zakho zenyanga (okanye zonyaka) ziya kuba zincinci xa usebenzisa ixesha elithile xa kuthelekiswa nokuhlawulwa kwexesha lokuphila.
Abasindileyo kunye nabokugqibela: Abanye abanini-mali banokufuna ukubonelela ngemali engenayo kuphela, kodwa nakwabanye abantu (njengomlingane). Inketho yokuhlawula kunye kunye yokugqibela yokuhlawula iya kunika ingeniso xa nje umntu okhethayo ehlala ephila. Kwakhona, oku kubangela intlawulo ephantsi kuneentlawulo eziqhelekileyo zokuphila, kuba abantu ababini, kunokwenzeka ukuba omnye wabo uya kuhlala iminyaka emininzi.
Ixesha elithile: Akunakufuneka ukuba usebenzise ixesha lobomi bomntu xa uphawula. Ukuba ufuna ukufumana inzuzo ethile kwinani elithile leminyaka (kude kubekho ukukhuselwa kwezeNtlalo okanye iintlawulo zempesheni ekukhawuleni kuyo, umzekelo), unokuyalela inkampani yomshuwalense ukuba ikuhlawule ngenani leminyaka . Kakade, ixesha elifutshane liphumela kwiintlawulo ezinkulu.
Ezinye iinketho: Abatshutshisi abahlukeneyo banikela ngeendlela ezahlukeneyo. Thetha kunye ne-arhente yakho okanye ummeli wenkonzo yamakhasimende kwinkampani yakho ye-inshorensi ukufumana malunga nayiphi na enye inketho.
Yiyiphi indlela efanelekileyo? Kuxhomekeke kwinto ozama ukuyifeza. Umzekelo, ukuba uzinakekela kuphela (kwaye nawaphi na abanye abaxhomekeke kuye abazithembeli kwiimpahla kwi-annuity yakho), ukuxhaswa kunye nenkokhelo yokuhlawula iyakwenza inkokhelo enkulu. Nangona kunjalo, kufuneka uhlale ucinga ukuba kuya kwenzeka ntoni ukuba wena (okanye umxhasi, ukuba umntu othile) afe. Abanye baya kuthinteka njani ngemali? Ngaba ufuna ukuba abaxhamli bafumane nantoni na kwi-annuity emva kokufa kwakho?
Ukuhlengahlengisa ngokuqhelekileyo isigqibo esingenakutshintsho - xa usenza ukhetho, kunzima okanye akunakwenzeka ukubuyela. Inkampani yomshuwalense ithatha amanyathelo okulawula umngcipheko kwaye igcine isiphelo sayo, kwaye kunzima ukuphazamisa ukuthengisana okunzima okwenza oku kwenzeke.
Ngaba kufuneka uhlawule?
Khumbula ukuba ukuhlawula i-annuitizing kuyinto nje. Uninzi lwabanamalungelo abakhokhelwayo aluzange lwenze. Kunoko, abantu bavame ukusebenzisa i-annuity kwithuba elithile baze bathathe imali kwenye indawo (mhlawumbi bangena imali, okanye benze nje ukukhishwa kwe-sum-sum if i imfuneko). Isizathu esibalulekileyo sokunyusa i-annuitize kukufumana isiqinisekiso (kwenkampani yomshuwalense - akukho mgaqo- karhulumente ) kwisakhiwo esithile sokuhlawula.
Ulwazi olubalulekileyo
Olu lwazi luqhelekileyo kwindalo, kwaye alukwazi kuthathwa njengengcebiso ngezezimali. Thetha kunye ne-inshurensi yakho ukuqonda iinkcukacha zesivumelwano sakho , njengoko imigomo ingahluka. Thetha nomcwangcisi wezemali wendawo kunye negosa yomshuwalense ngokufanelekileyo ngokusemthethweni kwi-state yakho ukuba uxoxe ngeemeko zakho zemali ngokubanzi phambi kokuba wenze izigqibo.