Izihlomelo ziyakwazi ukulandeleka emva kwamaxesha aseRoma xa amajoni kunye neentsapho zabo zithembiswa iintlawulo zemali zempesheni yazo kunye neentsapho zabo. Izihlomelo zazibekwe ngokutsha kwilizwe ukuze zifumane ingeniso, kwaye le nto yayikuphela kokusetyenziswa komkhi de de 1952 xa i-annuity yokuqala ye-variable yenziwe. Emva koko ngo-1995, i-annuity yokuqala ye-indexedity yenziwa.
Ekupheleni kosuku, i-annuities isetyenziswe ngokusisiseko njengesisombululo sengeniso, kunye neempesheni eziyimveliso kuphela yokuqinisekisa ingeniso kungakhathaliseki ukuba uhlala ixesha elingakanani.
Iintlobo ezimbini zeeNkcazo zeMveliso eziPhambili
Ingeniso kamva, okanye iMali yeNgeniso yeThagethi, inokuhanjiswa ngama- annuity annuities (aka: Amanxeba angenisiweyo, okanye ii-DIA) kunye neRipers Riding ezixhomekeke kuminyaka ehlawulwayo njengemali eguquguqukayo okanye ekhokhelwe.
Ukunyanzeliswa yiNqobo yeyona nto
Iinqwelo zabaRhubi ziguquguquka ngakumbi kuneziNxeba zeLonge. Oku kuthetha ukuba unokuqalisa umrhumo wakho wokufumana imali ngaphambi okanye emva kwexesha elicwangcisiweyo ngokuCwangciswa kwabaNcedisi, kodwa ukuguquguquka kwempahla kuza nomrhumo wonyaka wokuphila komgaqo-nkqubo.
Iimali ezininzi zeemali zinyanzeliso zigqithiseleyo kumbono wesikontrakthi. Akunayo nayiphi imirhumo kunye neentlawulo zingaba ziphakamileyo kunamaRandi aNgeniso, ngenxa yokulula nokungenazo izinto ezihambayo. Ukongezelela, i-Annuities i-Long Rities ikuvumela ukuba unamathele i-COLA (iindleko zokuLungiswa koBomi), okwenyuka ngonyaka kwindlela yomgaqo-nkqubo.
Kuzo zonke iingeniso kamva okanye i-target proposal, ndihlala ndibonisa izicwangciso zombini, ukwenzela ukuba kuthelekiswe okwenene. Akukho nto ingcono kunomnye, kwaye konke kuya kweemeko ezithile kunye neenjongo ezichanekileyo ezifunekayo.
Iimali eziMinyaka eziNinzi zivumelekile kwi-401ks & IRAs
NgoJulayi ka-2014, iSebe leNondyebo ngokubambisana ne-IRS yavunywa ukusebenzisa i-Long-Annuities (aka: i-Annuities Annuities, i-DIAs) e-401ks kunye nee-IRA.
Le nto inkulu kakhulu kwaye i-pro-abathengi kakhulu ukuba ndiyatshutshiswa yenziwe ngokuqinisekileyo.
Imithetho ekhoyo ekhoyo ivumela iKontrakthi ye-Annuity ye-Long Rity, okanye i-QLAC , ixabiso le-25% ye-401k yakho okanye ibhalansi ye-IRA okanye i-125,000 eyi-$ 000, nokuba yeyiphi na encinane. Ukunyuswa kweminyaka emininzi kukuvumela ukuba ulandele imfutshane njengeminyaka emi-2, okanye iminyaka engama-45. Leli lixesha elixabisekileyo nelisetyenziswayo kubasebenzi abancinci abanama-401k endaweni, kunye nethuba labo baceba ukufumana ingeniso kwithuba elizayo.
Iingxowa-mali zingakhankanywa ukuba zibonelele ngeNzuzo yeNkamva
Ingeniso kamva okanye ithagethi yocwangciso lokufumana ingeniso ayifuni ukusebenzisa usuku olulodwa nje kwixesha elizayo ukuze kuqalwe umvuzo. Uninzi lwabantu luyaqhelanisa nezicwangciso zokumakisha ngokusebenzisa izibophelelo okanye iiCD, kodwa isicwangciso esifanayo sisinokusetyenziswa kunye nenkcitho yengeniso. Izicwangciso zokunyuka kwamanqanaba zingabonakaliswa ukuze zilungele imeko ezithile kunye neemfuno zengeniso.
Xa uthatha ingeniso kwi-annuity, inkokhelo eqinisekisiwe yintlawulo ngokuyinhloko ibonakaliso lobomi bakho (okanye ubomi, ukuba ubanjwe kunye kunye neqabane lakho) ngexesha uvula umrhumo wokufumana imali.
Unokutshintshisa Ubungozi bakho obuMdaka kuMninimzi onguNyaka
Kunengqiqo yokuba omdala ukhona xa uvula iintlawulo, ephakamileyo umvuzo.
Ukulinda kwakho kwexesha lokuphila kunciphisa umnyaka, kwaye iintlawulo zemali zibalwa ngokusebenzisa ixesha lokuphila kwakho. Ngokwenene, ubeka ibhetri kunye nenkampani yenkampani oza kuphila ixesha elide kunokuba bacinga ukuba uya kuhlala. Ukuba uhlala ngaphaya kwexesha lokuhlala kwexesha lokuphila, ikhampani yenkampani yesikhokelo isentengiselwano sokukuhlawula xa usaphila. Lelo lixabiso eliphambili lexabiso lokufumana imali yengeniso. Ugqithisa umngcipheko wokukhupha imali yakho kwiphathi-mboleko yempesheni enobungozi obuhlala ixesha elide kunokuba kulindelwe.
Izihlomelo kufuneka zibekwe kwizinto eziza kwenza, kungekhona into enokuyenza
Ngokucwangciswa kwexesha elizayo, ungayazi kwi penny oko kuza kuhlawulwa iintlawulo ngosuku olufunwayo. Kuphela i-annuities inokunika olu hlobo lokucwangciswa kwekhonkrithi, kunye nesizathu sokuba kutheni umntu aqwalasele ukuba unako ukudibanisa le meko yeendlela zokutshintshwa kweengozi zokusombulula nayiphi na imfuno yengeniso.