Ukuthenga iimali zokufumana iziqinisekiso zabo, kungekhona njengotyalo-mali.
Unokuthenga i- annualities for security, ukukhula kwexesha elide, okanye ngenzuzo. Ngokomzekelo, i-annuity engaguqukiyo ingenza enye indlela ekhangayo kwi-CD, i-annuity eguquguqukayo ingathengwa ukukhula kwexesha elide, ukunyuswa kweerhafu , kunye ne-annuity ethe xa kuthengwa ngenjongo yengeniso. Kwimeko nganye yezi ziko, inkampani yomshuwalense ekhupha i-annuity iqinisekisa inxalenye yesiphumo.
Kwiimeko ezininzi, baqinisekisa inani lemali engenayo ongayithatha kwi-annuity kwixesha elizayo.
Indlela yonyani yonyani yokwenza ukuba unyaka- mali utyalo-mali olufanelekileyo kuwe ukuba ube nesicwangciso. Isicwangciso sakho kufuneka sichaze ukuba zeziphi iinjongo zakho zophuhliso kwaye zibonisa indlela yokwenza ukhetho olukunceda ufezekise ezo njongo. Ukuba ufuna ukufaka ingqalelo kwinxalenye yesiphumo, i-annuity ingaba yinto efanelekileyo.
Xa i-Annuity Is Investment Good
Okokuqala kwaye ngokugqithiseleyo umvuzo uyimveliso yomshuwalense, oku kuthetha ukuba uyithenga ukunciphisa umngcipheko. Ezinye i-annuity, njengemali eguquguqukayo, inokukhetha ukhetho lwezitshixo kunye nezibophelelo ezinokufumaneka njengentetho yokutyalombela ngaphakathi kwintrakthi ye-inshurensi; Ezinye i-annuity iyinishurensi yangempela kungekho nxalenye yokutyalomali.
Ekuqwalaseleni oku, kukho enye into eyenziwayo ngokufanelekileyo, oko kukunika umgca wokujongana nomngcipheko wexesha elide (ingozi yokuhlala ixesha elide kunokuba wacinga ukuba uya kuthi), kwaye ukuba uthengela ngenxa yesizathu, unyaka utyalo oluhle.
Umvuzo unokuba ngumntu onokuzikhethela utyalo-mali xa uyazi iinjongo zakho zokuthatha umhlalaphantsi , unokubona ukuba imali leyo inceda njani ukufezekisa loo njongo kwaye ukuba uyayiqonda yonke imirhumo kunye nemingcipheko yomkhiqizo ongenayo. Kufuneka uqonde ukuba ingeniso yemali ehlawulwayo ingeniswa njani xa ingeniso iqala, yiziphi iindlela zokutsalwa kweentengo ezikhoyo, kunye nendlela uhlawulelo oluzalisa ngayo olunye utyalo-mali.
Xa i-Annuity ayikho i-Investment Good
Ukuba umntu uzama ukuthengisa imali ngaphandle kokujonga umfanekiso wakho wezezimali, qaphela. Abantu abaninzi abathengisa i-annuities bathetha kakuhle, kodwa bangenakho ukuqonda ngokucacileyo imveliso abayithengisayo, kaninzi abanakho ukuqonda kakuhle kwiimpembelelo zerhafu, kwaye ukuba abazange benze naluphi na ucwangciso, Khawubone ukuba loo mveliso iya kufumana njani umfanekiso wakho womhlalaphantsi.
Ngokukodwa, ndivile abantu abathengisayo bathi "Ziyintoni imirhumo xa ithetha oko ufunayo?" Andivumelani nale nto. Imirhumo ephezulu iyanciphisa ukubuyela kwakho. Imirhumo ephakamileyo kwimveliso ethile yeentengo eziguquguqukayo kuthetha ukuba nakweyiphi na ngaphandle kweemarike ezifanelekileyo, utyalo-mali lwenkcazo yakho iya kufumana imali ephantsi.
Musa ukuthenga i-annuity ngaphandle kokuba wenze isicwangciso kwaye uqonde indlela i-annuity ingena ngayo. Iimali ezihlawulekayo azihambelanga, ngoko akufanele kubekho uxinzelelo okanye ukungazimeli ukuthenga uze wenze umsebenzi wesikolo. Abanye abameli bezentengiso baya kukuxelela ukuba umkhiqizo wempesheni uza kufumaneka nje ngexesha elifutshane. Kukho njalo, njengokuba iinkampani zomshuwalense ziya kuphelisa iimveliso ngezikhathi ezithile, kodwa ukuba zingakhathazeki, umveliso ofanayo onamacandelo afana nawo uya kuvela ngokukhawuleza endaweni yokudala.
Zonke izihlomelo azifanga
Kukho iintlobo ezahlukeneyo zokuhlawula , kwaye ngamnye unesiqhelo kunye neengxaki. Emva kokuba uqonde iindidi ezahlukeneyo zonyaka, uya kukwazi ukuba yiyiphi imibuzo ekumele uyibuze malunga nenkxaso ethile enokuyiqwalasela.
Thelekisa ama-annuities athengiswayo kumsebenzi ongenamthwalo ngaphambi kokuba uthenge. I-annuity edayiswayo yomthengisi ithengiswa ngumntu ophethe ilayisenisi ye-inshurensi kwaye kungenzeka ukuba nelayisenisi ye-securities nayo. Awuwathengi umrhumo ongekho mthwalo, kwaye unemali ephantsi, kodwa kufuneka wenze umsebenzi wakho wesikolo kunye nophando; leyo yintengiso-mali yokuhlawula imali ephantsi. Abanye abacebisi ngezezimali-kuphela bazakunceda ukuba ukhethe umvuzo ongekho mthwalo xa uhambelana nesicwangciso sakho.
Yenza umsebenzi wesikolo uze ufunde ngezinye iindlela zokwenza imali ngaphambi kokuba wenze isigqibo sokugqibela. Ufuna kwakhona ukuziva ukhululekile ukubuza malunga neerhafu zemali.
Nawuphi na umcebisi ohloniphekileyo okanye inkampani kufuneka achaze zonke iindleko kuwe ngaphambi kokuba uthenge. Ukuba umntu akafuni ukuthatha ixesha ukuchazela iirhafu kwimveliso yakhe okanye ukuchazela indlela abahlawulwa ngayo ngokuthengiswa kwaloo mveliso, ke ungathengi kubo.
Ngaphantsi: Unyaka ungabakho utyalo-mali oluhle ukuba luyinxalenye yesicwangciso-mali sokuthatha umhlala-phantsi oqulunqwe kakuhle kwaye uyaqonda ukuba yenzani kuwe nokuba kutheni uyithenga.