Ngaba i-Annuity Fixed yenza iCollege Investment Investment?

ImiSebenzi kunye neMithetho yokuSebenzisa iNgxowa-mali eHloniphekileyo yokuGcina iKholeji

Kubazali abaninzi, i-akhawunti yekholeji yengane yindawo yokugqibela abafuna ukuthatha ingozi enkulu kwimarike yemasheya. Oku kuphazamiseka komngcipheko kubonakala ngakumbi xa kukho iminyaka embalwa nje isala kude kube yimali edityanisiweyo. Into yokugqibela umntu ofuna ukuba axelele umntwana wakhe, kukuba abanako ukuya esikolweni amaphupha abo ngenxa yokuba umama okanye utata athathe imali engafanelekanga!

Oku kukushiya abazali abaninzi bekulwela isivuno somncintiswano kwiingxowa-mali ezifumanekileyo ezifana neCD, amabhondi, kunye ne-akhawunti yemarike yemali kwiminyaka yokugqibela phambi kwekholeji. Ngoko ngokwemvelo, xa umntu edilini le-cocktail eqala ukuthetha ngesantya somdla esithakazelisayo abafumana kwi-annuity yerhafu ehlawulwe irhafu, iindlebe zifanele zenzeke.

Kodwa into enjalo kukuba, i-annuity eqingqiweyo nayo yonke imigaqo yayo ayilungele wonke umntu. Ngaphambi kokuba ufumane imali kwiakhawunti yakho yeCandelo 529 kwaye uthenge i-annuity engagqibekanga, nantsi iindidi ezibalulekileyo ekufuneka uziqwalasele:

Imirhumo kunye neenjongo ze-IRS kwi-Annuality Fixed:

Ukuba uneminyaka engaphantsi kwe-59 / 1/2 xa uhoxisa imali kwi-annuity ehleliweyo, zonke iintlawulo ziya kuhlawuliswa njengemali engenayo kwaye ziphantsi kwesigwebo esongezelelweyo se-10%. Ukuba uneminyaka yobudala engama-59 / 1/2, akukho-ntlawulo ye-retrait ye-10% yangaphambili, kodwa ingeniso isaphantsi kwerhafu yengeniso evamile.

Oku kuthetha ukuba, kwimeko enzima kakhulu, ngaphezu kwe-40% yemvuzo wakho uza kubuya kuMalume Sam.

Oku kunokwenza ukuba amazinga amanqanaba aphezulu kwiimali ezinqabileyo zikhangeleke kakhulu.

Ukuhlawulwa kweeNkcitho eziKhuselekileyo:

Phantse yonke i-annuity annuality market inokuhlawulwa kwentlawulo esetyenziselwa nawaphi na ukurhoxiswa kuthathwe ngaphambi kokuphela kwexesha lesivumelwano. Oku kunika imali ngokukhawuleza kuqala malunga no-5% kwaye kunciphisa unyaka ngamnye njengeminyaka edlulileyo. Kwakhona, ukusabalalisa ukuba ukunikezelwa kwentlawulo kwiminyaka embalwa nje yokufumana inzuzo kunokukwenza ukuba umonakalo omkhulu wonyaka ongenakuncitshiswa.

Khu seleko lweNgcaciso:

Nangona i-annuity echanekileyo esetyenziselwa ukuthwala i-aura ethile yezokhuseleko, eye yaphela yanyamalala kumaxesha adlulileyo, ngenxa yamashishini amaninzi e-inshorensi aya kuphazamiseka okanye ahlawulwe nguRhulumente. Ekugqibeleni, i-annuity echanekileyo yinto enhle njengenkampani yomshuwalense eyayikwenzayo. Ukuba loo nkampani yomshuwalense ihamba phantsi, i-annuity yakho echanekileyo inokuhamba kakuhle nayo.

Ngaba Ngaba Umzali Ufanele Asebenzise Uncedo Oluhle?

Ngoxa i-annuity ehleliweyo ayiyi kuba yinyaniso ekhethekileyo kubazali abaninzi, kukho ipesenti yabemi abanokufuna ukuyijonga okwesibini. Leli qela liza kubandakanya abazali okanye ootatomkhulu abaza kuba ngaphezu kweminyaka engama-59 / 1/2 ngelixa abantwana babo bekholeji kunye nabo balindele ukuba babekhokhwa yerhafu ephantsi kwikholeji. Kule meko, umvuzo osemva kwentlawulo kwi-annuity engaguqukiyo inganciphisa i-down (kodwa ingenakho ukuhlawulwa irhafu) kwimali engenisiweyo yokufumana imali ekhoyo kwi- akhawunti yeCandelo 529 okanye i- Coverdell ESA .