Izibonelelo ziza kwiintlobo ezininzi. Nantsi into oyifunayo ngaphambi kokuba uthenge
Ngaphambi kokuba uthenge i-annuity kufuneka ukwazi ukuba kutheni uyithengayo, kunye noko ukulindele ukuba kukwenze kuwe. Sebenza ngokusebenzisa le mibuzo emihlanu engezantsi ukuze uqiniseke ukuba i-annuity oyithengayo ilungile kuwe.
1. Yiluphi uhlobo lwe-Annuity oyithengayo?
Zininzi iintlobo zonyaka.
Iintlobo eziqhelekileyo zihlawulwa ngokukhawuleza, ukuhlawulwa kwemali, kunye nokunyuswa kwamaxesha atshintshayo. Kukho izibonelelo ezixhaswe kunye neentlawulo ezilandelwayo. Nganye isebenza ngokuhlukileyo.
Ngomhla osondeleyo , uthengisa isamba semali kwisondlo esiqinisekileyo semali engenayo. Ukuhlawula ngokukhawuleza kunokubonelela ngemali engqalileyo okanye echaseneyo yemali engenayo, kuxhomekeke kuhlobo oluthile lokuthenga imali. Abantu abathengayo i-annuities ngokukhawuleza bafuna ingeniso eqinisekisiwe kwaye bafuna ukuqinisekiswa kokwazi imali engenayo kuya kuqhubeka ngexesha lokuphila kwabo . Baqonda ukuba abayibe besenako ukufikelela kwinqununu yabo.
Ngemali echasiweyo , ubeka imali yakho kwinkampani yomshuwalense kwaye uvumele ukuba ikhule ityala-echazwe yerhafu kuze kube yiminyaka ethile okanye umhla ochazwe kwisivumelwano sakho. Iimali ezikhethiweyo ezikhethiweyo zingaba zilungiswe okanye ziguquke. I-annuity echanekileyo echanekileyo inikezela ireyiti ebuyisiweyo yokubuyisela eqinisekisiwe yinkampani yinshuwalense.
I-annuity eguquguqukayo echasayo ikuvumela ukuba utyalole imali yakho kwipotifoliyo ye-stock and bond sub-accounts.
Abantu abathengisa i- annuity eguquguqukayo bafuna ukunyuswa kweerhafu kwaye kaninzi babe "indlela yokuqinisekisa" imali yabo yokufumana umhlala-phantsi. Iingeniso ezinokuba zikhethiweyo zibe yi-variable annuity ziyinkimbinkimbi, kwaye ngelishwa, abantu abaninzi abazithengayo abaqondi into abayithengayo.
Ngokuqhelekileyo ukufakela irhafu kwi-variable annuity akuyona inzuzo njengoko kunokubonakala ngathi, kwaye ukuba awuyinyameki unokuthi uxoxwe kwiintshukumo eziguquguqukayo kunye nemirhumo ephakamileyo.
Emva koko kukho ukulingana kwemali yokulingana, efana nomvuzo ongenamanani kunye nenani eliqinisekileyo, kodwa unako ukufumana umdla owongezelelweyo kuxhomekeke kwintengiso yemasheya. Abantu abathengisa ukulingana kwenkcazo yemali bafuna ukufumana utyalo-mali olukhuselekileyo oluvumela ukuba bahlawule irhafu yengeniso kwimali abayifumanayo.
2. Kutheni Uthenga i-Annuity?
Ngaphambi kokuba uthenge i-annuity zibuze, "Kutheni ndizithenga le nto?" Ngaba kuba sisisombululo sokuqala umntu asinikele kuso? Ukuba kunjalo, phindela emuva wenze olunye uphando.
Ukuba uthengela i-annuity ngenxa yokuba ukhangele iindlela ezininzi zokutsalwa kwezimali, kwaye ukhethe i-annuity njengenxalenye yesicwangciso sakho sotyalo-mali ngokubanzi ukuxhasa olunye utyalo-mali, ngoko uhamba ngendlela efanelekileyo.
Kukho enye into eyenziwa ngumvuzo owenza ngokugqithiseleyo : inika umgca omkhulu wokuhlala. Oku kuthetha ukuba igcina ubuncinane ubunqanaba lemali engenayo ongayi kuyenza. Ukunikezela isabelo semali yakho kwindlela ekhethekileyo eya kunika ingeniso ebomini ingenza ingqiqo.
Ngelishwa, abantu abaninzi benza utyalo-mali, njengokuthengwa kwemali, ngaphandle kokuthatha kuqala ixesha lokudala isicwangciso -mali sokuhlala ixesha elide .
Isicwangciso sotyalo-mali sinceda ukuba ubone ukuba imali yakho iya kukwenzela ntoni. Njengengcaciso yomsebenzi, xa uyazi ukuba yimali imfuneko yokwenza ntoni, kulula ukukhetha ukhetho olufanelekileyo ukufeza loo msebenzi.
Ungavumeli umntu ukuba akuxelele i-annuity inokufeza zonke iinjongo zakho. Ayikwazi. Yonke inketho yokutshala imali i-trade-offs.
3. Ziziphi iiNtlawulo kwi-Annuity?
Uhlobo ngalunye lwe-annuity luneendlela ezahlukeneyo zokuhlawula iirhafu.
Ngomnyaka oguquguqukayo, zonke iifizi zichazwe kwi-prospectus. Nangona zichazwe, kunokuba nzima ukufumana zonke iindleko kunye nendlela ezifaka ngayo. Uninzi lweemali eziguquguqukayo zineemali zonyaka zingaphaya kwama-3% ngonyaka .
Ngemali ephezulu yonyaka, utyalo-mali lwakho kufuneka uhlawule imali phambi kokuba wenze imali. Oku kulungile kuba i-annuity yinshuwalense. Akufanele uyithenge ngokulindela ukubuya okukhulu. Uyithenga ngokulindela ukuba iya kunika iqondo elincinci leholo eliqinisekileyo lakho kwikamva lakho.
Ngemali echanekileyo kunye nekhawulezileyo, inkampani yomshuwalense ikunika inkcazo engenayo yonke imirhumo. Oku kusebenza ngokufana ne-CD okanye i-akhawunti yokulondoloza. Ufumana umyinge wenzala enikezelwa oko kuthetha ukuba inkampani yomshuwalense iye yenzeke kwiindleko zabo ngaphambi kokuba zifumane inzuzo enokukunika yona.
4. Uhlawulelo luya kuthatyathwa njani?
Imirhumo kufuneka ithathelwe ingqalelo njengenxalenye yenkqubo yokwenza izigqibo. Uninzi lwezihlandlo zokurhoxiswa kweerhafu zisetyenzisiweyo njengendawo yokuthengisa yemali eguquguqukayo, kodwa ngaphandle kokuba unesibhakabhaka esiphezulu kakhulu, kwaye ube nexesha elide ngaphambi kokuba ufune inzuzo, akunakwenzeka ukuba inzuzo enkulu kuwe.
Nanku ukujonga ngokukhawuleza kwendlela iintlobo ezahlukeneyo zenyanga zihlawulwa ngayo.
Xa uthengisa i-annuity echasiweyo, ingaba ichanekileyo okanye iyatshintsha, inani olityalomaliyo liyinkcitho yakho. Ukususela kuloo ngongoma, nayiphi na inzuzo yokutshala imali (okanye ilahleko) irhafu ichithwe. Oku kuthetha ukuba awuyi kufumana ifom ye-1099, ukunika ingxelo ngenani lemali, izabelo okanye uzuzo lotyalo-mali oluthatywayo ngonyaka. Ezi ntlawulo zichazwe zonke. Noko ke, irhafu ayifakwanga, kodwa ayikho into efanayo neentlawulo zentela.
Ngelo xesha njengoko uthabatha ukuhoxiswa kwi-annuity, ufumana ifom ye-1099 ebika ingxelo. Ukufumana kuthathwa njengokuhoxiswa kuqala, kwaye zonke iirhafu zihlawulwa irhafu yakho yerhafu. Naziphi na izinto zokurhoxiswa ngaphambi kokuba neminyaka engama-59 ½ ubudala ziphantsi kweerhafu ye-10%.
Ngomhla wokukhawuleza, inxalenye yentlawulo nganye oyifumayo ithathwa njengebuyiselo lwenqununu (ukubuyiselwa kwemali yakho) kwaye inxalenye yenzalo. Uya kuhlawula irhafu kwinqanaba elinomdla kodwa kungekhona kwinqanaba elithathwa njengebuyiselo lwenqununu. Inkampani yomshuwalense iya kunika ingxelo yerhafu echaza ukuba yiyiphi inxaxheba ityala.
Ngaphambi kokuba uthenge i-annuity inkampani yomshuwalense nayo inokukuxelela ukuba yeyiphi inqanaba lokukhutshwa kwakho. Umyinge wokukhutshwa ngumlinganiselo wentlawulo nganye yenyanga leyo ingabandakanywa kwiirhafu.
Ukuba uguqula i-annuity echasiweyo kwi-annuity ngokukhawuleza, iirhafu ziya kusebenza njenge-annuity ngokukhawuleza, kunye nenxalenye yentlawulo nganye ithathwa njengebuyiselo lwenqununu, kwaye inxalenye inomdla.
5. Yintoni eyenzekayo kwi-Annuity After Your Death?
Ekufeni kwakho, iinzuzo zakho zokuhlala zonyaka (ukuba zikhona) ziya kumntu olibiza ngokuba ngumxhamli wakho, kodwa kwakhona, indlela oku kusebenza ngayo kuyahluka ngokuxhomekeka kohlobo lwenyanga.
Xa ukhetha i-annuity ngokukhawuleza kufuneka ukhethe ixesha le-annuity . Eli gama lithetha ukuba iintlawulo ziza kubakho ubomi bakho kuphela, ukuze udibanise ubomi, kunye nokuba nayiphi na imali esele iya kudluliselwa kwiindlalifa okanye cha.
Uncedo oluninzi oluxhomekeke kuncedo lokufa lulula; nokuba nayiphi na i-akhawunti iyakufanelekela into ehlawulwayo ekufeni.
Iintlawulo zokufa zonyaka ezinokuthi zibe zilula, okanye unokuphucula umgaqo-nkqubo wakho nabagibeli ababonelela ngeenkonzo zokuncedisa ukufa . Ezi zikhethiweyo ezikhethiweyo zingaba yinto enhle kumntu ongafanelekanga kwi-inshorensi yobomi kodwa ufuna ukufumana indlela yokunyusa into abayidlula ngayo kwiqabane okanye izindlalifa.
Emva kokufa kwakho, umntu ozuza ilifa kufuneka ahlawule irhafu yengeniso kunoma yiyiphi inzuzo, eya kuhlawulwa irhafu kwizinga labo irhafu yengeniso. Ukuba bafaka imali kwi-annuity ngenzuzo enkulu, kunokubangela ukuba bangene kwi-bracket ephezulu. Ukuba iqabane liqhubela phambili umgaqo-nkqubo, ngoko-ke i-annuity ayithathwa ingeniswe, ngoko ke akukho ntlawulo ingasetyenziswa kuloo meko. Qhathanisa oku kwinto eyenzekayo xa umntu ezuza iphothifoliyo yamasheya okanye imali. Ngama-stocks okanye iimali ezingekho kwi-akhawunti yomhlala phantsi, iindlalifa zifumana isinyathelo-mali kwixabiso . Olu hlobo lonyango olukhethiweyo alusebenzi kwizibonelelo.
Ngokubanzi, i-annuity ethengiweyo ngezizathu ezifanelekileyo, njengenxalenye yesicwangciso, ikhethekileyo. Kodwa i-annuity ethengiweyo phantsi kwengcinezelo, xa ungayiqondi kakuhle indlela isebenza ngayo, unokuphelisa ukuba yi-albatross kwisicwangciso sakho somhlalaphantsi.