Ukuba ucela amaninzi amanxeba, impendulo yabo mhlawumbi iya kuba "ngoku!". Leyo mpendulo eqikelelweyo, ngokucacileyo ukuzimela, kwaye ingalunganga. Impendulo kukuba kuxhomekeke. Kuxhomekeke ekubeni ngaba ufuna unyaka okanye awuyi. Akuyiyo ipolisi, kwaye andiyi kuzama ukuchaneka kwezopolitiko; yinyaniso.
Ithuba elithengileyo lokuthenga i-annuity lihla ngqo kwiimeko zakho, ukuba ufuna ntoni imali ukuba wenze isivumelwano, kwaye xa ufuna ukuba abo baqinisekise ukuba kwenzeke.
Bonisa umfanekiso wakho woBume bokuQala ukuQalisa ukuba ngaba ixesha lo-Annuity
Imeko nganye ihlukile, ngoko akukho xesha elifanelekileyo okanye elingalunganga lokuphumeza isicwangciso sonyaka. Ngokomzekelo, ukuba ufuna umvuzo wokufumana imali ngoku qalisa ngoku kwaye uqinisekiswe ukuhlawula bonke bakho kunye nobomi bomfazi wakho, ngoko kufuneka uthenge i- Premium Immusate Annuity (SPIA) . Amanqanaba omdla, iipolitiki, uqoqosho lwehlabathi, okanye oko uyaziyo-wonke ummelwane ucinga ngeemeko zezemali ayikho nto xa ufuna imali engenayo.
Chaza into ofuna ukuba imali uyenzele yona
Lo ngumbuzo oyintloko omele uzibuze yona ukuba ucingisisa i-annuity. Ungavumeli ukuba i-arhente isebenze kuphela kwimveliso yazo. Baya kuba bezama ukuthengisa imigaqo-nkqubo eyaneleyo ukuze bafanele ukuhamba ngeenqanawa, i-laptop okanye imoto. Qala ngesisombululo semali ozama ukuyifeza, kwaye ufumane isicwangciso sonyaka sokuncedisa ukuba usombulule kwisigqibo.
Eyona nto ilula, cacisa oko ufuna imali, wenze isigqibo sokuba ngaba i-annuity yenza. Unokufumanisa ukuba i-annuity ayikho into oyifunayo. Kulungile. Uhlala ufuna ukusekela isigqibo sakho malunga noko umkhiqizo uya kwenza ntoni, kungekhona oko unokukwenza. Qonda uphinde uthenge iziganeko zengqinano, kungekhona enye imeko ephuphayo eyenziwe kwimeko engenakwenzeka.
Ezi zicwangciso zingenakuze zenzeke.
Qinisekisa Xa Ufuna Iziqinisekiso Zokuqala Ukuhlawula Imali
Lo ngowomnye umbuzo oyimfuneko oyifunayo ukongeza kwinto ofuna ukuba imali uyenze. Akufanele nje uthenge i-annuity yeziqinisekiso eziqinisekileyo, kufuneka ukwazi xa ufuna ukuba loo mgaqo-nkqubo iqinisekise ukuqala ukuhlawula imali.
Unokusebenzisa i-Annuities yokuSombulula iMali eqinisekisiweyo yokuQala kwiNkamva yexesha elizayo
Umzekelo, unokuba ucwangcisa iimfuno zakho zokufumana umhlalaphantsi, kwaye uqaphele ukuba unengeniso yokufumana imali efuna ukuzaliswa kwiminyaka emi-5. Ngaphandle koko, unokuba ucwangcisa loo mali engenayo ukuqala kwiminyaka emihlanu ukulwa nokukhula kwexabiso elizayo. Ngabagibeli bemali abaxhomekeke kwiimali ezihlawulwayo, okanye i-annuity annuities (i-aka echaziweyo).
Unokuba Ukhangele iMveliso eHloniphekileyo yeMveliso yexesha elithile elithile
Kuloo meko, i-rate rate engapheliyo (MYGA) iya kuba yinto efana neCD . Uyazi isivuno seminyaka esiqinisekisiwe esivumelanisiweyo ukususela kumhla omnye kwi -Annuity eqinisekisiweyo yeMinyaka emininzi .
Ngoko akukho nto ipheleleyo okanye ixesha elifanelekileyo lokuthenga i-annuity, ngaphandle kwexesha elifanelekileyo kwimeko yakho.
Akukho mntu unako ukuhlawula amaxabiso omyinge okanye ukuchaneka ngokuchanekileyo uqoqosho lwehlabathi. Konke kuya kweemeko zakho kunye nento ofuna ukuyifumana. Ukuhlawulwa kwemali kunokungafanelanga iiparameters ozibekele yona, kodwa ukutshintshwa kweengcipheko zengozi kunokubonelela ngeziqinisekiso eziqinisekisayo ozifunayo. Khumbula nje ukuba uqale kumgca wakho wokugqibela ukufumana isisombululo. Unokufumana i-annuity isebenza kuwe. Lo msebenzi awukuncedisi kuphela ukuba i-annuity iza kusebenza kwipotfoliyo yakho, kodwa uya kuhlakulela ingcamango ecacileyo apho ukhona kwizezimali kunye nalapho uza kuba phantsi kweendlela. Wonke umntu kufuneka ahlakulele ukucaciswa kwezemali, nokuba ngaba badinga ukuhlawula okanye akunjalo.