I-annuity esheshayo yindlela yokulawula ingozi
Ukuhlawulwa ngokukhawuleza isixhobo sokuqinisekisa ingeniso rhoqo. Ngokuqhelekileyo isetyenziselwa ukubonelela ngeniso epheleleyo yokuthatha umhlalaphantsi. Ingaba kukho ukhetho olufanelekileyo kwiimfuno zakho, nangona kunjalo, kuxhomekeke kwiimeko zakho.
Iyintoni iAnyuuity Immediate Annuity?
Ukuhlawulwa kwemali kuyimveliso yemali yesivumelwano. Kwiimeko ezininzi, iyakwamukela kwaye ikhule iimali ezivela kumntu kwaye ihlawule imali evunyelweneyo ngonyaka.
Kwezinye iimeko, i-annuities ixhaswa ngemali kwixesha leminyaka ngaphambi kokuba iqale ukuhlawula. Ukuhlawulwa kwexesha elikhawulezayo, nangona kunjalo, kuthengwa kunye nentlawulo enye yentlawulo kwaye uqala ukuhlawula ngokukhawuleza.
Khawucinge, umzekelo, ukuthengisa ikhaya lakho kwaye ubeke yonke loo mali kwi-annuity. Emva koko uza kuba nenzuzo evunyelweneyo ngenani elimisiweyo leminyaka okanye nakubomi bakho bonke. Ngeke kunjalo, unako ukhetho lokutyalomali okanye ukuchitha imali yakho nayiphi na enye indlela.
Ziziphi ii-Annuities eziKhuselekileyo kwaye aziyi kuzinikezela
Izibonelelo zihlobo lwe-inshurensi, kwaye i-inshorensi yinto yokulawula ingozi-ingenalo utsalo-mali. Xa uthengisa i-annuity ngokukhawuleza, uqinisekisa isiphumo esithile, ungenzi utyalo-mali. Isiphumo osithengayo ngumvuzo omdala wobomi. Isihluthulelo sokusebenzisa i-annuity ngokukhawuleza kukuqonda oko uqinisekisayo nokuba uyayixabisa njani inzuzo enikezelwayo.
Xa uthengisa i-annuity ngokukhawuleza ungena kwisivumelwano kunye nenkampani yomshuwalense ukuthenga umjelo oqinisekileyo wenzuzo. Inkampani yenkampani yomshuwalense ibala inani lemali engenayo yenyanga nganye inokubonelela ngokusekelwe kwizinto ezinjenge:
- uhlobo lwe-annuity (echanekileyo, echaseneyo okanye e-index-indexed)
- kwixesha lekhefu oyikhethayo (ubomi-kuphela, ubomi obudibeneyo, ixesha elithile)
- bakho ubudala kunye nesini (ngoko banokulinganisela ixesha lokuphila kwakho )
Ukubala iNgcipheko kunye nethuba: Iintlobo zeeNkcazo eziNje
Uya kuba neenqununu ezininzi xa uthengela i-annuity esheshayo. Ngaba ufuna ukwandisa ingeniso ngoku, okanye ngaba uya kwamkela i-payout ephantsi yengeniso eya kuphakama ngexabiso lentengo? Ukuba ufuna inzuzo enkulu namhlanje, ukhetho oluchanekileyo lukhetho. Ukuba ufuna imali engenayo ekhuphuka ngexabiso lokunyuka kwamaxabiso kufuneka ufumane inzuzo engaphantsi kwenyanga ngoku.
Ngaba ufuna ukuhlawula okuqinisekileyo, okuqinisekileyo, okanye ngaba ukhetha ukuhlawula okungafaniyo okunokukwazi ukunyuka ukuba iimarike ziphakama? Ngenxa yokuhlawula okungafaniyo, umrhumo wenyanga uvumelekile ukuba ube nexabiso elincinci eliqinisekisiwe kunye nenxalenye yokuhlawula eboshwe kwisikhokelo semakethe ye-stock, okanye yonke imali ehlawulwayo inokusekelwe kwintsebenzo engundoqo yeempahla kunye ne-bond.
Hlola iintlobo ezahlukeneyo zokuhlawula imali ngaphambi kokuba uthenge. Njengoko injongo yonyaka ilawula umngcipheko, ukuhlawula okuqinisekileyo okuqinisekileyo yinto endithandayo.
Imigomo
Xa uthengela i-annuity ngokukhawuleza kufuneka ukhethe ixesha le-annuity , eliza kugqiba ixesha elide lokufumana umvuzo wakho oqinisekileyo.
Ixesha elilodwa lonyaka liya kubakho umrhumo wokufumana imali ohlala kwinani elithile leminyaka, kanti i-annuity yobomi inikezela ngeniso eqinisekileyo xa usaphila. Kukho ukhetho lokuphila ngokubambisana, oluhlawula ngokukhawuleza ukuba ubuncinane ubunini bomnini-mali. Kukho iinketho ezibonelela ukubuyiswa kwenqununu, ngoko ke ukuba ufa phambi kokuba imali epheleleyo oyifakile kwimveliso ihlawulwe, kwaye nayiphi na imali eseleyo iya kuindlalifa zakho.
Umdala ungumvuzo ophezulu ngenyanga. Abathwali be-inshurensi basebenzisa iibhola zokuhlala ngokubala ixesha lokuphila kwakho. Umdala wena, iminyaka embalwa abalindele ukuba uphile. Iintlawulo ke ngoko ziphezulu xa ulinda ixesha elide ukuthenga i-annuity yakho. Abasetyhini bahlala bephila ixesha elide kunamadoda, ngoko ukuhlawula amaxabiso kumabhinqa kuncinci kunamadoda.
IiNkcitho zeMali eziMfutshane
Amawebhusayithi amaninzi amanqaku e-annuity avelisa amaxabiso athatyathwa ngokukhawuleza abizwa ngokuba yizinga lokuhlawula . Oku akufani nezinga lokubuyela okanye ukuvelisa. Akufanele usebenzise isantya sokuhlawula ngokukhawuleza, okanye izinga elilinganisiweyo lokubuyela ukulifanisa namanye amatyala. Uthenga izibonelelo zokuqinisekisa, kungekhona ukubuyisela. Xa usuhlala ixesha eliphakamileyo ukubuyiswa kwe-annuity kuza kunika. Unokuqhathanisa isantya semali evela kwinkampani enye ukuya kwiinkampani enye.
Xa isetyenziswe njengenxalenye yesicwangciso sokufumana umhlala-phantsi wokuhlala umhlalaphantsi, ingeniso yenyanga evela kwintlawulo esondeleyo ithetha enye inkunzi onokuyenza inokufakwa imali kwixesha elide. Ngethuba lexesha i-annuity yangangoko inokudala ubutyebi obuninzi. Kwakhona kudala ukhuseleko. Ezi zinto zixabiseke ezingenakulinganiswa ngokukhangela ngokuthe ngqo kwizinga lokubuyela.
Ukufumana iingcaphuno ezingenasiphelo kuzo zonke iintlobo zokuhlawula zama zama-Annuities.direct. Ngabo "abanakho i-agent efunekayo", unokuqiniseka ukuba abanakukubetha ngeefowuni okanye izinto zokuthengisa.
Ingaba Unelungelo Lokumnika Ilungelo?
Le mibuzo emine ungayisebenzisa ukugqiba ukuba le mveliso ilungile.
- Ngaba ukhetha ukhuseleko kunye nokuqinisekisa ngaphantsi kwezinto ezithile?
- Ngaba ngaphantsi kwe-50% yeendleko zakho zokuthatha umhlalaphantsi ezifunyenwe yimithombo eqinisekisiwe yengeniso, njenge-Social Security kunye nempesheni?
- Ngaba usempilweni kwaye ucinga ukuba kukho ithuba elihle lokuba uphile ixesha elide kunexesha lokuphila lobomi?
- Ngaba ukhathazeke malunga nokuchitha imali ngaphaya kwexesha lomhlalaphantsi, ukuphuma kwemali kamva, nokukhusela lakho ixesha elizayo kuzo zonke izigqibo ezimbi ngenxa yokuncipha kwengqondo?
Ukuba unempendulo yeewe kuyo nayiphi na imibuzo ekhankanywe ngasentla, i-annuity esheshayo inokuba nenendawo kwisicwangciso sakho sokufumana umhlalaphantsi. Qinisekisa ukuba ujonga ukuthengisa ukuthengwa kwakho kwemali kwi-inshurensi nabathwala ixesha.
Kuthekani ukuba andisayi Kuhlala Ndifuna Unyaka?
Xa uninzi lweentlawulo, awukwazi ukuguqula ingqondo xa kuthengwa isivumelwano. Ngokomzekelo, ukuba ufumene umtsalane wakho wemali kwiminyaka emibini, kwaye ngokukhawuleza utshintshe ingqondo yakho, awukwazi ukukhansela umrhumo wembuyekezo uze ufumane imali yakho esele isele. Ukuba uthe wagqiba ukuba ube ne-sum sum of money, unokukwazi ukufumana inkampani yangaphandle, njengeJD Wentworth, ukuthenga umrhumo wakho wokufumana imali kwixabiso elincinci. Okanye ungazama iwebhusayithi njenge QuoteMeAPrice eya kuqokelela amabhidi kwi-annuity yakho.