Akunjalo i-QLAC, konke kusemgangathweni kubathengi!
I-QLAC ikuvumela ukuba ulahleke iminyaka engama-70 ½ engaphakathi kwe-IRA yeNdabuko, ukuqinisekisa umrhumo wokufumana imali onokuqalwa ukufikelela kude uneminyaka yobudala engama-85. Awunanto ukuyixela ixesha elide, kodwa unako. Okubaluleke ngakumbi, imali kwi-QLAC ayithathwa njengengxenye ye- RMD yokubala xa uvula i-70 ½. Le nto inkulu, bahlobo bam.
Oko kuthetha ukuba kwiNgesi ecacileyo kukuba iirhafu zakho ziya kuba ziphantsi kwi-RMD yakho. I-QLAC yimihlobo kuphela ye-annuity engenza oku. Ngokomzekelo, ukuba unayo i-ARA eyi-$ 500,000, ungathenga i-$ 125,000 ye-QLAC ngokwemigaqo ekhoyo ekhoyo. Xa uhamba ukubala ii-RMD zakho, ixabiso liza kusekelwe kwi-$ 375,000 esikhundleni se-$ 500,000. Ngenxa yesi sixa esezantsi, iirhafu zakho ze-RMD ziya kuba ziphantsi.
Ii-QLAC ziyakhiwa ukuhlawula ngokubambisana kunye neqabane lakho, kunye ne-COLA (iindleko zokuLungiswa koBomi) ukwanda xa ukhetha.
Ungakwazi kwakhona ukumisela isivumelwano ukuze i-100% yiphina inqununu engasetyenziswanga iya kubaxhamli bakho abaluhlu, kungekhona inkampani yenkampani.
Yintoni Engalungile Ngama-QLAC? Hayi kakhulu.
Ingxaki ephambili ye-QLAC kukuba ulinganiselwe kwimali ongayifaka kwimveliso. Ndiyazisola xa abantu beva imigaqo-mali ekufuneka bayilandele.
Okwangoku, isigwebo sichaza ukuba inani elingu-dollar elingaphaya ongayifaka kwi-QLAC lingaphantsi kwama-125,000, okanye i-25% ye-IRA yakho (engeyi-Roth) iyonke. Uninzi lwabantu lufuna ukubeka imali engakumbi kwii-QLACs, kodwa imithetho imigaqo. ISebe lezeSebenzi kunye neSebe lezeMali liye labonisa ukuba baya kuphakamisa umda we-QLAC kwixesha, kodwa abazange banike umhla othe ngqo.
Omnye umba kunye nee-QLACs kukuba isicwangciso asinayo ixabiso lokuqokelela. Ndiyicinga ukuba eli li-positive, kodwa abatshali-mali abancinci abambalwa abangekho ngenxa yokuba baqhathanisa i-QLAC kunye ne-investments. Izibonelelo (kuquka ii-QLAC!) Aziyi-mali . Ngamanye amagama, ukuba ubeka i-$ 125,000 kwi-QLAC kunye nesicwangciso sokuvula ingeniso kwiminyaka eyi-8 kwaye ufa ngomnyaka wesi-7, abaxhamli bakho bafumana i-$ 125,000. Yilibale!
I nyaniso malunga nee-QLAC kukuba Ziya kwiNkqubo efanelekileyo.
Izibonelelo ezingenasityalo-mali, zakhiwe ukubonelela ukukhuselwa kweenqununu kunye neentlawulo zengeniso, kwaye zinokusinceda sicwangcise ukuhlala ixesha elide, ilifa kunye neemfuno zokunyamekela kwexesha elide. Umkhiqizo we-QLAC ungumthengi kakhulu!
Xa ii-QLAC zivunyiwe ngoJulayi 1 ngowama-2014, oku kwakuyinguqu yokudlala umdlalo we-archaic 'ole boy'. Njengokuba xa kuthengiswa imali phakathi kwemali engama-401k kwaye ekugqibeleni ivuselele i-shishino ye-fund ye-fund, i-QLACs (okokuthi i-Long Lityity Annuity structures) ekugqibeleni iya kuba yinto ephezulu yokuthengisa i-annuity ngexesha elizayo.
Ndiyaxela ukuba kuya kwenzeka ngo-2020. Ndiyathemba ukuba ndichanekile kuba umboleki nguye oyinqobileyo apha.
Ukongeza, i-QLAC iya kuba yindlela yokuqhuba i-annuities (kuzo zonke iindidi) ukuhamba ngqo kumzekelo wabathengi. Ngendlela, oku kulungile. Ukuba unokuthenga unyaka ngaphandle kokujongana ne-pesky high-pressure sales pitch kwi-arhente yakho, ngoko uyinqoqo yombono ekuhambeni kwexesha. Kwaye kuvela kwi-arhente ephezulu kwilizwe ... .Can The Annuity Man! Awukwazi ukuthenga i-annuity ngqo kwi-website, kodwa ngokuqinisekileyo unokutyelela i-annuities.direct ukuphanda yonke into oyikhethayo. Khumbula ukuba imfundo iyona nto ebalulekileyo yolwazi. Ulwazi luyisitshixo kwimpilo yakho yezezimali.
Cofa apha ukuba ufuna ulwazi oluninzi malunga nee-RMD okanye i-COLA Riders kwi-QLACs