Qaphela: I-Tax-Deferral kwi-Annuities echaseneyo inokuba unokunyusa kakhulu kwiRhafu

Ukuhlawulwa kweRhafu yeeNkcazo ezinokuThatyathwa kungenza ukuba uhlawule ngaphezulu kwiRhafu

Ukuhlawulwa kweentlobo ezichanekileyo kuthengiswa njengezithuthi zotyalo-mali eziza kunika imali eninzi yentlawulo ngokuchasisa irhafu yengeniso kwintlawulo-mali. Ubeka imali yentela emva kwentlawulo, kwaye awuhlawuli irhafu kwintalo-mali, uhlawulelo, okanye uzuzo lwentengo, kuze kube yilelo xesha uthabatha. Oku kuthetha ukuba unokutshintshana phakathi kokukhethwa kotyalo-mali ngaphakathi kwimihla yokuguquguquka ngaphandle kokubangela irhafu.

Uvakala kakhulu ... ke yintoni ebanjwayo?

Kukho iingxaki ezimbini ngeerhafu zerhafu eziguqukayo. Ezi ngxaki zinokubangela ukuba wena, kunye neendlalifa zakho, uhlawule irhafu engaphezulu kunokuba uza kuhlawula ukuba usebenzisa ezinye iindlela zokutshala imali.

Ingxaki # 1: Ukuhlawulwa kweNtlawulo ngeNtengo njengeNgeniso eqhelekileyo

Okokuqala, cinga ngeminyaka eguqukileyo efana nekhonkco. Imithetho yeconta ixilongo imithetho ye-investments engundoqo.

Ngokomzekelo, ukuba uthenge i-fund yebhondi ehlawula umvuzo, uzakuhlawula irhafu kuloo mdla ngamnye unyaka. Ukuba, nangona kunjalo, unayo ingxowa-mboleko efanayo kwi-container ye-annuity container, awuyi kuhlawulwa irhafu kwiphina inzala okanye inzuzo eqokelela kuze kube yilapho uqala ukuthabatha.

Akunandaba nokuba inzuzo ivela kwi-interest, dividends okanye gain gain; zonke zichazwe. Olu luyonyango lwenzuzo yerhafu yeentlawulo, ezibizwa ngokuba yi-tax-deferral.

Ukumiselwa kwemali yerhafu kulungile, de kube uqale ukuthabatha.

Ngexesha othabathayo, kukho iingxaki ezimbini.

1. Xa uthabatha utyeshelo, uzuzo luqwalaselwa ukuba luhoxiswe kuqala. (Ngaphandle kokuba uhlawule isivumelwano sakho, okokuthi, ukubeka nje, kuthetha ukuba uthengisa imali yakho yemali kwimali efumanekileyo evela kwingxelo yenkampani yomshuwalense.)
2. Yonke inzuzo ehoxiswayo kwi-annuity ihlawulwe irhafu yakho yerhafu.

Kutheni oku kubi?

Iireyithi zerhafu eziqhelekileyo ziphezulu ngaphezu kweerhafu zerhafu yentlawulo. Kwi-bracket ephezulu yentlawulo, uza kuhlawula irhafu engaphezulu kwe-20% kwingeniso eqhelekileyo kunokuba uzuze imali.

Oku kuthetha ukuba, nangona i-taxer deferral, xa ifika ixesha lokufikelela kwimali yakho, unokugqiba ukuhlawula irhafu ngaphezulu kwiimali ngaphakathi kwenyanga kunokubakho utyalo-mali oluthile olufana ne- index index fund .

Ukuba uceba ukwenza i-annuity eguquguqukayo iminyaka engaphezu kwe-25 ngaphambi kokuba uthathe utyeshelo, ngoko amandla okufumana inzala kwiirhafu ezichaziweyo anokufumana ixesha elaneleyo lokusebenza. Kodwa amaninzi amaninzi athengiswayo athengiswa kubantu abaya kufuna umvuzo kwiminyaka eyi-10 okanye eyi-15, okungekho ixesha elaneleyo lokukhangela irhafu ukubonelela ngenzuzo enkulu.

Ingxaki # 2: Iindlalifa azifumani I-Step-up kwiSiseko seNdleko

Ekufeni kwakho, iindlalifa zakho zifumana into ebizwa ngokuba yinyathelo-mali kwinqanaba lexabiso xa ifa lempahla efana ne-real estate, amasheya, kunye nemali.

Masithi utyalomali i-$ 100,000 kwi-stock mutual fund iminyaka engama-12 ngaphambi kokufa kwakho. Ngaphezulu kweminyaka eyi-12, i-$ 100,000 iphindwe kabili ukuya kuma-200,000 (ngokuthatha umyinge wokutsalwa kwemali ukubuyela kwe-6% ngonyaka, inetha yonke imirhumo).

Xa usweleka, izindlalifa zakho zizuze i-$ 200,000. Imithetho yentela ithi isiseko salo mali kutyalo-mali siya kuba yintengo yokutyalomali ngosuku lwakho lokufa; Kwimeko apha i-$ 200,000.

Ngoku bayayithengisa, kwaye abayihlawula irhafu kwi-100,000 yenzuzo.

Le nyathelo-mali kwiziko leendleko alisebenzi kwizibonelelo.

Ukuba utyalomali i-$ 100,000 kwi-annuity eguquguqukayo, kwaye iphindwe kabili kwi-200,000, xa usweleka, iindlalifa zakho ziya kufuneka zihlawule irhafu, kwinqanaba labo rhafu yengeniso, kwi-100,000 yenzuzo. Oku kungabangela irhafu yentlawulo ye-$ 15,000-$ 35,000, kuxhomekeke kwerhafu yabo yentela.

Akukho rhafu luza kuba ngenxa yokuba utyalo-mali bebekwe ngqo kwi-fund fund, kunokuba bangene ngaphakathi kwintlawulo eguquguqukayo.

Ngelishwa, xa i-annuity eguquguqukayo ithengiswa, abacebisi kakhulu bambalwa bacacisa ukuba izindlalifa zakho zingahlawulela amawaka kwiirhafu, kunokuba zihlawulwe irhafu.

Ngaba zonke ezi zandi ziyinkimbinkimbi? Ukunyangwa kweentlawulo zentengiso-mali akulula ukuyiqonda kwaye kunye nobunzima beentlawulo, kunzima kakhulu kumthengi ophakathi ukuba aqonde.

Yingakho kubalulekile ukufuna uncedo lomcwangcisi wezemali ochaphazelekayo ukukunceda ukubeka isicwangciso esiphezulu somhlala-phantsi esikukhokelela wena kunye neendlalifa zakho zokugcina imali eninzi kwizandla zikaRhulumente ngokusemandleni.