Ingeniso ephakamileyo okanye ukulawula ngaphezulu? Ukhetho luwakho
Ngomnye umhlala-mali wokuthatha umhlala-phantsi owuqwalaselayo, bhala oku kulandelayo:
- Iindleko nge $ 1,000 yenzuzo yenyanga
- Ubude okanye ixesha lemali engenayo
- Iinkonzo
- Umxhasi
Jonga isampu eqhelekileyo ngezansi njengomzekelo.
Iindleko ngeeRandi ezili-1 ngenyanga ngenzuzo echazwe ngezantsi ziyimimiselo yezinto eziyimimiselo ngemimiselo ngo-Agasti 2010, nangona kunjalo, njengenqanaba lomdla kunye neemeko zentengiso, iindleko ziya kutshintsha.
Qinisekisa ukwenza ukuthelekiswa kwakho ngexesha okhangele ngalo.
Injongo: ukuvelisa i-$ 1,000 ngenyanga yenkcitho yomhlala-phantsi eqhubekayo ngaphezu kwokhuseleko loluntu.
Ikhetho 1: I-Annuity Immediate
Iindleko nge $ 1,000 / inyanga yengeniso:
Ubomi obungabodwa, iminyaka engama-65 ubudala
- Ubomi kuphela: i-$ 159,835
- Ubomi kunye nexesha eliyiminyaka eli-20 eliqinisekileyo: $ 161,290
Ubomi obudibeneyo, uneminyaka engama-65
- Ukuphila okuhlangeneyo: $ 197,023
- Ubomi obudibeneyo kunye nexesha eliyiminyaka eli-20 elithile: i $ 201,812
Ixesha
- Echazwe ngentla.
Iinkonzo
- Ukuhlawula ngokukhawuleza kuqinisekisa ingeniso yobomi. Awukwazi ukukhupha imali yakho.
Umxhasi
- Ukuthenga i-annuity ngokukhawuleza ngokuqhelekileyo isigqibo esingenakunqunyulwa. Awukwazi ukuguqula ingqondo yakho kwaye uphinde uphume ngaphandle kotyalo-mali.
- Ukuba uthengela umvuzo wodwa kuphela kwaye ufe ngokukhawuleza, imali yakho ehleliyo ayidluli kwiindlalifa. Ukukhetha ixesha elilodwa lokuhlawula inokuthi linciphise lo mngcipheko.
Funda ngakumbi: Yonke into ofuna ukuyifumana malunga neNkcazo eziNje
Inketho yesi-2: I-Annuity ehlukileyo kunye neRighttime Income Rider
Iindleko nge $ 1,000 / inyanga yengeniso:
- Iifama ezingama-240,000 ezinikezelwa yinkampani yomshuwalense inikezela ukuhoxiswa okuqinisekileyo ngo-5% ukususela kwiminyaka eyi-65.
Ixesha
- Ukuhoxiswa kwe-5% yemali yokuqala yedizithi kuqinisekiswe ubomi.
Iinkonzo
- Ingeniso yakho ingakhula ukuba iphothifoliyo yotyalo-mali iphantsi.
- Imali yakho yokuqala yokufumana imali iqinisekisiwe ngobomi. Awukwazi ukukhupha imali yakho.
- Unokufikelela kwinqununu yakho endleleni, nangona ukuba uthatha ikhefu elingaphezu kwexesha, kuya kunciphisa inani lemali efumanekileyo yengeniso yakho.
- Naliphi na imali eseleyo idluliselwa kwiindlalifa ekufeni kwakho.
Umxhasi
- Isiqinisekiso sakho sinobuchule obuhle njengenkxaso yezimali yenkampani yomshuwalense emva kwayo, nangona, xa kwenzeka inkampani ye-inshorensi yokungafezeki, urhulumente ngamnye unombutho we-guaranty wombuso onika ulawulo olongezelelweyo lokukhusela.
- Iimveliso ezininzi zemivuzo eguquguqukayo ezinemali engenayo eqinisekisiwe inemali ephakamileyo kangangokuthi akunakwenzeka ukuba ufumane ngaphezulu kwexabiso elifumanekileyo lemali engenayo.
Funda okunye: Iimali eziKhuseliweyo kunye nabaPhicothi beNkcazo zoBomi
Inketho 3: INgxowa-mali yeNgeniso yeMhlala-phantsi
Iindleko nge $ 1,000 / inyanga yengeniso:
- $ 240,000 - $ 300,000, kuxhomekeke kwizinga lokuhlawula le mali.
Ixesha
- Akukho lixesha elimiselweyo kwiimali ezininzi zokufumana umhlalaphantsi. Umphathi wezezimali uya kulungelelanisa ukuhoxiswa kuye okanye phantsi njengoko kuyimfuneko ngokuxhomekeke kwiimeko zemarike.
Iinkonzo
- Ulawulo lotyalo-mali olwabiwo-mali ngexabiso eliphantsi ngenjongo yokuvelisa ingeniso ethembekileyo yomhlalaphantsi.
- Ingeniso yakho ingakhula ukuba iphothifoliyo yotyalo-mali iphantsi.
- Unako ukufikelela kwinqununu njengoko kuyimfuneko.
- Naliphi na imali eseleyo idluliselwa kwiindlalifa.
Umxhasi
- Isixa semali kunye nenqununu iya kuhluka kwiimeko zemarike.
- Uqhuba umngcipheko wokuphuma kwemali ukuba uchitha imali eninzi kwaye utyalo-mali alusebenzi kakuhle.
Funda okunye: IiNgxowa zokuNikwa kweMhlala-phantsi - Kufuneka ukhangele
Inketho yesi-4: Ulawulo oluzimeleyo okanye oluMcebisi-mali oluPhathwayo
Iindleko nge $ 1,000 / inyanga yengeniso:
- Imali engama-240,000-$ 300,000 yenkunzi ngemali eyi-1 000 / inyanga yenyanga efumana inqanaba lokuhoxiswa kwe-4 -5%.
Ixesha
- Akukho lixesha elimiselweyo. Kuwe kuwe ukulawula ukurhoxa kwakho ukuze ungaphumi kwemali.
Iinkonzo
- Ingeniso yakho ingakhula ukuba iphothifoliyo yotyalo-mali iphantsi.
- Wena kunye nomcebisi wakho ulawulo olupheleleyo kunye noguquko lokutshintsha iimali-mali njengoko kufuneka.
- Unako ukufikelela kwinqununu njengoko kuyimfuneko, kwaye nayiphi na imali eseleyo idluliselwa kwiindlalifa.
Umxhasi
- Ingeniso yakho kunye nenqununu iyahlukahluka kunye neemeko zemarike.
- Uqhuba umngcipheko wokuphuma kwemali ukuba uchitha imali eninzi kwaye utyalo-mali alusebenzi kakuhle.
Funda okunye: Amanqanaba okuhlawula amaRhafu wokuBala iRhafu yeNgxowa-mali ukusuka kwiNgxowa-mali
Isishwankathelo seNgxowa-mali yokuTyala imali
Njengoko uthelekisa utyalo-mali lwengeniso yomhlalaphantsi ngasentla, phawula ukuba indleko yokuqinisekisa inqanaba lemali engenayo, enjalo nge-annuity esheshayo, ingaphantsi kweminye indlela. Oku kungenxa yokuba intlawulo nganye yentlawulo iqulethwe zombini inqununu kunye nomdla.
Njengoko uhambela ekukhetheni utyalo-mali ohlala umhlala phantsi ovumela ithuba lokunyuka kwengeniso, njengemali echaseneyo kunye nekhredithi yokufumana umhlala-phantsi, i-fund income, okanye i-portfolio ephethwe yiyo, ixabiso liphezulu kuba ufuna inqununu eyengeziwe ukuqala kunye nokukunika ingxaki engcono kakhulu yengeniso ehlala. Ngale ndlela yokukhetha, unako ukufumana imali engenayo, kodwa kwaye unobungozi obongezelelweyo.
Iindaba ezilungileyo: unokudibanisa uze udibanise ukhetho lokuthatha umhlala-phantsi ukuze ufumane umxube weholo eliqinisekisiwe kunye nokukwazi ukunyuka kwemali engenayo.