Yiyiphi eyona nto ibhetele kwiinjongo zakho zokuhlala phantsi
Ukuba unjengamaMerika amaninzi, uvile nge-401 (k) kodwa i-IUL? Hayi okuninzi. Ngaphambi kokuba sijonge i-IUL malunga no-401 (k) masichaze i-IUL.
Yintoni i-IUL?
Inyuksi yobomi bomshuwalense we-IUL, okanye i- indexed life universal , ngumhlobo we-inshorensi yobomi bomshuwalense. Imigaqo-nkqubo yendalo yonke ifumaneka iiprayimari eziguquguqukayo kunye nenzuzo yokufa, uphawu lokugcina imali, kunye ne-premium ingatshintshwa kwikhosi. Funda kabanzi malunga nemigaqo-nkqubo ye-inshorensi yobomi apha .
Enye yezona ndawo zibaluleke kakhulu kumgaqo-nkqubo wezobomi ezikhompyutheni yikhowudi yecandelo lemali. Cinga ngecandelo lemali njengendlela yokuba umgaqo-nkqubo usebenze njengemveliso yotyalo-mali. Inkampani ye-inshorensi ibeka ukusebenza ngokuyibophelela kwisalathisi kwimarike yemasheya. Nokuba ukhetha kwimenyu yeekhonkco okanye i-inshurensi yenza ukhetho. Masicinge ukuba uthathe i- S & P 500 .
Ukuba i-S & P 500 iya kunyuka ipesenti ethile, ixabiso lemali lomgaqo-nkqubo lenyukela inani elithile-nakuba lingenani elifanayo. Ii-IUL zihlala ziphethe i-cap kwi-edge of investment. Ukuba i-S & P 500 inomnyaka onjenge-2017 apho iphakame ngaphezu kwe-20 ekhulwini, kuxhomekeke kwimigqaliselo yomgaqo-nkqubo, i-IUL inokubuyisela i-12 yeepesenti zentlawulo ngonyaka. Ezinye zee-caps zipesenti. Ukuba ngaba i-S & P iphakama kuma-20 eepesenti, uya kufumana iipesenti ezili-10.
Ukuba ubamba ukushicilela okulungileyo ungabona kwakhona ibinzana, "phawula kwinqanaba." Esikhundleni sokuba ukhangele ukusebenza kwenkcazelo yosuku ngalunye, inkampani yomshuwalense iya kujonga ukusebenza ngexesha elithile.
Ukuba kukho ingongoma yonyaka ukukhomba, akukhathazeki ukuba yintoni inkcazo eyenziwa kuwo wonke unyaka ngenxa yokuba inkampani yomshuwalense iya kukhangela kuphela ukusebenza kwenkcazo ngomhla kaDisemba 31 okanye omnye umhla wokumiselwa. Oku kungasebenza kumnini-mvume womgaqo-nkqubo okanye kungekhona, kuxhomekeka kwiimarike.
Ukongezelela, inxalenye yeenzuzo ze-S & P 500 zibandakanya isabelo .
Ngo-2017, i-dividend yabalwa malunga neepesenti ezi-3 zentlawulo. Ii-IUL aziqhelekanga ukuhlawula isahlulo sesahlulo semali.
Ngakolunye uhlangothi, ukuba i-S & P yayinomnyaka ofana no-2008 xa ibingaphantsi kwama-37 eepesenti, abanikazi be-IUL abazange balahleke kakhulu ngenxa yokuba inxalenye yemali yomgaqo-nkqubo yayingekho phantsi kwayo yonke okanye ngemigaqo ethile, inzuzo encinane. Awuyi kufumana lonke uhlangothi lwe-IUL kodwa ukhuselekile kwi-downside. Yingakho yinkqubo yomshuwalense.
Yintoni i-401 (k)?
I-401 (k) ifumana igama layo kwikhowudi yentlawulo ehlanganiswe kuyo. Uninzi lwabantu luyafaneleka ukuya kuma- 401 (k) ngenxa yokuba isebenza kwinkampani enika enye. Esinye isahlulo sokuhlawula kwabo siya kuma-401 (k) kunye nomdlalo wenkampani, ukuba unikwe. Umqeshwa unokukhetha ukuba imali ityalwe njani kwimenyu encinci yokukhetha imali. Kukho iintlobo ezahlukileyo ezingama-401 (k) i-Roth 401 (k) apho iirhafu zihlawulwa ngaphambili okanye zenkcubeko 401 (k) apho imali inotyalomali kwi-pre-tax tax basis emva kokuba irhafu ihoxiswe .
IUL vs 401 (k)
Ngaphambi kokwenza isigqibo malunga nokuba yintoni, yenza ukufunda okuninzi malunga nendlela usebenza ngayo kodwa ke kukho ukungqinelana okubalulekileyo phakathi kwe-IUL kunye no-401 (k):
Ii-Iim nkqubo ye-inshorensi-401 (k) yintengiso yezolimo. Imigaqo-nkqubo yomshuwalense yenzelwe ukunikezela ukhuseleko xa iimveliso zentengiso zinenjongo yokukhulisa umthamo wakho.
Inqubomgomo yomshuwalense kunye notyalo-mali kufuneka kusetyenziswe ndawonye kodwa abanye abacebisi ngezemali bacebisa ukuba bahlukane. Ii-IUL zinikela ngoncedo lwe-inshurensi kunye neenzuzo zentengiso kodwa i-401 (k) inokunikela ngenzuzo yokutshala imali ngexabiso eliphantsi. Akukho khonkwane yokufumana imali kwi-401 (k) kodwa akukho khuselo kulahleko.
Kunzima ukuyiqonda: Zonke iimveliso zezimali zinzima ukuqonda ngandlela-thile, kodwa iinkqubo ze-inshorensi zihlala zinokukhetha kunye namaphepha amanqaku apapashwe kakuhle ukuba abathengi banenceba ye-inshente yabo. 401 (k) s, ngelixa lilukhuni, libhekise phambili kwaye lilula ukuliqonda.
Ukunyangwa kweRhafu: Ixabiso lemali ye-IUL liyakwazi ukufikelela nanini na ixesha kuba sele lihlawulwe irhafu. Iimali ezingama-401 (k) zihlukile-kufuneka ube ngu-59 ½ ngaphambi kokuba uhoxise, kufuneka uthathe isabelo semali esele sithile kwiminyaka ethile, njl.
Ukuba unayo iRoth 401 (k), imithetho yakho ikhululekile ngakumbi kodwa ngenxa yokuba i-IRS ikunika ikhefu zentela, kufuneka ulandele imithetho yazo.
UCwangciso loSakhiwo : 401 (k) sangobuchule. Ngo-IUL, abaxhamli bafumana inzuzo yokufa.
Umlinganiso woMqeshi : 401 (k) sisoloko enomlinganiso womqeshi-i-IUL ayifuni.
Cela Uncedo
401 (k) ufumane ingqalelo yeendaba ezininzi zezezimali ngaphezu kwe-IUL ukuze mhlawumbi unokuqonda kangcono indlela 401 (k) isebenza ngayo. IUL ziyinkimbinkimbi kwaye ziza neendlela ezininzi. Fumana umqeqeshi we-inshorensi onokukunceda uhlolisise iindlela ozikhethayo ngaphandle kokuba unesikhumba kumdlalo.