I-original ye-annuity design evela kwi-Roman Times, kwaye uhlobo oluphela kuphela lweentengo zithengiswa iminyaka engaphezu kwama-200 kweli lizwe kude kube ngo-1952.
Emva koko, i-annuity eguquguqukayo ishayisa indawo, kodwa ii-SPIA zisengowona uncedo kakhulu kumbono wam. Ii-SPIA zafakwa kwihlabathi ukuba zizisombulule ngeniso yokuphila, kwaye oko kuthiwa "ingozi yokuphila ixesha elide." Leli gama eliqingqiweyo lokwesaba ukukhupha imali yakho. Oku kukhathazeka ngokwenene kubantu abaninzi.
Nangona kunjalo, abanye abantu abafuni ukuyicombulula ingeniso yokufumana ubomi, okanye bafuna ukuzalisa ixesha elithile lexabiso lemali engenayo. Ngelo xesha "i-Period ethile" I-Premium yoLuntu oluNye iNgqungquthela eNgqiqweni inengqiqo, kwaye iyona mvuzo wokugqibela wokungenisa imali.
Khetha ixesha lakho lexesha
"Ixesha elithile" I-Premium yodwa yokuhlawula i-Annuities ikuvumela ukuba ulawule kwaye wenze uhlobo oluthile lomncinci ongenayo. Okukhethiweyo kwexesha elifutshane kuya kuba ngumqinisekiso wesiqinisekiso sokuhlawula iminyaka emi-5, kunye nexesha elithile inkokhelo ethile ihlala iminyaka engama-40.
Ixesha elithile lokuhlawula i-intanethi yintsebenziswano yokubuyiswa kwenqununu kunye nomdla, ngoko i-ROI (Return to Investment) yinto elula yokubala.
Ungalindelanga "uhlobo lotyalo-mali" ukubuyisela okwenzekayo, lindela isiqinisekiso esinesivumelwano sokuthi unokuyithemba. Izibonelelo ezingenasityalo-mali kuzo zonke, kwaye kuyiphutha ukwenza loo mzekelo. Iimali ezihlawulelwayo zihlambulukileyo ezichanekileyo zokutshintshwa kweengozi.
Kwiimeko ezininzi endizenzayo kuzo, abaninzi abantu baneemfuno zabo zokufumana imali ngaphandle kwexesha elithile.
Ngokomzekelo, bayazi inani lemali yomhlala-phantsi abayifumana kunye neentlawulo zabo zeNtlalo. Nangona kunjalo, kunokuba kubekho i-gap yemali engama-5 okanye e-7 efuna ukuzaliswa ngexabiso elithile leedola. Yilapho "iPeriod ethile" I-SPIA isebenza ngokugqibeleleyo nangempumelelo.
Ingeniso kuwe, okanye ilifa kwabanye
Enye indawo eqhelekileyo apho iPeriod ezithile ze-SPIA zisebenza kakuhle kukuqinisekisa ukufumana umvuzo othile ngexesha elithile kodwa nokubonelela ngemali yengeniso.
Ngezinye iithwali, ungathenga i-Period I-SPIA ethile kwixesha elide eliqinisekisile iminyaka engama-40. Ewe, loo minyaka eyi-40 yembuyekezo eqinisekisiwe! Ngokomzekelo, umfana oneminyaka engama-60 angathengisa i-Period ye-40 I-SPIA ethile eyazi ukuba akanakuphila iminyaka eyi-75 ngenxa yemicimbi yezempilo yangoku. Ukuba ubeka abantwana bakhe okanye abazukulu njengabaxhamli kwinkqubo ye-SPIA, baya kuzuza nayiphi na intlawulo xa ehamba. Ukuba wafa eneminyaka engama-70, kuya kuba neminyaka engama-30 ehlawulwe iintlawulo eziqinisekileyo kubaxhamli bepolisi. Ukuba uhlala kwiminyaka eyi-80, kuya kuba neminyaka engama-20 yokuhlawula iintlawulo. Ukuba wayephila iminyaka emi-2 waza wafa kwingozi yemoto, kuya kuba neminyaka engaphezulu kwe-38 yembuyekezo eqinisekisiwe.
Ndiyifumene?
UkuKhuselwa koKhuseleko lweMali
Esinye isicwangciso sexesha elide Iiproya ezithile zisebenzisa ixesha elifutshane lokulawulwa kwemali kwiindawo ezikhusela iindleko ezivela kwizilwanyana ezixhamlayo kunye nezigwebo ezingathandabuzekiyo.
Ixesha eliqhelekileyo Kuphela kuphela bekuza kuba ngumnyaka we-5 weeNyanga ezithile, oko kuthetha ukuba imali iya kuhlawulwa ngokugcwele kunye nomdla kwixesha eli-5 leminyaka. Olu hlobo lubonakala luhamba kwindawo, kodwa xa uzama ukukhusela ngokupheleleyo ifa lakho ... lisebenza.
Ngoko khumbula ukuba ii-SPIA zenziwe ngokwezifiso ngokupheleleyo ukuba ziqinisekise ngokuqinisekileyo izigqibo zakho. Oku kunokuthetha ukuxazulula ixesha elithile kwisithuba esithile sokuphila.
nqakraza apha ukuze ufunde enye inqaku malunga ne-SPIA
nqakraza apha ukuze ufunde ngeSicwangciso seNkcazo seNkcazo ngoku
nqakraza apha ukuze ufunde malunga Nini ixesha elifanelekileyo lokuthenga i-Annuity?