Ngamaxesha amaninzi, ndixelelwa inguqu yokuba "Andiyithandi iifom ngenxa yokuba xa ndifa, leyo nkampani iyayigcina imali." Ezi zintlonelo ezijoliswe kakuhle, kodwa ezingaziwayo zibhekisela kwi "Life Life kuphela". I-Annuity (SPIA).
Ewe, isakhiwo soBomi kuphela sisekhona nge-SPIA, kodwa kukho ezinye iindlela ezininzi zokuseka iintlawulo eziqinisekisiwe ukuqinisekisa ukuba kukho isiqinisekiso sokutshintshwa okupheleleyo kwe-premium endaweni, xa kwenzeka into ethile kusenkontileka.
Yenza ikheke (Ubomi) kwaye uyidle (i-Périod Certain)
Ndiyayithanda ilizwe lethu. Asihlalanga nantoni na. Siza kubuza imibuzo efana nesizathu esithi "Kutheni singenako ukuyenza?" Okanye "Kutheni ungeke ukwazi ukutshintsha loo nto?" Okanye "Kutheni ndingenako ukuyenza ngendlela endifuna ngayo?" Oku kwenzeka xa abantu beqala ukubheka ukuzama ukwenza ngokwezifiso i-Single Premium Annuities Immediate Annuities (SPIAs). Abantu babethanda isiqinisekiso semali yokufumana imali kwaye bafuna ukuqinisekisa ukuba kukho ixesha elichanekileyo lokuba umrhumo wemali uza kuhlawulelwa ukuba umxhasi wayehlala esaphila okanye engekho. Kwihlabathi le-SPIA, oku kubizwa ngokuthi "Ubomi kunye nexesha elithile."
"Ubomi" sisengqalelo
Kubalulekile ukuqinisekisa ukuba iqela elibalulekileyo le "Ubomi kunye nexesha elithile" isakhiwo se-SPIA yi "Ubomi" inxalenye.
Kungakhathaliseki ukuba iPeriod Isiqinisekiso esithile esiqhotyoshelweyo, "Ubomi" kuthetha ukuba umphathisi-mali okhuphayo ungoko lokuhlawula kungakhathaliseki ukuba ixesha eliphilileyo lokuphila. Umxhasi ngumntu, okanye abantu, ixesha lokuphila kwakhe ukuhlawulwa kwentlawulo kusekelwe kuyo.
Makhe sibone imizekelo embalwa yokwenza i-SPIA "Ubomi kunye nexesha elithile":
Ubomi & Unyaka ongu-5
Isakhiwo se-SPIA siqinisekisa ukuhlawulwa kwexesha lokuphila, kungakhathaliseki ukuba uhlala ixesha elingakanani. Unyaka wesi-5 inxalenye ethile yekhontrakthi ithetha ukuba kuya kubakho ubuncinane be-5 yeentlawulo. Ngokomzekelo, ukuba usweleka ngonyaka 2, kuya kubakho iminyaka emithathu yentlawulo kuyo nawuphi na umntu obhalise njengomzuzi-mgaqo-nkqubo. Ukuba uhleli iminyaka engama-6 waza wafa, bekungekho imali esele isele kubaxhamli bepolisi.
Ubomi & Unyaka ongu-10
Isakhiwo se-SPIA siqinisekisa ukuhlawulwa kwexesha lokuphila, kungakhathaliseki ukuba uhlala ixesha elingakanani. Unyaka-10 inxalenye ethile yesivumelwano iqinisekisa ukuba kuya kubakho ubuncinane beminyaka eyi-10 yentlawulo. Ukuba uthe wafa ngonyaka we-4, kuya kuba neminyaka engaphezulu kwe-6 yeentlawulo zesikontraki kubaxhamli abaluhluweyo kumgaqo-nkqubo. Ukuba uphila iminyaka eyi-11, waza wafa, bekungekho mrhumo wemali oza kubelwa abaxhamli bepolisi.
Ubomi & Unyaka ongu-30
Isakhiwo se-SPIA siqinisekisa ukuhlawulwa kwexesha lokuphila, kungakhathaliseki ukuba uhlala ixesha elingakanani. Unyaka wama-30 inxalenye ethile yomgaqo-nkqubo iqinisekisa ngokuqinisekileyo ukuba kuya kubakho ubuncinane beminyaka engama-30 yentlawulo. Ukuba udlulileyo ngonyaka we-13, kuya kubakho iminyaka engaphezulu kwe-17 yeentlawulo eziya kubalandeli abaxhamliweyo bomgaqo-nkqubo.
Ukuba uhleli iminyaka engama-31 kwaye emva kokufa ngelanga, bekungekho mali kubaxhamli.
Batshatile!
Ukuba awukholelwa loo mazwi, babuze! Ii-Annuities eziPhezulu zodwa (i-SPIA) zivumela ukuba uhlele umgaqo-nkqubo othi "Ubomi obudibeneyo" ukujonga iixesha ezimbini zobomi.
Kwakhona kubalulekile ukwazi ukuba ixesha elide lide, lihlawule inani lemali. "Ubomi kunye noNyaka onguNyaka o-5" uya kuba nekhontrakthi ephakamileyo kunesivumelwano esithi "Ubomi kunye nesakhiwo esithile seNyaka engama-30".
Ngoko unokufumana ikheke (Ubomi) kwaye uyidle (i-Period ezithile) kunye ne-Premium yodwa ye-Annuity Immediate. Jabulela isiqinisekiso sokufumana imali!
Andiqinisekanga ukuba ufuna i-annuity? Cofa ukuze ufumane Indlela yokujonga ukuba ufuna Unyaka
Fakela zonke iziseko! Cofa ukuze ufunde Indlela yokuQinisekisa ukuKhuseleko kweNkonzo yokuThengisa
Ingaba lixesha elifanelekileyo lokufumana i-annuity? Cofa ukufumana ixesha elihle lokuthenga i-Annuity