Yiyiphi i-Annuity Deferred?

I-Fixed, Variable, Equity Indexed kunye nobude obude - Zonke iifom ze-Annuities ezikhethiweyo

Ngenkcitho echasiweyo, ubeka imali yakho nenkampani yomshuwalense (ngokutyalomali kwi-khontrakthi yenkxaso-mali engaguqukiyo, echanekileyo-indexed, okanye yexesha elide) kunye neerhafu nakweyiphi inzuzo yokutshala imali ihlelwa kwithuba elinjalo njengoko uthatha ukuhoxiswa. Naliphina inzuzo ehoxisiwe ngaphambi kokuba ube neminyaka engama-59 ½ ubudala iya kuthotyelwa irhafu yentlawulo ye-10% ngaphezu kweerhafu zerhafu eziqhelekileyo.

Kubhaliswe kwisivumelwano sakho sokubanjiswa kwemali esiya kuthi kube yinto yokukhetha ukuguqula umvuzo wakho wokuba unyaka emva kwithuba elithile elidlulileyo; Ngokwenene uvumela imali yakho yokufumana umvuzo kuze kube yilapho unomnqweno wokuguqula utsalo-mali ube ngumlambo ongenayo.

Iingxowa-mali ezikhethiweyo ziza nazo zonke iindidi zeempawu (ngeendleko) ezibonelela ngeentlobo ezithile zeenzuzo zokufa kunye / okanye iimbuyekezo zengeniso ezayo. Nantsi ingqungquthela yezinto ezine eziphambili zeminyaka ehlawulwayo; ezinqamlekileyo, eziguquguqukayo, ezilinganiselweyo-kunye nexesha elide.

Annuity echaziweyo

Umvuzo ochanekileyo ochaziweyo usebenza ngokufana nesatifikethi sokupaka; ngaphandle kokuba ucele inzala yengeniso kwimbuyekezo yakho yerhafu ngonyaka, inzala imisiwe kuze kube yithuba elinjalo njengoko uthatha ukurhoxiswa kwintraka yesivumelwano. Xa uthengisa i-annuity echaziweyo, inkampani ye-inshorensi iya kukuxelela inzala eqinisekileyo yemali yakho iya kuzuza.

Kubangasomngcipheko abatshali-mali abangenayo imfuno yengeniso kwi-investment yabo ukuya kwi-59 ½ yobudala okanye emva koko, ama-annuities angaguqukiyo abe yinto ekhangayo. Ngaphambi kokuba uthenge i-annuity echanekileyo ukuthelekisa ukubuyiswa okunikezelwa kwezinye iindawo ezikhethiweyo zotyalo-mali ezifana nezitifiketi zentlawulo, kunye neebhondi zikaRhulumente .

Annuity echaziweyo

Ukutshala imali kwi-variable echasiweyo yonyaka uninzi nje ngokuba neqela leemali ezihlangeneyo. Ezi zimali zibizwa ngokuba yi-sub-akhawunti xa zihlawulwa. Unokulawula umyinge wobungozi bokutshala-mali owukhethayo kwiluhlu olukhethiweyo lwee-akhawunti ezibandakanya zombini utyalo kunye nokulingana kwemali.

Iingeniso zakho zotyalo-mali ziyahlukahluka ngokubhekiselele ekusebenzeni kwala ma-akhawunti angaphantsi.

Ngaphezulu kwexesha elide, ngaphezulu kweemeko zemarike, abatyali-mali baya kuba ngcono ekutyala imali kwiipotifoliyo zeengxelo zengxowa-mali, kunokuba kubekho i-annuity variable, kwezi zizathu zibini zilandelayo:

1. Qaphela Ukutshatyalaliswa kweRhafu yeNtlu yeeNkcitho ezahlukeneyo - Ngenxa yokuba utyalo-mali luphakathi kwenyanga, zonke iirhafu zichaswa de kubekho ixesha njengoko uthatha ukuhoxiswa. Ukumiswa kweerhafu kwintlawulo eguquguqukayo kudlalwa njengenzuzo ngabathengisi bentengo, kodwa kuninzi, inokuthi ibe yinto engalunganga. Imirhumo ingaba phezulu xa umhlala phantsi, ungaphantsi.
2. Abahlawuli be-Annuity Riders kunye neeNzuzo zokuFika kuza kwiiNkcitho eziPhakamileyo - iinkampani zenkampani zinikeza inqaku elipheleleyo lezinto ezibizwa ngokuba ngabagibeli. Aba bagibeli banokubonelela ngeengxelo zokuqinisekisa ukufa kunye neengqinisekiso zokufumana imbuyekezo, ngokuqhelekileyo kwiindleko eziphezulu eziphazamisa ukubuyiswa kwakho kwezolimo. Unyaka oluninzi lweempawu zihlawula iimali ezingaphezulu kwe-3% ngonyaka.

Equity-Indexed Annuity

Imisebenzi ehlawulwa ngokulingana-mali efana ne-annuity ekhethiweyo ngeendlela ezithile, kwaye kufana ne-variable annuity ngezinye iindlela. Ngokwenene, luhlobo lohlawulelo oluchanekileyo.

Ukuhlawulwa kwe-Equity-indexedities inezinto ezibini: ukubuyiswa okuqinisekileyo okuncinci, kunye nethuba lokufumana imali ephezulu ngokubuyisela i-akhawunti yakho ngokubuyisela ngokusekelwe kwifom ehlanganiswe nenkcazo eyaziwayo yemakethe ye-stock, njenge-S & P 500 Index.

Iifomula ngaphakathi kwe-equity-annuity annuities ziba nzima ukuba umntu oqhelekileyo aqonde, kwaye i-annuity-equated annuities ihlala inika iindleko eziphezulu (eziyiminyaka elishumi ukuya kwishumi elinesihlanu).

Iminyaka engama-Annuity

Xa uthengisa i-longuity annuity, kufana nokuthenga "inshorensi yokuhlala ixesha elide". Ngokomzekelo, ukuba uneminyaka engama-60, ubeka i-$ 100,000 kwi-annuity. Inkampani yomshuwalense iqinisekisa ukunika inani elithile elifumanekayo lokufumana ingeniso kwi-85 ubudala. Oku kuya kukushiya sikhululekile ukuchitha ezinye ii-asethi, ukwazi ukuba unokufumana umvuzo onokuqinisekileyo wokuncedisa kamva ebomini. Imirhumo kunye nengeniso kulolu hlobo lonyaka lugqithiselwa ukusukela kwiminyaka eyi-85 xa uqala ukuthatha imali.