Yintoni i-SPDA kwaye kufuneka ufumane enye?
Ukuba ufumana imali eninzi, i-Annuality Adferable Premium (SPDA) yeeNkcazo eziKodwa, nangona igama layo elide nelinzima, likhethiweyo kwiintlawulo eziqinisekileyo ngexesha elide.
Okokuqala, i- annuity ngumkhiqizo oqinisekisa ukuhlawuleka kweentlawulo ngaphandle kokuthengisa. Njengoko uhlawula kwi-annuity, inkampani yomshuwalense izakufaka imali kwi-market. Ngokuxhomekeke kwisivumelwano, unakho ukuthetha ngendlela ezo mali ezityalwe ngayo.
Ngokuqhelekileyo, ama-annuities afika ngeentlawulo zenyanga kunye nezinye ii- IRA okanye i-401 (k) , inzuzo ikhula ihlawulelwa ngaphandle kwerhafu ize umntu athathe ukusasazwa kwemali. Zihlala zisetyenziselwa ukuqinisekisa umrhumo wenyanga ngeniso kungakhathaliseki iimeko zemarike. Cinga ngolu hlobo lwemali enjengempesheni.
Ukuyiphula
Ngoku, masibuyele ekuqaleni. I-premium enye kuthetha ukuba kukho enye intlawulo-imali enkulu. Umntu unokukhetha ukuba aqalise i-SPDA kuba bafumana ilifa, i-401 (k) ibhalansi enkulu yahamba xa umntu ehlukaniswe nomqeshi, athengise ishishini, okanye omnye umcimbi obangele imali enkulu . Ngokuxhomekeka kwintlawulo, abanye baya kuba notyalo-mali obuncinci malunga no-5,000 zamawaka okanye kwizigidi.
Ikhefu elichaziweyo linye lingaqalisi ukuhlawula ngokukhawuleza. Uya kuqala uhlawule i-akhawunti kwaye emva koko, ngexesha lokukhetha kwakho, uza kuqala ukufumana iintlawulo.
Ngenxa yokuba ama-annuities ahlala ehlawulwa irhafu , afika nemithetho efana neyezinye ii-akhawunti zomhlala-phantsi ezifumana unyango lwerhafu oluhle. Uya kufuneka ulinde de ube ubuncinane kwi-59 ½ ngaphambi kokurhoxisa imali okanye uya kuhlawula isohlwayo se-10 kwipesenti zerhafu eziqhelekileyo eziza kuhoxiswa.
Iimali zonyaka ezichaziweyo ziza kunye neziqinisekiso. Ngokuqhelekileyo, nangona imarike inomnyaka ombi, i-akhawunti yakho ayiyi kulahlekelwa yimali. Ubuncinci ongayifumana yinto. Akukho ukubuyiselwa okungalunganga. Ixabiso le siqinisekiso silahlekelwa yinto ethile. Ukuba iimarike zezemali zinonyaka onokumangalisayo, ukuzuza kwakho kuya kufakwa kwixabiso elithile kwaye inkampani yomshuwalense igcina yonke indawo.
Kwakhona, uqaphele ukuba izibonelelo zolu hlobo zizinikezele izigwebo ezikukhuthaza ukuba ugcine imali isetyenziswe ixesha elide. Ukuba kufuneka uhoxise imali kwiminyaka eyi-10 yokuqala, okanye nayiphi na umgcini-mali uya kubhala kwisivumelwano, uza kuhlawula imali yokunikezela. Abanye abatshutshisi bazakuvumela ukurhoxiswa kwamahhala kwexabiso elithile kunye / okanye ukunciphisa umrhumo wonikezelo ngamnye kunyaka de uhambe ngokupheleleyo.
Ekugqibeleni, ama-annuities achaziweyo aquka inzuzo yokufa eqinisekisa ukuba abaxhamli bafumana isixa-mali kunye naluphi na ukuzuza. Abakwazi ukufumana ngaphantsi.
Isicwangciso
Sebenzisa i-SPDA ukudala umlambo oqinisekileyo, ongenamvuzo wengeniso kamva ebomini. Esi siqinisekiso senza kube lula ukuba ucwangciso lwemali kuba luphelisa umngcipheko weemarike zezimali ukukhawuleza ngaphambi kokuba uthathe umhlalaphantsi okanye ezinye izingozi ezingalindelekanga njengezempilo okanye esinye isiganeko esigcina ukuhlawula imali.
Umcebisi wakho wezezimali uya kuthanda le ntlawulo eqinisekisiwe kuba bayakwazi ukudala isicwangciso esilula ngokucacileyo ingeniso yakho yenyanga, kunye nemiphumo yerhafu ezayo nayo.
Abazondayo
Izihlomelo ziyinhloko ekhangayo kwihlabathi lokucwangcisa imali. Abanye abacebisi bayakuthanda i-annuities kuzo zonke izizathu ezingaphezulu-ngokukodwa, kuba kunika ingeniso eqinisekileyo ngexesha apho abaninzi abanakho ukusebenzela ukuba imeko yabo yezemali ibe ngumngeni. Abanye abacebisi baxela ukuba ngenxa yokuba umvuzo uyimveliso yomshuwalense, kufuneka uphathwe njengolu hlobo. Umntu kufuneka ahlawule i-premium yenyanga ukukhusela ekulahlekelweni kunye nokudala ubutyebi obuvela ekutyala imali ngokufanelekileyo kufuneka kuvela kwimveliso yokutyalo-mali.
Ukuba umntu unesixa esikhulu, kwaye bafuna ukukubona bekhula kwaye baba ngumthombo oyintloko wemali engenayo kamva ebomini, kutheni ungadala i-IRA kwaye uyityala ngenqanaba lomngcipheko olufanelekileyo kumtyalo-mali?
Iziphakamiso ezinjengalezi ziza kuba ezinye i-annuities zinemali ephezulu xa kuthelekiswa nemveliso ethile yotyalo-mali.
Nangona i-SPDA ayinzima ukuyiqonda, kukho iintlobo ezahlukeneyo zemigaqo-nkqubo kunye neembono ezininzi zezimali eziza kunye nokukhethwa kwemali engaphezulu kwezinye iimveliso zemali. Sebenzisana nomcebisi wezezimali othembekileyo ukuba sibone okubaluleke kakhulu kwiimeko zethu zemali ezizodwa.