Iimali ezixhaswe ngokutsha (ii-CDAs) yixesha elizayo malunga neziqinisekiso zohlobo lwe-annuity. Ziyi-CDA "intlambo ye-silicon" yoshishino lokunyusa ngenxa yokuba yintoni eyenzekayo kwimveliso entsha.
Lo ngumkhiqizo wabantu abazondayo i-annuity okanye bava ilizwi elithi "annuity." I-annuity ekhethiweyo esinikezelwayo inikezela iziqinisekiso zonyaka kodwa ingenayo i-annuity.
Ukuba bekukho umkhiqizo ongenisa imali oya kufutshane ukuba "uyinto enhle ukuba uyinyaniso", ke oku oku.
Abagibeli bemali (iintlawulo eziqhotyoshelweyo kumgaqo-nkqubo) zinikwe kwiingxowa-mali ezininzi ezichasiweyo, ezifana neziguquguquko okanye ezixhaswe ngekhowudi , kwaye zinikezela ngesiqinisekiso sokufumana imali esifikiweyo esingafumaneka xa sidinga. Umvuzo ochaseneyo unjengomntu okhwela umvuzo , kodwa endaweni yokuba udibaniswe kwisakhiwo esiqhelekileyo, siqhotyoshelwe kwipotfoliyo yakho.
Ii-CDAs Zakha iSiseko esiBonelelo seNkcazo seNgeniso kwiNgxowa-mali
Kubantu ababazondayo i-annuity kodwa bathanda ukuqinisekiswa kohlobo lwe-annuity, le yile mveliso kuwe. Emva kwakho konke, awukwazi ukuzonda i-annuities, kwaye uthande iintlawulo zakho zeNtlalo yoKhuseleko ngexesha elinye. Oku kubizwa ngokuba "ukunyaniseka kwengeniso." Inyelelo efanayo ifaka kwiimali ezixhaswayo kunye nokuthi mhlawumbi i-genesis yomkhiqizo ophuhlisiwe kwindawo yokuqala. I-CDA yempendulo kumtyalo-mali ongenakukuyeka ukulawula ukunyuswa kwawo kwipotfoliyo , kodwa emva kwengqondo yabo, bayazi ukuba isiseko seemvumelwano zengeniso zentlawulo ziya kufuneka kwixesha elizayo.
Unako Ukugcina Ingeniso Yotyalo-mali, kwaye Unako Iziqinisekiso Zentlawulo
Uninzi lwabantu ludinga imali engenayo eyongezelelweyo yokudibanisa kunye noKhuseleko loLuntu, ipenshoni okanye enye intlawulo yeentlawulo-mali ezilindele ukuba zifumane. Isakhiwo se-CDA sikuvumela ukuba ube nesiqinisekiso semali esizayo ngaphandle kokuba uthenge uhlobo lokuhlawula ngokutsha kwentlawulo.
Ukongezelela, utyalo-mali lwakho lungahlala kwisitokisi samasiko kunye nohlobo lwamaqumrhu atyhutyhileyo ngelixa ugcina iziqinisekiso ezifunyenweyo kwi-CDA.
Ii-CDA ziNtsha ngokutsha, zinika Amathuba okuTyalo-mali aNcinci, kunye neeNkcazo zonyaka zingaba ziPhakamileyo
Iimali ezikhethiweyo ezichithwe ngokutsha zizinto ezintsha kunye neminikelo esilinganiselwe ngoku ikhoyo. Oku kuya kuguquka ngokukhawuleza kwexesha, kodwa ngoku, i-pickling minimal. Kukho iindawo ezincinci zeenkampani ezinika le cwangciso-qhinga le-CDA, kwaye ukugqithiswa kwemveliso kukhula njengoko abathengi beqaphela ukuba esi sicwangciso esiqhubekayo sifumaneka kwaye sifunde indlela esisebenza ngayo.
Ii-CDA zamanje zifuna ukulinganiselwa malunga naluphi uhlobo lwepotfoliyo ezinokuqhotyoshelweyo. Ngokomzekelo, awukwazi ukufumana iphothifoliyo enobudlova, kwaye unamathisele isiqinisekiso somvuzo we-CDA. Uninzi lweemfuno zeepotfoliyo ze-CDA ezikhoyo zincinci kakhulu kumbono wendawo yokutyalomali, nangona ivumela ukugcinwa kwempahla kunye nemibhonkco.
Ekugqibeleni, iifizi zonyaka ze-CDA ezithile ziphezulu, kunye nezo ntlawulo zithathelwa kwii-totals zakho zepotfoliyo.
Inyaniso Ngaba i-annuities echithwe ngokubhekiseleleyo Ixesha elizayo kwiCandelo loNyaka
Kanye njengaye nawuphi na ukuveliswa kwemveliso emitsha, kuya kuba ne-bumps endleleni kwaye iimpazamo ezenziwe njengoko uluntu luyaqonda ukuba lolu hlobo lunikelo lwemali (ingeyona i-annuity) isiqinisekiso esikhoyo.
Ngama-baby boomer angaphezu kwe-10 000 ahlala phantsi emini, ukuqonda okuqhelekileyo kunquma ukuba uninzi lwawo luya kufuna uhlobo oluthile lwemali engenayo eyongezelelweyo yokufumana isisombululo kwisigqibo sokufumana umngcipheko wexesha elide (oko kukuthi uphumelele imali). Ngenxa yokuba ishishini lokuhlawula lifumene idumela elibi ngenxa yeendlela zokuthengisa ezingalawulwayo, i-CDA "i-annuity, kodwa ayiyi-annuity" isiqinisekiso siya kuba yinto ekhangayo kwimveliso yemveli.
Kanye nje ngefowuni ephathekayo, iikhomputha, ii-IP, kunye nokusasaza komculo, ukunyuswa kwemivuzo echasiweyo kuya kuphucula ngokuhamba kwexesha njengoko kufuna imveliso kwanda. Yiyo iindaba ezilungileyo kubathengi kunye neendaba ezilungileyo kakhulu kwi-industry ye-jaded annuity.