Ziziphi iiNgcaciso zokuKhutshwa kweeNkxaso kunye neBlacktime Income Riders?

Abaqhankqalazi bahlinzeka ngemali yokufumana umhlalaphantsi ngokuqinisekileyo ngaphandle kokulahlekelwa ukufikelela kwinqununu

Kukho iindlela ezininzi zokudala umvuzo womhlalaphantsi, kodwa kuphela ezimbalwa zazo ziza neziqinisekiso.

Abagqwelisi abancedisayo bokurhoxisa kunye nabagibeli bemali yokufumana ingeniso yeempahla zibonelelwe ngeemvumelwano ezinokuthi zenzeke ngokungafaniyo-kwaye ziyakwazi ukukhangisa kuba zenza oko kanye; baqinisekisa ubungeniso bemivuzo.

Babizwa ngokuthi "abagibeli" kuba ziqinisekiso eziqhotyoshelweyo kunye nenkontileka yomshuwalense (i-annuity yintrakthi yontraki).

Baqinisekisa ukuba awuyikukhupha imali yakho . Nantsi indlela asebenza ngayo.

I-Wallet 1 vs. Wallet 2

Abagibeli abafumana imali ngenjongo yokudala oko ndibiza ngokuba "i-Wallet 1" kunye ne "Wallet 2". I-Wallet 1 yimali yangempela. Ukuba unika i-annuity yinto oyifumanayo.

"I-Wallet 2" ingeniso yokuphendula ngokubhekiselwe kuyo ngokuthi "isiseko semali". Akuyona imali yangempela. Yindlela yokwenza ingxelo esetyenzisiweyo ukubala inani lemali engenayo enokuyihoxisa xa usebenza umgibeli. Kukho ipesenteji yokuhoxisa ehlangene nobudala bakho.

Ngokomzekelo, umgibeli angakuchaza ukuba unako ukurhoxisa u-4% weyona mveliso enkulu (i-Wallet 1) okanye isiseko semali (i-Wallet 2) ukuba uqala ukuthatha ukuhoxiswa phakathi kwe-60 no-64, 4.5% xa uqala phakathi ko-65 kunye no-69, kunye no-5% xa uqala ukufumana ingeniso kwi-70 okanye kamva.

I-Wallet 2 isetyenziselwa ukubonelela ngesiphumo esincinci esaziwayo (inshuwalense), kodwa ukuba utyalo-mali lube bhetele kuneziqinisekiso ezibonelelwe yi-Wallet 2, ke ingeniso yakho ingaba mkhulu kunexabiso elincinci.

Ukufumana i-Annuity ngeRider Rider

Zizona iimveliso ezinkulu kakhulu apho, kodwa njengawo nawuphi na utyalo-mali, yenza umsebenzi wakho wesikolo kuqala. Xa ukhangele i-annuity echaseneyo enika umniki-mali okhuseleyo okanye uhlawule umvuzo, nantoni na ukujonga:

1. Qonda imigaqo yomgibeli.
   Abagibeli beengeniso zemivuzo bangathunyelwa ekusebenziseni imiqathango emininzi eyahlukeneyo, kwaye umgibeli-mpahla wexesha lokuphila akafani noko kuxhaswa okuncinciweyo okuncitshiswa. Ukuze uqonde umehluko, funda iNkcazo yeNzuzo yeNzuzo yoBomi.
   

1. Imali ephantsi.
   Iimali ezipheleleyo ozihlawula rhoqo ngonyaka, kubandakanya nayiphi na imali ehlawulwe kumcebisi wakho, kufuneka ibe ngu-3% ngonyaka okanye ngaphantsi. Ukubona uluhlu lwazo zonke iirhafu ongazenzayo Ukufunda Imirhumo yeeNkcitho kunye neNdleko .
   
2. Akukho Mxhaphazo efunekayo
   Unqwenela ukufumana umgibeli wokungcebeleka obuncinane oqinisekileyo wokufumana ukukhishwa kwemali engenakudinga ukuba unqande isivumelwano sakho ukuze usebenzise umkhwele. Ithetha ntoni le nto? Kuthetha ukuba unako ukurhoxisa imali eqinisekisiwe ngamnye ngonyaka (5% umzekelo), kodwa ukuba ufuna, unako ukufikelela kwinqununu yakho eseleyo (nangona ukwenza oko kunganciphisa inani lemali engenayo onokuyihoxisa). Kwakhona kuthetha ngokufa kwakho, nayiphi na imali eseleyo ikhona ukuze idlule kwiindlalifa.
   
3. Isinyathelo sonyaka senyuka esivala kwisiseko sakho semali engenayo.
   Le nto ithetha ukuba imali yakho yengeniso iyakhuphuka kuphela, ingabi phantsi. Ingaba isebenza kanjani? Unyaka ngamnye kwisikhumbuzo sakho seminyaka-mithathu, inkampani yenkampani iya kubheka ixabiso le-akhawunti yakho. Ukuba kuphakamileyo kunokuba bekuyiminyaka engaphambili, isixa esitsha siba sesiseko sakho semali apho inzuzo yokurhoxiswa eqinisekisiwe okanye umgibeli-mali wokufumana imali. Ukuba ixabiso lesivumelwano singaphantsi kwelo nyaka, ingeniso yakho yengeniso iya kuhlala njengoko kunjalo, ngoko isiseko sakho semali engenako asikwazi ukuhla; kuphela.
   

1. Inkampani yomshuwalense enokulinganisa komgangatho.
   Isiqinisekiso sisilungileyo nje ngenkampani ejongene nayo. Ngokomlando, inkampani yomshuwalense iqinisekisa ukuba yinto enokuyithemba kuyo. Ukukhuseleka qiniseka ukuthenga kwiinkampani ezinokulinganiswa komgangatho. Ukufumana ukhuseleko olongezelelweyo abanye abantu bakhetha ukukhetha iinkampani ezimbini zeenkonzo zomshuwalense ezinobunini ezibonelela ngeenkqubo ezichazwe ngasentla, kwaye zisasaze imali yazo.

Ukuba ukhangele i-annuity eneengeniso ezifumanekileyo endikucebisa ukuba ndikhangele i-AnnuityFYI, egcina uluhlu oluhlaziyiweyo lweminyaka ekhuphisanayo enikezela ngenzuzo encinci yokurhoxiswa okanye ubuncinci bemali yokufumana imali.