Ndeupi rudzi rwekupedzisira annuity yakakunakira iwe?
Kushandurwa kwechimbichimbi dzimwe nguva kunonzi seSSPIA, iyo inomiririra "kubhadhara mari imwe chete yeruzhinji." Vanouya mumhando dzakasiyana, asi iyo mitatu yakakosha ndiyo:
- Fixed payout
- Kubhadharwa kwezvinhu zvishoma nezvishoma
- Variable payout
Ndeipi yakanaka? Mumwe nomumwe anobata sei?
Fixed Payout Annuities
Nhamba yemari yaunowana mwedzi woga woga kubva kune imwe nguva yakagadzirirwa annuity inenge yakatarwa. Icho chichagara chakafanana munguva yose yesangano rako re annuity.
Shanyira Annuities Direct kuti uone kuti mari inobhadharwa yaunowana kubva kune imwe nguva yakatarwa zvichienderana nekuwanda kwaunoita. Nzvimbo iyi ichakubvunza yezera rako, zera rako, nzvimbo yako yekugara, uye mari yaunoda kuisa. Iyo ichakupa iwe nekufungidzira kwemari yemwedzi wega zvichienderana neshoko raunosarudza.
Kutsvakurudza kwakaratidza kuti kushandiswa kwekugadziriswa kwegore rinoshandiswa sechikamu cherongwa hwekubvisa mari yako rinogona kuwedzera mukana wekuti mari yako yekubvisa mari inotora nguva yose yeupenyu hwako. Kana iwe uchida kupinda mune zvinyorwa zve geeky, tarisa zvinyorwa zveWade Pfau pamusoro pehurukuro muThe Power of Single Premium Annuities Immediate. Anopa ruzivo rwakanyatsodzidza pamusoro pekushandiswa kwegore rinowanikwa kwemakore makumi matanhatu nemakore makumi maviri nemashanu asina murume, pamwe chete nevakaroorana. Chimwe chezvinhu Pfau vanobvuma ndezvokuti rudzi urwu rwegore rinotarisa kunakidza kwenguva refu.
Izvi zvinoreva kuti rudzi urwu rwezvigadzirwa zvemari runoita hurefu hwakareba huta-hunochengetedza mari yako inofanirwa iwe iwe kurarama kwenguva yakareba kupfuura yevhareji.
Kutengesa-Kugadziriswa Kubhadhara Annuities
An inflation-indexed instant annuity isimboti ye annuity yakagadziriswa. Iwe unogamuchira ruzivo rwakawanikwa rwekambani yeinishuwarenzi, uye iyo mari ichakwira gore roga roga maererano nesarudzo yakatemerwa.
Kuwedzera kwacho kunowanzisungirirwa kune kuchinja mumutengo wekutengesa index . Gore rinotengeswa nehuwandu hwemagetsi huchapa mari shoma shoma yemwedzi, asi mari yegore negore inowedzera zvishoma nezvenguva uye sezvo kuwedzera kwenyika kuchienderera mberi. Iko kunofanira kupedzisa kudarika mari yaunenge uri kuigamuchira kubva kune imwe yakaenzana isina chikwereti, asi inogona kutora chero ipi zvayo kubva pamakore gumi nemakumi maviri kusvika kumakumi maviri kuitira kuti mwedzi wemwedzi uwedzere kusvika pane zvaunogona kunge wakanga uine kana wakatora imwe yakasarudzwa kwete- kutengesa kwenyika kuripo kubva pakutanga.
Kamwe zvakare, kutsvakurudza kwaPfau pamusoro pekushandiswa kwemagetsi ekugadziriswa kwezvakawanda kunoshamisa. Sezvaanotaura mubasa reEfficicient Frontiers: Inflation Assumptions, Fixed SPIAs, & Inflation-Adjusted SPIAs, "Nhasi, imwe yemigumisiro yakandibata chaizvo ndeyekuti SPIA dzakagadziriswa dzakapfuurirwa zvakanyanya kudarika zvirongwa zveSIMA zvakagadziriswa." Mubhadharo wekugadziriswa kwezvigadziriswa kwezvinhu zvinotanga kuwedzera zvakanyanya zvokuti unogona kutora nguva yakareba kuti uwane.
Zvimwe Zviripo Kubhadhara Annuities
Kambani yeInishuwarenzi haigoni kupa mararamiro akachengetedzeka emari inowanikwa nechakurumidza kushandiswa annuity. Panzvimbo pezvo, mari yaunowana ichagoverwa nekushanda kwepasitoreti yemari inotengeswa, iyo inowanzochengetwa uye inosungirwa mari.
Izvi zvinoreva kuti kubhadhara kwako kuchasiyana mwedzi mumwe nomumwe, kana kuti zvingasarudzwazve kamwechete pagore. Izvo zvinoenderana nenzira iyo annuity yakarongwa.
Chinangwa chegore rakapedzisira rakagadziriswa mari yaunogona kuvimba nayo, uye iyo yakasiyana-siyana ye annuity iri musinei neizvi. Mari yekusarura mari inogona kubhadhara chimwe chinhu chakafanana asi pasina kurasikirwa kwemari.
Ndeipi Inakanakisisa Kwauri?
Nheyo yakarongeka yakapedzisira yakagadziriswa inonyanya kunzwisisika kana iwe uchida kuwedzera mari yakagadziriswa purogiramu yako yekubvisa mari. Izvo zvinoumba gorosi yemari yakagadzirirwa kuti haugone kupera. Asi kana iwe uine hanya nehuwandu hwekuwedzera kwezvinhu mumazuva ehupenyu, chigadziriso chemugadziridzo chinogona kuchengetedza ichi.
Iwe unogona kuongorora dzimwe dzimba dzekutsvaga dzinopa kudzivirirwa kwezvokutengeswa kwenyika zvakadai seZVO neBigonds vasati vatenga gore.
Iva nechokwadi chekuisa pamwe chete chirongwa chezvemari kutanga. Sangano rakarongeka rakanaka rekurega basa rinogona kukubatsira kuti uone kuti zvinhu zvipi zvinonyanya kukoshesa iwe uye, zvechokwadi, mazano emumwe nyanzvi wezvemari anogona kuve anokosha.