Kunzwisisa zvinyorwa zvakanaka
Pane Chero Chekuzvidzivirira Kune Mhosva Yezvakawanda Zvangu Annuity?
Zvizhinji zvakasiyana-siyana zvinokonzerwa nemari inokwidza mari yaunonzi kupira mari yaunoshandisa iwe kana iwe ukabvisa kontrakta usati wapera nguva yakati yapera. Handiri kukurudzira kubvisa chikwereti chinoshandiswa gore rakasiyana kana iwe uchizobhadhara mubhadharo wekuzvipira - kunze kwekuti mari yomukati inenge yakasiyana ye annuity yakakwirira kudarika kuregererwa kwekubhadhara.
Kana shanduko yako annuity ine chikwereti chekuzvipira, bvunza kana kupiwa mhosva kwacho kusingazoshandisi.
Chii Chinonzi Kufa uye Kudhura Kwokudhura paAnhuu Yangu Yakasiyana?
Zvose zvinokonzera annuities zvine kufa nekubhadhara mari. Kazhinji ichabva kubva pasi pe40% pagore pane pasina mutoro annuity , kusvika kumusoro kwe135% kune annker-sold sold annuities.
Pane Izvo Zvimwe Zvimwe Zvinotarisirwa Kubhadhara? Kana Zvakadaro, Zvakawanda Zvakadini?
Zvimwe zvinokanganisa annuities zvine mubhadharo wekutarisira pamwe nekufa nekubhadhara mari. Inogona kubva kubva .15% kusvika .35% pagore.
Iko kushandurwa kwangu annuity kune chero vatasvi vezvokwadi here?
Vatasarudza vekutasva vangangodaro vakawedzerwa kune mutemo wenyu wekusiyana we annuity pawakatenga. Vanogona kuva vafambi vanobatsirwa nerufu, izvo zvinovimbisa kuti chii chaizobhadharwa kune waunobatsira paunenge wafa, kana kuti varwi vanobatsiridza, vanopa zvipupuriro nezvekuti mari yakawanda yaunogona kuigamuchira kubva mugore rekupedzisira.
Mutongi Mumwe Nomumwe Anoshanda Sei, Uye Chii Chinodiwa?
Vatasarudza vatasvi vemabhiza vane mari inogona kubva kune inenge .25% kusvika .75% pagore. Vatasvi vangave vakaoma, saka bvunza vamiririri vebasa rekutengesa kuti vatsanangurire iwe nenzira yaunogona kunzwisisa. Bvunza kana mutasvi waro achishanda iwe uchiri mupenyu, kana chete kana iwe ukafa .
Kana iri rubatsiro runorarama, bvunza kuti zvii zvaizofanira kunge zviri panzvimbo kuti mutasvi uyu ave anokubatsira iwe. Kana iwe usinganzwisisi mhinduro dzaunowana, bvunza zvakare. Ndiyo mari yako. Kana iwe uri kubhadhara mumwe munhu akatasva, iwe une kodzero yekuziva rudzi rwekubatsirwa kwauri kuripa.
Mutungamiriri Anogona Kuderedzwa Here?
Dzimwe nguva vatasvi vese vanogona kudonhedzwa, kuderedza mari mukati mekushanduka kwenyu annuity. Kana iwe ukasarudza mutasvi haafaniri kupa mutengo unokosha, bvunza kana mutasvi anogona kukonzerwa.
Ndeapi Murairo Wemari Yomukati Pasi Pasi Pasi Paya?
Muchikamu chechinoshandiswa annuity, mari yekutsvaga mari inoshandiswa ichinzi sub-accounts. Nhengo imwe neimwe-nhoroondo ichava nemari yekufambisa kana mari yekushandisa. Izvo zvinodhura zvinogona kubva kubva .45% kusvika ku 2.00% pagore, zvichienderana ne-sub-account.
Chii Chazvino Mafuro Okufa Pamusoro Pezvakawanda Zvangu Annuity?
Kana zvikwereti zvakaderera pasi, kukosha kwekufa kwekushanduka kwako annuity kungave kwakakwirira kudarika ikozvino kukosha kwekutsvaga. Zvinoreva kana chimwe chinhu chakaitika kwauri, muwani wako angabatsirwa nokugamuchira mari yakakwirira. Kana izvi zviri izvo, funga kaviri usati wabvisa annuity yako.
Kana wambobvunza mibvunzo pamusoro pegore rako, zvichienderana nemhinduro dzaunowana, iwe ungada kufunga kuchinjana kushandura kwako annuity kune dzimwe nzvimbo dzekutsvaga nemari shoma .
Nokuda kwemuenzaniso, tarisa kuti imwe yakasiyana ye annuity yakabatanidzwa sei kana ichienzaniswa neongorori mari mu Variable Annuity Comparison .