Mutungamiri weMutangisi weKunzwisisa Matanho
An annuity is contract contract. Vanhu vazhinji vanofunga nezvegore rose sekutsvaga mari, asi apo iwe unotenga chikwereti, uri kutenga inshuwarisi. Iwe uri kuvimbisa kuguma.
Iwe unoisa mari muchibvumirano cheinishuwarenzi kana mutemo, uye kambani ye inshuwarisi inokupa iwe chivimbo chekuti iwe uye sei iwe uchawana mari iyoyo zvakare, kana kuti chidimbu chekutora mari yako ichawana.
Iko kune mhando dzakawanda dze annuities sezvo pane zvizvarwa zvembwa, uye rudzi rumwe norumwe runoshanda zvakasiyana.
Nemhaka yokuti kune marudzi akawanda ezvinyorwa zve annuity, izvi zvinotungamirira kune zvakawanda zvakavhiringidzika pamusoro pokuti chii chakaitika uye kuti chinoshanda sei. Iwe ungangodaro wakanzwa nharo dzakasimba uye nekupesana nemari, asi chokwadi ndechokuti zvose zvinoenderana nemhando ipi ye annuity yauri kutaura nezvayo uye zvauri kushandisa nayo.
Ngatitarisei pamarudzi mashanu ehurukuro yamungangosangana nawo - zvakangoita annuities, annuities yakagadziriswa, annates annuities, variable annuities, uye annuities yakarondedzerwa - uye ona kuti rudzi rumwe rwe annuity runoshanda sei.
Chii Chine Nguva Yakawanda?
Nenguva inotevera, iwe unopa kambani ye inshuwarisi mari yakawanda yemari, uye vanokubhadhara chikwereti chakavimbiswa chemari yaunowana pamwedzi. Vanobhadhara mari kana nguva yakatarwa, yakadai semakore gumi (izvi zvinonzi izwi-rimwe annuity ), kana ivo vanovimbisa kukubhadharai chero bedzi mauri kurarama.
Funga nezvegore rinokurumidza rinoripira pamusoro pehupenyu hwako hwose sejasi rekiki. Iwe unopa kambani yeinishuwarenzi yako mari (bhaji yakakwana yekiki), uye vanokudzosera zvakare kubhokisi gore negore.
Kana chirongo chikava chisina chinhu, vanovimbisa kuramba vachikupai makiki chero zvakadaro, kwemakore akawanda mauri kurarama. Mukudzoka, unobvumirana kuti kana wavapa iyo chirongo, haugone kusvika uye wotora cookie chero nguva. Kana gore rimwe chete iwe unoda zvitori zvitatu, unofanira kutora kubva pane imwe nzvimbo - kwete kubva muhari iyo.
Izvi zvisingagumi zvekugadzirira zvekiki zvinoreva upenyu hwekubhadhara annuity inzvimbo yakanaka yekurarama kwenguva yakareba. Hazvina mhosva kuti iwe uri kurarama kwenguva yakareba sei, uye zvisinei kuti mari yako yakawanda sei yaunopedza nguva isati yasvika pakubata basa, iwe ucharamba uine cookie gore negore. Kune vakwegura vakaroorana vasati vasara, gore rinowanikwa rinogona kubatsira kubatsira kuti varege kupedza mari yavo.
Chii Chinonzi Annuity Yakachengetedzwa?
A annuity yakagadziriswa isungano nekambani ye inshuwarisi iyo inokupa iwe chidimbu chechido chekuda pane iwe wekutsvaga kwako. A annuity yakagadzirisa inoshanda zvakawanda seSitifiketi cheDhipatimendi (CD) yakabudiswa nebhangi. Panzvimbo pebhangi unovimbisa chikwereti chako chekuda, kambani ye inshuwarisi iri kupa chivimbiso.
Negore rakagadziriswa, chido chinowedzera mutero-wakatarwa. Iwe unobhadhara mutero paunotora kubvisa. Chido ichocho chinodzingwa asati ava nemakore 59-1 / 2 chinotarirwa ne10 muzana kutanga-kubvisa chirango chemutero, pamwe chete nemitero yemari inowanikwa.
Nharaunda inofarira inowanzovimbiswa kwenguva yakatarwa yenguva, yakadai semakore mashanu kana gumi. Mushure mekunge nguva iyo yakapera, kambani ye inshuwarisi ichakuudza kuti chidimbu chako chechibereko chichave chei. Panguva iyoyo, iwe unogona kupfuurira gore, kuchinjana kune imwe yakasiyana ye annuity, kana (kufanana neCD) mari iyo uye uchisarudzira kuisa mari kune imwe nzvimbo. (Kana iwe uchitenga mari yacho, iwe uchabhadhara mitero pane zvakakonzerwa nemitero-inoderedzwa kufarira.)
Zvikwereti zvakanyanya zvakagadziriswa zvinopa mhosva, saka kana iwe uine mari mumwaka wekutanga, iva akagadzirira kubhadhara mari yakawanda. Gore rakasarudzwa rinogona kuva sarudzo yakanaka kana iwe uchida kutyiswa kwepasi-pfupi, inogona kunge iri mubhadharo wepamusoro apo iwe uchibvisa mari yacho, uye unoda kusiya mari yako muchibvumirano chekuda kwemaawa.
Chii Chinonzi Annuity Inoxed?
An index annated is a type of annuity fixed which often called fixed fixed indexed annuity (FIA) or an equity-indexed annuity. Nemhando iyi ye annuity, kambani yeInishuwarenzi inopa zvishoma zvishoma zvakadzoka kudzoka pamwe nekwanisi yemamwe maropafadzo uchishandisa chirevo chinobatanidza kuwedzerwa kwekombikiti yako kuenda kumusika wekambani index.
Indexed annuities ine zvinhu zvakakomba zvakadai sekubatanidzwa kwemazana uye mazana emapapiro anotsanangura maitiro ekutarisa kwawakaita iwe. Enzanisa zvinhu zvakadaro nechemberi paunoona rudzi urwu rwechigadzirwa. Funga nezvechigadzirwa ichi seCD pane imwe nzvimbo, kwete seimwe nzira yekuenzanisa. Kana mumwe munhu achizvipira kwauri seimwe nzira yekuenzanisa, funga kaviri.
Dzimwe annuities dzakarongeka dzinewo zvinhu zvinotsigira mari yaunogona kutora mushure mekurega basa. Iko rudzi rwechigadzirwa chinonzi deferred indexed annuity, uye inogona kuva sarudzo yakanaka kune mumwe munhu anenge makore 10 kubva pakubhedha, sezvainovimbisa mari yavanowana mune ramangwana.
Chii Chinonzi Annuity Yakasiyana?
A variable annuity is contract nekambani ye inshuwarisi iyo yaunosarudza kusarudza kuti mari iri mukati mekontrakiti inotengeswa sei. Kambani yeInishuwarenzi inopa urongwa hwemari (inonzi sub-accounts) kusarudza kubva. Inonzi shanduro annuity nokuti iyo inodzorera iwe yaunowana inobva yakasiyana zvichienderana nemari yaunenge uchiita. Kusiyana neizvi nechinangwa chakachengetwa, iyo kambani ye inshuwarisi inopa chibvumirano chekupa chikwata chekuda.
Kuisa mari mukati mekushandurwa kwe annuity kukura mitero-yakaderedzwa, saka, sezvinenge mukati meARA account, unogona kuchinjana pakati pezvikwereti pasina kubhadhara mari inobhadhara mitero.
Nokuda kwegore rinoshandiswa kuti rikwanire segurisi reinshuwarisi, zvigwaro zvinofanira kupiwa.
Rudzi rwechirongwa chinowanzovhiringidza ruvimbiso rwekufa runovimbisa kuti paunouraya chikuru chechibvumirano chazvino chiriko kana kuti zviyero zvakakwana zvezvipo zvako (zvisizvo chero zvipi zvako zvinotora) zvichabhadharwa kune waunowana. Semuenzaniso, kana iwe ukaisa $ 100,000, uye mari yacho yakaderera inokosha ku $ 90,000, uye iwe wakapera panguva iyoyo, kontrakiti yaizotora $ 100,000 kune yako yainzi api. Kana hupfumi hwacho hwakakwira uye hwakakosha madhora 110 000, kambani yacho yaizobhadhara madhora 110 000.
Nhasi kushandurwa kwemakore kunouya nehuwandu hwekufa hunobhadharwa uye vanorarama vari kukwira zvikwereti vanovaita chimwe chezvinhu zvakaoma zvikuru zvevatengi zvemari zvandakaona. Nokuda kwekutsvaga mari, mari yekuenzanisira inowanzova sarudzo iri nani kudarika variable annuity. Nechinangwa chemigumisiro yakavimbiswa, mamwe marudzi e annuities ari nani. Izvo hazvisiyi mamiriro akawanda ekuti annuity yakasiyana isarudzo yakanaka. Pamusana pekuregererwa kwemitero, kushandiswa kwemitero, gore rakasiyana rinogona kunge riri sarudzo yakakodzera kune wechidiki anowana mari yakawanda uyo ari kutowedzera makumi 401 (k) zvirongwa uye mipiro yeIRA uye ari kutsvaga imwe nzvimbo yekuisa mari iyo inogona kukura mutero- yakaderedzwa kwemakore makumi maviri nemakumi matatu.
Chii Chinonzi Annuity Yakasarudzwa?
Negore rakasununguka , iwe unopa mari nhasi, uye ruzivo rwekuwana mari inotsigirwa kutanga panguva yakatsanangurwa mune ramangwana, kazhinji makore anenge gumi kubva panguva yaunotanga kutenga iyo annuity. Izvi zvinogona kubatsira kuderedza dambudziko rekuti kudengenyeka kukuru mumusika wekutengesa kunogona kukuvhiringidza zuva rawakarongedza basa rekurega basa.
Zvizhinji zvizhinji zvakasimbiswa, zvisingatsananguki, uye zvinokonzera zvinopa kuve nekodzero iyo iwe une mukana wokutenga mari yakavimbiswa yemari yeramangwana. Zvinhu izvi zvinowanikwa nemazita sekusunungurwa kunobhadhara kunobatsira, kurarama kubatsiro, vatasvi vematarenda vanovimbiswa, nezvimwewo.
A deferred annuity inogonawo kunzi "longevity inshuwarisi" uye pane rudzi rwemhando yakasarudzwa ye annuity, inonzi Qualified Longevity Annuity Contract (QLAC) yaunogona kutenga ne 401 (k) kana IRA mari yako. NeQLAC, mari inowanzowana inotanga pazera remakore makumi mashanu nemashanu, saka unotenga rudzi urwu rwegore kuti uone kuti iwe uchange uine huwandu huwandu hwekuwana muhukuru hwako.
Sezvaunogona kuona, annuities yose haisi yakafanana. Mhando ipi neipi ye annuity inogona kuva sarudzo yakanaka kana iwe uchiziva kuti sei uri kutenga uye kuti iwe uchishandisa sei - uye chero upi zvake unogona kuva chisarudzo chakaipa kana usinganzwisisi kuti rinoshanda sei.