Zvivimbiso zvinosanganisira zvivimbiso zveshurenzi zvinogona kushandiswa pakuchengetedza mari uye zvino kutora mari kubva kune iyo mari.
Maitiro Anokurumidza Anoshanda Sei
Paunoshandisa purogiramu imwe chete nokukurumidza annuity (SPIA), iwe unoisa chikwama-chema chemari (yako " premium payment ") nekambani yehushuwarisi.
Zvadaro, kambani iyo inowanzopa mari yekubhadhara mari yako (iwe unowana mwedzi wega wega kana wekubhadhara kwegore, somuenzaniso). Mari iyo inogona kuuya semapepa ekuongorora kana magetsi ekubhadhara zvakananga kubhengi yako yebhangi .
Kana ukangotenga nguva yakatarwa uye uchitora mari (inonziwo "annuitizing"), kazhinji hauna kudzokera shure: iwe wakaita chisarudzo chisingachinji uye chakaoma, chinodhura, kana chakaoma kuti ubudise mazviri (asi pane nguva dzose zvisarudzo). Mukudzoka, kambani ye inshuwarisi inopikira kuramba ichikubhadhara kwauri.
Kubhadhara kwechimbichimbi kwakasiyana nezvakaitwa gore rakasarudzwa , izvo zvinongoramba zvakabatira mari yako (panzvimbo yekubhadhara mari).
Zvikwereti zvakadini zvinobhadhara?
Kuwanda kwemari yaunowana kunobva pane zvimwe zvinhu. Zviri pachena kuti paunowedzera, iwe unowedzerazve. Asi iwewo une zvisarudzo zvekuti mari inobhadharwa sei. Somuenzaniso, unogona kusarudza chimwe chezvinotevera:
- Iwe unowana mari yakachengetwa kwehupenyu hwako hwose-zvisinei kuti uri kurarama kwenguva yakareba sei
- Iwe unotora chikwereti kwemakore gumi kana makumi maviri, kana vatsigiri vako vanowana mari iyo iwe usingararami kwenguva refu
- Maripo inoguma chero bedzi iwe kana mudzimai wako muchiri vapenyu
- Zvimwe zvingasarudzwa, zvichienderana neshuwairi yako
Kubhadhara kukuru kune kazhinji kunouya nechisarudzo chokutanga - imwe nguva yeupenyu hwose.
Kana iwe uchida kuti zvikwereti zvigare nguva dzose apo vanhu vaviri vachiri vapenyu, kambani ye inshuwarisi iri kutora ngozi yakawanda uye inoderedza mari yako zvakakodzera.
Chii chinoitika paanofa?
Kana iwe ukasunungura uye ukasarudza zvikwereti zvoupenyu, iyo mari inowanzosimira paunenge wafa (kana rufu rwechipiri, kana ukasarudza pamwe chete mari yekubhadhara). Zvichida kana iwe usati wauya mberi zvinotarisirwa, pakati pezvimwe zvinhu, kuti uri kurarama kwenguva yakareba sei. Kambani yeInishuwarenzi inonyatsozivikanwa nehuwandu, saka kana iwe uchirarama upenyu husingatarisirwi hurefu, unogona kuguma kuwana chikamu chakanaka. Asi kana iwe ukafa mumwedzi miviri uchitora mari uye usina kusarudza "nguva yakati" (yakadai semakore gumi), kambani yveshuwarisi inogona kungochengeta mutungamiriri waunowedzera mu annuity.
Kunze kwekuti iwe unogona kufanotaura kuti uchagara kwenguva yakareba sei, pane nguva dzose njodzi yekushandura nguva yakatarwa. Saka zvinokosha kuti uongorore zvakananga njodzi uye uenzanise dzimwe nzira (zvichida iwe unogona kungotora pasi pfuma yako usingashandisi kambani yveshuwarenzi).
Matambudziko
Mukuwedzera kune ngozi yekurarama hupenyu hutsva, annuities yakanganisa dzimwe nguva inogona kuoma. Kune marudzi akasiyana-siyana anowanikwa kubva kune vakasiyana-siyana vakapa. Vamwe vimbiso yekuchengetedzwa kwenyika uye kupa mamwe mabhero uye nyere, asi kune nguva dzose mutengo wokubhadhara zvimwe zvikamu.
Imwe ngozi ndeyokana yekambani yako ye inshuwarisi ichienda kubhenda-up. Vatsigiri vehurumende havasi hurumende yakavimbiswa semabhanki akachengeterwa FDIC , saka iwe unoda kusarudza vakatsigiri vakasimba (uye tariro ivo vanoramba vachiramba vakasimba munguva yose yeupenyu hwako).
Kutenga gore rakapedzisira riri chisarudzo chikuru. Inogona kupa mari yakawanda seyemarikiti yawakakurira, asi annuities haisi yevose. Taura newemagadziro emunharaunda yako uye kurukurai dzimwe nzira dzisati dzaita usati wambotora dambudziko.
Kuzivisa kunokosha
Iyi peji ine ruzivo rwehutano hwezvemari pamusoro pekuita mari, asi hazvirevi mamiriro ako ega, uye hazvirevi kune chero mutemo waunotarisa. Kurukura zvaunogona kuita neanoronga mari, taura nemunharaunda yako yerishuwarenzi mumiririri, uye verengai kambani yese yveshuwarisi nyora zvakanyatsonaka.
Izvo zvinogona kunge zvakasiyana, uye zvinhu zvingadai zvakashanduka - uye iwe hausi kuda kuita chero zvingambofunga pamusoro pechinhu chinokosha sekuwana mari yeupenyu.