Kupirira Kwenguva Nguva Yekushanda
Kana yako annuity ine "nguva yokuzvipira," tora maminetsi mashomanana okutsvakurudza kutsvaga mhaka asati usvitsa chero mari kubva kune iyo annuity. Nguva yekuzvipira inguva yekuti iwe unofanira kuchengeta mari yako mumakore ekudzivisa kubhadhara chirango chemhosva kumakambani einishuwarenzi.
Iwe unowanzo (asi kwete nguva dzose) wakabvumirwa kutora mari panenge paunenge uchida - asi kana ukatora nguva yakawanda panguva yekuzvipira iwe uchabhadhara zvikuru.
Kupirira Kwenguva Nguva Yekushanda
Kuzvipira nguva dzinowanzopedza makore manomwe kana masere, asi mamwe maitiro anowanikwa (kusanganisira makore mana, makore ezero, uye makore anopfuura gumi). Yenguva inotanga kukanganisa kana iwe ukaisa mari mu annuity yako, uye pakupedzisira ichaenda zvachose. Chirango chikamu chekuwedzera kwako "kudarika" kunotorwa nekambani ye inshuwarisi. Semuenzaniso, iwe unogona kuva nechirwere che5%, saka kubhadhara $ 1 000 kunoenderana nokuzvipira mhosva kunodhura iwe $ 50.
Kupa mhosva zvinowanzopera zvishoma nezvishoma pane nguva. Vanotanga kumusoro ndokuenda kune zero. Kwegore rechinomwe rokuzvipira, unogona kuona purogiramu inotevera: 7%, 7%, 6%, 5%, 4%, 3%, uye 2%. Chibvumirano chose chakasiyana, saka iva nechokwadi chekuverenga zvose zvese.
Zvakare, mari yaunobhadhara nokuda kwokuzvipira mhosva inopinda kune kambani yveshuwarenzi (nokuti vanoda kuti iwe uchengete mari yako inotengeswa ikoko). Iwe unogona kubhadhara mitero yakawanda uye zvikwereti kune IRS - taura nemutero wekugadzirisa mutero kuti uwane.
Sei iwe usingashandise gore negore nekuzvipira? Kungofanana neCD , unogona kuwana mamwe maitiro kuburikidza nekuita kuti unamate nekutsvaga kwenguva yakareba (iwe unofanira kungoona kuti zvakakosha).
Semuenzaniso, iwe unogona kuwana chikwata chepamusoro chakachengetedzwa kana kufara nezvimwe zvinhu.
Izvozvo zvakati, zvimwe zvibereko zvinouya nekuzvipira nguva dzinogara kwenguva refu. Kana iwe uchizovhara mukati kwemakore anopfuura manomwe kana kupfuura, funga zvakanyatsofunga nezvemushandi wauri kushanda naye uye kuti chii chauri kubuda mubasa racho. Zvigadzirwa zvekugara kwenguva refu zvinonyanya kuzivikanwa nekushungurudzwa.
Kudzivisa Kupa Mhosva
Zvakadini kana mari yako ichatova mu annuity uye iwe uchida kuibudisa? Panogona kunge kune nzira shomanana dzekudzikisa chero zvikwereti zvechirango.
Tora 10%: iwe unogona kutora kusvika 10% yekutsvaga kwako kwekutanga pakutanga mugore rega rega pasina kubhadhara zvikwereti. Iwe unogona kutokwanisa kubhadhara mari muchengeti pamusoro pe10%. Taura nemumiririri wevashandi vemakambani kune kambani ye inshuwarisi kuti uwane nezve "chero mari" isina kuwanikwa.
Tsvaga pamusoro pekuchengetedza: bhizimisi vacharamba vachipa mhosva kune dzimwe mamiriro ezvinhu, zvichienderana nemamiriro ako uye chikamu chako chegore. Semuenzaniso, kana iwe wapinda muimba yevanotarisira, unogona kuwana kupera pamari.
Chirangaridzo chakayeuchidza: kana uine zvimwe zvaunogona kuita, zvingava zvakakodzera kumirira kusvikira wako wechibvumirano chekugadzirira kubhadhara mari (kana kutora zvaunoda iye zvino, uye ugozorora mushure mekuyeuka).
Gore roga roga raigona kupa mukana wekupa mari shoma, uye iyo yegore ingangodaro ichangova mavhiki mashomanana kure.
Kubhadharazve: zvichienderana nehuwandu hwaunoda, huchikurumidza huchida sei, uye zvimwe zvikonzero, unogona kuongorora annuitizing contract yako - iite kuti ive muganhu wemari. Kana iwe ukashandura kwenguva pfupi (makore gumi, somuenzaniso) unogona kuwana zvaunoda.