Ndingakwanisa here kuwedzera Mutengo Wechirango Pamusoro Pemazano Anowanikwa Kare?
Mutasvi wechipfuuriro chakabatanidzwa iwe unogona kuwedzera pane zvimwe zvinorembera annuity mazano anogadzirisa zvimwe zvido zvakadai semari, nhaka, kana kuchengetedzwa kwezvido zvekuchengetedzwa. Vatasvi vemabhiza vanofanirwa kusarudzwa panguva yekushandiswa, uye havakwanisi kuwedzerwa kumutemo mushure mokunge annuity yakabudiswa.
Iwe Unotora Sei Annuity Riders, uye Vanoshanda Sei?
Vazhinji vatasvi vemari uye vafa vanobatsirwa nevatasvi vanopa chikwata chekuwedzera chegore negore chinogona kushandiswa chete nekuda kwezvavanoda. Semuenzaniso, mutasvi wemari anokwanisa kupa chibvumirano chekuwedzera chibvumirano che 6% gore negore chero bedzi iwe uchitsigira kana kwenguva yakati chaiyo. Izvo zvikamu 6 kubva muzana zvekukura zvinogona kushandiswa chete kune mari, uye yepamusoro yepakati inomira kuunganidza nokukurumidza apo iwe unoshandura mararamiro ehupenyu. Iwe haugoni kutumira mari yacho kana kubvisa ruzivo rwe 6% rwunogona iwe neCD, asi iwe unogona kushandisa mari iyoyo kuti uwane mari.
Vatasvi vemabhiza vanowanzosiyana zviyero mukati memvumo ye annuity inoshandiswa kugadzirisa matanho ekubhadhara. Semuenzaniso, kana mutasvi wemari anowirirana ne annerity annerity, mutemo wako wehutungamiri ucharatidza kukosha (kukohwa), kukoshesa, uye mutengo wevatasvi. Zvose zvitatu kuverenga zvakasiyana.
Iwe Unoda Kutengesa Kuona Kuti Ndezvipi Vanowanikwa Muzvikwata Zviripo
Zvakakosha kuziva kuti vatasvi vese havana kufanana. Izvo zvakasiyana kune umwe neumwe anotakura, uye dzimwe nguva dzakasiyana nedzimwe chigadzirwa chiripo. Mumwe mutasvi wemari nekambani imwe yegore inogona kunge yakasiyana zvikuru nemutasvi wemari kubva kumakwikwi emakwikwi annuity.
Zvakakosha kunzwisisa zvinogadziriswa nezvibvumirano uye kukwana kwomutasvi wese, uye iwe unofanirwa kutenga vatakuri vakawanda kuti vawane chirongwa chakanaka. Semuenzaniso, mutasvi wechipfumi kana ruzivo rwekufa mukukwira kukunda kungave nyore kana chidimbu chido. Iyo tsanangudzo shomanana inogona kuita kusiyana kukuru kwazvo.
Kwete Vose Vatengesi Mapato Ndivo Vakafanana
Kune vatasvi vemari vanogadzirisa iyo inogadzirisa hupenyu hwemari. Rufu inobatsira vatasvi varoti vimbiso yekuwedzera kwegore negore inogona kushandiswa mukuronga nhaka. Kusununguka kwenguva refu kana kudzivirirwa vanotasva vanogona kuwedzerwa kubatsira kubhadhara mari yemhando iyi yehutano hwehutano. Kazhinji, pane mitemo yekufanirwa mukati memvumo ye annuity kuti uwane izvi zvinobatsira. Kazhinji, kana iwe usingakwanisi kuita 2 kubva kumabasa matanhatu ezuva nezuva (machira iwe pachako, zvizvishambidze iwe pachako, zvipe iwe pachako, nezvimwewo), ipapo iwe uchakwanisa kugamuchira kuchengetwa kwemazuva kwenguva refu kana kuchengetedzwa kwevasungwa vanobatsira.
Ndezvipi Zvinokonzerwa neAnuuity Rider
Ruzhinji rwevatasvi varo vanobvumirwa kuuya nemari yegore negore yehupenyu hwematongerwo enyika. Mari iyo inowanzobviswa kubva pakuunganidza (kuisa mari) kukosha pamusi wechirangaridzo chegore. Mari yacho haibvi kubva kune mutasvi waro, iyo ndiyo imwe yenzira dzinobatsira dzomutasvi wenhaurirano.
Iko Kunokosha Kunzwisisa Mutasvi Wemari Ndeye Rubatsiro asi Haisi Iko Kubudirira Kwechokwadi
Mutengo wekuwedzera wekugadzira haugone kutariswa sezvibereko. Hazvibvumirwi. Chibereko chechokwadi chinoreva kuti huwandu hwekuwedzera hunogona kuwanikwa, kufanana neCD kana kusungwa. Mutasvi wemizambiringa anogona kuve akakwirira uye pamusoro penzvimbo inonakidza kwazvo, asi kunzwisisa kuti inogona kushandiswa chete nekuda kwekudiwa kwaiye akatasva. Iwe haugone kuwana ruzivo, uchitengesa, kana kutora mutengo wevatasvi kune rimwe annuity.
Muchidimbu, an annuity rider is "monopoly mari" kunze kwekuti inoshandiswa kune yakasarudzwa mutasvi wehomwe.
Yeuka: Annuity Riders Vuya MuMarudzi Akawanda, uye Gadzirira Zvimwe Zvezvinodiwa
Kugadzirisa mukana weupenyu hwose, nhaka kuburikidza nehupenyu hunobhadharwa nerufu (pasina chinyorwa pasi), uye kuchengetwa kwenguva refu kana kuchengetwa musungwa ndezvikonzero zvekuwedzera mutasvi wepagore kumutemo wako.