- Itai kuti vabatsire kubhengi kwenguva yakareba (kuita misiro yemwedzi, somuenzaniso), kana
- Siya mari yavo munhoroondo (netariro iyo ichakura nekufamba kwenguva)
Izwi rinoshandurwa rinoreva kuti iwe unofanirwa (kana kunonoka) kutora chikwereti kubva pachibvumirano. Kusiyanisa negore rakasunungurwa neinokurumidza annuity : an immediate annuity inotanga kubhadhara (inenge) nguva pfupi mushure mekutenga nekubhadhara chikwereti.
Kana iwe ukatanga kutora zvikwereti kubva kune imwe nguva yakasununguka, zvakaoma kana hazvibviri kumisa gadziriro uye kudzorera mari yako zvakare.
Mune mamwe mazwi, negore rakapera iwe unomirira - zvichida nokusingaperi- kuti usagadzire chibvumirano (kana iwe ukasarudza kubhadhara mari yehupenyu kana imwe urongwa).
Cherechedza: tapota verenga ruzivo rwakakosha pamagumo epaji rino.
Dzvinyirira Nokusingaperi?
Paunoshandisa annerity deferred, iwe hausi iwe unombofanira kuchinja mari yacho kuti ive nzira yakarongeka yekuwana mari. Pane kudaro, iwe unogona kungoita kuti uende kune imwechete, unotora zvose kubva mune rimwe bundu-sum, kana kutamisa zvinhu kune rimwe annuity kana kuti account. Pakupedzisira, annerity annuity inokubvumira kuti uchengetedze mari uye uchengetedze zvaunogona kusvinura panzvimbo pokusagadzirisa zvinhu zvose kune kambani ye inshuwarisi.
Kana yakashandiswa nenzira iyoyo, gore rinoremekedzwa rinenge riri nhoroondo iyo inoitika ine zvimwe zvezvinhu zvegore : mamwe maitiro emitero, uye pamwe zvimwe zvivimbiso zvakagadzirwa nekambani ye inshuwarisi (kusanganisira kubvira kwekufa kwekufa).
Izwi annuity rinoreva mahedheni ekubhadhara - uye tsika dzave dzakashandiswa kupa hupenyu hwemari (yevatorwa, somuenzaniso). Kana iwe pakupedzisira usarudza kupedza annuitize, iwe uchasarudza kusarudzwa kusarudzo kubva kuinishuwarenzi yekambani yako yezvasarudzo. Somuenzaniso, iwe ungasarudza kuva nemari inobhadharwa pamusoro pehupenyu hwako chete, kana iwe ungasarudza kuva nemari inopfuurira kwenguva yakareba yehupenyu hwako kana hupenyu hwemumwe wako.
Kuti uwane mamwe mashoko pamusoro pezvokubhadhara, shandisai nezvekusunungura .
Mutero Wokubhadhara Mutero
Usavhiringidza nguva yekubhadhara kubva kune gore rakasunungurwa nemutero wekuregererwa kwemitero , iyo imwe yeruzivo inowanikwa kubva kune annuities. Nekuregererwa kwemitero, iwe haubhadhara mitero pamari inopinza mukati megore rega rega sezvo mari inowanikwa kuigwaro. Panzvimbo pezvo, iwe unobhadhara mutero apo mari yaunowana inobviswa kubva pakubhadhara mutero. Zvakanaka, izvi zvinokubvumira kubatsirwa nekugadzirisa: iwe unowedzera mari muchibvumirano, dzorerazve mari yaunowana, uye uwane zvakawanda pamusoro pezvikwereti izvozvo.
Mhedzisiro yekusimudza mitero inofanana neyo pfungwa yekuderedzwa annuity: mumatambudziko acho ose uri kuisa chimwe chinhu kubva kune imwe nguva (kana iwe paunowana mari kubva kune rimwe gore kana paunobhadhara mitero).
Mashoko Akakosha
Taura nemuteresi wemutero kana CPA kuti uone migumisiro yekushandisa annuities uye kugadzirisa kana kuendesa mberi usati waita chero chinhu. Ichi chinyorwa chinongova tsanangudzo yekutanga uye hachina kukwana kukubatsira kunzwisisa zvinorema zvishandisi yemitengo (uye mitemo yakawanda yemitero). Zvose zvinotsigira zvakasimba sekambani yeinishuwarenzi inoita chivimbiso uye zvinokwanisika kurasikirwa nemari - bvunzurana nemunhu wechipurisi wemu inshuwarisi ane mvumo kune mamwe mashoko.