A Side By Side Kufananidza Nezvimwe Zviitiko Annuity Performance Index Index
Iko kushandurwa annuity yakagadzirirwa yaiva yemudzimai, watinozoti Joan. Ane makore makumi matanhatu nematanhatu, nekutora zvishoma kuti atange pazera remakore ake 71. Rakanga richirongwa semugove wemari yakagadziriswa uye senzira yekupa rufuro rukuru rwekufa kuenda kune vana.
Kubva pazvikomborero zvinorongwa, mari yekugadziriswa kwechibvumirano ichi chinokonzerwa ne annuity yaiva:
- Kufa nekubhadhara zvinodhura: 1.1%
- Admin charge: .15%
- Gore negore mari yekushandisa mari: .57% - 1.89% - Ndakashandisa mapakati maviri 1.23%
- Rufu rubatsiro rwomutasvi waro: .70%
- Mutengi akatambira : .95%
Mari yegore rose: 4.13%
(Dzidza zvakawanda pamusoro pemari yakasiyana-siyana yemari uye mari .)
Chibvumirano chinotaura kuti "mari yegore rose inotarirwa sepakati yemari yekuchengetedzwa yakachengetedzwa (GWB), uye inodzingwa kwegore negore pane zvingasarudzwa zvekutsinhaniswa kwekutsvaga uye zvigadziriswa zvinoshandiswa nekambani".
Mune rudzi urwu rwechigadzirwa kune zvikamu zvitatu zvakasiyana zvakasiyana zvemari:
- Icho chaicho chibvumirano chekukoshesa: chii chaunowana kana iwe uine mari mumutemo. Izvi zvinowirirana zvichienderana nehutano hwekutsvaga, uye kushandiswa kwekutsvaga kwekugadzirisa kunofanirwa kukunda chikwereti chegore gore re 4.13%.
- Kuyera kwekuregererwa kwekuregererwa (GWB) : ichi chikero chekushandiswa chinoshandiswa kuverenga chikamu chemari yakagadzirirwa gore raunogona kubvisa. Izvi zvinokurudzirwa kukura ne 6% pagore mumakore mausina kutora zvisizvo, kana nemusika unoshanda, chero chipi zvacho chikuru. Kana GWB ichiwedzerwa pamusana pekutengeswa kwekuita izvi kunonzi "step-up". Paunotanga kubvisa, iwe unobvumirwa kuti unokwanisa kutora 5% yehutano hweGWB hwakavimbiswa hupenyu.
- Rufu rwekufa: izvi ndizvo zvinobhadharwa kunze kwekufa. Ichava iyo yakakwirira yepayimari yakabhadharwa, iyo chaiyo yekontrakiti inokosha, kana yegore rechinomwe chibvumirano chekushandira chibvumirano chekufa.
Ndakaedza kushanda kwebvumirano rakadaro kupikisa poreferenti yemari yemari yekugoverwa kwekugoverwa kwema80% ematokisi / 20% zvisungo. Iko mugove wezvikamu wakagoverwa sezvinotevera:
- 30% S & P 500
- 20% Russell 2000
- 15% EAFE
- 15% REITS
Chikamu chechibvumirano chakapiwa pa:
- 10% yakagadziriswa (CD inodzoka)
- 10% kwenguva refu yehurumende husungo
Ndakabhadhara mari inosvika 1,25 kubva kune imwe nhengo yekodhiyo yemari, tichifunga kuti muteresi mumwe chete aishanda nemudzidzisi wezvemari akatengesa 1% pagore uye pasi pehurukuro yemari yakanga ine mari yaive .25% pagore kana zvishoma.
Ndakatarisa pazviitiko zvitatu zvakasiyana:
- Basa reMisika kubva kutanga muna 1973 , iwe wakatanga nemakore maviri anotyisa ehutano hwekuita, saka unoramba uchidzoka
- Kuita kwepashamba kutanga muna 1982, stellar kushanda kwemakore mazhinji
- Basa rekusika kubva pakutanga muna 2000, isu tose tinoziva kuti makore gumi apfuura akave akaita sei.
Pasi pane migumisiro.
1973 Kutsika Kwemisika:
- Iwe unotora $ 100,000 mu annuity, kana $ 100,000 mune imwe nhamba ye fund fund.
- Iwe hauna kutora zvisizvo kusvikira Joan ane makore 71.
- Chibvumirano chinogamuchira 6% chekusimudzirwa kwekuwedzera kwehuwandu paGWB, iyo inotora iyo kusvika ku $ 133,823, inopfuura kudarika kwemashamba panguva iyoyo.
- 5% yeyo iyo $ 6 691, iyo iwe unobva wabvisa gore negore kusvikira asvika makore 90.
- Dai Joan akanga apera mumakore matatu ekutanga, ruzivo rwekufa rwaizopa kukosha pamusoro pebhuku renhoroondo mukati me $ 12,000 - $ 34,000.
- Pazera raJoan 90, chibvumirano chinokosha kune annuity ndeche $ 219,416 inopfuura kune vagari venhaka.
- Pazera raJoan 90, nhamba yepahofisi inokwana $ 864,152, iyo inopfuura kune vagari venhaka.
- Iwe wakatora mari yakafanana yemari kubva kune zvose annuity uye index index. ($ 6 691 kubva pamakore 71 - 90)
- Kana zvikwereti zvegore negore zvichipiwa mushure mokunge zvabviswa, zvinyorwa izvi hazviratidzi munyaya iyi, asi zvinoshandiswa. Hazvigoneki kuti vaizogadzirisa hukama hwehumwe sarudzo pane imwe.
1982 Market Performance:
- Iwe unotora $ 100,000 mu annuity, kana $ 100,000 mune imwe nhamba ye fund fund.
- Iwe hauna kutora zvisizvo kusvikira Joan ane makore 71.
- Muchiitiko ichi gore rebasa rose rinoshandiswa sezvinoita marakisi anopfuura kudarika 6% inokurudzirwa kukura, saka GWB yako inodarika $ 178,473.
- 5% yeiyo $ 8 924, iyo iwe unobva wabvisa gore negore kusvikira asvika makore 90
- Hapana nguva yakafa rufu runobatsira kupa humwe kukosha pamusoro pehurukuro yemari chikwereti.
- Pazera raJoan 90, chibvumirano chinobvumirana chinokwana $ 78,655, asi ruzivo rwekufa ruchiri $ 167,714. (Yegore rechinomwe chibvumirano chechibvumirano chinosvika murufu chinoshandiswa) (Ko mari inogona kuve yakaderera zvakadini? Nemhaka yemari uye kubviswa kwegore negore kukosha kwebvumirano kuri kuderedzwa ne $ 16,000 pagore, asi kukosha kwebvumirano hakubatsiri kunze kwokuti iwe mari mu annuity.)
- Pazera raJoan 90, nhamba yepahofisi inokwana $ 856,898, iyo inopfuura kune vagari venhaka.
- Iwe wakatora mari yakafanana yemari kubva kune zvose annuity uye index index. ($ 8 924 pagore kubva pazera rake 71 kusvikira kune 90)
Mune zviitiko zvose zviri pamusoro pezvawakaita ndekukosha kuendesa upfumi kubva kumhuri dzako nemaoko kune kambani ye inshuwarisi.
2000 Kushanda Kwemisika:
- Iwe unotora $ 100,000 mu annuity, kana $ 100,000 mune imwe nhamba ye fund fund.
- Iwe hauna kutora zvisizvo kusvikira Joan ane makore 71
- Chibvumirano chinogamuchira 6% chekusimudzirwa kwekuwedzera kwechikwata paGWB, iyo inotora iyo kusvika ku $ 133,823.
- 5% yeiyo $ 6 691, iyo iwe unobva wabvisa gore negore kusvikira ava nemakore makumi manomwe (ini handigone kutora dhesi iri kupfuura ino ino sezvo ini ndisina misika inodzoka gore ra2011.)
- Mumakore mana emakore gumi nemaviri, rubatsiro rwekufa rwakabhadharwa kupfuura zvinowanikwa pasi pekambani yemari, nemari inokwana $ 970 - $ 14,000)
- Pazera raJoan 78, chibvumirano chekambani chinodarika $ 76,667, asi kubatsirwa nerufu ndeye $ 118,000 (gore rechinomwe rechibvumirano chechibvumirano chinopera mukufa kunobatsira kushandiswa)
- Pazera raJoan 78, chikwangwani chenyaya yacho inokwana $ 107,607, iyo inopfuurira kune vagari venhaka.
- Iwe wakatora mari yakafanana yemari kubva kune zvose annuity uye index index. ($ 6 691 kubva pazera rake 71 kusvika kune 78)
- Zvechokwadi hapana munhu anoziva zvinoitika kubva pano.
Muchiitiko ichi chekupedzisira, pane imwe nguva iripo panguva iyo shanduko annuity inopa rubatsiro rwekufa kweanenge $ 10 000 pamusoro pekuti ivo vagari venhaka vachagamuchira kubva pane imwe nzvimbo yekunyorera, uye iwe wakaramba uchichengeterwa mari ye $ 6 691 pagore. Cherechedza, kana mamiriro mashoma emakemikari achienderera mberi, uye chibvumirano chebvumirano chinoenda kune zero, rubatsiro rwekufa runovhara, kunyange zvakadaro mari yako yakawanikwa inopfuurira.
Bhuku rakasiyana-siyana re annuity bhurocha rinotaura "mune mamwe mamiriro ayo mari yechisarudzo inogona kupfuudza mari chaiyo inobhadharwa pasi pesarudzo".
Izvi zvinogona kuitika nyore nyore apo iwe une 4.13% yemari yekugadzirisa.
Munhoroondo yezvakaitika kare, zvinowanzoitika kuti chigadzirwa chakadaro chichapa huwandu hwekuwedzerwa kwehupfumi kubva kwauri kune kambani ye inshuwarisi kupfuura kubva kwauri kuenda kumhuri yako.
Chimwe chinyorwa mubhuku rakanaka rakanzi "Tsvaga mumiririri wako kana wekugadzirisa basa rekurega basa maererano nemari yemari nemakore emuridzi / wekununura uye kukosha kwauri kwekudzivirirwa kunogona kudzivirira pasi iyi GMWB inogona kupa."
Chimirira, ndaifunga kuti chinangwa chekutanga chezvigadzirwa izvi chaiva chekudzivirira pasi? Kana ndikaverenga mutsara wakanaka, asi kambani pachayo kubvuma kuti inopa "kukwana" kudzivirira pasi.
Ndine rimwe rondedzero, uye handirevi kusaremekedza vatungamiri vakagadzwa. Mutungamiri anotaura kuti annuity yakaratidza kuti kana mutengi wangu achishandisa mari iyi, inoderedza zvaidiwa kuti ibvise kubva kumakambani avo aive nawo neni. Izvi zvingareva nenzira imwechete kuti ini ndiise zvandinoda (kuchengetedza zvinhu nekambani yangu kuti ndiwane mari yakakwirira) ndisati ndafarira mutengi wangu. (Mari yakarongerwa kuti iiswe mune iyi annuity yakanga isiri pasi pehutungamiri hwangu kana kuti ndakanga ndichikurudzira kuti mutengi aende navo kwandiri.)
Sezvo mubhadhari wemari-chete , ndakatora fiduciary mhiko. Kubvumira chimwe chinhu chakadaro chichikurudzira chisarudzo changu chaizova kukanganisa kwebasa rekuchengetedza, uye ndinoona kuchigumbura mumwe munhu angaedza kunditadzisa kwandiri pakuona kwavo nenzira iyo nzira yavo ichachengetedza zvinhu zvandinotarisira.
Mune broker / mutengesi wenyika, mamiriro ekunze iye zvino ndeaya akakodzera, uye zvakadaro pfungwa inofungidzirwa kuti yakanaka, chero bedzi mazano ose anoramba achiri akakodzera kune mutengi. Zvisinei, nemitemo yandinoita pasi, mazano akadaro haana kukodzera.
Kuvhara kwangu kugumisa (maonero sezvo iyi isiri yeruzivo rwepamusoro yezvidzidzo):
- Imari yekubhadhara muvatengesi yakatengesa zvinyorwa zvakasiyana-siyana zvakadai seyo iri kuongororwa pamusoro apa iyo inoderedza kukosha kwezvinhu zvinotarisirwa kuti zvigadzirwa zvinofanirwa kupa.
- Vashandi kana vamiririri vanotengesa annuities dzinowanzosiyana havawanzwisisi kana vasina kuongorora kuti chigadzirwa chacho chichaita sei pasi pemamiriro akasiyana-siyana emakambani emamiriro ezvinhu.
- Vamiririri vanotengesa annuities idzi dzakasiyana vanoita sevanopa zvizere zvekugadzirisa zvemari, kwavanoisa mazano avo mumamiriro ekutenderera kwemamiriro ose ezvemari, kusanganisira mari yakakodzera , makore, mamiriro emitero uye zvido zvekuwana.