Vamwe vanhu vanoda kuve nekuwana mari yehupenyu hwose uye kubatsira rubatsiro kana kuti isiri purogiramu. Izvi zvinogona kuitwa kuburikidza nekushandisa chirongwa cha Charitable Gift Annuity (CGA). Rudzi urwu rwe annuity runoshanda seCom Premium Immediate Annuity (SPIA) nekupa mvumo yekuwana mari yakavimbiswa asi mutsauko mukuru ndowokuti kana iwe ukafa, rudo runochengeta mari yose isingashandiswi.
Single Premium Immediate Annuities uye Charitable Gift Annuities Inopa Mari
Zvipo zvekugadzirisa matanho ehupenyu hwekuwana mari inogona kuteverwa kumashure kusvika kare kuRoma Age. Mamwe mararamiro emararamiro ehupfumi anopiwa muUnited States kwemakore anodarika mazana maviri, uye isu iye zvino tava kunzi iyo inogadzira imwe Yero Yakawanda Yakawanda Yakawedzerwa (SPIA). Vamwe vatapi venhau vezvezvemari vanotarisa iyi sarudzo yakajeka semari yekuwana mari yegore kana yepensheni annuity, asi ivo vari kunyatsotaura nezvemhando yezvigadzirwa zveSPIA. Zvipo zvechipo zvekupa zvipo ndezvekuvandudzwa kwezvino pfupi asi kupa zvipo zvakafanana zvehupenyu hwemari, pamwe chete nekukwanisa kubhadhara mutero.
Zvizvarwa Zvinotapudza Dambudziko Runotarisana Nekuwedzera Mari Yako
Kana iwe ukasarudza kutenga gore rekugadzirisa hupenyu hwemari, iwe uri mukutengesa kuisa njodzi yekubuda kwemari yako (waka longevity pangozi) kune yakabudisa annuity carrier. Kana iwe uchirarama kwemakore makumi maviri apfuura kutarisira kwehupenyu hwako, saka iyo annuity carrier iri pachigamba kukubhadhara iwe.
Icho ndicho chikamu chinokonzera rubatsiro chinogadzirisa annuities kubva kune zvimwe zvose zvigadzirwa zvemari.
Annuity Company Haichengetedzi Mari Yako Kana Usingaiti Izvozvo
Chimwe chezvinhu zvinowanzoitika pamusoro peNye Premium Annuities Immediate (SPIA) ndeyokuti kana iwe ukafa, kambani yakaipa yekambani inoshandisa mari yako yose isina kushandiswa.
Icho chinorondedzera "Upenyu Chete" SPIA yakarongeka asi inomiririra 1 chete yemapfumbamwe nzira dzakasiyana dzekugadzirisa zvirongwa zvekubhadhara mubhadharo. Izvo zvakawanda zveSSPIA zvibvumirano ini ndinorayira zvine 100% yemari ipi zvayo isina kushandiswa inoenda kune avo vanoridzirwa, asi kwete kambani ye annuity.
Kubatsirwa kwechipo chechipo Chakawedzerwa Kufunga
Charitable Gift Annuities (CGAs) inogona kupa mukana wehupenyu hwese hunogona kutanga pakarepo kana pane imwe nguva inotevera. Masangano makuru ehurumende isingabatsiri sezvipatara, masangano, masunivhesiti, makoroji, uye 501 (c) (3) zvivako zvinopa zvipo zvechipo chinopiwa mari.
Kubatsira kukuru kwauchawana kuburikidza uchishandisa Charitable Gift Annuity (CGA) inobhadhara mutero mukuru. Ndicho chinoparadzanisa CGA kubva kuNye Premium Immitate Annuity (SPIA). Zviri pachena kuti kana uine mwoyo nekuda kwekuda kwako, uye mubhadharo wakavimbiswa unokwikwidzana neyakadaro yebhizimisi annuity, ipapo chirongwa che Charitable Gift Annuity (CGA) chinogona kuva "kukunda-kukunda" kwevose vanobatanidzwa.
Zvikwereti zvechipo chechipo chine makore ekufunga
Icho chinonyanya kukonzerwa neCheritable Gift Annuity (CGA) ndeyekuti mari inopiwa inosimbiswa nehupi hupi hupi hupi huripo huripo kana husiri huripo. Mune mamwe mazwi, maitiro ekubhadhara anokonzera sangano rinobudisa ruzivo chinhu chinokosha mukugadzira chisarudzo.
CGAs haisi kutsigirwa neHurumende Guaranty Fund seyakashambadzirwa annuities, saka inofanirwa kuverengwa. Uyewo, Zvipo Zvipo Zvokupa Zvipo (CGAs) hazvipi kupa COLA (Mari yeHupenyu Rokugadziriswa) kuwedzera kwegore negore kunowanikwa mari iyo inoshandiswa mukutengeserana Kubhadharwa Kwokutanga ( Announcements Immediate Annuities) ( DIAs - aka: Zuva Rakawanda Annuities ) zvinopa huwandu anobatsira.
Zvipo zvezvipo zvechipo zvinotungamirirwa ne ACGA
IAmerican Council of Gift Annuities isangano rinodzora rinotarisira zvose Charitable Gift Annuity zvipiriso uye rinogadzirisa mubhadharo kuitira kuti pane zvimwe zvakafanana pakati pevashandi veCGA. Ndinokukurudzira kuti uende kunzvimbo yavo yepamusoro kuburikidza nehutano hwepamusoro kuti uone tsanangudzo yezvemari ye annuity market.
Dzai Mari uye Ipai Chinangwa Support Matsigiri uye Asingabatsiri Kwazvo!
Ndinogara ndichikurudzira vatengi kuti kana iwe uri kutsvaga mararamiro ehupenyu hunovimbiswa, tarisa kune zvose zvekushandira annuities uye zvipo zvezvipo zvekugadzirisa mhinduro.
Vose vari vaviri vanove nemafungiro avo chaiwo, uye zvakakosha kutenga unhu kubva kune zvinoreva kubhadhara maonero.