Chenjerera: Mutero-Dhipatimendi muNhoroondo Dzakawanda Dzinogona Kuita Kuti Uwedzere MuTero

Mitero Yakawanda Inokwanisika Inogona Kuita Iwe Unogona Kubhadhara Zvimwe MuTero

Annuities dzinoshandiswa dzinotengeswa semotokari yemotokari iyo inogona kupa mari yakawanda yokubhadhara mitero kuburikidza nekudzosera mitero yemari pamutengo wekutsvaga. Iwe unotora mushure mekubhadhara mari, uye iwe haubhadhara mitero pamari yekutsvaga kwekutsvaga, zvikamu, kana mari inowanikwa, kusvikira nguva yakadaro sezvaunotora zvishoma. Izvi zvinoreva kuti iwe unogona kuchinjana pakati pekutsvaga kwekutsvaga mukati mekushandurwa annuity pasina kukonzera mutero.

Inonzwika huru ... saka chii chiri kubata?

Kune matambudziko maviri ne variable annuity taxation. Aya matambudziko angakonzera iwe, uye vagari venhaka, kubhadhara mutero unopfuura iwe waizobhadhara kana iwe wakashandisa dzimwe nzira dzekutsvaga.

Dambudziko # 1: Kubhadhara Kubhadhara Zvikwereti SeNowanowanikwa Mubereko

Kutanga, funga nezvegore rinoshandiswa sechinomwe. Mitemo yechipikisi inogadzirisa mitemo yemari inotarisirwa pasi.

Somuenzaniso, kana iwe uchitenga chikwereti chebhadha chinopa mari yekubhadhara mari, iwe uchabhadhara mitero kune iyo yega yega gore negore. Kana, kunyange zvakadaro, iwe une chikwereti ichocho mukati memvura yakasiyana-siyana ye annuity container, haufaniri kubhadhara mutero pane chero upi zvake kana pfuma inowedzera kusvika panguva iyoyo apo iwe unotanga kutora zvinhu.

Hazvibatsiri kana pfuma inobva kune chido, zvikamu kana mari inowanikwa; zvose zvinopesana. Iyi ndiyo inobhadhara mitero inobhadhara mitero, iyo inonzi tax-deferral.

Mutero-kukanganisa hukuru, kusvikira watanga kutora zvinhu.

Panguva iyo iwe unotora matambudziko kune zvinetso zviviri.

1. Paunotora kubva kune rimwe gore, kuwana kunofungidzirwa kubviswa pakutanga. (Kunze kwekuti iwe usati wabvisa chibvumirano chako, icho, kungoisa, zvinoreva iwe uchitengeserana muhomwe yako yemari yemari yakachengetedzwa yakabva kune kambani yveshuwarenzi.)
2. Zvose zvinowanikwa izvo zvinodzingwa kubva ku annuity zvinobhadharwa pamutero wako wekubhadhara mari.

Sei ichi chakaipa?

Inowanzobhadhara mitero yepamusoro yakakwirira kudarika mutengo mukuru wemitero inowanikwa. Pamusoro wekodhi yakabhadhara, iwe uchabhadhara 20% yeruzhinji mutero pamari inowanikwa kunze kwekuwana mari inowanikwa.

Izvi zvinoreva, pasinei nekuregererwa kwemitero, kana zvasvika nguva yekuwana mari yako, unogona kugumisa kubhadhara mitero kune mari mukati me annuity kudarika kana iwe wakanga waita mari inodhura imwe shanduro sehurukuro mutual fund .

Kana uchigadzirira kuva negoridho yakasiyana-siyana kwemakore anopfuura 25 usati watora kubvisa, ipapo simba rekuwana chido pamitero yakatarwa inogona kuva nenguva yakakwana yekushanda. Asi zvikwereti zvakawanda zvakasiyana zvinotengeswa kune avo vanoda kuwana mari mumakore gumi kana gumi nemashanu, izvo zvingave zvisina nguva yakakwana yekuregererwa kwemitero kupa ruzivo rwakakosha.

Dambudziko # 2: Vagari venhaka Haafaniri Kuwana Nhanho-muNheyo Dzinotengeswa

Pamusoro pekufa kwako, vagari venhaka yako vanogamuchira chimwe chinhu chinonzi chigadziro-in mubhadharo iyo pavanowana nhaka dzakadai sedzimba, mashizha, uye mutengo wemari.

Ngatiti iwe unoshandisa $ 100,000 muchitoro mutual fund 12 makore asati afa. Kwemakore gumi nemaviri, iyo $ 100 000 inowedzera kusvika ku $ 200,000 (achifunga kuti mari inoshandiswa inowanikwa kubhadhara kwe6% pagore, musati wemari yose).

Pamusoro pekufa kwako, vagari venhaka yako vanogara nhaka ye $ 200,000. Mitemo yemitero inotaura kuti mari yavo inotengeswa mukutsvaga ichava kukosha kwekutsvaga pamusoro pezuva rako rekufa; mune iyi nyaya $ 200,000.

Iye zvino vanogona kuitengesa, uye havabhadhara mutero pa $ 100,000 yepfuma.

Iyi nhanho-in muzvikwereti zvinodhura haishandisi kune annuities.

Kana iwe ukasara $ 100,000 muine annuity yakasiyana, uye inowedzera kusvika ku $ 200,000, paunenge wafa, vagari venhaka vako vachabhadhara mitero, pamutero wavo wavanogara pamutero, pamutengo we $ 100,000. Izvi zvinogona kuguma muhurumende yemitero ye $ 15,000 - $ 35,000, zvichienderana nekutengesa kwaro mutero.

Hapana mutero waizove wakakodzera kana zvikwereti zvaive zvakatorwa zvakananga mune mutero wekutengeserana, pane mukati mekushandurwa annuity.

Zvinosuruvarisa, apo annuities dzinoshandiswa dzinotengeswa, vashomanana vashoma zvikuru vanotsanangura kuti vadyi venhaka venyu vanogona kubhadhara zviuru mumitero, panzvimbo yekutengesa mitero.

Zvose izvi zvinonzwika zvakaoma here? Mishonga yemitero yezvibereko zvekutsvaga mari haisi nyore kunzwisisa uye nehuwandu hwakawanda hwekudzivirirwa kwemakore, inenge yakaoma zvikuru kumusana wevatengi kuti vanzwisise.

Ndosaka zvakakosha kutsvaka rubatsiro rweanokwanisa kugadzirisa mari kuti akubatsire kuisa pamwe chete nzira yakanakisisa yokurasikirwa iyo inoita kuti iwe uye vagari venhaka vako kuchengetedza mari yakawanda kubva mumaoko ehurumende sezvinobvira.