Chii chinonzi SPDA uye Unofanira Kuwana Imwe Here?
Kana iwe ukazviwana uri nemari yakawanda, imwechete Premium Deferred Annuity (SPDA), pasinei nemazita ayo akareba uye akaoma, inosarudzo yekubhadhara zvikwereti pane imwe nguva.
Kutanga, gore rinenge riri chigadzirwa chinogonesa kubhadharwa kwebhadharo zvisinei nemisika. Sezvo iwe uchibhadhara mu annuity, kambani yeinishuwarenzi ichaisa mari iyi mumusika. Zvichienderana nechibvumirano, unogonawo kuva nekutaura kuti mari iyo inoshandiswa sei.
Kazhinji, mabhiriyoni anouya nekubhadhara mwedzi nemwedzi uye sevamwe IRAs kana 401 (k) s , mari yacho inowedzera musero-mubhadharo kusvikira munhu atanga kutora kugoverwa kwemari. Inowanzoshandiswa kusimbisa mwedzi wega wega wemari pasinei nemamiriro emisika. Funga nezvemhando yepagore yakadai sepenjeni.
Kuputsa Kwacho
Zvino, ngatidzokerei kutanga. Imari imwe chete inoreva kuti kune imwe chete yekubhadhara-mari yakawanda yemari. Munhu angasarudza kutanga SPSP nokuti vakagamuchira nhaka, 401 (k) nebhadharo yakawanda yakasununguka apo munhu akaparadzana kubva kune waaishandira, vakatengesa bhizinesi, kana chimwe chiitiko chakakonzera mari yakawanda . Zvichienderana ne annuity, vamwe vachava nehuwandu hutsva hwemari inosvika madhora 5 000 kana kusvika mumamiriyoni.
A deferred annuity imwe chete isati yatanga kuripa pakarepo. Iwe waizotanga kubhadhara kambani uye gare gare, panguva yekusarudza kwako, yaizotanga kugamuchira zvikwereti.
Nemhaka yekuti annuities kazhinji inotambirwa mutero , inouya nemitemo yakafanana nedzimwe nhepfenyuro dzekurasikirwa dzinogamuchira iyi inofadza kubhadhara mutero. Iwe unofanirwa kumirira kusvikira iwe uine 59 ½ usati wabvisa mari kana iwe uchabhadhara chikamu chegumi kubva kune imwe chete yemitero yemari inowanikwa inouya nekutora.
Annuities yakasarudzwa inouyawo nehutsigiro. Kazhinji, kunyange kana mumusika une gore rakaipa, nhoroondo yako haizorasikirwa nemari. Chinhu chiduku iwe unogona kugamuchira hachisi chinhu. Hapana hutadzo husina kunaka. Mutengo wechivimbiso ichocho ndiko kurasikirwa kwechimwe chikamu. Kana mabhizimusi emari ane gore rinoshamisa, zvaunowana zvinogona kuiswa pane imwe nzvimbo uye kambani ye inshuwarisi inochengetedza zororo.
Uyewo, cherechedza kuti annuities yemhando iyi inopa zvikwereti zvinokukurudzira kuti uchengetedze mari yacho kwenguva yakareba. Kana iwe uchifanira kubvisa mari mukati memakore gumi ekutanga, kana chipi nechipi iyo inshurensi inyorera muchibvumirano, iwe uchabhadhara mari yekuzvipira. Vamwe vatsigiri vanobvumira kusununguka kusununguka kweimwe chikwata uye / kana kuderedza mari yekuzvipira gore roga roga kutozosvika zvachose.
Pakupedzisira, annured annuities inosanganisira rubatsiro rwekufa runovimbisa kuti vanowanikwa vanowana mari yakawanda pamwe nezvose zvinowanikwa. Havagoni kuwana zvishoma.
Nzira
Shandisa SPDA kuti ugadzire ruzivo rwakavimbiswa, rwakasimba rwemari gare gare muupenyu. Chigadziro ichi chinoita kuti kuronga kwemari zvive nyore nokuti iwe unopedza ngozi yemakethe yemari inopera nguva refu usati wasimuka kana kuti zvimwe zviitiko zvisingafanoonekwi sehutano kana chimwe chiitiko chinokuchengetedza kubva pakubhadhara mu annuity.
Mutungamiri wenyu wezvemari achada mubhadharo uyu wakavimbiswa nokuti vanogona kugadzira hurongwa hunonyatsofungidzira mari yako yemwedzi, pamwe nemigumisiro yemitero inouya nayo.
Vanovenga
Annuities inyaya inofadza munyika yenyika yekugadzirisa zvemari. Vamwe vanopa mazano vanoda annuities nokuda kwezvikonzero zvose zviri pamusoro-kunyanya, nokuti inopa mari yakavimbiswa panguva apo vakawanda havazokwanisi kushanda kana mamiriro avo emari ari kuoma. Vamwe vadzidzisi vanopikisa kuti nokuti annuity ishuturo yechipurisi, inofanira kurapwa saizvozvowo. Munhu wacho anofanira kuripa purogiramu yemwedzi wega yega kuti adzivirire pakurasikirwa uye pfuma yezvisikwa inouya kubva pakudyara kwemazano inofanirwa inobva kune zvigadzirwa zvekutsvaga.
Kana munhu wacho ane mari yakawanda, uye vanoda kuiona ichikura uye inova guru rekuwana mari gare gare muupenyu, wadii kuumba IRA uye kuiisa nehuwandu hwehutano hwakakodzera kumutengesi?
Nharo dzakadai saizvi dzinouya nokuti mamwe annuities ane mahomwe akaenzana achienzaniswa nezvimwe zviwanikwa zvekutsvaga.
Kunyange zvazvo SPDA isinganzwisisi zvakaoma kunzwisisa, kune marudzi akasiyana emitemo uye maonero emari akawanda anouya nekusarudza annuities pamusoro peimwe michina yemari. Shanda nemupi wezano wezvemari wekutendwa kuti uone kuti chii chakanakisisa pamamiriro edu emari akasiyana.