Zvimwe zvinokonzerwa negoridhe annuities (CDAs) ndezveramangwana rekuchengetwa kwemarudzi. Ndiwo maCDA "silicon valley" yemashinitiri ye annuity nokuti ndiyo iyo chokwadi chigadzirwa mutsva chiri kuitika.
Ichi ndicho chibereko chevanhu vanovenga annuities kana kunyange kunzwa izwi rokuti "annuity".
Kana pakambove neine annuity chikwata chinoswedera pakuva "chakanyanya kunaka kuti chive chechokwadi", saka izvi ndizvo.
Vatasvi vemari vanobhadhara (mari inowirirana nehutungamiri) inopiwa pamitambo yakawanda yakaremberedzwa, yakasiyana-siyana kana yakakonzerwa , uye inopa chipo chekuwana mari inogona kuwanikwa kana ichidiwa. Chimwe chiitiko chakarembera gore rinenge chakafanana nekuva nemutasvi wemari , asi panzvimbo yekuiswa mukati memutambo wegore, iyo yakabatanidzwa pamushumo wako.
CDAs Ivaka Nheyo Yakanaka yeChipatimendi Chekuwana Mari MuPato rePortfolio
Kune vanhu vanovenga ruzivo asi rudo rwemhando yegore rinotsigira, ichi ndicho chibereko chako. Mushure mezvose, haugoni kuvenga annuities, uye unoda Social Security yako panguva imwe chete. Izvo zvinonzi "mari inonyengera." Izvo zvinofanirwa zvinoenderana nenyaya dzinopesana zvakasunungurwa uye zvichida ndiyo yemagetsi yemuchina unogadzirwa pakutanga. ICDA ndiyo mhinduro kumudziri wekutsvaga haafaniri kurega kukwanisa kukura kwekusimudzira kwavo, asi kumashure kwepfungwa dzavo, vanoziva nheyo yehutano hwehutano huchadiwa mune ramangwana.
Iwe Unogona Kuchengetedza Kubhadhara Mari, uye Iva Nechivimbo Chekuwana
Vanhu vazhinji vanoda mari yakawedzerwa yakawedzerwa kuti vabatane neSocial Security, penhesi, kana imwe mari yekubhadhara mari inotarisira kugamuchira. Dare reCDA rinokubvumira kuti uve nechirongwa chekuwana mari yeramangwana risina kutanga kutenga iyo inowanzopa mari yekuregeresa.
Mukuwedzera, mari yako inogona kuramba iri mumasikisi emasitadhi uye mabhizinesi ekutsvaga mari apo uchichengetedza mari yaunoda inopihwa kuburikidza nechokuita kweCDA.
CDAs Zvimwe Zvitsva, Ipa Mazano Mashomanana Ekubhadhara, uye Mari Yegore Rega Inogona Kuve Yakakwirira
Zvingangodaro zvakasunungurwa annuities ndezvitsva uye pane zvipo zvishoma zvinowanikwa zvino. Izvi zvichange zvichishandurwa pane nguva, asi ikozvino, zvishoma zvishoma. Kune zvikamu zvishomanana zvemakambani ayo ari kupa sangano iri reCDA, uye chimiro chinozivikanwa chiri kukura sezvo vatengi vanoziva kuti urongwa hunobudirira hunowanikwa uye hudza kuti hunoshanda sei.
Ikozvino maCDA anodikanwa nemiganhu yemhando ipi yepodfolio iyo inogona kuiswa kune iyo. Semuenzaniso, haugoni kuva nehuwandu hutsinye huwandu, uye ugobatanidza chibvumirano cheCA chekuita mari. Zvose zvinodiwa neCDA zvinyorwa zvepodfolio zvinenge zvisingakwanisi kubva pakuona maonero ekutsvaga kwekutsvaga, kunyange zvazvo inobvumira tsika dzekodhi nezvisungo.
Pakupedzisira, mari yegore negore yemamwe maCDA inogona kuva akakwirira, uye iyo mari inodonhedzwa kubva kumatendi ako emari.
Ichokwadi Izvozvo Zvikwereti Zvakatengeswa Zvine Mangwana YeNyika Yepamusoro
Kungofanana nechinangwa chekugadzirwa kwechigadzirwa, kuchava nemigwagwa mumugwagwa uye zvikanganiso zvakaitwa apo vanhu vakawanda vanoziva kuti rudzi urwu rwe annuity (iyo isiri annuity) runogona kuwanikwa.
Nevana vanopfuura 10 000 vana vanoita basa rekusimuka zuva rimwe nerimwe, pfungwa dzinonzwisisika dzinoratidza kuti vazhinji vavo vachada rumwe rudzi rwekuwedzerwa kwemari yakasimbiswa kuti vabvumirane nehutano hwehupenyu hurefu (kureva kuwedzera mari yavo). Nemhaka yekuti indasitiri yezvemari yakawana mukurumbira wayo wakaipa kuburikidza nemutemo usingatenderwi kutengesa, CDA "annuity, asi kwete annuity" chivimbiso ichava imwe nzira inofadza kune yakagara yakagadzirwa mutengo.
Kungofanana nefoni inotakurisa, makombiyuta, IPads, uye mimhanzi inopararira, zvinyorwa zvinopedzisira zvichisimudzirwa zvichavandudza nekufamba kwenguva sekudiwa kwechibereko ichiwedzera. Aya ndiwo mashoko akanaka kune vatengi uye nemashoko akanaka kwazvo mukati mejaded annuity industry.