Imwe nyanzvi yebhizimusi yakave yakatora chinhu chakanakisisa chechigadzirwa uye ichiita kuti zvivhiringidze kune mutengi, kuti vanhu vazhinji vanokanda maoko avo kumusoro mukunyangadza pavanotarisa kutengwa kwegore. Annual variable uye indexed annuities inomiririra huwandu hwe $ 200 mabhiriyoni mugore roga roga rekutengesa, uye ndiko kusakanganiswa kwechigadzirwa.
Zvose izvi zvinokonzerwa nemhando dzakagadzirwa nevanoshanda vane chinangwa chepamusoro chinowanikwa pamakwenzi kukura uye zvisiri izvo zvinoratidzwa zvekudzorera kurota. Izvi hazvirevi chete kusuruvara, asi zvinosuruvarisa nokuti izvi zvinokura hope hazvina kukanganisa pfungwa iyo inosvika kumabhadharo. Ndakaita nzira iri nyore uye inobudirira yekuona kana gore rinowirirana nemamiriro ako chaiwo.
Izwi rokuti "PILL" iri nyore kukuyeuka uye rinotsanangura kuti annuities inopinda mune chero mapepati.
P = Kuchengetedza Kukuru. Unoda kuchengetedza mukuru wako here?
Zvizvarwa zvinogona kupa zvakakwana kudzivirirwa zvakanyanya uchishandisa annuities yakagadziriswa. Kune mhando dzakasiyana dze annuities dzakagadzirirwa seFixed Rate Annuities ( MYGAs ), Fixed Index Annuities ( FIAs ), uye Traditional Fixed Annuities, iyo yose inodzivirira zvakakwana yako guru uye chibvumirano chekuchengetedza kuti kuchengeteka.
I = Kuwana Kweupenyu. Uri kutsvaga mari yakabhadharwa mari?
Zvizvarwa zvekare zvakagadzirwa kuti zvipe mari uye zvakave zvakapoteredza kubva munguva dzeRoma.
Ichokwadi, shoko rokuti annuity rinobva pashoko rechiLatini rokuti "annua", rinoreva kushandiswa gore negore. Annuities Inowanikwa yakawedzerwa uye inotengeswa muUnited States kwemakore anopfuura mazana maviri, uye ndiyo ndiyo yega annuity chisarudzo kusvikira muna 1952. Gore iro rakagadzira yekutanga kushandiswa annuity chipo nekambani inozivikanwa seTIAA-CREF.
Nhamba yekutanga Yakawanda Yakawanda Yakawanda ( Announcements ), Zuva Rakawanda ( Annasities ) ( DIAS - Deferred Revenue Annuities, Incentives Riders, uye annuitization zvingasarudzwa zvegore negore zvese zvinogona kupa zvikwereti zvehupenyu zvese. kuti zvibvumirane nehutano hwekuwana mari.
L = Nhaka. Iwe unoda kutanga hutori hwemhaka nekudzivirira here?
Zvikwereti zvinogonawo kugadzirisa zvibvumirano nokuda kwekuvimbiswa kwekufa kwekufa kuburikidza nekubatanidza chibvumirano chekufa mubhadharo (kureva zvakasimbiswa kubatsira) panguva yekushandiswa. Inishuwarenzi yehupenyu yakachena ndiyo inenge yakanakisisa yemugove wekuwanikwa, asi kana iwe usingakwanise kudarika zvinyorwa zvekunyora pasi, ipapo gore rinogadziriswa remhinduro ringangodaro rako rakasiyana.
Kuwedzera kwekufa rufu hunobatsira mazano zvikuru kunosanganisira vatasvi kuti iwe unogona kusungira purogiramu panguva yekushandiswa kunovimbisa gore rega rega zvibereko zvinogona kushandiswa kusiya mari kune vagari venhaka.
L = Kuchengeta Nguva Yakare. Iwe unofanirwa here kubhadhara tsika yako yekugara kwenguva refu?
Kutarisira kwenguva refu, kana dzimwe nguva kunzi kusungwa, kuchengetwa kunogona kugadziriswa kune mamwe maitiro e annuity. Kunyange zvazvo tsika yakatarwa yekuchengetedza kwenguva refu ichiri kupa hurumende yakanakisisa, annuities inopa humwe sarudzo kana iwe usina hutano hwakakwana kuti uwane zvinodiwa zvechigadzirwa.
Mhemberero dzenguva yakareba yekuchengetedza dzinouya nenzira mbiri; iri nyore kunzwisisa uye nyaya yakagadziriswa. Nyaya yakadzika inosanganisira kubvunzurudzwa kwefoni nemunhu anotakura kuti awane rubatsiro, uye nyaya yakatsigirwa inotsanangurwa.
Yeuka! Zvipfeko hazvisi kuwedzera kwemashamba emisika, vanoendesa njodzi yekubuda mari yenyu kune vanotakura.
Zvakakosha kudzokorora zvakare kuti PILL chirevo hachina "G" chero kupi zvako kuwanikwa. "G" inomiririra kukura, uye annuities haisi kuwedzera kwezvigadzirwa kunyange zvazvo iyo iyo inyanzvi yakawanda yakaedza kusakanganisika. Zvesheni ndezvekuendesa kana njodzi dzinogadziriswa dzinofanira kuva dzevimbiso dzavo dzevimbiso. Zvandinoreva ndezvokuti iwe pachako "Annuities" yezvaACHAITA, kwete zvavangaita. "Ichareva zvinoreva kuvimbiswa kwevimbiso yemutemo.
Usambofa waita sarudzo yekuti uve newe annuity inobva pane zvinyorwa, zvingafungidzirwa, zvakarongwa, zvekare zvichiedzwa, zvingave, kana zvisiri izvo zvinodzoka. Tora pfungwa! Nguva dzose tenga zvigaro zvezvibvumirano, kwete annuity kurota.
Shandisa PILL kuti uwane kana annuity inogona kushanda nokuda kwemamiriro ako chaiwo. Mune mamwe mazwi, simedza PILL, kwete imwe vashandi kutenga pitch.