Chii chinonzi Deferred Annuity?

Fixed, Variable, Equity Indexed uye Zuva Guru - Mafomu Ase Anonzi Annuities

Uine gore rakasununguka, iwe unoisa mari yako nekambani yeInishuwarenzi (nekutsvaga mune imwe yakagadziriswa, yakasiyana-siyana, inowirirana-yakakosheswa, kana kuti yakareba kwenguva yakawanda contracting) uye mitero kune upiwe wekutsvaga kwekutsvaga inodzokororwa kusvikira panguva iyo iwe paunotora kubvisa. Chero pfuma ipi inobviswa pamberi pezera remakore makumi mashanu nemakumi matatu nemashanu richave pasi pekutora mutengo we10% pamusana pemitero yemari inowanikwa.

Yakanyorerwa musangano yenyu yakasununguka ichava iyo nzira yekushandura gore renyu rakasununguka kupinda mushure memwedzi mushure mekunge imwe nguva yapera; kunyanya iwe uri kurega kubhadhara mari yako kusvikira panguva yakadai sekuda kwako kuchinja hutsva muhutano hwekuwana mari.

Annuities yakasarudzwa inogona kuuya nemhando dzose dzezvinhu (pamutengo) zvinopa mhando dzakasiyana dzekufa uye / kana remangwana rekuwana mari. Heino mhedziso yezvinyorwa zvina zvikuru zve annuities yakadzorerwa; yakagadzikana, yakasiyana, kuenzana-yakakonzerwa, uye hupenyu hurefu.

Fixed Deferred Annuity

A fixed fixed annuity inoshanda zvakadai sechiti chekuisa; kunze kwekuti, panzvimbo yekuda kubhadhara chikwereti chemari pamutero wako wekubhadhara gore roga roga, kufarira kunoderedzwa kusvika panguva iyo iwe paunotora kubviswa kwekambani ye annuity. Paunotenga annuity yakasimudzwa yakatarwa, kambani ye inshuwarisi ichakuudza iyo inofanirwa kutora chikwata chako mari ichawana.

Nokuda kwehuwandu hunoparadza vashandi vekutsvaga vasingazodi kuwana mari inowanikwa kubva kune yavo kusvika kune makore 59 ½ kana kuti gare gare, annuities yakagadzirirwa inogona kunge yakakosha. Usati watenga gore rakasarudzwa rinofananidza kudzoka kunopiwa kune dzimwe sarudzo dzakachengetedzwa dzakachengeteka sezvigwaro zvekuisa, uye hurumende zvisungo .

Variable Deferred Annuity

Kuisa mari mune imwe shanduko yakasunungurwa gore rakanyanya kufanana nekuve neboka rekubatana mari. Izvozvi mari inowirirana inonzi pasi-account kana iri mu annuity. Iwe unotarisira huwandu hwekutsvaga kwekutsvaga kwaunayo kuburikidza nekusarudza kubva kune yakasarudzwa mazita e-sub-maakaiti kusanganisira mabhizimisi uye zviyero zvekugovana.

Mari yako yekudzoka ichadzoka zvichienderana nekushanda kweavo vari pasi pe-account.

Pamusoro pekureba kwenguva refu, pamusoro pemamiriro akawanda emusika, vatengesi vangangodaro vari nani pakusimudza mune imwe nzvimbo yehuwandu hwemari mutual funds, panzvimbo yekushandura annuity, kune zvikonzero zviviri zvinotevera:

1. Chenjerera Nekusiyana-siyana Kwegore Rinotarirwa Kuteresa - Nokuti imari iri mukati mukati megore, mitero yose inoderedzwa kusvikira panguva iyo iwe uchibvisa kubviswa. Kuregererwa kwemitero kwekushandurwa kwegore rinowanzoitwa semashandiro e annuity vatengesi, asi kune vakawanda, zvinogona kunge zvisingabatsiri. Mitero inogona kunge yakakwirira mukurega basa, kwete pasi.
2. Annual Annuity Riders uye Rufu Rwokufa Runouya Pamusoro Pokudhura - Makambani eAnuity anopa zvikamu zvakawanda zvezvinhu zvinonzi vatasvi. Vatasvi vemabhiza avo vanogona kupa rufu rubatsiro rwekufa uye remangwana rekuwana mari, nguva zhinji pazvinhu zvakakwirira zvinokonzera kubhadhara kwako kwekuita mari. Zvizhinji zvekugadzirisa zvinhu izvi zvinokonzerwa nemari yekubhadhara inopfuura 3% pagore.

Equity-Indexed Annuity

Kuenzanisa-kunyorerwa annuity kunoshanda segore rakagadziriswa mune dzimwe nzira, uye sechinokanganisa annuity mune dzimwe nzira. Zvechokwadi, iyo inoratidzirwa ye annuity yakagadziriswa.

Equity-indexed annuities ine zvinhu zviviri: zvishoma nezvishoma zvakadzokorora kudzoka, uye mukana wekuwana mari yakakwirira kuburikidza nekukweretesa account yako nekudzoka zvichienderana nesarudzo inosungirirwa kune inozivikanwa yemusika wekorosi, seS & P 500 Index.

Izvo zvinowanikwa mukati mehutano-zvakakosheswa annuities zvinowanzoomera kuti munhu akawandisa azvinzwisise, uye zviyero zvinokwana-zvakakosheswa zvinowanzove nezvikwereti zvakakwirira (zvinogara kwemakore gumi kusvika gumi nemashanu).

Zuva Rakawanda Annuity

Paunenge uchitenga makore akawanda, iko kufanana nekutenga "hupenyu hurefu hwehutano inshuwarisi". Somuenzaniso, ngatiti kana wava nemakore makumi matanhatu, unoisa $ 100 000 mumakore akawanda. Kambani yeInishuwarensi inovimbisa kukupa huwandu hwehuwandu hwemararamiro emakore pazera rako rezera reku 85. Izvi zvingakusiya wakasununguka kushandisa mamwe mazivo, uchiziva kuti wakanga uine mvumo yekuwana mari yekukutsigira iwe gare gare muupenyu. Mitero nemari inowanikwa mumhando iyi ye annuity inoderedzwa kusvikira makore 85 paunotanga kubvisa mari yacho.