Anokurumidza annuity ingano yekuchengetedza ngozi
Anokurumidza annuity isiri yekugadzirisa nguva dzose mari. Inonyanya kushandiswa kupa mari yakazara yevatorwa. Zvingave sarudzo yakanaka yezvaunoda, zvisinei, zvinoenderana nemamiriro ako.
Chii Chine Nguva Yakawanda?
An annuity is contractual financial product. Muzviitiko zvakawanda, inobvuma uye inosimudza mari kubva kune mumwe munhu uye inobhadhara mari yakabvumirana-gore rimwe nerimwe.
Mune zvimwe zviitiko, annuities inobhadharwa pamakore emakore isati yatanga kubhadhara. Anokurumidza kubhadhara annuity, zvisinei, inotengwa nechinguva chimwe chete-kubhadhara mari uye inotanga kubhadhara pakarepo.
Fungidzira, somuenzaniso, kutengesa imba yako uye kuisa mari yacho yose mumwedzi wekupedzisira. Iwe ungadai wakazobvumirana-pamusoro pemari yekuwana nhamba yakatarwa yemakore kana kunyange kwehupenyu hwako hwose. Iwe haungatori, asi iwe, une sarudzo yekuisa mari kana kushandisa mari yako neimwe nzira.
Ndezvipi Zviitiko Zvokupedzisira Zvokuita Uye Hazvipi Zvokupa
Zvipfeko ndezvorudzi rweinishuwarenzi, uye inshuwarisi inzvimbo yekuchengetedza ngozi-kwete inotengeswa. Apo iwe unotenga nguva yakangoita annuity, iwe uri kuisa chigumisiro chairo, kwete kuisa hupfumi. Mhedzisiro yauri kutenga ndeyekuwana mari yakawanda. Chinokosha chekushandisa nguva yakatarwa gore rakanaka ndechokuti unzwisise zvauri kusimudzira uye kuti unokoshesa sei rubatsiro runopiwa.
Apo iwe unotenga nguva yakangoita annuity iwe unopinda muchibvumirano nekambani yemishuwarenzi kuti utenge kugadziriswa kwekuwanikwa kwekuwana mari. Kambani yeInishuwarenti inotora kuwanda kwemari yepamwedzi yavanokwanisa kugovera zvichienderana nezvimwe zvinhu zvakadai se:
- mhando ye annuity (yakagadziriswa, yakasiyana kana inoplation-yakakonzerwa)
- izwi re annuity yaunosarudza (hupenyu-chete, hubatanidza hupenyu, nguva yakati)
- makore ako uye zvepabonde (saka vanogona kuenzanisa upenyu hwako kutarisira )
Kuverenga Ngozi uye Mukana: Mhando dzeNhoroondo Dzakawanda
Iwe unenge uine zvisarudzo zvakati wande kana iwe ukatenga kamwechete annuity. Iwe unoda kuwedzera mari yako ikozvino, kana iwe ungagamuchira chikwereti chakaderera chemari inokwidziridzwa ne inflation here? Kana iwe uchida mari yakawanda nhasi, sarudzo yakatarwa yekubhadhara yakanakisisa. Kana iwe uchida mari inowedzera nehuwandu hwemari inotengeswa iwe unofanira kutora mari shoma yemwedzi ikozvino.
Unoda mubhadharo wakatarwa, wakatendwa here, kana iwe unoda kushandiswa kushandiswa kwakasiyana-siyana kunogona kukwira kana misika ichikwira? Nekushandurwa kwakasiyana-siyana, mutengo wemwedzi wega wega unogona kuva nechikwereti chakasimbiswa nechikamu chekubhadhara chakasungirirwa kumusika wekambani, kana mari yose yekubhadhara inogona kunge yakavakirwa pane zvinoita basa rekutengesa uye mari yezvisungo.
Ongorora mhando dzakasiyana dzemari yekubhadhara mari usati watenga. Sezvo chinangwa chekugadzirisa mari iri kutarisira njodzi, mari yakatarwa yekubhadhara ndiyo yandinofarira.
Mitemo
Apo iwe unotenga gore rakapedzisira iwe unofanira kusarudza nguva ye annuity , iyo ichasarudza kuti nguva yako yakawanikwa yakagadziriswa ichapedza nguva yakareba sei.
Izwi rokuti rimwe annuity richava nemari inowana mari inotora imwe yenhamba yemakore, asi hupenyu huripo hunotipa mari yakavimbiswa chero bedzi uri mupenyu. Kune humwe hutano-hupenyu hunosarudzwa, huripo huripo kwenguva yakareba kana umwe wegore rimwe chete ari mupenyu. Panewo dzimwe sarudzo dzinopa kudzoka kwevakuru, saka kana iwe ukafa usati wasvika muwandu waunenge waisa mune chigadzirwa wakabhadharwa kunze, ipapo imwe yero yakasara ichaenda kune vagari venhaka yako.
Mukuru iwe uri wepamusoro pamari yaunowana pamwedzi iwe waunowana. Inishuwarensi inotakura inoshandisa tafura yezvinoarial kuti uverenge tariro yako yeupenyu. Mukuru iwe uri, makore mashomanana avatarisira kuti urarame. Zvikwereti, saka, zvakakwirira kana iwe ukamirira kwenguva yakareba kutenga yako annuity. Vakadzi vanowanzorarama kwenguva yakareba kupfuura varume, saka mari yekubhadhara yevakadzi iri pasi kudarika varume.
Annuity Immediate Rates
Nhamba dzakawanda dze annuity websites dzinojekesa nokukurumidza annuity rates inowanzoti inhare yekubhadhara . Izvo hazvisi zvakafanana nehuwandu hwekudzoka kana kubereka. Iwe haufaniri kushandisa nguva yakatarwa payuity payout, kana kuti yakaenzana muwandu hwekudzoka kuzokuenzanisa nedzimwe mari. Iwe unotenga zvinyorwa zvezvivimbiso, kwete zvekudzoka. Kana iwe uchirarama kwenguva refu iwe unodzoka gore rinouya richapa. Iwe unogona kufananidza kuwedzera kwemari kubva kune imwe kambani kuenda kune iyo inopiwa neimwe ikambani.
Paunoshandiswa sechikamu chepurogiramu yekubvisa mari yepamusoro, mari inowanikwa pamwedzi kubva kune imwe nguva inoshandiswa inoreva kuti imwe mari yaunogona kunge inogona kushandiswa kwenguva refu. Nokufamba kwegore gore rinokurumidza rinogona kuunza hupfumi hwakawanda. Izvo zvinogadzirawo kuchengeteka. Izvo zvinhu zvakakosha izvo zvisingakwanisi kuyerwa nekunyatsoona kutarisa kwekudzoka.
Kuti uwane zvinyorwa zvisingabatsiri pamarudzi ose e annuities edza Annuities.direct. Ne "hapana avo vashandi vanodiwa", unogona kunzwa uine chivimbo chokuti havangagoni kukutambudza nefoni kana zvokutengesa zvinhu.
Ingava Nezvemakore Akakodzera Here?
Pano pane mibvunzo mina yaunogona kushandisa kusarudza kana chigadzirwa ichi chakanaka kwauri.
- Iwe unosarudza kuchengetedza uye unovimbisa pane zvishoma zvingasarudzwa here?
- Ndezvipi zvisingasviki makumi mashanu kubva kune makumi mashanu zvezvikamu zvako zvinotarisirwa kubhadhara mari inoshandiswa nemari yakachengetedzwa yemari yakadai seSocial Security uye pensions?
- Iwe une hutano uye iwe unofunga kuti pane mukana wakanaka here unogona kurarama kwenguva yakareba kudarika mararamiro eupenyu hunotarisirwa?
- Iwe unonetseka here nekupedza-kupedza nguva pfupi mukurasira, kushanda kwemari gare gare, nekudzivirira hupenyu hwako hweramangwana kubva pane zvisarudzo zvisina kunaka nekuda kwekunonoka kwekuziva?
Kana iwe uine hongu mhinduro kune chero ipi zvayo mibvunzo iri pamusoro apa, gore rinotevera rinogona kuva nenzvimbo muurongwa hwako hwekubvisa mari. Iva nechokwadi kuti unotarisa kushandura yako annuity kutenga kune yveshuwarisi vatakuri uye kupfuura nguva.
Zvakadini kana ini ndisingadi kuve nemakore?
Nekuwedzerwa kwemari yakawanda, iwe haugone kuchinja pfungwa yako kana kambani yatenga. Semuenzaniso, kana iwe wakanga uchigamuchira ruzivo rwako rwemari kwemakore maviri, uye iwe kamwe kamwe unoshandura pfungwa dzako, haugoni kubvisa ruzivo rwekuwana uye uwane mari yako yakasara yemari yakadzoka. Kana ukasarudza iwe zvachose waifanira kuva nemari yemari, iwe unogona kuwana kambani yekunze, yakadai saJD Wentworth, kutenga mari yako yekuwana kubva kwauri pamutengo wakaderedzwa. Kana iwe unogona kuedza webhusaiti seQuoteMeAPrice iyo inotora mabhizimusi pa annuity yako.