Semuenzaniso, inowanikwa nokukurumidza annuity webusaiti inogona kunyora annuity rate se 7%. Izvi zvinoreva $ 100,000 nokukurumidza annuity kutenga iwe ungagamuchira $ 7,000 pagore. Izvi hazvina kufanana nehuwandu hwekudzoka kwe7%, uye hazvina kufanana nezvibereko zve 7% nokuti nebhadharo rega rega rakagamuchirwa uri kuwana chikamu chekudzoka kwako.
Iwe haufaniri kutora mutengo uyu wekubhadhara we7% uye woenzanisa nomumwe kunekutsvaga kwakafanana neCD, bond fund, kana kubhadhara mari yechikwata. Icho hachisi kuenzanisa kwakanaka.
Kushandiswa kwemari kusinganzwisisiki kwekutengeserana kwezvinhu zvinotyisa, kwete mari, saka kazhinji hachisi chikonzero chakamanikidzika chokuenzanisa chiyero chekudzoka kune mamwe masimba, asi iwe ungada kuziva chiyero chekudzoka kune zvimwe zvikonzero. Kuverenga chairo chekudzoka pamusana pegore rinowedzera zvakaoma kupfuura zvinonzwika sokuti mukana wekudzoka wekuti gore rinouya rinosunungura rinowirirana zvakakwana paupenyu hwako hwekugara.
Nzira yekuverenga sei Kudzoka Kwegore
Nzira yakanakisisa yekutsanangurira ndeyokutarisa muenzaniso. Heano pane zvinyorwa:
- Murume, ane makore makumi matanhatu nemashanu, anotenga hupenyu humwe chete huripo gore rinenge rapera
- Annuity kutenga mari yakawanda: $ 100,000
- Mari inogadziriswa: $ 700 pamwedzi ($ 8,400 pagore)
Pakutanga kuona, mari yakagadziriswa ye $ 8,400 pagore yaizoita yakaenzana nehuwandu hwe8,4%.
Mukushambadzira mashoko anotsanangura annuity, inogona kureva 8.4% semutengo wokubhadhara. Hongu, iyo annuity iri kukubhadhara iwe kunze kwe8,4% yemari yako yekutsvaga mari gore roga rega, asi chikamu chebhadharo imwe neimwe ndeyekudzoka kwako mukuru. Kana ukararama kwenguva yakareba zvakakwana kuti vadzorere mutungamiri wako wose kwauri, vakavimbisa kuti vacharamba vachikubhadhara $ 8,400 pagore chero bedzi mauri kurarama.
Inonzwa huru. Asi waitai ...
Nehupenyu humwe chete annuity, mari inopera paunofa, uye mari yekutanga inowanikwa inowanikwa yekambani ye inshuwarisi. Iwe unofanirwa kuziva hupenyu hwako tarisiro kuti uverenge inofungidzirwa mukati yehutano hwekudzoka.
Upenyu Hurefu Tarisiro Inofanana Nekudzoka Kunowedzera
Mumuenzaniso wepamusoro, ngatifungei kuti mukomana ane makore 65 ane tarisiro yeupenyu yemakore 18. Pa $ 700 pamwedzi, mushure memakore gumi nematanhatu, gore rekuda raizobhadhara mari inosvika $ 151,200.
Kuti uverenge mukati yekudzoka iwe unoda kuvhara nhamba yacho muchengeti yezvemari, kana kuti muparadheet yepamusoro.
Iwe unoshandisa $ 100,000 semari yezvino, $ 8,400 sebhadharo yegore negore ($ 700 pamwedzi kubhadhara), makore gumi nemana (18) semutambo (kana kuti mwedzi 216 kana uri kuverenga pamwedzi), uye iwe unogadzirisa mukana wekudzoka, iyo ino nyaya yacho inenge 5%.
A 5% yehutengo yehutano hwekudzoka haisi yakaipa.
Kana munhu iyeye airarama makore makumi matatu, mutengo wekudzoka unokwira kusvika ku7,50%, sezvo iye zvino mairi $ 100,000 okutsvaga kwekutsvaga akapa $ 252,000 emari.
A 7.5% inodavirwa midzo yekudzorera inoshamisa.
Zvisinei, zvakadini kana iwe ukararama makore mashanu chete?
Upenyu Hwapfupi Tarisiro Inofanana Nekudzoka Kwezasi
Kana iwe ukatenga upenyu annuity, uye kurarama kwemakore mashanu chete, uwandu hwekudzoka hahuna hanya.
Pa $ 700 pamwedzi pamusoro pemakore mashanu, mari yose ye $ 42,000 inobhadharwa. Muchiitiko ichi, mari yehupfumi inokanganisa $ 58,000.
Kwete zvikuru.
Sezvaunogona kuona, kana iwe uchirarama kwenguva yakareba, hukuru hwekudzoka kwokuti mari yakatarwa yekubhadhara yakakwana inopa. Izvi ndizvo zvinoita kuti rudzi urwu rwe annuity ruve nyore-kutakura chigadziro. Iwe hautengi kuzvitenga kune mukana wekudzoka; iwe unotenga iyo kuchengetedza mari yako pane hupenyu hunogona hurefu.
Iwe unogona kushandisa nguva yakatarwa yehuwandu yekuenzanisira imwechete yakangoita annuity kune imwe, asi iwe haufaniri kuishandisa kana uchifananidza annuity kune dzimwe sarudzo dzekutsvaga.