Mamwe makambani anoda kuti iwe utore chirongwa chako chepenjeni muchimiro chekubhadharwa kwemari; zvinowanikwa mwedzi miviri yehupenyu hwako.
Makambani mazhinji uye akawanda, asi, arikupa sarudzo yekutora mari yako yepenjeni sechirwere chekupa mari panzvimbo yekubhadhara mari. Kana, mune dzimwe nguva, iwe unogona kutora chikamu chayo se annuity uye chikamu semari yemari. Pasi pane zvinhu zvokufungisisa, uye muenzaniso wekuti unoita sei kuenzanisa kuenzanisa.
Nzira neZviyo zveLump Sum Distribution
Vanhu vazhinji vanofarira pfungwa yekutora chikwereti chemari. Heino chikonzero nei:
- Kuwana mari yekuita nayo sezvaunofarira.
- Kana ukagadzirirwa zvakakodzera, unogona kukwanisa mari yakafanana yemari inowanikwa gore rekupa, uye kuchengetedza kutungamirirwa nemukuru wechikoro kuti apfuurire kune vagari venhaka.
Asi, vanhu vazhinji havafungi njodzi dzekutora chikwereti chemari. Heino ivo:
- Kuva nekuwana mari yemari yakaita kuti zvive nyore kuzvishandisa nekukurumidza.
- Kana mari isingatarisirwi, isina mari yakawanda, kana misika haisi kuita zvakanaka pamakore gumi ekutanga ekurega basa, iwe unogona kupera mari.
Nzira neZvipo zveAn Annuity
An annuity nebhazha rakanaka rekubhadhara rine zvimwe zvinobatsira zvakadai se:
- Mari yakavimbiswa yeupenyu. Iwe haugoni kupfuurira mberi mari yako.
- Hapana hutungamiri hutungamiri sarudzo kana mabasa.
Nzira yekutora iyo annuity offer ndeyi:
- Kana iwe uine penheji yakawanda, chikamu chemazuva ako emangwana penheyo yehutano hunoenderana nehutano hwemari hwewaimbova mushandirwi. Kubatsirwa kunogona kuderedzwa zvakanyanya kana vasingakwanisi kutarisira mari yavo yepenjeni. Zvisinei, pamwe nepensions dzakawanda, chikamu chemari yako yepenjeni inobhadharwa nePBGC (Pension Benefit Guarantee Corporation).
- Chimwe chemwe mwedzi unochengetedzwa hachizoenderera mberi nekutengesa. (Dzimwe mari yepensheni ine mari yekugadzirisa mararamiro akavakwa, asi vazhinji havaiti.)
Kana ukangonzwisisa zvinowedzera uye zvinotambudza, unofanirwa kutarisa huwandu hwekudzoka kwekusarudzwa kwega woga uye kuenzanisa izvozvo nezviitiko zvinotanganisa.
Pasi pane muenzaniso. Numeri anobva kune munhu chaiye akaregerera uyo ari kuedza kusarudza kana aifanira kutora chikwereti chemari kana kuparidzirwa annuity.
Muenzaniso: Lump Sum kana Annuity Pension Distribution
Ngatifunge kuti Joe ane makore makumi matanhatu nematanhatu, anenge ava kuda kupedza basa, uye ane zvingasarudzwa pamusoro pekuti anounganidza sei penheji yake.
- Upenyu humwe chete hunokwana $ 2 250 pamwedzi
- 50% pamwe chete uye akapona annuity: $ 2 078 pamwedzi
- 100% pamwe chete uye akapona annuity: $ 1,931 pamwedzi
- Upenyu annuity nemakore 10 zvimwe: $ 2 182 pamwedzi
- Chikwata chemari yekugovera nguva imwechete: $ 347,767 kuti ienderedzwe kuIRA yake
Tsanangudzo yeparheni annuity zvisarudzo
Kana Joe achisarudza upenyu husina humwe annuity option achabhadharwa $ 2 250 nokuda kwehupenyu hwake hwose. Kubhadhara kwemwedzi kwega kwega kunomira paanofa, saka kana akararama gore rimwe chete, hapana mari yakawedzerwa ichabhadharwa. Kana iye akaroora, mudzimai wake haazogoni kuponeswa.
Kana Joe achisarudza 50% pamwe chete uye akapona annuity sarudzo , achabhadharwa $ 2,078 pamwedzi, uye paakafa, mudzimai wake aizowana $ 1,039 pamwedzi chero bedzi iye achirarama.
Kana Joe akasarudza mukana wega wega wega uye iye anopona , iye nemumwe wake vachawana $ 1,931 pamwedzi chero bedzi mumwe wavo achiri mupenyu. Muchiitiko ichi, Joe ari kutora madhora 319 pasi pamwedzi kuitira kuti mudzimai wake arambe achiwana ruzivo rwakanyanya pakufa kwake. Funga nezve $ 319 / mwedzi sekutenga inshuwarisi yehupenyu.
Maitiro Aya Emapato Okugadzirisa Kwemakore Akasiyana Kuenzanisa Nokutora Bundu Sum Distribution
Kuti apindure izvi, Joe anofanira kuverenga mukati mhenje yekudzoka kwe annuity uye kuenzanisa izvozvo kune zvakatarisira mukati mekudzoka kwezvikwereti zvaaizoita kudai akatora chikwereti chemari.
Kuti uverenge mukati mekudzoka kwehupenyu humwe chete annuity penheji yekusarudza, Joe anofanirwa kutarisa zvisarudzo zvishoma zvoupenyu hwekutarisira. Kutanga, shandisa purogiramu yemari ye $ 347,767, mwedzi mumwe webhadharo ye $ 2 250 mwedzi mumwe nomumwe kwemakore makumi maviri, uye hapana chakasara pamagumo.
Izvi zvinomiririra kune 4.76% mukati yehuwandu hwekudzoka. Zvadaro shandisa nhamba imwe chete, uye nemari yemakore makumi maviri nemashanu. Izvo zvinofananidzwa kusvika kudarika 6% mukati mekudzoka kwekudzoka, uye oita Joe ave nemakore 87, izvo zvinotarisirwa kutarisira upenyu hunotarisirwa kushandisa.
Nokuda kwekubatanidzwa kwe 100% uye kupona annuity, uye makore makumi maviri nemashanu ekubhadhara, mutengo wekudzoka ndewe 4.49%. Kana mudzimai waJoe achiri muduku, uye chikwereti chemakore makumi matatu chakaitika, icho chinokanganisa kudzokera ku 5.29%.
Kana Joe atora chikwereti chemari, anowana $ 347,767. Anokwanisa kusarudza kushandisa mari iyi asi anoda. Kana akatevera mitemo yekuregererwa , anogona kukwanisa kugadzira mari ye5% pagore, anokwanisa kuwedzera mari iyi gore roga roga kuti abatsire kugadzirisa migumisiro yekutengesa, nekuchengetedza kutungamira kwake; zvisinei, aizoda kutevera kusagadziriswa kwekutsinhanisa mazano pamusoro penguva yakareba yekuita izvi, uye-zvechokwadi - hapana hunovimbisa kuti huchashanda mumamiriro ose emisika. Kana ikashanda, heino mari yaungatarisira Joe:
$ 347,767 x .05 (5%) = $ 17,388 / gore pakutanga, kana $ 1,449 pamwedzi, uye kuwedzerwa kutarisirwa gore roga rega kuti vabatsire kubvisa migumisiro yekuderera. (Panguva iyo Joe anosvika 82, kana zvikwereti zvichikwanisa kutsigira kuwedzera kwe2% pagore, kugoverwa kwake kwaizowedzera kusvika $ 2 239 pamwedzi.)
Kushandisa kukosha kwemazuva $ 347,767, kubhadhara kwemwedzi kwe $ 1,449 inowedzera gore negore ne 2% pagore uye Joe kutarisa kweupenyu hwemakore anenge makumi maviri, uye kuwedzerwa kwemazuva emangwana $ 347,767, izvi zvaizofananidza nehumukati hwekudzoka inenge 6.5% . Ichi chiyero chekudzoka chiri kutora mari yacho inotarisirwa zvakakodzera, nokudaro kupa zvipo zvekugadziriswa kwezvakagadziriswa panguva yekuchengetedza mukuru.
Kuenzanisa Pension Annuity kusvika kuLump-sum Distribution
Mubvunzo Joe iye zvino unofanirwa kubvunza ndewokuti, "Ndizvo zvingangodzokorora kudzoka zvakakodzera here Joe kuti atange pangozi yekutarisira zvinhu zvake pachake?" Vamwe vanhu havanzwi vakasununguka nemari yakasara muurongwa hwepenjeni yekambani. Vamwe zvachose havanzwi vakasununguka kuisa mari yacho kunze kwechirongwa kune IRA uye kuzvitarisira ivo pachavo kana kukwereta mumwe munhu kuti aite.
Iwe unofanirwa kuongororai zvinowedzera uye zvakashata, uye yakaenzana nemari yekudzoka, uye uzviite sarudzo yako. Munguva yakapfuura, inenge chikamu chetatu chemazuva, puroforeti yakachengetwa zvakanaka ingadai yakazadzika mukati megore rega yehuwandu hwekudzoka kwaive pasi pe6%. Izvi ndezvokuti chimwe chinhu chinonzi kugoverana nengozi chinogona kuchinja zvakanyanya paunodzoka apo iwe uri kubvisa mari kunze. Usavimba nemusika kuti upe pamusoro pekudzoka kwekudzoka pakubhadhara.
Zvizhinji zvekupa mari yakawanda zvinonakidza, kunyanya kana iwe unobata mukana wekurarama kwenguva refu. Usapfuurire annuity kupa pasina kuongororwa uye nheyo yakasimba yekuti nei chikwama chakanaka chisina musoro mumamiriro ako ezvinhu.