CHIKAMU CHECHIKAMU
TIAA Traditional Annuity inoshanda zvakasiyana paunenge uri kuchengetedza mari (inonzi chii yekuunganidza chikwata) pane zvainoita apo iwe unoshandura pane kutora mari kunze (chikamu chekubhadhara).
Muchikamu chekuunganidza, mutungamiri wako anovimbiswa uye iwe unowana huwandu hwakaderedzwa huwandu hwekuda. Ikoko kunogonawo kuva nemamwe mashizha akawanikwa. Izvi zvinowedzera mari inowanikwa gore negore neTIAA Board of Trustees uye gore rimwe nerimwe kubva muna 1948 TIAA yakabhadhara zvimwe zviyero zvekuwedzera kune chikwata pamusoro pehutengo hwakaderera huwandu.
Iko chaiyo yemari yaunowana pane yako TIAA Traditional Annuity inotarisa paunenge uri kupa mipiro, sezvo mari yakabatanidzwa pamwe mune zvavanotumidza se "zvitsva". Boka roga roga remari ringangodaro riine chido chekuda, uye chikwereti chechido pavhizha rimwe nerimwe rinogona kuchinja munguva. Iwe unogona kuwana tsanangudzo pamusoro pehuwandu hwechikwata chekukweretesa chirongwa muTIAA-CREF's Retirement Investments & IRAs Interest Rates peji.
Mhedzisiro yekuendesa mari kunze: Kusiyana nezvimwe zvizhinji zvingasarudzwa mumashandisirwo emakambani apo iwe unogona kuenda paIndaneti uye uchitumira mari pakati pezvisarudzo chero nguva, kana ukasarudza TIAA Traditional Annuity, haugoni kungoendesa mari kubva kunze kamwechete.
Nhanho yakakurumidza iwe unogona kutamisa mari kunze ndeyokusarudza izvo zvinonzi "kutora payout annuity" apo chikamu cheyeri yako chichaendeswa kunze kwegore gore rose kupfuura (gumi shomanana TIAA annuities inopa nguva yakasiyana yekuwedzerwa asi nguva yakawanda makore gumi ).
Izvi zvinoreva kana ukasarudza TIAA Traditional Annuity sarudzo, iwe unoda kunzwisisa kuti inopindirana sei nepurogiramu yako sekushandura pfungwa yako haisi nyore.
Izvi zvinokonzerwa nekushambadzira kunobuda zvakakosha pakubudirira kwaTIAA sezvo zvichibvumira TIAA kuti ive nesimba pamusoro pemari yakawanda inotarisirwa kuitira kuti inogona kuisa mari kwenguva refu uye inozadzisa chinangwa chekupa huwandu hwakakosha hwekufambisa uye panguva iyo inopa chivimbo kune mukuru. Iye zvino ngationei zvinoitika kana iwe uchida kutora mari kubva kune yako TIAA Traditional Annuity - chii chandinoti "chikamu chekubhadhara".
PAYOUT PHASE
Panguva yekubhadhara chikamu, une zvinhu zvitatu zvakasarudzwa. Apa ndipo pandinoona zvakanyanya kuvhiringidzika. Zvisarudzo zvako ndezvi:
- Kubhadhara kubva kumatare edzimhosva - izvi zvinokubvumira kubvisa chete chibereko chawanikwa kubva kuTIAA Traditional Annuity. Nezvo sarudzo, kune chibvumirano chakasimbiswa chinotarisirwa chaunotarirwa chinogadza chibvumirano chechibvumirano chakachengetedzwa chekufarira iwe uchawana. Ichi chisarudzo hachidi kuti iwe usapedze chibvumirano chako - iwe uri kungotora chikwereti chakawanikwa. Sezvakaitika pakugadzirisa chikamu, ichi chidimbu chechido chekuda chinogonawo kuwedzererwa nemari yakawedzerwa sezvakaziviswa gore negore.
- Upenyu annuity unobhadharwa payout mazano - iyi sarudzo inopa mari yakachengetwa chero bedzi iwe uchirarama. Iwe unosarudza nguva ye annuity yakadai sehupenyu chete, vapenyu vanobatana, kana hupenyu panguva yakatarwa yakati. Nechisarudzo ichi, unofanirwa kukumbira annuity quote kuti uone kuti mari yako yemwedzi inenge iri kupi. Iwe haufaniri kushandisa chikwata chekuda chawakataurirwa chakataurwa pamusoro apa kuti uone mubhadharo wako wekubhadhara . Chido chekuda uye kubhadhara mubhadharo hachisi zvimwe chete, uye vazhinji vatori vechikamu veTIAA havanzwisisi izvi uye naizvozvo vanokanganisa mari yemwedzi yavanogona kuwana. Mari yako yekubhadhara inhamba yakatarwa yakatarwa nezera rako, nguva yaunokumbira chirevo, uye nguva yekubhadhara yaunosarudza. Nhamba yako yekubhadhara inoshandisa huwandu huri pasi hwehuwandu hwechikwata muhuwandu (imwe yakasiyana pane iyo yekuunganidza chikamu) iyo inosarudza mari yako yekubhadhara - asi huwandu hwehuwandu hwekudavira huripo hahuri mubhadharo wako wekubhadhara - inongova imwe chete chikamu chemuumbi. Nekubhadhara mari yegore, mutero wega wega unogamuchira unosanganisira kufarira uye kudzoka kweimwe yako mukuru. Kungofanana nekuunganidza kwechikamu, pane zvimwe zviyero zvinogona kubhadharwa pamusoro pehutano hwako hwehupenyu hwakavimbiswa muchikamu chekubhadhara. Izvi zviyero zvinowanikwa kana / kana kambani ine zvakawanda zvakachengetedzwa. MuTIAA Traditional Annuity , vanotaura kuti "Zvakakosha kuziva kuti kana TIAA yaiva yekambani yemakambani eishuwarenzi, zviwanikwa zvisina kuwanikwa zvinogona kushandiswa kuti zviwanikwe nevatengi vayo kunze kwevatori vayo." Nenzira yevatori vechikamu cheTIAA, zvimwe zviwanikwa zvinoshandiswa kwavari. Kuwedzera pane nguva yekubhadhara iwe unosarudza, unogona kusarudza pakati pemutambo wakagadzirwa, apo iwe unowedzera zvishoma pakutanga asi mari yako inowedzera gore roga rega, kana nzira inowirirana, inopa mwedzi wakatarwa mwedzi.
- Kubhadhara kubva kune variable annuity - iyi sarudzo inopa hupenyu hwemazuva ose mari iyo ichasiyana zvichienderana nekushanda kwezvakakosha zvekutsvaga kwekutsvaga. Nechisarudzo ichi, sarudzo mbiri pamusoro apa, uri kubvisa chikwangwani chako uye kusarudza nguva ye annuity yako.
TIAA CREF's Lifetime Retirement Revenue brochure inobata basa guru rekuisa zvinhu zvitatu uye pamagumo, inopa rutivi nemimwe muenzaniso muenzaniso wemwedzi wemwedzi kubva pane imwe neimwe nzira. Iyi inongova muenzaniso chete uye haisi kufungidzira mari yaunowana pamwedzi iwe waunogona kuwana. Iwe unofanirwa kukumbira mufananidzo wakagadzirwa nemunhu kuti uone nhamba yako. Uyu mufananidzo unokuratidza iwe musiyano pakati pekubhadharwa kubhadharwa kwakabvumirana nechokuita sarudzo mbiri pamusoro apa, uye mukana wokubhadhara unogona kusanganisira mari yakawedzerwa inogona kupiwa gore negore nebhodhi.
TIAA's Online Retirement Planning Tool
TIAA inopa hurukuro yakawanda yekugadzirisa basa rekushandira basa (iwe unofanira kupinda iwe kuti uishandise) iyo inokubvumira kuti uenzanise zvazvinogona kuendeswa kune zvisarudzo zveTIAA Traditional Annuity. Kuti uratidze mufananidzo uyu mukati mechigadzirwa, unofanirwa kutengesa kutengesa kuChechi Annuity. Vamwe vatori vechikamu vanofunga kuti kuita kudaro kwave kuchiendesa mari - asi mukati mechishandiso, ndeyekuti zvinangwa zvekufananidzira - hapana kuchinja kwechokwadi kuri kuitika.
Takaona kuti haisi iyo yose TIAA-CREF yevashandi vese reps inodzidza mavara ose emari yekuwana uye kusarudzwa. Yeuka, vazhinji vashandi vezvekushambadzira basa ndivo makore mashoma kubva kuchikoro. Iwe, kune rumwe rutivi, une makore ane ruzivo. Iva nemwoyo murefu uye ushingaira mukutsvakurudza kwako uye iwe uchakwanisa kunyatsoongorora nekuenzanisa zvaunogona kuita.
Mhedziso: kana iwe uchida mhedzisiro yakagadziriswa, uye iwe unogona kuwana TIAA Traditional Annuity, ichisarudzo chikuru.