Annuities Glossary
Zvikwereti zvemari yemari ndeye mari yaunobhadhara kune rimwe gore. Nemhaka yokuti annuities ndiyo inishuwarenzi makontrakiti, vanoshandisa inshuwarimi izwi. Kubhadhara kune mamwe maguruvhisi eshuwarisi (zvakadai semotokari kana inshurensi yehupenyu, somuenzaniso) inonziwo premiums.
Kunyange zvazvo zvinoreva zvinogona kuve zvinokanganisa, premiumity premiums zvinowanzoita kuti mari inoshandiswa.
Zvikwereti zvinoshandisa inshuwarisi kambani yemiti, saka chero chipi zvacho chinovimbisa (chakadai semari yekuwana mari) haisi hurumende-inovimbiswa - inotarisana nekambani ye inshuwarisi yekukwanisa kubhadhara.
Ikuti Annuity Premiums Work
Imari yepamusoro inobhadharwa mu annuity ndeyekutsvaga mune dzimwe nguva.
Pakutanga kwekutsvaga: Kutanga chibvumirano, iwe unogona kuisa mari yekusimudzirwa muchibereko. Somuenzaniso, iwe unogona kutenga kutenga annuity ne $ 10,000. Kuti uite kudaro, iwe waizozadzisa kushandiswa kwemakore uye kunyora cheki ye $ 10 000. Iko $ 10 000 yaizove yako yero yekutanga yakabhadharwa muchibvumirano che annuity.
Zvikwereti zvinoenderera mberi : Unogonawo kuita zvikwereti zvinoramba zvichiitwa mu annuity (kutora chikwangwani chako uye mitemo yakabhadhara mitero inokubvumira kuti uite saizvozvo). Zvichienderana nekambani yenyu ye inshuwarisi, iwe unogona kukwanisa kuisa mishanduko yemwedzi wesekudhinda neACH , kana iwe unogona kunyora cheki kana kukumbira kushandiswa kwemagetsi ku-kuda.
Rimwe-nguva bedzi: Vamwe vanhu vanongotora mari imwe chete yokubhadhara mari yepayimusi - kana imwe yekusimiswa - nehomwe yemari. Mushure mezvo, vanongosiya mari yekutanga iyo voga uye vanoita kuti gore riite zvinhu zvaro kwemakore akawanda (kana kupfuura). Nguva dzose inokosha kuti uongorore hupfumi hwako nguva dzose, asi iwe haufaniri kuwedzera ku account kana iwe usingadi.
Akaunti inoshandurwa: Unogonawo kubhadhara annuity kuburikidza nokuendesa zvinhu kubva kune imwe kero, kana iri annuity kana rumwe rudzi rwekambani. Kana uchitumirwa kubva kune rimwe remakore, teerera zvakanyanya mitemo ine chokuita ne-kind charchanges.
Marikiti yemakadhi: Iwe kazhinji haugoni kuita kuti annuity iwane mari yechikwereti. Iwe unogona kubhadhara auto inshuwarisi (kana mamwe) premium pamapurasitiki, asi annuities dzakasiyana nekuti iwe kazhinji uri kuita bhadharo nehomwe yega yega.
Dhora rinogumira: Tarisa nekambani yako yeinishuwarenzi kuti uone kana kune zvishoma kana zvikwereti zvisingasviki pamayuniamu. Kana yenyu annuity iriwo rimwe rekuchengetedza rekodhi (IRA), funga nezvemiganhu ye IRS pamusoro pekuti iwe unogona kugovera gore rega rega.
Nguva Yenguva Yakazvipira
Usati wapihwa mari yekuita mari, ita nechokwadi kuti unonzwisisa kuti unogona kuvhara mari iyo kwenguva refu:
- Kana iwe ukakonzera mari iyo kunze kwekuti nguva yekuzvipira ipedze , iwe unogona kunge uchibhadhara mutero wemhosva kune kambani ye inshuwarisi.
- Iwe unogona kutarisana nemigumisiro yemitero yekubvisa mari kubva kune rimwe remari, kusanganisira mitero yemari inokonzerwa nekuwedzera mitero yemitero.
Enzanisa Annuity Premiums kune mamwe maInishuwarenzi
Kune mamwe annuities, haufaniri kuramba uchiita kubhadhara premium sezvamunoita nehutano hwehupenyu hwe inshuwarisi kana motokari dzishuwarenzi.
Zvechokwadi, iwe unofanira kujekesa chaizvo izvo zvinodiwa mumamiriro ako chaiwo uye nekodhidhi yako yakasiyana - haudi kurasa chero kodzero kana zvikomborero! Uyezve, kana iwe uchiwedzera, iwe unenge uine gare gare, saka zvingava zvakanaka kuwedzera pane chero mari iripo (kuchengeta kontati ye annuity ndiyo nzvimbo yakakodzera yezvinhu izvi zvitsva, izvo iwe unofanira kuramba uchiongorora zvakare). Kana iwe uchida rubatsiro, kurukura zvaunoda uye zvaunosarudza neChipatimendi Chekuita Kwemari uye wezvenyanzvi yemutero.
Dzokera kune Annuities Overview peji.