The Investment Component
Neine variable annuity, iwe unosarudza kusarudza mari iyo ichaiswa sei. Idzo dzinodzoka dzichasiyana zvichienderana nehutano hwehutano hwemari yaunosarudza.
Ndokusaka inonzi variable annuity. Mukuenzanisa, negore rakasarudzwa iwe hausaruri mari; panzvimbo iyo, kambani ye inshuwarisi inoshandisa mari yako uye inokupa iwe nekudzoka kwakatemwa kunofanirwa, zvakadai sekushanda kweCD.
Iwe unosarudza zviwanikwa mukati mekushandurwa annuity kubva kune yakasarudzwa mazita emari (idzi mari dzinonzi ma-account-mukati mukati me variable annuity) iyo inogona kubva kubva mune zvechisimba mari yekuchengetedza kushandiswa kwemari. Zvisarudzo zvinyorwa zvinyorwa zvingave zvinosanganisira bluu-chip stock fund, nyika dzese dzemari, mari shomanana yemari, mari yakasiyana-siyana yebhandi yemari, nhumbi dzinokosha, sarudzo dzakasarudzwa , nemari yemari. Zvesheni dzakawanda dzakasiyana-siyana dzinoshandisawo mapepafisi emuenzaniso wamunogona kusarudza kubva.
Iwe unowanzokwanisika kuisa mari yako mu variable annuity, saka ivo vanozvinyatsogadzirisa purogiramu yakatarwa (yakadai gore negore kana roga roga), kana kuti iwe unogona kuisa paakaunti yako paIndaneti uye kuendesa zvikwereti zvakapoteredza sezvaunoda.
Chimwe chezvinhu zvakasununguka zvekushandurwa kwegore rinokanganisa ndechokuti, sezvo iwe unogona kutsvaga mari yako pachako, unogona kukwanisa kuwana yakareba yakadzoka kwenguva refu kupfuura iyo yakasimbiswa annuity yaizobhadhara. Izvi zvinogona kudzorera - sezvo zvichienderana nemari yepamusoro mune zvibvumirano zvakawanda zvakadaro kazhinji kushandiswa kwemari inowanika annuity kunowedzera kuipa kudarika podfolio ye index index
Inishuwarenzi Inowanikwa
Sezvo kushandiswa annuity isungano nekambani ye inshuwarisi, panofanira kunge kune imwe yerinishuwarenzi inopiwa. Yakawanda yezvibvumirano zvepagore zvinoratidza kuti mari yawakapa iwe ichabhadharwa semufa wekufa. Zvinoreva kana zvikwereti zvako zvichiita kuti kurasikirwa kwako, uye iwe upfuure, iwe anonzi anonzi anowana mari inodzorera mari yepakutanga yawakapa (zvishoma chero zvipi zvako zvingave zvakatorwa iwe). Izvi zvinobatsira rufu kunobvumira kusununguka kwekodzero yekuita sangano rehushuwarisi.
Sezvo iyo inokodzera semvumo yehushuwarisi, chero upiwe wekutsvaga mari inobhadhara mitero-inoderedzwa. Iwe haugamuchiri fomu 1099 yemutero gore roga roga pane zvekuda, zvikamu uye mari inowanikwa kubva kune variable annuity. Pane kudaro, iwe unobhadhara mitero panguva yaunotora kubvisa, uye pfuma inofungidzirwa kuti yakabviswa pakutanga. Kana iwe ukabvisa mari isati yasvika makore 59 1/2 kana 10% yekutanga kutora mutero wekodhi inogona kushanda pane chero chikamu chinotorwa chinonzi chinonzi kuwanikwa kwekutsvaga mari.
Vashandi vematareji epamusoro emitero yakareba yakareba kwenguva refu (makore makumi maviri kana kupfuura) vanogona kubatsirwa nekuregererwa kwemitero, kunyanya kana vakashandisa shanduko yakasiyana-siyana kuti vawane zvikwereti zvisingabhadhari zvekuwana izvo zvinowanzoita mari inotora mari inowanikwa gore negore.
Makumi emakore ekusimbiswa kwemitero pamari yekutsvaga iyo inowedzera mukati mekusiyana kwe annuity inogona kuve yakananga kune avo vari mubhakta refu dzepamusoro ikozvino, kunyanya kana vakatarisira kuti vachave mubhaketi shoma shoma mushure mekurega basa.
Vakawanda, kunyange zvakadaro, havangabatsiri kubva pamitero yekuregererwa kwemitero ye variable annuity nokuti pakupedzisira mari inowanikwa mu annuity haizobvumirwi kubhadhara pamutero unobatsirika kuwana mutero.
Makomborero eZvipo Zvekutenga
Mazhinji emakambani einishuwarenzi anopa mamwe mahomwe yveshuwarenzi iwe unogona kutenga, zvakadai sevakasangana nevarwi vanofa, izvo zvinogona kupa zvibereko kune vagari venhaka, uye vapfumi vanobatsirwa , izvo zvinogona kupa mvumo yekukwanisa kuwana mari yakawanda kubva pamutemo panguva inotevera. Zvizhinji zvekushandurwa kwemagetsi zvinopawo chirongwa chinoshandiswa pakurasikirwa kwekutora mari yekuchengetedza kwenguva refu. Ava vatasvi vanowanzova nemari yakabatanidzwa - saka uri kubhadhara kuwedzera pane zvaunoda kune contract yako annuity.
Imwe Nyaya Yakasiyana-siyana Yakarurama Kwauri Here?
Kuisa mari kunofanira kutengwa sechikamu cherongwa.
Kana iwe unonzwisisa kuti chinangwa chegore rakadini chiri mukati meurongwa hwako, saka zvingangodaro kutenga kuchenjera. Kana iwe uchinzwa sokuti iwe uri kukwidziridzwa kuti utenge mumwe, uye munhu anokutengesa kwauri haana kuita chirongwa chakakwana, chenjerera.