Zvikwereti zveIndonesia zvakanyatsogadzirirwa uye zvakatangwa muna 1995 kukwikwidzana neCDs inodzoka, kwete mari yekutengesa. Fixed Index Annuities (FIAs) inonzi Equity Indexed Annuities kana kuti Indexed Annuities. Zvakakosha kuva netarisiro yekudzoka kwechokwadi neFIA uye kwete kuwira kune vese vashandi vekutengesa pitch ye "mutengesi mushure musina mhirizhonga." Chikamu choga chetambo ichocho chechokwadi ndeche "kwete pasi".
Annuity fixed indexed is not right and wrongly referred to as "hybrids" as part of the often-hyped sales pitch. Kunoita kuti inzwike sezvavari kunyanya kudarika, asi muchokwadi ivo havaiti.
Nzvimbo yakawanda yekuvhara muzviwanikwa (kana iripo) pamusangano wechibvumirano chezuva, uye izvo zvinobudirira zvinogadziriswa nemakumbo uye zvinopararira nemararamiro evarudzo. Dzimwe annuities dzakarongedzwa dzine nguva yakasarudzwa nguva (2 makore), uye inopa mazita ezvimwe sarudzo kunze kweS & P 500 . Zvakakosha kuratidza kuti nhepfenyuro ye index inosanganisira zvikamu zveS & P 500.
FIA dzinovhara mune chero upi zvake hunobudirira gore negore pamusi wechibvumirano chegore rino.
Index ongasarudza neFIAs inotanga kuverenga kuwedzera kwekunyora apo mutemo wacho wakabudiswa, uye pane dzakawanda mazita ekutsanangurwa kusarudzo mukati meFIA nemazita akadai se "gore negore kusvika kune imwe", "gore rega rega", uye "mwedzi wemwedzi" uye dzimwe nzira dzakawanda dzinosanganisira a fixed fixed credited for the year.
Iwe unogona kusanganisa uye kuenzanisa zvose zvekusarudza kusarudzwa zvakapiwa (zvose zveFIA zvakasiyana) nepakati yemari inopiwa inofanira kuenzana ne100%. Somuenzaniso, iwe unogona kuva ne30 muzana yakatarwa, 35% mugore roga roga roga, uye 35% mumutengo wegore negore. Iwe une mukana wekushandura izvi sarudzo gore negore, uye nhamba yezveruzhinji inodzoserwa zvakare pamusangano wechirangaridzo chezuva racho zvakare.
FIAs inogona kukwikwidzana neSitifiketi cheDosositi.
Fixed Index Annuities (FIAs) yakagadzirirwa kukwikwidzana neCD, uye inoshanda zvakanaka apo izvo zvinotarisirwa kudzoka zvinonzwisiswa uye zvakagoverwa zvakanaka mukati mehupfumiropu. FIA inoshandisa nzira dzakanakisisa dzokugadzirisa mashandisirwo ekushandisa mari yemberi yekuwana mari inobatsira pavanosangana nevatasvi vemabhiza.
FIAs inogona kuenzaniswa ne MYGAs uye haina mari yegore negore isina vatasvi vayo.
Vanopa mano ekugadzirisa zvachose in index chinyorwa zvinowanikwa kune gore negore, uye iwe unogonawo kuchinja sarudzo dzako sarudzo pamwe chete pamusangano wekugadzirira. Indexed annuities inogona kutengwa nekfupi seyaka makumi mana ekupa mimwe mitengo, uye kutakura mari yegore negore kana pasina vatasvi varo vanobatanidzwa. Chigadzirwa chacho chinogona kupa mazano akasiyana-siyana ekusimudzira zvakare. Nzira yekuenzanisa iyo inonzi Mixed Fixed Ladder inoshandisa ma MYGAs neFIA mumutambo.
Fixed Indexed Annuities dzinobatsira kune vamwe, asi dzinotengeswa sekuti vanamwari kune vose, izvo zvisiri izvo.
Fixed Index Annuities (FIAs) ndiyo yakawanda kupfuura hyped, pamusoro pechipikirwa, uye zvakatengeswa zvigadzirwa munyika ye annuities. Kunyangwe kushandiswa kusina kukodzera kweshoko rokuti "hybrid", kushandiswa kwemashoko asingabvumirwi kushambadzira nemavhidhiyo paIndaneti, kana kuti nzvimbo yakashata yekudya yekudya kwekukudya, nyika yekutengesera ye annyity annuities ndiyo yezvokwadi yemusango, yemhuka, yemadokero.
Vazhinji vamiririri vane ruzivo rwakawanda rwekubhadhara zvemari vakaramba vachienderera mberi kune nyaya yeFIA neyopamusoro yezvigadzirwa zvemagetsi.
Zvinotora inyanzvi pamusoro pevhiki kuti iwane chiremba kutengesa Fixed Index Annuities (FIAs), nokuti inotsanangurwa sehupenyu hwehushandi yemishandiro uye kwete chekuchengeteka. Zvakakosha kuchengeta mupfungwa mupfungwa chaiyo izvo vashandi vanofanirwa kutengesa . Icho ruzivo runogona kubatsira kuchengetedza maonero ako pamusoro pezvinoitika zvezvigadzirwa pane kuwira kune zvakasvibiswa matengesi emitengo. Imwe indexed annuity yebhizimisi yekutengesa inoenda zvakanaka zvikuru isina kutongororwa nemitemo iriko isingasimbiswi nematunhu anotarisira chigadzirwa. Chinhu chipi zvacho chinogona kutaurwa uye chakavimbiswa kuti chizadziswe kutengeswa, uye kazhinji ichi ndicho chiitiko.
Ichokwadi ndechokuti Fixed Indexed Annuities inobatsira, asi chete nekutarisira kunonzwisisika pane kudzoka. Idzi haisi mishonga inopa zvikwereti zvinoshamisa zvemisika!
Iko inowanikwa Fixed Indexed Annuity sales pitch ndeye "mutengesi wakatarisana pasina pasi", izvo zvishoma zvacho zvechokwadi.
Hungu, kune hupenyu hwakakwana hwekudzivirirwa pasina rutivi rwekunze, asi iyo inodzoka haisati igovera misika chaiyo yepamusoro. FIA dzakagara dzichipa kudzoka kwakadaro kumaCD, asi iyo inodzoka haisimbiswi. Indexed annuities ine nzvimbo pane dzimwe nzvimbo, asi haisi "yakanaka kwazvo kuti ive yechokwadi" kana "chiyero chimwe chinokwana zvose" sechinosimudzirwa.