Tenga annuities yezvivimbiso zvavo, kwete kwete sekutsvaga.
Iwe unogona kutengesa zvinyorwa zvekuchengetedza, kukura kwenguva refu, kana kuti zvekuwana mari. Semuenzaniso, gore rakasarudzwa rinogona kuita sarudzo yakanaka kune CD, variable annuity inogona kutengwa kwenguva yakareba, mutero wakatarwa kukura , uye inowanikwa pakarepo inotengwa kuti iwane mari. Mune imwe neimwe yezviitiko izvi, kambani ye inshuwarisi iyo inotaura nezve annuity iri kuisa imwe chikamu chechigumisiro.
Mune zviitiko zvakawanda, vari kuisa mari yekuwana mari yaunogona kutora kubva ku annuity munguva yemberi.
Nzira chaiyo yechokwadi yekuziva kana gore rekuita mari yakanaka kune iwe ndeyo kuva neurongwa. Urongwa hwako hunofanirwa kuudza izvo zvinangwa zvako zvekutsvaga uye zvinokuratidza maitiro ekuita sarudzo dzinobatsira kuti uite zvinangwa izvozvo. Kana iwe uchida kuisa chikamu chechigumisiro, annuity inogona kuva sarudzo yakanaka.
Apo Kuwedzera Kwemari Ndiko Kwakanaka Kudyara
Chokutanga uye chakakosha kusvitsa mutengo we inshuwarisi, zvinoreva kuti iwe unotenga kuderedza dambudziko. Dzimwe annuities, seyakasiyana-siyana annuities, ine sarudzo yezvikwata uye zvisungo zvisungo zvinowanikwa sarudzo dzekutsvaga mukati meinishuwarenzi yeinishuwarenzi; zvimwe annuities ndezvechokwadi yveshuwarenzi pasina ruzivo rwekutsvaga pane zvose.
Tichifunga izvi, pane chinhu chimwe chete chakaita zvakanaka chaizvo, iyo inopa ruzho rwokurwisana nehupenyu hwehupenyu hwehutano (pangozi yekurarama kwenguva yakareba kupfuura iwe waifunga kuti iwe ungadai), uye kana uri kutenga iyo nokuda kwechikonzero ichocho, gore rinogona kuve mari yakanaka.
An annuity ingave iyo yakasarudzwa kusarudzwa kwekutsvaga iwe kana iwe uchiziva zvinangwa zvako zvekurega basa , unogona kuona kuti annuity inokubatsira sei kuzadzisa zvinangwa izvozvo uye kana iwe unonzwisisa mari yose uye zvigadziriswa zvekugadzirisa kwemari yaunofunga. Iwe unofanirwa kunzwisisa kuti mari yezvemari inobhadharwa sei kana mari inogona kutanga, ndeipi nzira yekutsvaga inowanika, uye kuti sei annuity inopedza mamwe mazvikwereti unawo.
Apo Annuity Haisi Izvo Zvakanaka Kudyara
Kana mumwe munhu ari kuedza kukutengesa gore rega pasina kutarisa yako yose yemari yemifananidzo, chenjerera. Vanhu vazhinji vanotengesa annuities vanoreva zvakanaka, asi vangave vasina kunzwisisa zvakakwana zvemidziyo yavanenge vachitengesa, kazhinji havanzwisisi zvakanaka pamutero unoshandiswa, uye kana vasina kuita chero kuronga iwe, vanogona ' t ona kuti chigadzirwa ichocho chizokwanisa sei kupera mufananidzo wako.
Kunyanya, ndakanzwa kutengesa vanhu vachiti "Ndezvipi zvinotarisirwa kuita kana zvichiita zvaunoda?" Handibvumirani neizvi. Mari yepamusoro inoderedza kudzoka kwako. Mari yepamusoro mune zvimwe zvinodhaka zvinokonzerwa ne annuity zvinoreva kuti mune chimwe chinhu kunze kwemakwenzi akakurumbira, mari yako yekusvitsa ichawana mari shoma.
Usatenga gore risati raita kunze kwekunge iwe wakagadzira chirongwa uye unonzwisisa kuti gore rinowanikwa sei. Annuities haasi kuenda, saka haufaniri kuva nemanikidziro kana pfungwa yekukurumidzira kutenga kusvikira wapedza basa rako rechikoro. Vamwe vamiririri vekutengesa vachakutaurira kuti chigadzirwa chegore negore chinongowanikwa kwenguva pfupi. Inowanzoitika, sezvo makambani einishuwarenzi acharambidza michina nguva nenguva, asi kwete kuti ashushike, chinhu chakafanana nemamwe maitiro achazoitika nokukurumidza munzvimbo yekare.
Zvipikirwa Zvose Hazvisi Zvake
Kune marudzi akawanda akasiyana e annuities , uye umwe neumwe ane zvigaro uye zvinotyisa. Kana ukangonzwisisa zvikamu zvakasiyana zvezvikwereti, iwe uchaziva mibvunzo ipi yaunofanira kubvunza pamusoro pegore rinenge raunenge uchifunga.
Enzanisa nhaurirano-akatengeswa annuities kusvika pasheji annuities usati watenga. Mutengesi-akatengeswa annuities anotengeswa nemumwe munhu anotakura bhandi re inshuwarisi uye zvinogona kuve neisensi yekutengesa zvakare. Iwe hautengi mutoro we-mutoro wakananga, uye vane mari shoma, asi iwe unofanira kuita basa rako rechikoro uye kutsvakurudza; iyo ndiyo inobhadharwa kubhadhara mari shoma. Vamwe vanopa mazano ekubhadhara mari chete ndivo vachakubatsirawo kusarudza yakakodzera pasina-load annuity kana ichienderana neurongwa hwako.
Ita basa rako rechikoro uye uverenge pane dzimwe nzira dzekuita annuities usati waita chisarudzo chokupedzisira. Iwe unodawo kunzwa wakasununguka uchibvunza nezve annuity mari.
Mutungamiri wega wega anonyadzisa kana kambani inofanira kutsanangurira mari yose iwe usati watenga. Kana mumwe munhu asingadi kutora nguva yekutsanangurira mari muzvibereko zvavo kana kukutsanangurira kuti vanobhadharwa sei kubva kutengesa kwechigadzirwa ichocho, saka usatenga kubva kwavari.
Pasi rezasi: An annuity inogona kunge iri mari yakanaka kana iri chikamu cherongwa hwakanaka hwekubvisa mari yekubvisa mari uye iwe unonzwisisa kuti chii chaunokuitira uye kuti sei uchichitenga.