Imwe Annuity Yakagadzikana Inoita Chikoro Chakanaka Chekuita Mari?

Zvinyorwa uye Mitemo yeKushandisa Mutengo Wakagadzikana Wokuchengetedza Chikoro

Kune vabereki vazhinji, nhoroondo yekoroji yemwana ndiyo nzvimbo yekupedzisira yavanoda kutora ngozi huru mumusika wekutengesa. Izvi zvinopedzisira zvichinyanya kutaurwa kana pane makore mashomanana akasara kusvikira mari inoda kuiswa pamapupa. Chinhu chokupedzisira munhu wose angada kuudza mwana wavo, ndechekuti havakwanise kuenda kuchikoro chezviroto zvavo nokuti amai kana baba vakanonga mari dzisina kunaka!

Izvi zvinosiya vabereki vakawanda vachirwira kukwikwidzana kwekukwikwidzana pazvikwereti zvakasarudzwa zvekuwana mari zvakadai seCD, zvisungo, uye mari yemakakiti mazana mumakore ekupedzisira pamberi pekoroji. Saka zvakasununguka, apo mumwe munhu ari mu-cocktail fungu anotanga kutaura pamusoro pechido chakanakidza chaanotarisa ivo vari kuwana pamutambo wakatarisa mutero wakatarwa, nzeve dzinofanira kukanganisa.

Asi chokwadi ndechekuti, gore rakasimbiswa nemitemo yayo yose haisi yakanaka kune munhu wose. Usati wawana mari muAcidenti yako yeChishanu 529 uye utenge gore rakagadziriswa, heino zvimwe zvinhu zvinokosha zvaunofanira kufunga:

Mitero uye IRS Zvitadzo pa Fixed Annuity:

Kana iwe uri pasi pezera remakore 59 1/2 apo iwe uchibvisa mari kubva kune yakagadziriswa annuity, zvose zvinowanikwa zvinozobhadharwa semari inowanikwa mari uye inoteerera kune imwe yero 10% chirango. Kana iwe uine makore makumi maviri nematatu kusvika ku2, ipapo hapana 10% yekutanga kutora chirango, asi mari inowirirana pasi pemutero unowanikwa mutero.

Izvi zvinoreva kuti, mumamiriro ezvinhu akaipisisa, makumi mana kubva muzana emari yako ichadzoka kuna Uncle Sam.

Izvozvo zvinogona zvechokwadi kuita kuti zvikwereti zvepamusoro zvehuwandu kune annuities zvakasarisa zvinotarisa zvakawanda zvisingakoshi.

Fixed Annuity Kuendesa Mhosva:

Chinenge chiripo gore rimwe nerimwe rakasarudzwa pamusika rine mari yekuzvipira iyo inoshandiswa kune chero zvipi zvayo zvinotorwa kusati kwapera kuguma kwebvumirano. Uku kuzvipira kunowanzotanga zvakapoteredza 5% uye kunoderedza gore rimwe nerimwe segore rakasimbiswa makore. Zvakare, kuparadzira kuti kupa mvumo pamusoro pemakore mashomanana 'kuwanikwa kunogona kuita kuti nheyo yakawanda ye annuity yakatarwa isanyanya kunyengerwa.

Fixed Annuity Safety:

Nepo gore rakasarudzwa rinoshandiswa kutakura imwe aura yekuchengeteka, izvo zvese zvakanyangarika munguva dzezvino, nekuda kwekambani dzemakambani einishuwarenzi achienda kubhadhara kana kubviswa nehurumende. Pakupedzisira, gore rakasimbiswa rakanaka chete sekambani yeinishuwarensi inoitaura. Kana iyo kambani ye inshuwarisi inopinda pasi, gore rako rakasarudzwa rinogona kufamba zvakanaka naro.

Ko Mubereki Anofanira Kushandisa Annuity Yakagadzikana Here?

Kunyange zvazvo gore rakasarudzwa risingaiti kuti rive sarudzo yakasimba yevabereki vazhinji, kune chikamu chemazana chevanhu vanogona kuipa kuonekwa kwechipiri. Iboka iro raizobatanidza vabereki kana vanasekuru navanambuya avo vachange vava nemakore makumi matanhatu nematatu ne2 kana nguva iyo mwana wavo ari kureji uye avo vanotarisira kuva mubhasikiti shoma shoma munguva yekoroji. Munyaya iyi, mushure mekubhadhara mitero kune gore rakagadziriswa rinogona kupfura zvishoma (asi zvingave zvisingabhadhari mari) pane zvakasarudzwa zvekuwana mari inowanika munyaya yeChishanu 529 kana Coverdell ESA .