Ndizvo Zvakanakisisa Zvokuda Kwokuita Basa
Kana iwe wakafanana nevaAmerica vazhinji, wakanzwa nezve 401 (k) asi IUL? Kwete zvikuru. Tisati tatarisa IUL vs. 401 (k) ngatitsanangurire IUL.
Chii IUL?
Inishuwarenzi yehupenyu yeIUL, kana kuti yakakosheswa , inoratidziro yehupenyu hwese inshuwarisi yehupenyu. Nheyo dzepasi rose dzine mari yemishandirapamwe uye inobatsira kufa, kuchengetedza, uye premium inogona kuchinjwa kuburikidza nekambani yesangano. Dzidza zvakawanda nezveinishuwarenzi yehupenyu hwehupenyu pano .
Chimwe chezvikamu zvakakosha zvehuwandu hwehuwandu hwehupenyu hwehupenyu ndiyo chikamu chemari. Funga nezvechikamu chemari senzira yekuti chirongwa chiite sechibereko chemari yekutsvaga. Kambani yeInishuwarenzi inoisa iyo kushanda nekuiisa kune imwe nhamba mumusika wekutengesa. Chero iwe unosarudza kubva pane menyu yezvinyorwa kana inshuwarisi inoita sarudzo. Ngatitii wakasarudza S & P 500 .
Kana S & P 500 inokwira kune imwe muzana, kukosha kwemari yepurogiramu yako inokwira kune imwe nzvimbo-kunyange isiri iyo yakaenzana. IUL inowanzova nehomwe pamucheto wekutsvaga. Kana S & P 500 ine gore rakadai sa 2017 apo raive rakapfuura makumi maviri kubva muzana, zvichienderana nemitemo yemutemo, IUL ingangodaro yakadzorera chegumi chegumi chete zvegore. Zvimwe zvezviputi izvi zvikamu. Kana ivo S & P vari makumi maviri kubva muzana, iwe uchawana 10 muzana.
Kana iwe uchingopinda mukati mazvinyorwa zvakanaka iwe unogonawo kuona mamwe mutsara, "chinyorera kuhuno." Panzvimbo pokutarisa kurongwa kwekutsvaga zuva rega rega, kambani ye inshuwarisi ichaona kushanda pane dzimwe nguva.
Kana iri nheyo yegore negore kuti inyore, hazvina basa kuti index yacho yakaita sei mugore rose nokuti kambani yeinishuwarenzi ichatarisa kuongororwa kwekutsvaga musi waDecember 31 kana rimwe zuva rakatemwa. Izvi zvinogona kushanda mumutevedzeri wemubvumirano kana kwete, zvichienderana nemusika.
Uyezve, chikamu chekuwana kweS & P 500 kunosanganisira chikamu .
Muna 2017, chikamu chacho chaive chikamu chinenge chikamu chimwe chete kubva muzana zvepfuma. IULs haisiwanzobhadhara chikamu chikamu chekuwana.
Kune rumwe rutivi, kana S & P ine gore rakadai sa2008 apo raive pasi pe37 muzana, IUL vashandi havana kurasikirwa nehope huru nokuti chikamu chemari chepurogiramu yavo yakanga isina pasi zvachose-kana nemamwe mapurogiramu, pfuma duku. Iwe haugoni kuwana zvose zvakasvibiswa neIUL asi iwe unodzivirirwa kubva pakaderera. Ndokusaka iyo inishuwarenzi.
Chii chinonzi 401 (k)?
A 401 (k) inowana zita rayo kubva pamutero wemitero iyo yakabatanidzwa. Vanhu vazhinji vanokodzera 401 (k) nokuti vanoshandira kambani inopa imwe. Chimwe chikamu chebhadharo chavo chinopinda ma 401 (k) pamwe chete nekambani yekambani, kana ichipiwa. Mushandi anokwanisa kusarudza kuti mari yacho inotengeswa sei kubva pane zvinyorwa zvishomanana zvekutsvaga mari. Kune mhando dzakasiyana dze 401 (k) s-a Roth 401 (k) apo mitero inobhadharwa mberi kana tsika yekodzero 401 (k) apo mari inotengeswa pamutambo wekutanga kutere uye mutero gare gare muupenyu apo mari yakabviswa .
IU vs. 401 (k)
Usati waita chisarudzo pane imwe, ita zvakawanda kuverenga pamusoro pekushanda kwega ega asi pano pane zvimwe zvakasiyana-siyana pakati peIUL ne 401 (k):
IULs inshuwarisi-401 (k) s inotengeswa kwezvinhu. Inishuwarenzi yakagadzirirwa kupa chidziviriro apo mari yekutsvaga iine chinangwa chokukura mumatare ako akakosha.
Inishuwarenzi mitemo nemari yekutsinhanisa inofanira kushandiswa pamwechete asi vamwe vadzidzisi vezvemari vanopa mazano ekuzvichengeta zvakasiyana. IUL inopa zvose inshuwarisi nekuwanikwa kwekutsvaga kwekutsvaga asi 401 (k) inogona kugovera kuwanikwa kwekutsvaga kwekutsvaga pamutengo wakaderera. Hapana chekubhadhara mari pane 401 (k) asi hapana zvakare kudzivirira kubva kurasikirwa.
Zvinonetsa Kuzvinzwisisa: Zvose zvinowanikwa mune zvemari zvakaoma kunzwisisa pane imwe nzvimbo, asi inishuwarenzi inowanzova nemasarudzo akawanda uye mapeji ezvinyorwa zvakadhindwa izvo vashandi vari pakunzwira tsitsi kwemujeri wavo we inshuwarisi. 401 (k) s, pachinenge ichioma, inonyatsojeka mberi uye iri nyore kunzwisisa.
Mutero: Mari inoshandiswa yeIULs inogona kuwanikwa chero nguva nokuti yakatoreswa. Vamwe 401 (k) s vakasiyana-munofanirwa kuva 59 ½ musati matora, iwe unotora kutora kugoverwa kwemwedzi kune imwe nguva, nezvimwe.
Kana uine Roth 401 (k), mitemo yako yakasununguka asi nekuda kwekuti IRS iri kukupa mitero yemitero, unofanira kutevera mitemo yavo.
Kugadziriswa Kwemaimba: 401 (k) s inotarisirwa kuongorora. Ndiine IUL, vanobatsirwa vanowana rubatsiro rwekufa.
Mutambo Wemabasa: 401 (k) s anowanzova nemashandisirwo emabasa-II hazviiti.
Kumbira rubatsiro
401 (k) s kuwana mari yakawanda yevashandi kupfuura IUL kuitira kuti uve nekunzwisisa zviri nani kuti 401 (k) inoshanda sei. IULs yakaoma zvikuru uye inouya nemikana yakawanda yekusarudza. Tsvaga unyanzvi we inshuwarisi uyo anogona kukubatsira kuti uongorore zvaunogona kusarudza kunze kwekuve neganda mumutambo.