Nguva dzakawanda, ini ndinoudzwa shanduro ye "Ini handidi annuities nokuti kana ndikafa, iyo inotora annuity kambani inochengeta mari." Izvi zvakanaka, asi zvisingazivikanwi annuity vanovenga zvinoreva "Life Only" Single Premium Immediate Annuity (SPIA).
Hungu, hupenyu huno huri huripo huripo ne SPIA, asi kune dzimwe nzira dzakawanda dzekugadzirisa zvikwereti zvakavimbiswa kuti uone kuti kune chivimbo chekudzorera zvakakwana premium panzvimbo, kana pane chimwe chinhu chichiitika nguva isati yasvika.
Ita chingwa chako (Hupenyu) uye udye (Nguva yeChirungu) zvakare
Ndinoda nyika yedu. Isu hatigadziri chero chinhu. Tinokumbira mibvunzo yakadai se "Sei tisingakwanisi kuva nayo?" Kana kuti "Sei usingagoni kuchinja iyo?" Kana "Sei ndisingakwanisi kuva nayo nenzira yandinoda?" Izvi zvakaitika apo vanhu vakatanga kutarisa kuedza kuitira kuti tive nemafungiro eUkutanga Kuwedzerwa Annuities Pakarepo (SPIAs). Vanhu vaida mari yekuwana mari yehupenyu uye vaida kuve nechokwadi kuti pane nguva chaiyo iyo mari inowana mari ichabhadhara kana iyo inenge ichiripo ichiri mupenyu kana kwete. Munyika yeSSPIA, izvi zvinonzi "Upenyu ne Period Vamwe."
"Upenyu" achiri kutarisa
Zvakakosha kuve nechokwadi chokuti chikamu chinonyanya kukosha che "Upenyu neChirungu Chechimwe" Sangano reSPIA ndiro "Upenyu" chikamu.
Pasinei nePeriod Chimwe chivimbiso chakaiswa, "Upenyu" zvinoreva kuti kubudiswa kwegore rinotakura kune chikwata chekubhadhara pasinei nekupera kwehupenyu hupi. Iyo inopedzisira iri munhu, kana vanhu, avo vanotarisira mararamiro ekubhadharwa kwemari kunobva pane.
Ngatitarisei mumienzaniso mishomanana yekugadzirisa SPIA "Upenyu Negore Pamwe":
Life & 5 Year Some
Iyi sangano reSSPIA rinotsigira kubhadharwa kweupenyu, pasinei nekugara kwenguva yakareba sei. Zvese gore rimwe chikamu chechibvumirano chinoreva kuti kuchave nekusvika makore mashanu okubhadhara. Somuenzaniso, kana wakafa mugore rechipiri, panozova nemakore matatu ekubhadhara kune wese wawakaronga semubatsiri wemutemo. Kana iwe ukararama makore matanhatu uye ukazofa, pakanga pasina mari yakasara kune avo vanobvumirwa nemutemo.
Upenyu & 10 Gore Rimwe
Iyi sangano reSSPIA rinotsigira kubhadharwa kweupenyu, pasinei nekugara kwenguva yakareba sei. Gore rechigumi chikamu chechibvumirano chinovimbisa kuti pachava nemakore gumi ekubhadhara. Kana iwe wakafa mugore rechina, paizove nemamwe makore matanhatu ekubhadhara zvibvumirano kune vanoverengerwa vakanyorwa pamutemo. Kana iwe ukararama makore gumi nemana, uye ukazofa, pakanga pasina mari yakagoverwa kune avo vanobvumirwa nemutemo.
Upenyu & 30 Gore Rimwe
Iyi sangano reSSPIA rinotsigira kubhadharwa kweupenyu, pasinei nekugara kwenguva yakareba sei. Gore rechinomwe chikamu chechirevo chinopindirana chinovimbisa kuti kuchava nemakore makumi matatu ekubhadhara. Kana iwe wakafa mugore re13, panove nemakore gumi nemamwe ekubhadhara ayo achaenda kune avo vakanyorwa vakanyora nezvematongerwo enyika.
Kana iwe ukararama makore makumi matatu nemakumi matatu uye ipapo nhamo yakafa, pakanga pasina mari kune avo vanobatsirwa.
Vakaroora Matter!
Kana iwe usingatendi mazwi iwayo, vabvunze! Single Premium Immediate Annuities (SPIAs) inokubvumira kugadzira hurongwa hwe "Upenyu Hwakagadzikana" kuitira hupenyu huviri.
Zvakakoshawo kuziva kuti nguva yakareba kwenguva yakati, iyo inoderedza chikamu chemari yekubhadhara. A "Upenyu Hwegore Hwegore Humwe" huchava nechikwereti chepamusoro chekutengesa kupfuura "Upenyu neHumeni Hwemakore makumi matatu".
Saka iwe unogona kuva nekiki yako (Hupenyu) uye udye (Nguva Yedzimwewo) zvakare neNye Premium Annuity Immediate. Fadzwa nechirongwa chekuwana mari!
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