Vanotasva vatasvi vemabhiza vanogona kukwira mari kuitira kuti vadzivise zvinhu zvausingadi
Living Benefits
Hupenyu huripo mutasvi anokwira hupi hupi hupi hwehutano hwakafanana nehuwandu hwemari yaunogona kubvisa iwe uchiri mupenyu.
Uyu mutasvi wechirongwa wakakonzerwa kukupa iwe nekuchengetedzwa kwemambure. Iyo inzira yekuvimbisa kuti mari yako yekubvisa mari icharamba iripo apo iwe uchida iyo.
Asi semhando ipi neipi ye inshuwarisi, kubatsirwa uku kunouya nemutengo-kazhinji mumakiromita makumi maviri nemakumi maviri kusvika ku1 kubva pagore. Zvimwe mari uye mari inoshandiswa mukati megore rinogona kushanda zvakare.
Izvo zvinyorwa zvingashandisa zvinoda kuti iwe ushandise mitemo yako, izvo zvinoreva kuti iwe unozoita kuti ive nguva yakakwana yekugona kushandisa zvinhu izvi. Kana iwe unogona kudiwa kuti uite purogiramu yehuwandu hwemazana emakore, akadai se10, mutasvi anogona kushandiswa.
The Foundome Base
Mitemo yakawanda inotsigira kuti chimwe chinhu chinonzi "rubatsiro rwekubhadhara" kana "chikwata chekuwana mari" chichakura pamutengo wakatarwa wekudzoka. Iwe unogona kutora 4 kana 5 kubva muzana yezvikamu zvekuwana mari pane imwe nguva yakatarwa, uye iyo yekuregererwa mari inogadziriswa hupenyu kunyange kana zvikwereti zvisingaiti zvakanaka.
Vanotenga zvekare vanowanzokanganisa izvi zvigaro zvekubhadhara kwekukosha kwebhuku ravo, asi chikamu chekuwana mari chaicho chiri chekupinda kwekuverengera-iyo inongova nhoroondo yepantom. Inongoshandiswa kuverenga mvumo yako yakabvumirwa yekudzorera.
Nhoroondo yako chaiyo yekutengeserana ndiyo yaunowana kana iwe uine mari mumutemo. Kana zvikwereti zvikaita zvakanaka, mari yako chaiyo yepamusoro inogona kunge iri yakakwirira kudarika chikamu chako chemari.
Kana zvikwereti zvisati zvaita zvakanaka, mari yako chaiyo yekodha ingangove yakaderera kudarika bhadharo yemari. Mari yakagadziriswa kubva kubindu rekuwana inogona kuratidza kuva chinhu chinokosha munguva yakareba yekutengeswa kwemakero mashoma nekuti inovimbisa chikamu chekubvisa mari yako.
Kunzwisisa Mitemo
Kurarama zvikwereti kunogona kupa mvumo yekubhadhara mari, asi iwe unofanira kuve nechokwadi kuti unonzwisisa zvidimbu zvaunofanira kusangana usati washandisa kushandisa zvigwaro. Bvunza mibvunzo iyi pamusoro pekushanduka kwenyu annuity musati musarudza mutasvi.
- Unotora nguva yakareba sei kuva nemutemo?
- Chii chinodhura?
- Ko mutasvi anogona kukwaniswa uye mari yacho inogumisa kana iwe usingachadi?
- Unofanirwa kuvhara chibvumirano chekushandisa chibatsiro here?
Usatenga mutemo nemararamiro ehupenyu kunze kwekuti uye kusvikira iwe unonzwisisa kuti kubatsirwa kunoshanda sei uye paunogona kuishandisa.
Kuvandudza Rufu Runobatsira
Izvo zvakanyanya rufu ruzivo runopiwa ne variable annuity ndechivimbo chokuti mushure mekufa kwako, kambani ye inshuwarisi ichabhadhara mubhadhari wako zvishoma nemari yaunenge waisa. Asi izvozvo hazvirevi sezvizhinji zvekubatsira, uye ndizvo zvakaita akawanda annuities anopa imwe mhando ye "kukurudzirwa" rufu inobatsirawo zvakare.
Kuwedzerwa kubatsirwa kwekufa kunouya nenzira yekufirwa mubhadharo iyo inowedzera mwedzi kana yegore "gore-rega." Kana mutemo wacho uine danho rega roga roga, kambani ye inshuwarisi inotora chinyorwa chekukosha kwebhuku yako mwedzi mumwe nomumwe. kunyorwa kworuzhinji kunowanikwa mubhadharo wekufa kana iwe uchifa, kunyange kana kukosha kwekutsvaga ikozvino kuduku.
Izvi rufu dzinobatsira vatasvi vemari dzinodhura zvinopfuura zvinotangira rufu kubatsirwa pacharo. Mutasvi werufu wekufa uyo ane gadziriro yepamwedzi-up angakurega iwe kubva kupi .25 kusvika ku50 muzana yehuwandu hwebhuku pagore. Mari inokwana makumi mashanu kubva pagore pagore inogona kuwedzera zvakanyanya munguva.
Rufu vanobatsirana nevatasvi varo vanopa mwedzi wega wega kana gore negore-nhanho dzinogona kupa nzira yekuti iwe uvhare mumatengo ekutengeswa kupfuurira kune vanogara nhaka yako.
Kana iwe usingakwanisi kukodzera inshurensi yehupenyu uye iwe haufaniri kushandisa mari iwe pachako munguva yehupenyu hwako, izvi zvinogona kuva nzira yakanakisisa yekupa imwezve rubatsiro kune vanobatsirwa. Iyo pfuma haigone kupfuurirwa pamwe chete semutero zvinobudirira semamwe nzira, zvisinei.
Izwi reyevero
Kana uine zvakawanda zvevatasvi vayo vakawanda pane annuity yako yakasiyana, iyo mari inogona kuwedzera kusvika ku3,5 kubva kune 4 muzana pagore. Mari dzepamusoro dzinoita kuti zvive zvisingabviri kuti zvikwereti zviite zvakanaka zvakakwana kuti uwane mari uye uwedzere, saka chenjerera nezvekuwedzera zvinhu zvausingadi chaizvo.