A fixed annuity is contract nekambani ye inshuwarisi. Kambani yeInishuwarenzi inosimbisa mukana wekufarira waunowana pamari yakachengetwa mukambani ye annuity. Pasi apa nheyo dzepamusoro, uye mutungamiri wekushandiswa kwegore uye kushandiswa kwakadini kunogona kupinda muurongwa hwako.
Fixed Annuity Basics
Gore rakasimbiswa rinonyanya kuenzaniswa nechikwereti chedhipatimendi (CD) chakabudiswa nebhangi, kunze kwegore rakagadziriswa, chikwereti chaunowana chinowedzera mukati me annuity uye hachikwanisi kubhadhara kusvikira iwe uchibvisa kubva pagore.
NeCD iyo bhangi inokutumira fomu 1099 yemutero gore roga roga iyo inoshuma muwandu wezvawakawana, uye iwe unofanira kutaurira chido ichi pamutero wako wemutero kunyange iwe uchiita kuti iwedzere muCD.
Kungofanana neCD, gore rakasimbiswa rinopa kubhadharwa kwakadzoka. Dzimwe nguva kudzoka kuri mberi-kutakurwa, saka kune imwe yenhamba yepamusoro inowanikwa mugore rimwechete, asi muzinga wakaderera mumakore maviri kusvika gumi. Kufanana neCD, pane izwi rinopiwa, zvakadai semakore mashanu akashandiswa annuity.
Zvimwe zvakagadziridzwa goreuity zvine mazwi kana makore gumi namashanu, uye kana iwe ukapa mari yegore risati rasvika nguva yacho iwe uchabhadhara kuzvipira . Usabatwa mumakore ekutanga mashizha. Iwe unoda kuverenga chibage kana chakachengeterwa nguva yakazara yesangano re annuity kuti uenzanise zvakajeka chimwe chinhu kune imwe.
Zvakanakisisa zvekuti: Kana uine nguva yakareba uye uchinge usingaiti mari yekutsvaga, unogona kutsvaga mari yakagadzirirwa pamusoro peCD kuti ureve mitero, uye zvichida uwane chikwata chapamusoro chekuda kune izvo mabhengi ari kubhadhara.
Izvi zvingava sarudzo yakanaka yemari yaunowana kana bhonasi yaunogamuchira. Kune miviri miviri mikuru ye annuities yakasimbiswa; rakasununguka uye pakarepo.
Yakasarudzwa
Negore rakasarudzwa rakagadziriswa (rinowanzonzi rakasvibiswa kuti rinoshandiswa gore rinoshandiswa kana reDIAs) unogamuchira chikwereti chakachengetedzwa chekufarira chinowedzera mukati memvumo ye annuity.
Kufarira kune mutero-kunoderedzwa, saka hapana mitero yemari inobhadharwa inobhadhara kusvika iwe watora kubvisa. Unogona kutenga annuity yakasarudzwa neIRA mari, iyo iyo mitemo yemitero iyo inoshanda kuIRAs inoshandiswa kune mari yose mu annuity.
Iwe unogonawo kutenga annerity yakasununguka nemari isina mari yakakodzera (kwete-IRA mari). Kubhadhara kutorwa kusati kwasvika makore 59 1/2 zvingave zvichienderana nekutengesa mitero pamwe nemitero yemari. Paunotora kubvisa kufarira kunotanga kutanga.
Kana uchinge watora zvose zvaunofarira, iwe unotanga kubvisa mukuru, iyo kudzoka kwezvaunoisa mukati mako (yako mari inoita). Nheyo dzekutora hazvibhadharwi. Yakawanda yakasunungurwa annuities ine chiitiko chinokubvumira kuwana kusvika kune 10% yesangano rinokosha gore roga roga pasina kubhadhara kubhadhara mari.
Kana iwe uri kutsvaga chikwata chapamusoro, iwe unogona kufananidza zvakaderedzwa annuity rates kusvika kune dzimwe nzira dzingaita kuti zviwedzere kushanduka, zvakadai sezvikwangwani zvekuisa, kana kuti danho rekukwiridzira kwepamusoro-bhorosi rinokubvumira kuti uchengetedze mukuru wako nemirairo shoma pa kuwana mari yako.
Mari yeMari Inobatsira
Zvizhinji zvakasunungurwa zvakasunungurwa annuities zvinopa mamwe mazano kunze kwezinga rakavimbiswa. Semuenzaniso, vangave vane mubhadharo wemari yavanowana , iyo inotaura mari yakawanda yekusarura mari iyo inogona kubhadharwa kwauri makore gumi kana gumi nemaviri munguva yemberi.
Neyu rudzi rwechigadzirwa, iwe uri kutenga kuti uchengetedze zvimwe zvabuda. Haisi yepamusoro-soro yekudzoka; pane kudaro, ndezvekuita kuti uve nehuwandu hwehuwandu hwemari yakagadziriswa pamakore ako ekurega basa.
Zvakanakisisa ndezvekuti : Zvikwereti zvakagadziriswa nevatasvi vemari vanogona kuwana zvakanaka kune mumwe munhu anenge makore gumi kubva pakubata basa. Kana mumusika uchinge uchinge uchinge wakanyura pedyo nekutora kwako nguva, hazvina basa. Ichi chigadzirwa chinogonesa mari yeramangwana iyo ichabhadhara kwauri pasinei nokuti misika inodini!
Nenguva isipi
Nenguva yakatarwa yakagadziriswa , iwe unoshandura mari yako yemari yemari yekubhadharwa kubhadharwa kwemari kubva kubhizimisi yveshuwarensi inotanga pakarepo. Izvi zvinonzi "premium single" annuities kana SPIAs. Kana imwe nguva kubhadhara mari yekusununguka, havatende kunze kwekuti iwe unotenga gore rinoshandiswa nekugadzirisa.
Apo iyo annuity inowanikwa mari inotanga, iwe hausisakwanisi kuwana mukuru. Pane kudaro, iwe une kodzero yemari inowanikwa iyo kambani yveshuwarisi yakakupikira iwe. Iwe uchasarudza izwi rekubhadhara kwako , rakadai semari yakachengetedzwa kwemakore gumi, kana pamusoro pehupenyu hwako hwose.
Zvakanakisisa nokuda kwe: A fixed fixed annuity inogona kuwedzera kuwedzerwa kurongwa hwako hwekurega basa kana iwe uri:
- Akarega, kana kusiya pakarepo
- Unoda kuve nechokwadi chekuti iwe unotora mari yakafukidzwa nemari yakawanikwa
- Njodzi-inopisa uye inoshandiswa kutenga mari yakachengeteka
- Mumwe chete kana kuti munguva pfupi akava chirikadzi
- Kunetseka nezvekushandisa mari yako nokukurumidza