Nzira Yokuziva Nayo Kana Zvikwereti Zvakakunakira Iwe
Peji ino inofanira kushanda sehuwandu hwezvekushandiswa kwe annuities.
Mushure mekunge munonzwisisa pfungwa iwe unogona kutarisa mumarudzi akasiyana-siyana.
Makomborero eZvitsvaga: Maitiro Ose Anoita Sei?
Kunyange zvazvo zvigadzirwa zve annuity zvingauya mumhando dzose uye mazamu zvichienderana nemashoko aunosarudza, unoshanda zvikuru nenzira inotevera:
- Iwe unoita kuti iwe uwane mari mune rimwe gore
- Iyo annuity inotanga kukubhadhara kwauri kune rimwe zuva remangwana kana mutsara wemazuva.
- Zvinhu zvakasiyana-siyana, kusanganisira kureba kwenguva yako yekubhadhara kunoratidza kuwanda kwemari yako yekubhadhara.
- Mari yaunowana kubva kune rimwe remari inogona kubhadharwa pamwedzi wega wega, wega wega, gore negore. Inogona kunyanya kubhadharwa mubhadharo yemari.
- Zvichienderana ne annuity yako yaunotenga kana zvaunofarira, unokwanisa kusarudza kubhadhara mari yehupenyu hwako hwose, kana kuti nhamba yakatarwa yemakore.
- Nhamba yemari yekubhadhara mari yaunogamuchira inonyanya kuenderana kana iwe wakasarudza kugadzirisa kana kushandiswa annuity. Izvi zvinoreva kana chaive chekubhadharwa kwakachengetedzwa kana mureza wokubhadhara wakatarwa nekushanda kwemari yako yepayuity pasi.
Zviwanikwa zvinogona kubatsira mune dzimwe mamiriro ezvinhu. Pakati pese, zvimwe zvekubatsira uye kubatsirwa zvinosanganisira:
- Mutero-wakasimudzirwa kukura uye kuwirirana mukati memvumo ye annuity. Icho chinoreva kuti iwe unongotora mutsara pane unofarira iwe unowana apo unotanga kugamuchira zvikwereti, kwete apo iri kuvaka.
- Mitengo yakatsigirwa yekudzoka pamari yako
- Zviitiko zvehupenyu zvinovimbiswa kana iwe wekugadzirisa (pane dzimwe nguva haufaniri kunyange kutora annuitize kuitira kuti uwane rubatsiro urwu)
- Zvimwe zvinhu zvinogona kuva zvakakosha kwauri. Izvo zvipfeko zvakasiyana-siyana uye nheyo dzinoita zvinhu zvakanyatsoshandiswa, bvunza iwe unopedzisira uri pamusoro pezvinhu izvi usati wasayina chero mitsara yakajeka.
Cherechedza kuti zvivimbiso zvakasimba chete sekambani ye inshuwarisi yakabudisa annuity. Mune mamwe mazwi, kana kambani ye inshuwarisi ikundikana, vimbiso haisi yakanaka. Iwe unofanirwa kuderedza dambudziko iri uchishanda chete emakambani ekusimbisa inshuwarisi yakasimba kunze uko.
Kukanganisa Kwezvipfeko: Zvakakosha Here?
Kana zvasvika pakusarudza kana kusagadzikana kwe annuities kukanganisa mararamiro ari pamusoro apa, zvakakosha kucherechedza zvinotevera:
- Iwe unofanirwa kubhadhara nokuda kwekusimbisa nenzira yakati. Kana iwe usingadi iwe, usabhadhara ivo
- Zvimwe zvibvumirano zvakapera nguva dzinogona kusunga mari yako kwenguva refu kupfuura iwe unoda
- IRS mitemo inogadzirisa kuti iwe unotora sei mari kubva kune annuity. Kugoverwa kunogona kutengesa uye / kana kuvharirwa
- Zvikwereti zvinogona kushandiswa mumabhangi
Nezvizivo pamusoro apa mupfungwa, unogona kusarudza kuti kubhadhara kunobata sei mari yako. Ivo vakarurama kune vamwe vanhu, uye vakaipa kune vamwe.
Annuity Key Mitsara Yokuziva
Iwe unoda kuziva mamwe mazwi anokosha apo kutsvakurudza iyo yunivhesiti yeinishuwarenzi uye annuities yakakunakira iwe. Zvishoma pane zvinokosha ndezvi:
- Chibvumirano Muridzi
- Premium
- Ongorora Nguva
- Mubatsiri
- Kuita zvekare
- Variable annuity
- Immediate vs. deferred annuities