Variable annuity mari inogona kunge yakakwirira - saka bvunzisisa usati watenga.
Zvimwe zvinokonzerwa annuity mari inowira muzvikamu zvishanu zvinotevera.
- Kufa mari (M & E)
Iyi ndiyo mari inobhadharwa nekambani yeinishuwarenzi kuti ikupei rubatsiro rwekufa (kazhinji kungova chivimbo chekubhadhara kune avo vanobatsirwa pane zvingaiswa mukati). Izvi zvinokonzerwa negore annuity mari inogona kubva kubva ku50 - 1.5% yematongerwo enyika gore negore. - Kutarisirwa mari
Mitemo yakawanda yakawanda ye annuity ine mari yakasiyana yehutungamiri yekubhadhara kubhadhara mari ye mailings uye inoramba iri kushanda. Iyi mitero inogona kubva pane .10 - .30% yematongerwo enyika gore negore. - Mari yekubhadhara mari
Mukati ye annuity yakasiyana-siyana, shanduko yekushambadzira uye kushambadzira kwezvisungo, iyo inonzi sub-accounts, ichava nemari yekuchengetwa kwekutsvaga mari inogona kubva kubva ku25 - 2.00% yehuwandu munyaya iyoyo gore. - Zvimwe mari yevatasvi
Vatasvi vemabhiza vane zvimwe zviitiko pane yenyu yakasiyana ye annuity policy inokupai mamwe mavimbiso kana maropafadzo ekufa. Zvichienderana nehuwandu hwebatsiro, vatasvi vemabhiza vanogona kutora mari .25 - 1.00% yematongerwo enyika gore negore.
- Dzorerai mhosva
Mitemo yakawanda inobhadhara mutemo mukuru kune munhu anotengesa mutemo kwauri. Kuzvipira kuiswa kunoiswa shanduko ye annuity yakasiyana kuitira kuti kana iwe ukabvisa purogiramu yacho pakarepo, kambani yveshuwarisi inogona kudzorera mutemo wavanoda kubhadhara.
Zvinhu zvinokosha zvekutarisa nezvimwe zvakasiyana-siyana annuities
Mukati ye variable variable annuity, kune zvimwechetezvo zvingasarudzwa zvekutsvaga izvo zvaunazvo kunze kwekusiyana kwe annuity.
Kana uri kubhadhara 3% kana kupfuura gore mumari, yako annuity inofanira kuwana mari yose musati watanga kuona kudzoka kunoremekedzwa.
Zvipfeko zvinotengeswa nemishuwarenzi, saka tora nguva yekunzwisisa kuti chii chiri iwe uri kuisa inshu. Funga nezvemari yekubhadhara mari yakadai sepayimende yehushuwarenzi. Iwe uri kubhadhara kambani yeinishuwarenzi kutakura ngozi. Vangave varikusimudzira mararamiro enyu emangwana rekusiya mari nekupa mvumo yekuregererwa kubhadharwa , kana kuisa huwandu hwekufa kufa kune vanogara nhaka, kana kuisa huwandu hwekudzoka. Iva nechokwadi chokuti unonzwisisa zvikomborero zvauri kutenga.
Kupa mhosva kunogona kuenzana kubva pamakore matatu kusvikira kune makore gumi nemashanu murefu, izvo zvinoita kuti usanyanya kuchinja. Kana mamiriro ako ezvinhu achichinja, akadai sokurambana, iwe unogona kusakwanisa kuparadzanisa kambani yako usingabhadhara kupiwa mhosva.
Mukuwedzera pakunzwisisa kushandiswa kwemari inoshandiswa kwemari uye mari, tsvaka kuti munhu waunotenga chikwereti kubva paanenge achizoita kutengeswa. Usagamuchira mhinduro se "Shamwari yangu inondipa iyo." Nzira iyo mumwe munhu anopindura mubvunzo uyu achakuudza zvakawanda nezvorudzi rwemunhu wauri kutarisana naye. Imwe kambani yemishuwarenzi inogona kubhadhara makomisheni akareba se5 kusvika ku9 muzana yemari yaunoshandisa.
Ava vatengesi vezvemari vangasava nedzimwe mhinduro dzekutaura kwauri, uye izvi hazvigamuchirwi. Kana kukurudzirwa kwakaitwa mushure mekunge mumwe munhu akaunganidza chirongwa chezvemari chakakwana kwauri, ichi chiratidzo chakanaka. Kana pasina zano rakagadzirwa, chenjerera.
Iwe usati watenga chero chinhu kubva kumutengesi wezvemari uyo achawana komisheni, iwe ungada kutaura nemutengi-wega wezano wezvemari . Mumwe mupi wezano-wega wega haagoni kugamuchira mutemo wekutengesa kushandiswa kwemari kana zvishandisi. Iwe unofanirwawo kutarisa muS SEC watengesi mutengi pane zvaunofanira kuziva pamusoro pekushandurwa kwemakore.