Munhu Anogamuchirwa neAnhuuity, IRA, kana Rufu Rwokufa
Vabatsiri kazhinji vanongowanikwa kune mamwe marudzi ezvinyorwa, zvakadai se:
- Annuity zvibvumirano
- Nhaurirano dzebasa rega rega (IRAs) uye mamwe mabhuku ekurega basa
- Life inshuwarisi yemitemo
Sei ane mupiro?
Kuti iwe unosarudza kana kwete iwe kusarudza munhu anobatsira ndeyezvisarudzo zvake. Tsvaga zvose zvaungasarudza nemari wako wezvigadziro uye mutongi wenhepfenyuro.
Kunatswa: nokupa munhu anobatsira, unoita kuti zvive pachena kuti ndiani anofanira kugamuchira zvigaro zvako paunenge wafa. Izvi zvinopedza mibvunzo ipi neipi kana kukakavadzana pakati pemamwe nhengo dzemhuri neshamwari dzinogona kukwikwidza kuti mufi angave achida kuti mumwe munhu agamuchire zvinhu.
Kushinja: kusarudza mubhadhari kunowedzerawo zvinhu kune avo vanogadziriswa - inowanzokurumidza uye nyore nyore kutora maiti semupi wezvakagadziriswa. Hakune chikonzero chekumirira kuongorora maitiro (izvo zvingatora mwedzi kana nguva uye zvinoda kumirira zvimwe zvinhu zvinotarisirwa). Pane kudaro, munhu anonzi anobatsirwa anogona kuverenga zvinhu nokukurumidza apo rufu rwakafa rwuri kunyorwa, kazhinji kuburikidza nokupa zvinyorwa zvakadai sechirwere chekufa uye neefidavit ye domicile.
Uyezve, zita rekuwana rubatsiro rinowanzotora (kana kuti rinowedzera) mirayiridzo mukuda-saka iyo inongoshanda chete kune zvinhu zvisingatauri zita rakabatsirwa.
Mhando dzevabatsiri
Iko kune maitiro maviri evanhu vanobhadhara:
- Primary beneficiaries
- Vanopesana vanobhadhara
Vanonyanya kubhadharwa ndivo vanoita sarudzo yekutanga kumubatsiri.
Pakaitika rufu, munhu wekutanga anogona kutora mari yacho ndiyo inonyanya kubhadhara. Cherechedza kuti iwe unogona kuva nevazhinji vanogona kubatsirwa pane dzimwe nguva. Semuenzaniso, iwe unogona kuva nevana vatatu vanobatsirwa, iyo yose inogamuchira 33.3% yezvinhu (uchifunga kuti vose vari kurarama munguva yekufa kwako).
Vanowirirana vanobhadhara vanoshandiswa sekuchengetedza. Muchiitiko chekuti hakuna vanorarama vanogona kubhadharwa, avo vanobatsiri vanozviti vanobvuma. Muenzaniso wakafanana ndeiyu:
Imwe muridzi wekambani inotora mudzimai wake seanonyanya kubatsirwa. Aizogamuchira zvinhu zvose paakafa. Zvisinei, murume nomudzimai vanourayiwa pamwe chete (panguva imwechete) mumotokari yemotokari. Nokudaro, hakuna hupenyu huripo hunobatsira. Somugumisiro, mari ichaenda kumunhu anobatsira (kana aripo).
Mutemo wehurumende unotsanangurira kuti mari inoshandiswa sei kana pasina mubatsiri weruzhinji, kana kuti hakuna mumwe wevaya vanobatsiridza vanoti zvinhu.
Pakati pezvinhu zviviri izvi, pane zvimwe zvisarudzo zvinogona kuitwa (zvakare, taura nemugweta gweta uye mugadziri wemari asati aita chero zvisarudzo). Iwe unogona kutumidza munhu mumwechete, kana unogona kushandisa dzimwe nzira, kusanganisira:
- Kutumidza sangano kana sangano seunobatsiririra
- Pakafuridzirwa mazita
- Per capita kudanwa
Kunyanya paunofunga nezvevana, zvizvarwa zvakawanda kana mukana wevatsigiri vanofananidza iwe, zvinokosha kuti unzwisise kuti mazita ekubatsirana anoshanda sei uye zvaunosarudza ndezvipi. Peji ino haipindi mumashoko acho akakwana kuti akutungamirire - asi tarisiro, uchawana pfungwa pane izvo zvinoda kukurukurwa newemugadziri wemari yako.
Usambofungidzira kuti iwe unoziva kuti mari yako ichagoverwa sei. Nzvimbo dzakasiyana-siyana dzemari dzinoshandisa nzira dzakasiyana, uye dzinogona kusarudzwa pane imwe nzira kunyange iwe usingaregi sarudzo iyo pane fomu yekufananidzira inobatsira.
Kana uchizosiya mari kuvana vaduku, zvinotonyanya kukosha kutaura nemunhu ane mazano ekugadzirisa nzvimbo. Vaduku (kazhinji vanhu vane pasi pemakore 18) havabvumirwi kuva nehumwe humwe nyaya ivo pachavo .
Zvisinei, kune nzira dzekuita kuti mari iende kumwana muduku kana kuti inoshandiswa nekuda kwekubatsira-kunyange kana munhu mukuru achibata mari.
Ongorora Nguva dzose
Kugadzirisa vatsigiri haisi chinhu chimwe chete. Iva nechokwadi chekudzokorora mazita ako ekuwana zvikwereti makore ose mashomanana - uye kunyanya pashure pezviitiko zvehupenyu zvakadai semichato, kurambana, kuberekwa, nekufa. Zvinhu zvingadai zvakashandura iwe kana vatsigiri vako, uye zvingava zvine musoro kuchinja.
Mamwe mavara eakaakurega haakubvumi kuti uchinje muwani wako, asi vazhinji vanoita.