Fixed annuities inoratidzirwa sehupenyu hwehushandi yemishandiro, saka inshuwarisi yehupenyu hwemishuwarenzi ndiyo yose inodiwa kukumbira uye kutengesa marudzi aya emagadzirirwo.
Zvipfeko zvinotungamirirwa munzvimbo yehurumende, uye nyika imwe neimwe ine dhipatimendi ravo pachavo re inshuwarisi. Sangano reNational Association of Insurance Commissioner ndiro dare rinodzora pamusoro pematunhu ose. Annual annuities inonzi inochengetedzwa, uye saka inotarisirwa ne SEC ( Securities Exchange Commission ) uye FINRA (Financial Industry Regulatory Authority). Zvinoratidzika sehutungamiri hwakawanda, asi pasinei nekutarisa kweiyo annuity yokutengesa kwenyika ichiri kutaridzirwa semusango kumadokero uko kune chero chinhu chipi zvacho chinowedzera, kunyanya nezve annay annuities.
Fixed Index Annuities
Mukati yapfuura yapfuura, pakanga pane nharo yepamutemo maererano neFixed Index Annuities (FIAs) inofungidzirwa kuchengeteka kana kwete. Indexed annuities ine chikamu chekukura chinosanganisira foni yekuita pane imwe nhamba (inowanzo S & P 500 ), ine chidimbu (aka: cap) yakaiswa pamusana pokudzoka.
Pakupera kwezuva racho, inshuwarisi yehupenyu yehutano inoshandura mafungiro avo uye FIAs inoramba iri segore rinogadziriswa, kwete chekuchengeteka.
Chikonzero icho indexed annuity gunslingers nevashambadziri vepanternet vanokurudzira havatsvaki annuities indexed kuti ichatsanangurwa sekuchengeteka vangazofanira kupedza muedzo chaiwo kutengesa chigadzirwa.
Parizvino, kana vakakurumidza kuenda, chero munhu aigona kupiwa mvumo mumasvondo mashoma maviri kuti atengese annuities akashongedzwa nekungopfuura kudarika hupenyu hwehutano inshuwarheni. Saka iwe unogona kushanda hupenyu hwako hwose kuti uise mari yekurega basa, uye mumwedzi usingapedzi mwedzi, mumwe munhu anogona kupedza muedzo uye anokutengesa iwe annated annuity. Sei chikwata chemari chisingafungi kuti ichi chinetso chinoshamisa. Iyi inoda kuedzwa inonyanya kukanganisa kubva pane chikonzero chekufanirwa, uye izvo zvinoenderera mberi zvidzidzo zvinowanikwa munzvimbo nevanotakura zvinonakidza zvakanakisisa.
Kune ikozvino mazana ezviuru zvevanhu vane mvumo vanogona kutengesa annuities muUnited States zviri pamutemo. Izvozvo zvinotsanangura zvakawanda, handizvo here? Ndicho chikonzero chokuti iwe ungaita sewakasvibiswa ne-non-stop annuity ads, yakaipa chicken dinner seminar semitariti, uye bhenji rako rekukuedza kuendesa CD yako mari mune annayity indexed.
Annuities Variable
Annual annuities haisi chigadzirwa chakanaka nemhando ipi zvayo yemafungiro, asi chirongwa chekubvumirana chinokwana chiuru chinopfuvura kupfuura chikero chavo chinyorwa. Mitengo yakasiyana-siyana inorondedzerwa sekuchengeteka, saka kuitira kuti vatengese kune mumiririri vanofanira kutora chirongwa cheChitsauko che 7 (chekuchengetedzwa kwenyika) kana Series 63 uye Series 6 kuedza kuitira kutengesa mari pamwe chete uye kushandiswa kwemari.
Aya maedzo haasi nyore (haafaniri kunge ari), uye kuenderera mberi kwezvidzidzo zvekudzidzisa zvinetso zvakare.
Mazano angu ndekukumbira mutengesi wekutengesa nezvemari yavo uye oita tsvakurudzo yako paIndaneti maererano nezvakakodzera. Kubata nguva dzose hazvienzanisi nekodzero, asi iyo yakanaka yakaenzana yezvinodiwa zvakakosha nheyo yezvemari yezivo. Annuity agents (kunyanya indexed annuity "vadzidzisi") vari kuita sevasingazivikanwi sevanhu vane permisi yavo yeimba. Ive dime gumi nemaviri, uye vazhinji havafanire kupa mazano kune vamwe pamusana pokurasikirwa kwavo. Ngwarira kunze uko, uye ita nechokwadi chekubvunzurudza mazano nevaridzi vakawanda kuti vawane zvakakodzera kunaka kwako uye mamiriro emari.