Ndezvipi Zvakavimbiswa Kudzingwa Kunobatsira uye Lifetime Income Riders?

Vatasvi vemabhiza vanopa mari yakagadzirirwa kubhadhara Imari isina kurasikirwa nekuwana kune mukuru

Pane nzira dzakawanda dzekugadzira mari yekubvisa mari, asi vashoma chete ndivo vanouya nevanovimbisa.

Kutsigirwa kubviswa kwevatasvi vemabhiza nevarwi venguva yakazara yevashandi vanopa zvikamu zvinopiwa nezvibvumirano zve annuity zvinoshandiswa - uye zvinogona kunge zvichifadza nokuti vanoita izvo chete; ivo vanovimbisa upenyu hwemari.

Vanonzi "vatasvi" nokuti vane zvibvumirano zvesungano zvinosungirirwa nekonishuwarenzi yeinishuwarenzi (an annuity is contract contract).

Varikusimbisa kuti iwe usapedza mari yako . Heino maitiro avanoita.

Chiremba 1 vs. Vheta 2

Vatasvi vemari ava vanoshanda nekusika izvo ini ndinonzi "Wallet 1" uye "Wallet 2". Wallet 1 mari chaiye. Kana iwe ukazvipira mari iyo ndiyo yaunowana.

"Chiremba 2" inopinda mubhuku rinotaridzirwa rinonzi "purogiramu yako yemari". Haisi mari chaiye. Ndiyo nzira yekugadzirisa inoshandiswa kuverenga muwandu wemari yakagadziriswa iwe unogona kubvisa kana iwe uchisimbisa mutasvi. Iko kunowanzo kuregererwa kwepakati inosungirirwa kuzera rako.

Somuenzaniso, mutasvi anogona kutaura kuti iwe unogona kubvisa 4% yehuwandu hwekodhi yemvumo yechikwata (Wallet 1) kana kuti bhaari rekuwana (Wallet 2) kana iwe ukatanga kutora zvigadziri pakati pe 60 ne 64, 4.5% kana uchitanga pakati pe 65 uye 69, ne5% kana iwe ukatanga kutora mari mu70 kana kuti gare gare.

Chikwata chechipiri 2 chinoshandiswa kupa zvishoma zvakaguma chiziviso (inshuwarisi), asi kana zvikwereti zvikaita zviri nani kudarika mazano anopiwa neWallet 2, ipapo mari yako inogona kuva yakakura kudarika mari shoma.

Kuwana Annuity neRitori Rider

Icho chimwe chezvinhu zvakakosha zvikuru kunze uko, asi sezvinoitwa nekutsvaga, ita basa rako rechikoro chekutanga. Kana uchitsvaga annuity yakasiyana iyo inopa kubhadhara kubhadharwa kubhadhara mutasviki kana upenyu hwekuwana mari, iyi ndiyo yatinofanira kutarisa:

1. Inzwisise mazwi omutasvi.
   Vose vatasvi vemari venguva yakazara vanogona kutaurirwa kushandisa mazwi akasiyana-siyana, uye mutasvi woupenyu wenguva dzose haasi akaenzana nehutachiona hwekuregera kubhadhara. Kuti unzwisise kusiyana, verenga Lifetime Income Benefit Description.
   

1. Mari shoma.
   Mari yose yaunobhadhara iwe gore negore, kusanganisira mari ipi zvayo yakabhadharwa kumudzidzisi wako, inofanira kuva 3% pagore kana pasi. Kuti uone urongwa hwemari yose yaunogona kuita kuti uverenge Kuda Kwemari Yezvimwechete uye Mahomwe .
   
2. Kwete Kugadzirisa Kwemari Kunodiwa
   Iwe unoda kuwana huwandu huripo huripo hwekuregererwa kutasva mutasvi woupenyu wekushambadzira mari isingadi iwe kuti usapedze chibvumirano chako kuitira kuti uite mutasvi. Zvinorevei izvo? Zvinoreva kuti iwe unogona kubvisa mari yakavimbiswa gore rega rega (5% muenzaniso), asi kana iwe uchida, iwe unogona kuenderera mberi iwe mukuru wako (kunyange zvazvo uchidaro ungaderedza mari yaunowana iwe unogona kubvisa). Icho chinoreva zvakare paunouraya, chero mari yakasara inenge ichiripo kuti ipfuurire kune vagari venhaka.
   
3. Nhanho yegore negore iyo inovhara muhomwe yako yekuwana.
   Izvi zvinoreva kuti ramangwana rako rinogona kungoenda chete, kwete pasi. Chinoshanda sei? Gore roga roga pamusangano wako wekugadzirira, kambani ye annuity inotarisa kukosha kwekambani yako. Kana iri yakakwirira kudarika gore raiitika, mari yacho itsva inosvika pamba yako yekuwana iyo iyo kubhadhara kunobhadharwa kunobatsira kana mutasvi wenheyo yehupenyu inotarirwa. Kana chibvumirano chinokosha chiri pasi pepakutanga gore rakapfuura, bindu rako rekuwana rinoramba riripo, saka nzvimbo yako yepfuma haigone kuenda; chete kumusoro.
   

1. Imwe kambani yeInishuwarenzi iyo ine mazano ehutano.
   Chibvumirano chakanaka chete sekambani inoritaurira. Nhoroondo, inishuwarenzi yekambani inotsigira yave chinhu chaunogona kuvimba nacho. Kuti ugare wakachengeteka iva nechokwadi chekutenga kubva kumakambani ane zvikwanganiso zvakanaka. Kune rumwe rutivi rwekuchengeteka vamwe vanhu vanosarudza kusarudza zviviri kana zvitatu zvemakambani emishuwarenzi anopa mazano nemararamiro akarondedzerwa pamusoro, uye anoparadzira mari yavo kune avo.

Kana uri kutsvaga annuity ine chikamu chekuwana mari inofanirwa ini ndinogona kukurudzira kutsvaga AnnuityFYI, iyo inochengetedza runyorwa rutsva rwemakwikwi annuities anopa kana kubhadhara kubhadhara kushandiswa kubhadhara kana upenyu hwekuwana mari.