Zvizvarwa zvinogona nyore nyore kuteverwa kumashure panguva dzevaRoma apo masoja nemhuri dzavo vakavimbiswa mari yehupfumi yemari yekubhadhara ivo nemhuri dzavo. Zviwanikwa zvakanyanya kuiswa panyika kuti zviwane mari, uye iyi ndiyo chete yekushandisa kwechigadzirwa kusvikira muna 1952 apo shanduko yekutanga ye annuity yakaiswa. Zvadaro muna 1995, gore rekutanga rakanyorerwa rakapiwa.
Pakupera kwezuva racho, annuities inonyanya kushandiswa semhinduro dzemari, uye annuities iyo ndiyo chete chigadziro chekupa mari mari pasinei nekugara kwenguva yakareba sei.
Zvinyorwa zviviri zvekutanga kwemari
Kuwana Pakupedzisira, kana Zuva Rakatarirwa Mari, inogona kuendeswa nemakore akawanda (ann: Deferred Revenue Annuities, kana DIAs) neRipu Riders inowanikwa kune annuities yakasunungurwa seyakachinjwa kana kuti yakanyorerwa annuities.
Kugadzikana Ndicho Chinyanya Kusiyana
Vashandi Vanowanikwa vanowedzera kushanduka kupfuura Kuwedzera Kwemakore Anopfuura. Izvi zvinoreva kuti iwe unogona kutanga mari yako yekufambisa mberi kana kuti gare gare pane pakutanga yakarongerwa neRitori Riders, asi kushanduka kunouya nemutengo wegore wehupenyu hwematongerwo enyika.
Mazuva mazhinji emakore anowedzera zvakasimba kubva pane chibvumirano. Havana mari yekubhadhara uye mari yekubhadhara inogona kuve yakakwirira kudarika Imari Riders, nekuda kwekusava nemafungiro asina kufamba. Mukuwedzera, Matongerwo Emakore Ane Chiremera anokubvumira kuisa COLA (Mari Yekugadzirisa Kurarama), iyo inowedzera gore rehupenyu hwehutano.
Muzvikamu zvose zvakare gare gare kana chinangwa chekugadzirira zuva, ndinogara ndichiratidza mazano ose, kuitira kuti kuenzanisa kwechokwadi kuite. Handizvo zviri nani kudarika imwe, uye zvose zvinosvika kune imwe mamiriro ezvinhu uye zvinangwa chaizvo izvo zvinoda kuitwa.
Mazana Emakore Anoremekedzwa Iye Zvino Anobvumirwa mu 401ks & IRAs
Muna July wegore ra2014, Dhipatimendi reMariki pamwe chete ne IRS yakabvumira kushandiswa kwemakore akawanda (aka: Deferred Income Annuities, DIAs) mukati ma 401ks neIRAs.
Ichi ndicho chibvumirano chakakura uye chinowedzera-mutengi kuti ini ndakashamisika chakanga chave chichigamuchirwa.
Mitemo yemazuva ano inzvimbo inobvumira Mutengo Wakafanirwa weLongevity Annuity Contract, kana QLAC , chiyero chekutenga 25% yehuwandu hwe 401k yako kana yeIRA muyero kana $ 125,000, chero zvishoma. Makore akawanda emakore anokubvumira kurega kwenguva shoma semakore maviri, kana kwenguva yakareba makore makumi mashanu. Uyu mukana unokosha uye wakananga kune vashandi vaduku vane 401k munzvimbo, uye mukana kune avo vakaronga kuwana mari mune ramangwana rekare zvakare.
Zvizvarwa Zvinogona Kuverengerwa Kupa Mari Inouya
Kubhadharwa gare gare kana kurongedza zuva rekugadzirira mari hazvifaniri kushandiswa zuva rimwe chete munguva yemberi yekutora mari yekutanga. Vanhu vakawanda vanoziva mazano ekusimudza achishandisa zvisungo kana maCD, asi imwe nzira inogona kushandiswa inogona kushandiswa ne annuity revenue. Kuwedzera kwemakambani matsva kunogona kugadziriswa kukodzera mamiriro akasiyana nemari yekuwana mari.
Paunotora mari kubva kune rimwe remari, chikwereti chinoratidzirwa chekuvimbisa chinonyanya kuratidzira mararamiro ako emararamiro (kana hupenyu, kana akabatanidzwa pamwe chete nemumwe wako) panguva yaunotenderera mari yekusvitsa mari.
Iwe Unogona Kuchinja Dambudziko Rako Rokuzvarwa Kwemakore kusvika kune Annuity Carrier
Icho chinonzwisisika kuti iwe mukuru iwe paunotenderera mari, iyo yakasimudza ruzivo rwekuwana.
Nguva yako yekutarisira hupenyu inoderera gore negore, uye mari ye annuity inotarwa uchishandisa mararamiro ako oupenyu. Muchidimbu, uri kuisa bheti nekambani ye annuity yauri kurarama kwenguva refu kupfuura yavanofunga kuti uri kurarama. Kana iwe uchirarama huri mberi kwehutano hwehupenyu huripo, ipapo kambani ye annuity iri pachikwereti kukubhadhara iwe kana iwe uchigara kwenguva refu. Icho ndicho chinonyanya kukosha chirevo chekuwana mari. Iwe unotengesa njodzi yekuwedzera mari yako kune annuity carrier iyo inokuvadza iwe kurarama kwenguva yakareba kupfuura yakatarirwa.
Zvizvarwa Zvinofanira Kupiwa Nezvavanozoita, kwete Zvavanogona Kuita
Nekugadzirisa kwemari yeramangwana, iwe unogona kuziva peneni kuti zvikwereti zvichave sei musi waunoda. Yonguva yegore chete inokwanisa kupa urongwa urwu hwekugadzirira, uye chikonzero nei munhu achifanira kufunga nezvekugona kuwedzera aya maitiro ekugadzirisa njodzi mazano okugadzirisa chero zvingada mari.