Kana ukasarudza hupenyu huripo huripo huripo kubva purogiramu yako yepenjeni zvinoreva kana ukafa, mari inopera. Kana iwe wakaroorana, uye iwe mose munotenderera kune iyi pensions annuity income, izvi zvichasiya mudiwa wako mune mamiriro ezvinhu emari. Kuti udzivise mamiriro ezvinhu aya, iwe unogona kusarudza kusanganisa hupenyu huripo hwebhadhiro yekubhadhara.
Iwe unoda kunyatsodzidza zvirongwa zvakawanda zvekupararira zvinoshandiswa kuti hurongwa hwako hwepenjeni rubatsiro runopa uye huwana iyo inofanirana nehutano hwemari yako.
Pasi pane muenzaniso chaiwo wehupenyu hwemumwe mukadzi wepensheni yekugovera kusarudzwa kusarudzwa.
Sample Pension Benefit Distribution Choices
Kusunungura Sara: Mukadzi wemakore 62 nemakore makumi matatu ekushandira
- Upenyu Hwepabonde: $ 1,741
- 50% Joint uye Muponesi: $ 1,560
- 100% Joint uye Muponesi: $ 1,414
- Upenyu nemakore gumi vamwe: $ 1,620
- Lump Sump: $ 256,660
Tsanangudzo yePension Benefit Choices
Kana Sara akasarudza kusarudzwa kwehupenyu humwe chete achawana $ 1,741 chero bedzi iye achirarama. Mwedzi wepahomwe yepensheni ichabhadhara paanofa, saka kana akararama gore rimwe chete, hapana mari inowanikwa ichabhadharwa. Kana iye akaroora, mudzimai wake haazogoni kuponeswa .
Kana Sara achisarudza 50% Joint uye Survivor sarudzo, achawana $ 1,560 pamwedzi, uye paakafa, mudzimai wake aizowana $ 780 pamwedzi chero bedzi ari mupenyu.
Kana Sara achisarudza 100% Joint uye Kuponesa sarudzo, iye nemudzimai wake vachawana $ 1,414 pamwedzi chero bedzi mumwe wavo achiri mupenyu. Nechisarudzo ichi, Sara ari kutora madhora 327 pasi pamwedzi kupfuura hupenyu humwe chete. Iyi $ 327 pamwedzi kuderedzwa kwekubatsirwa ndeyekutenga inshuwarisi yehupenyu kune mudzimai wake kuitira kuti acharamba achiwana mari paanofa.
Kuenzanisa dzimwe nzira, Sara aigona kuona inshuwarisi yeupenyu ye $ 327 pamwedzi yaizotenga.
Kana Sara achisarudza hupenyu nemakore gumi chimwe chakanaka, kubhadhara $ 1,620 pamwedzi kunoridzirwa kubhadharwa kwemakore mashoma gumi uye kunopfuurira chero Sara ainge achiri mupenyu. Izvi zvinoreva kana Sara achipfuura mushure megore rimwe chete, mari yacho inoramba ichienderera kumudzimai kana kuti anobatsirwe kuburikidza negore gumi sekuenzaniswa kubva pamutengo wokutanga. Kana Sara akararama makore makumi matatu, mari yacho inopfuurira chero bedzi ari mupenyu. Sara aigonawo kusarudza mari yemari ye $ 256,660 panzvimbo yeimwe yezvinyorwa zve annuity.
Kuongorora Upenyu Hwehupenyu Hwemhuri yePenheni Payout vs. Upenyu hweUpenyu
Sara anoda kuve nechokwadi kuti mudzimai wake ane mari paanofa, saka anoziva kuti haazotora hupenyu humwe chete.
Kana iye ane hutano hwakanaka uye asingatambudziki, Sara angada kuwana inshuwarano yehupenyu hutsananguro kuenzanisa mari yepamwedzi yekushandisa mari yepensheni yekupa rubatsiro kumudzimai wake zvichienderana nemutengo wekutenga inshuwarisi yake yehupenyu hwekunze. Ndinoona izvi zvakakurudzirwa kakawanda nevamiriri vezvemari vanobhadharwa kutengeswa kwemishonga yveshuwarisi yeupenyu.
Kunyange kana vamwe vanogona kuchengetedza mari, vanogona kunze kwehushuwarisi hwehupenyu hunosanganisira njodzi yakawanda, sezvo mapurumusi anogona kukanganiswa nekuda kwekurwara, kufamba, uye / kana kusangana nemakore ekugutsikana kwepfungwa uye inshurensi yehupenyu inogona kubviswa.
Ndakaona izvi zvichiitika muupenyu chaihwo. Mumwe munhu ari kurwara uye mail inomira. Ivharensi yehutano yehupfumi yehutendi inotanga kusununguka. Munhu wacho anopfuura, uye panguva inosvika nguva, inishuwarenzi inonyanya kudiwa iyo isisipo. Inishuwarenzi yakavakwa mubhadharo yepenjeni ichapa kukuchengetedza kukuru kana uchitarisana nezvengozi dzakadai sokunonoka kugona uye kurwara.
Kana Sara achitarisa mu inshuwarisi yehupenyu angave achida kuwana inshuwarano yehupenyu inotsanangura paIndaneti, taura neanishuwarenzi yehupenyu, kana kushandisa masangano ekubhadhara-mugovereri wehupenyu hwe inshuwarisi yega, kana mubhadhari wega wezvemari. Kana Sara akasarudza kushanda nemushandi, zvakakosha kuti iye arangarire kuti mumiriri wega haafaniri kupa chirongwa chinangwa sezvo iye achangobhadharwa chete kana Sarah achishandisa inshuwarhu yehupenyu.
Sara achadawo kuongorora kubatsirana uye kubvuma kutora chikwereti chemari inoparadzaniswa nekutora mari yepenjeni segore.
Sara anofanirwawo kutarisa hupenyu hwomukati wake nemukadzi wake paanoita chisarudzo chokupedzisira. Kana mudzimai wake ainge akwegura kupfuura iye nguva-mamwe annuity payout angaita zvinonzwisisika kupfuura hupenyu huripo huripo.