Mitengo yakasiyana-siyana uye Indexed Inomiririra Mazhinji eAnhuity Sales
Aya maverengero akaenzana akachengetedzwa anogadzirisa zvinhu zvakadai semari yekuwana hupenyu, kuvharirwa kwekuchengetedzwa kwevashandi, kana kubhadharwa kufa kwekufa. Pasinei nehutano hwakaoma hwezvigadzirwa, kudiwa kwavo hakushamisi. Ndiani asingadi sarudzo yekukura? Ndiani asingadi zvimwe zvingasarudzwa? Ingoyeuka zvakadzama uye mari inobatanidza iri muzvinyorwa zvakanaka kana gore rinouya ne prospectus kana kwete, saka verenga zvinyorwa zvakanaka.
Annuities Anokwanisa Kuuya neProspectus
Chikonzero chekushandura annuities chinouya ne prospectus uye indexed annuities hachisi nokuti varikusiyana annuities vanoonekwa sekuchengeteka. Annuities dzinoshandiswa dzinoonekwa sechengetedzwa kwekuchengeteka nokuti rutivi rwekutsvaga rwemhando iyi yemutemo inopa mutual fund type sarudzo yekukura. Imwe nyanzvi yemabhizimisi inonyanya kudana idzi "maakare akasiyana", asi chaizvoizvo, zvinoshanda sezvibatanidzwa zvemari. Mari inowanikwa pamwe chete inofungidzirwa sekuchengeteka, saka kushandura annuity kuwirirana ndiyo nyore kuita.
Zvipfigiso zveIndaneti Hazvive neProspectus Nokuti Hazvifungidziri Kuti Ndezvokuchengeteka
Indexed annuities haifaniri kufungidzirwa kuti ndeyekuchengeteka, asi pane nzvimbo yakarongwa sehupenyu hwehushandi yemishandiro. Mukati yapfuura yapfuura, pakanga pane nharo iyo indexed annuities inoshanda sekuchengeteka uye inofanirwa kubatwa seyakadaro. Ikoko kwaiva nehurumende inorwisana pakati penyika ye inshuwarisi yehupenyu uye nheyo dzenyika pamusoro pezita iri.
Yaiva hondo yeropa, asi pakuguma, indexed annuities yakanga isina kuzivikanwa sehutete. Nyaya chaiyo inozivikanwa se "Kutonga 151", uye kune mamwe mamwe maronda akadzika kumativi maviri kubva pakurwa. Ini ndinofanotaura kuti nharo yacho ingave gore rakashongedzwa ndeyekuchengeteka kuchadzorera musoro wayo zvakare mune ramangwana nekuda kwekuregererwa kwekutengesa maitiro uye rusununguko rwezvose zvakapoteredza chigadzirwa.
Kutonga 151 Akasarudza kuti Annusities yeInternet Haisi Chekuchengetedzwa Kwezvinhu - KwaNhasi
Mune makore akapfuura, indexed annuities zvaive chaizvoizvo zvinonzi equity indexed annuities. Mushure mokunge "151 kurwisana" Ndinofunga kuti sarudzo yakagadzirirwa kuisa mutemo shoko rokuti "kuenzana." Equity kana zvikwereti ndeimwe nzira yekureva kumatokari, uye izvi zvichida chimwe chikonzero chokuti pane yebhizimusi rezvemari rinoshandiswa kuti usamboshandisa hutano shoko zvakare. Kana kudanwa sekuchengeteka kunosvika, vazhinji vatengesi vashandi vaifanira kutora mimwe miedzo yakaoma kuti vawane chivigiro chekuchengetedza chikonzero chekutengesa.
Zvikwereti zvakaiswa muIndia Hazvivimbisi, asi Ipai Nhamba Yekufona Nezvakakwanisa Kuwana
Indexed annuities zvirokwazvo inowira pasi peyakaisirwa annuity category. Imhizha inofarira kudana iyi sarudzo yakagadzirirwa index annuity.
Nemhaka yekuti indexed annuities yakagadzirirwa annuities, icho chigadzirwa chinopa kudzivirirwa kwakakwana kunobva chero kupi zvako kunopera mumusika. Izvo zvingave zvakakosha zvinosungirirwa nefoni yekusarudza pane chinyorwa seS & P 500. Kuwana chero kupi zvako mukusarudza, iyo inowanzo gore rimwe chete, kunoridzirwa kune account yako annuity. Kuwana ikoko kunogadziriswa nemutakuri, uye chero upi zvake hunowanikwa mukati mezuva rimwe chete pagore. Chinokosha ndeyekuti annuities iyo yakanyorerwa yakagadzirirwa muna 1995 kunopikisana neCD inodzoka. Havasi misika yemakakiti, kunyange zvazvo iyo ndiyo iyo mahofisi akawanda anovatengesa.
Kurairirwa Kwemvumo yekutengesa Mitengo Yakasiyana-siyana Inowedzera Kuwedzerwa Kupfuura Imari Yakasikwa
Ichokwadi kuti kushandiswa kwekushandurwa kwemagetsi ndekuchengeteka uye kunotengeswa ne prospectus kunoda kuti mutengesi wekutengesa ane yepamutemo yepamutemo kune munhu anotengesa annuity indexed.
Ndiyo imwe yenharo huru pamusoro pevanhu vanongotengesa annuities inotengeswa. Izvo zvinodzidziswa nelayisensi ndezvenyika yerishuwarenzi yehupenyu hwehupenyu, izvo hazvisi zvakaoma kuwana uye kwete kuoma kubva pakufunga kwepfungwa. Kuti utengese annuity inoshandiswa, unofanirwa kupfuura mimwe miedzo yakaoma yakaoma, uye inoramba ichienderera mberi zvidzidzo zvisingatauriki kana ichifananidzwa neye indexed annuity yerineni yekudikanwa.
Saka ikozvino, annuities yakasiyana-siyana inotengeswa ne prospectus uye indexed annuities haisi, asi iyo inogona kuchinja munguva iri mberi.