Inyika yebhizimusi yakawana mukurumbira wavo akaipa nekutengeserana kwekutengeserana maitiro, pamwechete nemishonga yakaoma-yakaoma seyakasiyana uye yakanyorerwa annuities. Tariro, izvo zvichachinja mune ramangwana, uye ndinofunga kuti zvakakosha kuti indasitiri ive iri mberi uye yakajeka pamusoro pekuti iyo mutengesi inotengesa inobhadharwa sei, uye yakawanda sei.
Matare Emagetsi Emagetsi Anovakwa MuNheyo
Neye inshuwarima yehupenyu uye yezvigadzirwa zve annuity, komisheni yakabhadhara kune mutengesi wekutengesa inowanzovakwa mumutemo. Zvikwereti zvinowanikwa nemakambani emishuwarenzi ehupenyu, saka kana iwe ukaisa $ 100 000 mu annuity, uchaona $ 100,000 pamashoko ako, uye $ 100 000 ichaenda kunoshanda iwe.
Asi ngatiitei izvi zvakajeka sezvinobvira, iyo inoshanda inobhadharwa. Usavabvumira kuti vatize nemashizha emitambo yekutaura vachitaura mazwi akadaro anonyadzisa se "Ini handimbobhadhari mari." Izvo zvisinganyengeri, uye mune dzimwe nyika, chaiyo inonzi nhema.
Correlation Between High Commission Payments uye Zvikwereti Zvikuru Zvokubhadhara
Mutemo wakajeka wechigunwe kuti uyeuke pamusoro pegore rinowanikwa mishandi ndeyekuti nguva yakareba iyo kupiwa mhosva, iyo yakakwirira yemakomisheni inobhadharwa kumushandi. Semuenzaniso, goreinity indexed pamwe nemakore gumi ekupa mvumo yekubhadhara inopa komisheni yakakwirira kudarika indexed annuity nemakore mashanu ekupa mari.
Murairo uyu unoshanda pane iyo bhodhi, uye inonyanya kutaurira annuities yakarondedzerwa sechitsinhanha, indexed, kana kuti yakagadziridzwa. Izvo zvakasunungurwa annuity zvisingashandisi kune iLongevity Annuity (aka Deferred Income Annuity - DIA). Pasinei nokuti unosarudza kwenguva yakareba sei kutarisa kutanga kwekuwana mari kubva kuDIA, komisheni yakabhadharwa kumushandi yakafanana.
Fixed annuities Have Lower Commissions Compare Comparable Variable or Indexed Annuities
Icho chimwe chirevo chechigunwe chinotsigira chokwadi ne annuities ndechokuti kunowedzera zvakanyanya annuity ndeye, iyo yakasimudza komiti kumushandi. Single Premium Immediate Annuities (SPIAs) uye Zuva Rokuwedzerwa Annuities (Dharedred Income Annuities - DIAs) mishonga yakashata uye inobhadhara komiti shoma. Annuities Variable (VAs) uye Fixed Index Annuities (FIAs) yakaoma mukugadzira uye inobhadhara high commission.
Hazvishamisi kuti zvinopfuura 75% zve $ 200 + mabhiriyoni annuities zvinotengeswa gore roga roga ndiyo yakakomba high commission inoshandiswa uye yakanyorerwa annuity types. Izvo zvinosuruvarisa, asi ndinonzwa kuti kuchava nekusundirwa nemutengi kunonyoresa sezvinodiwa zvinoramba zvichikura nokuda kwechibvumirano chakachengetedzwa chechirongwa chekuendesa mikana yenjodzi.
Kubhadhara Makomisheni Makuru Inogona Kuunza Kubatsirwa Kwokutenga Wemumwe Wako Car
Komisheni yekubhadhara kune vamiririri nevanoiri mazano vanoenderana nemashanduko mashomanana akadai seanoshanda, uye kana muvakidzani wavo anotora kutemwa kwekambani yakagamuchira. Pasina kupinda mune zvinyorwa zvemabhonasi anotakura, inopfuura, uye mamwe maitiro ekubhadhara, ngatitarisirei mapurisa emitambo ye5 inonyanya kufarirwa annuity types.
Annuities Variable (VAs) Iva neKomisheni Dzakadzika
Iko kunowanzopa mubhadharo nguva ndeyemakore mashanu kusvika ku9, saka zviyero zvemasimendi zvakasiyana zvinogona kuva 4 kusvika kune 7%. Mishandirapire inotarirwawo nevanenge vatakura.
Fixed Index Annuities (FIAs) Uyewo Ivai neKumisheni Yezvikwata
Kunyange zvazvo annuity indexed ine nguva shoma seyaka 4 yekuzvipira, huwandu hweFIA hunotengeswa nemakore gumi ekupa mvumo. Ngatitaurei kuti mapurisa aya akakwirira, anotsanangura kuti nei Tom, Dick, uye Harry vese vanoita basa rekutungamira kutengesa kwavo nemakore gumi eFIA. Yegore gumi FIA inowanzova nekutumwa kubva pa6% kusvika ku8%. Vamwe veFIA vane mutengo wemakore gumi nemashanu, naizvozvo iwe unogona kungofungidzira kuti mapeji acho akareba sei.
Single Premium Immediate Annuities (SPIAs) Iva neKomisheni Dzakadzika
Izvi zvinongororwa mari inoshandiswa pasina mitezo inofambisa uye inobhadhara mutemo wakaderera kumushandi.
Kazhinji, mapepa ePSIA anosiyana kubva pa1% kusvika ku3%.
Zuva reMakore Ane Zvizhinji (DIAs) Ive neComis Commissions
Aya Annuities Anowanikwa Anoshandiswa ari nyore mazano emangwana emangwana ayo anonyatsofanana nePSIA mukugadzirisa. Makomisheni eDIA anobva pa2% kusvika ku4%.
Fixed Rate Annuities (MYGAS) Ivai neComis Commissions
Aya CDi annuities haabhadharwi uye anozvipira mhosva dzinowanzopfupika semakore matatu uye kusvika kune gumi. Komisheni inotangira kubva ku1% kusvika ku3% zvichienderana neshoko remutemo.
Nokudaro, nguva inotevera gore renhengo inotaura kuti haibhadhara mari, vanomisa pakati pemutsetse uye vaudze kuti varege kutamba mitambo yemashoko. Annuities vanobhadhara komisheni, asi iyo inotengeswa netsva kwamuri. Icho ichokwadi. Iva nechokwadi chokuti uri kuwana zvakanakisisa zvinobatsira zvisinei nokuti basa rakarongwa sei.