01 Tenga Imba Yakadaro
Nzira ipi iri nyore yekuwana mari yakawanikwa? Tenga iyo. Izvi ndizvo chaizvo zvaunoita kana iwe ukatenga kamwe- kamwe annuity -iwe unoshandisa pfuma yemari kuti utenge mari yakawanikwa. Iwe unogona kusarudza sarudzo iyo mari yaunowana ichabhadhara nguva yako yose yeupenyu kana kuti nguva yeupenyu pamwe chete kana iwe wakaroorana. Kutenga kunogona kuva chiitiko chehupenyu hwose kune vanotarisira mazana emakore! Hapana nzira iyo iwe unogona kupedza nayo mari yako neyekurumidza annuity.
Sezvo zita rinoreva, "pakarepo" zvinoreva kuti mari inotanga pakarepo, saka nguva yakanakisisa yekutarisa sarudzo iyi apo iwe wagadzirira kurega basa uye iwe unoda mari inotanga pakarepo. Kunyatsove mari yakawanda yemwedzi iwe waunogona kugamuchira inobva pane yezera rako. Mukuru iwe uri, iyo yakakwirira mari yaunowana iwe pariyoni yaunoshandisa.
02 Shandisa Rudzikinuro Rubatsiri Rider paDefed Annuity
Kana iwe uchida kutenga mari yakachengetedzwa pane imwe nguva mune ramangwana, tsvaga rubatsiro rwunenge rwakavimbiswa huwandu hwekubhadhara mubhadhari , dzimwe nguva anonzi GMWB, kana kuti hupenyu hwekuregererwa hupenyu hwose (LWB)
Nemhando iyi yekutsvaga mari, iwe unoisa mari yako nhasi nechinangwa chekutora mari pane imwe nguva makore 10 kana kupfuura munguva yemberi. Sangano re annuity rinotora chinyorwa chekukosha kwebhuku rako gore rega roga uchienda. Sezvo nhoroondo yekodzero ichikura, iyo yakakwirira yepamusoro yakavharidzirwa se "itsva yemari yepamusoro." Unogona kushandisa hukuru hwehuwandu hwemari yezvino kana hutengo hwebato rekuwana kuti uite zvigadziriswa zvekuregererwa kwako paunenge uchiita kuti iwe unotora mutoro wako. Mari yaunogona kubvisa inowanzosiyana kubva pa4 kusvika ku6 kubva muzana yehuwandu hwebhuku / kukosha kwehuwandu hwehuwandu, pamwe nehuwandu hwehuwandu hunoenderana nezera rako panguva yekuregera uye nemigumisiro yemvumo yako.
Kushandisa izvi zvinogona kuva nzira yakanaka yekudzivirira tsika dzekodhi kubva pamagumisiro ekuderera kwemakemikari makuru kudai iwe unenge wava nemakore gumi nemashanu kubva pamakore ekusiya basa, kunyanya kana zvikaitika kana ukaswedera pedyo nezera rako rekurega basa.
03 Shandira Kuwana Pension
Zvakanaka kubhadhara nemapenjeni. Dzimwe nyanzvi dzinopedza makore gumi ekupedzisira emabasa avo ekushanda kune sangano rehurumende kuitira kuti vawane penheni . Uku ndiko kushamisira kwakanaka kune avo vasina kuchengetedza zvakakwana kumushandiraperi pakutanga mumabasa avo. Tarisa vashandi vanopa pensions uye chengetedza kuti vaone kuti hurongwa hwekugadzirira chii. Unosvika kwenguva yakareba sei kushanda ikoko kuti uwane?
Uye kana uri kufunga nezvekushandura vashandi, unogona kunge wakamirira kwenguva refu kana ukashanda nguva yakawedzerwa zvinoreva iwe uchawana mari yakawedzerwa yakawanda. Zvisarudzo izvi zvinogona kubatsira kuita kuti basa rako rive rakachengeteka.
Vamwe vanhu vanoshushikana kuti mari yavo yepensheni haigone kubhadhara zvikomborero zvavakavimbiswa. Mukuru iwe uri paunotanga penheji yako, iyo yakachengeteka iwe mari yako ichava. Kune imwe yveshuwarisi yehurumende inonzi Pension Benefit Guarantee Corporation kana PBGC. Inodzivirira mari yepenjeni, asi mari inenge yavimbiswa ine chikwata. Nhamba yehushandi inoderedzwa gore negore iwe unotora basa mushure mezera remakore makumi matanhatu nemashanu. Kana penheji yako yakafukidzwa nePBGC, tanga kubatsirwa pamakore makumi matanhatu nemashanu kana gare gare kuti uwedzere mari yehushandi.
04 Get a Reverse Mortgage
Mari inogutsikana ndeyekuti: mari iyo inopihwa hupenyu husina ngozi kune yako. A reverse mortgage inogona kupa iyo yehutano yekuchengeteka uye mari inowana mari isingabhadhari. Saka sei vanhu vakawanda vasingashandisi?
Zvikonzero zviviri: kutya uye mari. Kutanga, vanhu vanotya kuti bhangi ringatora imba yavo. Izvi zvakaitika kare kare asi mitemo yakashandura zvinoshamisa mumakore makumi matatu apfuura. Ichi chigadzirwa iye zvino chakachengeteka, chakasimba, uye hachina ngozi kune wakwereta.
Chechipiri, vamwe vanhu vanofunga kuti mari yacho yakakwirira. Imwe zvakare, mitemo yakagadzirisa mamiriro aya uye mari nhasi haigone kudarika miganhu yakataurwa nehurumende. Kana iwe uine makore makumi matanhatu kana kupfuura, kana uri kutsvaga mari yakagadziriswa, uye kana iwe wakabhadhara imba yako kana kuva nehutano hwakawanda mairi, reverse mortgage inogona kunge yakakosha.
05 Iva Nehanya Nezvaunofunga Social Security
Vazhinji vakasiya mari vanogamuchira chikamu chikuru chemari yavo yakachengetedzwa kubva ku Social Security. Vaya vanogamuchira Social Security vanobhadhara vanowana kugadzirisa-ku-kuraramisa gore negore, izvo zvinowanzokonzera kuwedzera kwezvibereko.
Dambudziko nderokuti vanhu vakawanda vanoramba vachitora Social Security kare kare, kana kuti havagoni kuratirana nevarume vavo kana vakaroorana. Mazana ezviuru zvemadhora emari inogona kubhadharwa nenzira yevakaroorana nemubatsiro uye chirikadzi / mubadzidzi wezvakanaka zvinogona kuitika nokuti mumwe mukadzi akaita chisarudzo chisina kunaka pamusoro penguva yokutanga kubatsira kwake .
Usave upenzi uye ushingairire kutora Social Security pa 62. Kutanga zvikomborero pane imwe nguva inotevera inowedzera zviri nani kune iwe uye nezvimwe zvakawedzerwa mari pane hupenyu hwako.
06 Isa Mari muNhare Yakapiwa Annuity kana QLAC
Rushuwarisi yehuwandu hwehuwandu hwemhando yepamusoro ndiyo imwe yenzira yakaderedzwa yakasununguka yakaita kuti iwe uwane huwandu hwemari inowanikwa mune imwe nguva yeramangwana, yakadai sa 85 kana 90. Pane chimiro chakakosha chechigadzirwa ichi chinonzi QLAC kana Chikwata Chekufanirwa Kwemakore Anonzi Annuity chinotengwa mukati IRA kana 401 (k). IQLAC inokubvumira kurega kutanga kwezvakaderera zvamuri kupa.
Vanhu vane inshuwarano yakareba vanonzwa vakachengeteka pamusoro pekushandisa mari yavo yekurasikirwa pamusana uye kufamba pavanenge vachiri vaduku nokuti vanoziva kuti vane ramangwana rekuwana mari yakavimbiswa yekuvatsigira gare gare.
07 Gadzira Chibvumirano Zvishoma
Vazhinji vakasiya basa vanotya kushandisa mutungamiriri, asi zvinogona kunge zvakanyatsonaka kana yakarongeka nzira yakarurama sechikamu cherongwa. Iwe unogona kuvaka bhidhi kana CD pane iwe unotenga CD kana bvumirano iyo ichakura mune gore rakasiyana nemari yaunoda panguva iyo kuvhara mari. Kana ukama huri kukura, iwe unopedza.
Imwe nzira ndeyokushandisa zvigaro zveHarare , iyo inofungidzirwa kuti ndeimwe yemari yakachengeteka yaunogona kuva nayo. Izvo zvibvumirano zvakabudiswa nehurumende yeUnited States. Nzvimbo dzezvemari dzinogona kubvisa chikamu chikamu chechibvumirano kubva kune chikamu chikuru, zvichigadzira chimwe chinhu chinonzi Treasury strip . Iwe unogona kutenga zvipfeko izvi nezvikwereti zvinotarirwa kunze, zvichigadzira ruzivo rwakagadziriswa rwemari nemukati mumwe nomumwe unokura mugore raunenge uchida.