Chimwe chinhu chisingazivikanwi nevakawanda ndechekuti annuities inogona kuenzaniswa zvakare, uye iyo nzira yekusimudza inogona kushandiswa pamari kana muzvibereko. Dhidhiyo dzeCD uye zvisungo zvaizove zvakarongerwa sekumhanya kwezvibereko. Ne annuities, iwe unogona kukwira kwemazvibereko kuburikidza nekugadzirisa annuities, asi iwe unogonawo kukera yemari pamwe chete.
MYGA Zvikwereti Zvipfeko Zvibereko Zvibereko Zvakafanana neCDs
Fixed-Rate Annuities (inozivikanwawo kuti MYGAs: Multi-Yield Guarantee Annuities) inoshanda zvakafanana neCD. A fixed fixed rate rinotarisirwa kwenguva yakati. Hapana mari yegore negore uye yakasarudzwa inotengeswa annuities, uye kuzvipa mhosva kunoderera kunopera gore negore pamusoro pematongerwo enyika. Mhedzisiro huru pakati peCD uye imwe yakagadziridzwa annuity (MYGA) ndeyokuti kufarira kwegore negore kunowedzera uye kunobatanidza mitero-yakarondedzerwa paI MYGA, iyo inoshandiswa mune imwe nhoroondo yeIRA (kureva isina kukodzera). Iwe unofanirwa kubhadhara mitero kune chido gore negore pane CDs mune imwe nhoroondo yeIRA.
A Common Fixed Rate Rate Annuity Ladder Ive Ichange iri 3-, 4 uye 5-Year Year.
Somuenzaniso, kana waive ne $ 300,000, iwe waizoisa $ 100 000 mumakore matatu, makore mana nemakore mashanu akashandiswa-annuities. Izvozvi marudzi e annuities akachengetwa haana mari uye chibereko chinogadziriswa. Sezvo mari inouya nekuda kwekupedzera kupiwa kwayo nguva , iwe unogona kutora mari yakazara nekubhadhara mitero kune chidimbu, kana iwe unogona kuitumira kune rimwe rimwe annuity uye unoramba uchitarisa mitero.
Chii Chine Mikana Yakasanganiswa?
Iko yakasanganiswa-yakasimudzwa iyo inosanganiswa neFixed Rate Annuities (MYGAs) uye Fixed Indexed Annuities (FIAs), uye ine mukana wekudzoka kwakakwana zvakakwana pamusana pehuwandu hunotsanangurwa hunoita chikamu cheFIA chemazera.
Chii Chinonzi Fixed-Index Annuity, kana FIA?
Inotumidzwa zvakare sewe indexed annuity. Izvi zvinowanikwa zvakakwana zvakachengetedza mukuru wako, asi anewo chikamu chekukura chinowanikwa kune imwe sarudzo pane imwe nhamba (kazhinji S & P 500). Indexed annuities yakatangwa muna 1995, uye yakagadzirirwa kukwikwidzana neCD inodzoka.
Kuda Kwemari Kwekuwana Mari Icho Chinhu Chimwe Chetsva Idzva
Zvizvarwa zvekutanga zvakasvika (sekutanga nguva dzevaRoma) senzira yekupa mari yakawanikwa. Kunyanya kushandiswa kwemari kune mari kunogona kugadzirwa nenzira dzakawanda. Ngatitarisei nezvemakore maviri e annuity ladders anopa mari inoramba ichiwanikwa:
Iyo annuity Lifetime Ladder inoshandisa SPIAs
Upenyu Hupenyu Husingaperi hunosanganisira kutenga Premium imwechete Annuities Immediate (SPIA) pane imwe nguva. Izvo urongwa hwakagadzirirwa kutora mhindu yemari kana ichikwira (tarisiro), pamwe chete nehupenyu huripo hwekudzorera (mubhadharo) kuderera nenguva. Heano muenzaniso wakajairika: Munhu ane $ 500 000 anoda kuvimbisa hupenyu hwehupenyu hwose, asi ane hanya kuti chido chekufarira chiri pasi uye kuti angasimuka munguva yemberi.
Antime Life Ladder ingangosanganisira kutenga $ 100,000 Single Premium Immedate Annuity (SPIA) gore negore kwemakore mashanu. Kunyange kana mutengo uchiramba uri wakafanana panguva iyoyo, zvikwereti zvinotevera zvichave zvakakwirira zvichienderana nemakore ekudarika panguva yekutenga. Kana zvikwereti zvichikwira mubhadharo zvichave zvakanyanya.
Target Date Stairstep Ladder inoshandisa DIAs
Urwu urwu hwomukati hunosanganisira Matongerwo Emakore Anoremekedzwa (aka Deferred Income Annuities - DIAs), uye kutanga mapeji panguva dzakasiyana-siyana. Target Date Stairstep Ladder urongwa hunowanzoshandiswa kurwisana nehutengo hwemangwana kuburikidza nekuita mararamiro akasiyana-siyana emararamiro anowanikwa mumazuva anotevera mamwe mazuva. Muenzaniso weizvi unogona kuva wemakore makumi matanhatu nemakore makumi mana nemazana mana emadhora akapiwa kuchengetwa kwemazuva ano. Zvikamu zvina zvakasiyana-siyana zvemakore akawanda (Annasities Annuities) (DIA) zvaizotengwa, pazera remakore 65, 70, 75 uye 80.
Annuity mari inonyanya kukoshesa kutarisira kwoupenyu hwako panguva iyo ruzivo rwekuwana hunoenderera mberi , kuitira kuti iwe uwedzere kubhadhara mari inowanikwa yakakwirira. DIA yega yega inotevera ichabhadhara pamutengo wakakwirira