Funga nezvemitero usati wasarudza kuzvipira kana kuchinjana gore rinenge rakasiyana.
- Kana iri IRA, iwe unogona kuzviisa pasi, kana kuitumira.
- Kana iyo isiri IRA, unogona kushandisa shanduro ye1035, kana kuipira.
- Kana iri mari yegore, iwe unotora mumwe munhu kuti atenge iwe.
Sarudzo imwechete uye mbiri pamusoro apa inoshandiswa kune annuities dzisiri kubhadhara mari pamwedzi. Sarudzo nhatu inoshanda kana annuity iri kubhadhara mari. Hezvino nzira imwe neimwe yezvizvi zvingasarudza.
Kubuda kunze kwekugariswa kwegore kana iri IRA kana Retirement Account
Kana iwe une variable variable annuity iyo iri mukati memari yeIRA iwe unogona kungotora mari yako kubva kune variable annuity uye kuIRA yenguva dzose kubhangi, mutual fund kambani, kana kambani yekudhinda. Sezvo mari yacho ichiri mukati meIRA wrapper, inonzi inotorwa kana rollover, uye hapana mutero unokonzerwa nekutengesa. Ngwarira; dzimwe annuities dzinopomerwa mhosva dzinogona kupera kusvika kumakore gumi nemashanu kubva pazuva raunotenga. Usati wanyora kana kuchinjana chero shanduko ye annuity, chengetedza chero mari ipi zvayo inogona kushandiswa. Kana kuzvipa mhosva kuri kukwirira asi kuchave kwakaderera mumakore mashomanana, zvingava zvakanaka kumirira makore mashomanana usati wapfuurira IRA yako annuity kune imwe nhoroondo.
Tichifunga kuti hapana kuregererwa mhosva, kana kuti yakaderera (2% kana pasi) saka mumatambudziko mazhinji nekusvitsa annuity yakasiyana mukati meIRA kune imwe nzvimbo yehuwandu yemari , iwe unogona kuderedza mari yako kubva pa2% - 3.75% gore kusvikira pasi .50% - 1% pagore.
Izvi zvishoma zvinowanikwa zvinokonzerwa zvinogona kuita kuti pfuma yakawanda iwedzere nguva. Kana iwe unogona kuderedza mari ye 2% pagore pamari ye $ 100,000 inotengeswa. Iwe uchaponesa zvakanaka kupfuura $ 20,000 kupfuura makore gumi.
Kubuda kunze kweAnhuuity HASI IRA
Kana iwe uine shanduro annuity iyo isiri mukati meIRA kana imwe yerusa rekurega basa yakadai sa 403 (b), usati warega annuity, nokuda kwezvinangwa zvemitero, iwe uchada kuziva kana annuity yako ine pfuma kana kurasikirwa.
Kuti uite izvi, kutanga, iwe uchada kuziva yako annuity's cost basis. Nheyo dzinodhura ndiwo mari yakawanda yaunoshandisa mu annuity. Kana iwe usingazivi nheyo dzinodhura, dana nhamba yebasa revatengi pane zvinyorwa zvako uye bvunza. Zvadaro, enzanisa mararamiro ako kubva kune zvakakosha zvino zve variable yako annuity.
Kana pane pfuma - Kana annuity yako iine pfuma, uye iwe uine mari mukati megore, iwe uchabhadhara mitero yemari yemari pamutengo upi zvake. Kana pane ruzivo rwakakura mu annuity yako, panzvimbo yekubhadhara mu annuity, unogona kuitsinhanisa (inonzi 1035 kushandiswa) nokuda kwekune-load load annuity ine mari shoma. Vanguard, somuenzaniso, anopa yakaderera mari yakakwana annuity. Kana yako annuity ine pfuma shoma, iwe unogona kuda kutenga mari mu annuity uye kushandisa mari yekuisa mari mune dzimwe nzira dzakaderera dzekubhadhara nekuzarura mutero wekutengeserana kana wekwereti yekwereti.
Kana pane kurasikirwa - Kana iwe ikozvino kukosha kwekushandura kwako annuity kwakaderera kudarika zvinodiwa, iwe une kurasikirwa. Kana iwe ukarasa annuity, unogona kukwanisa kurasikirwa kuti kurasikirwa pamutero wako wekudzokera. Ngwarira kuregera shanduko yakasiyana-siyana inorasikirwa, sezvinoitika mumatambudziko aya rufu rwekufa kwegore rinogona kunge rakaenzana nemari yako, saka nekuregesa annuity; iwe unenge uchitaura pane imwe nzvimbo yekubatsira rufu.
Kubuda Kubva Imari Yakawanikwa
Mari yekuwana mari ndeyegore rekubhadhara kubhadhara mwedzi mumwe nomumwe kwauri. Uyu rudzi rwe annuity inogona kuva yakaoma kubuda. Iwe unofanirwa kuwana mumwe munhu kuti aenzanise kuti chii chinoenderera mberi chekubhadhara chikwereti chakakosha, uye kukupa iwe chiyero chemari. Inotumidzwa sekugadziriswa kwakagadziriswa. Vashandi Vezvinhu Vanopa mutsamba yemakambani akakurumbira kuti ataure kuti atenge annuity yako. Bata maverengi vasati vasarudza pamusoro pekupa.
Zvimwe Zvinhu Zvokufunga nezvazvo
Zvikwereti zvibvumirano nekambani yemishuwarenzi. Dzimwe annuities dzinovimbisa imwe nhanho yekubvisa mari. Iva nechokwadi kuti iwe unonzwisisa zvose zvinotarisirwa usati wabuda kubva kune annuity. Iwe unogona kunge uri kubvisa inshuwalisi yekubatsira iwe wausingazokwanisi kutora. Kana iwe uchinzwisisa zvikomborero, uye hazvikoshi kwauri, zvino kubuda kubva kune yako annuity kunogona kunge iwe nzira yako yakanakisisa yekuita.