Upenyu-Chete, Huzano-Hupenyu, neHome Some
Upenyu Hurimi Kwemamwe Chekuita
Upenyu-chete huripo hunoenderera mberi chero bedzi iwe uchirarama - asi mira pakarepo paunofa. Kunyange kana iwe ukararama makumi mana kana makumi mashanu makore ekubhadharwa kwakachengetwa achaenderera mberi, zvichipa kambani ye inshuwarisi inogara mune bhizinesi.
Kuchenjerera: Kana ukasarudza choga choga cheupenyu, uye ukapfuura gore rimwe gare gare, kambani ye inshuwarisi haina kudzorera zvakasara pane mukuru wako kune vagari venhaka yako kunze kwekuti iwe wakasarudza kusarudzwa kwekubhadharisa, izvo zvinodhura zvakawanda. Izvi zvinouyisa hupenyu-chete annuity zvipo chisarudzo chakanaka chemasles asina vana, asi kwete chisarudzo chikuru kune vakaroorana.
Zuva roga roga remakore rinokonzerwa nehupenyu huchaita kuti pave nepamusoro-soro yemari yekuwana mari pane yekubatana-nguva yehupenyu.
Joint-Life Annuity Payments
Kazhinji kune vakaroorana; joint-life annuity payments zvakagadzirirwa nenzira imwecheteyo sehupenyu-chete, asi mari ichaenderera chero bedzi mumwe wavo ari mupenyu.
Kunyangwe iwe uchanowana mari yakaderera pamwedzi pane yega yega yega-sarudzo, hutano-hupenyu annuity option inoita kuti mari inopfuurira mberi kune mudzimai anoramba aripo.
Zvizhinji zvezvirongwa zvepenjini zvinopa kuchinja kwekubatana-hupenyu huripo, izvo zvinokubvumira kuti urambe uripo 50% yebatsiro, kana kuti 75% yezvakabatsire kumudzimai anoramba aripo, panzvimbo ye 100% yekubatsira.
Iyi sarudzo inogona kushandiswa kana mumwe wako aizoda chikamu chemari yako yepensheni paunenge wafa, asi kwete yose.
Kana ukasarudza 100% yebatsiro rekuenderera kumudzimai anoramba uripo uchawana mari shoma pamwedzi pamwedzi kupfuura iwe kana ukasarudza 50% chete kuti urambe uchienda kune mumwe wako.
Kana iwe wakaroorana uye uchida kuita sarudzo pamusoro pekuti mari yako yepenjeni ichabhadhara sei, iva nechokwadi chekudzidza vose vanogara muhomwe mari dzinobatsira dzakapiwa kuti vazive nezvezvinhu, zvikomborero, uye zvipingamupinyi.
Nguva Yakaitwa Kwemamwe Makore Okubhadhara
Gumi remakore gumi gore rimwe annuity payout rinoreva kuti kubhadhara kunoratidzwa kuti kuve kwakagadzirwa kwemakore gumi. Kana iwe waizopfuura mugore rokutanga, mari yako yaizoenderera mberi kune iwe anonzi aizowana mubhadharo kusvikira makore gumi kubva pakubhadhara kokutanga apfuura.
Mushure memakore gumi ekutanga, kubhadhara kunomira. Nguva yakagadziriswa yedzimwe nguva inogona kuva nzira yakanaka yekupa mari muzviitiko apo iwe une chikamu chechipiri chemari iyo inotanga pane imwe nguva inotevera.
Somuenzaniso, ngatiti iwe unotora pamba pa 60, asi yako yepenjeni rubatsiro haizotanga kusvika makore 65. Unogona kufunga kutenga mutengo wemakore mashanu gore rimwechete kuti uwane mari yemakore mashanu ari pakati pemakore 60 nemakore 65.
Nguva yakakwana yokubhadhara inogona kuvawo chisarudzo chakanaka kumudzimai wechidiki apo zvinenge zvichida kuti ivo vachave vakapfuura nguva refu; iyo izwi rinopikira rinopa kumwe kuchengeteka kumurume mukuru mukuru kana zvichida kana vaduku vachifanira kupfuura pakutanga.