Kana iwe uchida kukura kubva kunekutsvaga, iwe unofanirwa kutarisa michina isingabhadharwi. Zvipfeko zvinorudzi rwehushuwarisi, kwete ruzivo rwekutsvaga. Ndeipi nzira yangu?
Ingoshandisa sarudzo yePILL kuti uone kana iwe unoda annuity.
An annuity haisi yevanhu vose. Haasi uwandu humwe hunoenderana nezvose panacea michina, kunyange zvazvo ndiyo iyo iyo inowanzoshambadzirwa. Zvipfeko ndezvokutengeswa kwezvinhu zvinotapira zvinogadzirisa zvimwe zvinhu. Mu annuity yangu yenyika, annuities inongogadzirisa zvinangwa 4 chete:
- P kudzivirira kuchengetedza
- Ini ndinorumbidza upenyu
- L kufanana
- L ong term care
Izvo zviri nyore kuyeuka chirevo ndeye PILL Shandisa chirongwa ichi chePILL kuti chikubatsire kusarudza kana annuity inogona kukubatsira iwe kutumira dambudziko. Ndeipi ngozi? Dambudziko rekubuda kunze kwekuwana mari yako, pangozi yekurasikirwa nemari mumusika, njodzi yekubuda kunze kwemari nekuda kwemari yekuchengetedza utano, kana mukana wokusava nechimwe chinhu chakasara kubva kune mumwe wako kana vamwe vanobatsirwa.
Apo ini ndikati "kutengesa dambudziko", izvo zvinoreva pane nzvimbo iwe uine njodzi yekugadzirisa imwe yezvinetso izvi, iwe uri kupa iyo iyo mhiko zvakakwana kune bhuwarisi. Iwe uchabhadhara nekuda kwezvibvumirano zvekubvumirana zvekugadzirisa nekuda kwezviitiko izvi, uye zvingave zvakakosha kana zvichienderana nemafungiro ako ezvemari pamwe nehutano hwako hwehutano husina kunaka.
Kudzika kwakadzika kupinda muchirongwa kuchajekesa kushandiswa kwemari kunogona kuva chikamu chepodfolio. Kazhinji, annuities yakagadzirirwa seSIA, DIA, MYGAs neQLACS inoshanda zvakanaka kugadzirisa nokuda kwezviitiko izvi. Izvo zvisiri nyore nechepasi mitemo yekutengesa, kazhinji isina mari inoenderera gore rose zvakare. Nezvimwewo, kushandiswa kwakasiyana-siyana uye kunyoreswa kunopedzerwa sepancake paMukomana weScout breakfast. Kazhinji kutengeswa senzira yakanaka yekuwana kudzoka kukuru kubva pamusika usingatambudziki. Ndinovenga kuputsa iyo kune vose vanowa nekuda kwekutsvaga fiasco, asi annuities haisi imwe yemashiripiti yemari yakashambadzira inopa zvinoshamisa ROI. Ngationei ichokwadi vanhu!
Zvizvarwa zvakanaka kune zvimwe zvinhu!
Principal Protection
Kudzivirirwa kwemashoko kunonyanya kufananidzira. Kana iwe uchida kuisa chokwadi chokuti hausi kurasikirwa nemari, uye unoda kurega mitero kune zvaunowana mune imwe nhoroondo yeIRA, ipapo iyo yakagadziridzwa yero ye annuity inogona kunge iri sarudzo yakanaka kwauri.
Mari yeHupenyu
Paunenge uchitsvaga kutenga kwegore, iyo yekutanga kutengesa kwehuwandu hwevanhu vakawanda vanoda kugadzirisa iyo ndeyekuwana mari. Izvi zvinotsigira mari inogona kutanga pakarepo kushandisa Mapato Mazano Ezvino , kana Kuwana Pakupedzisira Mazano anogona kukubatsira kugadzirira kugamuchira mari mumugwagwa musi wakatarwa.
Nhaka
Nhaka inogona kurondedzerwa seicho chaunosara kune vagari venhaka kana vanowanikwa. Dzimwe annuities zvinogona kupa kukurudzirwa kukura kwezviyero zvinogona kushandiswa sehufumi rwekufa hunoenda kune vagari venhaka kana vanobatsiri sechikamu chenhaka yako kwavari. Inishuwarenzi yehupenyu ichiri chibereko chakanakisisa chenhaka panyika, asi kana iwe usingagoni kukwanisa kuwana chigadzirwa ichocho, zvino annuities neinobatanidzwa nerufu kufa mutasviki akanaka.
Nguva Yenguva refu Kuchengetedza
Nguva Yenguva refu Kuchengetedza kunetseka kwevana vakawanda vese vana vakwegura nevakuru nekuda kwemari yazvo uye mari inogona kugadzirisa nhengo dzemhuri. Nzira yekuchengetedza kwenguva yakareba (kwete annuity) ndiyo ndiyo yakanakisisa yekugadzirisa, asi kana iwe usingagoni kukwanisa kugadzirisa urongwa uhwu, iyo nguva refu ye Long Term Care annuities inogona kutarisa kutarisira kwenguva refu kubva pakuendeswa kwemaonero ematambudziko.
Annuities Haasi Imari Miti
Ndinotenda kuti annuities haisi yekukura kwemiti, iyo inopesana nemaonero evanhu vakawanda vanotengesa annuities. Zvinosuruvarisa, huwandu hwemari yekutengeswa inotengeswa inoshandiswa uye yakanyorerwa annuities. Zhinji dzinotengeswa pasi pekufungidzira kwenhema kuti marusi ekudzoka marota achazadzika. Icho hachisi kumboitika.
Annuities Variable
Zvinyorwa zvinoshandiswa zvinoshandisa izvo zvinodanwa kuti zvikamu zvakasiyana (aka mutual funds) nokuda kwekukura kwavo, asi inowanikwa gore negore mari yekushandura annuity inosvika 3% uye inopomerwa hupenyu hwematongerwo enyika. Mukuwedzera, kushandiswa kwekushanduka kwakasiyana kunosarudzwa kusarudzwa kwekutsvaga. Kubatanidzwa kwemari yepamusoro yegore negore nekusarudzwa kwekutsvaga kwekutsvaga hazvienzaniswi nekukura kwemashamba mumafungiro angu. Kana iwe uchida kukura kwemashamba uchishandiswa pamwe chete nemari, saka enda kuenda kutenga mari pamwe chete. Iwe zvirokwazvo hausi kuda annuity yakasiyana yekuita izvozvo.
Announcements Indexed (aka: Fixed Index Annuities)
Indexed annuities ndiyo chigadzirwa chinopisa chezuva racho, uye izvo zvingangodaro zvinokandwa kana iwe uchienda kune imwe nhengo yekudya yekukudya yemabiko, kana kutsvaga mhirizhonga paIndaneti. Vashandi havazovatumidza kuti "hybrids" kukuita kuti unzwe sokuti iwe uri kuwana chimwe chinhu chinoparadza (kwete!), Uye kurota kunotengesa kunodzivirira kunononoka nemusika kumucheto. Ichokwadi chechigadzirwa ndechokuti annuities yakarongerwa yakagadzirirwa kukwikwidzana neCD inodzoka, uye ndizvo chaizvo zvavakaita kare kare. Zvakare, kana iwe uchida chinyoreso chekudzoka, dzoka utenge chairo chenyore mutual fund. Indexed annuities inogumira kumucheto, uye iwe unogona kungovhara muzviwanikwa (kana pane) zuva rimwe chete pagore. Izvo, shamwari yangu, haisi muboka rimwechete sehurukuro mutual fund. Nzira iyo yandinoshandisa annuities yakanyorerwa ine vakanamatira vatasvi vematarenda emangwana kana kuti chinangwa chekuwana mari yekugadzirisa, uye chete nekuda kwezvibvumirano zvesungano. Zvikwereti zvakanyatsorongwa: Zvakanaka Zvakashata uye Ichokwadi ichava nyama kunze kwechokwadi chakashata pamusoro pekunyorerwa annuities. Indexed annuities vanodzikinura unhu kana vakachengetwa zvakanaka mukati mehutorikoti, zvekuti, annuities indexed yakagadzirirwa kukwikwidzana nekudzoka kweCD .