Zuva reMakore akawanda zvakapoteredzwa uye zvakatengeswa muzvikamu zvose zveIRA uye zvisiri zveIRA kubva muna 2004. A ton yevatengi vangu vatova ivo pachavo mune ramangwana rezvakadiwa zvinowana mari.
Kungofanana nekuti annuity inonzi "Longevity Annuity" hairevi kuti inozivikanwa seQLAC. Izvi zvakakosha zvikuru kuziva, uye ichava nheyo yekuvhiringidzika sezvo QLAC hurongwa huri kukura mukuzivikanwa.
Kana iwe uchitova nemakore akawanda, haugoni kuiswa zvakare se QLAC. QLAC inoratidzika rudzi rwakasiyana rwehupenyu hwemakore akawanda hunogona kushandiswa mumagadzirirwo anodiwa akaita se 401k kana Traditional IRA. Zvekare kuti QLAC isati yawanikwa, kana iwe waiva neCreditous Annuity contract mukati meIRA, vatakuri vakawanda vaida kuti iwe uise mari yekusvitsa mushure me 70 ½, uye usingaiti kunyange zvido zvepfuura makore iwayo.
Chii Chinonzi Annuity Remakore?
A Year Overall Annuity is annuity yakagadzirirwa inotsigira ruzivo rwemari yeramangwana pazuva raunotsanangura kuti utange mahomwe. Inowanzonziwo Deferred Income Annuity (DIA) . Mimwe mikorodzano yeLongevity Annuity (DIA) inokubvumira kuti iwe ureve shoma semakore maviri, uye kwenguva refu semakore makumi mashanu. Pakutanga kubudiswa muna 2004, Zuva reMakore Ane Makore zvakatanga kuve yakakurumbira mumakore mashomanana apfuura sechinhu chisina kutsvaga kune vanotasva mari inowanikwa kune annuities yakarondedzerwa seyakasiyana uye yakanyorerwa annuities.
QLACs ine muganhu wekutanga we 25% yako yose yeIRA yefa kana $ 125,000, chero zvishoma. Somuenzaniso, IRA yakawanda yemadhora 500 000 yaizobvumirwa kutenga $ 125,000 QLAC uye inoshandura chikamu ichocho chemari inotevera. Vanhu vanogonawo kushandisa Kumiriyoni Annuities (DIAs) kunze kweIRA yavo kana mari yakagamuchirwa yemangwana pamusoro pematunhu aya anodiwa.
Nevasiri ivo vanofanirwa (kwete-IRA) DIAs, hapana kumira kwepamberi. Mukubatana neQLACs, DIA inogona kuderedza chero zvikwereti zvekuwana mari zvingave zvaunogona uye zvinokwanisa kubatsiridza Social Security nemari yekubhadhara mari .
Chii chinonzi QLAC?
Mutemo chaiwo unotsanangura QLAC seChipatimendi Chekufanirwa Kwemakore Anokodzera. Kazhinji ivo vanonzi vanofanirwa. Tsamba yakakosha ye QLAC yakanyorwa ndeyekuti "Q" iyo inomiririra kukodzera. Izvi zvakashandiswa kune mamwe mabhuku ekurega basa uye inokubvumira kushandisa QLAC kuti ureverere makore makumi manomwe nemakumi matanhatu nemapfumbamwe uye kusvika kusvika kune makore makumi mashanu pane chirongwa chako chakanaka.
Ko QLAC inoshandiswa sei inoda kugoverwa zvishoma kubva kuMutambo IRA?
Kunyatsotarisa 70 ½ yapfuura zvakakosha nekuda kweMIRS Inodiwa Minimum Distribution (RMD) mitemo inokuita kuti utange kutora mari kubva muIRA yako pazera remakore makumi manomwe nemakumi mashanu. QLACs inogona kukanganisa mitero pamamato ako eDM nokuti iwe uchange uchitsigira iyo kuverenga pane mari yakasara. Mumuenzaniso wepamusoro, pane kutora RMDs pa $ 500,000, iwe unenge uchiita maMMD ako kuverenga pa $ 375,000. Ichocho chakasiyana zvikuru, uye chinogona kureva kukosha kwekubhadhara mutero kwenguva.
Zvakaoma kuwana QLAC?
QLACs ichine mapepa ekushanda chaiwo uye iyo purogiramu icharatidza kuti chigadzirwa chinogamuchirwa pasi pekutonga kweQLAC.
Izvi zvakakosha zvikuru kuti mutengi azvinzwisise zvizere vasati vatenga, uye kuti vaonekwe pamutemo wekutumira.
Chenguva refu gore rinoshandiswa muQLAC. Hapana annuities yakasiyana-siyana kana yakanyorerwa!
Pasi pekutonga kweQLAC, kungove kwenguva yakareba goreuity (DIA) yakagadzirwa. Annual annuities and annuity index annuities ARE NOT recognized as QLACs, to the dismay of commission drivers . Aya ndiwo mashoko akanaka kune mutengi, nokuti zvakasiyana nemataurirwo akadai akasiyana uye anogadziriswa annuities, kurarama kwemakore akawanda hazvive nezvikamu zvinofambisa, pasina mari yegore negore, zviri nyore kwazvo kunzwisisa, uye zvinogona kutsanangurwa zvizere uye zvinonzwisiswa nemwana.
Saka kana iwe uchienda kunotenga QLAC kuti uise muHindu yako IRA, bvunza QLAC nezita. Tsvaga QLAC. Kunzwisisa QLAC. Gamuchira ruzivo rwehupenyu hwese kubva kuQLAC yako!