Simba reSSPIA: Upenyu neIndaneti Refund

Single Premium Immediate Annuities (aka SPIAs) inzira yakanakisisa yekubvumirana nemvumo yekuwana mari yausingazomboperi. Vanhu vakawanda vanoti izvi zvinogadziriswa nokuda kwe "nguva yakareba yengozi ." Sezvo maRoma Times, SPIA dzakashandiswa semishonga yemhando yepenjeni uye ndiyo ndiyo yega ye annuity yakatengeswa munyika ino kusvikira muna 1952. Mumwe angati sezvo muna 1952, iyo indasitiri yekodhi yaenda kudzika-tsika nemashoko akaoma uye asingatenderwi kutengesa shoko uye iye zvino kune makore gumi nemashanu anopfuura annuity.

Izvo zvingadai iri nyika iri nani kana SPIA ndiyo yega yega annuity mtundu inowanikwa. Ngatidzokerei kuma1950!

Chimwe chinhu chisingazivikanwi pamusoro peVSPIA ndechokuti kana iwe uine imwe uye wobva wafa musati yasvika pakubvumirana iyo yakaipa yekambani yakachengetedza inoita kuti mari uye ichi ndicho chikonzero ivo vane zvivakwa zvikuru. Zvinonzi vanhu vari kutaura nezveSSPIA yakarongeka "Upenyu Chete." Zvisinei, kune nzira dzinopfuura 15 dzakasiyana dzekugadzirisa zvibvumirano zvekubhadhara kweSSPIA uye "Life Only" ndeye chete .

Vanhu vazhinji vakashanda zvakaoma zvikuru kuchengetedza uye kuunganidza mari yekurega basa, saka vazhinji vevanhu havanzwi vakasununguka nehupenyu hwe "Life Only". Vanhu vanoda ruzivo rwekuwana mari, asi vanoda kuve nechokwadi kuti mari yose ichaenda kune avo kana mumwe munhu mumhuri yavo. Izvo zvinonzwisisika kune vakawanda vanoshanda nesimba veAmerica vari kutsvaga mari yakawedzerwa yekuwedzera yavo Social Social payments kana kubhadhara mari yekubhadhara mari (kana yakafara).

Pane nzira yekugadzirisa zvibvumirano mari yose yepakutanga. Iyi sangano reSSPIA inonzi "Upenyu neKugadzirisa Kwemari".

Ita yako SPIA Cake ... .. uye Chikwata Chekudzorera Kwazvo!

Kune vanhu vanoda mari yekuwana mari, asi vanoda mari kuti varambe vari mumhuri, sarudzo yakakurumbira yekugadzirisa inonzi SPIA inonzi "Upenyu neMari Yekubhadharwa."

"Upenyu neMari Yekubhadharwa Kwemari" inopa zvikwereti zvakanyanya kupfuura zvose zvehupenyu, asi unobvumiranawo kuti 100% yepakutanga inotangira inowanikwa kune mumwe munhu mumhuri yako, kana kuti mumwe munhu anonzi anobatsirwa. Chimiro chacho chinosimbisa mararamiro ehupenyu hwose, pasinei nekugara kwenguva yakareba sei. Kana iwe uchirarama kusvika 150 kana kupfuura, kambani ye annuity iri pachikwangwani chekubhadhara. Icho ndicho chibvumirano chinobatsira cheSIA chirongwa.

Yeuka, kana iwe ukapfuura nguva isati yasvika pachibvumirano, chero mari yakasara mubhuku rako re SPIA ichapiwa muhomwe yekubhadhara kune vanoverengeka varipo kusvikira mari yapera. Yakawanda yekambani haina kuchengeta penny.

Kana iwe ukaronga chirongwa cheSSPIA "Upenyu huri pamwe chete neKugadziridza Kwekubhadharwa Kwemari", kubatana kwekugadzirisa inowanzova mudzimai wako. Muchiitiko ichi, kana umwe wenyu apfuura, ruzivo rwekuwana mari runoramba ruchidzivirirwa uye husina kuchinja hupenyu hwomumwe wako anenge aripo. Apo muparadzi anenge ari mupenyu anofa, chero mari yakasara muAIDS yeSIA inoparidzirwa mufomu yekubhadhara kune vanoverengerwa vanoverengerwa kusvikira mari yapera. Kamwe zvakare, kambani ye annuity haina kuchengeta penny.

A SPIA ndiHupenyu Husingatarisiri Bet Iyo Inogona Kuramba Ichibhadhara

Uine "Upenyu neImari Yekubhadhara" SPIA sangano, uri kuita tarisiro yehupenyu kutarisa nekambani inobvisa annuity.

Ivo vari pachikwangwani chekubhadhara pasinei nekugara kwenguva yakareba sei.

Zvisinei, kana iwe kana mudzimai wako muchirarama kwenguva yakareba yekutarisira hupenyu hwako, hapazovi nemari yakasara mubhuku reSPIA. Yeuka kuti kubhadhara kweSSPIA kusanganiswa kwekudzoka kwepamuyamu uye kufarira, uye kunobva paupenyu hwako hwekugara (s) panguva yaunotanga muganhu wekuwana. Kunyangwe kana nhoroondo yako yeSSPIA iri zero madhora ... iwe ucharamba uchiwana kubhadhara kwako.

Vanhu vazhinji vakave nemabhuku avo eSSPIA kwemakore anopfuura gumi vachiri kuwana zvikwereti. Iye zvino ndiko kutengesa njodzi!

Paunokumbira chirevo cheSSPIA kubva, bvunza zvose "Upenyu Chete" uye "Upenyu neZvipfeko Zvokubhadhara" zvinyorwa kuitira kuti uone kusiyana kwekubhadhara pakati pezviviri. Nevaya 2 mapeji, inofanirwa kuve yakakwanisa kuudza SPIA kutenga chisarudzo.

Dzvanya pano kuti uverenge pamusoro pezvimwe Zviwanikwa zveNyika zvino