Ngationei Kuti Inoshanda Sei
Annuity arbitrage inosanganisira kutengwa kweMutengo Wokutanga Wokutanga (SPIA) uye Inishuwarenzi yeUpenyu hweUpenyu panguva imwecheteyo. Chimiro che annuity chinogona kuva hupenyu humwe chete kana kubatana nemudzimai, nehushandi hwehupenyu hweinishuwarenzi huri kutorwa pamurume. Zvakakosha kugadzirisa zvose annuity uye inshuwarisi yehupenyu hwehupenyu huzhinji, naizvozvo zvakakosha kunyatsonzwisisa mumwe nomumwe.
Chii chinonzi SPIA, kana Kuti Chekutanga Chimwe Chenguva Dzakawanda?
Imwe yekare kare yemari yekuwana mari yakasununguka ichiri yakanakisisa uye inopa mukana wepamusoro wekutengesa kwekodhidhi yemhando ipi ye annuity. SPIA ndeyekutsvaga kwakachena kwezvirongwa zvepenjeni zvinogona kugadziriswa nokuda kwehutano hwehupenyu hunoponesa, mari pane imwe nguva, kana kusanganiswa kwezvose.
Ndinokurudzira kuisa iyo annuity nemumwe wako (aka joint annuitant) kuitira kuti mari yakagadziriswa iwane hupenyu hwose. Chipo chepamusoro chekubhadhara chibvumirano chichagadzirwa se "Joint Life Only." Kana uchida kuve nechokwadi chokuti 100% wekutanga mutungamiri achaenda kune mumwe munhu mumhuri yako apo vose murume nomudzimai vanofa, saka hurongwa hwepamusoro huchaita " Upenyu neInstitution Refund "kana kuti" Upenyu neCash Refund . "
Single Premium Immediate Annuities haina mari, uye COLA (Mari yeHupenyu Rokugadzirisa) kuwedzerwa kwegore negore kunogona kuvimbiswa nechibvumirano panguva yekushandiswa. Mipiro yeSPIA inogona kutanga nokukurumidza mazuva makumi matatu kubva panguva iyo mutemo wacho wakabudiswa, asi iwe unogonawo kutarisa kusvika kune gore zvakare.
Ndeupi Mararamiro AInishuwarenzi Anoshanda Ne "Annuity Arbitrage" Strategic?
Ndinogara ndichiudza vanhu kuti inshurensi yehupenyu ichapa zvakanakisisa kudzokera kune utsva iwe usiri kuzoona.
Zvitore? Iwe wakafa, asi vako vanobatsirwa vachakuda nokuda kwekutora inshuwarisi yehupenyu.
Iyo chete inogona kugadziriswa ne inshuwarisi yehupenyu ndeyokukodzera iyo. Kuti uwane inshuwarisi yehupenyu, unofanirwa kupfuura nepurogiramu yekunyora pasi inosanganisira muviri, kuongororwa kweropa, uye kuongorora kwakakwana marekhodi ako ezvehutano. Izvi zvinogona kutora nguva, uye kushivirira isimba panguva yekunyorwa kwepurogiramu yako. Handitengesi yveshuwarisi yehupenyu (kureva Stan The Annuity Man), asi ini ndine rondedzero yokuti iwe unofanira kutenga zvakanyanya kufirwa nekufa pamwe chete nemari shoma sezvinobvira. Izvo zvakanaka chaizvo zvinotsanangura izwi remishonga inshuwarisi yehupenyu. Zano rangu nderokutenga izvo zvinonzi "level term" izvo zvinosimbisa kuti premium haigoni kuchinja. Ndinokurudzira kuvhara muzvikwereti izvi zvepamusoro kwenguva yakareba sezvinobvira, kufanana nemakore makumi mapfumbamwe kana kupfuura.
Kana pasina hupenyu hwe inshuwarisi , saka hakuna gore rinogadzirisa arbitrage, saka mumwe wevakaroorana anokwanisa kukodzera inshurensi yehupenyu inokosha.
Ndezvipi Zvakanakira "Annuity Arbitrage" Strategic?
Iri sarudzo rinoshanda chaizvo nokuti zvose zvingabvumirana zvinopihwa. Kunyange zvazvo "annuity arbitrage" inowanzogadziridzwa zvizere, pasi apa inowanzogadziriswa uye inobatsira:
- Chimwe Chekutanga Chimwe Chenguva Imwe Chete (SPIA) inotengwa muhupenyu huri pamwe chete kuitira kuti mararamiro ehupenyu hwose ave nechokwadi kune hupenyu hwose.
- Inishuwarenzi yehupenyu (zvichida upenyu hwehupenyu) inotengwa kune mumwe wevakaroorana, kazhinji murume, sekuwanda kwavo vanowanzofa kutanga. Nhamba yekubhadhara rufu inogona kugadziriswa panguva yekushandiswa, pamwe chete nemwedzi wepamwedzi kana wegore wekuda unoda.
- Ikopa yePASI inowanikwa inodiwa inotarirwa kuitira kuti ruzivo rwekuwana kubva ku annuity rufukidze premium yehupenyu yehutano chero bedzi muvakidzani wehutsigiti ari mupenyu.
- Pamusoro pekufa kwemudzimai akachengeteka, kufa kunobatsira kubva kune inshuwarisi yehupenyu huri kutora mutero kusina mutero kune vanoverengerwa vanobatsirwa (kazhinji mudzimai).
- Nzira yehupenyu hweSPIA yekuwana mari inopfuurira inopfuurira isinganzwisisiki kumunhu anoramba aripo, uye vanogamuchira rubatsiro rwekufa rusina mutero kubva kune inishuwarenzi yehupenyu pamwe chete kana ivo vari ivo vakanyorwa vanoverengerwa pamutemo.
Kune dzimwe dzakawanda dzimwe shanduro dzesangano dzinoshandisa huwandu hwekuwedzera zvibvumirano zvechibvumirano. Zvisinei, iyo annuity arbitrage urongwa hunotsanangurwa ndiyo yakakurumbira uye yakawanda. Zvichida chimwe chinhu chingaita basa rako.