Zviwanikwa zvinouya mumarudzi akawanda. Hezvino izvo zvaunofanira kubvunza usati watenga
Usati watenga gore raunoda kuziva kuti sei uri kutenga, uye chii chaunotarisira kuti chiite kwauri. Shanda kuburikidza nemibvunzo mishanu iri pasi apa kuti uone kuti annuity yauri kutenga yakakodzera iwe.
1. Ndechipi Chinyorwa Chekuita Kwemari Uri Kutenga?
Kune marudzi mazhinji e annuities.
Mhando dzakawanda dzinowanikwa pakarepo zvinokonzerwa, annuities yakarehwa, uye kushandiswa kwemakore. Iko kunewo zvakagadziriswa annuities uye kuenzaniswa zvakakonzerwa annuities. Rimwe nerimwe rinoshanda zvakasiyana.
Nekukurumidza gore , iwe unoshambadzira muhomwe yemari yemutengo wemari yakachengetedzwa. Kunyangarika kwemari kunogona kupa sarudzo yakagadzikana kana yakasiyana yemari, zvichienderana nerudzi rwekuwedzerwa kwemari yaunotenga. Vanhu vanotenga annuities nokukurumidza vari kutsvaga mari yakagadziriswa uye vanoda chivimbo chekuziva mari yacho ichagara muhupenyu hwavo hwose . Vanonzwisisa kuti havachazokwanisi kuwana mukuru wavo.
Negore rakasununguka , iwe unoisa mari yako nekambani yeinishuwarenzi uye uite kuti iwedzere mitero-inoderedzwa kusvika kune imwe nguva kana zuva rakataurwa mubvumirano yako. Annuities yakasarudzwa inogona kunge yakaiswa kana yakasiyana. A fixed fixed annuity inopa chikwereti chakasarudzwa chekudzoka chinotsigirwa nekambani ye inshuwarisi.
A deferred variable annuity inokubvumira kuisa mari yako mune imwe nzvimbo yemaoko uye bond sub-akhawunti.
Vanhu vanotenga annuities vanowanikwa vari kutsvaga kutengesa mutero uye kazhinji nzira yeku "tsigira" ramangwana rekurega basa. Zvikomborero zvinogona kuvhiringidzika ku annuity inowanzo yakaoma, uye zvinosuruvarisa, vanhu vazhinji vanozvitenga havanzwisisi zvavari kutenga.
Zvose zvinowanzosarudzwa mutero mune rimwe gore rinogona kushandiswa hazvibatsiri sezvazvinogona kuonekwa sezviri, uye kana iwe usingachenjeri unogona kutaurirwa mu annuities yakasiyana nemari iyo yakanyanyisa.
Zvadaro pane kuenzaniswa kwekuchengetedzwa kwemari, iyo yakafanana negore rakagadziriswa nemari yakatarwa, asi iwe unogonawo kuwana mari inowedzera zvichienderana nezvinoitwa nemusika. Vanhu vanotenga mukana wekutsvaga mari yakafanana vari kutsvaga hutano hwakachengeteka hunovabvumira kuderedza mitero yemari pamutengo wavanowana.
2. Sei Uri Kutenga Imari?
Usati watenga gore rinobvunza iwe pachako, "Ndotengerei izvi?" Ndizvo here nokuti ndiyo mhinduro yekutanga iyo mumwe munhu akakuratidza kwauri? Kana zvakadaro, dzoka shure uye ita mamwe ongororo.
Kana uri kutenga annuity nokuti wakatarisa maitiro akawanda ekutsvaga mari, uye wakasarudza annuity sechikamu cherongwa rako rose rekutsvaga mari yekugadzirisa mamwe masimba, iwe uri munzira yakarurama.
Pane chinhu chimwe chete chakagadzirisa zvakawandisa zvakanaka : inopa hurefu hwakareba huta. Izvi zvinoreva kuti inochengetedza huwandu hwehuwandu hwemari yaunowana iyo haugoni kupedza. Kugovera chikamu chemari yako kune imwe sarudzo iyo ichapa mari yehupenyu inogona kuva inonzwisisika.
Zvinosuruvarisa, vanhu vazhinji vanoita zvipuriro, zvakadai sekutengwa kwegore, pasina kutora nguva yekuumba chirongwa chekutsvaga kwenguva refu .
Sangano rekubvisa mari rinokubatsira kuona kuti mari yako ichakuitei. Kufanana nekutsanangurwa kwebasa, kana wakaziva kuti mari yacho inoda kuitei, zviri nyore kwazvo kusarudza chisarudzo chakanakisisa kuti uite basa iroro.
Usarega mumwe munhu akuudza iwe gore rinogona kuita zvese zvinangwa zvako. Haigoni. Kwose kusarudzwa kwekutsvaga kwekutsvaga kune unyanzvi.
3. Ndeapi Mitero Iri Mudenga?
Mhando imwe neimwe ye annuity ine nzira yakasiyana yekubhadhara mari.
Neine variable annuity, mari yose inodonhedzwa mu prospectus. Kunyange zvazvo zvichitsanangurwa, zvinogona kuva zvakaoma kuverenga zvose zvinoshandiswa uye maitiro avanoita. Zvikwereti zvakawanda zvakasiyana-siyana zvinowanikwa gore negore zvinodarika 3% pagore .
Nebhadharo yepamusoro yegore negore, mari yako inofanirwa kubhadhara mari iyo usati waita chero mari. Izvozvo zvingave zvakanaka nokuti gore rinenge riri inshuwarisi. Iwe haufaniri kuutenga nekutarisira kwekudzoka kukuru. Iwe unotenga iyo nekutarisira kuti ichapa huwandu hwehutengo hwemari yakagadziriswa yenguva yako yemberi.
Nenguva yakasimbiswa uye yakasununguka, kambani ye inshuwarisi inokupa chikamu chisina mari yose. Izvi zvinoshanda zvakafanana neCD kana kuti mari yekuchengetedza. Iwe unowana chikwata chekufarira chinopiwa izvo zvinoreva kuti kambani ye inshuwarisi yakagadzirisa mune zvairi mari vasati vaona kubatsirwa kwavanogona kukupai.
4. Kubvisa Kwakaitwa Kudai Kunokanganiswa Sei?
Mitero inofanira kuonekwa sechikamu chekuita kwako zvisarudzo. Nguva dzakawanda mitero inoshandiswa mutero inoshandiswa senzvimbo yekutsinhanisa yemari yakasiyana-siyana, asi kunze kwekuti iwe uri mu-high-tax bracket, uye une nguva yakareba iwe usati waida mari, inogona kunge isingakoshi zvikuru kwauri.
Heino mhedziso yekukurumidza yekuti marudzi akasiyana e annuities akanyorwa sei.
Paunotenga gore rakasununguka, kana rakasarudzwa kana rakasiyana, mari yaunoshandisa ndeyekushandisa mari yako. Kubva panguva iyoyo zvichienda mberi, chero upi zvake wekutsvaga kwekutsvaga (kana kurasikirwa) mutero unoderedzwa. Izvozvo zvinoreva kuti haungagamuchiri fomu 1099, uchitaura huwandu hwekufarira, zvikamu kana zviwanikwa zvekutsvaga zvinowanikwa gore negore. Izvi zvinowanikwa zvose zvinoderedzwa. Mutero wakabviswa, zvisinei, hauna kufanana nemutero usingabhadhari.
Panguva yakadaro apo iwe unotora kubviswa kubva kune gore rakasununguka, iwe uchagamuchira fomu 1099 inoshuma kuparadzirwa. Kuwana kunofungidzirwa kubviswa kare, uye zvose zvinodzingwa zvinokweretwa pamutero wako wekubhadhara mari. Chero hupi hupi hunosiya huri mushure mezera remakore makumi mashanu nemakumi matatu nemashanu huri pasi pekutongwa kwe 10% yemutero.
Nenguva inokurumidza, chikamu chebhadharo imwe neimwe yaunogamuchira inofungidzirwa sokudzoka kwevakuru (kubhadhara kwemari yako) uye chikamu chikamu. Iwe uchabhadhara mutero pane chikamu icho chiri chido asi kwete pane chikamu chinoonekwa sekudzoka kwevakuru. Kambani yeInishuwarenzi ichakupa mutero wemutero unoratidza kuti chikamu chinotengesa.
Usati watenga gore rinoshandiswa nekambani yeinishuwarenzi inogona kukuudzawo kuti chiyero chako chekuregererwa chichave chei. Chikamu chekuregererwa chiyero chekubhadhara kwemwedzi mumwe nomumwe kunogona kubviswa pamitero.
Kana iwe ukashandura annerity yakasununguka kupinda munguva yakangoita annuity, mitero ichashanda segore rinokurumidza, ine chikamu chebhadharo imwe neimwe inofungidzirwa kudzoka kwevakuru, uye chikamu sechido.
5. Chii Chinoitika Kumakore Anouya Pamusoro Pokufa Kwaunoita?
Pamusoro pekufa kwako, yako yakasara annuity inobatsira (kana iripo) ichaenda kune munhu waunoti zita rako semubatsiri wako, asizve, kuti izvi zvinoshanda sei zvinogona kusiyana zvichienderana nerudzi rwegore.
Paunosarudza mari inokurumidza iwe unofanira kusarudza nguva ye annuity . Izwi rinoratidza kana zvikwereti zvichave zvehupenyu hwako bedzi, nokuda kwehupenyu huri pamwe chete, uye kana mari inosara ichapfuura kune vagari venhaka kana kwete.
Zvizhinji zvakagadzirirwa gore rinobatsira rufu rufu rwakanyanya; chero zvipi nhoroondo iyo yakakosha ndeye iyo inobhadharwa kunze kwekufa.
Variable annuity rufu inobatsira inogona kuva nyore, kana iwe unogona kuvandudza purogiramu yako nevatasvi vanopa huwandu hwekufa huripo . Izvi zvingasarudzwa zvinogona kuva sarudzo yakanaka kune mumwe munhu asingakodzeri inshuwarisi yehupenyu asi anoda kuwana nzira yekusimudza zvavanopfuurira kune mumwe wako kana vagari venhaka.
Pamusoro pekufa kwako, munhu anowana nhaka yekwereti anofanira kubhadhara mutero wemari kune chero upi zvake, iyo inobhadharwa pamutero wavo wekugara. Kana vakabhadhara mu annuity nemupfumi mukuru, zvinogona kuvamanikidza kuti vave mubhaketi yakakwirira. Kana mumwe wako achienderera mberi nehurongwa, ipapo gore rinenge risingafungi kuti rakapfigirwa mukati, saka hapana mutero ungashanda mumamiriro ezvinhu akadaro. Kusiyana neizvi nezvinoitika kana mumwe munhu akawana purofisto yematokari kana mutengo wemari. Nezvikwereti kana mari iyo isati iri mubhadharo rekubvisa mari, vagari venhaka vanotora danho-in in cost cost . Izvi zvakasarudzwa zvekutengesa mutero hazvishandi kune annuities.
Kakawanda, gore rinotengwa nekuda kwezvikonzero zvakanaka, sechikamu cherongwa, ndicho chisarudzo chikuru. Asi gore rinotenga pasi pekumanikidzwa, apo iwe usinganyatsonzwisisi kuti rinoshanda sei, rinogona kuguma kuva albatross kusvika kurongwa hwako hwekugara.