Annuity Sales in Banks
Kazhinji kacho, vatengi vane mari yakawanda inobhadhara mari inoshandiswa kune zvakagadziriswa annuities (nemamwe marudzi emichero).
Vatengi vangave vasina kufadzwa nemitengo iripo pane zvigwaro zvekuisa (CDs) , kana mujeri pabhangi ingave inonyanya kufarira annuities.
Iyi haisi "mari yekuwana mari" iyo inokubhadhara kwehupenyu hwako hwose, kunyange iwe unogona kazhinji kutendeukira kune imwe nzvimbo kana iwe uchida. Pane kudaro, izvi zvakanyanya kufanana nemari yekubhadhara iyo iwe unogadzirisa uye ((tarisai) inowana zvakawanda pamari yako.
Dzimwe nguva gore rose ndiro izvo chaizvo zvinodiwa nevatengi. Zvisinei, kune nyaya dzakawanda pamusoro pevatengi vanofamba vachibva mubhangi nechishuvo chavasina chavanoda.
Are annuities bad?
Ngatitsvei zvakajeka kuti annuities haisi yose yakaipa. Vanopa zvinhu uye vanovimbisa kuti haugoni kuwana mune chimwe chigadzirwa. Kunyange zvakadaro, annuities yakashandiswa zvisina kufanira nevamwe nokuti vanobhadhara mahofisi makuru.
Annuities muBanki
Munguva yakapfuura, zvinowanzoitika kubva kubhangi ndeyekupa annuities kune mutengi aida zvinopfuura bhaari-vanilla deposit account.
Mabhandi anowana inshuwarisi yemishuwarenzi yekusarudza vashandi kuitira kuti vagone kupa mishonga iyi, uye mushandi wacho anopiwa mubayiro kana kuburikidza nekutumirwa kana chirongwa chekukurudzira kwebhangi. Rimwe sangano rinogona kunge riri roga roga rakasununguka-mapato anopa zvinhu zvinogadzirwa nebhangi (senzira yekupa zvakawanda kune vatengi).
Nokutengesa mwaka, bhangi inokwanisa kuchengetedza ukama nevatengi uye kuunza mamwe mari. Zvisinei, zvakadini kana mutengi aida chimwe chinhu kunze kweiyo annuity? Kwenguva yakareba, annuities yaiva museve unofarira mubhandi rebhangi rezvipi zvimwe zvinopiwa. Neine reisensi ye inshuwarisi chete, bhagheni inogona kupa zvakawanda zvakasiyana siyana.
Dzimwe mabhangi anototaurirana nevatengi vachida kupa zvipo. Machenda ane zviyero zvakakura zvemari vanowana tsamba uye foni vachiita kuti vazive kuti bhangi inopfuura zvinopfuura kungochengetedza uye maCD.
Mibvunzo Yokubvunza
Kana mumwe munhu ari kubhangi yako akakurudzira kuti iwe ushandise annuity, tsvaga vavariro dzavo. Mimwe mibvunzo yekubvunza ingave ndeyikuti:
- Sei ndichifanira kushandisa annuity iyi?
- Ndeupi musiyano pakati pekushandisa annuity iyi uye kushandisa CDs (kana mari yemakisi , kana kuchengetedza, kana chero chii)
- Mari yangu yakavharwa (kwenguva yakareba sei, uye chii chiri kuzvipa mhosva yekusvitsa kare)?
- Ndezvipi mari uye mari yandinobhadhara nokuda kwechigadzirwa ichi, uye kune mamwe masimba emari here?
- Inguva yakareba sei inobhadhara chikwereti chechido chakaratidzwa mumashambadzi ako (gore rokutanga chete, kana nokusingaperi)?
- Chii chinoitika kana ndikabuda uye ndichifamba -ndinofanira kuchengeta zvakawanda sei?
- Iwe iwe uye / kana bhizinesi uchatora komiti kana ndikashandisa annuity?
- Iwe unayo unyanzvi, malayisensi, uye / kana chiremera chekupa chimwe chinhu kunze kwegore ?
Iyi mibvunzo inofanira kukubatsira kuti uwane kunzwisisa zviri nani kuti uri kuitei uye kana vari kushandira zvakanakisisa zvako. Kuvimba nomumwe munhu ane mari yako kunoda kuti iwe uzive zvauri kupindira, uye mibvunzo iri pamusoro apa inofanira kukubatsira iwe kuti uite zvimwe zvishoma kubudirira kune chinangwa ichocho.
Mutendi akatendeseka achapindura mibvunzo iyi munyaya-ye-chokwadi. Vanofanira kubvuma kuti vangave vachisarura, uye vanoramba vachipa maonero akaenzana ezve tradeoffs pakati pekukanganiswa uye zvimwe zvinhu.
Shandisa pfungwa yako yakafanana kuti usarudze kana uri kuwana "rubatsiro" kana kuti kutengesa. Zvose zvinoda kutsanangurwa maererano nemashoko aunogona kunzwisisa . Yeuka kuti hapana chinhu chakakwana, saka iwe unoda kunzwa pamusoro pezvauri kupa kana kubhadhara usati waenda mberi.
Kana zvinonzwika zvakanyanya kuti zvive chokwadi, zvichida.