Kwete yeQLAC, iyo yose iri muvatengi 'zvakanakisisa!
QLACs inokubvumira kufuritsa makore makumi manomwe nemakumi manomwe apfuura mukati meMutambo IRA, kuti uwane ruzivo rwekuwana mari inogona kutangwa kusvika kure nemakore makumi masere nemashanu. Haufaniri kuzvidzivirira kwenguva refu, asi unogona. Zvinonyanya kukosha, mari iri muQLAC haifaniri kuonekwa sechikamu cheM RMD kuverenga kana iwe uine makumi masere makumi mashanu. Icho chinhu chikuru, shamwari dzangu.
Izvo zvinoreva muChirungu Chinyorwa ndezvokuti mitero yako ichave yakaderera pamamato ako. QLAC ndiyo chete yerudzi rwegore rinogona kuita izvi. Semuenzaniso, kana uine IRA yakazara ye $ 500,000, unogona kutenga $ 125,000 QLAC maererano nemitemo yazvino iripo. Paunoenda kuverenga maMMD ako, iyo yose ichave yakabhadhara $ 375,000 pane $ 500,000. Nemhaka yezviyero izvi zvakaderera, RMD yako mitero inogona kunge yakaderera.
QLACs inogona kugadzirirwa kubhadhara pamwe chete nemumwe wako, pamwe neCOLA (Mari yeHupenyu Kururamisa) inowedzera kana ukasarudza.
Iwe unogonawo kugadzira chibvumirano kuitira kuti 100% yemari ipi zvayo isingashandisi mari inopinda kune vako vakagadziriswa mazita, kwete yekambani ye annuity.
Chii Chakaipa Pamusoro peQLACs? Kwete zvizhinji.
Dambudziko guru reQLACs nderokuti iwe hauna kukwana muhuwandu hwemari iwe unogona kuisa mune chigadzirwa. Ndinoona kuora mwoyo apo vanhu vanonzwa mitemo yekubhadhara yavanofanira kutevera.
Parizvino, mutongi wacho unoti huwandu huwandu hwemadhora iwe unogona kuisa muQLAC huri pasi pe $ 125,000, kana 25% yeIRA yako (kwete-Roth) yakawanda. Vanhu vazhinji vanoda kuisa mari yakawanda muQLACs, asi mitemo ndiyo mitemo. Dhipatimendi reBashandi neDhipatimendi reMariki vakaratidza kuti vachasimudza QLAC dollar muganhu kwekufamba kwenguva, asi havana kupa musi chaiwo wezuva.
Imwe nyaya neQLACs ndeyokuti urongwa hauna huwandu hunokosha. Ndinofunga kuti izvi zvakanaka, asi vashandi vashoma vanoona hazviiti nokuti vanokanganisa kuenzanisa neQLAC kune zvikwereti. Zviwanikwa (kusanganisira QLACs!) Hazvisi mari . Mune mamwe mazwi, kana iwe ukaisa $ 125,000 muQLAC neurongwa hwokutsvaga mari mumakore masere uye iwe ukafa mugore re7, vatsigiri vako vanowana $ 125,000. Enda pazviri!
Chokwadi Pamusoro peQLACs Ndizvo Zvavari Kufamba Nenzira Yakarurama.
Mamwe emari haasi mari, inorongwa kuti ipe rubatsiro rwekudzivirira nekubhadhara mari, uye inogona kutibatsira kuronga kurarama kwenguva yakareba, nhaka, uye nguva refu yekuchengeta rubatsiro. Iko QLAC mutengo inonyanya-watengi!
Apo QLACs yakazobvumirwa musi waJuly 1 st, 2014, iyi yakanga iri mutambo wekushinjwa kwemutambo weArchaic 'yakanaka ole boy' annuity industry. Kungofanana nemari apo mari yekutengeserana yakaiswa mukati me 401k uye pakupedzisira yakaita kuti kudengenyeka kwehurumende kuwedzere, QLACs (kureva kurema kwemakore akawanda) ichapedzisira iri iyo yakanyanya kutengesa rudzi rwemakore munguva inotevera.
Ndinofanotaura kuti zvichaitika muna 2020. Ndinotarisira kuti ndine chokwadi nekuti mutengi ndiye anonyatsokunda pano.
Mukuwedzera, QLACs ichava simba rinokurudzira re annuities (zvemarudzi ose) kutamira kune zvakananga kumutengesi wemuenzaniso. Nenzira, ichi chinhu chakanaka. Kana iwe unogona kutenga gore risina kutarisana ne pesky yakanyanya-kushambadzira kutengesa kubva kumushandi wako, saka inokunda pfungwa pane imwe nguva. Uye izvi zvinobva kune wepamusoro wechipurisa mutemo munyika ... .Stan The Annuity Man! Iwe haugoni kutenga annuity yakarongeka inotungamirirwa kubva pawebsite, asi unonyatsogona kushanyira annuities.direct kuti uongorore zvose zvaunosarudza. Yeuka dzidzo inokosha yekuziva. Zivo ndicho chinhu chinokosha kune utano hwako hwemari.
Dzvanya pano kana uchida mamwe mashoko pamusoro peMRD kana COLA Riders paQLACs