Zvikwereti zvinonzi Indexed zvakagadzirirwa annuities. Nyaya yacho haifaniri kuva chero munhu anofarira kupfuura izvozvo. Icho chinhu chakanaka nokuti mukuru wako anonyatsochengetedzwa kubva pamusika wepasi pamatambudziko, izvo zvinodiwa kune vakawanda vanopinda muchengeti uye vana vacheche.
Indexed Annuity inodzoka inobva pakushevedzwa kwekuita pane imwe nheyo yakafanana neS & P 500. Kuita sarudzo haisi pangozi yekuti mari inokwira, uye kana ikadaro, iwe uchabatsirwa nekukura ikoko.
Kana iyo misika inotora dutu guru rakafanana neyakaita muna 2008, ipapo kusarudzwa kwekutumira kunopera pasina uye hausi kurasikirwa nemari. Icho chikwata hachikwanisi, asi ruzivo rwakachengetwa zvachose muchechi yegore rino. Ndiyo hurukuro yangu yekusimudzira uye simplistic kukosha kudiwa kweIndiaxed Annuities.
Kana uine Hwakanaka neCD inodzoka, iyo Indexed Annuities inogona kushanda zvakanaka muchikamu chikuru chekuchengetedza chikwereti chako. Rega ndive akajeka, ndeyechokwadi chekuti Indexed Annuities HACHI mutengo wokukohwa mutengo kunyange zvazvo inoratidzika sokuti sarudzo imwe neimwe pasi pano iri kuisa iyo nenzira iyo. Iro urongwa hwakagadzirirwa kuti huite pahuwandu hwekuwedzera kwechikwata chedu.
Dzvanya pano kuti uverenge zvakadzama nezve Fixed Index Annuities
The Bad
Zvikwereti zvinonzi Indexed zvinogona kuenderera mberi mumari yezvemari seyakanyanya kuderedzwa uye isina kutengeswa mutengo. Kunze kwekuti annuity indasitiri uye vatengesi vesimbe mune ino inoramba iri kutengesa kutengesa, Indexed Annuities inogadzirirwa kuva kirasi mune zvidzidzo zvebhizimusi kwose kwose kuti mutengo wakanaka wakatanga sei muvhu kuburikidza nekutengeserana kusina simba kwekutengesa.
Izvo zvinowanzoitwa mumiriri "inotengeserana nechepamusoro pasina chepasi." Hafu yezvinyorwa izvozvo ndezvechokwadi. Ichokwadi hapana chakaipa nokuti iyo yakagadzirirwa annuity. Kana mutemo wekutengesa waiva chokwadi zvechokwadi, basa raJanet Yellen kuGreece Reserve raizogadziriswa. Hapana munhu anokwanisa kuvimbisa kumisika.
Sezvaunofanirwa kuziva panguva ino, chirevo hachikwanisi kuva chechokwadi.
Kana iwe uchiteerera redhiyo yemunharaunda, tarisa terevhizheni terevhizheni yeTV, kana kutora internet, iwe uri kuenda kunopindwa nemutemo kutengesa shoko rinoparadzanisa Indexed Annuity world. Chinhu chipi zvacho chinogona kutaurwa, chakatorwa, kana chakavimbiswa kuti chiwane kutengeswa kwemasimba ose. Icho chiito chinotyisa chinoramba chichikura nokuti hapachina migumisiro yechinhu chipi zvacho chinoenda kuWest West kutengesa mweya. Ndiyo njodzi chaiye inobuda pamberi pechirwere chisingafadzi yebhizimisi iyo inenge isingadi kukanganisa kuwedzera kwekuwedzera kwekutanga.
Nemhaka yokuti Zvikwereti zveNyika zvakasimbiswa hazvisi chekuchengetedzwa, uye zvinongororwa semushuwarenzi wehupenyu, inofanirwa kutongerwa muhutano hwehurumende. Ngationei kuti hazvisi kuitika!
Ichokwadi
Muna 1995, Indexed Annuities yakatanga kugadzirwa uye yakagadzirirwa kukwikwidza musoro zvichienda neCD (Certificates of Deposit) inodzoka, kwete yekutengesa. Ichocho ndechokuti vazhinji vanopesana nehurumende vasingatombozivi, asi chokwadi chechokwadi kana iwe wakatombotenga chikoro cheIndiaxed Annuity.
Zvikwereti zvinonzi Indexed zvakare inobudirira kubhadhara nzira yezvakabatanidzwa nevatasvi vemari inowanikwa mari inowanikwa mune ramangwana. Muzvokwadi, iyo ndiyo nzira yandinonyanya kushandiswa nayo inonzi Indexed Annuities.
Zvechokwadi handitombotarisa chikamu chekuunganidza (kureva chinyorwa chisarudzo) chemutemo mune dzimwe nguva. Iko nguva yakawanda ini ndinongotarisa mutsigiri wevanowana mari ye "mari inotevera" inoda . Chikonzero cheizvi ndechokuti ndinofunga kuti iwe unofanira kugara uine annuities pane izvo "Vachaita, kwete kuita." Shanduro: Chibvumirano chekugadzirisa chinopa!
Mune zvimwe zviitiko, ndinoshandisa nguva shoma Indexed Annuities pamwe chete ne Fixed Rate Annuities (yakaitwa MYGAs) yekambani yekuenzanisa. Ndinodana kuti "Mixed Fixed Ladder" yangu nokuti inobatanidza Fixed Rate uye Indexed Annuities.
Dzvanya pano kuti uverenge zvakare pamusoro pekunakidza Annuities
Chinokosha ndeyekuti Indexed Annuities haisi yakakosha kuti ive yechokwadi, asi inogona kuva yakaisvonaka yakachengetedza zvakanaka kana zvaunotarisira zvinowirirana nehutano hwechokwadi.
Dzvanya pano kuti uverenge Zvimwe nezve MYGAs