Tarisa pane zvose zvaungasarudza usati wazvitenga kamwechete annuity.
Gore rinokurumidza rinogona kuva sarudzo yakanaka kana iwe uchida kuve nechokwadi kuti hauzoperi mari yako mukurasira, asi iwe hauchazokwanisi kuwana mukuru wako mushure mekutenga imwe. Izvi zvinoita kuti vamwe vanhu vatarise nekuisa mari yavo yose mumhando iyi yemuchina.
Iwe unoda kutsvaga nzira dzako dzose usati waita chisarudzo chekupedzisira kana iwe uri kufunga nezvekutenga nguva yakangoita annuity. Nzira yakanakisisa yekugadzirisa basa inowanzogadzira kusanganiswa kwekutsvaga kwekuita mari kuburikidza nekushandisa nguva yakatarwa pamwe chete neimwe kana zvimwe zvezvisarudzo izvi.
01 Annuity yakasiyana-siyana neChiringani Chekuregererwa Kunobatsira Rider
Pane nzira dzakawanda dzekugadzira mari yekubvisa mari, asi vashoma chete ndivo vanouya nevanovimbisa. Mutasvi wechiripi anogadziriswa ndeimwe nzira yekuwana mari yausingagoni kupedza. Icho chinhu chinowedzera chinogona kuwedzerwa kune variable annuity kana kuenzanisa index annuity.
Nokuda kwekuwedzera mari yegore negore, kambani yeinishuwarenzi ichaita mari yaunogona kubvisa hupenyu pane imwe nguva mune ramangwana. Izvo zvinyorwa zvechibvumirano zvinotsanangurwa mumvumo ye annuity. Zvinosuruvarisa, iwe unofanirwa kuziva chaicho chauri kutsvaga uye kubvisa usarudzo kubva kune mari yakakwirira yepamusoro uye mamwe mabhero uye mheremhere yausingazombotishandisi nokuti nguva dzose inodhura zvakawanda.
02 Retirement Revenue Funds
Kana iwe usingazivi kuti ungabvisa sei mari kubva kumari yako yega, funga nezvekubhadhara mari mari . Vakanyatsokwanisa kukwanisa kubhadhara mari yekusarura nguva dzose uye vanovimbisa zvakasimba, zvose-mu-imwe kugadzirisa kushandiswa kwemari yekugadzirisa. Vanopa kuwedzera kushandura kupfuura annuities, asi vanouya nezvivimbo zvishomanana.
Iwe unogona kufunga kuisa chikamu chemari yako mune imwe nguva yakasununguka yemari yakagadziriswa, uye chikamu muhomwe yekubhadhara mari yekubvisa mari kuti ikupe iwe kuchinja kwakanyanya mune ramangwana. Chinokosha pakuita mari yako yekupedzisira ichava yekushandisa chete mari yaunowana pamwedzi mari iyo inopa kwauri pasina kupinda mukati.
03 Kunotsanangurwa Kubhadhara Kubva mu Total Return Portfolio
Imwe nyanzvi yekodzero mutual funds inogona kugadzirirwa kuti ibhadhara mari yakakwana iyo ichagara pamusoro pekutarisira kweupenyu hwako kana yakanyatsogadziriswa. Iwe unofanirwa kutevera mitemo yemitemo yekudzorera yegadziriro iyi yekushanda-mirayiridzo inokuudza kuti mari yakawanda yei iwe unogona kutora kuitira kuti iwe usabuda.
Iri sarudzo haisi kuuya nekutsigira kuti gore rinokurumidza rinopa, asi iwe une mukana wekuwedzera mumari uye iwe unogona kuwana hukuru kune wako mukuru. Asi iwe unogona kuona kuderera mumari kana zvikwereti zvikaita zvakaipa.
04 Kusungirwa Bonds
Iwe unogona kutora chikamu chepodfolio yako uye kutenga mabhandi nemazuva akasiyana ekukura kana iwe uchida kuwandisa. Iwe unogona kuisimudza kuitira kuti musungo umwe uwedzere gore negore kwemakore gumi anotevera. Iko kunonzi kuvakwa chikwata chechikwata kana kuti mari yekuwana mari.
Sungano imwe neimwe inosangana nemari yako inoshambadza sezvo ichikura. Iwe unogona kushandisa maCD pamwe nezvisungo zvechinangwa ichi. Kutengesa zvimwe zvekutengeswa kwemari yako kutenga bhadha rinotevera gore roga roga sezvaunoshandisa mari yegore rimwe chete. Iwe unogonawo kuvaka imba yemakore makumi matatu emasangano kana uine mari yakakwana. Kungofanana nezvimwe zvingasarudzwa, urongwa uhwu hahugone kupa mari yakawandisa seyakawedzerwa gore, asi iwe uchachengetedza kusvika kune mukuru wako.