Unofanirwa Kuchinja Here? Lifetime & Other Options
Kana annuity yako iri pfupi annuity , iwe unowanzoita annuitize kubva pakutanga.
Chii Chiri Kuitika Kana Iwe Uchigadzirisa?
Paunopedza chikwereti, iwe unoudza kambani yeinishuwarenzi kuti atange kukubhadhara, kazhinji nokuzadza fomu. Paunenge uchipa mirayiridzo iyi, iwe unoda kusarudza kunyatsogadzirisa kuti zvikwereti zvinofanira kurongeka sei. Semuenzaniso, iwe unogona kuva nesarudzo yekusarudza kubva kune mapurogiramu akawanda, uye iwe unofanira kuverenga zvibvumirano zvako zvepagore zvakanyatsonaka kuti uone kuti ndeipi nzira yakakunakira iwe.
Zvipo zvehupenyu : Nzira yakanakisisa yekusunitization ndeyekubhadharwa kwoupenyu. Nekusarudzo iyi, kambani ye inshuwarisi inoramba ichibhadhara kwenguva yose yauri kurarama (technically inopedzisira yapera kusvikira munhu anenge apera afa - anenge achidzoka angave ari munhu mumwe chete semudzimai wepagore , asi haisi nguva dzose). Izvozvo zvinogona kuitika gore rimwe mushure memwedzi wegore, kana makore mazhinji gare gare. Kazhinji, nguva refu inopedza upenyu, zviri nani izvi zvinoshandiswa. Kana munhu anenge apera afa afa nguva pfupi mushure mekugadzirisa, hapana kubhadharwa kwemukuru wako pasi pekubhadharwa kwekubhadharwa kwoupenyu hwese.
Hupenyu nehumwe nguva: Kuchengetedza pangozi yekurasikirwa nemari yako yose apo mumwe munhu akafa pakutanga achishandisa nzira yekubhadharwa yeupenyu, iwe unogona kuwedzera "nguva yakatarwa." Nechisarudzo ichi, kambani ye inshuwarisi ichabhadhara zvehupenyu hwekudzorera kana nguva yaunosarudza - chero ipi zvayo yakareba.
Somuenzaniso, iwe ungashandisa nguva yemakore gumi zvimwe. Kana zvakadaro, kubhadhara kuchaenderera mberi kwemakore gumi zvisinei pasinei nepo kana munhu anenge apedza makore achifa (uye kubhadhara kuchaenderera mberi chero bedzi kusunungurwa kuri kurarama, kunyange kana izvozvo zvakapfuura makore gumi). Nokuti uri kuderedza dambudziko rako rekufa kare, mari yako yemwedzi (kana yegore) ichava duku kana iwe ukashandisa nguva yakati kana uchienzaniswa nekubhadharwa kwoupenyu.
Vakasangana pamwe chete uye vapedzisira vapona: Vamwe vashandi vanofarira kupa mari kwete kwete ivo pachavo, asiwo kune mumwe munhu (akadai semumwe wako). Nhengo yekubatana uye yekupedzisira yekubhadhara mari inosarudzwa ichapa mari kana munhu wese waunosarudza achiri mupenyu. Zvakare, izvi zvinoguma mubhadharo wakaderera kupfuura huwandu hwehupenyu hwese hwekubhadhara nekuti, pamwe nevanhu vaviri, kune humwe huwandu hwokuti mumwe wavo achararama kwemakore mazhinji.
Nguva imwechete: Iwe haufaniri kunge uchishandisa nguva yehupenyu hwemumwe munhu kana iwe ukasunungura. Kana iwe unongoda kuwana mari kune imwe nhamba yemakore (kusvikira yako Social Security kana mari yepensheni inopinda mukati, somuenzaniso), unogona kuraira kambani ye inshurensi kukubhadhara iwe kwemakore akaverengeka emakore . Zvechokwadi, nguva shoma inobhadhara muhomwe huru.
Zvimwe zvingasarudzwa: Vakatsigiri vakasiyana vanopa zvakasiyana-siyana. Taura newadhiri wako kana mumiririri wevashandi kumakambani yako inshuwarisi kuti uone nezveimwe nzira ipi zvayo.
Ipi chisarudzo chakanaka? Inobva pane zvauri kuedza kuita. Somuenzaniso, kana iwe uri kungozvichengeta iwe (uye vamwe vese vanovimba navo havavimbi nezvinhu zviri mu annuity yako), annuitizing nehupenyu hwekubhadhara sarudzo ichakupa mubhadharo mukuru. Zvisinei, iwe nguva dzose unofunga kuti chii chichaitika kana iwe (kana kuti rinopera, kana mumwe munhuwo zvake) akafa. Vamwe vanozogadzirisa sei mari? Iwe unoda vanobhadhara kugamuchira chero chinhu kubva kune annuity mushure mekufa kwenyu here?
Kuita zvekugadzirisa inowanzoita chisarudzo chisingachinji - kana waita sarudzo, zvakaoma kana kuti hazvibviri kudzokera shure. Kambani yeInishuwarenzi inotora matanho ekuchengetedza njodzi yavo uye inoenderera mberi kuguma kwayo yezvakabatanidzwa, uye zvakaoma kusunungura kutengesa kwakaoma kunoita izvi zvichiita.
Unofanirwa Kuchinja Here?
Yeuka kuti annuitizing inongova sarudzo. Vazhinji vanowanikwa pasi rose havamboiti. Pane kudaro, vanhu vanowanzoshandisa kushandiswa kwemakore kwechinguva ndokubva vatora mari kune imwe nzvimbo (zvichida kubhadhara mari, kana kungoita kugadzirisa-kubhadhara kuregererwa kana zvichidiwa). Chikonzero chikuru che annuitize ndechokuwana chivimbiso (kubva kune kambani yveshuwarisi - hapana hurumende yehutano) yeimwe sarudzo yekubhadhara.
Mashoko Akakosha
Idzi ruzivo ruzhinji mune zvakasikwa, uye haugoni kuonekwa semari mazano. Taura nemubhizimisi wako kuti unzwisise zvakajeka zvekontrakiti yako , sezvo mashoko angasiyana. Taura nemunharaunda wekugadzira zvemari uye mutengesi we inshuwarisi zvakakodzera mvumo muhurumende yako kuti ukurukure nezvemamiriro ako emari mamiriro akawanda musati maita chero zvisarudzo.