Ingakanani i-$1,000,000 ye-annuity ehlawulayo ngenyanga? I-1,000,000 ye-annuity iya kukuhlawula malunga $4,380 ngenyanga nganye ubomi bakho bonke ukuba uthenge i-annuity kwiminyaka engama-60 kwaye waqala ukuthatha iintlawulo ngokukhawuleza.
Apha, ngaba isibini singarhoxisa i-1 yezigidi zeedola? Ngaba isigidi seedola yimali eyaneleyo yokuqinisekisa umhlala-phantsi okhuselekileyo ngokwasezimalini namhlanje? Uphononongo lwakutsha nje lufumanise ukuba iqanda le-1 lesigidi seedola lomhlalaphantsi liyakwenza ihlala malunga neminyaka eyi-19 ngokomndilili. Ngokusekwe koku, ukuba uthatha umhlala phantsi uneminyaka engama-65 kwaye uphila de ube neminyaka engama-84, i-1 yezigidi zeedola iya kuba yimali eyaneleyo yomhlalaphantsi kuwe.
Ngaba umntu oneminyaka engama-70 ubudala kufuneka athenge i-annuity? Utyalo-mali kwi-annuity yengeniso kufuneka ithathelwe ingqalelo njengenxalenye yesicwangciso esipheleleyo esibandakanya ukukhula kwee-asethi ezinokunceda ukuphelisa ukunyuka kwamaxabiso ebomini bakho bonke. Uninzi lwabacebisi bezemali baya kukuxelela ukuba elona xesha lilungileyo lokuqalisa i-annuity yengeniso iphakathi kwe-70 ne-75, evumela intlawulo ephezulu.
Ukongeza Zeziphi ezi 4 iintlobo zee-annuities? Kukho iintlobo ezine ezisisiseko ze-annuities ukuhlangabezana neemfuno zakho: elimisiweyo elikhawulezileyo, eliguquguqukayo elikhawulezayo, elimisiweyo elimisiweyo, kunye nexabiso elimisiweyo elimiselweyo. Ezi ntlobo zine zisekelwe kwizinto ezimbini eziphambili: xa ufuna ukuqala ukufumana iintlawulo kunye nendlela ongathanda ukuba i-annuity yakho ikhule ngayo.
Ngaba i-Rrif ingcono kune-annuity? Ukuba uhlala de ube neminyaka eyi-100, i-annuity yakho ibonelela ngexabiso elikhulu "lembuyekezo" elilingana ne-7.5% iRRIF. Zombini ukutsalwa kwe-RRIF kunye nengeniso yeannuity ebhalisiweyo irhafiswa ngendlela efanayo kwaye ngesantya esifanayo kwimbuyekezo yakho yerhafu, ngoko akukho nzuzo yerhafu kukhetho olunye ngokuchasene nolunye.
Ngowuphi umvuzo olungileyo wenyanga womhlalaphantsi?
Unaloo nto engqondweni, kufuneka ulindele ukuba ufuna malunga ne-80% yomvuzo wakho wangaphambi kokuthatha umhlalaphantsi ukuze uhlawule iindleko zakho zokuphila kumhlalaphantsi. … Ngokusekwe kumgaqo wama-80%, ungalindela ukudinga malunga ne-96,000 yeedola kumvuzo wonyaka emva kokuthatha umhlalaphantsi, oku $ 8,000 ngenyanga.
Ithini i-avareji ye-401k eseleyo kumntu oneminyaka engama-65 ubudala? I-avareji ye-401k Ibhalansi kwi-Age 65+ - $471,915; Median - $138,436. Eyona minyaka ixhaphakileyo yokuthatha umhlalaphantsi e-US ngama-62, ngoko ke akothusi ukubona umyinge kunye ne-Median 401k amanani ebhalansi eqala ukwehla emva kweminyaka engama-65.
Ngaba ndingarhoxisa kwi-60 nge-500k? Ngaba ndingarhoxisa i-500k yeedola kunye noKhuseleko lweNtlalo? Ewe Unga! I-avareji yenyanga yoMvuzo woKhuseleko lweNtlalo yokungena ngo-2021 yi-$1,543 ngomntu ngamnye.
Ucinga ntoni uSuze Orman ngeeannuities?
Sizeka:Andingomntu uthanda i index annuities. Ezi zixhobo zemali, ezithengiswa ziinkampani ze-inshurensi, zi ngokuqhelekileyo ibanjwe kwinani elimiselweyo leminyaka kwaye ihlawulwe ngokusekelwe kwintsebenzo yesalathiso esifana ne-S&P 500.
Kwakhona Ngaba i-annuity ichaphazela uKhuseleko lweNtlalo? Umvuzo owufumeneyo kuphela, umvuzo wakho, okanye umvuzo oshiyekileyo ovela ekuzisebenzeleni uhlawulwa nguKhuseleko lweNtlalo. … Iintlawulo zomhlalaphantsi, iiannuity, kunye nenzala okanye izabelo ezivela kwimali oyongile notyalo-mali ayingomvuzo ngeenjongo zoKhuseleko lweNtlalo. Kusenokufuneka uhlawule irhafu yengeniso, kodwa awuyihlawuli irhafu yoKhuseleko lweNtlalo.
Ingakanani i-$200 ye-annuity ehlawulayo ngenyanga?
Ingakanani i-$200,000 ye-annuity ehlawulayo ngenyanga? I-200,000 ye-annuity iya kukuhlawula malunga $876 ngenyanga nganye ubomi bakho bonke ukuba uthenge i-annuity kwiminyaka engama-60 kwaye waqala ukuthatha iintlawulo ngokukhawuleza.
Yintoni engalunganga ngeeannuities? Izizathu zokuba kutheni ii-Annuities zenza uKhetho loTyalo-mali oluMbi
Iiannuity ziikontraki zexesha elide ezinezohlwayo ukuba zifakwe imali kwangoko. Ingeniso yeeannuity ifuna ukuba uphulukane nolawulo kutyalo-mali lwakho. Ezinye iiannuity zifumana inzala encinci. Ingeniso eqinisekisiweyo ayikwazi ukuhambisana nokunyuka kwamaxabiso kwiintlobo ezithile zee-annuities.
Ziziphi izinto ezingeloncedo kwii-annuities?
Ukuphakama kwakho kunokuba kuMda. Xa uthenga i-annuity, unjalo umngcipheko wokudibanisa nabo bonke abanye abantu abathenga ii-annuities. Inkampani yeinshorensi othenga kuyo i-annuity ilawula loo mngcipheko, kwaye uhlawula umrhumo wokunciphisa umngcipheko wakho.
Ngoobani ii-annuities ezilungileyo?
Ngokuqhelekileyo kufuneka uqwalasele i-annuity kuphela emva kokuba uye wakhupha ezinye iimoto zotyalo-mali zomhlalaphantsi ezixhamla kwirhafu, ezifana ne-401 (k) izicwangciso kunye ne-IRAs. Ukuba unemali eyongezelelweyo onokuyibekela bucala ukwenzela umhlala-phantsi, ukukhula okungahlawulelwa rhafu kwi-annuity kungenza ingqiqo-ingakumbi ukuba ukwibhrekhethi yerhafu ephezulu namhlanje.
Kwenzeka ntoni kwi-RRIF Xa iqabane lisifa? Izixa-mali ezifunyenwe kwi-RRIF emva kokusweleka kwetoti yomvumi zigqithiselwe ngokuthe ngqo okanye ngokungathanga ngqo kwi-RRSP yakho, kwi-RRIF yakho, kwi-PRPP yakho, kwi-SPP yakho okanye uzithengele i-annuity efanelekileyo ukuba ubungumxhamli ofanelekileyo we-annuitant engasekhoyo.
Ngaba i-RRIF ingaguqulelwa kwi-annuity? Ewe - i-RRIF ingaguqulelwa kwi-Annuity nangaliphi na ixesha. Utyalo-mali oluthile (umz. ii-GICs) lunokukunyanzela ukuba ulinde de ube ufikelele ekufikeleleni kwiimali okanye ujongane nezohlwayo. Ubuncinane beminyaka Hayi – akukho buncinane beminyaka yokuthenga iAnnuity. Kufuneka uguqule i-RRSP yakho ekupheleni konyaka wekhalenda apho uneminyaka engama-71 ubudala.
Ngaba ndingayiguqula i-RRSP yam ibe yimali yonyaka?
Unokusebenzisa imali yakho ye-RRSP ukuthenga i-annuity.
Umniki wakho we-RRSP akayi kubamba irhafu kwiimali ezisetyenziselwa ukuthenga i-annuity. Kusenokufuneka uhlawule irhafu kwingeniso xa uqala ukufumana iintlawulo. Faka ezi ntlawulo njengengeniso kwirhafu yengeniso yakho kunye nembuyekezo yenzuzo yonyaka ozifumanayo.
Uphila ngemali engakanani umntu odla umhlala-phantsi ngenyanga? Ngokwe-Bureau of Labor Statistics data, "amakhaya amadala" - achazwa njengalawo aqhutywa ngumntu oneminyaka engama-65 nangaphezulu - achitha umndilili wama-45,756 eedola ngonyaka, okanye ngokumalunga. $ 3,800 ngenyanga.
Yintoni i-avareji yoKhuseleko lweNtlalo yokukhangela?
Qwalasela uMyinge weNtlawulo yoKhuseleko lweNtlalo
Umndilili wenzuzo yoKhuseleko lweNtlalo ngu $1,657 ngenyanga ngoJanuwari 2022. Olona ncedo luphezulu loKhuseleko lweNtlalo kumntu othatha umhlala-phantsi kwiminyaka yobudala epheleleyo yi-$3,345 ngo-2022.
Uninzi lwabadla umhlala-phantsi luphila ngemali engakanani? Ukophula uMvuzo ophakathi woMhlalaphantsi ngo-2021
Ubudala bekhaya | Ingeniso yeMedian | Kuthetha iNgeniso |
---|---|---|
Amakhaya Aneminyaka engama-60-64 | $64,846 | $91,543 |
Amakhaya Aneminyaka engama-65-69 | $53,951 | $79,661 |
Amakhaya Aneminyaka engama-70-74 | $50,840 | $73,028 |
Amakhaya aneminyaka engama-75 nangaphezulu | $34,925 | $54,416 |
• Okt 1, 2021
Ingakanani imali umndilili waseMelika athatha umhlala-phantsi ngayo?
Ngokolu vavanyo lweZiko leTransamerica leZifundo zoMhlalaphantsi, ukonga umhlalaphantsi ngokweminyaka yobudala e-US yile: kwi 20s zabo: $16,000. Abantu baseMelika kwi-30 yabo: i-$ 45,000. Abantu baseMelika kwi-40 yabo: i-$ 63,000.
Ingaba umndilili oneminyaka engama-70 ubudala unolondolozo malini? Ingaba umndilili oneminyaka engama-70 ubudala unemali eyongiwe? Ngokutsho kwedatha evela kwi-Federal Reserve, umyinge wesixa-mali sokugcina umhlalaphantsi kubantu abaneminyaka engama-65 ukuya kwe-74 ubudala. kumantla nje $426,000. Ngelixa iyindawo yedatha enomdla, ugcino lwakho lomhlalaphantsi lunokwahluka kolunye.