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.
Ngokufanayo, Ixabisa malini i-1000 ngenyanga ngonyaka? Njengothelekiso, ixabiso leprimiyamu enye ekhawulezayo eyakukuhlawula i-$1,000 ngenyanga ngalo lonke ixesha uphila. malunga ne- $ 185,000.
Yeyiphi iminyaka efanelekileyo yokuthenga i-annuity? Utyalo-mali kwi-annuity yengeniso kufuneka ithathelwe ingqalelo njengenxalenye yesicwangciso esipheleleyo esibandakanya ukukhula kweempahla ezinokunceda ukuphelisa ukunyuka kwamaxabiso ebomini bakho bonke. Uninzi lwabacebisi bezemali baya kukuxelela ukuba elona xesha lilungileyo lokuqalisa i-annuity yengeniso phakathi kwe-70 kunye ne-75, evumela intlawulo ephezulu.
Ndingakuphepha njani ukuhlawula irhafu kwi-annuity? Awunatyala irhafu yengeniso kwi-annuity yakho de ukhuphe imali okanye uqale ukufumana iintlawulo. Emva kokurhoxiswa, imali iya kutsalwa irhafu njengengeniso ukuba uthenge i-annuity ngeemali zerhafu zangaphambili. Ukuba uthenge i-annuity ngeemali zerhafu emva kwerhafu, uya kuhlawula kuphela irhafu kwimivuzo.
Okwesibini Zeziphi ezi 4 iintlobo zee-annuities? Kukho iintlobo ezine ezisisiseko zee-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.
Yintoni engcono kune annuity yomhlalaphantsi?
Ezinye zezona zikhethwa kakhulu kwi-fixed annuities iibhondi, izatifikethi zedipozithi, iingxowa-mali zomvuzo womhlalaphantsi kunye nezabelo ezihlawula izabelo. Njengeeannuity ezimiselweyo, nganye kwezi zotyalo-mali ithathwa njengomngcipheko ophantsi kwaye inika umvuzo oqhelekileyo.
ke Ngaba isibini sinokurhoxisa kwi-1 yezigidi zeedola? Uphononongo lwakutsha nje lufumanise ukuba iqanda lendlwane elithatha umhlala-phantsi elisisigidi seedola liyakuhlala malunga neminyaka eyi-19 ngokomndilili. Ngokusekwe koku, ukuba uthatha umhlala-phantsi kwiminyaka engama-65 kwaye uphila de ube neminyaka engama-84, i-1 yezigidi zeedola iya kuba yimali eyaneleyo yomhlalaphantsi kuwe. Nangona kunjalo, lo mndilili uyahluka kakhulu ngokusekelwe kwizinto ezininzi ezahlukeneyo.
Ngubani ongafanele ukuthenga i-annuity? Akufunekanga uthenge i-annuity ukuba Ukhuseleko lweNtlalo okanye izibonelelo zomhlalaphantsi uhlawule zonke iindleko zakho zesiqhelo, ungaphantsi komndilili wempilo, okanye ufuna umngcipheko omkhulu kutyalo-mali lwakho.
Ngaba kufuneka ndithenge i-annuity kwiminyaka engama-40?
Ngamafutshane, phakathi kwe iminyaka engama-40 kunye nama-70 ngokuqhelekileyo lolona luhlu lufanelekileyo. Akukho ndlela yokuyijikeleza, ukuze i-annuity isebenze kumthamo wayo omkhulu, kufuneka uyivumele ihlale kwaye iqokelele (ngokuqhelekileyo malunga neminyaka eyi-10). …Xa ukhupha imali yakho kwangoko kwi-annuity, kokukhona intlawulo yokunikezela iya kuba phezulu.
Ngaba i-annuity ibalwa njengengeniso yokhuseleko loluntu? 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.
Ngaba i-annuity ichaphazela njani izibonelelo zoKhuseleko lweNtlalo?
Ukhuseleko lweNtlalo aluyibali intlawulo yomhlalaphantsi, ii-annuities, okanye inzala okanye izahlulo ezivela kulondolozo lwakho notyalo-mali njengengeniso. Ezi ntlawulo azithobi izibonelelo zakho zomhlalaphantsi zoKhuseleko lweNtlalo.
Yimalini yeannuity yam erhafiswa? Iti Inxalenye ephambili yentlawulo yakho ayinarhafu kwaye yahlulwe ngokulinganayo kwiintlawulo ozilindeleyo, ngelixa isahlulo somvuzo sirhafiswa njengengeniso eqhelekileyo. Kodwa masithi uhlala kwiminyaka engama-95. Ngexesha laloo minyaka "eyongezelelweyo" emihlanu, iintlawulo zakho ezipheleleyo ziya kutsalwa irhafu njengomvuzo oqhelekileyo, ngenxa yokuba inqununu iphelile.
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.
Leliphi ilizwe leannuity elinomdla kakhulu? Eyona Nyingeko yeAnnuity ka-2022
- Eyona nto iyonke: Ukunyaniseka.
- Eyona NONE
- Eyona Annuity iguquguqukayo: Ubomi baseNew York.
- Eyona NONE
- Ixesha Elilungileyo Lonyaka othile: MassMutual.
- Eyona Annuity iQinisekisiweyo yeMinyaka emininzi: yeSizwe saseMelika.
Ngaba ingeniso yeannuity 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.
Loluphi olona hlobo lukhuselekileyo lweannuity?
Imali ehlawulwayo yenye yezona zithuthi zotyalo-mali ezikhuselekileyo ezikhoyo. … Amazinga e-annuity amiselweyo athande ukuba phezulu kancinci kunee-CDs okanye ii-saving bond. Oku kungenxa yokuba ii-inshurensi zityala imali ye-annuity kwipotfoliyo ye-US treasuries okanye ezinye iibhondi zexesha elide ngelixa bethatha yonke ingozi.
Kutheni ii-annuities zingalunganga? Izizathu zokuba kutheni ii-Annuities zenziwa UKhetho loTyalo-mali olubi
Iiannuities zizivumelwano zexesha elide ezinezohlwayo ukuba imali ifakwe 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.
Ngowuphi umvuzo olungileyo wenyanga womhlalaphantsi?
Ingeniso ephakathi yomhlalaphantsi kubantu abadala ijikeleze i-24,000 yeedola; nangona kunjalo, umvuzo oqhelekileyo unokuba phezulu kakhulu. Ngokomyinge, abantu abadala bafumana umvuzo phakathi kwe- $ 2000 kunye ne- $ 6000 ngenyanga. … Kuyacetyiswa ukuba wonge ngokwaneleyo ukuze ubuyisele i-70% yomvuzo wakho wenyanga wangaphambi kokuthatha umhlala-phantsi. Oku kusebenza malunga ne-10-12 ukuphindaphinda imali oyenzayo ngonyaka.
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.
Umntu oqhelekileyo urhola ngemali engakanani?
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.
Kutheni ungaze uthenge i-annuity? Ingeniso yonyaka zifuna ukuba uphulukane nolawulo kutyalo-mali lwakho. …Umvuzo oqinisekisiweyo awukwazi ukuhambisana nokunyuka kwamaxabiso kwiindidi ezithile zee-annuity. I-annuity ayinakubonelela ngenzuzo yokufa kubaxhamli bakho. Ii-Annuities zibonelela nge-liquidity rhoqo kodwa encinci, ngamanye amaxesha akukho konke konke.
Ngaba uSuze Orman uyazithanda ii-annuities?
Zuze: mnaAndingomntu uthanda isalathiso sonyaka. Ezi zixhobo zemali, ezithengiswa ziinkampani ze-inshurensi, ngokuqhelekileyo zigcinwe inani elimiselweyo leminyaka kwaye zihlawule ngokusekelwe ekusebenzeni kwesalathiso esifana ne-S&P 500.
Ngaba ungaphulukana nemali kwi-annuity? Abanini beAnnuity banokuphulukana nemali i-annuity eguquguqukayo okanye i-annuity edibeneyo yesalathisi. Nangona kunjalo, abanini abanako ukulahlekelwa yimali kwi-annuity esheshayo, i-annuity esisigxina, i-index indexed annuity, i-deferred income annuity, i-long-term care annuity, okanye i-Medicaid annuity. Ungalahlekelwa yimali kwi-Annuity eguquguqukayo.