Ingakanani imali engu-$1,000,000 yonyaka ekhokhayo ngenyanga? I-annuity engu-$1,000,000 ingakukhokhela cishe u-$4,380 inyanga ngayinye impilo yakho yonke uma uthenge impesheni uneminyaka engama-60 futhi waqala ukukhokha ngokushesha.
Lapha, Umbhangqwana Ungakhipha amaRandi ayizigidi ezi-1? Ingabe isigidi samarandi siyimali eyanele yokuqinisekisa ukuthatha umhlalaphansi okuphephile ngokwezimali namuhla? Ucwaningo lwakamuva luthole ukuthi iqanda elithatha umhlalaphansi lika-$1 million lizokwazi ihlala iminyaka engaba ngu-19 ngokwesilinganiso. Ngokusekelwe kulokhu, uma uthatha umhlalaphansi uneminyaka engu-65 futhi uphila uze ube neminyaka engu-84, u-$ 1 million uzoba imali eyanele yokuthatha umhlalaphansi kuwe.
Ingabe umuntu oneminyaka engu-70 kufanele athenge impesheni? Ukutshala imali empeshenini engenayo kufanele kubhekwe njengengxenye yesu lilonke elihlanganisa izimpahla ezikhulayo ezingasiza ukwehlisa ukwehla kwamandla emali kukho konke ukuphila kwakho. Iningi labeluleki bezezimali bazokutshela ukuthi iminyaka engcono kakhulu yokuqala i-income annuity iphakathi kuka-70 no-75, okuvumela inkokhelo enkulu.
Ukwengeza Yiziphi izinhlobo ezi-4 zama-annuities? Kunezinhlobo ezine eziyisisekelo zama-annuities ukuhlangabezana nezidingo zakho: okushintshile okusheshayo, okuguquguqukayo okusheshayo, okumisiwe okungaguquki, kanye nama-annuity ahlehlisiwe aguquguqukayo. Lezi zinhlobo ezine zisekelwe ezintweni ezimbili eziyinhloko: ukuthi ufuna ukuqala nini ukuthola izinkokhelo nokuthi ungathanda ukuthi i-annuity yakho ikhule kanjani.
Ingabe u-Rrif ungcono kunemali yonyaka? Uma uphila kuze kube yiminyaka eyi-100, impesheni yakho inikeza "izinga lembuyiselo" elikhulu elilingana cishe no-7.5% i-RRIF. Kokubili ukuhoxiswa kwe-RRIF kanye nemali engenayo yempesheni ebhalisiwe kukhokhiswa intela ngendlela efanayo nangesilinganiso esifanayo embuthweni wakho wentela, ngakho ayikho inzuzo yentela ekukhetheni okukodwa uma kuqhathaniswa nokunye.
Ithini iholo elihle lanyanga zonke lomhlalaphansi?
Unalokho engqondweni, kufanele ulindele ukuthi uzodinga cishe amaphesenti angama-80 omholo wakho wangaphambi kokuthatha umhlalaphansi ukuze ubhekane nezindleko zakho zokuphila uma usuthatha umhlalaphansi. … Ngokusekelwe kumgomo wama-80%, ungalindela ukudinga cishe u-$96,000 emalini engenayo yonyaka ngemva kokuthatha umhlalaphansi, okuyisilinganiso $ 8,000 ngenyanga.
Ingakanani ibhalansi emaphakathi engu-401k kumuntu oneminyaka engama-65? Ibhalansi emaphakathi engu-401k Eminyakeni yobudala engama-65+ - $471,915; Isilinganiso - $138,436. Iminyaka evame kakhulu yokuthatha umhlalaphansi e-US yiminyaka engama-62, ngakho-ke akumangazi ukubona amanani ebhalansi angama-401k aphakathi nendawo eqala ukwehla ngemva kweminyaka yobudala engama-65.
Ngingakwazi ukuhoxisa ku-60 ngo-500k? Ngingakwazi ukukhipha u-$500k kanye Nezokuphepha Komphakathi? Yebo, ungakwazi! Isilinganiso sanyanga zonke sokungena kwe-Social Security Income ngo-2021 singama- $1,543 umuntu ngamunye.
Ngabe u-Suze Orman ucabangani ngama-annuities?
USuze: Angiyena umlandeli we-index annuities. Lawa mathuluzi ezezimali, athengiswa izinkampani zomshwalense, anjalo ngokuvamile ibanjwe inombolo emisiwe yeminyaka futhi ikhokhelwe ngokusekelwe ekusebenzeni kwenkomba efana ne-S&P 500.
Futhi Ingabe i-annuity iyayithinta i-Social Security? Imali etholwayo kuphela, iholo lakho, noma isamba semali engenayo evela emsebenzini wokuzisebenzela imbozwa i-Social Security. … Izinkokhelo zempesheni, ama-annuities, kanye nenzalo noma izabelo ezivela emalini oyilondolozile kanye nokutshalwa kwezimali akuzona amaholo ngezinjongo Zokuvikeleka Komphakathi. Ungase udinge ukukhokha intela yeholo, kodwa awuzikhokhi izintela Zokuvikeleka Komphakathi.
Ingakanani imali engu-$200 yonyaka ekhokhayo ngenyanga?
Ingakanani imali engu-$200,000 yonyaka ekhokhayo ngenyanga? I-annuity engu-$200,000 ingakukhokhela cishe u-$876 inyanga ngayinye impilo yakho yonke uma uthenge impesheni uneminyaka engama-60 futhi waqala ukukhokha ngokushesha.
Yini engalungile ngama-annuities? Izizathu zokuthi kungani ama-Annuities Enza Ukukhetha Kahle Kwezokutshalwa Kwezimali
Ama-annuity yizinkontileka zesikhathi eside ezinezinhlawulo uma zikhishwe ngaphambi kwesikhathi kakhulu. Ama-annuities emali engenayo adinga ukuthi ulahlekelwe ukulawula imali oyitshalile. Amanye ama-annuity athola inzalo encane noma engenamali. Imali engenayo eqinisekisiwe ayikwazi ukuhambisana nokwehla kwamandla emali ezinhlotsheni ezithile zama-annuities.
Yimiphi imiphumela emibi yama-annuities?
I-Upside Yakho Ingahle Ikhawulelwe. Uma uthenga i-annuity, unjalo ingozi yokuhlanganisa nabo bonke abanye abantu abathenga ama-annuity. Inkampani yomshwalense othenga kuyo impesheni ilawula leyo ngozi, futhi ukhokha imali yokukhawulela ubungozi bakho.
Obani ama-annuities alungele?
Ngokujwayelekile kufanele ucabangele i-annuity kuphela ngemva kokuba usukhokhele ezinye izimoto zokutshala izimali zokuthatha umhlalaphansi ezingenelwa intela, njengezinhlelo ezingu-401(k) nama-IRA. Uma unemali eyengeziwe ongayibekela umhlalaphansi, ukukhula kwempesheni okungenantela kungase kube nengqondo – ikakhulukazi uma ukubakaki bentela abahola kakhulu namuhla.
Kwenzekani ku-RRIF Lapho oshade naye eshona? Amanani atholwe ku-RRIF lapho kushona ikani likampesheli zidluliselwe ngokuqondile noma ngokungaqondile ku-RRSP yakho, ku-RRIF yakho, ku-PRPP yakho, ku-SPP yakho noma uzithengele impesheni efanele uma ubungumzuzi ofanelekayo wombuyiseli wezimali oshonile.
Ingabe i-RRIF ingaguqulwa ibe yimali yonyaka? Yebo - i-RRIF ingaguqulelwa ku-Annuity noma kunini. Izimali ezithile ezitshaliwe (isb. ama-GIC) zingase zikuphoqe ukuthi ulinde kuze kube yisikhathi sokuvuthwa ukuze ufinyelele izimali noma ubhekane nezinhlawulo. Ubuncane beminyaka Cha - abukho ubudala obuncane bokuthenga i-Annuity. Kumelwe uguqule i-RRSP yakho ekupheleni konyaka wekhalenda lapho uhlanganisa khona iminyaka engu-71.
Ngingakwazi ukuguqula i-RRSP yami ibe impesheni?
Ungasebenzisa izimali zakho ze-RRSP ukuze uthenge impesheni.
Umkhiphi wakho we-RRSP ngeke abambe intela emananini asetshenziselwa ukuthenga impesheni. Kungase kudingeke ukhokhe intela emalini engenayo lapho uqala ukuthola izinkokhelo. Faka lezi zinkokhelo njengemali engenayo entela yakho engenayo kanye nembuyiselo yenzuzo yonyaka oyitholayo.
Umuntu ojwayelekile osethathe umhlalaphansi uphila ngamalini ngenyanga? Ngokusho kwedatha ye-Bureau of Labor Statistics, "imizi emidala" - echazwa njengaleyo ephethwe umuntu oneminyaka engama-65 nangaphezulu - isebenzisa isilinganiso sama- $ 45,756 ngonyaka, noma cishe. $ 3,800 ngenyanga.
Liyini isheke Lokuvikeleka Komphakathi elimaphakathi?
Cabangela Inkokhelo Yokuvikeleka Komphakathi Emaphakathi
Isilinganiso senzuzo Yokuvikeleka Komphakathi ngu $1,657 ngenyanga ngoJanuwari 2022. Umhlomulo omkhulu ongaba khona Wokuvikeleka Komphakathi kumuntu othatha umhlalaphansi eneminyaka egcwele yokuthatha umhlalaphansi ngu-$3,345 ngo-2022.
Iningi labathathe umhlalaphansi liphila ngemali engakanani? Ukwephula Iholo Elimaphakathi Lomhlalaphansi ngo-2021
Iminyaka yasekhaya | Imali engenayo yaseMedian | Income Incazelo |
---|---|---|
Imindeni Eneminyaka engama-60-64 | $64,846 | $91,543 |
Imindeni Eneminyaka engama-65-69 | $53,951 | $79,661 |
Imindeni Eneminyaka engama-70-74 | $50,840 | $73,028 |
Imindeni Eneminyaka engu-75 nangaphezulu | $34,925 | $54,416 |
• Okthoba 1, 2021
Ingakanani imali umuntu waseMelika ojwayelekile athatha umhlalaphansi ngayo?
Ngokwalolu cwaningo olwenziwe yi-Transamerica Center for Retirement Studies, ukonga okumaphakathi komhlalaphansi ngeminyaka e-US ithi: Abantu baseMelika. eminyakeni engu-20: $16,000. Abantu baseMelika abaneminyaka engu-30 ubudala: $45,000. Abantu baseMelika abaneminyaka engu-40 ubudala: $63,000.
Ingakanani imali oyi-avareji yeminyaka yobudala engama-70 ekongeni? Ingakanani imali eyongiwe umuntu oneminyaka engama-70 ubudala? Ngokusho kwedatha evela ku-Federal Reserve, isilinganiso senani lemali yokonga umhlalaphansi kubantu abaneminyaka engama-65 kuya kwengama-74 ubudala enyakatho nje ye-$426,000. Nakuba kuyiphoyinti ledatha elithakazelisayo, ukonga kwakho kokuthatha umhlalaphansi kungase kuhluke kowomunye umuntu.