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.
Ngokufanayo, Ibiza malini i-1000 ngenyanga ngonyaka? Njengesiqhathaniso, izindleko zephrimiyamu esheshayo eyodwa ezingakukhokhela u-$1,000 ngenyanga inqobo nje uma usaphila cishe $ 185,000.
Iyiphi iminyaka engcono kakhulu yokuthenga 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 phakathi kwe-70 ne-75, okuvumela inkokhelo enkulu.
Ngingakugwema kanjani ukukhokha izintela kuma-annuities? Awukweleti intela yemali engenayo emalini yakho yonyaka uze ukhiphe imali noma uqale ukuthola izinkokhelo. Lapho uhoxiswa, imali izokhokhiswa intela njengemali engenayo uma uthenge impesheni ngemali yangaphambi kwentela. Uma uthenge i-annuity ngemali yangemva kwentela, ubuzokhokha intela kuphela enzuzweni.
Okwesibili 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.
Yini engcono kune-annuity yomhlalaphansi?
Ezinye zezindlela ezithandwa kakhulu esikhundleni sama-annuities angashintshi amabhondi, izitifiketi zediphozithi, izikhwama zeholo lomhlalaphansi kanye namasheya akhokha izabelo. Njengama-annuities angaguquki, ngalunye lwalezi zimali lubhekwa njengengcuphe ephansi futhi lunikeza imali engenayo evamile.
bese umbhangqwana ungakhipha amaRandi ayizigidi ezingu-1? Ucwaningo lwakamuva luthole ukuthi iqanda lesidleke somhlalaphansi lika-$1 million lizohlala cishe iminyaka engu-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. Kodwa-ke, lesi silinganiso sihluka kakhulu ngokuya ngenani lezici ezahlukahlukene.
Ubani okungafanele athenge impesheni? Akumele uthenge i-annuity uma Ukuvikeleka Komphakathi noma izinzuzo zempesheni khokhela zonke izindleko zakho ezijwayelekile, ungaphansi kwesilinganiso sempilo, noma ufuna ubungozi obukhulu ekutshaleni kwakho imali.
Ingabe kufanele ngithenge impesheni ngineminyaka engu-40?
Ngamafuphi, phakathi kwe iminyaka yobudala engama-40 kanye nengama-70 ngokuvamile iyibanga elifanelekile. Ayikho indlela yokuyizungeza, ukuze i-annuity isebenze ngokugcwele, udinga ukuyiyeka ihlale futhi iqongelele (imvamisa cishe iminyaka eyi-10). … Uma usheshe ukhipha imali yakho empeshenini, yilapho izoba phezulu inkokhiso yokunikezela.
Ingabe i-annuity ibalwa njengeholo lokuvikeleka komphakathi? 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.
Ngabe impesheni iyithinta kanjani izinzuzo Zokuvikeleka Komphakathi?
I-Social Security ayizibali izinkokhelo zempesheni, ama-annuities, noma inzalo noma amadividendi kusukela ekongeni kwakho nokutshalwa kwezimali njengenzuzo. Lezi zinkokhelo azehlisi izinzuzo zakho zokuthatha umhlalaphansi Zokuvikeleka Komphakathi.
Ingakanani imali yami ekhokhelwa intela? Itiye ingxenye eyinhloko yenkokhelo yakho ayinayo intela futhi ihlukaniswe ngokulinganayo phakathi kwezinkokhelo ozilindele, kuyilapho ingxenye yenzuzo intela njengemali engenayo evamile. Kodwa yithi uphila uze ube neminyaka engama-95. Ngaleyo minyaka “eyengeziwe” emihlanu, izinkokhelo zakho ezigcwele zizokhokhiswa intela njengeholo elijwayelekile, uma kubhekwa ukuthi uthishanhloko uphelelwe amandla.
Yini engalungile ngama-annuities?
Izizathu zokuthi kungani ama-Annuities enze Izinketho zokutshala izimali ezimbi
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.
Iyiphi i-annuity ekhokha inzalo ephezulu? Izilinganiso Ezinhle Kakhulu Zonyaka ka-2022
- Okuhle Kakhulu Sekukonke: Ukwethembeka.
- I-Best Fixed Indexed Annuity: Allianz.
- I-Annuity Eguquguqukayo Engcono Kakhulu: I-New York Life.
- I-Best Straight Life Annuity: USAA.
- Iminyaka Engcono Kakhulu Yesikhathi Esithile: I-Mass Mutual.
- I-Multi-Year Guaranteed Annuity ehamba phambili: I-American National.
Ingabe imali engenayo yonyaka 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.
Iluphi uhlobo oluphephe kakhulu lwemali yonyaka?
Impesheni engaguquki zingenye yezimoto eziphephe kakhulu zokutshala izimali ezitholakalayo. … Amazinga empesheni angashintshi avame ukuba phezulu kancane kunalawo ama-CD noma amabhondi okulondoloza. Lokhu kungenxa yokuthi abadayisi bomshwalense batshala izimpahla zempesheni kuphothifoliyo yengcebo yase-US noma amanye amabhondi esikhathi eside kuyilapho bethatha yonke ingozi.
Kungani ama-annuities engalungile? Izizathu zokuthi kungani ama-Annuities Enza Ukukhetha Okubi Kwezokutshalwa Kwezimali
Ama-annuity yizinkontileka zesikhathi eside ezinezinhlawulo uma kukhishwe imali kusenesikhathi. 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.
Ithini iholo elihle lanyanga zonke lomhlalaphansi?
Imali yokuthatha umhlalaphansi emaphakathi yabantu abadala ilinganiselwa ku-$24,000; noma kunjalo, imali engenayo ingaba phezulu kakhulu. Ngokwesilinganiso, abantu abadala bayahola phakathi kuka- $ 2000 no- $ 6000 ngenyanga. … Kunconywa ukuthi wonge imali eyanele ukuze ubuyisele u-70% weholo lakho lanyanga zonke ngaphambi kokuthatha umhlalaphansi. Lokhu kusebenza cishe izikhathi eziyi-10-12 kunemali oyenzayo ngonyaka.
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.
Umuntu ojwayelekile uthatha umhlalaphansi ngemali engakanani?
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.
Kungani ungalokothi uthenge i-annuity? Imali engenayo yonyaka zidinga ukuthi ulahlekelwe ukulawula imali oyitshalile. … Imali engenayo eqinisekisiwe ayikwazi ukuhambisana nokwehla kwamandla emali ezinhlotsheni ezithile zama-annuities. I-annuity ingase ingabahlinzeki ngenzuzo yokufa kubahlomuli bakho. Ama-Annuities ahlinzeka ngemali evamile kodwa elinganiselwe, ngezinye izikhathi ayikho nhlobo.
Ngabe uSuze Orman uyayithanda impesheni?
Zuze: I'Angiyena umlandeli we-index annuities. Lezi zinsimbi zezezimali, ezithengiswa izinkampani zomshuwalense, zivame ukubanjwa iminyaka ethile ebekiwe bese zikhokhwa ngokususelwa ekusebenzeni kwenkomba efana ne-S & P 500.
Ungakwazi yini ukulahlekelwa imali nge-annuity? Abanikazi be-Annuity bangalahlekelwa yimali i-annuity eguquguqukayo noma ama-annuity axhumene nenkomba. Kodwa-ke, abanikazi abanakukwazi ukulahlekelwa yimali empeshenini esheshayo, i-fixed annuity, i-fixed index annuity, imali engenayo ehlehlisiwe, impesheni yokunakekela yesikhathi eside, noma i-Medicaid annuity. Ungalahlekelwa yimali nge-Annuity eguquguqukayo.