Kuronga Imba nekupa kupa zvipo mupfungwa
Wakaona matanho kubva kuAARP uye Reports Consumer; ndakatumira tsamba kubva kune yako alma mater uye iyo isingabatsiri iwe unopa gore negore.
Chii chine chipo chechipo chine annuity?
Dzimwe nguva inonzi "Mapato Ezvokuwana Upenyu," zvinenge zvese zvikurusa zvisingabatsiri zvinoshambadzira kuzivisa zvipo zvechipo zvechipo senzira yekubatsira sangano iro basa raunoda kutsigira uye senzira yekuisa mari yakachengeteka nekudzoka kunofanirwa.
Asi iwe unofanira kutora bhiza here? Aya marudzi e annuities haasi evanhu vose, asi anogona kukwezva kune vanhu vari pedyo nekurasikirwa avo vanochengetedza hupenyu hwakanaka kana zvikwereti uye mafungiro asina kunaka.
Izvo zvipo zvekugadzirisa zvinoshanda sei
Iwe unopa chipo chemari, chekuchengetedza kana zvimwe zvinhu kune rudo. Inopinda mu annuity iyo inobhadhara chikwereti chechibereko chakatenderedzwa chaive chakapoteredza 5-9% pagore kune vanobatsirwa (iwe nomudzimai wako kazhinji). Paunouraya, iyo isingabatsiri inobata kuchengeta chero chii chakasara chemari yekutanga.
IAmerican Council pamusoro pezvipo zvekupa zvipo zvinotarisa mitero inotungamirira mari yekubhadhara mari. Izvi zvakagadzirirwa kuitira kuti zvisizvo zvisingabatsiri zvipedze nehafu yepanopa mupiro wekutanga.
Charitable annuities inowanzobhadhara pane imwe nguva, kazhinji 50 uye pamusoro. Chikamu chemari yekubhadhara chikwereti hachina mutero, uye iwe unogona kutora kubhadhara mutero wekusarudzwa kwemutero wechipo.
Iwe unogonawo kubhadhara mari inobhadharwa inotengeswa pamatokari kana pfuma yaunofarira pamusoro pekutarisira hupenyu hwako panzvimbo yekubhadhara mari inowanikwa mutero nokukurumidza nenzira yaunoda kana ukatengesa iyo pfuma kune zvimwe zvinangwa.
Chii chatinofanira kutarisa nacho
Chipo gore rinosanganisira kushandiswa kusinganzwisisiki kwezvinhu. Iwe haugone kuwana chipo chako shure kana iwe uchibhadhara annuity. Iwe unobatanidzwawo nechiyero chekufarira kana iwe uchibhadhara annuity. Izvo hazvizokwira apo zvikwereti kana kutengesa kwezvishoma kunokwira.
Kune rumwe rutivi, chikwata chekufarira hachizoperi kana, uye iwe unowana kutsigira sangano rinodikanwa kana chinokonzera.
Vanopa mari vanogona kugamuchira mitsva pakarepo (kunyange vazhinji vasina ruzivo vasingabvumiri mari kusvikira iwe wava kupfuura 55) kana kutarisa zvikwereti kusvikira gare gare. Iwe mukuru, iwe uri wepamusoro. Zvamunogamuchira zvinotarisawo kana iwe unochengetedza chipo annuity iwe pachako kana kusanganisira wako wako.
Kana iwe uchinonoka kubhadhara chikwereti, kubvisa mutero kunogona kutorwa iwe paunopa chipo, uye chipo chinogona kuonga pasina kutererwa.
Iwe unogona kutarisa webhusaiti yeAACGA kuti uone kuti zviyero zvakadini zvino zvakakurudzirwa.
Zvipo zvekupa zvipo zvinowanzobhadharwa nemari shomanana mupiro we $ 5,000- $ 10,000. Chipo chechipo chinogona kushandiswa kana kuti hachikwanisi kubhadhara pamwe chete nekutengeserana annuities, zvichienderana nehuwandu hwechirongwa chemahara.
Zviwanikwa zvinotsigirwa nehupfumi hwezvinhu, saka iwe unofanirwa kunyatsotsvaga simba rezvemari rechiremba iwe usati wabhadhara chikwereti. Kumbira masangano maererano nehuwandu hwavo hwemari uye yezvinyorwa zvezvimwe zvinokanganisa annuities. Chipo annuity chinokanganisa, nekuda kwekushaya insolvency, hachiwanzo, zvakadaro.
Iwe unofanirwa kubvunzurudza mutungamiri wako wezvemari, mutori wenhau, kana gweta kuti uone kuti chipo annuity inoshanda zvakakunakira iwe.
Chii chinotungamirirwa nekutungamirirwa?
Chirongwa chekutungamirirwa nehutungamiri chipo chekupa ruzivo uye nzvimbo yekugadzira nzvimbo.
Munhu anopa mari anogona kutamisa zvinhu, zvakadai semari, mashizha, uye mhizha, kuvimba kwehemberero yemakore. Gore roga roga, kubhadhara kunowanikwa kubva kuvimbiti kune chairo chairo chavanopa.
Iyo inonzi mutungamiri wekutenderera nokuti rudo runokodzera kutungamira (kana kuti kutanga) kufarira mune zvinyorwa zvekutendesa, uye munhu asingabatsiri anobatsirwa anowana zvasara (kana yechipiri-in-line) interest.
Kana imwe nguva yekutenderera yapera, izvo zvakasara zvinowanikwa kune vagari venhaka yavanopa vasingabhadhari zvipo zvepa federal nematoro ematoro. Zviri pachena kuti kushandisa shandura iyi kune zvikomborero zvakakosha kune mupi uye vagari venhaka, asi iyo inzirawo yekutsigira musingabatsiri, sezvakaita your alma mater, kuti uwedzere kutsvakurudza mune chimwe chirwere, kana kutsigira sangano rekodzero dzevanhu.
IRS inotarisa mukana wekuti zvinhu zvinotarisirwa kukura mukutenda. Ichi chiyero chinonzi "chipingamupinyi" kuyerwa nevakaronga varidzi nokuti chero zvipi zvayo zvinopfuura izvo zvingawanzopfuura kune vagari venhaka vasingabhadhari.
Mutengo wacho unogadziridzwa mwedzi nemwedzi ne IRS asi inoramba yakachengetwa mukati kwenguva yakareba ye trust.
Mhando mbiri dzezvitendero zvinotungamira
Nzira dzekutungamira dzinofanirwa ndeyemhando mbiri: charitable lead annuity trust uye charitable lead unitrusts . Mutsva yekutanga, mupiro anogadza chipo chakatarwa gore negore kune zvipo zvinotumidzwa zvinodanwa. Mune unitrust, zvipo zvinowanikwa chikamu chekutendesa kwegore negore. Izvi zvinoreva kuti izvo zvikomborero zvichabva zvichichinja zvichienderana nekutsvaga kwekutengeswa kwemari kana kudzoka.
Zvivimbiso zvemari ndezvinyanya kuzivikanwa nokuti zvipo zvezvipo zvinogadziriswa. Mune unitrust, zvinhu zvinokura, uye chikamu chinoenda kune rudo chinoshandisa mari yakawanda, zvichibva zvasiya vashoma kune vagari venhaka.
Mitero inoshanda sei nehutungamiri anotungamirira mutendi
Munhu anopa mvumo yega yega yekutendwa inogona kutora mari yepamusoro -kubhadhara mutero zvichienderana nekubhadhara kwekutenda kune rudo. Mupiro angasarudza kurega kubviswa ikoko, zvisinei, nokuti zvinoda mupi wekubhadhara mitero pane zvakakosha zvekutsvaga mari.
Kudzokera kumunhu anotungamira anotungamirirwa
Nzira dzomutungamiri dzinobatsira dzinogadziriswa. Kana uchinge waisa zvinhu kana mari mukati, hazvigoni kubviswa. Kana iyo yekuvimba kwezvinhu ichidzika pasi muhutengo, mari yakasara kune vagari venhaka ingave yakaderera nokuti chivimbo chinofanira kuita chekubhadhara chairo pasinei nokuti misika iri kuitei.
Mari iyo inoenda kune vagari venhaka ndiyo chipo chinobhadhara uye inoderedza mutero wako wemutero.
Nguva yekutengesa inokosha pakugadzira Charitable Lead Trust. Tsvaga mugadziri wenzvimbo kuti uone kuti iri mune zvaunofarira uye yevadyi venhaka yako.
Ichi chinyorwa chinongova nechinangwa chekuziva. Hazvirevi kuti uve mazano epamutemo. Chengetedza dzimwe nzvimbo, dzakadai seRIS, uye bvunzurudza nemutemo wepamutemo kana kuti mutengesi.