Akachengetwa MaAkwi AAset
Account Prudential's Alliance Account is a type of retained asset account .
Kuchengetwa kwebasa rekushandisa kwakave kwakashandiswa nevhutsi vehupenyu kubvira pakati pe1980. Izvo zvakasimbiswa sechimwe chikwereti chemari yekubhadhara yakaitwa kuburikidza nehomwe yebhangi. AAsset rekuchengetedzeka ibhuku rekucherechedza kambani yakagadzirwa nemubhizimisi yekubhadhara mari. Iyo inshuwarisi inotanga nhoroondo muzita remubatsiri uye inobva yaisa mari yeinishuwarenzi yeupenyu. Munhu anobhadhara mari yacho anotora mari yacho nekunyora cheki panhoroondo yacho.
Rakachengetwa reAsset account rinogona kubatsira kana mupukunyuka akashungurudzika pakufa kwemumwe wemumhuri kuti aite zvisarudzo zvekutsvaga. Munhu anobatsirwa anogona kusiya mari iri munhoroondo kusvikira iye akagadzirira kuita zvisarudzo. Mupona anogona kubvisa chero ipi zvayo kana mari yose panguva ipi nekunyora cheki.
Vatsigiri vanoita mari yekuchengetedza ma-actif account kuburikidza nekuita mari inobata munhoroondo. Iko mari inowanikwa pazvikwereti zvavo yakakwirira zvakanyanya kudarika mitengo yavari kubhadhara kune vati venyaya.
Kukanganisika
Kune vanobatsirwa, kuchengetwa kwekodhi yemabhuku kune zvimwe zvisingabatsiri.
- Low Interest Rate Yechikwereti chechikwereti chabhadharwa paakachengetedzwa neAset account chakanyanya kwazvo. Chiitiko chaicho chinokwana .5%. Vabatsiri vanogona kuwana mari iri nani kuburikidza nekuendesa mari muchikwereti chekuisa mari, mari yemusika mari kana zvimwe zvekubhadhara mari.
- Kwete FDIC Mari Inopihwa Mari yakachengetwa nekambani yeinishuwarenzi haisi inshumo neDFIC. Kunyange zvakadaro, nyika dzakawanda dzine chechi ye guaranty iyo ichadzivirira muiti wekambani kana iyo inshurenzi inopedzisira ichinyorwa kana kuti isingakwanisi kubhadhara mari.
- Kwete Chechokwadi Kuchengeta Aunti Yenyaya yakagadziriswa yeasset haisi yechokwadi chekuona gwaro. Nokuda kwechinhu chimwe chete, "check" ingangodaro, iyo vatengesi vangave vasingabvumi mukutsinhana kwekutenga. Chechipiri, vateereri vekambani havagoni kuisa mari, vanoti kubva pabhadharo, kupinda muakaunti.
- Kupera kwekutsvaga Muparidzi anoda kushandisa mari yose pakarepo anofanira kumirira kusvikira iyo yakagadzwa uye iye akagamuchira cheki kubva kune inshuwarisi.
US Poverty Life Policies
Prudential administers boka remishuwarenzi yehupenyu hwematongerwo enyika akatengwa nemabasa uye maimbova nhengo dzeuto reUnited States. Iyi mitemo inotengeswa neDhipatimendi reVeteran Affairs (VA) reUnited States. Nhengo dzinoshanda dzakachengetwa pasi peBuricemembers Group Life Insurance (SGLI) purogiramu. Veterans vanochengeteka pasi peVeterans Group Life Insurance (VGLI) purogiramu. Prudential yakaronga zvirongwa izvi kubva muna 1965.
Kusvikira muna 2009, chibvumirano chakanyorwa pakati pePrudential neA VA chakatsanangura kuti kana mubhadhari pasi peSGLI kana VGLI akakumbira kubhadhara mari, kubhadhara kwaizoitwa kuburikidza nehomwe chete.
Zvisinei, muna 1999 Prudential akatanga kugovera zvikwereti zvinyorwa muAlliance Accounts kuburikidza neshoko rechibvumirano neva VA Beneficiaries vakakumbira kubhadhara mari yekufungidzira vaifunga kuti vaizowana cheki yemari yakazara. Pane kudaro, vakagamuchira bhokiti uye ruzivo pamusoro peAlliance yeAlliance.
Muna 2009 chibvumirano chemashoko chakabvumira kushandiswa kweAlliance Accounts chakanyorwa. Izvi zvakakonzera mhirizhonga. Prudential uye VA vaipomerwa kuti vanoita zvinyengeri uye kushandisa zvakasara vanoponeswa navashumiri. Vakatsoropodzwawo nokuda kwekuisa zvikwereti pangozi nekuvaisa munhoroondo dzisina inshumo neCDC.
Current Benefits Policies
Mukupera kwegore ra2010, VA uye Prudential vakashandura nzira nzira dzinobhadharwa. Vakabhadhara iye zvino vane zvingana zvingasarudzwa kubva paunenge uchitsvaga rubatsiro.
Vanogona kubhadhara chikwereti pane chero chipi chinotevera:
- An Account Alliance
- Kodhidhiyo inopinda mubhadha rebhangi
- Chengetedza chikwereti chemari
- Zvinyorwa zvebhadharo kwemwedzi 36
Kana uyo akawana mari asingaiti chisarudzo, Prudential ichaisa mari yacho muAlliance Account.
Mhosva
Muna 2014 Prudential akagadzirisa kirasi-kutongwa kwe $ 39.2 mamiriyoni. Vaya vaipomera vakati Prudential yaiputsa mutemo wehurumende, uye yakaputsa zvose kontrakiti uye basa rayo rekuchengetedza vashandi. Prudential vakaramba zvikwanganiso asi vakagadzirisa sutu kuti vasapedze mari yekutonga.
Vamwe vatsigiri vehupenyu vakagamuchirwa pamusoro pekushandiswa kwekuchengetedzwa kwemakambani e-aseset. Migumisiro yakave yakasanganiswa. Vatsigiri vakawana mamwe mamiriro uye vakarasikirwa nevamwe. Muna 2014 Dare Repamusorosoro reUnited States rakaramba kubvunzurudza chisarudzo nedare rezasi rakatonga mu inshuwarisi. Munguva iyi, vazhinji vehutsigiri vehupenyu vari kushandisa kuchengetwa maakafa easset kuti vaparidzire zvikwereti. Zvibatsiro zvemishuwarenzi yehupenyu zvinogona kudzivisa maakare aya nekusarudza imwe nzira yekubhadhara.