pagore negore

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Chii chinonzi annuity?

Mari yebhangi uye mabhangi anoshandisa izwi pagore negore sekucherechedza zvikwereti zvakakodzera uye kushandiswa kwemakore ekuverengwa kwechido uye kushandiswa kwemari. Iri shoko rinouya kubva muchiLatini uye iwe unogona kufungidzira muchikamu chei shoko iri rinofanira kutaridzwa. Annus zvinoreva gore rechiLatin uye gore rinoshandiswa kuverenga kufarira uye kubhadhara kwegore. Mune chikwereti chechikwereti kuti chibhadharwe uye kubhadharwa kwayo, chikwereti chakasara chinowanikwa. Zvikwereti zvemari ndeyezwi remutauro iyo nenzira dzakawanda inoratidza kuti kufarira nekubhadhara kunofanira kuverengwa zvakajeka sei.

The chikwereti kana zvakakodzera zvikwereti kuderera wegore kumhanya nguva uye imi pakupedzisira vanoziva kukosha mwero pamwedzi kuti rinoumbwa mubereko uye wechikoro. Kana mutsividzo kunokosha kuziva sei chemhosva uye kufarira akatambanudza zvakaenderana pamusoro izwi rine gore pachake. Muchiyero ichi chemari, iyo yakarongeka uye yakarongerwa kuenzaniswa kwemari, iyo inosanganisirawo mubereko wekuda, chigumisiro. Zvesheni hazvikwanisi kubhadharwa neakwereta panguva yegore rimwe chete. Mutengo weMwedzi unofanirwa kuve wakareruka uye ichi chiyero chegore rinowanikwawo zvinoenderana nehuwandu hwechikwereti. Kuchinja kwemwedzi kwechiyero ichi ndechekusingaperi pane kupera. Izvi zvinotevera kubva notional yavaive ari chemhosva kuronga uye pano ari kunyatsotaura dzaona sezvo chikwereti pamusoro yose yakabvuma izwi haazvibati. Funga gore kuzopiwawo zvino kugara kubhadhara zvose kuti kuramba, mwero inoramba yakafanana, asi guta guru chinhu chakachinja kuti mubereko mugove. Kuti vave nechokwadi kuronga yakarurama chikwereti karukureta rinoshandiswa, iyo inokurudzira chaiwo prices apo, gore negore, Semi-pagore, pamwedzi uye yose nguva dzaona mubereko uye wechikoro. Saka iwe unogona kunyatsojekesa kuti ingani maawa emwedzi pamwedzi iwe waunoda kubhadhara uye kuti unoona sei nguva yengoro.

Kufarira uye kubhadhara kwe annuity

zvino iwe uchagona kuita nyore basa, nekuti iwe ikozvino kuziva chaizvo chii chinoita kuti pagore negore munhu chikwereti kana zvikwereti. Runtime uye chikwata chechibereko chinokonzera matanho aya, uye izvi zvinoratidzira annuity. Ngatitorei rinoshanda muenzaniso, akadai chikwereti icho hazviwanzoitika nokuripira kwaMwari chikamu 1% of chikwereti uye unoenderana residual chikwereti pakuverengwa pamusoro guru chikamu Runtime kamwe. ari pagore negore inowanzoshandiswa nokuda kworudzi urwu rwenguva refu yekubhadhara mari. Muchikwereti ichi, chikamu chinowanika chinogona kuchinjwa nenzira yakasiyana, nokudaro kushandura chokwadi chegore. Ichi ndicho chimiro chezvikwereti zvezvikwereti izvi uye pano pane imwe chivako kana imba yekubhadhara mari, inowanzoitawo nezvemari yakawanda. Zvisinei, pamusoro pehuwandu hwenyika, chikamu chekubhadharwa kwekubhadhara pamutengo wemwedzi wega wega uye unocherechedza kuti hurongwa huno hunoita sei pakuverenga. Kunyanya kubhadhara zvikwereti izvo zvakagamuchirwa nehuwandu hwemari, zvichiita kuti kuverenga kwechiyero ichi chive chinhu chinokosha chekupa mazano. Nhasi, chido chekufarira chikaderera zvikuru iye zvino uye kunyanya nekutora chikwereti chemari uye kutengesa imba, izvi zvakanaka kwazvo pakushandiswa kwe annuity uye kuverenga kwayo.

Investment kukurudzirwa kuburikidza ne annuity chikwereti

Iyi chikwereti uye zvikwereti zvinonyanya kukodzera muhutano hwekutsvaga uye muzvikwereti zvekutsvaga mari inobhadharwa nemari. Izvi zvine chokuita nekuderera uye kubhadhara mutero kune mhindu yezvikwereti kune zvikwereti uye chikwereti. Iwe semunhu akakwereta nguva dzose unobatsirwa nekuverenga pachena uye kwakarurama kwegore iri. Izvi zvikwereti zvakare zvinowanzodiwa, nokuti iyi ndiyo nzira yakanakisisa yekuwana chikwereti chakanakisisa ne annuity. Vanoonawo nekukurumidza pavanokurukura annuity kuti idzi data uye kuverenga kwemazinga, vane zvakakosha zvikuru. Zvose zviri pachena zviri muurongwa hwekudzikinura uye rudzi urwu rwechikwereti naizvozvo hunofungidzirwawo kuti rwakachengeteka. Mari yekuwana mari inowanikwa muhuwandu uye zvinyorwa zvakajeka pamusoro pekwereti chikwereti chemunhu akakwereta zvinogonawo kuitwa pano.

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