Na'urar lissafin biyan annuity
Kuɗin shiga daga dunƙulen kuɗi na wani ƙayyadadden lokaci, ko tsawon lokacin da dunƙulen kuɗi zai ɗauka a kuɗin shigar da kuka zaɓa.
Game da Na'urar lissafin biyan annuity
Kuɗin shiga daga dunƙulen kuɗi na wani ƙayyadadden lokaci, ko tsawon lokacin da dunƙulen kuɗi zai ɗauka a kuɗin shigar da kuka zaɓa.
Ɓangare ne na sashen “Ritaya” na SmartCalcy. Yana aiki a burauzar ku ba tare da asusu ba, yana amfani da kuɗinku da ma'aunanku (canza su a saman shafin), kuma yana ba da ƙiyasi don bayani kawai, don haka duba jagorar hukuma kafin ku dogara da sakamako.
Yadda ake amfani da Na'urar lissafin biyan annuity
Abin da yake lissafawa da lokacin amfani da shi
Yana lissafa kuɗin shigar da dunƙulen kuɗi zai iya biya a wasu adadin shekaru, ko tsawon lokacin da dunƙulen kuɗi zai ɗore a wani cirewa da aka zaɓa.
Yadda ake amfani da shi, mataki-mataki
- Zaɓi kuɗin shigar da zan iya ɗauka, ko tsawon lokacin da zai ɗore.
- Shigar da dunƙulen kuɗi da riba.
- Shigar da shekarun kuɗin shiga, ko cirewar wata-wata da duk wani ƙari na shekara.
Ma'anar kowace shigarwa
- Return – Kowace shekara growth on the remaining pot.
- Kowace shekara ƙaruwa a withdrawals – Increases the withdrawal Kowanne shekara, akan Misali with inflation.
Yadda ake karanta sakamako
- Kowane wata income – The Mataki payment.
- Your money lasts – The months until the pot runs out.
Dabarar lissafi
Income = Lump × r ÷ (1 − (1 + r)^−m) for r = monthly return, m = months. The duration is found by stepping the balance forward month by month: balance × (1 + r) − withdrawal.
Misali da aka warware
A lump sum of 300,000 at 4% paid out over 25 years gives 1,571.69 a month, or 18,860 a year. The first-year withdrawal is 6.29% of the pot.
Zato da iyakoki
- Constant returns.
- Withdrawals are at the Ƙarshe na ta each mon.
Kurakuran da aka saba yi
- Choosing a withdrawal kashi that shi ne too high akan a long retirement.
Tambayoyin da ake yawan yi
Idan ribar ta rufe cirewar fa?
Tukunyar ba za ta taɓa ƙarewa ba a wannan samfuri kuma kayan aikin yana faɗin haka.
Kayan aiki masu alaƙa
Cikakkun bayanai
- Jimilla An biya out
- £471,507
- Kuɗin ruwa earned along the way
- £171,507
- Share of the pot taken each year, first year
- 6.29%