Na'urar lissafin annuity
Ku haɓaka tarin kuɗi da ajiya na yau da kullum, sannan ku lissafa kuɗin shigar da zai iya biya na shekaru da kuka zaɓa.
Game da Na'urar lissafin annuity
Ku haɓaka tarin kuɗi da ajiya na yau da kullum, sannan ku lissafa kuɗin shigar da zai iya biya na shekaru 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 annuity
Abin da yake lissafawa da lokacin amfani da shi
Yana gina tukunya tare da ajiya ta yau da kullum, sannan yana mayar da ita zuwa kuɗin shiga daidai na wata-wata na wasu shekaru.
Yadda ake amfani da shi, mataki-mataki
- Shigar da adadin farawa, ajiyar wata-wata da shekarun ajiya.
- Shigar da riba yayin ajiya.
- Shigar da shekarun da kuke son kuɗin shiga da riba yayin biya.
Ma'anar kowace shigarwa
- Shekaru na Ajiya – The accumulation phase.
- Shekaru na income – The payout phase.
Yadda ake karanta sakamako
- Kowane wata income – The level payment that uses the pot up at the end.
- Pot when income farawa – The Saura at the Ƙarshe na Ajiya.
Dabarar lissafi
Pot = PV × (1 + g)^n + PMT × ((1 + g)^n − 1) ÷ g. Income = Pot × r ÷ (1 − (1 + r)^−m), where g and r are monthly returns and m the number of payout months.
Misali da aka warware
20,000 plus 400 a month for 20 years at 6% builds a pot of 245,518. Paid out over 25 years at 4%, that gives 1,286.26 a month.
Zato da iyakoki
- Constant returns.
- A real annuity from an insurer depends on current rates, your age and health.
Kurakuran da aka saba yi
- Assuming insurer annuities are priced like a simple drawdown.
Tambayoyin da ake yawan yi
Shin wannan ainihin tayin annuity ne?
A'a. Yana kwaikwayon cire kuɗi da kanku har sai ya ƙare. Don kuɗin shiga tabbatacce na rayuwa, nemi tayi daga kamfanonin inshora.
Kayan aiki masu alaƙa
Cikakkun bayanai
- Pot when income farawa
- £245,518
- Jimilla deposits
- £116,000
- Jimilla income An biya
- £385,878
- Growth during payout
- £140,360