{"id":6931,"date":"2025-02-25T14:12:17","date_gmt":"2025-02-25T22:12:17","guid":{"rendered":"https:\/\/www.dognmonkey.com\/svlifevn\/?p=6931"},"modified":"2025-04-19T14:20:04","modified_gmt":"2025-04-19T21:20:04","slug":"life-insurance-annuity","status":"publish","type":"post","link":"https:\/\/www.dognmonkey.com\/svlifevn\/life-insurance-annuity.html","title":{"rendered":"Life Insurance, Annuity"},"content":{"rendered":"

\"\u0110\u1ea7u<\/a><\/p>\n

H\u00f4m nay m\u00ecnh mu\u1ed1n vi\u1ebft l\u1ea1i b\u00e0i n\u00e0y \u0111\u1ec3 chia s\u1ebb nh\u1eefng g\u00ec m\u00ecnh \u0111\u00e3 v\u00e0 \u0111ang l\u00e0m t\u1eeb h\u1ed3i l\u1eadp gia \u0111\u00ecnh. M\u00ecnh hay d\u00f9ng c\u00e2u \u201cfail to plan, plan to fail<\/b>\u201d, ngh\u0129a l\u00e0 trong \u0111\u1eddi s\u1ed1ng, nh\u1ea5t l\u00e0 gia \u0111\u00ecnh, ph\u1ea3i c\u00f3 m\u1ee5c ti\u00eau, k\u1ebf ho\u1ea1ch, v\u00e0 \u0111\u1ed3ng v\u1ee3 \u0111\u1ed3ng ch\u1ed3ng \u0111\u1ec3 ti\u1ebfn t\u1edbi. H\u1ea1nh ph\u00fac s\u1ebd \u0111em t\u1edbi sung t\u00fac v\u00e0 trong h\u1ea1nh ph\u00fac s\u1ebd kh\u00f4ng c\u00f3 \u201canh l\u00e0m h\u1ebft \u0111i\u201d ho\u1eb7c \u201c\u0111\u00f3 l\u00e0 vi\u1ec7c c\u1ee7a em\u201d, c\u00f9ng nhau l\u00e0m v\u00e0 gi\u00fap \u0111\u1ee1 nhau ti\u1ebfn t\u1edbi h\u1ea1nh ph\u00fac v\u00e0 sung t\u00fac.<\/em><\/p>\n

Trong \u0111\u1eddi s\u1ed1ng M\u1ef9, b\u1ed1 m\u1eb9 t\u1ed1t s\u1ebd t\u1ef1 lo cho m\u00ecnh khi v\u1ec1 gi\u00e0 thay v\u00ec tr\u00f4ng ch\u1edd v\u00e0o con c\u00e1i l\u1edbn \u0111\u1ec3 nu\u00f4i v\u00e0 lo cho m\u00ecnh t\u1eeb t\u00e0i ch\u00e1nh t\u1edbi khi m\u1ea5t \u0111i. \u0110\u1eddi s\u1ed1ng \u1edf M\u1ef9 th\u1eadt ra kh\u00f4ng d\u1ec5 cho ng\u01b0\u1eddi tr\u1ebb n\u1ebfu kh\u00f4ng \u0111\u01b0\u1ee3c d\u1ea1y d\u1ed7 v\u00e0 d\u1eabn d\u1eaft k\u1ef9 c\u00e0ng t\u1eeb gia \u0111\u00ecnh t\u1edbi x\u00e3 h\u1ed9i.<\/em><\/p>\n

Con c\u00e1i l\u1edbn s\u1ebd l\u1eadp gia \u0111\u00ecnh v\u00e0 gia \u0111\u00ecnh l\u00e0 gia \u0111\u00ecnh c\u1ee7a t\u1ee5i nh\u1ecf ch\u1ee9 kh\u00f4ng ph\u1ea3i c\u1ee7a m\u00ecnh n\u00ean hai v\u1ee3 ch\u1ed3ng ph\u1ea3i b\u00e0n t\u00ednh k\u1ef9 l\u01b0\u1ee1ng cho khi v\u1ec1 gi\u00e0, c\u00f9ng nhau h\u01b0\u1edfng v\u00e0 th\u1ec9nh tho\u1ea3ng v\u1edbi con c\u00e1i tr\u01b0\u1edfng th\u00e0nh.<\/em><\/p>\n

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  1. Vi\u1ec7c \u0111\u1ea7u ti\u00ean l\u00e0 lo \u0111\u00e1m tang cho hai v\u1ee3 ch\u1ed3ng tr\u01b0\u1edbc, b\u00e0n t\u00ednh mua tr\u01b0\u1edbc d\u1ecbch v\u1ee5 v\u00e0 tr\u1ea3 tr\u01b0\u1edbc \u0111\u1ec3 t\u1edbi ng\u00e0y m\u00ecnh \u0111i, con c\u00e1i kh\u00f4ng ph\u1ea3i lo g\u00ec c\u1ea3. M\u00ecnh v\u00e0 b\u00e0 x\u00e3 th\u00ec s\u1ebd \u0111\u01b0\u1ee3c cremate thay v\u00ec ch\u00f4n c\u1ea5t v\u1edb v\u1ea9n, c\u00e1i x\u00e1c kh\u00f4ng h\u1ed3n nh\u00ecn kh\u00f4ng \u0111\u01b0\u1ee3c \u0111\u1eb9p, th\u00e0nh b\u1ee5i tro th\u00ec t\u1ed1t h\u01a1n. M\u00e0 m\u00ecnh s\u1ee3 nh\u1ea5t l\u00e0 b\u1ecb ch\u00f4n r\u1ed3i nh\u1eefng con v\u1eadt ban \u0111\u00eam v\u00f4 h\u1ecfi chuy\u1ec7n LOL.<\/em><\/li>\n
  2. Khi v\u1ec1 h\u01b0u, ph\u1ea3i c\u00f3 \u0111\u1ee7 ti\u1ec1n s\u1ed1ng cho t\u1edbi ng\u00e0y m\u1ea5t \u0111\u1ec3 con m\u00ecnh kh\u00f4ng ph\u1ea3i b\u1ecf th\u00eam ti\u1ec1n v\u00e0o nu\u00f4i m\u00ecnh. Th\u00ec t\u1edbi chuy\u1ec7n v\u1ec1 h\u01b0u, ph\u1ea3i b\u00e0n t\u00ednh k\u1ef9 l\u01b0\u1ee1ng. B\u00e2y gi\u1edd theo th\u1ed1ng k\u00ea th\u00ec n\u1ebfu s\u1ed1ng tr\u00ean 60 tu\u1ed5i m\u00e0 nh\u00e0 kh\u00f4ng c\u00f3 ai b\u1ecb cancer, b\u1ec7nh t\u1eadt di chuy\u1ec1n th\u00ec \u0111a s\u1ed1 s\u1ebd s\u1ed1ng t\u1edbi 85, v\u00e0 c\u00f3 th\u1ec3 t\u1edbi 95. Tu\u1ed5i v\u1ec1 h\u01b0u ch\u00ednh l\u00e0 67-70. Ngh\u0129a l\u00e0 l\u00e0m cho t\u1edbi 70 tu\u1ed5i, \u0111\u00f3ng thu\u1ebf \u0111\u1ea7y \u0111\u1ee7 \u0111\u1ec3 c\u00f3 Social Security. Ti\u1ec1n h\u01b0u trong 401k, IRA, ROTH IRA ph\u1ea3i c\u00f3 \u0111\u1ee7 \u0111\u1ec3 h\u1ed5 tr\u1ee3 cho s\u1ef1 thi\u1ebfu h\u1ee5t c\u1ee7a SS.\u00a0 <\/span>Th\u00ec b\u00e2y gi\u1edd nh\u1eefng h\u00e3ng life insurance \u0111\u1eb7t ra nh\u1eefng c\u00e1ch \u0111\u1ec3 ki\u1ebfm ti\u1ec1n cho h\u1ecd v\u00e0 d\u00f9ng ti\u1ec1n c\u1ee7a nh\u1eefng ng\u01b0\u1eddi tr\u1ebb, gi\u00e0 kh\u00f4ng hi\u1ec3u bi\u1ebft, c\u00e1ch n\u00e0y g\u1ecdi l\u00e0 Life Insurance, Annuity, bi\u1ebft ch\u1eafc nh\u1eefng ng\u01b0\u1eddi t\u1eeb 30-60 s\u1ebd \u0111\u01b0\u1ee3c d\u1ee5 mua r\u1ea5t nhi\u1ec1u. M\u00ecnh c\u0169ng t\u00ecm hi\u1ec3u \u0111\u1ec3 coi sao th\u00ec m\u00ecnh bi\u1ebft n\u00f3 nh\u01b0 th\u1ebf n\u00e0y.<\/em><\/li>\n<\/ol>\n

    N\u0103m 2003, m\u00ecnh v\u00e0 b\u00e0 x\u00e3 n\u1eafm tay nhau \u0111i v\u1ec1 t\u01b0\u01a1ng lai, c\u00f9ng nhau chung m\u1ed9t \u00fd t\u01b0\u1edfng, x\u00e2y d\u1ef1ng m\u1ed9t gia \u0111\u00ecnh th\u1eadt h\u1ea1nh ph\u00fac v\u00e0 sung t\u00fac, m\u1eb7c d\u00f9 hai v\u1ee3 ch\u1ed3ng \u0111ang m\u1eafc n\u1ee3 $160k.<\/b><\/em><\/p>\n

    Hai v\u1ee3 ch\u1ed3ng t\u1eb1n ti\u1ec7n \u0111\u1ec3 tr\u1ea3 n\u1ee3, v\u00e0 khi c\u00f3 \u0111\u1ee9a con \u0111\u1ea7u l\u00f2ng 2004. M\u00ecnh b\u00e0n t\u00ednh v\u1edbi b\u00e0 x\u00e3 v\u1ec1 vi\u1ec7c \u0111\u1ec3 d\u00e0nh ti\u1ec1n cho con \u0111i h\u1ecdc \u0111\u1ea1i h\u1ecdc v\u00e0 mua b\u1ea3o hi\u1ec3m nh\u00e2n th\u1ecd \u0111\u1ec3 l\u1ee1 m\u00ecnh c\u00f3 ch\u1ebft b\u1ea5t \u0111\u1eafc k\u1ef3 t\u1eed. M\u00ecnh c\u00f3 n\u00f3i chuy\u1ec7n v\u1edbi con em g\u00e1i. N\u00f3 n\u00f3i \u201cyou will never die\u201d \u0111\u1eebng lo, d\u00f9 c\u00f3 ch\u1ebft, ti\u1ec1n n\u00f3 tr\u1ea3 cho con, cho v\u1ee3 m\u00e0 kh\u00f4ng bi\u1ebft \u0111\u1ea7u t\u01b0 th\u00ec c\u0169ng s\u1ebd h\u1ebft. C\u00f2n chuy\u1ec7n \u0111i h\u1ecdc \u0111\u1ea1i h\u1ecdc, th\u00ec \u0111\u1eebng lo qu\u00e1, t\u1ea5t c\u1ea3 m\u1ecdi th\u1ee9 ti\u1ec1n \u0111\u1ec3 d\u00e0nh b\u1ecf v\u00e0o m\u1ed9t qu\u1ef9 \u0111\u1ec3 \u0111\u1ea7u t\u01b0, m\u00ecnh gi\u1ecfi th\u00ec con s\u1ebd c\u00f3 ti\u1ec1n \u0111i h\u1ecdc v\u00e0 nh\u1ea5t l\u00e0 h\u00e3ng \u0111ang mua life insurance cho m\u00ecnh 2 n\u0103m l\u01b0\u01a1ng r\u1ed3i.<\/em><\/p>\n

    M\u00ecnh nghe l\u1eddi con em c\u00f3 hai \u0111\u1ee9a con \u0111ang s\u1eeda so\u1ea1n v\u00e0o \u0111\u1ea1i h\u1ecdc m\u00e0 m\u00ecnh th\u1ea5y gia \u0111\u00ecnh n\u00f3 r\u1ea5t kh\u00e1 gi\u1ea3. The moral of the story l\u00e0 nghe l\u1eddi ng\u01b0\u1eddi \u0111\u00e3 v\u00e0 \u0111ang th\u00e0nh c\u00f4ng. Th\u1ebf l\u00e0 \u0111\u1ec3 d\u00e0nh ti\u1ec1n tr\u1ea3 h\u1ebft n\u1ee3, \u0111\u1ec3 d\u00e0nh ti\u1ec1n \u0111\u1ea7u t\u01b0 v\u00e0 mua nh\u00e0, ch\u1ec9 1 account m\u00e0 th\u00f4i. C\u00f3 bao nhi\u00eau b\u1ecf h\u1ebft v\u00e0o \u0111\u00f3. Khi c\u00f3 gia \u0111\u00ecnh, m\u00ecnh c\u00f3 con, mua xe th\u1eadt an to\u00e0n, v\u1eefng ch\u1eafc, \u0111\u1ea9y c\u00e1i xe Honda accord c\u1ee7a b\u00e0 x\u00e3, ch\u1edf con tr\u00ean m\u1ed9t chi\u1ebfc xe Audi wagon c\u0169, l\u00e1i \u0111\u00e0ng ho\u00e0ng, d\u1ec5 d\u00e0ng \u0111\u1ec3 kh\u1ecfi b\u1ecb ai \u0111\u1ee5ng m\u00e0 c\u0169ng kh\u00f4ng \u0111\u1ee5ng ai \u0111\u1ec3 kh\u1ecfi ch\u1ebft v\u1edb v\u1ea9n.<\/em><\/p>\n

    \u0110\u1ec3 m\u00ecnh k\u1ec3 l\u1ea1i nh\u1eefng b\u1ecb d\u1ee5 mua b\u1ea3o hi\u1ec3m nh\u00e2n th\u1ecd. Kh\u00f4ng m\u1ed9t ai ch\u1ebft c\u1ea3, m\u00e0 m\u1ed7i th\u00e1ng \u0111\u00f3ng \u0111\u1ec1u chi cho t\u1edbi h\u1ebft h\u1ea1n, 20 n\u0103m, c\u00e1i kinh ho\u00e0ng l\u00e0 mu\u1ed1n ti\u1ebfp t\u1ee5c th\u00ec ph\u1ea3i tr\u1ea3 m\u1ed7i th\u00e1ng cao h\u01a1n r\u1ea5t nhi\u1ec1u v\u00ec gi\u00e0 r\u1ed3i, n\u1ebfu kh\u00f4ng th\u00ec t\u1ea5t c\u1ea3 ti\u1ec1n \u0111\u00e3 \u0111\u00f3ng s\u1ebd bi\u1ebfn m\u1ea5t.<\/em><\/p>\n

    Tu\u1ef3 theo tu\u1ed5i, th\u00ed d\u1ee5 40, kho\u1ebb m\u1ea1nh, mu\u1ed1n mua b\u00e2y gi\u1edd $1M, m\u1ed7i th\u00e1ng tr\u1ea3 $144 trong 20 n\u0103m, 25 n\u0103m \u0111\u1eaft h\u01a1n. N\u1ebfu d\u00f9ng ti\u1ec1n n\u00e0y m\u00e0 tr\u1ea3 v\u00e0o ti\u1ec1n nh\u00e0 h\u00e0ng th\u00e1ng th\u00ec ti\u1ec1n l\u1eddi s\u1ebd b\u1edbt \u0111i kh\u00e1 nhi\u1ec1u. Nh\u01b0ng \u0111\u1ed1i v\u1edbi m\u00ecnh m\u00ecnh b\u1ecf v\u00e0o brokerage \u0111\u1ec3 \u0111\u1ea7u t\u01b0 trong ch\u1ee9ng kho\u00e1n.<\/em><\/p>\n

    Th\u00ec k\u1ebft qu\u1ea3 ra sao sau 20 n\u0103m? M\u00ecnh v\u00e0 b\u00e0 x\u00e3 v\u1eabn s\u1ed1ng nh\u0103n r\u0103ng. Hai \u0111\u1ee9a con ti\u1ec1n \u0111i h\u1ecdc \u0111ang c\u00f3 $200k cho m\u1ed7i \u0111\u1ee9a. M\u1ed7i n\u0103m v\u1eabn ki\u1ebfm ti\u1ec1n t\u1eeb $400k n\u00e0y \u0111\u1ec3 tr\u1ea3 cho l\u1ec7 ph\u00ed \u0111i h\u1ecdc $45k\/n\u0103m v\u00ec $400k x .2 l\u00e0 $80k m\u1ed9t n\u0103m ti\u1ec1n l\u1eddi. N\u1ebfu h\u1ed3i \u0111\u00f3 ph\u00e2n t\u00e1n ti\u1ec1n v\u00e0o qu\u1ef9 \u201ccollege funds\u201d th\u00ec ch\u01b0a ch\u1eafc c\u00f3 nhi\u1ec1u nh\u01b0 v\u1eady, ch\u1ec9 \u0111\u01b0\u1ee3c tr\u1eeb thu\u1ebf v\u1edb v\u1ea9n. The moral of the story l\u00e0 1 qu\u1ef9 d\u1ec5 tr\u00f4ng coi. Th\u00ed d\u1ee5 $100k m\u00e0 m\u1ed7i n\u0103m ki\u1ebfm 20%-30% th\u00ec bao l\u00e2u s\u1ebd c\u00f3 $1M? L\u00e0m to\u00e1n th\u00ec s\u1ebd bi\u1ebft. M\u00e0 khi c\u00f3 $1M th\u00ec m\u1ed7i n\u0103m s\u1ebd ki\u1ebfm \u0111\u01b0\u1ee3c bao nhi\u00eau n\u1ebfu ch\u1ec9 c\u1ea7n ki\u1ebfm 20%.\u00a0 <\/span>Nh\u1edb ng\u01b0\u1eddi x\u01b0a c\u00f3 n\u00f3i, khi \u0111\u00e3 bi\u1ebft c\u00e2u c\u00e1 th\u00ec lu\u00f4n lu\u00f4n c\u00f3 c\u00e1 m\u00e0 \u0103n.<\/b><\/em><\/p>\n

    B\u00e2y gi\u1edd n\u00f3i v\u1ec1 Annuity. \u0110\u1ec3 m\u00ecnh nh\u1eafc l\u1ea1i, kh\u00f4ng ai \u0103n n\u1ed5i t\u1ee5i nh\u00e0 b\u0103ng, \u0111\u1eebng ngh\u0129 m\u00ecnh c\u00f3 th\u1ec3 gi\u1ef1t ti\u1ec1n n\u00f3. N\u00f3 l\u1ea5y ti\u1ec1n m\u00ecnh b\u1ecf b\u0103ng, \u0111i cho vay credit card c\u1eaft c\u1ed5 ng\u01b0\u1eddi ngh\u00e8o. \u0110\u1ed1i v\u1edbi m\u00ecnh, nh\u00e0 b\u0103ng l\u00e0 \u00e1c \u0111\u1ee9c kinh ho\u00e0ng. \u0110i \u0111\u00e2u c\u0169ng c\u00f3 ng\u01b0\u1eddi b\u00e1n Annuity, h\u1ecfi t\u1edbi h\u1ecfi lui.\u00a0 <\/span>M\u00ecnh c\u0169ng t\u00ecm hi\u1ec3u \u0111\u1ec3 bi\u1ebft n\u00f3 t\u1ed1t nh\u01b0 th\u1ebf n\u00e0o.<\/em><\/p>\n

    ANNUITY<\/b>: \u0110\u00e2y l\u00e0 m\u1ed9t lo\u1ea1i b\u1ea3o hi\u1ec3m<\/b> ch\u1ee9 kh\u00f4ng ph\u1ea3i l\u00e0 m\u1ed9t lo\u1ea1i \u0111\u1ea7u t\u01b0<\/b> nh\u01b0 nhi\u1ec1u ng\u01b0\u1eddi b\u00e1n ho\u1eb7c ng\u01b0\u1eddi mua hi\u1ec3u l\u1ea7m. \u0110\u1ec3 m\u00ecnh gi\u1ea3i th\u00edch m\u1ed9t c\u00e1ch \u0111\u01a1n gi\u1ea3n l\u00e0 nh\u01b0 th\u1ebf n\u00e0y, m\u00ecnh \u0111\u01b0a ti\u1ec1n m\u00ecnh cho h\u00e3ng b\u1ea3o hi\u1ec3m v\u00e0 khi m\u00ecnh v\u1ec1 h\u01b0u, h\u1ecd l\u1ea5y ti\u1ec1n m\u00ecnh chia \u0111\u1ec1u ra cho bao nhi\u00eau n\u0103m \u0111\u1ec3 m\u00ecnh c\u00f3 ti\u1ec1n s\u1ed1ng<\/b>. Nh\u01b0ng khi m\u00ecnh \u0111\u01b0a ti\u1ec1n cho h\u1ecd, th\u00ec h\u1ecd s\u1ebd cho m\u00ecnh ti\u1ec1n l\u1eddi th\u1ea5p \u0111\u1ec3 h\u1ecd ki\u1ebfm ti\u1ec1n cho h\u1ecd nhi\u1ec1u h\u01a1n. Th\u00ed d\u1ee5 n\u1ebfu m\u00ecnh b\u1ecf ti\u1ec1n v\u00e0o SP500 th\u00ec m\u1ed7i n\u0103m trung b\u00ecnh l\u00e0 \u0111\u01b0\u1ee3c 15% (n\u0103m nay 23%), NASDAQ th\u00ec c\u0169ng v\u1eady (n\u0103m nay 45%), DOW (11%), th\u00ec h\u1ecd s\u1ebd cho m\u00ecnh 5%-6.5% m\u00e0 ph\u1ea3i gi\u1eef ti\u1ec1n trong 5-10 n\u0103m m\u1edbi \u0111\u01b0\u1ee3c l\u1ea5y ra<\/b> ho\u1eb7c h\u1ecd s\u1ebd tr\u1ea3 ti\u1ec1n h\u00e0ng n\u0103m cho m\u00ecnh x\u00e0i cho t\u1edbi th\u1eddi h\u1ea1n c\u1ed1 \u0111\u1ecbnh trong contract (th\u00ed d\u1ee5 65-90 tu\u1ed5i<\/b>).<\/em><\/p>\n