Iingenelelo kunye neziNzuzo zeBond Savings
Ziziphi iimbopheleleko zokugcina imali? Eli phepha likuthatha kwizinto ezisiseko, indlela esetyenziswa ngayo kunye nendlela onokufumana ulwazi olunzulu malunga nezibophelelo zokugcina.
Icandelo 1: Ukwahlula kwamabhondi okugcina
Icandelo 2: Izibango kunye neengozi zoBondla
Icandelo 3: Indlela yokuthenga amabhondi okugcina
Ziziphi iimali zokugcina imali?
Izibophelelo zokugcina zii-securities ezikhutshwe yiSebe leNondyebo le- US . Banikezela ngeedola zemali kuRhulumente wase-US . Ngenxa yokusebenzisa imali yakho, urhulumente uhlawula umdla. Le ngxoxo ibandakanya i-EE yee-series kunye namabhondi okugcina.
Ngaba ndinomdla omkhulu kangakanani kwi-Bond Savings?
Amanqanaba enzala ancike kwiimeko zoqoqosho jikelele. Njengamaxabiso enzala ngokuphakama ngokubanzi, ngokunjalo amaxabiso omyinge akhokhelwa kwizibophelelo zokugcina. Ukuba ufuna iinombolo ezichanekileyo, unokutyelela iwebhusayithi ye-Federal Reserve yeerhafu zangoku kunye nezembali. Ngokuqhelekileyo, uya kufumana ukuba amaxabiso akhuphisana ngokufanelekileyo nokutyalomali- kwaye unako ukufumana iintlawulo zerhafu ukukunceda ukuphucula ukubuyiswa kwakho.
Ziziphi iingeniso zerhafu ezinikezelwa yiBonding Bonds?
Ngokuxhomekeke kwimeko yakho, unokufumana izibonelelo ezintle ngokusebenzisa izibophelelo zokugcina. Kubaqalayo, izibophelelo zokulondoloza azinakho ukuhlawula umhlala-phantsi kwintlawulo yengeniso. Esikhundleni saloo nto, banda ngexabiso ngaphezu kweminyaka.
Oku kuthetha ukuba unokulibazisa ukufumana inzala engenayo uze uhlawulele iimbophelelo (okanye zide zikhule, eziyiminyaka engama-30 emva kokuphuma). Ukuba awufuni ukufaka ibango kwingeniso ngoku, kodwa awuyi kucinga ukuba uyayifumana kamva, izibophelelo zokulondoloza zinokukunceda.
Enye inzuzo yerhafu yiNkcazo yeRhafu yeMfundo (okanye iNkqubo yoLondolozo lwezeMfundo ).
Ukuba ubeka imali kwiibhanki zakho kwaye uyisebenzise kwiindleko zemfundo ephakamileyo ezifanelekileyo, unokukwazi ukukhuphela loo ntlawulo kwiirhafu . Qinisekisa ukuba ulandele imigaqo ephathelele uhlobo lweendleko, umyinge wemali, kunye nokunye. Unokufumana iinkcukacha kwi-Savings Bond yeSayithi yeMfundo.
Ekugqibeleni, inzala yengxowa-mboleko yemali ingenakunyulwa kwiirhafu zentlawulo karhulumente kunye neendawo . Oku kuthetha ukuba unokuchitha imali engakumbi. Ngokuxhomekeke kwimeko yakho, le nto inokuba yinto enkulu okanye ingabalulekanga.
Icandelo 1: Ukwahlula kwamabhondi okugcinaIcandelo 2: Izibango kunye neengozi zoBondla
Icandelo 3: Indlela yokuthenga amabhondi okugcina
Ngenxa yokuba baxhaswa ngokholo olupheleleyo kunye nekhredithi kaRhulumente wase-US, umngcipheko ongagqibekanga kumabhonkco okulondoloza uncinci kakhulu . Akunakwenzeka ukuba urhulumente akanakukwazi ukuhlawula amatyala akhe. Ukuba izinto zifumene okubi, ndiyakrokra ukuba uya kuba neengxaki ezinxamisekileyo zokujongana nazo (njengokufumana ukutya, indawo yokuhlala, ukhuseleko, njl.
Imiqathango yokuKhusela iMithwalo yokuSindisa
Ukuba uza kutyalo-mali kwiibhondi zokugcina imali, kufuneka uqaphele imingcipheko yokuzifaka. Ungasenayo imali kwiinyanga ezili-6 okanye unyaka wokuqala wosuku lokukhishwa kwangaphambili (iinyanga ezintandathu kwiibhanki ezikhishwe ngaphambi koFebruwari 2003, 1 unyaka weebhonksi ezikhishwe emva koFebhuwari 2003). Kwakhona, uya kuhlawulwa ngokufaka imali ngaphakathi kwiminyaka emihlanu yokuqala (ulahlekelwa ngumdla weenyanga ezintathu zokugqibela).
I xabiso
Ngenxa yokuba zikhuselekileyo, izibophelelo zokulondoloza azinakho ukubuyisela ezinkulu. Oku kuthetha ukuba ubeka ingozi ekubukeni umvuzo wakho ufumana ukunyuka kwamaxabiso. Ngaloo nto ngqondweni, ndincoma ukusebenzisa izibophelelo zokulondoloza kwiimeko apho awukwazi ukufumana nayiphi na umngcipheko kwinqununu. Ukuba unesikhathi eside uze usebenzise imali, unokufuna ubuncinci uphando olunye utyalo-mali.
Ukuba uya kusebenzisa izibophelelo zokulondoloza, Iingqungquthela Iibhondi zokulondoloza ziquka intambo yokulwa nokunyuka kwamaxabiso . Ufumana isamba esilinganiselweyo esilinganisiweyo kunye nezinga lokuguqulwa kwamanani emveliso.
Ngexesha lexesha lokunyuka kwamaxabiso aphezulu, ufumana ngaphezulu. Xa ukunyuka kwamaxabiso kuphantsi, ufumana ngaphantsi.
Icandelo 1: Ukwahlula kwamabhondi okugcina
Icandelo 2: Izibango kunye neengozi zoBondla
Icandelo 3: Indlela yokuthenga amabhondi okugcina
Kwixesha elidlulileyo, unokuthenga amabhondi e-US Savings kwiibhanki kunye neemanyano zentengo, kodwa ezo ntsuku zingemva kwethu. I-Nondyebo ivumela kuphela ukuthengwa kwe-intanethi okanye njengenxalenye yentlawulo yakho yerhafu. Okubaluleke ngakumbi, ukuba ufuna iibhondi zamaphepha , yindlela kuphela yokuzifumana ngokubuyisela imali yakho yerhafu.
Unako ukuhlawula izibophelelo zokugcinwa kwamaphepha kumaziko amaninzi emali, kodwa ukufumana ezintsha akulula njengoko kwakunjalo.
Ukuba ukhangele ukuthenga izibophelelo zokulondolozela wena okanye njengesipho, makhe sihlolisise oko okukhethwa kukho phantsi kwemithetho emitsha.
I-TreasuryDirect.gov - Thenga iiBond zokugcina kwi-Intanethi
Isebe leNondyebo linalo lewebhu elihle lokuthenga izibophelelo zokugcina imali. Inkqubo iyamangalisa ngokulula kwaye ngokukhawuleza-nje kuphela nje xa uthengela izibophelelo zakho. Ukuba u-intanethi-savvy, unokuba ngumnikazi oziqhenkceleyo wobophelelo olondoloziweyo engaphantsi kwemizuzu engama-10. Nangona kunjalo, ukuba usenokucinga ngezinto ezisekhompyutheni (okanye ukuba kukho naziphi izinto zobuchwepheshe okanye ukulibaziseka imilayezo ye-imeyile) usenokuba unamava amaninzi.
Ndaye ndafumana amava amnandi xa ndithenga izibophelelo zokugcina imali kwi- Treasury Direct , kodwa abanye baye bafumana inhlanhla. Zilungele ukuchitha ixesha kwiikhompyuter yakho.
Isinyathelo sokuqala kukudala i-akhawunti . Uya kufuneka unikezele ngolwazi oluqhelekileyo lomntu olufana neNombolo yoKhuseleko lweNtlalo kunye nomhla wokuzalwa, kwaye uya kufuneka ubeke imibuzo yokuphepha kunye nezimpendulo kangangoko kuninzi nayiphi na iwebhusayithi yezezimali.
Uya kudibanisa i-akhawunti yebhanki kwi-akhawunti yakho ye-Nondyebo ye-TreasuryDirect ukuze uhlawule imali yokuthengwa kwemboleko. Ekugqibeleni, khangela i-imeyili evela kwi-TreasuryDirect eqinisekisa i-akhawunti yakho kwaye inika inombolo yakho ye-akhawunti.
Emva kokuba ungene ngemvume, ungathenga iintlobo ezahlukeneyo zobutyebi boNondyebo. Kukho ifom ye "Intengiso yokuThengisa" kwiphepha elamkelekileyo ukuba wenza umkhuba wokuthenga izibophelelo zokugcina imali.
Olu khetho lukuvumela ukuba ungeze ngokukhawuleza kwiindawo zakho zokubamba ngaphandle kokuba uthayiphe ulwazi olufanayo uhlala uthayipha kuyo.
Ukuthenga izibophelelo kuyinto elula kakhulu - ingaba ungayisebenzisi okanye uyisebenzise I-Purchase Express. Ndikulindele ngolwazi olungakumbi malunga noko ndandenzayo ngaphambi kokuba ndidibanise intshukumo, kodwa mhlawumbi ndifuna ukujonga kathathu ngaphambi kokuchofoza. Ukuba uthetha ukuhamba ngokukhawuleza kwi-intanethi, qiniseka ukuba uyazi ukuba ungena (ungakanani ixesha lokugcina izibophelelo, umzekelo) ngaphambi kokuba uqinisekise nantoni na.
Ukuthenga amabhonki okugcina njengezipho
Izibambiso zokulondolozwa zidlalwa njengezipho, kwaye unako ukuthenga izibophelelo zomnye umntu - nokuba uthenga nge-intanethi okanye ngentlawulo yakho yentela. Ngelishwa, inkqubo yokuthenga i-intanethi nokunika isipho inzima, kwaye ayikuvakalelwa nje xa ungeke ukwazi ukunikezela ngokubambisana.
Ukuthenga isibopho njengesipho, uya kusebenzisa i-akhawunti yakho ye-TreasuryDirect, kodwa ummkeli ufuna i- akhawunti yakhe ukuba ayifumane isipho (oku kuyinkqubo enkulu ye-intanethi). Ukuba ummkeli uneminyaka engaphantsi kwe-18, umzali womntwana okanye umgcini-mntwana kufuneka avule i-akhawunti kunye (kwaye uvula "iAkhawunti eXhaxisiweyo" phantsi kwe-akhawunti yabo). Ukongeza, uya kulufuna iNombolo yoKhuseleko loLuntu xa uthengile isibophelelo sokugcina.
Ukuba ngaba abazali bomntwana abakwaziyo okanye abayi kuvulwa i-akhawunti ye-Nondyebo-mali, unako ukuthenga izibophelelo, zibambe kwi-akhawunti yakho ye "Bhokisi yeZipho," kwaye uwatshintshe emva komhla.
Iibhonki zokuThengwa koThengiselo kunye neMbuyekezo yeRhafu
Ukuba unentliziyo yakho isetyenziswe ekuthengeni izibophelelo zokugcinwa kwamaphepha, unokwenza njalo ngokubuyisela imali yakho yerhafu. Nangona kunjalo, unokufumana kuphela i- Series I bonds kunye nale ndlela.
Xa ufaka iirhafu zakho, sebenzisa iFomu 8888 ukuthenga izibophelelo kunye nenxalenye yembuyekezo yakho. Kufuneka uthenge ngama-increments ama-$ 50, kwaye unyuke kwi $ 5,000 kwiibhondi ngexesha elinye. Unako ukuthenga izibophelelo ngokwakho, kwaye ungasebenzisa kwakhona imali yakho yokuthenga izibopho zokugcina njengezipho; nje ungene kwigama lommkeli kwifomu. Iibhanki zakho zamaphepha ziza kuthunyelwa kuwe, kwaye ungagcina uzikhulule ebhanki okanye kwimanyano yemboleko esebenza kunye nezibophelelo zokugcina.