Indlela yokusebenzisa i-CD Investments
Ezisiseko zeCD
I-CD uhlobo lwe-akhawunti ekhoyo kwi-bhanki yakho okanye kwimanyano yekhredithi.
Ngokufana ne-akhawunti yokugcina imali, ufumana inzala kwimali oyifakayo. Ii-CD zihlala zihlawula ngaphezu kwamanye ama-akhawunti asebhanki, kodwa kukho ukubamba: kufuneka ushiye imali yakho kwi-akhawunti ngexesha elide. Ngokomzekelo, i-CD yenyanga engama-6 isetyenziselwe ukushiywa yedwa kwinyanga ezintandathu.
IiCD ziyafumaneka kwiimigaqo eyahlukeneyo ukususela kwiinyanga ezintandathu ukuya kwiminyaka emihlanu. Ii-CD ezide zihlala zihlawula ngaphezu kweCDs ezifutshane (kuba ukuzibophelela kwakho kukhulu), kodwa kukho ukungafani. Amanye amaCD abuye ahlalutye umyinge wenzala owufumanayo ngokuhamba kwesikhathi. Ukuba ukhipha imali yakho ngaphandle kweCD ngaphambi kokuba ukhule (ngaphambi kokuba inani elichaziweyo lexesha lidlule), kuya kufuneka ukhokhele isohlwayo sokuthoma .
Ukuze ufumane ingxoxo epheleleyo ngakumbi, jonga ukuba iiCD zikunceda njani ukufumana ngaphezulu .
Luhlobo luni lwe-Investment yi-CD?
Ii-CD zizinzi- mali ezikhuselekileyo . Zilungele iimeko xa ungafuni ukubeka ingozi ekulahlekelweni kwemali yakho. Ngokomzekelo, unakho ukuceba ukuthenga ikhaya elitsha kwiminyaka emibini okanye emithathu, kwaye uyakha inkokhelo yokuhlawula .
Awudingi ukuchitha imali kwikamva elikhawuleza, ngoko ke ukuyivala ukuze inqanaba eliphezulu lezala linengqiqo.
Kwiinjongo zexesha elide, njengomhlalaphantsi ongaphezu kweminyaka engama-20 ubudala, ii-CD zingenakho okanye zingenako ukutshala imali. Kufuneka uchithe ixesha kunye nomcwangcisi wezemali wendawo ukuze uxoxe ngeenjongo zakho zexesha elide kunye nazo zonke iinketho ezikhoyo kuwe.
Kakade, imali yakho ikhuselekile kuphela ukuba i- FDIC inesiqinisekiso , okanye ifakwe phantsi kwe-inshurensi ye-NCUSIF xa usebenzisa i-credit union .
Indlela yokuTyala kwiiCD
Ukuthenga i-CD, vumela i-bhanki yakho ikwazi ukuba yiyiphi iCD oyifunayo (inyanga ezintandathu okanye iinyanga ezingama-18, umzekelo) kunye nemali engakanani yokufaka kuyo. Ezinye iibhanki zinenani elincinci (i-$ 1,000 okanye njalo) ngelixa abanye bakuvumela ukuba uqale ngokuncinane njengoko ufuna. IiCD zihlala zifakwe kwi-intanethi, ingakumbi kwiibhanki eziku-intanethi kuphela .
Xa i-CD yakho ikhula , uya kufumana isaziso esichazela iinketho zakho. Kwiimeko ezininzi, unako
- Vumela i-CD ivuselele (kwenye i-CD enexesha elide lexesha)
- Thenga i-CD eyahlukileyo (ukusukela kwiinyanga ezintandathu ukuya kwi-CD yonyaka omnye, umzekelo)
- Hambisa imali kwi-akhawunti yokujonga okanye yokulondoloza
- Ukurhoxisa imali
Kungcono ukuphonononga izizathu zakho zokusebenzisa i-CD kwaye wenze isigqibo malunga noko kwenzekayo ngemali - musa ukuyivumela ngokuzenzekelayo rhoqo ngokutsha. Khangela Oko ukwenza Xa i-CD yakho iMatures .
Ukuba unenkxalabo malunga nokuvala imali yakho, unokufuna ukuqala ngeCDs eziphathekayo, ezikuvumela ukuba uhoxise enye okanye yonke imali yakho ngaphambi kokukhula ngaphandle kwesihlwayo. Bahlala behlawula ngaphantsi kwamaCD, kodwa banokukunceda uzive ngendlela ama CD asebenza ngayo.
Isicwangciso soTyalo-mali
Uninzi lwabantu lukhetha kuphela i-CD ngokubhekisele kubude bexesha abakhethayo, ukujonga ixabiso lentengo kunye nesixa sithuba abakwazi ukuyivala imali yabo.
Akukho nto ephosakeleyo ngolu hlobo - uya kukhulisa umvuzo wakho ngaphezu koko ungayifumana kwi-akhawunti yokulondoloza, kunye nesicwangciso esilula sisoloko silula ukunamathela.
Nangona kunjalo, ukuba ufuna ukuphucula imali yakho ye-CD, kukho iindlela ezininzi zokulawula ii-CD zakho. Ezi ngcamango zichazwe ngokufutshane apha ngezantsi, kwaye ngokubanzi kwiphepha lethu malunga nezicwangciso zokutshala kwe-CD .
Ukukhwela kwesisombululo isicwangciso sokuthenga iiCD ezininzi ngeentsuku ezahlukeneyo zokukhula - ukusuka kwixesha elifutshane ukuya kwixesha elide lokukhula. Oku kunceda ugcine imali kwaye ubalekele ukutshala imali yakho yonke imali xa ixabiso lentlalo lihle kakhulu. Funda ngakumbi malunga nokuseta i-CD yesiteli .
Isicwangciso seqhinga sikwenza ukuba yonke imali yakho ifumaneke xa "iinjongo" zakho zifika. Uza kufumana okungaphezulu kunokuba uza kuzuza kwi-savings, kwaye uya kuba nako ukubhala isheke esikhulu xa kukho imfuneko.
Indlela yeBluetooth ibambelela kumaCD emfutshane kunye nexesha elide (ngelixa lidlulela ii-CD eziphakathi kwexesha elide). Ukuba amazinga omyinge wexesha elide awanakuchukumisi, unokwenza nje ukucaca kubo.
Abaphathi bezoTyalo
Ukuba awufuni ukuphatha imali yakho ye-CD yakho, unokuhlala uqesha umntu ukuba akwenze oko. Ewe, kubalulekile ukwazi ukuba ngubani ojongene naye kwaye ugweme izikhwama kunye nezicwangciso zePonzi. Ukuba uqeshe umntu, bangasebenzisa iiCDs ezahlukileyo , ezihluke kakhulu kwii-CD zendawo ye-vanilla kwi-akhawunti yakho yasebhanki.
Qinisekisa ukuba ubuze le mibuzo elandelayo nayiphi na umphathi wotyalo-mali:
- Ingaba imali yam iqinisekisiwe nguRhulumente wase-US?
- Ndiya kufumana nini imali yam?
- Ngaba ukuhoxiswa kwangaphambili, kwaye yintoni isohlwayo?
- Ndingazuza phi na, kwaye ngaba le nqanaba liqinisekisiwe?
- Ingaba inzala ithatha utshintsho?
Iimali zeeMali zeMarike
Ii-CD azikho kuphela utyalo-mali olukhuselekileyo kwibhankini yakho. Iimali zeemarike zemali zihlawula ngaphezu kwee-akhawunti zokulondoloza, kodwa zinikela ngokuguquguquka ngakumbi kuneeCDs: uza kufumana i-checkbook okanye ikhadi lokukhwabanisa ongayisebenzisa ukuyisebenzisa kwi-akhawunti. Nangona kunjalo, ukurhoxiswa (okanye ukuchitha imali) kunokuthi kubekwe kathathu ngenyanga. Funda kabanzi malunga neengxelo zeemarike zemali .