Iimali zeMarike zeMali
Iimali zeemarike zemali zixhaswa ngemali-mali kunye nentengiso "kwimarike yemali". Ukuba ucinga ukuba abantu bathenga kwaye bathengise izitokethi kwimarike yeemasheya , ngoko unokubona indlela abantu abathenga ngayo kwaye bathengise imali kwimarike yemali.
Kuthetha ukuthini ukuthenga okanye ukuthengisa imali? Kuthetha ukuba uboleka okanye uboleke imali, ngokulandelanayo.
Ngokufana ne- akhawunti yakho ye- deposit ebhankini, imali yemarike yemali ithatha imali yakho kwaye uyibeke imali. Emva koko, bahlawula isabelo semali yabo yabo ngefom yezabelo . Iimali zeemarike zemali zihlala zihlawula isahlulo senyanga, kodwa kukho ezinye iindlela ezikhoyo ngaphandle.
Ziziphi iimali zeMali zeMarhwebo eziTyalayo
Le mali ichithe kwiimveliso zesikhashana ezivuthiwe kwiinyanga ezingaphantsi kwe-13-ekugqibeleni. Ngokugcina ixesha elifutshane, ezi mali zizama ukunciphisa umngcipheko. Enyanisweni, i-SEC ithi ukukhula okuphakathi kwazo zonke iimali-mali kwiimali zemarike yemali kufuneka zibe ngaphantsi kweentsuku ezingama-90. Xa usude uboleke imali kumntu, kukhulu amathuba okuba kwenzeka into kwaye abayi kukwazi ukukuhlawula. Utyalo-mali oluqhelekileyo ngaphakathi kwekhredithi yemarike yemali lube yimicimbi ye-US Treasury, iphepha elifutshane elikufutshane, kunye neeCD.
Izingozi zokuthatha imali kwiimali zeeMali zeMarike
Kukho ubuncwane abathathu esimele sibalasele. Okokuqala, isikhwama semarike yemali sisona ukhuseleko. Abaphathi bezezimali bazama ukugcina ixabiso lentengo rhoqo kwi-$ 1 / isabelo. Nangona kunjalo, akukho siqinisekiso sokuba ixabiso lesabelo liya kuhlala kwi-$ 1 / isabelo. Ukuba ixabiso lesabelo lihla, ungalahlekelwa yinto okanye yonke inqununu yakho.
I-US Securities and Exchange Exchange ithi: "Nangona ukulahleka kweentengo kwimali yemarike yemali kungeyonto inqabile, kunokwenzeka". Ngokubuyisela le mngcipheko, kufuneka ufumane ukubuyela okukhulu kunkokhelo yakho kunokuba ungalindela kwi-akhawunti ye-akhawunti yokugcina imali e-FDIC (imali yemarike yemali ayikho i-FDIC insured).
Emva koko, ixabiso lemali yemarike yemarike iyahluka. Ngamanye amagama, awazi ukuba uza kuzuza phi kwinzala yakho kwinyanga ezayo. Isantya sinokunyuka okanye siphantsi. Ukuba iya kunyuka, loo nto ingaba yinto entle. Nangona kunjalo, ukuba iyahla kwaye ufumana ngaphantsi kokulindeleke, unokuphelisa ukufuna imali engaphezulu.
Ingozi yokugqibela oyithathayo ngemali yemarike yemali ihambelana nokunyuka kwamaxabiso. Ngenxa yokuba iimali zeemarike zemali zibhekwa njengezikhuselekileyo kunabanye abatyalomali abanjengo-stocks, ukubuyela kwexesha elide kwimali yemarike yemali kuya kuba ngaphantsi kwexesha elide elibuyiselwayo kwiingxowa-mali. Kwixesha elingaphezu kwexesha elide, ukunyuka kwamaxabiso kunokutya kude yakho.
Kutheni usebenzise i-Money Market Funds
Abatyalomali abafuna ukubuyela ngokufanelekileyo kwimali- mali ekhuselekileyo sebenzisa imali yemarike yemali. Utyalo-mali luqhelekile, oko kuthetha ukuba unako ukufumana imali yakho ngaphandle kweentsuku ezimbalwa zoshishino. Unokuphinda usebenzise amathuba okunyuka kwamaxabiso ngokugcina imali yakho kwintalo-mali eya kutshintshela kwiimarike.
Amaziko amaninzi akuvumela ukuba ubhale amasheke athola kwi-fund market. Ngoko ke, ufumana iingeniso zemivuzo kunye nokufikelela okulula kwimali yakho. Qinisekisa ukuba ubuza iziphi izithintelo okanye imirhumo yeziko lakho.
Kuphi Ukufumana iNgxowa-mali yeMalike yeMali
Xa kuziwa kwimali yemarike yemali, unokukhetha. Ziyifumaneka lula kwizindlu zokuthengisa kunye neenkampani zenkxaso- mali. Ngoku kutshanje, iibhanki zinika imali yemarike yemali kubathengi babo.
Ukufunda phi ngakumbi ngeMali yeeMali zeMalike
Indawo efanelekileyo yokufumana malunga nekhredithi yemarike yemali yi-prospectus yesikhwama. Kufuneka uhlale ufunda enye yale nto ngaphambi kokuthenga nayiphi na ingxowa-mali, kwaye unokufunda okuninzi ngokufunda i-prospus evela kwimali eyahlukeneyo.
Qaphela: U-Justin Pritchard unguMmeli obhalisiweyo kunye noMmebisi wezeNtengo ngezeNtengo kunye neNkampani yeNtengiso yeNtengiso, ilungu le-SIPC .