Indlela Ekhuselekileyo Yokufumana Okunye
Izatifikethi zediphozithi (iiCD) ziphakathi kotyalo-mali olukhuselekileyo olufumaneka kwiibhanki kunye neemanyano zetyala. Zihlala zihlawula umlinganiselo wenzalo ephezulu ngaphezu kwee-akhawunti zokulondoloza kunye ne-akhawunti yemarike yemali , kodwa kukho enye impendulo: Ukusebenzisa i-akhawunti ye-CD, kufuneka uvale imali yakho kwi-akhawunti-nangona kunokwenzeka ukuphuma kusasa.
I-CD isebenza njani?
IiCD zihlobo lwexesha lokuposa . Ngenzuzo yezinga eliphezulu lomyinge, uthembisa ukugcina imali yakho kwibhanki ixesha elithile (umzekelo, inyanga ezintandathu, iinyanga ezili-18, okanye iminyaka emininzi).
Amanani aphakamileyo: Ukukuvuza ngenxa yesithembiso, ibhanki iyavuma ukuhlawula ngaphezu kokuba ungayifumana kwi-akhawunti yokulondoloza : Ufumana i-percentage yield percentage ( APY ) kwiimali ozifaka kuyo. Kutheni ibhanki ihlawula ngaphezulu? Ngenxa yokuba bayazi ukuba bangasebenzisa imali yakho yokutyalo-mali-ixesha elide njengemali-mboleko, kwaye awuyi kucela yona ngeveki ezayo.
Ikhefu zexesha: Xa uvula i-CD, uza kukhetha ixesha elide ofuna ukugcina ngayo imali yakho. Eli xesha libizwa ngokuba lixesha , kwaye imiqathango eqhelekileyo ibandakanya i-6, 12, 18, neye-60 iinyanga, nangona eminye imiqathango ikhona.
Ingcono ixesha elide? Ngokuqhelekileyo ufumana ngaphezulu xa uhamba kunye neminyaka emide. Kodwa amaxesha amaninzi ayilona ngcamango engcono. Ukuqala, ungadinga imali yakho ngaphambi kokuba iphela iphele. Ukuba ususa iifowuni zakho zakuqala (okuphantse ukuba yinto ekhethiweyo, kodwa kwiimeko ezinqabileyo, iibhanki kunye neemanyano zeentengo zemali ziye zaliwa ezi zicelo), kuya kufuneka uhlawule isohlwayo sokuthoma .
Esi sihlwayo siya kudla kuyo nayiphi na inzala oyifumene-kwaye mhlawumbi ungadla kwi-deposit yakho yokuqala. Ngenxa yeso sihlwayo, ungcono ukugcina imali yakho kwi-akhawunti yokulondoloza ukuba uya kuyidinga ngokukhawuleza.
Usuku lokukhula: Ekupheleni kwekota yakho yeCD, iCD i "khula" kwaye kufuneka unqume ukuba yintoni ozayo.
Njengoko usondela ekupheleni kwekota ye-CD, ibhanki yakho iya kukwazisa ukuba i-CD yakho iyakhula, kwaye iza kukunika iinketho ezininzi. Ukuba ungenzi nto, kwiimeko ezininzi iimali zakho ziya kuhlaziywa kwenye i-CD kunye nekota enye njengoko ikhula nje.
Ngokomzekelo, ukuba ubukho kwi-CD yenyanga eyi-6, baya kubeka ngokuzenzekelayo kwenye i-CD ngenyanga yesithandathu. Qaphela ukuba isantya somyinge sinokuphakama okanye siphantsi kwezinga okade ufumana-akukho siqinisekiso sokuthi ufumana ukugcina isantya esifanayo.
Ukuba ufuna ukwenza into ngaphandle kokubuyisela kwiCD entsha, kufuneka uvumele ibhanki yakho ibe nolwazi ngaphambi kokuhlaziywa komhla wokugqibela. Ungadlulisela imali kwi-akhawunti yakho yokukhangela okanye yokulondoloza, okanye ungatshintsha kwi-CD eyahlukileyo ngexesha elide okanye elifutshane.
Indlela yokuqalisa ukusebenzisa iiCD
Ukufaka imali kwi-CD, qhagamshelana nebhanki yakho okanye umanyano wekhredithi.
Uninzi lweebhanki-ingakumbi kwiibhanki ze-intanethi-zichaze iindlela ozikhethayo kwaye zivumele ukuba wenze utyalo-mali lwe-CD online. Unokubiza umninimzi wesevisi, nokuba uthethe kunye nombhanki kumntu.
Chaza ukuba ungathanda ukutshala imali eninzi, kwaye ubuze malunga nezohlwayo zokuqala zokurhoxiswa kunye nezinye iimveliso zeCD. Ibhanki ingaba neenkcukacha ezongezelelweyo zeCD ezinokulungeleka kangcono kuwe, ingaba zinikeza amazinga aphezulu, uguquko oluninzi, okanye ezinye iimpawu.
Emva kokuba uthumele imali kwi-CD, uza kubona i-akhawunti ehlukile kwizitatimenti zakho okanye kwideshibhodi ye-intanethi. IiCD zingabanjelwa phantse nayiphi na i-akhawunti, kubandakanywa i- akhawunti yomhlalaphantsi (IRAs) , ii-akhawunti ezidibeneyo, i-trust kunye ne- akhawunti yokugcina .
Amacandelo okusebenzisa iiCD: iiLadders kunye nezinye
IiCD iixesha elide zibonakala zikhangeleka ngaphezu kweCD ezifutshane, kuba zihlawula ngaphezulu. Nangona kunjalo, akusoloko kukhethwe ngokufanelekileyo. Umzekelo, i-CD yeminyaka emihlanu iyalima imali ixesha elide-kunzima ukuqikelela ukuba ngaba uya kuyidinga loo mali kwiminyaka emihlanu.
Ngaphezulu, ukuba uthengela i-CD xa ixabiso lomyinge liphantsi, unokuzikhiya kwi-CD ephantsi ehlawulayo kwiminyaka emihlanu ezayo-kuthethi ukuba inzala (kwaye ngoko ke amaxabiso e-CD ) aphakame kunyaka ozayo okanye ezimbini? Unokuba ngcono xa usebenzisa ii-CD ezifutshane ezihlaziya amazinga aphezulu.
Ukuba unomdla ekusebenziseni ii-CD zexesha elide, hlalutya amacebo okukunceda ukwandise ukonga kwakho. Isicwangciso esiqhelekileyo sesicwangciso-mali seComputer abasebenzisa yile nqanaba: Thenga iiCD ezahlukeneyo ngamagama ahlukeneyo ukuze ube nemali ekhoyo rhoqo. Izindleko zikunceda ukuba ungayigodli yonke imali yakho kwi-CD ehlawuleyo, kwaye ikunceda ukuba ugweme ukuphuma kwangoko kwaye uhlawule izigwebo. Ukufumana iinkcukacha ezongezelelweyo, funda indlela yokusebenzisa iimodeli zeCD .
Enye indlela yokuzikhusela kukusebenzisa ii-CD ezinika ukuguquguquka. Bangakuvumela ukuba:
- Phuma kusasa ngaphandle kokuhlawula nayiphi na isohlwayo.
- "Bump up" inzala yakho inzala kwizinga eliphakamileyo, ukunyuka kwamanani amaxabiso.
Njengoko unokulindela, ii-CD ezinokunyuka kwezimo zincinci zinciphisa ixabiso lentlawulo.
CD yoKhuseleko
Ngokubhekiselele ekukhuselekeni, ii-CD zifana nemali ekugcineni kwakho okanye ukujonga i-akhawunti . Ukucinga ukuba iifom deposits yakho i -insured ye-FDIC (okanye ifakwe phantsi kwe- inshuwalense ye-NCUA xa usebenzisa i- credit union ), unesiqinisekiso soburhulumente. Urhulumente waseUnited States uza kuqinisekisa ukuba ufumana yonke imali yakho xa ibhanki yakho ihamba ngesisu. Oko kukukhuselekileyo njengoko unokufumana.
Naliphi utyalo-mali, kufuneka ukhethe phakathi kwengozi kunye nomvuzo. Ii-CD ziwela kumngcipheko ophantsi, umvuzo ophantsi we-spectrum. Ziyindawo enhle yokugcina imali engakwazi ukuyilahleka ngenxa yokuba kufuneka uyichithe kwiminyaka embalwa elandelayo. Ukuba awuyi kusebenzisa imali kwiminyaka emininzi, hlalutya ezinye utyalo-mali kunye neeCD malunga neenjongo zakho zexesha elide.
Ukuba uza kutyala imali kumaCD, ngokuqhelekileyo uya kufuna ukufumana amaxabiso aphezulu. Kukho nawaphi na iCD (iinyanga ezingama-6 ze-CD ze-$ 1,000, umzekelo) iibhanki ezahlukeneyo kunye neemanyano zentengo zemali zinikela ngeerhafu ezahlukeneyo . Ukwandisa i- APY oyifumanayo kulondolozo lwakho, sebenzisa izicwangciso kunye nemikhiqizo efanisa iinjongo zakho, kwaye uthengise ngeenxa zonke.
Ixesha elingakanani?
Usuyazi ukuba ii-CD ezide zihlala (kodwa kungekho njalo) zihlawula ngaphezu kweCDs ezifutshane. Ingaba oko kuthetha ukuba kufuneka uhlale ukhetha iiCD zamaxesha athile ukuze ukwandise umvuzo?
Akunjalo. Ukongeza kokugcina imali yakho ivalwe xa ungayidinga, ii-CD zexesha elide zingakubangela ukuba uphuphe xa kuphuma amaxabiso. Ukuba ufumana isamba semali ofuna ukuyifaka kuma-CD, ukubuyiswa kwakho kuya kuxhomekeka kwindlela inzala ephezulu ngayo ngosuku othenga ngayo i-CD yakho. Ukuba iirhafu ziphantsi kakhulu, ii-CD zangexesha elide ziya kuhlawula encinci-kwaye uya kungena kulo mzuzwana omncinci kwiminyaka emininzi ezayo.
Akwenzeki ukuba nantoni na into ngokugqibeleleyo, kodwa kukufanelekile ukubeka ingqalelo kwiintlawulo zenzalo nokwenza ukuqikelela malunga nexesha elizayo. Unokuqiqa into engalunganga, ngoko qi Kwakhona, ii-CD zamanqanaba zikunceda ukuba ugweme iingxaki ezivela ekuqaliseni izinto ezingalunganga ngokusasaza imihla yakho yokukhula nokunika inkqubo yokulandela.
Ukuba ukholelwa ukuba amazinga omdla aphezulu kwaye aphela, iCDs zangexesha elide zingenza ingqiqo. Gcina nje ukhumbule ukuba akunakwenzeka ukuqikelela ikusasa.
Iindidi zeCD
IiCD ziza kwiifom ezahlukeneyo. Amabhanki kunye neemanyano zemali-mboleko ziyaqhubeka nokubonelela ngeendlela ezintsha kubathengi. Ngokwesiko, ungachaza iCD njengolu hlobo:
- Unesilinganiselo esicwangcisiweyo esingatshintshiyo.
- Uya kuhlawula isohlwayo xa uphuma ngokukhawuleza.
Akusekho.
IiCD CD (okanye "akukho majelo" iiCD) zivumela ukuba ukhuphe imali yakho naliphi na ixesha ngaphandle kokuhlawula isohlwayo sokuthoma. Ukuba nokuguquguquka kukuvumela ukuba ube nempumelelo kwaye uthumele imali yakho kwiCD ephezulu ehlawulayo xa ithuba livela.
Ukuba unako ukuphepha ukuhlawula isohlwayo, kutheni ungasoloko usebenzisa ii-CD zangasese? Ukuzinza kufike kwixabiso: ii-CD ezikhohlakeleyo zihlawula inzala engaphantsi kweeCD ovalelwe kuyo, zonke ezinye izinto zilingana. Oku kunengqondo ukuba ubheka izinto ukusuka kwibhankini yombono-bathatha yonke ingozi. Sekunjalo, ukuba unethemba lokuba amaxabiso aya kuvuka kungekudala, kwaye kwenzeka ukuba uchanekile, ukufumana imali encinane kwithuba elincinci kunokuba lufanelekile ukuba ungatshintshela kwisantya esiphezulu kamva.
Ukuba ucinga ukusebenzisa i-CD engumanzi, qiniseka ukuba uyaqonda nayiphi na imiqobo. Nangona uthanda ukuguquguquka, umkhiqizo awukwazi ukulula njengoko ucinga. Ngamanye amaxesha unganamathele xa unokukrazula imali, kwaye kunokuba kunokuthintela ukuba ungathatha buninzi ixesha.
I-CD-bump-up ihlinzekela inzuzo efana neCDs ezikhuselekileyo: Awunamatheli ngokubuya okuphantsi ukuba ixabiso lentengo liphakama emva kokuba uthenge i-CD. Ngomqulu we-CD, ugcina ukugcina i-akhawunti yakho ye-CD ekhoyo kwaye utshintshe kwizinga elitsha, eliphezulu (ekuthini ibhanki yakho inika amazinga aphezulu). Ukuze ufumane i-bump-up, unokufuneka uxelele ibhanki yakho ukuba ufuna ukusebenzisa i-bump-up option. Ukuba ungenzi nto, ibhanki ithatha ukuba ubambelele kwizinga elikhoyo. Awufumani i-bump-ups elingenamkhawulo, ngoko mhlawumbi ulindele amaxabiso ukuya phezulu.
I-CD-bump-up, njengeCD CD, qalisa ukuhlawula inzala engaphantsi kweCDs. Ukuba amaxabiso aphakama ngokwaneleyo, unokuphuma phambili. Ukuba amaxabiso ahlala ehleli okanye ewa, ubuya kuba ngcono ngeCD epheleleyo.
Ii-CD ze-Brokered enye enye. Ngamanye amaxesha anika amazinga angcono, kwaye ngamanye amaxesha ulungele ukuhamba ngqo kwi-bhanki yakho okanye kwimanyano yekhredithi. Ii-CD ezixubileyo zi-CD ezithengiswa kwi-akhawunti ye-brokerage . Esikhundleni sokuvula i-akhawunti kwibhankini kunye nokukhetha kwabo iiCD, unokuthenga iiCD ezinqabileyo kwiibhanki ezininzi kwaye uzigcine zonke kwindawo enye. Oko kukunika amandla okukhetha nokukhetha, kodwa ukuwaphula iiCD kuza nemingcipheko eyongezelelweyo. Ukuqala, uya kufuna ukuqinisekisa ukuba nayiphi na ibhanki oyiqwalaselayo i- FDIC-insured -CD ngaphandle kwinshorensi inakho ukuhlawula ngaphezulu (akumangalisi), ukuze bafumane ingqalelo. Kwakhona, ukuphuma kwi-CD ephambili ekuqaleni kunokuba nzima. Ukufumana iinkcukacha ezongezelelweyo, funda indlela ii-CD Brokered Work .
Shop Around
Ukuba ufuna ukuyigcina ngeCD, unokwenza ngokuqinisekileyo xa usuvele ukhangela i-akhawunti kunye nokugcina imali. Nangona kunjalo, unokwenza ngcono xa uthengisa. Kuthe okanye akufuneki ukuchitha ixesha lokuthenga kuzakuxhomekeka kumsebenzi ongakanani ongayifumana (akukho ndawo ekuvuleni i-akhawunti entsha ukuba uza kuzuza i-$ 7 eyongezelelweyo ngaphezu konyaka-ixesha lakho lixabisa ngaphezu koko).
Hlola iintengiso zendawo: Ukuze ufumane amaqhinga amahle, jonga "iingcali" ezivela kwiibhanki zendawo kunye neemanyano zesikweletu. Ezi zinokubonakala kwiintengiso kwi-intanethi okanye kwimithombo yeendaba zendawo. Xa iibhanki kunye neemanyano zetyala zifuna ukutsala iiphozithi, zinikela ngenani leemali zenzalo ephakamileyo ngokubamba ingqalelo. Njengoko unjalo, khumbula ukuba ukuba into ebonakala enhle ukuba yinyani, mhlawumbi awufumani ibali elipheleleyo. Qinisekisa ngemveliso eqinisekisiwe ye-FDIC (okanye iiCDs ezikhuselekile ze-NCUSIF ukuba usebenzisa i- credit union ).
Yiya kwi-Intanethi: Khangela iiphatha kwi- intanethi-kuphela ibhanki kunye. Ekubeni iibhanki ze-intanethi zingenayo inqanaba elifanayo njengamaziko ezitena kunye namadaka, ziyakwazi ukunikela amazinga aphezulu (enye nje yezizathu zebhanki kwi-intanethi ).
Mane ubuze: Okokugqibela, ungesabi ukucela ibhanki yakho ngezinga elingcono. Ngokukodwa xa usebenza nebhanki encinci okanye inkontileka yemboleko kwaye wenze ibhizinisi elibalulekileyo kunye nabo, unokukwazi ukufumana okungaphezulu.