Ngezantsi kukho amathuba ambalwa.
Ibhanki yakho iya ngaphantsi
Iimali zakho kwiibhanki zigqitywa ngu rhu lumente nge- inshurensi ye-FDIC . Kukho umda wokuba ubuninzi bunjani. Ngokuqhelekileyo i-akhawunti engama-250,000 yokuqala kwi-akhawunti nganye, kwisiko ngalinye, i-insured. Ngaphambi kuka-2008, lo mda wawuyi-$ 100,000, kodwa ngexesha leengxaki zezemali umda wanda kwaye ukwanda kwenzelwa isigxina. Ukuba unemali engaphezulu kwemiqathango yokukhawulela, kukho iindlela ezimbalwa zokufumana ingcaciso eyongezelelweyo:
- Sebenzisana nombhanki wakho ukudala izihloko ezininzi zeakhawunti, njenge-akhawunti enye ebizwa ngegama lomfazi, elinye egameni lomyeni, elinye elibizwa ngokubambisana, njl njl.
- Ukusabalalisa imali yakho kumaziko amaninzi. Ezinye iibhanki ziya kwenza oku kuwe ngokuthatha inxaxheba kwiprogram eya kubavumela ukuba bafake imali yakho kwiziqinisekiso zokufaka idizithi kunye nezinye iibhanki.
- Sebenzisa i-akhawunti ye-brokerage kwaye ngaphakathi kuyo uthenge iiCD ezivela kwiibhanki ezahlukeneyo. Unayo imali engama-250,000 kwiziko ngalinye, ngoko ke ukuba unama CD amane kwiibhanki ezine, ngamnye uxabisa i-$ 250,000, uza kuba needola ezigidi.
I-Money Market Yakho Imali Ixabiso
Imarike yemali ifumana iimali-mali ezifutshane; Ezinye zezo zityalo-mali, ezifana nephepha lokuthengisa, zibolekiweyo zexeshana ezimbalwa phakathi kweenkampani. Ziyabonwa njengekhuselekile kuba ithuba lokuba inkampani iza kuphuma kwishishini kwiintsuku ezingama-30-120 ngaphambi kokuba umboleko oza kuhlawulwa kakhulu.
NgoSeptemba ka-2008, ukhuseleko lwaloo mali lwalubuzwa, njengoko impilo yezemali inkampani ezininzi zihlolisiswa. Ukunciphisa ukukhathazeka, uNondyebo wakhupha isiqinisekiso sesigxina kubantu ababethe imali kwiimarike zemarike zemali. Iziko elikhupha imali yakho yemarike yemarike kufuneka ihlawule ukuthatha inxaxheba kule nkqubo yesiqinisekiso. Le nkqubo ayikho ndawo.
Iimali zeemarike zemali zenzelwe ukugcina intlawulo ezinzileyo ye $ 1.00 isabelo. Ukongeza, bahlawula umdla, nangona kwimeko ekhoyo ekhoyo, ininzi imali ihlawula phantse akukho nzala kubo bonke.
Inkcazo yeBhanki yeFayili yeNkampani yakho
Iinkampani zomshuwalense zifunwa ngumthetho ukuba zigcine iimali ezinkulu ezihlala zikhoyo ukuhlawula amabango. Ukuphakanyiswa kwezinga lekampani yenkampani yomshuwalense, ukukhuseleka kweemeko zabo zezezimali, kwaye ngoko ke kulula ukuba bakwazi ukuhlawula amabango.
Ukuba inkampani ekhupha umgaqo-nkqubo ochanekileyo we-annuity iya ngaphantsi, i-National Organization of Life & Health Insurance Associations (NOLHGA) iqinisekisa ukuba iinkqubo ze-inshorensi zihanjiswa kwi-insurer. Nangona le nqubo iyenzeka, i-annuity yakho ingashenxiswa, kwaye ingeniso kunye nenqununu ayinakufumaneka kuwe ukugqithiselwa kweempahla kwenkampani entsha igqityiwe.
Iimpahla kwi-variable annuity zibhekwa njengezinto ze-policyholder, kungekhona ixabiso lempahla yenkampani yomshuwalense, kwaye ngoko i-assets kwi-annuity eguquguqukayo ayifumanekanga kumbolekisi benkampani yomshuwalense kwimeko yenkampani yomshuwalense .
Ukulahlekelwa kweMandla okuThengwa ngenxa yexabiso lemali
Xa ukhetha ukwenza utyalo-mali olukhuselekileyo kuthetha ukuba injongo yakho ephambili yotyalo-mali kukugcina inqununu, nokuba oko kuthetha ukuba utyalo-mali lunika inzuzo engaphantsi okanye ukukhula. Ukuba kukho inzala encinci, ungakwazi ukulahlekelwa ngamandla okuthenga ngexesha.
Umzekelo, ukuba utyalo-mali lwakho olukhuselekileyo lwaluzuza u-2% ngonyaka, kwaye ukunyuka kwamaxabiso kwaba ngu-4% ngonyaka, nangona inqununu yakho iphephile, xa usuchitha imali ayiyi kuthenga izinto ezininzi kunye neenkonzo njengoko zisetyenziselwa . Oku kuthetha ukuba ngokwenene uphelelwa amandla okuthenga.
Uninzi lwabantu lubona ingozi yokulahlekelwa yinqununu ukuba ibe yingozi enkulu. Nangona kunjalo, ukuba unexesha elide, ukulahleka kwamandla okuthenga ngenxa yokunyuka kwamaxabiso kunokusebenza njengokukhukuliseka kwaye kubangele umonakalo omkhulu. Ukuba unexesha elide, ukuphepha ukulahlekelwa kwamandla okuthenga, cinga ukuhambisa ezinye zexesha elide utyalo-mali ekukhetheni ukonga okanye ukukhetha ukufumana imali.
Ukungabikho komthetho - Ukuhlawula isigwebo sokufikelela kwimali yakho ekhuselekileyo
Uninzi lwabiwo-mali olukhuselekileyo luqulethe iirhafu , oku kuthetha ukuba uya kuhlawula umrhumo ukuba ufuna ukufikelela kwiimali zakho ngaphambi komhla wokukhula. Ukude kude nosuku lokuvuthwa, utywala oluncinci utyalo-mali.
Kwimeko yesatifikethi se-deposit (ii-CD), isohlwayo sokuqala sokukrazula sinokuba luncinci, njengemali yeenyanga ezintathu. Kwimeko yenkxaso-mali echanekileyo, isohlwayo sokuqala sokurhoxisa sinokukhulu, njengokuhlawulwa kwentlawulo ephakamileyo njengoko ishumi okanye ishumi elinesibini kwipesenti zakho zotyalo-mali.
Enye yeenzuzo kwi-akhawunti yokulondolozwa kwebhanki kunye nemali yemarike yemali kukuba imali isele i-liquid, ithetha ukuba ikhona nanini na ixesha, i-penalty-free. Ukuba uzimisele ukubopha imali yakho ixesha elide, mhlawumbi usebenzisa i-CD okanye i-annuities, uya kufumana umlinganiselo wenzalo ophezulu ngaphezu kokuya kufumana imali ngakumbi, utyalo-mali olukhuselekileyo njengokonga okanye i-akhawunti yemarike yemali.