Nama-CD amazinga aphantsi kakhulu.
Iimali zenzalo zichongiwe njani?
Amabhanki amisela ireyithi esekelwe kwinqanaba lomdla elinikezelwa yi-Federal Reserve. Ibhanki iyadingeka ukuba ibe nemali egcinwe kwi-akhawunti ye-deposit ukulinganisela inani leemali-mboleko ezinikezelwa yibhanki. I-Federal Reserve ibeka iirhafu zokunceda ukukhusela ukunyuka kwamaxabiso, ukuchithwa kwempahla okanye ukunyuka kwexesha elide. Xa bengenayo inzala ephakamileyo kwimali abayichithayo, ibhanki ayikwazi ukukunika inzala ephezulu kwimali enayo kwi-akhawunti. Nangona unokuba ubhiyozela izinga lentengo ephantsi kwiimali zokubolekwa kwemali kunye nemali-mboleko yemoto, zichaphazela kakubi amazinga ofumanayo kwi-akhawunti yakho yokugcina imali kwi-bhanki.
Ndingayifumana njani Imali Engakumbi kwi-Savings yami?
Ukuba unayo imali ofuna ukuhamba ngayo kunye nokunyuka kwamaxabiso, kuya kufuneka ukhangele ezinye iithuluzi zokutshala imali kunye nokulondoloza. Izibonelelo, iimali kunye kunye nezinye iimali-mali ziyakwenza umsebenzi olungeleyo wokugcina intlawulo ngokunyuka kwamaxabiso.
Nangona kunjalo, kukho umngcipheko omncinci ochaphazelekayo kutyalo-mali. Kufuneka uxoxe nomcwangcisi wezemali ukuba unomdla malunga nokuhambisa imali yakho kule hlobo le-akhawunti. Xa uzimisele ngokukwakhela ubutyebi kunoko nje ukugcina imali, kuya kufuneka ubeke imali yakho endaweni ethile ngaphandle kwe-akhawunti yokugcina imali.
Ukuba ukhetha ukutyalomali, kufuneka uqiniseke ukuba unokugcina indawo eyahlukileyo kwi-investments yakho xa ufuna ukufikelela kwimali ngokukhawuleza. Kungathatha ixesha lokuthengisa ii-stocks zakho kunye nokutsala utyalo-mali lwakho ngaphandle kwemarike.
Yintoni Endiyenzayo NgokuSindisa Kwexesha Elifutshane?
Ingxowa yakho yexakeka , kunye nokugcinwa kwexesha elifutshane, njengento yokuhlawula indlu kufuneka ihambe kwi-akhawunti yokulondoloza okanye uhlobo olufanayo lwe-akhawunti kwibhanki yakho. Ukuba uceba ukufikelela kwimali kwiminyaka emihlanu ezayo, kukulungele ukuyigcina kwi-akhawunti yokulondoloza ukugcina imali iphephile xa uyayidinga. Isikhathi sokuguqula iminyaka emihlanu asikho ixesha elaneleyo lokuvumela ukuba i-market ithole kwakhona xa ufuna imali. Ukuba ufuna ukufumana umlinganiselo wentsingiselo engcono kune-akhawunti yokugcina imali, unokucinga ukuba usebenzisa i-akhawunti yokulondoloza imarike yemali, i-CD (iSatifikethi seDistim) okanye usebenzisa i-akhawunti yokulondoloza inthanethi ukugcina imali yakho. I-akhawunti yokulondoloza i-intanethi inokunikela ngezinga elincinci lomdla ngenxa yeendleko ezisezantsi.
Nangona kunokuba kuphazamisekile ukuba neerhafu zenzalo ephantsi kunye ne-akhawunti yokulondoloza, yintengiso yokukhusela imali. I-FDIC iya kuqinisekisa i-$ 250,000 yokuqala ekhoyo ebhankini.
Kuthetha ukuba awuyi kulahlekelwa yimali nangona ibhanki yayizakuvala. Ukubeka i-fund yakho yengoxakeka kule hlobo le-akhawunti iya kukukhusela. Kuya kwenza kube lula ukufikelela kuloo mali xa ufuna.
Yintoni endiyenzayo ukuba ndiyenze ngokulondolozwa kwam ixesha elide?
Emva kokuba uxhaswe ngemali yakho yexakeka kunye neenjongo zokulondoloza, kwaye ufuna ukwakha ubutyebi, kufuneka ukhangele ezinye iindlela zokutshala imali. Kukho umahluko phakathi kokugcina imali kunye nokutyalwa kwemali . Xa ugcina imali, uyayifaka ecaleni ukufihla imvula. Xa utyalomali imali, uyayifaka ukuba isebenzele ukukunceda ukwakha ubutyebi. Ukubeka imali yakho kwi-akhawunti yokugcina imali ayiyi kukunceda imali yakho ikusebenzele. Oku kuqonda kuya kukunceda wenze izigqibo zobulumko zobulumko.