Option Low Risk / Return
Iziqinisekiso zeDisposithi
Ii-CD zi-investments ezikhuselekileyo ezifumaneka kwiibhanki kunye neemanyano zemboleko .
Bakhokhela inzala kwimali yakho, kwaye bahlala behlawula ngaphezu kokuba ungayifumana kwi-akhawunti yokugcina imali. Ukuze ufumane umgangatho ophezulu, kufuneka ushiye imali yakho engakhange uyifumane kule akhawunti ngexabiso elithile (njengeenyanga ezili-18 okanye kwiminyaka emibini).
Ukutshintshisana nokuzibophezela, ibhanki yakho ihlawula inzala. Kodwa kuthekani ukuba ufuna imali yakho kungekudala? IiCD zivame ukuvumela ukuba uhoxise imali yakho ngaphambi kokuba iphela iphela, kodwa ngokubanzi uza kuhlawuliswa isigwebo sokususwa kwexesha elide . Nangona kunjalo, amanye amaCD ayenayo i-CD , evumela ukuba udonse okanye yonke imali yakho kusasa ngaphandle kwesihlwayo. Gcina ukhumbule ukuba akukho nto inokuthi ihlawulwe kwi-bhanki, kodwa unokuhlawula irhafu okanye izigwebo kwi-IRS xa ususa imali kwi-IRA.
Ii-CD zityalo-mali olulula: ukhetha ixesha okhululekile ngalo kwaye uyazi kakuhle ukuba uza kuzuza phi. Unokufumana amacebo aphambili kunye nokusetyenziswa njengamanqanaba e- CD ukulawula utshintsho kwizinga lentengo kunye nemfuneko yokufuna imali.
IiNgxelo zeRhafu yomhlala ngamnye
IRAs uhlobo lweakhawunti eyenzelwe ukugcina umhlala-phantsi. Banikela ngeenzuzo ezithile zentlawulo (eziza kunye ne-tradeoffs, eqinisweni), enokuqiniseka ukuba unokukunceda ukwakha ngaphezulu umhlalaphantsi:
- Iminikelo inokuthi ihlawulwe irhafu (kuxhomekeke kwingeniso yakho kunye nohlobo lwe-IRA oyisebenzisayo)
- Inzala efunyenwe ngaphakathi kwi-akhawunti inokukhuselwa kwerhafu yangoku (okanye irhafu-ntlawulo, kwakhona ngokuxhomekeke kuhlobo lwe-IRA oyisebenzisayo)
Kukho ezimbini iintlobo ezisisiseko ze-IRAs: i-Traditional kunye neRoth. Ngeemveli ze-IRA, unethuba lokuba (mhlawumbi) uthathe igalelo lakho-khangela ngephathi yakho yerhafu ukuze ufumane ukuba unako ukuthatha. Kamva xa uhlala phantsi, uya kufuneka uhlawule irhafu yengeniso kulabo bahoxayo. NgeRoth IRA, iminikelo yakho ayinakudityaniswa. Nangona kunjalo, unethuba lokuba (mhlawumbi) uhoxise imali yakho ngaphandle kwecala lokuhlawulwa kwelinye irhafu - ucinga ukuba ulandele yonke imithetho ye-IRS kwaye ufumane imvume kwi-preparer yakho yentela.
Ukutshintshela ukubonelela ngezibonelelo ezithile zerhafu, kukho iindidi ezinxulumene nee-IRAs . Kwezinye iimeko, ukuba uchithe imali yakho kusasa, unokuhlawula iintlawulo zerhafu ezongezelelweyo. Qinisekisa ukuba uyayiqonda imithetho ngaphambi kokuba ufake imali kwi-IRA.
Ukusebenzisa ii-CD ngaphakathi kwe-IRA
IRA ngumhlobo weakhawunti ekuvumela ukuba usebenzise iintlobo ezininzi zeentlobo-mali-iiCD kuphela. Ngokufanayo, unokukwazi ukufumana iiCD ngaphandle kweakhawunti yakho yokuthatha umhlalaphantsi: unako ukuzibamba ngabanye, okanye ngokubambisana nomlingane, umzekelo.
I-CD IRA yi-akhawunti yomhlala-phantsi otyalomali ngokupheleleyo kuma-CD.
Esi siqhinga ongasisebenzisa xa ungumtyalo-mali ohlala efuna ukuqiniseka ukuba awulahlekelwa yimali kwiimarike zasohlwayo. Ukucinga ukuba ibhanki yakho (kunye nemali yakho) yi- FDIC insured , unesiqinisekiso soburhulumente ukuba awuyi kulahlekelwa yimali kule akhawunti.
Nge-IRA yakho imali-mali kwi-CDs, unokulindela ukufumana okungaphezulu kunokuba ungayifumana kwi-akhawunti yokulondoloza. Oku ncinane kunceda, kodwa kusenokuba kunele ukukunceda ukukhupha umthamo wexabiso lentengo kwixesha elide. Ngokuxhomekeke kwiimfuno kunye neenjongo zakho, kunokufaneleka ukujonga ezinye iintlobo zotyalo-mali. Thetha nomcebisi wendawo, onikwe ilayisenisi yemali ukufumana okulungileyo kuwe.
Ukusebenzisa iiCD (okanye kungekhona) kwi-IRA akuyona into emnyama-okanye emhlophe. Unayo ii-CD kunye nezinye iintlobo zotyalo-mali.
Kubalulekile: imithetho yerhafu iyanzima, kwaye imithetho iguqule ngezikhathi ezithile.
Thetha nomcebisi werhafu osebenzayo wendawo phambi kokuba wenze izigqibo malunga nokuba wenze ntoni (okanye cha) ngemali yakho.