Iimali ze-Savings zase-US - Indawo ekhuselekileyo yokugcina imali

Isithuthi Sokusindisa okanye Siphantsi?

Ukuba ukhathele umlinganiselo wenzalo onobubele kwi-akhawunti yakho yokulondoloza ebhankini, unokufuna ukubheka izibophelelo zokugcinwa kwe-US kwindawo ekhuselekileyo yokugcina enye imali yakho. Uninzi lweeakhawunti zebhanki , ukhuseleko lwemali yakho luvela ekuqinisekisweni yi- Federal Deposit Insurance Corporation , okanye i-FDIC. Oku kunika i-inshorensi ukuya kuma-100,000 kwi-deposit. Ngelishwa, ngelixa imali yakho inokukhuseleka, kukho ithuba elihle lezinga lomdla kwi-akhawunti liphantsi.

Ngama-bond bond yase-US, imali yakho ikhuselekile, kodwa ayikho nge-inshurensi ye-FDIC. Izibophelelo zokulondolozwa zixhaswa ngokholo olupheleleyo kunye nekhredithi kaRhulumente waseUnited States. Kubantu abathile abafuna ukhuseleko lwenqununu yabo, banokuhlala belula ukukwazi ukuba nje nje urhulumente ejikelezile, bayaxanduva lokubuyisela inqununu yakho kunye nomdla.

Izinzuzo Zentlawulo zeBonding Bonds

Ngenxa yokuba izibophelelo zokulondolozwa zikhutshwa nguRhulumente wentlangano, zikhululekile kwiirhafu zaseburhulumenteni kunye neendawo. Ukongezelela, umdla ofunyenwe kwiibhondi unako ukuhlawulwa kwentela kude kufikelelwe intlawulo. Oku akufani nentshisekelo efunyenwe kwi-akhawunti yokulondolozwa rhoqo kunye neziqinisekiso zediphozithi apho inzala efunyenweyo ihlawulwa ngokupheleleyo njengemali engenayo rhoqo ngonyaka. Ukuba ukhathazeke ngeerhafu, ukugcinwa kweekhonkco kunokwenza uncedo.

Iimpawu zee-EE zeeNqaku

Umxhelo we- EE yi-bond egcinwe ngokusisigxina kwaye bathatha indawo yee-E ezigqityiweyo zangaphambili ezingakhange zikhutshwe nguNondyebo we-US.

Iingqungquthela zee-EE zithengwa ngomhla okanye emva komhla ka-Meyi 1, 2005, zifumana umyinge onomdla. Oku kukuvumela ukuba ubale ngokulula ukuba izibophelelo zakho zifaneleki naziphi na ixesha. Izibophelelo ze-EE ezathengwa phakathi kukaMeyi 1997 nakwi-Apreli 30, 2005, zifumana inzala esekelwe kwimveliso emi-e-year variable.

Iimpahla zeElectron EE

Izibophelelo ze-EE zingathengwa ngqo kwiNgcaciso ye-Intanethi ye-Intanethi.

Iibhondi zekhompyutheni zithengiswa ngokuxabisa ubuso, oko kuthetha ukuba uhlawula i-$ 25 kwi-bond ye-$ 25, kwaye ixabiso layo elipheleleyo xa lifumaneka ukukhuselwa. Ezi zibophelelo zingathengwa nayiphi na idoli yenani lama-25 okanye ngaphezulu. Ukuthenga okungaphezulu kwenyanga nganye yekhalenda yi-$ 5,000.

Iimviwo ze-EE zePhepha

Ngokungafani nekhompyutheni yekhompyutheni, izibophelelo zephepha le-EE zithengiswa kwisigxina sobuso babo. Umzekelo, uza kuhlawula i-$ 25 kwi-bond ye-$ 50. Ubhonkco buya kwanda ngokubaluleka kwexesha njengoko inzala itholakele kwaye ubophelelo alufikeleli kwixabiso lomntu de lide likhule. Kwakhona, ungathenga kuphela izibophelelo ze-EE kumaphepha e-pre-determined: i $ 50, i-$ 75, i-$ 100, i-$ 200, i-$ 500, i-$ 1,000, i-$ 5,000 kunye ne-$ 10,000. Isixa esiphezulu sokuthenga ngamnye kunyaka wekhalenda sinama $ 5,000.

Kubalulekile ukuba uqaphele ukuba xa uhlawulela uluhlu lwe-EE oludibeneyo nayiphi na ixesha kwiminyaka emihlanu yokuqala, uya kulahlekelwa yintando yeenyanga ezintathu. Ukukhulula ukubophelwa kwe-EE naliphi na ixesha emva kweminyaka emihlanu akuyi kufumana isohlwayo. Ukongeza, kufuneka ulinde ubuncinane omnye unyaka ngaphambi kokukhulula ukubophelwa kwe-EE.

Uluhlu lweeMali

Iibhondi zifana nezibophelelo ze-EE, kodwa zinehluko ocacileyo ekuqaliseni ukuba inzala ehlawulwa njani. I ndimela "ukunyuka kwamaxabiso", kunye nezicwangciso zamabhondi anomyinge wenzala okhokhelwe kwixabiso lokunyuka kwamaxabiso.

Oku kuthetha ukuba udibaniso lwakho lusetyenziswe ukuhamba kunye, okanye ukubetha umthamo. Umyinge wenzala ochanekileyo usekwe yinqanaba elimisiweyo elihlala lobomi bebhondi, kunye nezinga lokunyuka kwamanani eminyaka ngonyaka. Umlinganiselo wokunyuka kwamaxabiso unqunywe kanye ngoMeyi kwakhona ngoNovemba.

Nje ngohlobo lwe-EE, ungathenga iphepha ndidibene okanye ndithenge ngekhompyutha. Ukunciphisa okufanayo kusebenza ngaphandle kokuba zonke iibhondi zithengiswa ngexabiso elifanelekileyo kwaye ungathenga i-$ 5,000 ngonyaka. Uya kutshabalalisa iintlobo zontathu zakutshanje xa ukhulula undibophelele kwiminyaka emihlanu yokuqala.

Iyiphi Imali Yomdla eyenziwa yiBondings Bonds Pay?

Izinga lomdla kwiibhonkco ziguquka ngexesha elide nezinye iirhafu zentlalo-ntlupheko, kodwa u-EE izibophelelo ezikhutshwe phakathi kukaNovemba 2007 no-Ephreli 2008 zifumana i-3.0%. Ukubeka oku ngolu hlobo, ukubuyela emva kuka-1995, iireyithi zangexesha elide ziphakathi kwe-2.47% ephantsi ngo-2003 ukuya kuma-6.31% ngo-1995.

Umlinganiselo ofanayo nomlinganiselo wamanyanzelo emva koNovemba ka-2007 ufumana 4.28%.

Izibonelelo zeMfundo ePhakamileyo

Ngokuqaliswa kweCandelo 529 izicwangciso zokulondoloza ikholeji , ukusebenzisa izibophelelo zokulondolozwa kwemali ephezulu yokugcinwa kwemfundo kuye kwaba mnandi, kodwa banamalungelo athile. Nge-EE kunye nee-bonds ezikhutshwe emva ko-1989, umnini-mkhonkco unako ukuhlawulela i-bond ngaphandle kokuxhomekeka kwerhafu ye-federal kumdla, ngaphandle kokuba iindleko zemfundo ephakamileyo zifanelekile.

Ukongezelela ekubeni neendleko zemfundo ezifanelekileyo, kufuneka ube ubuncinane ubuneminyaka engama-24 ubudala ngosuku lokuqala lwenyanga owathengileyo ngayo. Ukuba ubophelelo kumntwana wakho, kufuneka abhalise egameni lakho kwaye umntwana wakho angabhalwa njengomzuzi, kodwa kungekhona njengomnini-mlingani. I-IRS iphinda ibeke imingcele yemingeniso apho ukukhutshwa kwerhafu kungafunwa. Jonga i- IRS Ifomu 8815 kwimimiselo yengeniso yangoku.

Xa iIngxowa-mali yoLondolozo iCandelo loTyalo-mali olufanelekileyo?

Izibophelelo zokulondolozwa kwe-US ngokuqinisekileyo ziindawo ezikhuselekileyo zokugcina imali, kodwa ufuna ukuqiniseka ukuba ubeka imali kwizibophelelo ngezizathu ezifanelekileyo. Khumbula, ixabiso lentengo linokuphakama ngaphezu kwe-akhawunti yokugcina imali, kodwa kunokubakho ukuxhalabisa ngokukodwa kokuqala. Ukuba kukho ithuba onokufuna ukufikelela kwimali phakathi konyaka owodwa, gcinani engqondweni ukuba awukwazi ukuyihlawulela intsimbi yokugcina imali kude kube yonyaka owodwa. Ukongeza, uya kulahleka inzala yeenyanga ezintathu ukuba ukhulula umtshato ngaphambi kweminyaka emihlanu.

Ngaphandle kwerhafu enomdla ngokubanzi ngaphezu kwe-akhawunti yakho yasebhanki, izibophelelo zokulondoloza akufanele zenze inxalenye ebalulekileyo yenkxaso yakho yexesha elide. Xa kuthelekiswa nezinye iimali-mali zangexesha elide ezifana nezitokhwe kwiakhawunti yakho yomhlala-phantsi , inzala efunyenwe iphantsi. Amasheya abuyele ngokukhawuleza phakathi kwe-9-11% ngokulinganayo ngonyaka, ngoko ukutshala imali kwixesha elizayo kuphela kwizibophelelo zokulondoloza kungeke kube neziphumo ezilungileyo.

Izibophelelo zokulondoloza kufuneka ziqwalaselwe ngeenjongo zemali kwindawo ethile phakathi kweminyaka emihlanu ukuya kweyishumi. Emva kweminyaka emihlanu ungayihlawulela iimbophelelo ngaphandle kwesihlwayo, kodwa uxhoma kwiibhondi ixesha elide kuneminyaka elishumi kwaye mhlawumbi unokubona ukubuyiswa okungcono kunye namanye amatyala.