I-Akhawunti Yokugcina I-Vanilla
Ingangathi ibonakale imdala, kodwa ngamanye amaxesha akukho nto ibetha i- akhawunti yokugcina i-passbook . Njengendlela ekhuselekileyo kwimali yemarike yemali, i-akhawunti yokulondoloza ihlawula inzala engaphantsi, kodwa iibhanki zihlala ziphantsi ubuncinci ukuvula i-akhawunti. Uya kufumaneka ngokukhawuleza kwiimali zakho nge-ATM, ukuxhaswa kwe-FDIC kwimeko yokungaphumeleli kwebhanki, kunye nokulungeleka kweofisi yesebe yasekuhlaleni.
I-Akhawunti yeMali yokuThumela iMalike
Nangona abantu bevame ukudibanisa ii-akhawunti ezimbini, i-akhawunti yemarike ye-akhawunti isebenza ngokuhlukileyo kunokuba i-cash market mutual fund. Le akhawunti, edlalwa ngamafayile okurhweba, ngokubhekiselele kufana ne-akhawunti yokulondoloza. Ezinye iimarike zemali idibanise ii-akhawunti zize zinikeze ngamalungelo okubhalisana kunye nezinye iimpawu ezifana ne-akhawunti yebhanki rhoqo. Nangona lolu hlobo lwe-akhawunti luvelisa inzala ephakamileyo kune-akhawunti yokulondoloza ibhanki, ngokuqhelekileyo ihamba nemfuneko ebhalansi yobuncinane.
ISatifikethi seDisposithi
Izatifikethi ze-deposit , okanye ii-CD, ziyi-investments engeniso-mali enokubandakanya ubeka, okanye "ukuboleka" imali kwibhanki ekhuphayo ixesha elide elimiselweyo-umzekelo, iinyanga ezintathu, iinyanga ezintandathu, unyaka owodwa, iminyaka emi-2, iminyaka emi-5, Iminyaka eyi-10-ngokutshintshela isivuno esicwangcisiweyo. Ngokuqhelekileyo, ngokude uzimisele ukuvalela imali yakho, iphakamileyo inzala enokuyifumana.
Ngokuxhomekeke kwosuku lwakho lokuvuthwa olukhethiweyo, ii-CD zingakhokhela inzala ephakamileyo kunokuba i-akhawunti yemali idibanise imali. Njengoko kunye ne-akhawunti yokulondoloza, ii-CD ziqinisekisiwe yi-FDIC ukuya kwimida ekungenayo, nangona unako ukwandisa loo mida ukuya phezulu njenge-$ 1.25 yezigidi ngokusebenzisa ukusetyenziswa kwamasu afana nokusebenzisa ukutyunjwa okuza kuhlawulwa . Ngaphazamisekanga, ukuba ufuna ukuhlawula i-CD yakho ngaphambi komhla wokukhula, uya kuhlawuliswa isohlwayo.
KwiNgcaciso yeMali
Ukuba unemali engaphezulu kwenguqu ye-inshurensi ye-FDIC kwaye ungafuni ukujongana nokusasazeka kwiibhanki ezininzi, cinga ukubeka iifowuni zakho kwi-akhawunti ye-TreasuryDirect kunye neSebe lase-United States leNondyebo.
I-akhawunti ye-Nondyebo ye-Nondyebo ibonisa ezinye zezokhuseleko ezisemgangathweni kwishishini-mali, njengoko linikeza amandla okutshala imali yakho kwiibhilikhwe zemali, amanqaku, kunye neebhonkrithi ezikhutshwa nguRhulumente wase-United States kwaye zixhaswe ngamagunya angafanelanga karhulumente wokuhlawula kunye nomgaqo-siseko womgaqo-siseko. hlawula i matyala.
Bond Mutual Funds
Iimali zeBond, ngelixa zifaka ingozi ethile, ingaba yindlela efanelekileyo yokufumana imali yemarike yemali kwaye inokubuyisela isivuno esiphezulu. Njengempahla yesigxina, imali yokubophelela imali ixhamla imali kubanini-mali abatyali-mali ukuba batyalole kwiintlobo ezahlukahlukeneyo, kunye nenjongo yokutshala imali.
Oku kukuvumela ukuba utyunye kakuhle utyalo-mali lwakho kwiimbopheleleko ezininzi kunokuba utyalomali kwiibhondi zenkampani enye, njengezibophelelo zenkampani. Isikhwama sesigqeba sivumela utyalo-mali oluncinci kwaye lunengqondo ngokuhlala ixesha elide. Gcina ukhumbule ukuba uza kuhlawula umrhumo wonyaka wolawulo kunye nekhomishini, okanye umthwalo xa wenza utyalo-mali.
I-Bond Exchange-Traded Funds (ETF)
I-ETFs yeBond , eqaliswe ngamashishini athile olawulo lweefa, bafuna ukudibanisa ukugcinwa kwemali kunye nokuthengwa kwemali . Nangona i-ETF idibeneyo ibeka imali kwiqela leebhondi ezahlukeneyo, njengemali ehambelanayo kunye neengxowa-mali, zineenkcenkcesho ezimbalwa, njengemali ephantsi kunye nokukhanya okupheleleyo malunga nokuba yiyiphi iimbophelelo ze-ETF zihlala naliphi na ixesha. Uza kuthengwa izabelo kwi-ETF ye-bond kunye nomthengisi kunokuba yinkampani yokuxhaswa kwezimali.
Bathengiswa kwiimakethe ezivulekileyo njenge-stock, kwaye unokuthenga kwimida okanye uthengise imfutshane, ngokungafani neemali ezixhaswa kunye. Nangona iimali ezibophelelweyo zenza ingqondo engcono kwiqhinga elide elide ngenxa yeemirhumo ezibandakanyekayo, ii-ETF zidibeneyo zisebenza kakuhle kubatyalomali abafuna ukuthenga nokuthengisa amashishini rhoqo.
I-Balance ayinikezeli irhafu, utyalo-mali, iinkonzo zemali kunye neengcebiso. Ulwazi lwenziwa ngaphandle kokuqwalasela iinjongo zotyalo-mali, ukunyamezela ngengozi okanye imeko zezimali kwanoma yimuphi umtyalo-mali othile kwaye angenakufaneleka kubo bonke abatyalo-mali. Ukusebenza kwangaphambili akubonakali kweziphumo ezizayo. Utyalo-mali luquka ubungozi kubandakanya ukulahlekelwa kwinqununu.