Ukukhulisa imali yakho ngokukhawuleza kwaye kulula kunanini ngaphambili
Phakathi kokujonga iakhawunti oyisebenzisayo ukusetyenziswa kwemini yemihla kunye ne-akhawunti yokutyalomali esetyenziselwa iinjongo zexesha elide i-akhawunti yokulondoloza. I-akhawunti yokulondoloza i-akhawunti ye-akhawunti yasebhanki eqinisekisiwe ye-FDIC apho ungayigcina imali kunye nomdla.
Nangona amaxabiso enzala aphantsi kakhulu kwiibhanki ezinkulu zezitena kunye nomdaka, ukuba ukhangeleka kwi-intanethi kunye ne-subset yeebhanki kwilizwe lonke, unokufumana amaxabiso aphakamileyo ngamaphesenti amabini! Amanqanaba anomdla angatshintsha naliphi na ixesha, ngoko ukuba ufuna ukugxotha amanqanaba aphezulu, ungadinga ukutshekisha rhoqo kwaye uhambise imali yakho ngokukhawuleza ukucima amanqaku ambalwa okugqibela - igama elisetyenziswe enye-cent pesenti.
Hlalani nikhumbule ukuba kuzo zonke izilinganiso ezinkulu, ukuhanjiswa kweebhanki ukuze kufumaneke i-interest engaphezulu kwe-0,05 yepesenti akunakulungele umzamo. Ukuba uvula i-akhawunti yokugcina imali ephezulu kwi-bhanki oyithandayo, unokufuna ukugcina imali yakho apho nokuba enye ibhanki ihamba kunye nezinga eliphakamileyo. Nangona kunjalo, ukuba ufumana inzala yakho inomdla ngokukhawuleza emva kokufaka isamba esikhulu, unokuba usisilumko ukuhambisa imali kwenye indawo ukuyibeka ekusebenzeni ukuba ufumane ngaphezulu.
Yaye ukuba unomnatha ophezulu wokuncedisa umnqweno kwaye uhambisa imali enkulu ekugcinweni, khumbula ukuba i-inshurensi ye-FDIC inomda. Inkcazo ephezulu evela kwi-FDIC ibandakanya i-$ 250,000 nganye kumnini-akhawunti. Ukuba ubambe i-akhawunti ngokubambisana nomlingane, oko kuthetha ukuba unyuka ukuya kuma-500,000 e-balance balance yakho eqinisekisiwe nguRhulumente wase-US. Kodwa ukuba ugcina ngaphezu kwe-FDIC umyinge we-inshurensi kwaye ibhanki inenkathazo yezemali, idiphozithi yakho ingasengozini. Le nto ayixhalabelekanga namhlanje, kodwa kwiminyaka elishumi edlulileyo ngexesha elide lokubuyisela, iibhanki ezininzi zahluleka kwaye zavala iingcango zabo, kwaye abo abanomlinganiselo ongaphezu kwe-FDIC abafakiweyo abanako ukufumana konke.
Ukuba unayo ibhalansi enkulu yokushiya imali yokugcina imali, qiniseka ukuba uhlale uyazi le miqathango ye-FDIC ukuze ungaphepheli ukulahlekelwa yi-cent ye-cash ear-earned.
Ngoku, kunye nakho konke okuthethileyo, nolu luhlu lwezinga eliphezulu lokugcina imali kwi-akhawunti.
01 Eyona ndawo ihamba phambili: I-Akhawunti ye-Akhawunti ye-Savings kuphela
Izinga eliphezulu lokulondoloza eli lizwe njengoko kulo mbhalo luLwazi oluLwazi oluPhezulu oluLwazi oluLwazi oluPhezulu. Le ngxelo inika umyinge wokuthakazelisa umlinganiselo we-2.00 wamaphesenti APY. Njengazo zonke i-akhawunti kuleluhlu, i-FDIC iqinisekisiwe.
Ukuvula i-akhawunti entsha kwaye ufanele ukufumana le nqanaba, abanikazi be-akhawunti entsha mabafake i-balance ye-5,000 ye-open balance. I-akhawunti inikeza umdla onomhla wokuqulunqa.
I-Direct Direct ibhanki eline-intanethi enika le akhawunti ephezulu yokulondoloza imali kunye neeCD. Ama-akhawunti afikeleleka ngebhanki kwi-intanethi. Unokufaka kwakhona kwi-akhawunti kunye nesitokethi yesitokethi kwisitfowuni sakho, okwenza kube lula ukongeza kwi-savings.
02 Ilungelelaniso kuma-Balance Ngaphantsi kwee-5,000 zamawaka: Salem Five Direct eOne Savings
I-Salem I-Five Direct inikezela ngesantya somdla wesibini ephezulu kwi-API. Unokuvula i-akhawunti nge-deposit $ 100. Akukho bhalansi encinane xa i-akhawunti yakho ivulekile, kwaye akukho mali yenyanga.
Eli nqanaba liphezulu ngaphezu kwexabiso leCD kwiibhanki ezininzi, kodwa njengabanye kuloluhlu, i-akhawunti ayikho ixesha eliboshwe. I-akhawunti yokulondoloza ibinomda weesithandathu zokurhoxiswa ngenyanga. Lo mda ukhankanywe nguMiselo weBhodi yeBhodi yokuGcina iD, ngoko ungawutyalali iibhanki. Kodwa ungayifaka kwi-akhawunti yokulondoloza kaninzi kangangoko ufunayo ngenyanga, kuxhomekeke kuyo nayiphi na ibhanki ebekiwe.
I-Salem I-Five Direct isebenza kwi-Salem, iMisa. Abanikazi be-Akhawunti bafumana ukufikelela kwiibhanki ze-intanethi kunye ne-intanethi, iifowuni eziphathekayo, izilumkiso zetekisi, kunye nokudluliselwa kwi-akhawunti zangaphandle nakwamanye amabhanki.
03 Eyona ndlela ihamba neDistim evulekileyo yokuvula: I-akhawunti ye-DollarSavingsDirect ye-Dollar yokulondoloza
Ukuba ufuna ixabiso eliphantsi lokuvula ibhalansi, iDollarSavingsDirect yindawo eya kuyo. Ngomlinganiselo omncinci wokuvula we-$ 1 kuphela, unokuvula i-akhawunti ehlawula i-1.80 yeepesenti ye-APY. Xa ucinga ngewebhusayithi engabonakaliyo, ibhanki i-insured ye-FDIC ukuze ukwazi ukuba imali yakho iphephile.
I-akhawunti ayikho ubuncinci kwaye akukho mali efana nayo nayiphi na i-akhawunti yokugcina. I-DollarSavingsDirect ibanjwe yi-Emigrant Bank, ibhanki yendalo yokugcina imali kunye neengcambu zibuyela ngo-1850.
Emva kokuba uvula i-akhawunti yakho ye-akhawunti ye-DollarSavingsDirect ye-Dollar Savings, uya kuhlawula i-akhawunti nge-akhawunti yokujonga idibaniselwano, ongayisebenzisa ukwenza iifomethi kunye nokuhoxiswa kwexesha elizayo.
04 I-Best Best Introductory Rate: VirtualBank eMoney Market
Le akhawunti ingekona i-akhawunti yokugcina imali, yinkcazo yemali yokugcina imali. Kodwa kubathengi bebhanki, konke okufuneka ukwazi ukuba kusebenza kakhulu kunjengeyiphi enye i-akhawunti yokulondoloza kwaye i-FDIC iqinisekisiwe.
I-akhawunti ye-VirtualBank yeMoney Market ikhangeleke kakhulu kuba iqinisekisa ukuba inzala yonyaka omnye kubaxhasi abatsha kwi-VirtualBank. Le akhawunti ayikho imali-mali. Nangona kungenayo ibhalansi encinci, kufuneka ugcine imali engama-100 yansuku zonke ibhalansi yokukhusela i-$ 5 yemali yenyanga yenkonzo.
Abanikazi be-Akhawunti banokufikelela kwiakhawunti yabo ngeefowuni kunye ne-intanethi ye-bank kunye neselula. Emva konyaka omnye, inzala yenzalo iyahla. Amaxabiso angoku angama-0.80 ekhulwini kuma-akhawunti aseMoney Market ase-Standard, aphezulu kakhulu ngaphezu kwezinga le-akhawunti yokugcina imali, kodwa ngaphantsi kweerhafu eziphezulu ezithathayo ukwenza olu luhlu.
05 Best Best Balances High: I-IncredibleBank High Yield Savings
I-IncredibleBank inikezela ukutshekisha, ukugcinwa, kunye neeCD kunye namazinga okukhuphisana ngokubanzi, kodwa ukuba unako ukulinganisa imali engama-25,000, uya kufaneleka ukufumana i-1.76 pesenti ye-APY. Ama-akhawunti nge-balance balance below $ 25,000 athola i-1,21 yeepesenti APY.
Ama-akhawunti afuna u-2,500 wemali yokuvula ibhalansi encinci, kodwa mhlawumbi awuyi kuba nexhala malunga nokuba usukela i-1,76 pesenti ephezulu I-APY intlawulo yesantya efuna amaxesha alishumi ukuba athole inzala ephezulu.
Le bhanki idinga ibhanki ye-intanethi kunye ne-e-statements ukuze igweme intlawulo ye-statement yemali ye-$ 5 kodwa ayikho enye imali yesondlo yenyanga. Izinketho zebhanki ze-intanethi ziquka i-app yeselula, ukudluliselwa kwebhanki kunye nezinye izinto ezinobuncedo.
06 Eyona nto ingaphandle kwe-Required Balance High: I-akhawunti ye-CIT ye-akhawunti yeMarike yeMali
I-Bank ye-CIT, ukuba ingadideki kunye neCiti Bank, inika imali engcono kakhulu yemarike yerhwebo kwimali engaphantsi kwee-akhawunti kunye ne-1.75 ekhulwini. I-akhawunti idinga imali engama-100 yokuvula ibhalansi.
I-akhawunti yokulondoloza iMarike yeMali inikezela ngebhanki ye-intanethi kunye nemveliso ebizwa ngokuba yiNtlawulo yabantu. I-akhawunti ayikho imali yokuvula okanye yenyanga yenkonzo.
Ngokungafani neebhanki ezininzi kuloluhlu, i-CIT inikeza indawo yebhanki yesebe, kunye neendawo ezingama-71 zaseCalifornia ngokweendawo zeBhanki zase-US. Kodwa ngaphandle kwe-Golden State, unako ukuvula nokugcina i-akhawunti kwi-intanethi.
07 Eyona ndlela iphezulu ngeDistim eViweyo yokuPhula kweNgcaciso: I-akhawunti ye-PurePoint ye-Akhawunti yeMali
I-PurePoint Financial inikezela nge-akhawunti yokulondoloza nge-1.75 yepesenti APY. I-akhawunti idinga i-deposit deposit engama-$ 10,000 encinci yokuvula, leyo yona mfuneko evulekileyo yokuvula kuloluhlu. Kodwa inika enye yezinga eliphezulu lokulondoloza kweli lizwe, ngoko liye lenzelwa ukuba unayo i-$ 10,000 + ukuze uyibeke.
I-PurePoint Financial yi-division ye-Mitsubishi UFJ Financial Group. Eli gama alisaziwa ngokubanzi eUnited States kodwa liqela lesihlanu lemali elikhulu kwihlabathi. Abahlali baseCalifornia, eWashington naseOregon baqhelane nelinye isebe lenkampani: iBhanki yeYunivesithi. I-Bhanki ye-Union isebenza ngamasebe angama-398 kumazwe amathathu aseNtshona Kapa.
I-PurePoint inikezela amazinga okukhuphisana kuwo onke amaninzi ngaphandle kwemali yenyanga, kunye ne-intanethi kunye neebhanki. Awudingi ukugcina ibhalansi ye-$ 10,000 kwi-akhawunti ukukhusela iimali, kodwa inzala yakho yenzalo iyancipha kwi-0.25 yeepesenti APY yezilinganiso ezingaphantsi kwe-$ 10,000 umda, ngoko uya kufuna ukugcina loo mali eyi-$ 10,000 okanye ucinge ukubeka imali yakho kwenye indawo.