Ukuhamba kwiinketho zeAkhawunti zeBhanki eziqhelekileyo
Lo ndolozo
I-akhawunti yokugcina i-akhawunti yebhanki yokuqala ibanjwe ngabathengi. Abantwana bangavula i-akhawunti nomzali ukuba baqale umzekelo wokugcina. Abaselula bavula ii-akhawunti ukuze bahlawule ngemali ezuzwe kumsebenzi wokuqala okanye imisebenzi yasekhaya.
Uninzi lwabantu baseMerika basebenzisa i-akhawunti yokulondoloza ukubeka imali yengxakeko . Ukuvula i-akhawunti yokulondoloza kwakhona isebenza njengendlela yokuseka ubudlelwane bokusebenza kunye neziko lemali.
Okulungileyo: I-akhawunti yakho yasebhanki yokuqala , abantwana, abantu abadala abafuna indawo yokugcina imali okanye imali eyongezelelweyo.
Iimpawu zokugcina: I- akhawunti yokugcina imali ivelisa inzala ephantsi ekuthelekiseni ne-akhawunti yemarike yemali kunye neeCD. Ngokuqhelekileyo, abafikanga nekhadi lokubambisa ukuthenga , kwaye inani lokurhoxiswa ngenyanga lilinganiselwe.
- Yondla i-akhawunti yakho yokulondoloza ngecebo lokulondoloza ngokuzenzekelayo
Ukuhlola
Ukuvavanya iakhawunti kunika umboleki ngeakhawunti eyimfuneko ukufaka iifowuni , ukurhoxisa, nokuhlawula iimali. Ukuhlolwa kwePhepha, nangona ngokukhawuleza ukulahlekelwa ukuthandwa, kukhutshwa kwi-akhawunti. Ngoku kutshanje, ikhadi lokubambisa (okanye iqela lokukhangela) lithathwe njengendlela yokuqala yokuhlawula ukujonga i-akhawunti . Uninzi lweebhanki ngoku zinika iinkonzo zentlawulo ze-intlawulo ze-intanethi ngokujonga i-akhawunti, ekuncediseni ukuhlaziya iintlawulo.
Okulungileyo: Nabani na ofuna indawo ukuba afake ikhekheji okanye imali kwaye agcine ibhalansi phantsi kwe-$ 5,000, abantu abonwabela ngokulula kwikhadi lokukhangela.
Ukuchithwa kwee- akhawunti : Ukujonga i-akhawunti kuxhomekeke kwiintlobo zeemali, eziya kuba zibiza ngokukhawuleza. Iingxelo ezininzi zokujonga zihlawulisa imali yokugcina okanye zifuna ibhalansi encinci.
Izinketho zihluka ngokubanzi ukusuka kwiibhanki ukuya kwibhanki.
Imarike yeMali
I- akhawunti yemarike yemali ithola inzala engaphezulu kunokuba igcinwe okanye ihlole i-akhawunti, kodwa idibanisa iinkalo zombini. Kulabo bavame ukuthwala imilinganiselo ephezulu ekujongeni iakhawunti, ezi zinto ziyinkokhelo enkulu yokupaka imali. Amazinga aphezulu athetha ukuba imali isebenza kuwe kwaye inomdla .
Kukulungele: Abantu abamba izilinganiso zokulinganisela kwi-akhawunti yabo ye-$ 5,000 okanye ngaphezulu kwaye bafuna ukufumana amaxabiso amanqanaba aphezulu.
Iimpawu zokukhawula: Iimali ezininzi zeemarike zemali zineemfuno ezilinganiselweyo zokulinganisela ibhalansi ezivela kwii-5000 ukuya kwii-10,000 zamawaka. Amanqanaba enzala aphantsi, kwaye iirhafu zisenokuhlawulwa kwiakhawunti yemarike yemali. Ukuhoxiswa kudla ngokukhawuleza kwinani elithile ngenyanga.
Isiqinisekiso seDistim (CD)
I- akhawunti yeCD ngokuqhelekileyo ikuvumela ukuba ufumane ngaphezulu kunaliphi na i-akhawunti echazwe ngasentla. Yintoni ebanjwayo? Kufuneka uzibophezele ukugcina imali yakho kwi-CD ngexesha elithile. Umzekelo, ungasebenzisa i-CD yinyanga eyi-6 okanye i-CD yinyanga eyi-18, oku kuthetha ukuba kufuneka ugcine imali yakho kwidiphozi kwiinyanga ezili-6 okanye ezili-18. Funda kabanzi malunga nendlela ama CD asebenza ngayo nendlela yokuwasebenzisa.
Okulungileyo: Imali ongayidingi ukuyichitha nayiphi na ixesha kungekudala. Uza kuzuza ngaphezulu ngokuyivala ixesha elithile.
Iimpawu zokukhahlela: Ukuba ufuna ukutsala imali yakho kusasa, uya kufuneka uhlawule isohlwayo. Isohlwayo sinokususa yonke into oyifumene, kwaye ungene kwidiphozithi yakho yokuqala . Kwiimeko ezinqabileyo, iibhanki zenqaba ukuthobela izicelo zokurhoxisa kwangaphambili kwaye kufuneka ulinde de kube iphela liphela.
A retirement Akhawunti
Ama-akhawunti ahlala phantsi anika iingeniso zerhafu . Ngokwemigangatho eqhelekileyo, uya kuphepha ukuhlawula irhafu yengeniso kwimali oyifumanayo kwi-akhawunti yokulondoloza okanye kwi-CD. Unokufuneka uhlawule umdla emva komhla, kodwa ukugcina imali yakho ekhuselekileyo kwiirhafu kunokukunceda ngaphezu kwexesha elide. Uninzi lwamabhanki anika i-IRAs (zombini iIras zoRhwebo kunye neeRoth IRAs ), kwaye zinokunika iakhawunti yomhlala phantsi kumashishini amancinci .
Okulungileyo: Ukulondoloza ikusasa lakho. Iingxelo zeRhafu zomhlala-phantsi zingenza kube lula (ngokunciphisa umthwalo wakho werhafu) ukugcina imali, kwaye kunokubangela ukulinganisela kwiibhalansi ezinkulu kwixesha elide.
Iintlawulo: Naliphina inzuzo yerhafu oyifumanayo iza kunye nezikhonkwane eziqhotyoshelweyo. Funda phezulu kwisivumelwano sakho se-akhawunti kwaye ubuze ibhanki yakho malunga nemithetho (kuquka imithetho yokufaneleka). Umele ulinde ixesha elithile ngaphambi kokufikelela kwimali yakho. Ukuba uhoxisa kwangaphambili, kufuneka uhlawule irhafu kunye nezohlwayo.