Cinga Ngenyameko Ngale ndlela Ubeka Isihloko Kwimali Yakho Yokusindisa e-US
Ukubamba Isihloko kwiibhonki ze-US Savings njenge-Individual
Ukubamba isibophelelo sokulondolozwa phantsi kwegama lomnini omnye kukulula.
Kuthetha ukuthetha ngokusemthethweni, kukho umnikazi omnye weebhondi kuphela. Xa lo mnikazi efa, isibophelelo siba yinxalenye yelifa lakhe. Ukuba akukho mfuneko kunye nesigqibo esivumelekileyo, kwaye awukhethi umxhamli (siya kuxoxa ngale ngcaciso emfutshane) iimbophelelo zokugcina ingangqinelana nemithetho ye-Intestate Succession nge-probate. Le mithetho yelifa ihluka ukusuka kummandla ukuya kwilizwe kwaye ithatha ixesha, imali, kunye nomzamo kwiindlalifa zakho. Umzekelo, kwezinye iindawo, iqabane lakho liya kufumana isiqingatha sepropati ngelixa abazali bakho baya kufumana esinye isiqingatha. Kwamanye amazwe, lakho iqabane liya kufumana inani elimisiweyo (umzekelo, i-$ 20,000) kunye nayo yonke into emva koko eyahlula ngokulinganayo phakathi kweqabane lakho nabantwana bakho.
Enye indlela yokuphepha ukulandelelana kunye nokunyaniseka xa usenokuba nobunini bodwa kukuthi ulandele iimbopheleleko zokugcina imali egameni lethemba lokuphila. Ngaloo ndlela, xa usweleka, i- trustee (s) ingaqhubeka ishintshe ibhiziniselwano, iindlalifa zakho ngokukhawuleza zithola inzuzo yepropati ngendlela echazwe kwi sixhobo sokumthemba.
Ukuze ufunde kabanzi malunga nesi sihloko, funda indlela yokuseka i-Fund Trust .
Enye indlela yokuphepha ukuvavanya xa usebenzisa isihloko somnini esisodwa kwisibophelelo sokugcina imali yase-US ukuchaza ngokucacileyo ukuba ungumzuzi kunye neSebe le-US Treasury kwi-Treasury Direct. Emva kokufa kwendawo yokuqala, ebizwa ngokuba ngumgcini-mboleko we-bond, umncedisi useka i-akhawunti yakhe ye-Nondyebo-mali kwaye ilandela inkqubo echanekileyo yokuba iinqununu zihanjiswe kuyo.
Nangona umnikazi wasemoyeni washiya intando, ayinandaba kuba utyunjwa lwabaxhamli kwiimbophelelo zokugcina imali.
Kukho inzuzo enkulu yerhafu ekusebenziseni utyunjwa loxhamli ngokubambisana nesihloko somnini omnye. Usuvele ufunde kwi- Investing kwi-Bond Guidance Guidelines ukuba unokuhlawula irhafu kwi-interest eyongezwa kwiibhanki zakho unyaka ngamnye, okanye ulinde uze ufumane imali yokubophelela, uhlawule zonke iirhafu ngokukhawuleza. Uninzi lwabantu lukhetha olu hlobo. Ukuba abanini beebhonkco zokugcina zifa kwaye bazinikela kumxhamli, umxhamli unokukhetha ukuba yonke inzala efunyenwe kwiimbopheleleko zokulondoloza zibandakanya ukufakwa kwentlawulo yaseburhulumenteni yasekuqaleni, umnikazi we-bond of now bond, okwenza ityala lakhe. Enyanisweni, izibophelelo zokulondolozwa ziyadluliselwa ngaphandle kweerhafu kunye nepropati ngokwayo iqokelela ithebhu. Oku kukhethwa kakhulu ukufumana imali, apho oku akukhethwa kukho.
Ukubamba Isihloko kwiibhonki ze-US Savings njenge-Co-Owner
Ubunikazi bobambiswano phakathi kwabatshatileyo, amalungu omndeni, abazali kunye nabantwana, okanye amanye amaqela, kuthetha ukuba abantu ababini banamalungelo okubambisana kunye kunye. Ubani umnikazi wecandelo unokuhlawula imali yokubophelela ngaphandle kwemvume okanye ulwazi lomnye umntu, okubangela isiganeko esisetyenzisiweyo kuzo zombini, yenzeni oku kuphela ukuba unalo lonke, unokholo olupheleleyo kumnye umntu.
Intloko yobunini-mali yobuncwane bentengo kuthetha ukuba xa elinye iqela lifa, omnye umnini-mlingani uba ngumnini omtsha, umnikazi wedwa. Iibhondi zidlula ngokuthe ngqo kumntu ohleliyo, obizwa ngokuba ngumnini ngelixa ephepha ukuvavanya.
Funda ngakumbi malunga nokutshala imali kwiimali ze-US Savings Bonds
Nangona zihlala zibhalwa njengento engafanelekanga ingqalelo kwi-potifoliyo ye-investor, mhlawumbi ngenxa yombutho kunye nezipho ezidala ezitholwa ngabantwana kwimikhosi yokuzalwa kunye neKrisimesi ezivela kwiintsapho ezikude, ipesenti ezininzi zeentsapho zaseMerika kufuneka zigcine ukugcinwa kobo emva kwengqondo yabo njengendawo efanelekileyo yokusebenzisa imali. Oku kuyinyani ngokukodwa xa amaxabiso enzala aqikeleleka kwaye amanani alinganayo atyebi. Izibophelelo zokulondoloza zibonelela ngokukhuselekileyo komgaqo-siseko oxhaswa yilokholo olupheleleyo kunye nekhredithi yoRhulumente wase-United States.
Banikezela ukhuselo olunentsingiselo kumlinganiselo wentsingiselo kunye nobungozi bexesha . Ukuba ukhetha iChungechunge Iibhondi zokulondoloza, ziyakwazi ukuqhubeka nokuhamba, kwinqanaba elithile, ngokunyuka kwamaxabiso .
Ingxaki enkulu yokutshala imali kwiimbophelelo zokugcina imali yimiqathango yokuthenga yonyaka iCongress ibeka phezu kwayo. Kwiminyaka embalwa edluleyo, sele kukhangeleka ngathi i-Wall Street ithintele abapolitiko ukuba bathathe amaninzi amanzuzo ekubophelelweni kwee-savings, okwenza kube mnandi xa kuthelekiswa nezinye, iziqinisekiso zemali zendabuko ezenza inzuzo kwiifemu ezizibuyisela. Ngenene, ndingathanda ukubona umda wobophelelo okhusweyo ophakanyisiwe kwinto efana ne-$ 50,000 ngomntu ngamnye, ngonyaka ngokuthelekiswa nomda onobuhlungu okhoyo okwangoku kwimibandela efana ne- Series Series I-bonds .