Ukudala i-Ladder ye-CD inokukhuphula iItali ngelixa iAdding Liquidity
Ii CDs Zisebenza njani
Izatifikethi zeDistim , okanye iCDs (ngezinye iinkqubo ezibizwa ngokuba yiiNkqantosi zeeKota okanye iiSatifikethi seTeki), zihlobo lwe-akhawunti ye-deposit enikezelwa phantse kuyo yonke ibhanki okanye inyunyana yekhredithi .
Usenokuba uzibuza ukuba ungayifaka njani imali yakho ukuze ufumane enye inzala kunomlinganiselo weshumi okanye iipesenti zekota ezinikezelwa kwi- akhawunti yokulondoloza kule mihla. Ii-CD zinikeza iindidi ezahlukeneyo ezingcono kune-akhawunti yakho yokulondoloza. Ngokubuyisela, imali yakho ivalwe kude kwixesha elikhethayo ade likhule kwaye unokugqiba ukuba wenze ntoni nalo, hlaziywa kwinqanaba langoku, uhoxise, okanye zombini. Ukuhoxiswa kwangaphambili kuza neentlawulo, ngokuqhelekileyo zivela kwimbuyekezo, kodwa ngamanye amaxesha kukuhlawula ezinye zeentlawulo-mali eziyinhloko (nangona kungabikho kwiimeko ezinzima). Sekude ixesha elide, ngokubhetele lizinga elingcono.
Ubude obuqhelekileyo obubonelelwe buyi-3, 6, okanye iinyanga ezili-9, yonke indlela ukuya kwiinyanga ezingama-60 (iminyaka emihlanu). Inani elincinci ladola ongayifaka kwi-CD ziqhelekileyo ngama-$ 500, kunye namaxabiso ebhonasi ngamanye amaxesha atholakalayo kwiibhalansi ezinkulu (njengama-R10 000 okanye ngaphezulu) okanye kumakhasimende athile / asemthethweni.
I-CD yeminyaka eliqhelekileyo ingaba nge-1% APY. Ixesha eliyiminyaka emihlanu linokukufumana ukuya kwi-3%. Ezi ntlawulo, njenge-savings yakho kunye nokuhlola, ziqinisekisiwe yi-FDIC okanye i-NCUA ngoko akukho nkxalabo malunga nokwehla kwezoqoqosho kubangela ukulahlekelwa. Umdla owenziweyo uphelelwe ngokubanzi, oko kuthetha ukuba nawo unokuqala ukufumana inzala engakumbi endleleni, ingakumbi kwixesha elide.
Qaphela ukuba ukhangele i-APY ( Intengo Yemivuzo Yonyaka ) kwaye kungengomhla we-APR (Ipesenti yepesenti yonyaka) njengoko i-APY yinkonga yokulinganisa yonke into oyifumanayo. IiCD zixhomekeke rhoqo ngenyanga okanye ngekota. Ixesha apho i-CD idibeneyo inokwenza i-bhanki enye ye-2% ikunike inzuzo ngaphezu kwebhanki ye-2%. Ukwahlula, umthetho wezemfundo ufuna ukuba onke amaziko emali asebenzise i-Annual Percentage Yield (APY) ngaphezu kwezinga (APR). Oku kukuvumela ukuthelekisa iiapulo kwiipulo xa uthengisa amaxabiso.
IiCDs
Amanani aphezulu e-CD enza ukuba ibe yimpumelelo ngaphezu kwe- akhawunti yeMarike yeMarike, kwaye i-insured nature yenza kubekhusele ngaphezu kweemarike zamasheya. Kodwa imali ayifumanekanga okanye i-liquid (ngaphandle kwehlwayo) de ibe ikhula ekupheleni kwekota layo. Le yilapho i-CD ephakamileyo iba luncedo. Akukho mthethweni okanye akukho mthethweni; I-CD yesitela isicwangciso sotyalo-mali kuphela.
Yithi uthanda inqanaba elithile: 3.2% kwi-CD yenyanga eyi-60, kodwa ukhetha ukuba ubuncinane ezinye zeemali ezifumaneka rhoqo ngonyaka. Iinyanga ezili-12 zenyanga zifumana kuphela .9%. Unemali eninzi yokutyalomali kwaye unomuvo wokuba ufanele uphumelele ngaphezu kwe -9%, awufuni nje ukukunika ixesha elide ukwenza oko. I-CD ephezulu ingaba yinto yokukhohlisa.
Uvula i-CD kwiinyanga ezingama-60 kunye nemali yakho, mhlawumbi kuphela ubuncinane obufunekayo, kwaye uvale kuloo nqanaba elona-3.2%. Kodwa uthatha ezinye iimali zakho kwaye uvula amanye amaCD, enye yeenyanga ezili-12, 24, 36 neye-48. Ezi zingaphantsi kwama-3.2%, kodwa linda nje. Eyokuqala kweenyanga ezili-12 ziza ngenxa yonyaka ozayo, xa ufuna ukuba ufumaneke. Uthabatha into oyifunayo, ukuba nantoni na, kwaye ushiye ubuncinane ubuncinane obunyanzelekileyo kwaye uhlaziywe iinyanga ezingama-60, ngoku ngoku 3.1%. Kutshintshile, kodwa kuseyona nqanaba elihle. Unyaka wesibini ujikeleza, kwaye i- CD yakho yesibili ikhula .
Emva koko uthatha oko uyifunayo kwaye uyihlaziye iinyanga ezingama-60, endaweni yokuqala kwayo 24. Ngalesi sikhathi, inyanga engama-60 inika i-3.3%, ukuphuculwa. Ukwenza oku njalo ngonyaka, ukuvuselela ii-CD ezingama-36 ne-48 kwiinyanga ezi-60 ukuya kwiinyanga ezingama-60 kunoma yiyiphi inqanaba langoku liyazi ukuba lihlala liphezulu kunexesha elifutshane.
Ngonyaka wesihlanu, uhlaziya i-CD yesihlanu eyayivele iinyanga ezili-60 ukuya kwenye i-60. Ngubani owaziyo ukuba iirhafu ziya kuba yiminyaka emihlanu, kodwa uhlala wazi ukuba kungcono kunexesha leenyanga ezili-12. Ngoku yonke i-CD yakho ivalelwe kwiminyaka emihlanu epheleleyo, kodwa enye eyahlukileyo yonyaka iyenzeka ngokubangela ukuba loo mali ifumane isihlwayo esicaleni ukwenzela ukuba uqhubeke neyure lakho okanye usebenzise imali yezinye izinto.
Ufumana amaxabiso eCD elide kunye nokufumaneka kwexesha elifutshane. Lo mlingo ulula ubizwa ngokuba ngumgca weCD. Unokwenza i- CD yakho ibanzi ephakamileyo njengale, okanye mhlawumbi ufuna iCD ukuba ikhule ngenyanga nganye, ngoko udala ii-CD ezilishumi elinambini kwiinyanga ezili-12, enye inyanga. Akukho mda kubungakanani okanye ubuninzi kwi-CD yakho yezinga, ngokude nje udibana neemfuno ezingaphantsi ze-deposit zeziko lakho. Ngamnye uyashuseka (ukuya kwii-250,000 zamaxabiso ngamnye kwi-depositor) kwaye ngamnye uvalelwe ngaphandle ekufumaneni umlinganiselo ophezulu.