Ukutshala imali kwiimboleko zokulondolozwa kwe-US yindlela elula nelula yokubeka imali yakho ukusebenza kwaye uqale ukugcina imali . Esi sikhokelo sokutshala imali kwiimbopheleleko zokulondolozwa kwe-US sibonisa ulwazi oluthe nkqubela malunga nendlela ukugcinwa kweebophezelo zisebenza ngayo, izibophelelo zokulondolozwa kwee-Series EE, i- Series Series i-bonds yokulondoloza, kunye nezinye iimveliso ezikhutshwe yiSebe le-Amasheya eMelika. Kuya kuchaza iintlawulo zerhafu, apho kuthengwa khona izibophelelo, indlela yokufumana umyinge wenzala oyifumanayo kwimali yakho, nangaphezulu.
01 Imbali yee-US Savings Bonds
Ukususela kwixesha eliye laziswa ngalo, izibophelelo zokulondolozwa kwe-US ziye zabonakalisa ukuba enye yezona zityalo-mali ezithandwayo kakhulu ngenxa yesiqinisekiso sikaRhulumente sokuba awuyi kuphinda ulahlekelwe yimali. Funda malunga nembali yeprogram ye-United States yokulondoloza imali ...
02 Ngaba iibhonki zokugcina imali zibe kwiPortfolio yakho?
Unokuba nomfanekiso wobophelelo bokulondoloza njengento engekho ngaphezu kwezityalo-mali ezinikezelwa izihlobo ezidala malunga neentsuku zokuzalwa, ieholide, kunye neziganeko ezizodwa. Akukho nto ingaba yinyani kwi nyaniso. Enyanisweni, ngaphezu kwele minyaka elishumi edlulileyo, ukubophelelwa kweengxowa-mali kutyhobole amasheya kunye neentengiso , zonke zixhaswe ngesithembiso sokuba awuyi kuphinda ulahlekelwe yimali. Leyo irekhodi elingenakulinganiswa. Umbuzo uhleli: Ngaba kufuneka utyalomali kwiimbopheleleko zokugcina imali kwaye ukuba wenza ntoni, makube lukhulu kangakanani utyalo-mali lwakho lotyalo? Fumana ukuba izibophelelo zolondolozo zilungele iphothifoliyo yakho ...
03 Isikhokelo sokuTyala imali kwiCandelo loLondolozo lweeNgxowa-mali
Iingqungquthela Iimbophelelo zokulondoloza ngenye yezinto eziphambili kwiimbali zezemali. Badibanisa izinga eliqinisekileyo lokubuyisela kunye nokulungiswa kwexabiso lentengo ukwenzela ukuba ungeke ulahlekelwe amandla okuthenga ukuba amaxabiso aphakame. Ngaphezulu, uRhulumente waseUnited States uqinisekisa ukuba akayi kuphinda alahlekelwe yixabiso kwaye akayi kukuhlawulisa i penny kwiimirhumo xa ufaka umyalelo wakho wokugcina umyalelo. Khangela yonke into oyifunayo ukwazi ngokutyalomali kwiChungechunge elinqabileyo endibongayo.
04 Isikhokelo sokuTyala imali kwiiNkcazo ze-EE zokugcina imali
Isiqulatho se-EE yokubambisana mhlawumbi sisona eyaziwayo. Enyanisweni, kunokucatshulwa kakuhle njengongomkhulu wabaninzi bezintlu zokugcina. Ineminye impawu ebalulekileyo yeChungechunge Iibhondi kodwa ukutshala imali kubo, kubandakanywa nendlela ixabiso lobuso elibalwa ngayo, lihluke kakhulu. Fumana indlela usebenze ngayo izibophelelo ze-EE zoLondolozo kunye nento ofuna ukuyazi ngaphambi kokuba utyalomali ...
05 Series HH Savings Bonds
Ukuba wena okanye ilungu lentsapho lisetyenziselwe ukutyalomali kwiimbophelo zokugcina imali, unokuba neChungechunge HH lokugcina izibophelelo kusekho iphothifoliyo yakho. Ungazifaki ngokukhawuleza uze ufunde olu khetho! Zizodwa ngenxa yokuba awukwazi ukuzifumana kwaye zihlala zivelisa imali engenayo onokuhlala kuyo okanye usebenzise ukuhlawula iindleko zakho. Funda kabanzi malunga neengqungquthela zokulondolozwa kwee-Series HH ezingabonakaliyo ...
06 Ziziphi iindleko ze-Savings Izithabathagi zerhafu endingaziphephe?
Indlela ozalisa ngayo iphepha lokuqala utyalo-mali kwizibophelelo zokulondoloza unokuba nempembelelo enkulu yerhafu kuwe nakwintsapho yakho phantsi kwendlela. Enyanisweni, ukuba wenza okungahambi kakuhle, kunokukuhlawula amawaka amashumi eedola kwiirhafu ezingenakuphetshwa. Ukufumanisa ezi zibopheleliso zerhafu zentlawulo ...