Uluhlu luni lwee-EE zokuBondla kwiBond Work
Iingqungquthela ze-EE zokugcina imali zisebenza ngokuxhomekeke ekubeni unobungozi bokugcina imali ye-EE okanye iphepha lee-EE zokugcina izibophelelo.
I-Electronic Series EE Bondings Bonds
- I-E Series ye-Electronic EE yokugcina imali idayiswa ngexabiso lomntu. Ukuba ufuna ukutyalomali i-$ 50, uza kufumana i-$ 50 ye-EE ye-EE yokugcina imali kunye nexabiso elipheleleyo xa ufanelekile ukuhlengwa.
- Iziqulatho zee-Electronic EE zokugcina imali zingathengwa ngemali eyi-25 okanye ngaphezulu, "kwi penny". Ukuba unayo i-547.32 ye-$ ofuna ukutshala imali, unokwenza oko, wenze oku kukhethekileyo kubatyalimi abancinci abaneemali ezincinci.
- Ukuthengwa kwezibophelelo zokugcina imali ze-EE ze-elektroniki zikhawulelwe kungabi ngaphezu kwama-25,000 ngonyaka ngonyaka wekhalenda.
- I-E Series ye-Electronic EE yokugcina imali ikhutshwa kwi-akhawunti echongiweyo. Awuyi kufumana isibophelelo sephepha lomzimba.
Iphepha lePhepha leSatifikethi seMviwo zeEE Savings Bonds
- Iingxelo zePhepha ze-EE zibophelelo zokuthengiswa zithengiswa kwisiqingatha soxabiso lomntu; ukuba uthenge i-bond ye-5,000 ye-bond yebhondi, uya kuhlawula i-$ 2,500 ngemali namhlanje.
- Iingxelo zePhepha ze-EE Izibophelelo zokulondolozwa zingathengwa kuma-$ 50, i-$ 75, i-$ 100, i-$ 200, i-$ 500, i-$ 1,000, i-$ 5,000 kunye ne-$ 10,000.
- Kukho ukuthengwa okuphezulu kwe $ 5,000 utshalomali (i-$ 10,000 value value) nganye ngonyaka wekhalenda.
Ukuthengwa kwee-EE zokuBondla iimali
Kukho iindlela ezine zokutshala imali kwiiNkcazo zokuLondoloza i-EE .
Ngamnye unenzuzo yakhe kuxhomekeke kwiimfuno zakho kunye nezibonelelo.
Indlela Owenza Imali Yotyalo-mali kwiiNkxaso ze-EE zoLondolozo
Xa uthenga i-EE yoLondolozo lwe-EE, uboleka imali kurhulumente wase-United States. Ngexesha elide, urhulumente utshintshe imithetho kwi-bond bonds, ngoko ke indlela osebenza ngayo i-Series EE yokudibanisa umsebenzi incike xa uthenge.
Ngokutsho kweSebe leNondyebo, "Iingqungquthela zee-EE zithengwa ngomhla okanye emva komhla ka-Meyi 1, 2005, zifumana ireyiti ebuyisiweyo yokubuyisela, ukukwazisa ukuba izibophelelo zifanelekile ngamaxesha onke.Izibophelelo ze-EE zathengwa phakathi kukaMeyi 1997 nakwi-Apreli 30, 2005, zisekelwe kwisivuno se-Nondyebo ye-Nondyebo-5 kwaye ifumana inqanaba lokubuyisela elithengiswayo.
Ngamanye amazwi, udidi lwe-EE oludibeneyo lube ngumthamo wezinga elimisiweyo kwakhona ukususela ngo-Apreli 30, 2005. Ngethuba leminyaka eyisibhozo ngaphambili, iibhondi zineentengo zenzalo eziguquguqukayo, nto leyo ithetha ukuba umtyalo-mali akanakwazi ukulinganisa umyinge womdla wakhe yayiya kuhlawula kuba iya kutshintsha ngamaxabiso omhlaba wonke . Oku kunokuba kuhle ngexesha lokunyuka kwamaxabiso , okubi ngexesha lokukhula koqoqosho oluzinzileyo kunye namazinga enzala aphantsi.
Izibophelelo ze-EE zee-Series zihlobo lwe-bond-bond bond. Ngomdaniso wendabuko, unako ukutyalula i-$ 10,000 kwaye ufumane i- coupon ye- 5% ngonyaka.
Unyaka ngamnye, uqokelela i-$ 500 kwimali engenayo. E-US, iinkampani zihlawula ngokuphindwe kabini ngonyaka, ngoko ufumane i $ 250 ngoJuni 30, kunye ne-$ 250 ngo-Disemba 31.
Xa ubophelelo lukhula, uza kufumana ubunani bebhanki ($ 10,000). Ngezibhonkco zecomputer, ngokuchaseneyo, awunakufumana imali engenayo yemali. Kunoko, iibhondi zikhutshwa kwizaphulelo ezinzulu ukuya kwixabiso elijongene nalo kwaye zibalwe ukuba zihlanganiswe ukuya kwinqanaba lokuba zixabise ubunani bombuso obusondeleyo ngosuku lokukhula .
Usuku lokukhula lwee-EE zokugcina iimali
Into eyingqayizivele malunga nee-EE zokugcina izibophelelo zokugcina imali kukuba umhla wokuvuthwa kweebhondi zamaphepha zihluka ngoxhomekeke ekugqibeleni i-bond. Nasi ityati:
Umhla wokugqibela Umhla wokuqala
Jan 1980 - Okthoba 1980 = iminyaka eyi-11
Novemba 1980 - uEpreli 1982 = iminyaka eyi-9
Meyi 1981 - Oktobha 1982 - iminyaka eyi-8
NgoNovemba 1982 - Oktobha 1986 - 10
NgoNovemba 1986-Februwari 1993 = iminyaka eyi-12
Matshi 1993 - Apreli 1995 = iminyaka eyi-18
NgoMeyi 1995-Meyi 2003 = iminyaka eyi-17
NgoJuni 2003 - Ixesha = iminyaka engama-20
Ngamanye amagama, ukuba unokuthenga intlawulelo ngoJanuwari ka-1983, isatshati ikuxelela ukuba ukukhula kwakho iminyaka eyi-10; umzekelo, ukuba uthenge i-$ 5,000 yexabiso elijongene ne-EE ye-EE yokugcina imali, uya kuhlawula i-$ 2,500 ngemali kunye neminyaka eyi-10 kamva (ngoJanuwari 1993), ubophelo luya kuba nelungelo elipheleleyo lobuso ($ 5,000).
Awunakufumana nayiphi na imali kwi-imeyile, kodwa kunoko, unyaka ngamnye ukubaluleka komdla owawutyala kwakuya kudibaniswa kwisibophelelo sakho ngoko kwanda kwindleko. Unako ukhetho lokuqhubeka ubambe isibophelelo kwiminyaka engaphezulu kwe-20 eyongezelelweyo, oku kuthetha ukuba ekugqibeleni kukufaneleke ngaphezu kwexabiso lobuso; I-20,000 ye $ 20,000 + inokwenzeka. Eli nqaku lidibanisa abatsha-mali abatsha kwaye kubalulekile ukuba uqonde.
Ingakanani inomdla Iingxowa-mali ze-EE zokuSondeza
Ukuze ufunde indlela i-Series EE yokubambisa intlawulo yemali yentengo ibalwa ngayo, funda iItriki ze-EE Savings Bond Interests Rates .
Izigwebo zokuhlawula ngaphandle kwee-Series EE zokugcina imali
Ukuba uthengisa izibophelelo zakho zokugcina u-EE kwiRhulumente kungakapheli iminyaka emihlanu yokutyalomali, ulahlekelwa ngumvuzo ongenayo kwiintlawulo ezidlulileyo ezintathu. Ukuba uhlawulela iibhondi naliphi na ixesha emva kweminyaka emihlanu, akukho sihlwayo kwaye ufumene ixabiso elipheleleyo lomdla onetyala kwiibhondi.
Ngubani onokufumana umxholo wee-EE Savings Bonds?
Imithetho yokufaneleka yokutyalomali kwi-Series EE yokugcinwa kweebhondi yahlaziywa ngo-Apreli 2009 kwaye ihluke ngokuxhomekeke ekubeni ngaba utyalomali kwiibhanki zamaphepha okanye iibhondi ze-elektroniki. Ngoku, abantu ngabanye, imibutho, imibutho kawonkewonke, imibutho yabucala, imibutho, kunye neefiduciary zingaba neebhanki zamaphepha ebhodi. Abantu ngabanye, iimali zetrasti , iziza, iinkampani, intsebenziswano, kunye nezixhobo ezinokufaniswa nazo zinokumisela i-akhawunti ye-Treasury Direct and its bonds electronics bonds.
Kukho izicwangciso ezongezelelweyo zokufumana iimfuno zokumisela ukutyalomali kwii-EE United States. Kufuneka ube neNombolo yakho yoKhuseleko loLuntu kwaye ube:
- Umhlali wase-US
- Izizwe zaseMelika ezihlala phesheya ezisekho idilesi yase-United yaserekhodi.
- Umqeshwa waseMzantsi Afrika ngaphandle kokuhlala.
- Omncinci. Iibhonki ze-Savings yase-US, kubandakanywa izibophelelo zokulondoloza u-EE, ngaba kuphela ngabantwana abanokhuseleko abanakho ngokuthe ngqo.