Yintoni i-CD?
I-CD yisisitye esilungisa imali yakho kwisilinganiso somdla kwixesha elithile.
Umyinge wenzalo uphezulu ngaphezu kwe-akhawunti yokugcina imali okanye i- akhawunti yemakethe yemali , kuba awukwazi ukufikelela kwimali yobude beCD. Ngokuqhelekileyo, i-CD yindlela ekhuselekileyo yokugcina imali yakho kuba izinga lokubuyela liphantsi kakhulu kwi-akhawunti. Ukuba izinga le-CD liphezulu kakhulu, abanakho ukutyalo-mali olubi, kodwa kwiminyaka elishumi edlulileyo ama-CD ahlawule ngokunyuka. Ireyithi ye-CD isekelwe kwimilinganiselo yemigangatho ebekwa kwi-federal government.
Ndingayisebenzisa nini i-CD?
Unokuqwalasela ukuseka i-CD ukuba uyazi ukuba uya kusebenzisa imali ngexesha elithile kwaye awudingi ukufikelela kuyo ngokukhawuleza. Nangona kunjalo, oku kubanzi ngexesha elifutshane. Ukuba ukhangele kwiminyaka engaphezu kwemihlanu kufuneka uhlole iingxowa-mali . Ukuba ucingisisa ixesha elifutshane kufuneka uphinde ucinge nge-akhawunti yemarike yemali. Ireyithi ye-CD ayiyi kunyuka ukuba amazinga enzala aqala ukunyuka kodwa i-akhawunti yemarike yemali iya kuba.
Ukuba ixabiso lomyinge lisondele, kungcono ukuba uhambe ne-akhawunti yemarike yemali, kuba ixabiso lentengo liyahluka ngokwemarike yangoku.
Ziziphi iingozi ngeCD?
Enye yeyona mngcipheko omkhulu weCD kukuba awuyi kuzuza inzala kwizinga lokunyuka kwamaxabiso. Ukongezelela ukuba ufuna ukufikelela kwimali phambi kokuba i-CD iphakanyiswe, uya kuhlawula iintlawulo kunye nokuhlawulwa kwangaphambili kwemali.
Ukuba ucinga ukuvula i-IRA eyi-CD, uya kuba ngcono xa uhamba ne-IRA edibeneyo kwiimali zentengiso. Xa ukhetha i-CD, ukhetha umkhiqizo oya kugcina imali yakho ikhuselekile, kodwa kungekhona ukukunceda ukuba ukhule. Imithetho ye-FDIC iyasebenza kuma-CD, kwaye ukuba unama-250,000 kwi-bhanki, nayiphi na imali engayi kuqinisekiswa. Unokuqwalasela usebenzisa i- CD yesiteli njengethuluzi lokulondoloza kwi-fund yakho engxamisekileyo . Ngamazinga aphantsi e-CD, awukwazi nokuba nemali yakho ikhule ngezinga lokunyuka kwamaxabiso.
Ziziphi iimpawu endizifunayo kwiCD?
IiCD zineenketho ezahlukeneyo xa kuziwa ekuhlawuleleni inzala kwi-akhawunti. Ama-CD amaninzi aya kufaka inzala kwi-akhawunti yakho nganye ngenyanga okanye ngekota. Amanye amaCD aya kufaka umdla kwi-CD okanye ahlawule umdla ekupheleni kwekota yeCD. Ukongezelela, amanye amaCD aya kutshintsha ngokuzenzekelayo kwi-CD entsha kwizinga lokuthengisa. Ukuba ngaba kunjalo, kufuneka uphawule umhla kwikhalenda yakho ukuze ukwazi ukuwukhupha uze uwuthathe ukhetho olungcono lokutshala imali. Xa uvula i-akhawunti, cela ummeli wenkonzo yabathengi ukuba akuxelele ngeendlela ezahlukeneyo abanikelayo.
Ziziphi iindlela ezingafaniyo kwiCD?
Ukuba usebenzisa ii-CD kuba utyalo lokutyalo-mali kwiimarike, unokufuna ukucinga ngokukhetha imali ephathekayo eyenza ingozi kwiintlobo ezahlukeneyo.
Oku kuya kunciphisa umngcipheko wakho, kodwa kukunike izinga eliphezulu lokubuyela. Umcebisi wezezimali onokukunceda unokufumana iindlela ezikhethileyo eziza kubonakalisa izinga lakho lokuthuthuzela ekwenzeni ingozi. Unokufuna ukujonga ezinye iinketho ezinjengeentlawulo okanye amabhondi njengendlela yokukhetha ukukhulisa imali yakho. Nangona kunjalo, i-CD ingaba yinto enhle ukuba ufuna indawo engcono yokubeka imali yakho ngenxa yezinga elincinci lokulondoloza inzala .