Ngaba kufuneka uthenge izitifiketi zeDisposithi okanye u-Invest kwiMakethi yeMali?
Enyanisweni, uboleka ibhanki imali yakho ngokubuyisela inzala.
I-CD yincwadana yokumisela ukuba ibhanki ikukhupha. Yileyo ndlela ibhanki ithola ngayo imali efunekayo yokuboleka imali. Inzala oyifumeneyo ingaphantsi komvuzo owufumanayo ukuboleka. Yileyo ndlela amabhanki athabatha inzuzo. Kodwa ufumana inzala engaphezulu kunokuba ungayifumana i-akhawunti yokukhangela inzala. Ngenxa yokuba awukwazi ukurhoxisa imali kwixesha elivunyelwene ngalo.
Izibonelelo ezintathu
Kukho iintlobo ezintathu kwiiCD. Okokuqala, imali yakho ikhuselekile. I- Federal Deposit Insurance Corporation iqinisekisa ii-CD ukuya kwii-250,000 zamaRandi. Urhulumente wombuso uqinisekisa ukuba awuyi kulahlekelwa yinqununu yakho. Ngenxa yoko, banomngcipheko omncinci kunamabhonkco, amasheya okanye ezinye iimali-mali ezithintekayo.
Okwesibini, banikela ngenani lentlalo ephezulu kunomtsalane wokujonga kunye nokugcinwa kweakhawunti. Banikela ngenani lentengo ephakamileyo kunamanye utyalo-mali olukhuselekileyo, njengengxelo yemarike yemali okanye imali yemarike yemali .
Ungathengisa ngezinga elifanelekileyo. Amabhanki amancinci aya kunika amazinga angcono kuba afuna iimali. Iibhanki ze-Intanethi kuphela ziza kunika amazinga aphezulu kuneebhanki zetena kunye namatye ngenxa yokuba iindleko zabo ziphantsi.
Iintlekele ezintathu
IiCD zizinzi ezintathu. Ingxaki enkulu kukuba imali yakho ibophelelwe ebomini besatifikethi.
Uhlawula isohlwayo xa ufuna ukurhoxisa imali yakho ngaphambi kokuba ixesha liphakanyiswe.
Isithintelo sesibini kukuba ungaphoswa ngamathuba otyalo-mali okwenzekayo xa imali yakho ibotshwe. Ngokomzekelo, ubeka umngcipheko wokuba amazinga omyinge aya kunyuka kwezinye iimveliso ngexesha lakho. Ukuba kubonakala sengathi iirhafu zanda, unokufumana i-CD engekho isohlwayo. Ikuvumela ukuba ubuyisele imali yakho ngaphandle kwerhafu naliphi ixesha emva kweentsuku ezintandathu zokuqala. Bakhokhela ngaphezu kwemarike yemali, kodwa ngaphantsi kweCD. (Umthombo: "Iziqinisekiso zeDistim," i-Ally Bank.)
Ingxaki yesithathu kukuba ii-CD azihlawuli ngokwaneleyo ukuqhubeka kunye nezinga lokunyuka kwamaxabiso. Ukuba utyalo-mali kumaCD kuphela, uya kulahlekelwa ngumgangatho wakho wokuphila emva kwexesha. Indlela efanelekileyo yokuqhubeka phambili kokunyuka kwamaxabiso yintengo yokutshala imali, kodwa leyo yingozi. Unokulahlekelwa utyalo-mali. Unokufumana umvuzo ophezulu ngaphandle kwengozi kwiMpahla yokuThengiswa kweMali eViweyo okanye i- I-Bonds . Ukungahambi kwabo kukuba ulahlekelwa yimali xa kukho ukungcola.
Ii-CDs ngokumalunga ne-akhawunti yeMarike yeMali kunye ne-Money Market Fund
Izatifikethi zediphozithi zibonelela ngeemali zeemarike zemali. Ngenxa yoko, ukubuya kwabo kuncinci kunezinto oza kuzifumana kwiCD.
Inzuzo ungayithatha imali yakho naliphi na ixesha ngaphandle kwesihlwayo. Enye inzuzo kukuba ukuba ixabiso lentengo likhuphuka, awuyivalelwa kwizinga elimisiweyo lokubuyisela. Abantu abaninzi bathanda ukuguquguquka. Iimarike zemali edibanisa ii-akhawunti nazo ziqinisekisiwe nge-FDIC.
Iimali zentengo yemarike yemali zikhethileyo zikhetha iimali ezidibeneyo ezifaka imali kwiiCD kunye nezinye iimpahla zemarike zemali . Ezi zithengiswa yibhanki, umthengisi wakho okanye elinye iziko lemali. NjengoCD, unako ukurhoxisa iimali nangaliphi na ixesha. I-downside yi-FDIC ayiqinisekisi.
Iifayile zeeRhafu zibekwe njani
Amabhanki asebenzisa imali ekukhupheleni iiCDs ukuboleka, ukubamba kwiindawo zokugcina, okanye ukuchitha kwimisebenzi yazo. Kodwa baninzi nezinye izinto. Ezi zixhobo zenza ukuba iibhanki zentsingiselo zihlawule kuma-CD.
Isantya semali esondliwa ngumthombo wexabiso eliphantsi kakhulu.
Ibhanki ephambili yesizwe, i- Federal Reserve , ibeka loo nqanaba. Kodwa iibhanki zingasebenzisa kuphela iimali ezondliwe ukuze zihlangabezane neemfuneko zokugcina ubusuku.
Kweminye imfuno, iibhanki ziboleka omnye komnye kwizinga leLibor . Leyo yiLondon Interbank Offer Rate. Ibhanki ihlawula loo nqanaba kwenyanga enye, inyanga ezintathu, unyaka omnye kunye neminyaka emihlanu yemboleko. Bahlawula ngakumbi iLibor kunokuba bahlawule iiCD. Kodwa ii-CD zibaxabisa ngakumbi kuba kufuneka baziphathe. Banokukhenkcela i-Libor imali mboleko. Banokubakholeka imali engaphezulu kune-CD edibeneyo.
Amaxabiso e-CD aya kuba ngaphantsi koko ahlawulisa abathengi bawo abalungileyo ukuboleka imali, eyaziwa njengezinga lokuqala , kuba ibhanki kufuneka yenza inzuzo. Ingeniso yabo iphuma kwimali ehlawulwa ngabbolekayo. Iindleko zabo zinomdla ohlawulwa kubanikezeli, njengabanye amabhanki, abafakela imali kwiimarike zemarike zemali, kunye neentlawulo kwiCD. Ngaloo ndlela, iirhafu ezihlawulwa kumaCD ziza kuba ziphakamileyo kunezinga lemali elondliwe, kodwa liphantsi kwezinga lokuqala.