Akukho onke ama-Akhawunti eNgxowayo aDalwa ngokulinganayo
Yiyo loo nkcazelo eyenza kube lula ukunqumla kwi-akhawunti yokulondoloza. Yiphutha ukwenza njalo. Kufuneka ube njengento efuna ukufumana imveliso ehambelana neemfuno zakho njengokuba uza kuthi utyalomali kwi- annuity okanye ukhethe umthengisi wempahla .
Nazi ezintlanu izinto onokufuna ukucinga ngazo xa uvula i-akhawunti yokulondoloza wena okanye ilungu lentsapho elincinci. Okona kuncinci, fayile kwi-engqondweni yakho kwaye ukhangele imeko yakho ngexesha elide.
I-Akhawunti Egciniweyo Yokusindisa kufuneka ibe neZimbalwa okanye Akukho Mrhumo
Injongo yecala lokulondoloza kukugcina imali yakho imiswe ngokukhuselekileyo kude kube yilapho uyifunayo. Yona khetho egqibeleleyo kwi -sikhwama sakho seenyanga ezi-6 . Ngelishwa, ezinye iibhanki zizama ukuphatha ezi zi-akhawunti ezilula njengeebhanki ze-piggy, zithungula abathengi bazo phantsi kweemali zokugcina, iimali zokurhoxiswa, iifizi zemisebenzi, iimali zokungasebenzi, iimali zenyanga, ukuhlawula iifizi zentlawulo yeenkonzo, kunye naluphi na uhlobo oluthile lokuzimela inxalenye yakho yemali kude nawe.
Musa ukuwamkela. Kukho iibhanki ezininzi apho zivuyisa ukuba ube ngumthengi. Abayi kukuhlukumeza. Abayi kudlala nge-nickel kwaye bakudonsa. Cinga ukutshintshela i-akhawunti yakho yokulondoloza kwenye yeziko, endaweni yoko. Ngaphandle kokuba kukho isizathu esichukumisayo sokuhlala kunye neebhanki ezibiza ngexabiso eliphezulu-ezifana nabo banika ibhiziniselwano lakho ngepakethe ekhangekayo kakhulu-bahambe nje.
I-Akhawunti Egciniweyo Yokulondoloza Ingafanele Ibekho Imilinganiselo yokuLawula
Ezinye iibhanki zifana nokubeka izithintelo kwi-akhawunti yokulondoloza, njengokunciphisa ukurhoxiswa kwiihlandlo ezine ngekota okanye inombolo enokufana. Ngobulungisa, kukho isizathu - oku ukuba ufikelela kwimali yakho rhoqo, kufuneka ufumane i-akhawunti yokujonga. Nangona kunjalo, yimali yakho . Ibhanki ebeka kwimingcipheko enjengale mhlawumbi iya kuba neendawo ezifihlakeleyo kuyo yonke indawo ukuze uqhubeke ukhangele. Kukho ukugcina imali engcono kwi-akhawunti.
3. I-Akhawunti Yokugcina I-Akhawunti Efanelekileyo kufuneka ixhaswe yiBhanki enamandla
Kude kube ngunyaka we-2008-2013, kusenokwenzeka ukuba kulula ukulibala ukuba iibhanki zenzekile, eqinisweni, zahluleka. Kwaye xa behluleka, kungabikho okubi kwiifomethi ngokuxhomekeke kwimeko ethile. Akukho sizathu sokuba ufake imali yakho ebhanki, okanye uvule i-akhawunti yokulondoloza kunye neziko, elingenayo ibhalansi eqinile. Kwiminyaka elishumi edluleyo, amabhanki afana ne-US Bancorp, i-Wells Fargo neNkampani, iNorthern Trust kunye ne-BNY Mellon baye baziqhayisa ngokuxhomekeka kakhulu kwi-Tier 1 capital ratios, umlinganiselo oyintloko wamandla ebhankini. Ngokufanelekileyo, andizange ndivule i-akhawunti yokulondoloza kunye naliphi na ibhanki enomlinganiselo weNqanaba 1 ngaphantsi kwe-10%.
I-Akhawunti Egciniweyo Yokulondoloza Awufanele Ube Nokulinganisela Ngaphandle kwee-ATM ze-ATM
Kukho iindlela onokukunceda ukuphepha ilahleko ezibonakalayo ekubeni ulahlekelwe imali ebhankini ehla. (Khangela ukuba yiyiphi i-Bank Failure ngolwazi olungakumbi.) Indlela elula kukuqinisekisa ukuba yonke imali enayo kwiziko lijongwe ngokupheleleyo ngemida yomshuwalense we-FDIC . Okwangoku, isebenza malunga nama-250,000 kwiziko ngalinye, kodwa kukho ezinye iindlela onokuzungezela ngazo ngokubamba iifayili zakho kunye nabaxhamli abathile. Ihamba ngaphaya kwelo candelo ukuba lixubushe kodwa i-FDIC ngokwayo inezipapasho ezithile ezifumaneka kwi-intanethi.
5. I-Akhawunti Yokugcina Ebonakalayo Eyona Mpela Iya Kukuvumela Ukuba Ukhethe Imali Yenkolo
Kwi-subset ethile yabathengi bebhanki, kukho enye ibonakaliso eyongezelelweyo ye-akhawunti enkulu yokulondoloza kunye nokukwazi ukukhetha imali engundoqo ngaphandle kweDola yaseMerika.
Enye yeenkokheli kule ntsimi yiBeverBank. Kuya kukuvumela ukuba ulondoloze kwaye ufumane inzala kwi-dollar yaseAustraliya, eyiyo yaseBrazil, i-British dollar, i-dollar yaseCanada, i-renminbi yaseChina, isiCzech, isiRanish isihlalo sobukhosi, i-Euro, i-dollar yaseHong Kong, i-forint yaseHungary, i-rupee yaseNdiya, i-yen yaseJapan, i-peso yaseMexico, Idola yaseNew Zealand, i-krone yaseNorway, i-Polish zloty, iDola yaseRongor, irandi yaseMzantsi Afrika, i-krona yesiSweden, ne-Swiss Franc. Unokukhetha isatifiketi sediphozi okanye esinye isixhobo sezemali kunoma yiyiphi na yee currenti, kwaye ufumana irhuwalense ye-FDIC. Unokuthenga izibophelelo zangaphandle . Baya kukuvumela ukuba uzibeke kwi- IRA kwiakhawunti yakho yomhlala-phantsi ukuba ucinga ukuba uqiqayo.