Ukugqiba ukuba ngaba isatifikethi seDisposithi okanye iMarike yeeMali ilungile kuwe
Ngokuxhomekeka kwiimeko zombini kunye neemeko zakho ezizimeleyo, izibonelelo, kunye nezinto zakho ezikhethiweyo zepotfolio, mhlawumbi, okanye zombini, unokuhlangabezana neemfuno zakho xa ufuna indawo ukuze ufumane umthombo okhuselekileyo wemali engenayo kodwa ungafuni ukuba ungene kwii-securities ezifana neebhanki zikamasipala ezingenaspala okanye izibophelelo zenkampani .
Kule nqaku, ndifuna ukuthatha ixesha lokuhamba ngeendlela ezisisiseko zokutyalomali kwimarike yemali kunye nezatifikethi zokufaka idiphozithi, ukugqamisa izinto onokufuna ukuziqwalasela nokuzichasanisa ngazo, ngoko ke unengcamango engcono malunga nezinto ezenza zihluke. Ndiyethemba lokuba ngeli xesha ude uligqibile ukuyifunda, uya kuziva ukhululekile xa, ngezinye ixesha elizayo, unquma ukongeza enye okanye zombini kwezo mali-mali kwisalathisi sakho; ukuba uzifumene uzixhobile ngolwazi olunokukunceda ukuba wenze iimpazamo okanye ukhubekiso kwiimeko onokuthi uzigweme.
Isisombululo esisisiseko seSatifikethi seDisposithi
Isatifikethi sokupaka, esaziwayo njengeCD ngokufutshane, luhlobo oluthile lwetyala elikhutshwe ngamabhanki nakwamanye amaziko emali afanelekileyo kubafundi abafuna ukutshala imali yabo yokugcina imali nokufumana inzala. Ibhanki ithatha imali ixesha elide elimiselweyo, lihlala livuza abanotyalo-mali bezona zivuno eziphezulu xa bebambelela imali yabo (nangona le nto ingahluka ngohlobo lomvuno we-isivuno) kwaye izithembiso zokuzibuyisela ekuvuneni.
Kwiibhanki eziqinisekisiwe ze-FDIC, isithembiso sebhanki sokubuyisela imali esibophelelwe kwisatifikethi sokufaka idiphozi sihlanganiswe nguRhulumente ukuya kwimida ye-FDIC ngoko, nokuba ibhanki iyawa, umnini we-CD kufuneka abuye abuye imali yakhe.
Enyanisweni, xa uthenge isitifiketi sediphozithi, uboleka imali kwibhanki. Ibhanki iyajika kwaye iboleke imali kubbolekayo, ivelise ukusasazeka phakathi kwenzalo ehlawulelayo kunye nomdla ophezulu ityala abobolekayo. Yenziwe ngokuchanekileyo, wonke umntu uyawunqoba. Kwimeko yongxowa-mali yokwenza oko kukuthi i-capitalist iyona nto ibaluleke kakhulu: Ukunikezelwa kweengozi, izibonelelo kunye nembuyekezo kumaqela afuna ukuwuthwala iziphumo ezingcono kwiinkqubo zonke. Awunayo inkxalabo malunga nokubeka ingozi kwintengo yemboleko yabanini-mboleko, abanokwenza ngokugqithiseleyo ukubhala phantsi kweebhanki zebhanki, kwaye abanini bebhanki bavelisa inzuzo, ubuninzi babo basasazwa njengezabelo zemali.
Xa uthengisa isitifiketi sediphozi, imali ithathwa kwi-akhawunti yakho (okanye ngandlela-thile uhambisa iifowuni, ezifana nokubhala isheke okanye u-cash cash kwiziko lemali). Kwiintsuku ezishiye, unikwe isitifiketi somzimba ukugcina ude ukhule, kodwa kumaxesha anamhlanje, kakhulu i-elektroniki; amanani kwikhompyutheni okanye ukuprinta.
Unquma ukuba ufuna ixesha elingakanani ukubopha imali yakho kwaye ufumane inzala enomdla ecatshulwayo ngexesha le-CD. Ngokuxhomekeka kohlobo lwesatifikethi sokufaka idiphozi oyithengayo, kunye nemimiselo, inzala engenayo oyifumanayo iya kuhanjiswa kuwe ngenyanga, ngekota, okanye ngonyaka, okanye iya kubalwa kwakhona kwixabiso lesitifiketi se-deposit, ukuvumela ukuba uyibango ngexesha lokukhula.
Kwiminyaka yakutshanje, uye waqheleka kwizindlu ezinkulu zemali zokuthengisa ukuba avumele abathengi ukuba bathenge izitifiketi zentlawulo kwi-akhawunti yabo yomrhweba kunye ne-akhawunti yomhlalaphantsi, njengeRoth IRA okanye i- Rollover IRA . Inokuba luncedo kuba unako ukubamba izatifikethi zediphozithi, ezikhutshwe ngamaziko amaninzi ahlukeneyo, ngokuhamba kwexesha kwipotfoliyo yamanqanaba onke kwindawo enye, efanelekileyo, esonwabela ukukhuselwa kwe-FDIC.
Kukulungele ukuba abatyalo-mali abatyebi abanokuthi bafikelele kwimida ye-FDIC. (Enye indlela, ukuba ukhetha ukuthenga izatifikethi zakho zokufaka idiphozi kwiziko elilodwa, kufuneka usebenzise iikhompyutheni zokufa ukwenzela ukwandisa ngokukhawuleza ukukhawulelwa kwe-FDIC yakho, nangona oko kuza kunye nokuhla kwayo .)
Izatifikethi zokufaka idiphozi zibiza i-$ 100,000 okanye ngaphezulu zibizwa ngokuba yi "Jumbo CDs" kwaye zilawula iirhafu eziphezulu.
Kwezinye iimeko, ungasebenzisa isitifiketi sediphozithi ukudala umgca okhuselekileyo wekhredithi, ibhanki ephethe i-CD njengendlela yokudibanisa. Ingaba yindlela yokuhlunga ikhekhe yakho kwaye uyidle, nayo; ukuba unikezele ukufikelela okunyanisiweyo kwintlawulo engafanelekanga njengoko ufumana inzala yengeniso.
Ukuba ufuna ukufikelela kwimali oyibophelele kwisitifiketi sakho sokupaka ngaphambi kwexesha lokukhula, indlela ohamba ngayo malunga nokuya kuxhomekeka kwiziko kunye neCD ekhethekileyo. Uninzi lweebhanki zendabuko ziyakukuhlawulela ngokutshintshiselwa isaphulelo somyinge wenzalo, njengokunciphisa inzala yemali ezintandathu. Izatifikethi ezithengiswa ngabadayisi zediphozithi, ngakolunye uhlangothi, kufuneka zifakwe kuludwe ngendlela ebolekiselwe ngayo phakathi kootyalo-mali. Uya kufuneka ulinde umntu ukuba enze ibhidi phezu kwayo, kwaye ingaba ngaphantsi kwexabiso elithengiweyo yesitifiketi sediphozi.
Isisombululo esisiseko seMakethi yeMali
Xa abatyala-mali bethetha ngeemarike zemali, kaninzi abaqapheli ukuba kukho iintlobo ezimbini ezahlukahlukeneyo zemali-mali yemarike. Ezi zinokubonakala zifana, kodwa, ngokuzimeleyo nangenxa yengozi, zihluke kakhulu.
Iimali zeeMali zeMarike- Ezi ziimveliso ezizodwa zokugcina imali ezibonelelwe ngamabhanki. Bathambekele ekuhlawuleleni irhafu ephezulu ngaphezu kweengxelo zokugcina imali kodwa banamalungelo okurhoxisa ngokukhawuleza, njengokubeka umda kwinani lokuhlola elingabhalwa kwi-akhawunti ngethuba leenyanga ezintandathu ngaphandle kokuhlawulwa kwemali. Ukuze ufunde kabanzi malunga nabo, funda ntoni iiAngxelo zeMarike zeMali? .
Iimali zeeMali zeMarike - Eyaziwayo njengeemali zemali zentengo yemarike , ezi ziqinisekisiwe yi-FDIC kodwa, endaweni yoko, ziyimali ehlanganyeneyo ebeka utyalo-mali njengemali-mali kunye nezatifikethi zentlawulo. Iimali zeemarike zemali zenzelwe ukugcina ixabiso lemali engama-1 ngesabelo ngamaxesha onke, kodwa xa behluleka ukwenza njalo, kwaziwa ngokuba " ukuphula i-buck " kwaye kunokubangela ukubaleka kwi-fund. (Ukuba utyalomali nge- 401 (k) isicwangciso somsebenzi, unokuhlangabezana nento eyaziwa njenge- value value fund.Izihlandlo ezininzi, ezi zibukeka kwaye zenza njengemali yemarike yemali kodwa, endaweni yoko, ibuyiselwa yinkxaso kunye ne-inshurensi inkampani, enika isiqinisekiso sesilinganiselo esicatshulwayo okanye uluhlu lweerhafu ezidibeneyo.) Unokufumana imali yemarike yemali ehambelana nemeko yakho yerhafu kunye nenzuzo yengeniso. Ngokomzekelo, ukuba unomvuzo ophezulu ohlala kwiSixeko saseNew York, ngexesha leemeko eziqhelekileyo okanye eziphezulu, ukufumana i-fund yemarike yemali ekhethekileyo kwiibhondi zikamaspala kamasipala waseNew York kunye ne-securities kungathetha ukugcina imali ethe xaxa. ephaketheni lakho kuneemveliso ezikhuphisanayo, kubandakanya i-akhawunti yemarike yemali kunye nezatifikethi zokufaka idiphozithi, nokuba ngaba oku kuvela kubonakala kunikezela isivuno esiphezulu ekuqalekeni. Kakade ke, oku akunandaba nokuba utyalo-mali ngokusebenzisa iplani yomhlala-phantsi okanye irhafu yomhlala-phantsi.
Ukuthelekisa izatifikethi zeDistim kunye neMakethi yeMali
Izinto ezimbalwa ziza engqondweni xa sicinga ngohlobo luni lotyalo-mali olungcono:
- Ngesitifiketi sediphozi, unako ukubala imbuyekezo yakho ekulindelekileyo ekuqaleni kwelotyalomali. Uyazi inani lakho lomdla. Uyazi i-bracket yakho yentela. Akunakwenzeka nge-akhawunti yemarike yemali okanye imali yeemarike zemali kuba izinga lesenzalo liya kuhluka ngexesha kwaye alivaliwe ngendlela ephethe isitifiketi sediphozi.
- Izatifikethi zediphozi zi-insured i-FDIC ukuya kuma-250,000.
- Izatifikethi zediphozithi ziyisisombululo esihle kubantu asebekhulile ngasekupheleni kokulinda kwabo ubomi abafuna ukugxininisa ngakumbi kwigunya lokulondolozwa kwemali - ukugcina oko banako kunokuba bakhathazeke ngokukhulisa imali yabo - intsalela yobomi babo.
- Ngesatifikethi se-deposit, ukukhetha ukukhula okude kubandakanya umlinganiselo othile wengozi yengozi. Xa ude uvale imali yakho, mhlawumbi uya kufumana inzala ephezulu. Inokuba yinto enhle, ingakumbi ukuba ireyithi iya kwehla njengoko unamathele kwiintlawulo ezicebileyo. Ngakolunye uhlangothi, awukwazi ukufikelela lula kwiimali zakho ixesha elide, ukunciphisa ukuguquguquka kwakho. Ngokwahlukileyo, ngaphandle kokuba kukho inkcenkceshe yokuthengisa okanye inkcaso ethile yenkxaso-mali, imingcipheko yakho imakethi yemarike yakho iya kuba yinto efumanekayo kuwe kunye ne-hsle and less. umnxeba, ukukhangela okubhaliweyo, okanye iqhosha le mouse ngaphandle kokufuduswa naphi na apho ufuna imali.
- Ngeemarike zemali, umyinge wemfuno uhambelana ngokuthe ngqo kumgangatho wotyalo-mali we-asethi efihliweyo, kungekhona ukukhula njengokuba kunjalo kunye neziqinisekiso zentlawulo. Ngenxa yoko, iimarike zemali zincinci ngokubalulekayo kubatyalo-mali abatyebi.
Isigwebo? Nangona zombini izatifikethi zokupaka kunye neemarike zemali ziba luncedo, kulabo bafuna ukufikelela kwiinkunzi zabo kunye / okanye abanokulinganisela kwemali ephezulu, iimarike zemali zidla ngokuzikhethela. Kulabo abafuna ukufikelela ixesha elihle kwiziganeko ezithile okanye bazuze ngokuzimisela ukutshixa imali yokugcina ixesha elide, izatifikethi zentlawulo zidla ngokukhetha ukukhetha iiphothifoliyo. Imeko yakho eyahlukileyo iya kuhluka, kwaye unokuba ufuna ukuxoxa ngeendlela ozikhethayo ngomcebisi- mali okanye omnye oqeqeshiwe, kodwa konke okulinganayo, loo mithetho jikelele kufuneka inikeze isakhelo esinelisayo kwizigqibo.