Yisiphi iAkhawunti yokuSindisa ikulungele?
Xa kuziwa ekulondolozeni imali yakho unamathuba amaninzi ahlukeneyo. Kukho i-akhawunti yokulondoloza eyenzelwe iinjongo ezithile zokugcina engqondweni. Ukongeza, xa uqala ukwakha ubutyebi kwaye ukhulise ngokwenene imali yakho, kufuneka ujonge kwizixhobo zokutshala imali njengenye indlela yokuhlawula inzala ephantsi eyenziwa ngama-akhawunti agcino lwendalo . Ngeke ukwazi ukukhulisa ubutyebi ngokugcina imali yakho kuphela, kufuneka utyalomali. Kubalulekile ukunyusa ngokucacileyo ukugcinwa kweebhondi kwiindawo ezininzi zokutshala imali, kodwa kufuneka uqwalasele ezinye iinketho ezifana neemali zobudlelwane. Le ngqungquthela yeakhawunti, ngoko unokufanisa iinjongo zakho zokulondoloza kunye neakhawunti echanekileyo.
01 IiNkcazo zokuSindisa eziSiseko
- Le akhawunti inika ufikelelo olulula kwimali yakho.
- Inika izinga eliphantsi lokubuya.
- Cinga ngokukhangela kwi-intanethi ukubona ukuba unokufumana umyinge ophezulu.
- Oku kungasebenza kakuhle kwi-fund yakho yexakeka.
ISatifikethi se-Deposit (ii-CD)
Ezi ngxelo zinikeza inzala ephakamileyo, kodwa imali kunzima ukufikelela kuyo. Uvale ngemali ngexesha elide elide, kwaye uya kulahlekelwa ngumdla wakho okanye ufumane esinye isohlwayo xa uthabatha imali kusasa. Ireyiti yokubuyisela idla ngokukhawuleza kunokuba i-akhawunti yemarike yemali. Utyalo-mali olukhuselekileyo ekubeni imali iqinisekisiwe, kodwa akuyona indlela enhle yokukhulisa imali yakho. Yindlela yokuyigcina ikhuselekile. Isicwangciso esilungileyo sokulondolozwa kwexesha elide ofuna ukukhusela, njengentlawulo yakho yokuhlala. Nangona kunjalo, unokukwazi ukufumana inzala ephezulu kwenye indawo.
- Le akhawunti igqiba ukufikelela kwakho kwimali yakho ngexesha elimiselweyo.
- Iirhafu zingaba ziphakamileyo kune-akhawunti yokulondoloza, kodwa zixhomekeka kwiimeko zemarike.
- Ukufunda ngokucophelela naziphi na izivumelwano phambi kokuba ubhalisele i-akhawunti ukuze uqonde imigaqo malunga nokurhoxiswa nokuyifaka kwi-CD entsha.
- Iibhanki ze-intanethi zinokunikela ngezinga eliphezulu.
03 Mutual Funds
Iimali zengxowa-mali zixhobo zokutyala ukuqwalasela xa ulungele ukuqala ukutshala imali yakho. Ziyakuvumela ukuba uqale ukukhulisa ubutyebi bakho . Imali ayiqinisekanga, kwaye uqhuba ingozi yokuba nelahleko ukuba ukhetha ukusebenzisa le sixhobo. Iimali zengxowa-mali yindlela ekhuselekileyo yokutshala imali yakho kuba isasaza ingozi yokulahleka kwiimpahla ezininzi ezahlukeneyo. Kufuneka ujonge iimali eziphathekayo ezazisasazeka kwiintlobo ezahlukeneyo zeesitokiti kunye nerekodi efanelekileyo. Kubalulekile ukutshala imali ukwenzela ukwakha ubutyebi. Iimali zengxowa-mali zilungele ukugcinwa kwexesha elide, kuba kufuneka ubenakho ukuzivumela ukuba zibuyiselwe ukuba i-market ithetha ukudibanisa. Qinisekisa ukugcina oku engqondweni xa uqala ukugcina imali kwiimali ezihlangeneyo.
- Le ndlela inomngcipheko omkhulu, kodwa iimali ezihlangeneyo ziindlela ekhuselekileyo yokutyalomali.
- Qiniseka ukuba ubuyekeze iirhafu zeemali ezidibeneyo ngaphambi kokuba ukhethe enye.
- Fumana izinga lokubuyisela kwimali kunye nokujonga ngaphezu kokuphela konyaka ophelileyo okanye ezimbini ukuba ubone ukuba imali ilawulwa njani.
- Oku kukugcinwa kwexesha elide. Uya kufuneka ube nako ukunika ixesha lemarike ukufumana kwakhona ukuba kukho ukudibanisa. Ukuba ufuna imali kwiminyaka emihlanu qhubeka ukhangela enye inketho yokugcina imali.
04 I-Akhawunti yeMali yokuThengiswa kweMali
I-akhawunti yokulondoloza imarike yemali enye i-akhawunti yokulondoloza ukuba ungayifumana ibhanki yakho. Iimali ziyaqinisekiswa yi-FDIC. Inika umlinganiselo wenzalo ephakamileyo, kodwa inesidingo esincinci se-deposit. Kwakhona kufumaneka lula, nangona ezinye iibhanki zinokunciphisa inani lokuthengiswa ngenyanga ngenyanga kule akhawunti. Yindawo enhle kwi-fund yakho yenyanga engxamisekileyo yeenyanga ezintathu ukuya kweyesithandathu. Oku kusebenza kuphela ukuba unako ukugcina ubuncinane bemigangatho ebekelwe ibhanki yakho. Ukuba ulahla ngaphantsi, udla ngokugqibela ukuhlawula umrhumo wenkonzo kunye nokulahlekelwa ngumdla owenziweyo ngethuba leenyanga.
- Qiniseka ukuba uyaziqonda iimfuno zokufikelela kwimali.
- I-akhawunti ye-intanethi ingaba neyona nzala ephezulu.
- Oku kuyindlela enhle yesikhwama esikhulu esiphuthumayo okanye imali oyilondolozayo kwiminyaka emihlanu.