Qinisekisa ukuba Ubeka Imali Yakho Ukusebenza
Ukumisela inkqubo yokulondoloza ngokuzenzekelayo yindlela elula yokwakha ingxowa-mali engxamisekileyo , gcina ukuhlawula kwikhaya, ubeke eceleni imali kwiholide yephupha okanye icebo lokuthenga imoto ezayo.
Kodwa ufanele ugcine phi ugcino lwakho xa ufuna ukukhulisa umvuzo wakho wemali? Ngenhlanhla, kukho izithuthi ezininzi ezahlukileyo ukukhetha kuzo kwaye kubalulekile ukwazi apho ungayifumana khona amaxabiso angcono.
IiNkcukacha zoLondolozo
I-akhawunti yokulondoloza kwibhankini yakho yasekhaya okanye inkontileka yemali yindawo efanelekileyo kakhulu yokugcina imali. Ukuba ufuna ukufaka idiphozithi okanye ukurhoxiswa, unako ukungena kwisebe lendawo okanye u tyelele i-ATM. Ingcipheko kukuba unokuba ubeke imali yakho kusetyenziso olungcono kakhulu nge-akhawunti yokugcina imali.
Kwiibhanki zetena kunye ne-mortar, ungalindela ngokuqhelekileyo ukufumana umvuzo wonyaka wepesenti kwi-savings ukusuka ku-0.01% ukuya kwi-0.30%. Ukubeka oko kucinga, cinga ukuba ubeka i-$ 10,000 kwi-akhawunti yokugcina nge-0.02%. Emva konyaka omnye, ubuya kufumana i-$ 2 engenayo inzala.
Iirhafu zenzalo ziyahlukahluka ngokubhekiselele kuhlobo lwe-akhawunti kunye nebhanki, kodwa ngokubanzi, ungalindela amaxabiso kwiibhanki zemveli kunye neemanyano zemali-mboleko ziphantsi.
Amabhanki anokunika ukufikelela kumazinga aphezulu kodwa kuphela abo basindisa abagcina izilinganiso ezintlanu okanye ezintandathu zokugcina imali.
I-akhawunti yokulondoloza rhoqo ayikho ngaphandle kwayo. Bayi-liquid, oku kuthetha ukuba unokufikelela kwimali yakho kwisaziso esifutshane. Kodwa, loo mali ayinako ukuhlawula umvuzo ophantsi.
Iintlawulo eziPhakamileyo eziKhuselekileyo
I-akhawunti yokulondoloza imali ephezulu isebenza ngokufanayo kunye nokugcinwa kwama-akhawunti ngokukodwa okubalulekileyo: bahlinzeka nge-APY ephezulu kakhulu. Ezi ngxelo zifumaneka ngokubanzi kwiibhanki ze-intanethi, oko kuthetha ukuba uyazincama ngokulula kwebhanki yesebe. Kodwa, kunokwenzeka ukuba ufumane i-akhawunti ephezulu yokulondoloza imali kunye ne-APY ephakamileyo ibe ngu-5%.
Ukubuyela kumlinganiselo we-$ 10,000 kumzekelo wangaphambili, umvuzo wakho wokufumana umvuzo wonyaka wawuza ku-$ 512, ufumane i-APY ye-5%. Kwanama-1.5%, uza kufumana imali engama-dollar ayi-150 enomdla, ophezulu ngokugqithiseleyo kunokuba ungayifumana njani ngokugcinwa kwemveli.
Kakade, kufuneka uqikelele ukufikelela kwento. Ukuba usebenzisa ukufaka imali kwi-savings, kufuneka usebenzise i-akhawunti kwelinye ibhanki ukuze wenze ezo zidiphozithi, uze uthumele imali kwi-intanethi yokugcina imali. Ifowuni isheke idiphozithi ingenza lula izinto kodwa unako ukulinda ukuya kwiiveki ukuba ezo zidiphozi zicacise. Kwaye, ukuba kukho into ehambelanayo ne-akhawunti yakho awukwazi ukuthetha nombhanki okanye umthengi wenkonzo kumntu.
Iimali zeeMali zeMali yeMali kunye neMali yeeMali zeMalike
Ngaphandle kwe-akhawunti yokugcina imali , unokuhlangana nesinye isithuthi sokugcina esibizwa ngokuba yimarike yemali. Kukho iintlobo ezimbini ezahlukeneyo zee-akhawunti zeemarike zemali: i-akhawunti yemali yokulondoloza imarike kunye nemali yemarike yemali.
Ukugcinwa kwemarike yemali kusebenza phantse naleyo nayiphi na enye i-akhawunti yokulondoloza kodwa ngeendlela ezimbini. Okokuqala, ezi ngxelo zinokuhlawula ixabiso lentengo ephakamileyo okanye ukunikezela ngesakhiwo semilinganiselo esekelwe kwisilinganisi sakho, into ethile yokugcina imali ayiyi kuyenza. Okwesibini, ezi ngxelo zingase zifike kunye namalungelo okubhalwa ngetekisi okanye ikhadi lokukhwabanisa. Njengaye naziphi na ezinye i-akhawunti yokugcina imali, ukugcinwa kwemarike yemali kunqunyelwe nguMgaqo- miselo weD . Okubalulekileyo, le mithetho ikukhawulelisa ukutshatyalaliswa ezintandathu kwiinyanga.
Iimali zentengo yemarike yemali yinto ehluke ngokupheleleyo. Akhange ikhishwe yibhanki; Kunoko, banikezwa iinkampani zentalo-mali. Ungagcina kwi-akhawunti yemali yemarike ngokubambisa i-akhawunti ye- brokerage okanye ubeke i-akhawunti entsha kunye nenkampani ye-fund ngokuzenzekelayo ukuba uthathe inxaxheba kwimali yemali yemali .
Le mali ibeka imali kwiintlobo-mali ezifutshane zonyaka-mali ukwenzela ukuvelisa inzala ekhangayo.
Ngokungafani ne-akhawunti yemarike yemali kwi-bhanki yakho, iimali zeemarike zengxowa-mali azikho i-FDIC eqinisekisiwe. Imali kwingxowa-mali ityalomali kwiimarike, nto leyo ithetha ukuba kukho umngcipheko ophezulu ochaphazelekayo xa kuthelekiswa nokulondolozwa kwemarike yemali okanye ukugcinwa kwemali ephezulu. Ngemali yemarike yemali, kufuneka uqwalasele iirhafu, ngokukodwa umlinganiselo weendleko . Le yintlawulo yolawulo ehlolwe njengepesenti yempahla yakho yemali. Nangona imali yeemarike zemali, njengeVanguard ye-Prime Money Market Fund (VMMXX), inokubuyisela ukubuyiswa kwe-1% ngonyaka, awukwazi ukugcina yonke loo mali emva kokuba imali ihlawulwe. i-akhawunti kunye neengxowa-mali zihlawuliswa, ezinokuthi zinciphise umvuzo.
Iziqinisekiso zeDisposithi
Isatifiketi sokupaka , ngokunye okubizwa ngokuba yi-CD, yindawo enye yokugcina imali esenziwa rhoqo ngebhanki yakho. I-CD yifom yexesha , oko kuthetha ukuba imali oyifakayo kwidiphozi kufuneka uhlale apho ngenani elichanekileyo lexesha ngaphambi kokuba ungayihoxisa.
Unokuthenga i-CD kunye neefowuni ezahlukeneyo ezifutshane njengenyanga enye okanye ixesha elide kwiminyaka eyi-10. Ngokuqhelekileyo, xa uvumelekile ukushiya imali yakho kwidiphozithi, inzala enkulu ibhanki iya kukuhlawula. Amabhanki angabonelela ngamanani aphakamileyo ukugcina ibhalansi enkulu kwi-CD. Ezinye iibhanki zinika ama-CD angamazinga okunyuka, ukwandisa izinga lakho ngexesha kwiCD.
Ngokwamaxabiso, umyinge wesizwe kwinyanga eyi-12 eyi-CD yayingu-1.85%, ngoFebruwari 2018. I-jumbo ye-500 ye-jumbo yeminyaka yenza i-2.55% ngokuthelekiswa. Ekuqalekeni, le ntlawulo ibonakala iphakamileyo kakhulu kuneakhawunti yokulondoloza imali ephezulu kodwa kufuneka uqwalasele ukuba kufuneka ubeke ngaphantsi kwi CD ukuba uzuze.
Ekubeni ufunwa ukuba ushiye imali yakho kwi-CD malunga nexesha elikhethiweyo, oku kungenza imali yakho ifikeleleke ngaphezu kwe-akhawunti yokulondoloza okanye yemarike yemali. Le nto ingaba yinto entle kuba ikukhuthaza ukuba ushiye imali yodwa, kodwa kwimeko engxamisekileyo apho imali iyadingeka ngokukhawuleza, oku kungayithintelo. Ngethamsanqa, unokufikelela kwimali ngaphambi kokuba i- CD ikhule , kodwa ibhanki iya kubeka isohlwayo esinokususa ngokukhawuleza inzala oyifumene nayo.
Iimali zeeSondlo kunye noNondyebo
Enye indlela enokuyilondoloza ngayo ukugcinwa kwamabhondi. Izibophelelo zokulondoloza zikhutshwa nguRhulumente wase-US kwaye zixhaswa ngokholo olupheleleyo kunye netyala. Ngokufana neCD, ukugcinwa kwezibophelelo kunomhla wokuvuthwa obekwe apho ubophelelo lufikelele kwixabiso eliphezulu. Kwiimeko ezininzi, le minyaka engama-20 okanye engama-30.
Izibophelelo zokulondolozwa zithathwa inzala inyanga nganye kwaye unako ukufaka imali kwisibophelelo sokulondoloza nangaliphi na ixesha, nangona ukwenza oko ngaphambi kokukhula kunokubangela ukuba unomdla, kwakhona, ufana neCD. Unokuthenga izibophelelo zokulondolozwa kwiibhanki ezininzi okanye kwi-intanethi kwi-Treasury Direct.
Amashishini aseMelika, kuquka i-T-bills kunye namanqaku, enye inketho yokugcina imali ekhuselekileyo engakhokelela kwizinga eliphezulu. Ubuncwane bungathengwa ngemigangatho emfutshane okanye ekhulileyo kwaye uqala ukugcina kunye ne-$ 100. Iirhafu zenzalo kulezi zithuthi ezigcinwe kwaye zivelise ukwanda njengoko ixesha lokukhula likhula. Ngomhla kaFebruwari 2018, umzekelo, isivuno seNondyebo seminyaka eli-10 sasingu-2.79 pesenti.
Yintoni Efanelekileyo Kuwe?
Xa kuziwa kulondolozo, akukho mpendulo efanelekileyo okanye engalunganga. Ekugqibeleni kuxhomekeke kwiimfuno zakho. Ukuba usebenzisa ulondolozo lwakho lokukhusela i-overdraft kwaye ufuna ukufumaneka ngokukhawuleza kwimeko apho uyayidinga, i-akhawunti yokugcina imali okanye yemali ephezulu inokuba yinto efanelekileyo kakhulu. Ukuba ulondolozela ukuthenga okukhulu okanye into eqikelelweyo ezinyangeni ezimbalwa okanye iminyaka phantsi kwendlela, unokufumana amaxabiso angcono ngeCD okanye mhlawumbi ngemali yemarike yemali .
Kubantu abaninzi, kuhla ukuya ekudibaniseni iimoto ezininzi zokulondoloza. Kuya kuba yinxalenye yengxowa-mali yongxamiseko kwi-akhawunti yokulondoloza ebhankini, mhlawumbi imali ethile kwingxowa-mali yemali kwi-akhawunti yezobalo-mali , kwaye amanye ama-CD, amabhonkco okanye i-Treasury agxothwe ukugcinwa kwexesha elide. Kungakhathaliseki ukuba yintoni na imeko, ufuna ukuqinisekisa ukuba imali yakho isebenza nzima njengokuba inako ukukhula okuphezulu.