Kukho iindlela ezininzi ezilula zokufaka imali kwiingxowa-mali ze-EE zokugcina
Kwiminyaka emininzi, kwakukho iindlela ezine ezilula zokuthenga izibophelelo zokugcina u-EE, akukho nanye apho yayinzima okanye inzima. Izibophelelo zanikezwa kwimiqulu yesibini yekhompyutheni kunye nephepha, ngamnye ngomlinganiselo wokuthenga.
Ifomathi yePhepha yenza ukuba kunikezelwe izibophelelo zokugcina imali njengesipho kwaye ummkeli unandipha into enokubonakalayo ukuba angabamba kwaye akhuphe ibhokisi edibeneyo rhoqo emva kwesikhashana, ukukhuthaza ukuqokelela kunye nokubonelela ngengqiqo yobunini njengoko bajonge amanqaku afanelekileyo. Ngelishwa, ngokulandela isigqibo seSebe lezeNondyebo ukubeka phambili ukuthengiselana ngekhompyutha, iindlela ezininzi zokuthenga izibophelelo zokugcina i-EE ziye zavalwa kwaye ngoJanuwari 1, 2012, akukho zibophelelo zephepha ezikhutshwe kubarhwebi. Zizo zonke izitayela zedijithali kwikhompyuter yekhompyutha ngoku.
Iingqungquthela ze-EE zokugcina iimfuno zifuna ukuthengwa ngoNondyebo
Ekubeni ukutshintshwa kwintsebenzo yedijithali, phantse zonke izinto ezithengiweyo zentengo ye-EE yolondolozo kufuneka zenziwe nge-Treasury Direct, kwi-portal ye-Securities portal port. Iimboleko zikhutshwa ngqo kwi-akhawunti yakho kwifomathi yekhompyutheni, apho uya kubona bekhatyathelwe eceleni kweminye imithwalo yeSebe leNondyebo, njenge- Series I i-bonds yokulondoloza , iibhidi ze-Nondyebo, amabhondi kunye namanqaku.
Unokufikelela kwi- portfolio yakho ye- bond e- 24/7 kwi-intanethi uze utyalomise nayiphi na imali oyifunayo, kwi-penny (kunokuba uthenge kumaziko ajikelezayo njengexesha elidlulileyo), ukuya kumda osebenzayo okhoyo kwi-EE izibophelelo kunaliphi ikhalenda unyaka. Kubani abafuna ukulandela i- dollar efanelekileyo ebiza iprogram engabonakaliyo , unokwenza imiyalelo ukuthenga ngokuzenzekelayo izibophelelo zokugcina u-EE kwiimali ezincinane njenge-$ 25.
Le yinkqubo eyahlukileyo kakhulu kuneendlela ezisetyenziswa kwizizukulwana zangaphambili. Kuze kube yintshintsho kwifomati yedijithali, ukuba ufuna ukuthenga isibophelelo sokugcina imali ye-EE, uza kungena kwibhanki yendawo okanye kwiziko lemali uze ulandele isitifiketi sephepha. Njengoko ufunde kwisikhokelo sokuqala sokutshala imali kwiiNtshontsho ze-EE zokugcinwa, izibophelelo zephepha zikhutshwe kwi-50% yobungakanani buso. Kwiimeko ezininzi, isatifikethi sephepha sithunyelwe kummkeli (okanye wena, ukuba uthengela ukubamba kwakho) kwiintsuku ezingama-15 zoshishino. Ngokutsho kwe-Treasury yase-United States, ibhondi ibonakalise umhla owuthengayo ukuze ungalahlekelwa yintlawulo yengeniso ngexesha lokucwangcisa. Kwakukho abantwana abaninzi abaye bahamba ngokubuthwa kwabantwana baqokelela ezi ziqendu zamaphepha, emva koko bakhula kwaye bahlawulela izibophelelo zabo ze- Series EE ukuze bahlawule iikholeji, bafumane inzuzo yeerhafu ezizodwa . Kwixesha elizayo, umntu ucinga ngento encinane engathandabuzekiyo, xa engekho encinci, kwindawo apho bacinezela iqhosha kwaye i-holdings yayo idluliselwe kwi-bursar. Amaxesha, aguquka, njengoko ilizwi lihamba.
Zithengise ngokuzenzekelayo iBond yee-Savings Bonds ngokusebenzisa iSicwangciso soSondlo sePalagram esixhaswe nguMqeshi wakho
Ukukhuthaza amaxabiso angaphezulu okugcina, abanye abaqeshi basebenze kunye noNondyebo ukudala izicwangciso zokulondoloza imali.
Umqeshwa angayibhalisela ukuzithengisa ngokuzenzekelayo izibophelelo zokugcina u-EE ngohlahlo lwabiwo-mali. Ngokungawuboni imali, ulandela ngokufanelekileyo ukuhlawula isicwangciso sokuqala . Ukuba le nto iyakukuthandayo, tshekisha i-payroll yakho okanye isebe le-HR ukubona ukuba umqeshi wakho unika lolu hlobo lwesicwangciso.
Ukufumana ulwazi oluthe xaxa malunga nokuthenga izibophelelo zokulondoloza u-EE, vakashela isiKhokelo sethu soMgca we-EE Savings Bond Guide . Uza kufumana amathoni amanqaku afanelekileyo, umxholo, kunye nezixhobo ukukufundisa ngemithetho, ama-quirks, iingenelo kunye nokungahambi kahle kwezi ziqinisekiso ezifumanekileyo ezihlonelweyo.