4 Iindlela ezilula kunye neendlela ezikhawulezayo zokutsalwa kwezimali kwii-Bonds zokugcina
Inqaku elilodwa: Njengoko ufunde kwiChungechunge I-bond bond yokuthenga imali yonyaka , ulinganiselwe kwinani elipheleleyo onokulifaka kwiChungechunge I-bonds yokulondolozwa ngendlela oyithenga ngayo isibophelelo ngasinye. Unokuthenga ukuya kwii-5,000 zama-rekhodi kwiziqinisekiso zephepha zomzimba kunye ne-$ 5,000 kwiibhanki ezibhaliswe ngekhompyutha ngeNkqubo ye-TreasuryDirect, okanye i-$ 10,000 iyonke, unyaka ngamnye.
1. Thenga i-Series Series I Iimali eziSondeza ngoNondyebo
Isebe le-United States leNondyebo linenkqubo ye-intanethi ye-intanethi ebizwa ngokuba yi-TreasuryDirect. Ukuvula i-akhawunti kunye ne-TreasuryDirect kufana nokuvula i-akhawunti yokutshekisha okanye yokulondoloza kwibhanki yakho. Emva kokuba uvunyiwe, ungaqala ukuthenga iChungechunge I-bonds yokulondoloza ngokukhawuleza. Izibophelelo zokulondoloza zikhutshwa ngqo kwi-akhawunti yakho kwifomathi yekhompyutheni (awuyi kufumana isatifikethi sebhondi yephepha usebenzisa le ndlela yokutyalomali kwiibhondi). Inzuzo enkulu yale ndlela kukuba unokutshala nayiphi na imali oyifunayo i-$ 25 okanye ngaphezulu, kwi penny, kwi-Series I-bonds. Oku kuthetha ukuba unayo i-$ 87.23, ungayifaka ukusebenza, endaweni yokuthenga kuphela i-$ 50 okanye i-100 yeebhondi. Kubatyalo-mali abancinci, oku kuyinzuzo enkulu eyenza ukonga okanye ukutshala imali kube lula. Kwakhona kwenza kube lula ukulandela iprogram yeendleko zemali ye dollar kuba unokufundisa inkqubo ukuba wenze utyalo-mali ngokuzenzekelayo kunye nezikhathi eziqhelekileyo.
2. Ukuthenga iCandelo loLondolozo lweeNgxowa-mali kwiBhanki yaseKhaya okanye kwiZiko lezeMali
Uninzi lweebhanki zendawo zithengisa i-Series I iimbophelelo zokulondoloza egameni leNondyebo. Unokuhamba eminyango, ukhuphukela kumtshi, uze uthi ungathanda ukuthenga. Baza kukukhomba endaweni efanelekileyo. I-Series Series I iibhondi zikhutshwa ngexabiso lomntu; umzekelo, i-bond yase-$ 50 ibiza i-$ 50.
Emva kokuba uhlawule ibhondi yakho kwaye uzalise ulwazi lobunikazi, uya kufumana isitifiketi sobhonkco sokushicilelwa esibhalwe ngeposi ngaphakathi kweentsuku ezili-15 zoshishino.
3. IiNkcazo zeMali ze-Intanethi kunye neeSayithi zeeNkcazo zeeNkcazo
Ngokuxhomekeke kwinkqubo yokuqhelaniswa kweziko lakho lemali, unokukwazi ukuthenga iChungechunge I-bonds yokulondolozwa kwi-intanethi ye-intanethi, ikugcine uhambo oluya kwisebe lendawo. Xa uthenge iChungechunge I-bonds yokugcina i-intanethi, kufuneka ufumane izatifikethi zebhanki zamaphepha kwiintsuku ezili-15 zoshishino. Iibhondi zikhutshwa yi-United States Treasury kwaye zifika ngeposi.
4. Ukutyalomali kwiCandelo loLondolozo lweeNgxowa-mali zokuSindisa ngeSicwangciso soMgcini-mali soKhuseleko lwabaSebenzi
Abanye abaqeshi baye badala izicwangciso zokulondoloza iikhokhelo ezikuvumela ukuba utyalomle kwiChungechunge I-bonds yokulondoloza ngokuchithwa kwemivuzo rhoqo. Ngokungawuboni imali, ulandela ngokufanelekileyo ukuhlawula isicwangciso sokuqala .
Okunye malunga neChungechunge I-Savings Bond
Unokufunda isiKhokelo sethu sokuTyala imali kwiiNgxowa-mali zoLondolozo . Oku kuya kukuhamba ngeetoni zeenkcukacha malunga nokugcinwa kweekhonkco, ngokukodwa uchungechunge lwam ubophelelo olulondolozo, kubandakanywa nendlela ongayongeza ngayo kwipotfoliyo yakho, imida yokuthenga yonyaka, iimfuno zobunikazi, iintlawulo zerhafu, kunye nokunye okuninzi.