Iimanyano zetyala zifana neebhanki, kodwa kusekho ukudideka malunga nendlela iimanyano zentengo zemboleko zisebenza ngayo.
Ukuba unomdla malunga nokukhusela imali yakho, ngokuqhelekileyo uyazibuza ukuba iiyunivesithi zikhuselekile njengebhanki.
Impendulo emfutshane ikhona ewe, ifana nayo.
Ngaba iiNyunyana ziThutyelwe?
Ngokubhekiselele ekukhuselekeni kweentlawulo zakho, iimanyano zeentengo zemali zikhuselekile njenge-akhawunti yebhanki-nje kuphela nje ngokuba zizinyunyana zemali-mboleko zokhuseleko.
Uyaziqhelana ne- inshurensi ye-FDIC , ekhusela ukusilela kwebhanki , kwaye inikezela ukhuseleko lwabathengi bebhanki. Iimanyano zemali-mboleko ze-Federally zinikezela kakhulu into efanayo, ngaphandle kokuba ibizwa nge- inshurensi ye-NCUSIF , elawulwa yi-National Credit Union Administration (NCUA) esikhundleni se-FDIC.
I-National Credit Union Insurance Fund (i-NCUSIF) "ixhaswa ngokholo olupheleleyo kunye nenkokhelo kaRhulumente wase-US." NgesiNgesi esicacileyo, oko kuthetha ukuba urhulumente uqinisekisiwe, njenge-inshuwalense ye-FDIC . Ukuba umanyano wakho weentengo zemali-mboleko wenkxaso-mhlaba uza kuphumelela kwaye usule yonke i-pool ye-Money kwi-NCUSIF, urhulumente wase-US uthembisa ukuza kunye nayiphi na imali efunekayo yokutshintsha imali yakho.
Ukuba urhulumente waseUnited States akakwazi okanye engafuni ukubuyisela ngeso sizathu, ungekho inhlanhla nokuba unayo i-akhawunti kwibhankini okanye inkontileka yemali (kwaye unokuba neengxaki ezinkulu zokukhathazeka malunga).
I-NCUA ibika ukuba "Akukho nanye ipenki yokugcina imali ekhutshiweyo yomshuwalense ewake yalahleka yilungu le-credit union."
Ingakanani i-Insured?
Intshuwalense ye-FDIC kunye ne-NCUSIF inika i-$ 250,000 yokubhengezwa "nganye kwi-deposit ngalinye kwiziko." Ukuba unayo ngaphantsi kwama-250,000 kwiiziko, uyacetyiswa-kwaye unokuba ungagqithiselwa ukuba unako ngaphezu koko, kuxhomekeke kwindlela i-akhawunti iququzelelwe (ukuba unayo i-IRA kunye ne-akhawunti yokutshekisha kwi-syndicate efanayo, ngokomzekelo). Ukuze ufumane ngokuthe ngqo apho umi khona, sebenzisa i-Estimator ye-NCUA yoSabelo seNkxaso-mali.
Kuthetha ntoni i-Insured Insurance?
Imanyano yeenkontileka ikhuselekile xa idibaniselwano zentengo yemboleko yeshishini. Uninzi lwama-credit unions luwela kulolo hlobo, kodwa lufanelekile ukuqinisekisa ukuba uluphi uhlobo lwe-credit union olujongene nayo. Ukuba igama le-credit union liquka igama elithi "Federal" kulula - imali yakho ikhuselwe yi-NCUSIF.
Ukuba igama lakho lunyunyana wekhredithi aliquli igama elithi "Federal," linokube lunyunyana weentengo zemboleko. Indlela engcono kakhulu yokufumanisa kukuba kukuphanda iimanyano zesikweletu nge-NCUA.
Ezinye iinkontileka zeentengo zemboleko zithengiweyo. Ezi maziko zihlala zikhuselekileyo kunye, kodwa abanalo inkxaso karhulumente wase-US. Ukhuseleko lwakho luxhomekeka kwindlela inkontileka yemanyano yemali kunye nayo nayiphi na inshurensi (mhlawumbi i-inshurensi yabucala) iyatholakala
Ukuba awuqinisekanga ukuba ukhuselekile kangakanani umanyano wakho wesikweletu, qalisa ukubuza imibuzo malunga ne-inshuwalense yesabelo kwaye ngubani omi emva kwayo. Iimanyano zeentengo zemali-mboleko ezithengiweyo ngokuqhelekileyo azibi, ziphela nje zinikezela ngezinga eliphezulu lekhuseleko elikhoyo.
Yintoni i-Insured?
Imanyano yemboleko yindawo ekhuselekileyo yemali (kunye nemali-mali). Ukuba usebenzisa nawuphi na uhlobo lotyalo-mali nge-union yakho yemali (i-joint funds, i-annuities, kunye nolunye utyalo-mali), ezo zixhobo azihlanganiswa yi-NCUSIF. I-inshorensi ye-NCUA iquka ngokubanzi:
- Ukuhlola iakhawunti
- I-akhawunti yokugcina
- Iimali zeemarike zemarike (kodwa ingekho imali yemarike yemali)
- Iziqinisekiso zediphozithi (iiCD)
- Ii-IRA ezigcinwe kumanyano-credit
Olongezelelweyo NgeeNkonyunithi Zetyala
Imanyano yemitalimbo yindawo ephezulu yokugcina imali yakho. Ukuze ufunde okungakumbi malunga nendlela abasebenza ngayo noko bafuna ukuzilindela, funda ngezinto ezisiseko zeemanyano zentengo kunye nokuba ziqhathaniswa njani neebhanki .