Iingxelo zentlawulo yeCD
Kwiimeko ezininzi, kufuneka uhlawule irhafu yengeniso kwimali oyifumanayo kwiCD.
Inzala iyaphathwa njengenzuzo yengeniso , kwaye ngokubanzi uza kufuneka uyixele ingeniso yonyaka apho ifunyenwe ngeniso. Xa i-CD yakho ikhula kwaye imali yakho ibuyiselwa kwi-akhawunti yakho yokulondoloza, ngokuqhelekileyo (kodwa akunjalo) ukubuyiswa kwenqununu yakho, engekho isiganeko esihlawulwayo.
Kubantu abaninzi, izinto zilula: ukuba ibhanki yakho ikuthumela ifom ye-1099-INT ekupheleni konyaka, sebenzisa olo lwazi kwaye ulindele ukuhlawula irhafu kwimali yakho ye-CD.
Kodwa izinto azihlali zilula. Ungeke uqiniseke ukuba umdla wakho "wamukelwe," kunye nezinye izinto zingabonakali. Ukuba unemibuzo malunga nendlela yokunika ingxelo kwintlawulo yerhafu, thetha kwi-preparer yerhafu yengingqi onokujonga ngayo imeko yakho.
Akukho ntlawulo yerhafu ekhethekileyo yenzalo efunyenwe kumaCD. Isilinganiso ohlawula kuso siya kuxhomekeka kuyo yonke into ekubuyeni kwakho, kwaye ingatshintshwa unyaka nonyaka - kuyafana nenkokhelo eqhelekileyo oyifumanayo emsebenzini wakho.
A retirement Akhawunti
Ukuba i-CD yakho ibanjwe kwi-akhawunti yomhlala-phantsi njengesi-IRA, unganakho ukuhlawulwa irhafu yengeniso kwimali njengoko unayo yonke imali ngonyaka. Kunoko, uya kuhlawula irhafu xa uhoxisa imali kwi-akhawunti yomhlalaphantsi. Ukuba usebenzisa i-Roth IRA (okanye enye i-akhawunti yeRoth), usenokuze uhlawule irhafu yengeniso kwimali oyifumanayo.
IiNkundla zeCD
Xa uthenge i-CD, uzinike ukushiya imali kwi-CD ngexesha elithile. Ukuba kukho into eyenzekayo, unako ukutsala imali ngokukhawuleza - kodwa kuya kuhlawula . Amabhanki ahlawulisa izigwebo zangaphambili zokurhoxisa, ngokuqhelekileyo zibonakaliswe njengeenzuzo ezinyangeni eziliqela. Khangela inani langempela lesohlwayo sakho kwiBhokisi 2 ye-1099-INT ukusuka kwibhankini yakho.
Kwezinye iimeko, eso sihlwayo sinokudityaniswa . Kodwa kukulungele ukufumana enye imithombo yemali-ukuhlawula idola kwi-bhanki nokufumana i $ 0.30 yokuphulwa kwentela ayizinzileyo.
Ukunciphisa intela
Ukuba unomdla malunga ne-bill yeerhafu, hlabana nomcwangcisi wezemali kunye nomcebisi weerhafu, ngubani onokunika iingcebiso ezithile. Ku no kwenzeka ukulawula iintlobo zemali engenayo oyifumana kwiindidi ezahlukeneyo zeakhawunti. Umzekelo, ukuba uhlawula amanqanaba aphezulu kumdla we-CD, ngaba kukho indlela yokufumana inzala kwi-akhawunti ehlawulwe irhafu (okanye irhafu-ntlawulo), ngelixa ufumana imali engcono kwiimali zakho zerhafu?
Kubalulekile
Imithetho yerhafu iyanzima, kwaye iguquka ngezikhathi ezithile. Eli phepha linika kuphela uluvo olubanzi, kwaye alukwazi ukusetyenziswa ukuzalisa iifom zakho zerhafu okanye ukuphepha iintlawulo zerhafu. Thetha kunye neengcali zengingqi onokukunika iingcebiso ngokuthe ngqo emva kokuba wazi kakuhle ngeemali zakho.