Nguwuphi utyalo-mali oba lube luhle kakhulu kwiPortfolio Portfolio?

Imizekelo yeeNdawo zeeAsenti ezingasetyenziselwa ukuGcina iNgxowa-mali

Ndifuna ukuthatha isikhashana ukuxubusha iipotfoliyo zokugcinwa kweengxowa-mali kodwa ngaphambi kokuba ndiyenze, kubalulekile ukukukhumbuza ukuba le ngxoxo ichazwe ukuba yinkcazo ephakamileyo yezemfundo enikezelwe kukuba ndingumlawuli olawulayo kwinkampani yokulawula i-asethi . Ngokukodwa, ndifuna ukwenza oku kunikwe ingxoxo yethu yakutshanje ngokubaluleka kokugcina ezinye iimali zokulondolozwa kwemali kunye neengcambu zemibandela emine omele uzibuze yona xa uthe wongeza enye indawo yokugcina imali kwi-portfolio yakho .

Ndacinga ukuba kunokuba luncedo ukudala iphepha lokufowunela ngokukhawuleza kulabo bafuna ukwazi ukuba yiziphi iindidi zee-akhawunti okanye iziqinisekiso ezinokuthi ziqwalaselwe ngomsebenzi phantsi kweemeko ezahlukeneyo. Oku akukuphelelanga, kwaye kuya kufuneka ukuba bobabini baqinisekise ukuba iimeko azizange zitshintshe izinto eziphathekayo ngenxa yokuba eli thunyelwe lishicilelwe ekuqaleni njengoko ulwazi lungahle luphele kwaye ludibanise nomcebisi wakho wezolimo , kodwa kufuneka wena ngendlela elungileyo kwaye ndikunike ingcamango engathandekiyo yokuba ungathanda ukucinga njani ngengxaki yokhuseleko-nqununu.

1. I-Capital Preservation Portfolio Iinqununu zeMali oyifunayo

Imali oyifunayo, okanye ingadinga, okanye isaziso esifutshane - iintsuku ezimbalwa okanye ngaphantsi - ezi zimbini ezikhethileyo ziza kubonakala zibuhlungu, kodwa zikwazi ukubetha phantsi kweemeko ezininzi:

• I-akhawunti yokujonga i-akhawunti ye-FDIC
• I-akhawunti yokugcina imali e-FDIC

Akunakukubeka bucala ngamakhulu amawaka eedola (ukuba unengqiqo kwaye uyakhela ubunikazi beakhawunti yakho ngokuchanekileyo, unokuphumelela ngokwenene ukwandisa umda wakho womshuwalense osebenzayo we-FDIC ukuya kwiibhakethi zezigidi ezimbini; ezingaphezu kweengxoxo zethu) , kodwa unamaofisi yesebe onokungena kuwo ukuba ufuna i-cash, akudingeki uxhalabe malunga nokuphangwa, kwaye, nangona oku akunjalo namhlanje, phantsi kweemeko eziqhelekileyo zemarike, uza kufumana inzala kwi nkunzi.

Kunzima ukulibala ngamanye amaxesha, kodwa ihlabathi leenqanaba lentengo yepesenti apho sifumana khona yinto engabonakaliyo yembali engenakwenzeka ukuqhubeka ngonaphakade.

Ngaphandle koko, unako ukugcina imali yangempela kwi-imvulophu okanye uvalelwe kwibhokisi ephosiweyo, kodwa kubandakanya umngcipheko wokulahlekelwa kunye nokusela.

2. I-Portfolio Preservation Portfolio Iinqununu zemali oyifunayo kwiiNyanga ezimbalwa ezizayo

Ukuba ukwandisa iwindow yakho ixesha elide, sinokufaka iinketho ezongezelelweyo ezongezelelweyo kwiluhlu lwakho lokugcina imali.

• Iifutshane zexesha elifutshane laseUnited States Iindleko zeeMali zeeMali ezikhulayo ezingekho ngaphezu kweentsuku eziyi-90 ukuya kwe-180, ezigcinwe ngqo kwi-Treasury yase-US ngokusebenzisa i-akhawunti yeSebe lezeMali.
• Izitifiketi ze-FDIC zokufaka idiphozi ekukhuleni kwiintsuku ezingama-90 ukuya kwi-180
• I-akhawunti ye-FDIC yemarike yemali eqinisekisiwe (engekho imali yemarike yemali; ezo zihlukile)

Njengokuba kukho uluhlu lokugqibela, into ebalulekileyo apha kukuqinisekisa ukuba ixabiso lakho eliyintloko lixhaswa ngesiqinisekiso esipheleleyo soRhulumente wase-United States, ngokuthe ngqo okanye kwi-Arhente yase-Federal Deposit Insurance Corporation. Ukuba enye ingxaki yesikweledu ibetha, ufuna ukukwazi ukuvelisa ngemali yakho, nokuba ibhanki yakho ihluleka. Ukuba ukhetha ukukhangela ibhanki kwimanyano yematyala, kunoko, uya kukhangela i-NCUA idipozithi exhaswayo, eyinxalenye ye-credit union ye-FDIC.

3. I-Capital Preservation Portfolio Iinqununu zemali oyifunayo kwiminyaka embalwa elandelayo

Kule meko, ukhetho lwakho luba lukhulu ngokubanzi njengoko unako ukubandakanya iziqinisekiso ezininzi ezahlukeneyo zokufumana imali kwi-mix mix. Ngokuqhelekileyo, isigaba esingaphambili sinokudibaniswa, kuya kufuneka ukhethe ukukhula okude (umz., Izatifikethi ze-FDIC eziqinisekisiwe zokukhupha idiphozi kwiminyaka emihlanu zifanelekile).

• Iibhanki zoshishino ezikhula ngaphandle komhla wokuqala apho unokufuna khona imali
• Izibophezelo zikamasipala ezikhula ngaphandle komhla wokuqala apho unokufuna khona imali
• Izibophelelo zokugcinwa kwee-US (i- Series EE okanye i- Series I )
• Ibhanki ye-Arhente yase-US ekhula ngaphandle komhla wokuqala apho ungayifuna khona imali

Eyona mngcipheko omkhulu kulolu hlobo iya kubandakanya ubude bebhondi obangelwa yintsholongwane yemithwalo yemali, ingozi yemboleko kwimpilo yezemali yomniki-mboleko kunye nokubikezela kwakho ngokuchanekileyo xa ulindele ukuba uya kufuna iimali (phuma ixesha elide kwaye ziza kulahlekelwa yilahleko kwindawo yokunyuka kwezinga lokuhlala; zihlale ziphantse kakhulu kunoko kwaye unokushiya isivuno somdla kwitafile).

Kuzo zonke iimeko, ngokubanzi uya kufuna ukukhusela iintambo zamanye amazwe okanye iimali zamanye amazwe eziphathekayo ukuba ziyakuthi zithathwe ngaphandle kwemisebenzi, njengoko kungenzeka ukuba kwenzeke xa kwenzeka imeko engxamisekileyo.

Uya kufuna kwakhona ukujonga isohlo kwiindleko kunye nentlawulo. Ukuba unesibhakabhakethi esiphezulu, ngohlobo lomzekeliso, kunokwenzeka ukuba imeko ekhululekile yerhafu yeebhanki ezininzi zikamasipala iya kubangela imali engaphezulu yemali kwi-pocket yakho ngaphezu kwesibambiso esiphezulu sokubambisana ukuze ufune ukuphula i-calculator kwaye ubonise isivuno sakho esifanayo .

I-Balance ayinikezeli irhafu, utyalo-mali, iinkonzo zemali kunye neengcebiso. Ulwazi lwenziwa ngaphandle kokuqwalasela iinjongo zotyalo-mali, ukunyamezela, okanye imeko zezimali kwanoma yimuphi umtyalo-mali othile kwaye angenakufaneleka kubo bonke abatyalo-mali. Ukusebenza kwangaphambili akubonakali kweziphumo ezizayo. Utyalo-mali luquka ubungozi kubandakanya ukulahlekelwa kwinqununu.