Isikhokelo soTyalo-mali esitsha sokuSebenzisa amabhondi ukukhusela imithwalo yemali
Iingqungquthela I-bond bond e-United States I-Treasury yindlela enkulu yokuba abatyala-mali abatsha bakwazi ukuzikhusela kwi-inflation. Nangona uchungechunge lwam iibhondi luhlobo lwe-coupon ye-zero, isibophelelo sokulondoloza, esichazela ukuba awuyi kufumana ithengisiso yenzalo kwi-imeyile kodwa kunokuba inzala yakho yenzalo iya kufakwa kwixabiso le-bond kunye nokuhlanganiswa de uze uthengise intlawulelo yokugcina kuRhulumente waseUnited States, banikezela ukukhusela okukhethekileyo kunye nesiqinisekiso sokuba abayi kuze balahlekelwa yimali.
01 Ukwazisa kwam Iimali zeBatsha-mali abatsha
02 Ngubani ovumelekileyo wokuTyala imali kwiiNkcazo zeMali eziMali?
Akuyena wonke umntu onokubakho iimbopheleleko okanye ezinye iintlobo zokubambisa izibophelelo ngenxa yemingcele eyenziwe nguRhulumente waseUnited States. Kwezinye iimeko, unokuthi uvumeleke ukuba utyalomali kwiibhanki zokugcina imali ezibhaliswe ngekhompyutha kwiProgram ye-TreasuryDirect kwaye kungekhona iziqinisekiso zesitifiketi sokubhalwa kwephepha, ukuqhubezela ngakumbi le nto. Fumana ukuba unelungelo lokufakela izibophelelo zokulondolozwa kwipotfoliyo yakho ngokukhawuleza uhlolisise olu luhlu.
03 Ngaba kukho umda kwiiNgxowa-mali ezininzi Iingayifumana?
Uchungechunge Iprogram yoxanduva lokugcina imali ibonisa ukulinganiselwa okuthe ngqo kwixabiso elipheleleyo leebhondi ongazithenga ngonyaka. Enyanisweni, le miqathango yokuthengwa kwekhonkco yokugcina imali iyahluka ngokusekelwe ekubeni uthenga izitifiketi zamaphepha okanye iziqinisekiso zobhaliso. Abatyalomali abaSomandla bangafunda indlela yokudibanisa iindlela zokuthenga ezimbini zokuthenga izibophelelo ezingaphezulu kunezinye.
04 Ndingayithenga njani i-Series I Bonds kwiPortfolio yami?
Ukuba ulungele ukuvula i-pocketbook yakho kwaye uqale ukuthenga iChungechunge Iibhondi zokulondoloza, kukho iindlela ezine onokuwugqiba ukuthenga kwakho kwaye uqale ukufumana inzala engenayo.
05 Iingeniso zerhafu zeChungechunge Iibhonki zokuSindisa
Ukuba usebenzisa iChungechunge lwam Iibhanki zokulondoloza ukuhlawula iindleko zemfundo ezifanelekileyo, awufanele uhlawule irhafu kwingeniso oyenzayo ekutyalomali kwezo zibophelelo. Olu khetho luya kuchaza iindleko zerhafu zokutshala imali kwiimbopho zokugcina imali kunye nezinye iingcinga onokufuna ukuzenza kwisigqibo sakho malunga nokuba zilungele iphothifoliyo yakho.
06 Iingxelo zeeNkcazo zeeNkcazo zenzalo zichongiwe njani?
07 Indlela yokufunda iChungechunge I-Certificate Bond Paper Certificate
Awunayo inkcazo ukuba impawu, iintsuku, amanani kunye neefowuni kwiChungechunge Iibhondi zokugcina zithetha ntoni okanye kutheni kufuneka uzinakekele?
I-08 Series I Igalari ye-Bond Gallery
Ngaba ufuna ukubona i-Series ye-5,000 yamaChungechunge I-bond bond yokubonga ibonakala ngathi? Le mizobo ephakamileyo ye-Series Series I-bonds yokulondolozwa inikezelwa yiSebe lase-United States leNondyebo kwaye ibonisa ezinye zeMerika eziphawulekayo kwimbali yesizwe. Uluhlu ngalunye Ndidibanisa imifanekiso eboniswayo yinto abafumana ngayo imali xa batyala imali kwiprogram yesitifiketi yephepha lokugcina imali.
09 Ndilahlekelwe Iichungechunge lwam I-Certificate Bond Certificate. Ndenze ntoni?
Ngaba indlu yakho yayitshisa? Ngaba ulahlekelwe yonke irekhodi yobunikazi bakho bentengo? Yintoni omele uyenze xa ulahlekelwa iichungechunge zakho Iimboleko zokugcina?
Ukutshala imali kwiimali ze-US Savings Bonds
Kulabo bafuna ulwazi malunga nokugcinwa kweebophelelo ngokubanzi kwaye kungekhona nje kuphela iChungechunge I-bond yokonga, eli khetho liya kubonelela ngokubanzi. Izihloko ezibandakanyiweyo zibandakanya imbali yokubophelelana kwamabhondi, indlela yokuchonga ukuba kufuneka ube neengxowa-mali zokugcina imali kwipotifoliyo yakho kunye neendlela zokunciphisa irhafu kwiimboleko zakho zokugcina.
Isikhokelo sokuTyala imali kwiiNkcazo ze-EE zokugcina imali
Xa usuqedile ukufunda nokufunda malunga neChungechunge Iibhondi zokulondoloza, unokufuna ukucwaninga izibophelelo zokugcina i-EE. Le mveliso ekhethekileyo ayinikezeli ukhuseleko lokunyuka kwamaxabiso, kodwa kunoko, ube nenqanaba lomdla lokulinganisa izinga elikuvumela ukubala ukuba uza kuzuza ngaphaya kwebhondi yakho yonke ixesha. Udidi lwee-EE izibophelelo zingathengwa ngaphezu kweChungechunge Iibhondi kuba inkqubo nganye inemida yokuthenga yonyaka.