Ngaba iAkhawunti zam zikhuselekile? Ngaba i-Akhawunti yam i-Insured?
Ngethamsanqa, ukuba iqumrhu eliphethe imali yakho lihamba ngesisu, udla ngokuba (kodwa kungekho rhoqo) ukhuselwe-ubuncinane kwinqanaba elithile. Ngoko iimeko zokubukela ibhalansi ye-akhawunti yakho ye-100% ziphantsi.
Ngokomzekelo, xa iWashington Mutual Bank yahluleka ngo-2008 - ukuphela kwebhanki enkulu kunamhlanje - abathengi abazange baphelelwe yimali ngenxa ye-inshurensi yakwa-FDIC.
Kuthiwani ngezinye iintlobo zelahleko? Kungenzeka ukuba i-akhawunti yakho ihlanganiswe ngolu hlobo lomshuwalense wabucala.
Ibhanki (kunye ne-Credit Union) Ukungaphumeleli
Amabhanki kunye neemanyano zemboleko ngokubanzi ziindawo ezikhuselekileyo zokugcina imali. Awubonakalwanga ukunyuka kweemarike, kwaye amaninzi amaziko aqinisekisiwe ngokuxhaswa nguRhulumente waseUnited States - ukuba urhulumente akakwazi ukunceda, unenkxalabo enkulu kunemali yakho.
Ngamanye amaxesha amabhanki aphelelwa Utyalo-mali abawenzayo alusebenzi, kwaye abasenayo imali yokuhlangabezana neemfuno zamakhasimende. Ukuba igama liphuma kwaye kukho ukugijima kwibhankini , izinto ziyawahlukana ngokukhawuleza. Ngenhlanhla, ezininzi iibhanki zithengwa ngamanye amabhanki (abathengi bebhanki engaphumeleli baba ngabathengi bebhanki lokuthenga), kwaye kaninzi akukho mntu ulahlekelwa nayiphi na imali.
Kwiimeko ezininzi, abathengi abaziqaphela xa ibhanki ihluleka .
Ukuqinisekisa ukuba imali yakho ikhuselekile kunokwenzeka, qinisekisa ukuba imali yakho i-FDIC isiqinisekiso . Ukuba usebenzisa i- credit union , imali yakho ikhuselekile nje nje ngokuba yinyunyana yemboleko yemali yesikhokelo esebenzisa i-NCUSIF. Khumbula ukugcina izikali zakho ngaphantsi kwemida (i-$ 250,000 nganye kwi-depositor ngalinye kwiziko) ukunciphisa umngcipheko wakho.
A retirement Akhawunti
Iingxelo ze-Retirement kwiibhanki kunye neemanyano zetyala ziqinisekisiwe njengaye naziphi na ezinye i-akhawunti. I-akhawunti yakho inokudibaniswa xa ukhangela i-250,000 umda wee-akhawunti, ngoko ke ungacingi ukuba i-akhawunti nganye ithatha umda wayo (i-IRA yakho yesiGadi kunye nesicwangciso seSIMPLE sinokudibaniswa, umzekelo).
Ngokuxhomekeke kwindlela ama-akhawunti akho ahlelwe ngayo, unokukwazi ukufumana ngaphezulu kwama-250,000 kwii-bhanki enye, kodwa uya kufuna ukuqinisekisa ukuba nge-FDIC.
IiNgxelo zeNtengo
Ukuba imali yakho ibanjwe ngamafemu angenayo i-FDIC okanye i-NCUSIF, unokukhuselwa. Uninzi lwe-akhawunti yezobalo-mali unikezela nge-Securities Investor Protection Corporation (SIPC). Le nkcazo ikukhusela kuphela ukuba iqumrhu lakho lokurhweba lishiya - alinakukukhusela ekulahlekeni kweemarike (ukuba iziqinisekiso zakho zilahlekelwa lixabiso kwi-market crash, umzekelo) okanye iingcebiso ezimbi.
Iphepha le-SIPC lilungele ukufikelela kuma-$ 500,000 ngohlobo lwe-akhawunti (kuphela i-250,000 yee-akhawunti ezingabanjelwa ngemali). Ukufumana iinkcukacha ezingakumbi, tyelela iwebhusayithi ye-SIPC.
IziCwangciso zoMhlalaphantsi zabasebenzi
Ukuba uninzi, i-asethi yakho enkulu yotyalo-mali isicwangciso sokuthatha umhlala-phantsi somqeshi (njenge-401k okanye 403b isicwangciso). Ukufumana malunga nokukhuselwa kwakho, qalisa ngokujonga ukuba i-akhawunti yakho iyagcinwa yinshurensi ye-FDIC-engenakwenzeka-okanye ifakwe yi-SIPC.
Kuthekani ukuba umqeshi uya kuphazamiseka? Uninzi lwecebo lokuthatha umhlala phantsi awugcinwanga ngumqeshi wakho - bahlala bekholose ngokukhethekileyo ukuba umqeshi akakwazi ukurhoxisa. Nangona kunjalo, ukuba umqeshi wakho uwela kumaxesha anzima, kuyilungileyo ukujonga i-akhawunti yakho: qi ni sekise ukuba akukho zihoxiso ezenziwayo, kwaye ukuba imirhumo yakho ingena kwisicwangciso ngasinye ixesha lokuhlawula.
Ukuba uthatha inxaxheba kwisicwangciso esingenakuqinisekiswa (njenge-457f okanye isicwangciso-hat-top), unokulahlekelwa yimali xa umqeshi wakho ehamba. Ezi zixhobo zibhekwa njengeempahla zomqeshi wakho kwaye zinokufumaneka kubabolekisi.
Kuthiwani ukuba i-401k yakho ilahlekelwa yimali kwi-crash yemarike-ngaba unokuqinisekisa oko? Ngokuqhelekileyo, akukho. Iinqununu ezingama-401k azikho i-FDIC eqinisekisiwe (ezinye iiplani zinika inketho enye okanye ezimbini zotyalo-mali kwisicwangciso esiqinisekisiwe yi-FDIC - kodwa uninzi lwezinto zokutsalwa kwezimali awuqinisekwanga).
Ezinye izicwangciso zomqeshi zinikela ngemveliso evela kwiinkampani zomshuwalense ezinokukunceda ekwehleni kwemakethi, kodwa ungafumani ithemba lakho. Ukhuseleko lwe-inshurensi (ngokuphindaphindiweyo ngendlela yokuhlawula) kwi-balance rate ezingama-401k ayikho into eninzi yabaqeshi. Ezi ziqinisekiso zomelele nje njengenkampani yomshuwalense eyenza isiqinisekiso, ngoko ubala ngamandla enkcazo yile nkampani (akukho ncediso lukaRhulumente wase-US, ngamanye amazwi). Okongeza, ukuba ukhuseleko luza neemali ezongezelelweyo, iindleko kunye nemingcele, ngoko uya kufuna ukufunda ngokucacileyo phambi kokuba uqale ukuyisebenzisa.
Ekugqibeleni, into enokuthi ungayifumana into eqinisekileyo idiphozithi (phantsi kwemida) kwi-akhawunti yebhanki eqinisekisiwe ye-FDIC okanye i-NCUSIF inyunyana yemboleko yesikhorensi. Ukubanjwa kukuba ngaphezu kwexesha elide, ukunyuka kwamaxabiso kunokuchaphazela ukugcina kwakho .