Ukutyhala ngokuhlakanipha kwi-CD kunokuxhomekeka kwiimeko zakho
Ukuba utyalombela into efana nokuthatha umhlalaphantsi kwiminyaka emininzi, ii-CD ayinakuba yinto ekhethekileyo kukuba ukhethe umngcipheko wokulahlekelwa yimali ngexesha elide.
Imali yokulahleka kwemali
Unokulahlekelwa njani imali kwi-investment ekhuselekileyo njenge-CD? Masithi ucinga i-CD eyi-$ 10,000 ekhula iminyaka emihlanu. Ihlawula iipesenti ezi-3 ngonyaka ngenzala, ngoko iya kuvelisa i-$ 300 eyongezelelweyo ngonyaka. Ngoku ucinga ukuba uhlawula irhafu kwi-25% yepesenti yomrhumo kunye ne-5 pesenti yezinga lephondo. Uya kuhlawulwa i-90 ngonyaka ngonyaka kwiirhafu kwi-CD nomdla ngamnye ngonyaka.
Cinga ukuba ukunyuka kwamaxabiso kuku-3 ekhulwini ngonyaka. Ekupheleni konyaka, kwi-3% yexabiso lokunyuka kwamaxabiso, kuya kufuna i-309 yee-30 ukuthenga i-$ 300 yeempahla kunye neenkonzo. Kodwa emva kweerhafu, i-CD yakho inika i $ 210 kuphela.
Imirhumo kunye nokunyuka kwamaxabiso kunokubangela ukuba ulahlekelwe yimali ngokukhawuleza ngexesha lokutshala imali efana ne-CD ezibonakala zikhuselekile kwaye zikhuselekile.
Izatifikethi zeeDosti kwiNgeniso yeMhlala-phantsi
Ukuba uthatha ixesha lokuyila isicwangciso somhlala-phantsi, kufuneka ukwazi ukuba yeyiphi izinga elincinci lokubuyisela eliya kuludlula kwiminyaka ukuba uya kufezekisa iinjongo zakho zomhlalaphantsi.
Ukuba ufuna kuphela ipesenti ye-4 yepesenti yokubuyisela ukuhlangabezana neenjongo zakho zomhlalaphantsi kwaye unokufumana i-CD ehlawula iipesenti ezi-4 okanye ngaphezulu, i-CD inokusebenza kwaye ibe yintalo-mali.
Kule meko, unokwazi ukudala ilayiti yamaCD evuthiwe kumhla eyahlukileyo ekhokelela ekuhlaleni umhlalaphantsi wakho.
Oku kunokubambisana nokuhla kwezinga lentengo, kwaye ukuba iiCD aziphumelelanga izinga lokubuyisela kufuneka ufezekise iinjongo zakho, uya kuba nezisombululo ezimbalwa. Unokubuyisela kwezinye izithuthi zomhlalaphantsi njengoko i-CD nganye iphelelwa yisikhathi, ukhetho olunokufikelela kumgangatho ophezulu wokubuyela. Okanye unokwenza isigqibo sokusebenza ixesha elide okanye ufumane indlela yokunciphisa iindleko zokuphila ukuze ukwazi ukufezekisa iinjongo zakho kwiimbuyekezo ezifumaneka ngamaCD yakho.
Iirhafu zeCD zihlala ziguquka. Njengokuba isantya senzalo sitshintsha kwaye njengoko iinjongo zakho ziguquka, qiniseka ukuba uphinde uhlalutye ukhetho lwakho lokutshala imali. Kubalulekile ukugcina intathelo ngeyathelo kunye noqoqosho.
Abaviwa abaPhezulu beZatifikethi zeDisposithi
Ngokuqhelekileyo, ii-CD zizaliswa kakuhle xa u:
- Kukhokhwa lorhafu oluphantsi
- Awufuni nengozi yokutyalomali
- Yiba nenjongo ephambili yokugcina imali
- Unomsebenzi othile kwingqondo ngemali ngexesha elizayo elifana nomhla wokukhula kweCD
- Ungayifakela kwisantya sokubuyela phezulu ngaphezu kokunyuka kwamaxabiso kwixesha elifunekayo.
Umzekelo, ukuba unesibhanki seerhafu esingaphantsi, awuyidingi imali kwiminyaka eyi-10, unako ukuthenga i-CD yeminyaka eyi-10 ehlawula iipesenti ezi-5, kwaye ulindele ukuba ukunyuka kwamaxabiso kube ngama-3 ekhulwini, oku kuya kuba ngumtyalo otyalo.
Ukuba usesikhwameni esiphezulu serhafu, qwa lasela i-tax-free or alternative free tax to CDs efana neBonds, i-annuities echanekileyo, iibhanki ze-short-term okanye i-bond bond, okanye iibhanki zikamasipala ezifutshane okanye ezifutshane.
Abaviwa abaPhezulu kakhulu kwiiSatifikethi seDisposithi
Ii-CD zityalo-mali olubi xa wena:
- Ngaba ulahlekelwa yimali emva kokuba uhlawule intela kunye nokunyuka kwamaxabiso
- Yiba nenjongo ephambili yokutyalomali yokukhula okanye ingeniso.
Ii-CD zingaba utyalo-mali olulungileyo ngenjongo yengeniso kwizinga eliphezulu lomyinge.
Iimpawu ezixhumeneyo kunye neMpawu-ezixhaseneyo zeeDosti
Ukuba ufuna ukukhuselwa, tyalela ukhuseleko. Ukuba ufuna ukukhula, batyale ukukhula. Ngokulingana kweCD, unokufumana ukhuseleko lwenqununu yakho, kuxhomekeke kwimimiselo yeCD, ngelixa unako ukukwazi ukuthatha inxaxheba kwimbuyekezo ephezulu xa i-market market isenza kakuhle. Kodwa khumbula ukuba i-FDIC icebisa ukuba uyayilumkisa xa utyalomali kwiCDs ezihlangeneyo.