01 Iingxelo ze-Bank Savings
Ziziphi iinzuzo?
Inzuzo enkulu ye-akhawunti yokulondoloza yokhuseleko lwemali yakho. Zonke i-akhawunti yokugcina ifunyenwe yi-Federal Deposit Insurance Corporation (FDIC) oza kuqinisekisa idizithi zakho ukuya kuma-250,000 kwi-akhawunti nganye. Ukuba ibhanki ihlulekile kwaye ayikwazi ukukunika ngemali yakho, i-FDIC iya kwenza amalungiselelo okubuyisela imali yakho.
Enye inzuzo enhle yale akhawunti ikwazi ukulungelelanisa nokufikelela lula kwimali yakho. Unokubeka rhoqo kwixabiso elincinci okanye elikhulu kwaye ususe imali yakho xa ufuna. Iingxelo zokulondolozwa kweBhanki zilungelelaniso lweengxowa-mali eziphuthumayo kwiziganeko zobomi ezingalindelekanga ezifana nokulahlekelwa ngumsebenzi okanye ukugula okude.
Ziziphi iingxaki?
Ukuba uvile ilizwi elithi, "Akukho mngcipheko, akukho mvuzo" ngoko uyaqonda ukuba ungekho mngcipheko wokulahlekelwa imali oku kuthetha ukuba uya kufumana inzala encinci (okanye irente) ngemali yakho. Iirhafu zomdla ezitholwa kwi-british savings cishe ziphantsi kwexabiso lokunyuka kwamaxabiso.
Inzala oyifumanayo kwi-akhawunti yokulondoloza iya kuba phantsi kwentela yengeniso, nayo. (Ngaphandle kokuba i-akhawunti yakho yokulondoloza i-Akhawunti yoMhlala-phantsi ye-Individual Retirement Account (IRA); ke inzala iyakwandisa kwaye ihlawulwa kuphela xa uhoxisa imali kumhlalaphantsi.)
IiSatifikethi se-02 seDistim (iiCD)
Ziziphi iinzuzo?
Njengeengxelo zokulondoloza ibhanki, i-FDIC iqinisekisa ukuya kuma-250,000 e-issuer nganye, nge-akhawunti. Unakho ukufumana iiCD ezikhishwe ngamabhanki athile ahlukeneyo kwaye uzibambe kwiakhawunti ezahlukeneyo ukuqinisekisa ukuba ngaphezu kwama-250,000 i-insured.
Ulwahluko olukhulu kunye neCD xa kuthelekiswa neakhawunti yokulondoloza ibhanki kukuba ii-CD ziya kuhlawula ixabiso lentengo ephezulu. Izinga eliphezulu liyakuhlawulela ngokuvuma ukushiya imali yakho apho kude kube ngumhla wokukhula, apho ibhanki ibuyisela imali yakho kunye nomdla. Ukuba inani lesigqithiso liwile ngeli xesha lokubamba, mhlawumbi ufumana inqanaba elihle lokubuyisela kunokuba wawufumene kwi-akhawunti yokulondoloza ibhanki okanye kwimarike yemali.
Ii-CD zikhutshwa kwiibhanki ezininzi kwaye zingathengwa okanye zithengiswe ngqo kwi-bhanki okanye ngeenkampani zokurhweba njengeSwawa okanye iVanguard. Xa uthengela i-CD, unokukhetha abo baqolileyo kufuphi nomhla apho ucinga ukuba uya kuyidinga imali yakho.
Ziziphi iingxaki?
Ukuba ufuna imali yakho ngasiphi na ixesha, i-CD ayinakukuphelela. Ukuba kufuneka uthengise i-CD ngaphambi kokuba ukhule, unokufumana ngaphantsi kwezinto ozifakayo. Kukulungele ukucwangcisa phambili kwaye ulungelelanise ukukhula kweCD yakho ngemihla apho ucinga ukuba uya kuyidinga. Ngokomzekelo, ukuba uhlala uhlawula irhafu ngo-Apreli okanye uthathe ikhefu intsapho ngoDisemba ngoko ukuba ii CD ziqokelele ngezo zihlandlo zingenangqiqo kuwe.
Qaphela ukuba uqaphele nayiphi na into ekhethekileyo yeCD ngaphambi kokuthenga. Amanye amaCD "athoba" athetha ukuba anokuhlawula ngokukhawuleza ukuba ufuna. Ii-CD ezinokuxhamla zixhamla ibhanki ukuba ixabiso lentengo lihla. Kwimeko apho, i-bhanki iya kubiza kuma CD-callable - uza kuwubuyisela imali yakho, kodwa ngoku ubambe imali efuneka ibuyiswe kwakhona kwizinga elincinci lenzalo. Inzuzo ebhankini kuba iyakwazi ukukhupha iiCD ezihlawula ixabiso eliphantsi.
Ii-CD ezichithwayo ziza kuhlawula umrhumo ophezulu ngenxa yokuba awuqinisekanga ukuba ufumana umyinge wenzala kude kube ngumhla wokukhula. Nge-CD engabonakaliyo uyazi ukuba uya kufumana isixa-mali esibonakalisiweyo somnxeba nje ngokuba ubamba iCD ukuba ukhule.
03 Uvimba-mali wase-US ukhishwe kwiiNdawo zokuThengisa
Ziziphi iinzuzo?
Masibe nombono ngomzuzwana, urhulumente waseUnited States unokuthiwa "ukholo olupheleleyo kunye nekhredithi" ngenxa yokukwazi ukubuyisela abo batyalo-mali bezitifiketi ezikhutshiwe, kwaye unembali engamakhulu amabini kunye nomnyaka wokwenza njalo. Unokwenza oku ngokuthengisa izinto ezininzi, ukuqokelela irhafu, okanye ukushicilela imali emininzi. Uqoqosho lwase-United States lukhulu ngokwaneleyo ukuba amanye amazwe aya kutyalomali kwiimali zobungakanani zase-US kuba ixabiso le dola likhuphuka kwaye lihla ngendlela eqondakalayo.
Ngenxa yokuba abantu bafuna ukufumana ezi ntlobo zotyalo-mali kwizinga eliphezulu lokukhuseleko, kukho ukuthengiswa kwemarike yakho kurhulumente we-US. Kuthetha ukuba ukuba awukwazi ukubambalela kude kube ngumhla wokukhula ochaziweyo, uya kufumana ixabiso lemarike elifanelekileyo xa uthengisa.
Kukho iintlobo ezininzi zotyalo-mali ezikhoyo, ezivela kwiibhili, amanqaku, izibophelelo, izibophelelo zokulondolozwa kwe-US, kunye nokugcinwa kweemali ezikhuselekileyo. Olunye utyalo-mali luhlawula umdla okwangoku, abanye abathengayo kwisaphulelo kwaye ufumane ukubuyela kwakho ekuvuneni. Kubantu abangenayo imfuno yentlawulo ngoku, bangakhetha ukhetho lwe-coupon.
Inzala kwimali yokubambisa i-treasury isingxoxwa kwerhafu yengeniso karhulumente kunye neyekhaya kodwa iyaxhomekeka kwintlawulo yerhafu ye-federal.
Ziziphi iingxaki?
Mhlawumbi inqaku elilodwa kuphela kwii-securities ezikhutshiweyo zikarhulumente yi-return back on investment. Ukhuseleko lufika kwixabiso. Ngokungafani neCD okanye i-akhawunti yebhanki apho ezi nkampani zikhuphisana ukuze zifumane imali yakho, urhulumente wase-US akasayi kuqhuba "amaxabiso e-teaser" okanye ahlinzeke ngezixhobo zokuzikhethela zamahhala zokuvula i-akhawunti entsha.
Ukunyuka kwamaxabiso okunyuka okanye ukunyuka kwamaxabiso okunyuka kweemeko kuthintela kwiintlobo ezahlukeneyo zeebhondi. Ngokuxhomekeke kwintlobo yeburhulumenteni karhulumente enayo xa uthengisa ngaphambi kokuba ukhule, ungabuya ngaphantsi kwexabiso eliyimali oyitshalileyo.
04 Iimali zeeMali zeMarike
Ziziphi iinzuzo?
Inzuzo eyinqobo yesikhwama semarike yemali ngulawulo olusebenzayo lwentlalo-mali. Inkampani yenkampani yokuxhaswa ngemali ineengcali zophando, abahlalutyi kunye nabathengisi abalawula imali enkulu yeefomali-mali-mali kunye nenjongo yokwenza ngcono kunokuba iNondyebo izithengisa ntoni ngexesha elifanayo. Beka le engqondweni; sithetha malunga nokuncinci kakhulu okubuyayo.
Ngenxa yexesha elifutshane lemfuno yenkxaso, abatyali-mali ngokubanzi banako ukubeka imali okanye bathathe imali naliphi na ixesha. Nangona kunjalo, iimali zemarike zemali zinexabiso elincinci okanye i-liquidity limited - oku kuvumela i-fund ukuba isebenzise ngakumbi imali yomtyalo-mali, ngoko ke imali ngemali esezantsi okanye i-liquidity limited ihlawula isivuno esiphezulu.
Ziziphi iingxaki?
Umxholo oqhelekileyo kunye notyalo-mali olukhuselekileyo ukungakwazi ukukhuphisana namaxabiso okunyuka kwamaxabiso emide. Nangona imali yemarike yemali ijolise ukugcina ubunani obuzinzileyo be-1.00 ngeesabelo ngasinye, akuqinisekanga.
Xa ixabiso lentengo liphantsi, kunzima kakhulu kwingxowa-mali yemarike yemali ukuvelisa isivuno esingcono saloo batyalo-mali. Kubangelwa ikakhulu ngenxa yeendleko zokusebenzisa le mali. Kukho imimiselo esandula kutshanje e-US apho izivuno zazikho .01% kunye nabanye "baqhekeza ibhakede" oku kuthetha ukuba intengo yesabelo ihambe ngaphantsi kwe $ 1.00; ilahleko ezinjalo zagqitywa kubalimi-mali.
Ngokubhekiselele kwinqabiseko, impendulo engundoqo ayikho isiqinisekiso "sokholo olupheleleyo kunye nekhredithi" kaRhulumente wase-US okanye i-FDIC. Kunoko, i-akhawunti iya kuba negalelo nge-Securities Investor Corporation (SIPC) ukuya kuma-250,000 umda wemali. Le nkcazo iyahluke kwi-FDIC kuba ifihla imali yakho ukuba iqumrhu le-brokerage liphuma kwishishini - kodwa aliqinisekisi ukuba lixabiso lentyalo-mali yakho ekulahlekeni kwemarike.
05 eziThuthiweyo
Ziziphi iinzuzo?
Ukutsalwa kweefomali kubanini bemali kwisitishi sokubuyela. Uyazi oko uza kufumana kwaye xa uza kuyifumana. Oku kungafana neCD, kodwa ihluke. Isilinganiso sakho singcono kangcono kuneCD, kodwa kuxhomekeke kwiimali zeenkampani zomshuwalense ezikhupha imali.
Njengoko ama-annuity akhutshwe ngamashishini e-inshurensi, ahlolwe nguMkomishinala we-Intshuwalense kaRhulumente kwaye kufuneka ukuba agcine ii-akhawunti ezinkulu zokugcina.
Ngenxa yokuba iinkampani ze-inshorensi zilawulwa yimimiselo kaRhulumente, ukuba inkampani ye-inshorensi iya kuphazamiseka, u-Rhulumente uza kuhamba kunye nenkxaso yabo kunye nemali yokuqinisekisa ukulungisa amaphepha ngamanqanaba avumelekileyo. Unokufumana ulwazi oluthe xaxa kwi-website yeNational Health of Life and Health Health Insurance website kwaye nqakraza kumbutho welizwe lakho.
Ziziphi iingxaki?
Okwangoku, kufuneka uqaphele ukukhathazeka okuqhubekayo nokutyalomali-olukhutshwayo aluyi kuqhubeka nexabiso lentengo. Ukubuyiswa okuqinisekileyo nokukhuselekileyo kwiindawo zakho zokutshala imali yomhlala-phantsi ngumqondo olungileyo, kodwa gcinani engqondweni kukho izigwebo kunye neerhafu eziphezulu ukufumana imali yakho kwi-annuity early.