Uqwalaselo olukhawulezileyo lweeAkhawunti zeMali zeMarike zisebenza
IAkhawunti yeMarike yeMali
Uhlobo lwe-FDIC ye-insured evulekileyo ebhankini.
Kwakuqala ukuveliswa emashumi eminyaka edlulileyo ukuvumela ibhanki ukuba ikhuphisane nemveliso yezemali ephuma kwiWall Street kwaye isebenza njengenye indlela izatifikethi zediphozi ngokubonelela ngexabiso elongezelelweyo. Uninzi lwexesha, uya kuvunyelwa inani elimiselweyo lokuhoxiswa ngenyanga okanye kwikota. Ngokuqhelekileyo, abathengi abafaka i-$ 100,000 okanye ngaphezulu baya kufumana izivuno eziphezulu.
Imali yeMali yeMali yeMali
Kwakhona kuthiwa yimali yemarike yemali , ezi ziyimali ezihlangeneyo ezifuna ukugcina ixabiso lexabiso lempahla yesabelo ngasinye kwi-1.00. I-fund ifaka imali kwizinto ezifana ne-US Treasury bills okanye ezinye izibambiso ezifumanekileyo. Zihlala zihlanganiswa ngamaqumrhu olawulo lwee-asethi ezinikezela nge- stockbrokers nakwamanye amaziko emali. Imali yemarike yemarike ingabandakanyeka kwiintlobo ezithile zeempahla, njengokuthenga kuphela izibophelelo zikamasipala ezivela kwimeko ethile ukuze abahlali belo phondo bafumane umvuzo ngenzuzo ngaphandle kokuhlawula irhafu yeRhafu okanye irhafu.
Akuqhelekanga ukuba kufumaneke kwiimali zeemarike zemali, ezongezelelekileyo eziphakamileyo, ezifuna ukufumana imali encinci ye-$ 1,000,000 okanye ngaphezulu.
Ukususela kumbono onobugcisa, i-akhawunti yemarike yemali ikhuselekile njengoko ibhalansi, kuze kube semkhawulweni, ixhaswa nguRhulumente wase-United States, ukuba unomthengi webhanki eqinisekisiwe.
Kunokwenzeka ukuba inkokhelo yemali yemarike yemali iwele phantsi kwe-1.00 yexabiso lentengo yexabiso, okanye "iphule ibhakede" njengoko yaziwa. Phantse kuzo zonke iimeko, umphathi wezikhwama ungene kwaye wabuyisela imali esikhwameni sayo ukuze kugcinwe abatshali-mali ukuba bathuthumele kodwa akukho mbopheleleko wokwenza oku. Kukho iingozi, ezinqabileyo njengoko zikhona; ingozi yokuba wena, njengomtyalomali, kufuneka ufunde phambi kokupaka imali yakho. Ngokwenene, abatshali-mali abambalwa bayakuqwalasela oku kwahlukileyo (kakhulu kwesoyiko xa loo nto ineminyaka engama-50 ibe yenzeke). Zomibini ziqhelekileyo zisetyenziselwa ukugcina izinto ezifana nokuhlawula imali ngokukhuselekileyo kude kube yinto efunekayo .
Ukuba ufuna ezinye iindlela ezifana nalezi zilinganiso zemali, unokuqwalasela yonke into esuka kwii-bond-bond bond-short-term to a plain savings accounts . Ngaphandle koko, amaninzi eempahla ezifanelekileyo zolawulo lokugcina imali ziya kulungelelanisa le ntlawulo.
Ukuvelisa kwiimali zeemarike zemali kunye nemali yemarike yemali ingahluka ngokusuka kwiziko ukuya kwiziko ukwenzela ukuba lihlawulele ukuthenga xa ukhangele ukupaka imali. Ngamanye amaxesha, iibhanki kwi-intanethi okanye abadayisi baya kuqhuba iindawo zokukhangela iifomethi ezintsha.