Iisiseko zeCDs Brokered
IiCD CD, njengoko igama libonisa, ziyaqhekeka. Oku kuthetha ukuba umntu (umcebisi wakho wezezimali ngomzekelo) uhlola i-marketplace ukuze athole amaxabiso angcono ama-CD atholakalayo. Njengamanye amaCD , uyavuma ukugcina imali yakho ifakwe kwisithuba esithile, kwaye ibhanki iyavuma ukuhlawula inani elithile lomdla.
Iimpawu eziyingqayizivele zeCD Brokered
Uza kufumana izinto ezimbalwa ezikhethekileyo ukuhlula iiCD. Okokuqala, uvula ukhetho lwakho lotyalo-mali kummandla obanzi weebhanki. Qhathanisa oku ngeemeko apho uhamba khona ebhanki uze ubuze malunga namaCD - bahambisa ii-CD zabo kuphela. Ukuba usebenzisa iiCDs eziqhekekileyo, uya kuvela kwiiCD ezivela kwiindawo ezahlukeneyo. Ngamanye amaxesha le nto inokusebenza kakuhle ukuba iibhanki zasekuhlaleni zizama ukungathathi iifomethi ezingaphezulu kwaye ke zigcina ixabiso elincinane.
Ngokuqinisekileyo uthengisa kwaye uthengisa iiCDs eziqhekekileyo zinjengezinye iimali-mali ezingenayo imali. Kukho ukubonelelwa okulinganiselwe, kwaye kunokubakho ubuncinane obufunekayo bukhulu (njengama-$ 10,000). Ungakwazi ukurhweba iiCDs kwimarike yesekondari - nangona akukho mqulu omkhulu.
Kuphi Ukufumana iiCDs ezidibeneyo
Abacebisi bezemali , abadayisi, abacwangcisi bemali kunye nabacebisi ngezezimali banganikela iiCDs.
Ukubeka nje, nayiphi na umntu onokuyithengela ukufumana i-securities mhlawumbi unokufumana iCD ephukileyo. Buza umcebisi wakho wezezimali ukuba ufuna ukujonga kwiCDs ezahlukileyo.
Iindleko ezidibaniswe neeCD CD
Ngokuqhelekileyo "iindleko" zakho ziphuma kwi- Annual Percentage Yield (APY) oyifumanayo kwimali yakho. Oku kufana nebhanka - ibhanki ayinakukuhlawula imali ukuba utyalomali kwi-CD.
Nangona kunjalo, ibhanki inokuhlawula ngaphezulu okanye ngaphantsi kuxhomekeke kwiinkxalabo zokuzuza. Kuyafana ne-CDs ehlukileyo - i-APY yakho kuxhomekeke ekubeni ingaba ngabaphi na abaphathi abafuna ukufumana kwi-deal.
Abanye abaphathi (njengomthengisi wakho okanye umcebisi wezemali) unokukuhlawula imali ephantsi yokuthenga iiCDs ezahlukileyo. Oku kungaba yintlawulo yetikiti ukuba kufuneka bahlawule ngokubeka umyalelo wakho, kwaye mhlawumbi iya kuba ngumrhumo ophantsi okanye umrhumo ngeedola ezili-mali.
Ekugqibeleni, unokuhlawula imali phantsi kwelinye ilungiselelo, mhlawumbi ngokusekelwe kwizinto eziphathekayo-ngaphantsi kwelawulo (okanye imali yokucwangcisa imali). Mhlawumbi ixabiso lifanelekile kuwe ngoba i-CD broker yenza yonke inqanaba lakho lokuthenga, uphando, kunye nokuvuselela.
Iingozi ezinxulumene neCDs Brokered
Umngcipheko omkhulu we-CDs ophulekileyo ngumngcipheko wemarike. Le mngcipheko wokuba uthengise i-CD yakho kwimarike yesibini ngaphantsi kokuhlawulwa kwakho. Ngokufanelekileyo, uya kugcina ii-CD zakho kude ukhule kwaye ukhuphe umngcipheko. Nangona kunjalo, ubomi abuqinisekanga kwaye maxa wambi sifuna utshintsho lwezicwangciso. IiCD ziyakwenza njengezibophelelo-ukuba ixabiso lentengo likhuphuka, abathengi kwimarike yesibini bangafuni ukuhlawula ixabiso elijongene nani ukukunceda ukuba uphume.
Omnye umngcipheko we-CDs owaphulwa ngumngcipheko wokuba ulahlekelwe yimali yakho.
Kufuneka uqinisekise ukuba nayiphina ibhanki ekhuphayo iphephile kwaye i-FDIC-inikwe inshorensi. Unokufumana amazinga e-CD adonayo aphakamileyo kakhulu kunokhuphiswano, kodwa i-tradeoff kukuba kufuneka ucinge ingozi enkulu. Kwabaninzi abathengi bamaCD, le ngcamango kukugwema umngcipheko. Qinisekisa ukuba uqaphele ukuba yeyiphi iibhanki oqhuba ishishini. Kukho ininzi yezinto ezilungileyo ngaphandle apho zifuna ibhizinisi lakho; kufuneka uyenze umsebenzi wesikolo.