CDs ine chido chekuda zviri nani kudarika mari yekuchengetedza
Kuongororwa kwekambani yacho kuchakupa dzimwe pfungwa dzokuti ndeyepi mari yako. Nokuti zviri nani zvakanakisisa zvinoita, iwe unogona kunge uchida kutsvaga zvishoma nekushandisa mazano emari ekutsvaga CD, asi kuita izvi kunoda kuti uzive zvigadziriro zvekutengesa CD .
Kune vatsva vekubhadhara mari, funga nezveCD seyo huru yekuchengetera mari. Izvo zvinozivikanwa sezvivhoti zvekugovera, CDs dzinoda kuti iwe uise pachese yako mari yehuwandu hwenguva. Zvinogona kuva mwedzi mitanhatu, gore kana mwedzi 18. Ichokwadi, izwi rokuti urefu hwemamwe CDs makore mashanu. Munguva iyi, zvakadaro, unobvumirana kusabata mari yako.
Izvozvo zvinoreva kuti haugone kuitora paunenge uchida nekero yekuchengetedza. Kana iwe uchidaro, chirango chichaongororwa. Zvisinei, kana iwe une chikonzero chakasimba chekutenda iwe unogona kuita pasina mari yako kwenguva yakati, CD inogona kukushandira zvakanaka uye inokubhadhara zvakanyanya kufarira kudarika mari dzakawanda dzekuchengeta dzinogona.
CDs chero nguva yakareba yakareba yakawanda inopfuura 0.50 muzana APY mumakore achangopfuura. Iyo yakareba CD inoreva urefu, zvisinei, iyo inowedzera chikamu chechido kazhinji. Pasi pane mimwe mienzaniso yemari yezvemari inopa kukwikwidzana kweCD interest rates, yakaputsika nehutano hwakareba urefu.
Kutungamira 6 Mwedzi CD Nhamba dzeMari
- 0.55% APY - Barclays
- 0.40% APY - Capital One 360
Kutungamira 12 Mwedzi CD Inofanirwa Mutengo
- 0.95% APY - Ally Bank
- 0.80% APY - Barclays
Kutungamira 18 Mwedzi CD Nhamba Dzakanaka
- 1.17% APY - Everbank
- 1.15% APY - BBVA Compass
Kuti iiswe pane CD inotora chikwata chenhamba, mabanki anofanira kunge ari FDIC akachengetwa.
CD inowanikwa nehuwandu inofanirwa kuve inofanirwa kuve yakakodzera yezvinyorwa zve $ 1 000. Mari inotsanangurwa iri mu APY. Kana usina chokwadi nezvekuti APY inoshanda sei , verenga kuti unzwisise zviri nani iyi purogiramu uye kuwirirana kwayo kuti CD yako ingagone sei.
Kutsvaga Zviri nani MaCD
Cherechedza kuti iwe unogona kukwanisa kuwana zviri nani kudhadhara mutengo weCD kana ukaona zvakaoma. Brokered CD chido chekuda zvingave zviri nani. Saizvozvowo, unogona kutarisa kuti uone kuti ivo vanobhengetedza mari varipi vari kutaura nezvazvo. Vanowanzowana maitiro makuru, uye iwe uchawana mamwe maCD ekuda mari ayo anoshanda chete pamabhadharo emadhora akawanda. ConsumerSearch inotarisa mabhengi emabhengi nekuunganidza kuongorora kubva kune zvakasiyana-siyana.
Kana uine mari yakawanda yekuisa pane iyo FDIC ichachengetedza, funga kuparadzira mari iyo pakati pemabhangi akasiyana kana kushandisa basa rakadai seCDARS. Verenga kumusoro kuti unzwisise zviri nani iyo FDIC yunivhesiti inoshanda neCDARS - CD Protection Above FDIC Limits .
Uye, yeuka, iyi chikwangwani chakagadzirirwa kukuzivisa iwe kukwikwidzana kwemazana mumusika. Iko CD inotorwa nehuwandu inotsanangurwa inogona kuchinja nenguva iyo iwe unokwanisa kuzarura account.