Maitiro Okushandisa CD Investments
Basics of CDs
CD ine mufananidzo wekambani inowanika pabhangi yako kana chikwereti chekunyora.
Kufanana nekambani yekuchengeta mari, iwe unowana chikwereti pamari yaunoisa. CD dzinowanzobhadhara iwe kupfuura mamwe mabhengi ebhangi, asi pane kubata: iwe unofanira kusiya mari yako munyaya yacho kwenguva yakareba. Semuenzaniso, mwedzi mitanhatu yeCD inonzi yakasara yoga kwemwedzi mitanhatu.
CDs inowanikwa nenzira dzakasiyana-siyana kubva pamwedzi mitanhatu kusvika kumashanu. MaCD akawanda kwenguva refu anowanzobhadhara kupfuura maCD mashoma (nokuti kuzvipira kwako kukuru), asi pane zvimwe. Mamwe maCD anogadzirisawo chikwereti chaunofarira chaunowana pane nguva. Kana iwe ukakanda mari yako kubva muDCD isati yakura (usati watanga nguva yakatarwa inopfuurira), iwe unofanira kubhadhara kutanga kutora chirango .
Kuti uwane hurukuro yakakwana, ona Ma CDs Akubatsira sei Kuwana Zvakawanda .
Ndeupi rudzi rweInvestment CD?
CDs inotengeswa zvakachengeteka . Izvo zvakanakisisa kune mamiriro ezvinhu apo iwe usingadi kuisa pangozi yekurasa mari yako. Somuenzaniso, iwe unogona kunge uchigadzirira kutenga imba itsva mumakore maviri kana matatu, uye iwe uri kuvaka kubhadhara .
Iwe haufaniri kushandisa mari iri mune ramangwana, nekudaro uchidzivhara kuitira kuti chikwata chapamusoro chiwedzere chinonzwisisika.
Nokuda kwezvinangwa zvenguva refu, kufanana nemubhadharo uyo unopfuura makore makumi maviri kubva ipapo, ma CD angangodaro kana kuti angave asina kunaka. Zvakakosha kushandisa nguva nemunhu wekugadzirisa mari yemunharaunda kuti akurukure zvinangwa zvako zvekugara kwenguva refu uye zvose zvesarudzo zvinowanikwa kwauri.
Zvechokwadi, mari yako yakachengeteka chete kana iri FDIC inotsigirwa , kana yakavharwa pasi peNCUSIF inshuwarisi kana ukashandisa chikwereti chebato .
Nzira Yokushandisa Sei muCD
Kuti utenge CD, rega bhengi rako rizive CD yaunoda (mwedzi mitanhatu kana mwedzi 18 yemwedzi, somuenzaniso) uye mari yakawanda yekuisa mairi. Dzimwe mabhengi ane zvishoma ($ 1 000 kana zvakadaro) apo vamwe vanokurega iwe kutanga zviduku sezvaunoda. CDs dzinogona kuiswa mumhepo, kunyanya paIndaneti-mabhanga chete .
Kana CD yako ichikura , uchagamuchira chiziviso chinotsanangura zvaunogona kuita. Muzviitiko zvakawanda, unogona
- Rega CD ivandudze (mune imwe CD iyo yakareba nguva yakareba)
- Tenga CD yakasiyana (kushandura kubva pamwedzi mitanhatu kusvika kune imwe yemakore CD, somuenzaniso)
- Shandisa mari kune chekuongorora kana kuti kuchengeta kambani
- Bvisa mari
Zvakanakisisa kuongorora zvikonzero zvako zvekushandisa CD uye kuita sarudzo pamusoro pezvinoitika nemari - usangozvirega zvigadzirise nguva dzose. Ona Zvaungaita Kana CD yako Mazi .
Kana iwe uine hanya nekuvhara mari yako, iwe unogona kutanga ne CDs , iyo inokubvumira kubvisa zvimwe kana mari yako yose usati wakura pasina kupiwa mhosva. Vanowanzobhadhara zvishoma kudarika maCD, asi vanogona kukubatsira kuti uwane manzwiro ekuti CD dzinoshanda sei.
Investment Strategies
Vanhu vazhinji vanongosarudza CD zvichienderana nekureba kwenguva yavanosarudza, vachitarisa kuwanda kwezvikwereti uye nguva yavanogona kuvhara mari yavo.
Hapana chakakanganisika nenzira iyoyo - iwe uchawedzera mari yako yepamusoro pamusoro pezvaunogona kuwana munyaya yekuchengetedza, uye chirongwa chisinganzwisisiki kakawanda ndicho chinonyanya kuoma.
Zvisinei, kana iwe uchida kuwedzera mafaira ekutengesa CD, pane nzira dzakawanda dzekutarisira maCD. Izvozvo zvinorondedzerwa muchidimbu pasi apa, uye nezvinyorwa zvepaji peji redu nezvemazano ekutsvaga maCD .
Kudheta inzira yekutenga maCD akawanda nemazuva akasiyana-siyana - kubva munguva pfupi kusvika kwenguva refu. Izvi zvinokubatsira kuchengetedza mari iripo uye usadzima kutenga mari yako yose apo chido chekufarira chiri pane chakanyanya kunaka. Verenga zvakawanda nezvekugadzira CD yepamusoro .
Nzira yebhodhi inokubvumira kuti mari yako yese iwanikwe apo "chinangwa" chako chinosvika. Iwe uchawana zvakawanda kupfuura zvaunogona kuwana mumari, uye iwe uchakwanisa kunyora cheki chikuru apo zvinodiwa.
Nzira yekubatanidza inobatanidza kumafupi uye kwenguva refu maCD (paanenge achidarika midhi-mideki CDs). Kana huwandu hwemashoko ehuwandu hwemari husingafadzi, iwe unogona kungoerekana wakadzika.
Investment Managers
Kana iwe usingadi kutora makoti ako eCD iwe pachako, unogona kugara uchibhadharira munhu kuti akuite iwe. Zvechokwadi, zvakakosha kuziva uyo uri kutarisana naye uye kudzivisa matambudziko uye Ponzi zvirongwa. Kana iwe ukakwereta mumwe munhu, angashandisa mabhadhi akaparadzana , ayo akasiyana zvakasiyana neAll vanilla CDs mubhengi rako rebhangi.
Iva nechokwadi chekubvunza mibvunzo inotevera yemumwe mutariri wekutsvaga:
- Mari yangu inobhadharwa nehurumende yeUnited States here?
- Ndirini pandichawana mari yangu zvakare?
- Kutanga kuregera kunobvira, uye chii chiri chirango?
- Ndingawana mari yakawanda sei, uye iyi iyi inofanirwa here?
- Inharaunda inofarira yakambochinja here?
Money Market Accounts
CD haisiyo chete mari yakachengeteka mubhangi rako. Mariko yemari yemari inobhadharawo mari yakawanda kupfuura mari dzekuchengetedza, asi dzinopa kuchinja kune maCDs: iwe unowanzowana kadhi kana chebhanhire raunogona kushandisa kushandisa kubva kubhuku. Zvisinei, kubvisa (kana kupedza) kunogona kugoverwa katatu pamwedzi. Dzidza zvakawanda pamusoro pemari yemari yemari .