Nhungamiro yeEE Savings Bonds Work
Nyaya Dzokuchengetedza EE dzekuchengetedza dzinoshanda zvakasiyana zvichienderana nokuti iwe une magwaro eE savings kana pepa EE Ees savings bonds.
Electronic Series EE Kuchengetedza Bonds
- Electronic Series EE zvisungo zvekuchengetedza zvinotengeswa pamutengo wekutarisana. Kana iwe uchida kuisa $ 50, iwe uchagamuchira $ 50 electronic Series EE kuchengetwa bond uye zvakakosha kukoshesa zvakakwana kana wakakodzera kubhadharwa.
- Electronic Series EE zvikwereti zvekuchengetedza zvinogona kutengwa nemari ye $ 25 kana kupfuura, "ku penny". Kana uine $ 547.32 iwe unoda kuisa mari, iwe unogona kuzviita, uchiita kuti zvive sarudzo yakanaka kune vashandi vashoma vane mari shoma.
- Purchases of electronic Series EE kuchengetwa zvisungo zvinongogumira kudarika $ 25,000 pagore rekarenda.
- Electronic Series EE zvisungo zvekuchengetedza zvinobudiswa kune imwe sarudzo yakasarudzwa. Iwe haungagamuchiri purogiramu yemapuraneti.
Zvinyorwa Zvinyorwa Chiremba Chinyorwa EE Kuchengetedza Zvikwereti
- Paper Series EE zvisungo zvekuchengetedza zvinotengeswa nehafu yechiso chemaziso; kana iwe ukatenga $ 5,000 maonero ebasa rinokosha, iwe uchabhadhara $ 2 500 mumari nhasi.
- Paper Series EE zvikwereti zvekuchengetedza zvinogona kutengwa muzvitendero zve $ 50, $ 75, $ 100, $ 200, $ 500, $ 1,000, $ 5,000, uye $ 10,000.
- Pane huwandu hwekutengeswa kwe $ 5,000 kutengesa ($ 10 000 uso hwehutano) pagore rekarenda.
Nzira Yokutenga Nheyo EE Kuchengetedza Bonds
Kune nzira ina dzekutsvaga muChitsuwa EE chekuchengetedza .
Chimwe nechimwe chine zvibatsiro zvaro zvichienderana nezvido zvako uye zvinhu.
Maitiro Aunoita Mari Kuzviisa muNhepfenyuro EE Kuchengetedza Bonds
Paunotenga Bhuku reEE rokuchengetedza, uri kukwereta mari kuhurumende yeUnited States. Nguva nenguva, hurumende inoshandura mitemo yekusungirwa kwekuchengetedza, saka sei E Series EE zvisungo zvekushanda zvinoenderana nezvamakatenga.
Maererano neDhipatimendi reMariki, "EE bonds dzakatengwa kana mushure meMeyi 1, 2005, dzinowana mari yakatarwa yekudzoka, ichikuzivisa kuti zvikwereti zvakakosha sei nguva dzose EE zvisungo zvakatengwa pakati paMay 1997 naApril 30, 2005, inobva kune makore mashanu emari yezvokuchengetedza mari yeHaimari uye inowana mari yakasiyana-siyana-yakatarwa yemari yekudzoka. "
Mune mamwe mazwi, Series Series EE yakagadziriswa nehutano zvakare kubvira musi waApril 30, 2005. Mumakore masere asati apfuura, zvisungo zvaive zvakasiyana-siyana mubereko, zvichireva kuti mutengesi haaizoziva mutengo wekuda kwake kusungwa yaizobhadhara nekuti yaizochinja nehuwandu hwekuda mari . Izvi zvinogona kuva zvakanaka munguva dzekuwedzera kwezvinhu , zvakaipa mune dzimwe nguva dzekusimudzira kwehupfumi hwehupfumi uye huwandu hwekubhadhara mari.
Nhepfenyuro EE zvisungo ndezverudzi rwe zero-coupon bond. Uine chibvumirano chetsika, unogona kutenga $ 10 000 uye uwane 5% coupon pagore.
Gore roga rega, unounganidza $ 500 mune zvekuwana mari. MuAmerica, makambani anowanzobhadhara kaviri pagore, saka iwe unogamuchira $ 250 musi waJune 30, uye $ 250 musi waDecember 31.
Apo chisungo chakura, iwe unogamuchira kukosha kwechiso chesungo ($ 10,000). Ne zero chikwata chekubatana, zvakasiyana, hauna kumbogamuchira mari yemari inowanikwa. Pane kudaro, zvisungo izvi zvinobudiswa pakudengenyeka kwakadzama kunotarisana nekukosha uye zvakaverengwa kuti zvibatane kusvika pakuti ivo vanofanirwa kukosha kwechiso chechibvumirano musi wekukura .
Kukura Kwemazuva EEE Savings Bonds
Chinhu chakasiyana neChitsuwa cheEE kuchengetedza ndechekuti zuva rekukura kwezvisungo zvepa pepa rinopesana zvichienderana nenguva iyo bvumo yakabudiswa. Heino chati:
Nyaya Zuva Rekutanga Nguva
Jan 1980 - Oct 1980 = makore 11
Nov 1980 - April 1982 = makore 9
May 1981 - Gumiguru 1982 - makore 8
November 1982 - October 1986 - makore gumi
November 1986 - February 1993 = makore 12
March 1993 - April 1995 = makore 18
May 1995 - May 2003 = makore 17
June 2003 - Iyezvino = makore makumi maviri
Mune mamwe mazwi, kana iwe waizotenga chisungo munaJanuary 1983, chati yacho inokuudza kuti kukura kwako makore gumi; somuenzaniso, kana iwe wakatenga $ 5,000 inotarisana nekodzero yeE Series EE yekuchengetedzwa kwebasa, iwe waizobhadhara $ 2 500 mumari uye makore gumi gare gare (munaJanuary 1993), hutano hwaizofanira kubhadhara chiso chakakwana ($ 5,000).
Iwe haungatongogamuchiri mari mune tsamba, asi panzvimbo iyo, gore roga roga kukosha kwezvawakanga uchikwereta kwaizowedzerwa kuhutano hwako kuitira kuti iwedzere kukosha. Iwe une sarudzo yekuramba uine hutano kusvikira kune mamwe makore makumi maviri, zvichireva kuti zvingazopedzisira zvakakosha zvakanyanya kudarika kukosha kwechiso; $ 20,000 + inogoneka. Iyi pfungwa inovhiringidza vatsva vakawanda vesaimari uye zvakakosha kuti iwe unzwisise.
Kudikanwa Kwakawanda Nyaya EE Kuchengetedza Zvikwereti Pai
Kuti udzidze kuti zvinyorwa zveEE zvakachengetwa sei zvikwereti zvinowanikwa, tarisa Series EE Savings Bond Dhiyabhorosi .
Chirango cheCashing Out of Series EE Kuchengetedza Bonds
Kana iwe ukatengesa mabhesi ako EE ekuchengetera kudzokera kuhurumende mukati memakore mashanu ekutsvaga mari, iwe unorasikirwa nemari inowanikwa iwe yawakakwereta pamwedzi 3 yapfuura. Kana iwe uchidzikinura zvisungo chero nguva mushure memakore mashanu, hapana chirango uye iwe unogamuchira kukosha kwakakwana kwechikwereti chaunokweretwa pazvisungo.
Ndiani Anogona Kuve Nhepfenyuro EE Kuchengetedza Bonds?
Mitemo yekufanirwa kwekutsvaga mari muChitsa EE yekuchengetwa kwezvisungo yakarongedzwa munaMuvhuro 2009 uye yakasiyana zvichienderana nokuti iwe uri kuisa mari mune pepa bhandi kana mabhizimisi ehurumende. Iye zvino, vanhu, makambani, masangano ehurumende, masangano ega ega, masangano, uye fiduciaries vanogona kuva nemapuraneti mapepa. Vanhu, kuvimba mari , masangano, makambani, kubatana, uye masangano akafanana vanogona kuisa TreasuryDirect makambani uye vane mabhizimisi ekuchengetedza magetsi.
Kune zvishoma zvezvimwe zvinotarisirwa zvinotarisirwa kuisa mari muUnited States Series EE kuchengetedza zvisungo. Unofanirwa kuva neNhare yako yeNhare yeNyika uye uve:
- Anogara muUnited States
- Nhengo dzeAmerica dzinogara kunze kwenyika dzichiri nekero reUnited States rerekodhi.
- Mutariri wehurumende weUnited States pasinei nekugara.
- Minor. US Savings Bonds, kusanganisira iyo EE Series Seal bondings, ndiyo chete inodzivirira vana vanogona kuva yavo pachavo.