Kufambisa Nzvimbo Dzakanyanya Kuwedzerwa kweApt Bank
Savings
Nhoroondo dzekuchengetedza inowanzova yekutanga yebhishopu yebhangi yakabatwa nevatengi. Vana vanogona kuzarura kambani nemubereki kutanga nzira yekuponesa. Vechidiki vanovhura nhoroondo kumisa mari yakawanikwa kubva kune rimwe basa kana mabasa epamba.
Vakawanda veAmerica vanoshandisa kambani yekuchengetedza pakisa mari inoshandiswa . Kuzarura kambani yekuchengetedza inoshanda zvakare senzira yekugadzira ukama hwekushanda pamwe nedare rezvemari.
Zvakanaka Kwazvo: Yenyu yekutanga yebhangi , vana, vanhu vakuru vanoda nzvimbo yekuchengetedza mari kana mari yakawedzerwa.
Zvinyorwa: Maakaji ekuchengetedza kazhinji anounza chidimbu chechikwereti chakaderera pakuenzanisa nemari yemari yemakambani uye maCD. Kazhinji, havatauri nekadhi yebhadharo yekutenga , uye nhamba yekubvisa mari pamwedzi inogumira.
- Dyesa gwaro rako rekuchengetedza neurongwa hwekuchengetedza kwekutsvaga
Checking
Kuchengeta maakaiti kunopa mukoti ane nheyo yepamusoro kuti aise cheki , aite zvekutora, uye achibhadhara zvikwereti. Bhuku rinoongorora, kunyange zvishoma nezvishoma richirasikirwa mukurumbira, rinobudiswa kubva kuongororwa maakaunti. Munguva pfupi yapfuura, kadi yebhadhiro (kana chechecheti) yakatora sepokutanga kubhadhara kubva pakuongorora maakaunti . Mazhinji mabhangi iye zvino anopa kuInternet kubhadharwa mabasa kuburikidza nekuongorora mabhuku, zvichibatsira kururamisa mari.
Zvakanaka Kwazvo: Munhu wose anoda nzvimbo yekuisa mari yekubhadhara kana mari uye anochengetedza chikwereti pasi pe $ 5,000, vanhu vanofarira kutora cheki cheki.
Dhiyabhorosi: Kuongorora maakaunti kunowanikwa kune zvakasiyana-siyana zvemari, izvo zvinogona kutengesa mari nokukurumidza. Vakawanda vanoona mabheji vanobhadhara mari yekuchengetedza kana kuti vanoda zvishoma.
Zvimwe zvinoshandiswa zvakasiyana-siyana kubva kubhangi kuenda kubhangi
Money Market
Nhoroondo yemakakiti yemari inowana chikwereti chikuru kupinda mari yekuchengetedza kana kuongorora, asi inosanganisira zvinhu zvezvose. Kune avo vanogara vachitakura zviyero zvepamusoro pakuongorora maakare, izvi zvinogona kuva mukana wakawanda pakuchengeta mari. Nhamba yakakwirira inoreva kuti mari iri kukushandira iwe nekuwana chido .
Zvakanaka Kwazvo: Vanhu vanobata zviyero zvevhejiti munhoroondo yavo ye $ 5,000 kana kupfuura uye vanoda kuwana mari yepamusoro yemari.
Dhigiridziro: Mari dzakawanda dzemakakiti emari dzine zvikwereti zvishoma zvinoshandiswa pakurongeka zvinobva pa $ 5,000 kusvika ku $ 10 000. Nharaunda inogona kunge yakaderera, uye mari inogona kugadzirirwa pamari yemari yemari. Kubhadhara kunowanzowanikwa kune imwe nhamba pamwedzi.
Certificate of Deposit (CD)
Nhoroondo yeCD inowanzokubvumira kuti uwane zvinopfuura chero zvese zviri pamusoro apa. Chii chinobata? Iwe unotofanira kuzvipira kuchengeta mari yako muCD pane imwe nguva yenguva. Somuenzaniso, unogona kushandisa CD mwedzi 6 kana CD yemwedzi 18, zvinoreva kuti iwe unofanira kuchengeta mari yako paunenge uripo kwemwedzi 6 kana 18. Dzidza zvakawanda pamusoro pekuti CD dzinoshanda sei uye kuti ungashandisa sei.
Zvakanaka Kwazvo: Mari yausingafaniri kupedza chero nguva pfupi. Iwe uchawana zvakawanda nokuzvichengetedza kwekanguva.
Dhiyabhorosi: Kana uchida kubvisa mari yako kare, unofanira kubhadhara chirango. Chirango ichocho chinogona kupedza zvose zvawakagamuchira, uye kunyange kupinda muhomwe yako yokutanga . Muzviitiko zvisingawanzoiti, mabhangi anoramba kukudza maitiro ekutanga ekudzorera uye unofanira kumirira kusvikira nguva yapera.
Retirement Accounts
Mareji epamberi anopa kubhadhara mutero . Muzvinyorwa zvizere, unosvika pakurega kubhadhara mutero wemari kune chikwereti chaunowana kubva kubhuku rekuchengeta kana CD. Iwe unogona kunge uchibhadhara chikwereti pane imwe nguva yakatevera, asi kuchengeta mari yako yakachengetedzwa pamitero kunogona kukubatsira pane kwenguva refu. Mazhinji emabhangi anopa IRAs (zvose zvechiRussia IRAs neRoth IRAs ), uye dzinogona kupa mabhizimusi ekurasira emabhizimisi maduku .
Zvakanaka Ku : Kuchengetera ramangwana rako. Mareji epamberi anokwanisa kuita kuti zvive nyore (kuburikidza nekuderedza mutoro wako wemutero) kuchengetedza mari, uye zvingaita kuti zviyero zvepamusoro zviwedzere nguva refu.
Dhiyabhorosi: Chero mutero unobhadhara iwe unouya unouya nemaketani akabatanidzwa. Verenga pamusoro pekubvumirana kwebhuku rako uye bvunza bhadha wako pamusoro pemitemo (kusanganisira mitemo yekukodzera). Iwe unogona kunge wakamirira kwekanguva usati wawana mari yako. Kana iwe ukabvisa mangwanani, iwe unogona kubhadhara mitero uye mabiko ane mhosva.