Zvikwereti Zvokuchengetedza ndezvimwe zvekare uye zvakajeka kunzwisisa maitirwo anopiwa nehurumende yeUnited States. Vanoonekwa sekuti "accrual" rubatsiro rwekutsvaga, izvo zvinoreva kuti kukosha kwavo kunowedzera kupfuura nguva.
Nhepfenyuro EE Zvikwereti zvinotengwa pahafu yekukura kwavo uye zvishoma nezvishoma zvinowedzera kusvika pachiyero ichocho. Nhepfenyuro I Zvikwereti zvinotengwa muzvitendero zve $ 50 kusvika ku $ 10 000, uye zvishoma nezvishoma zvinokura muhutano zvichienderana nehuwandu hwehuwandu hwezvikwereti.
Hurumende, sechinhu chinokurudzira kutenga Series EE uye ini zvisungo, inobvumira kukura kwekukosha kusingabhadharwi neFederal uye state taxation kana ichitsvairwa uye inoshandiswa kubhadhara mari yekoroji.
01 Kubhadhara kweUnited Savings Bonds seChikoro Chekuchengetedza Chikoro
Nhepfenyuro EE uye ini zvisungo zvinofanira kufungwa nevanhu vanoona zvimwe kana zvinotevera zvinotevera:
- Vanosarudza kuchengeteka uye nyore kweMari yekuchengetedza mari pamusoro pengozi uye kuoma kwezvimwe zvikwereti uye mazita eaka.
- Ivo vanogutsikana nehuwandu hwegore hwekudzoka mukati ma 4-6%.
- Ivo vari muHurumende yepamusoro-soro uye yehurumende yebhadharo yemitero.
- Vanogona kungoita mari shoma shoma panguva dzisinganzwisisiki.
- Vanoda kuchengetedza umiridzi wefa iyo kusvikira vasarudza kuishandisa.
02 Kubatsirwa uye Kukanganisika kwekushandisa US Savings Bonds yeKoji Savings
Mikana Inobatsira:
Kutenga US Savings Bonds (Series EE kana I) ndeimwe yenzira dzakanakisisa dzekuisa mari pambareji. Hapana chikonzero chekuzarura kambani mune imwe nzvimbo yezvemari, mapepa akazara zvakakwana, kana kutsvakurudza nekugadzirisa zvisarudzo zvekutsvaga. Uyezve, kukosha kwemazuva ekupedzisira kweUkuchengetedza Bonds, kunyanya EE Series zvisungo, zviri nyore kuverenga.Zvikwereti Zvokuchengetedza zviripo muzvitendero zviduku uye zvinogona kutengwa zvishoma ne $ 25 panguva imwe.
Kufarira pazvibvumirano izvi hazvibvumirwi zvachose kubva kune Federal nehurumende yemitero inoshandiswa pavanoshandiswa pamakoroji ekubhadhara mari, izvo zvinoita kuti vakwikwidzane nepamusoro kubhadhara, asi mari inotengesa.
Zvingave Zvisingabatsiri:
Chinhu chikuru chakaipa, izvo zvinowanzoitika kune imwe nzira yakawanda yekuchengeteka uye nyore, ndiyo inodhura yekudzoka. Nehuwandu hwezvakaitika zvekudzoka pakati pe4-6% gore negore, kubudirira kwemazvikwereti emakosheni kunogona kuwedzera nyore nyore US Savings Bonds kaviri.Chimwe chisingabatsiri, ndechokuti kuregererwa kubhadhara mitero pamariji yekorogi kune zvishoma kudarika mamwe emamwe makero ekuchengetedza koroji. Nhepfenyuro EE uye ini zvisungo zvinongobhadharwa pamutero kana zvichishandiswa pakudzidzira (kwete nzvimbo, bhodhi, kana mabhuku), uye zvinowanikwa chete kune vateresi vanowana mari inopfuura zvishoma.
03 Kutengeswa Kwekutsvaga uye Mitero Yezvikwereti zveAmerica Savings Bonds
Investment Options:
Kuchengetedza Bond zvido zvinoparidzirwa musi weMeyi neNovember 1, uye zvinotarirwa kushandiswa nenzira yakasarudzwa. Iripo Nhepfenyuro EE Bonds haishanduri mitero yavo semitengo mitsva inoziviswa. Nhepfenyuro I Bonds vanoita.Mutengo we Series Series EE Bonds ndeye 90% yevheji yevhidhiyo yemakore mashanu emari yePasimari pamwedzi mitanhatu yapfuura.
Mutengo weChitsa I Izvikwereti ndeyekubatanidzwa kwegadziriro yakatarwa isati yakatemwa yekudzoka uye kugadziriswa kwekutengesa kwemazana kwemwedzi mitanhatu yapfuura.
Mitero Yemitero:
Imwe mitero inobhadhara mutero kune vateereri ve US Savings Bonds ndiyo kuregererwa kubhadhara mutero wemari kune chibereko nekukura kwekukosha, kana kushandiswa pakudzidza chikoro. Nekugadzira, Series EE uye Izvisungo zvakarewo mutero-unoderedzwa gore roga roga kutozosvikira vapera kunze.Izvi zvisingabhadharwi kubva pamutero wekuwana pakuwedzera kwezvisungo izvi zvinoita kuti vakwikwidzane nemamwe masimba ekubhadhara, asi mabhadharo emitero, akachengetedzwa kunze kwenyaya dzekoroji.
Somuenzaniso, kutora chibvumirano kubva kune imwe sangano iri kubhadhara 5% gore rega rega, asi inokwana zvizere muHurumende yehuwandu hwe25% nehurumende ye5%. Mushure mekubhadhara mitero inobhadharwa gore roga roga, pamwero we 30%, bhandi iyoyo inobvisa musara mushure mekubhadhara mitero ye 3.5%.
Kana Sangano reUnited Savings reAmerica riri kungowana 4% chete, asi haichazombokwanisi kubhadhara nokuti richashandiswa kuchikoro chekudzidzisa, rinojekesa zvakajeka kubhadhara mutero.
Kuti uwane chikamu chekusunungurwa kusingabhadharwi kubva pamitero kune vanofarira, muridzi wacho anofanira kuva nemari pasi pe $ 78,100 kana asina, kana $ 124,700 kana akaroorwa.
04 Zvigadziriswa Zvigadziriswa uye Kubudirira Kwemari Inobatsira kuUnited Savings Bonds
Mari Inokodzera:
Nhepfenyuro EE uye Ini Savings Bonds inogona kungogamuchira mubhadharo wemutero wemari yemari yemari yakashandiswa kubhadharisa chikoro pamakoroji eChishanu IV, masunivhesiti, uye zvikoro zvevashandi.Gumba, bhodhi, uye mabhuku hazvifukidzwi pasi pekuregererwa. Kubhadhara kwezviyero izvi zvichange zvichienderana nekodzero yemutero.