Ndezvipi Zvinodiwa Mutengo unoreva paBhangi
Zvichienderana nemamiriro ezvinhu, kufarira kunogona kutaurwa uye kuverengwa nenzira dzakasiyana-siyana.
Kana ukaisa mari mubhengi rebhangi kana sekinyorwa chakafanana, iwe unokweretesa mari iyo kubhangi uye unowana mubereko.
Paunokwereta mari , iwe unobhadhara chikwereti pakutsinhanisa kushandisa mari yeumwe munhu .
Chii chaunofarira iwe unowana?
Paunoisa mari kubhangi, unogona kuwana mubereko pamari iyo - kunyanya kana iwe ukaisa muakaunti dzekuchengetedza kana zvikiti zvekuisa (CDs) . Zvisinei, nhoroondo dzinobvumira kushandiswa kwezuva rimwe nerimwe, dzakadai sekuongorora maakaiti, kazhinji hazvibhadhari chibereko (kunze kwekuti ivo vakakwira-kutengesa kana kuongororwa kwekombikiti ).
Bhengi inotora mari yaunoshandisa uye inoshandisa iyo kuti uwane mari yakawanda. Bhengi ichaisa mari iyi nokukweretesa kune vamwe vatengi (kupa zvikwereti zvemotokari kana makadhi emakadhi, somuenzaniso) kana kuisa mari mune dzimwe nzira .
APY: chikwereti chaunowana kubhangi kana chikwereti chebato chinowanzoverengwa segore rega rega rega (APY) . Semuenzaniso, kambani yekuchengetedza inogona kubhadhara 2% APY. APY inowanzoshandiswa nokuti inotora kuwedzera kuverengera. Iko iwe unofarira kubhadhara mari yako inowanzopfuura pane yakataurwa APY, asi mushure mekuwedzera (kuwana chido pamusoro pezvaunofarira kare wawakagamuchira ) unogona kuwana full APY.
Kana iwe uchisiya mari yako isingatauriki, iwe unofanira kuwana mhinduro yekuenzana neAAPY kwegore rimwe chete. Nokuti chiyero ichi chikamu, iwe unogona kuverenga mari yakawanda yaunowana iwe pasinei nokuti unoisa mari yakawanda sei. Kune nzira dzakawanda dzekuverenga kuwanikwa kwezvibereko , kusanganisira mahwendefa, kuverenga online, uye kunyorwa kwemaoko.
Chii chaunofarira iwe unobhadhara?
Kana ukwereta mari, vateresi vanoda kuti iwe uvaripire nekuda kwekuda kwavo - havazivi kana iwe ucharipa chikwereti, saka vanoda mari.
APR: Nhamba yezvikwereti kune zvikwereti zvevatengi inowanzotaurwa nezvegore rega rega yepamusoro (APR) . Nhamba iyoyo inokuudza kuti unogona kutarisira kubhadhara gore negore sei uchishandisa mari, uye inosanganisira mari iri pamusoro uye kunze kwekuda mari. Somugumisiro, APR inogona kunge isina kururama (kana iwe usingachengetedzi chikwereti kwenguva yakareba sezvaunotarisira, somuenzaniso). Nokuda kwekuyera kuverenga kuti iwe unobhadhara mari yakawanda sei, inotora zvido zvekuda nyore panzvimbo.
Kana iwe uchibhadhara chikwereti, mari yacho yaenda zvakanaka. Zvingave zvichibvira kutsvaga zvimwe zvinoda mari (sebhadharo rebhizimisi, kana sechikamu cheimba yaunayo ), asi iyo inongogumira chikamu chemari yako yose.
Iyo yakaderera iri nani: kazhinji kazhinji inobhadhara kubhadhara chikwereti pane yakaderera mutengo inogoneka. Zvisinei, pangava nemamiriro ezvinhu apo iwe unofarira (kana kuti unongoda kubvuma) chikwata chapamusoro chekukweretesa chikwata - kunyanya kwekwereti kwenguva shoma . Pakufananidza mitero, tarisa zvakatarisana nezvose zvinotarisirwa. Vatengesi vanogona kushandisa zvinhu kuti zviite sokuti uri kubhadhara kudarika iwe uri (nokudzokorora chikwata chechibereko chakanaka kana kubhadhara kwemwedzi, asi kuvhara mutengo wemotokari, somuenzaniso).
Nguva dzose rhanyai nhamba iwe pachako uye sanisa maitiro asati waita.
Percentages
Zvichida kushandisa APR, APY, kana imwe nzira yekudzorera chido, mitero inowanzoverengwa semapurogiramu. Izvozvo zvinoreva kuti zviri nyore nyore kuverenga chikwereti chawanikwa kana mari. Izwi rokuti percentage rinoreva "nezana rimwe." Somugumisiro, unogona kuenzanisa chikwereti pane mazana ose emari yaunokwereta kana kuisa.
Somuenzaniso, funga kuti bhangi yako inokwereta 2% APY pane zvaunenge waita. Kune $ 100 yose yaunenge uchiisa, unogona kutarisira kuwana $ 2 pamusoro pegore rimwechete. Isa imwe nzira, iwe uchawana madhora maviri nemadhora mazana.
Nei Inhara Dhidha Dzinoshanduka?
Kuchinja kwemahara kunopfuura nguva, kufambisa kumusoro kana kuderera - dzimwe nguva zvinoshamisa. Zvinhu zvishomanana zvinokanganisa kudiwa kwezvibereko ndezvi:
- Mamiriro ehupfumi - apo hupfumi hwakasimba, mitero inowanzosimudza (nokukurumidza kana kuti gare gare)
- Anokwereta njodzi - vakakwereta vane zvikwereti zvakakwirira zvinowanzova nemadhura
- Mari yechikwereti - Vanokweretesa vanoongorora zvinhu zvose zvechikwereti kuti vaone mari, uye zvikwereti zvenguva pfupi kana zvikwereti zvakachengetwa nekutengesa zvinowanzova nezvidimbu zvakaderera
- Chido chekuita zvikwereti kana kuunganidza mari - vanokweretesa vachaderera mitengo kana vachida kupa chikwereti, uye mabhanhire achamutsa mitero kana vari kuedza kukwezva mari yakawanda kuchikoro
Zvichida kana kwete chiyero chako chichashandura chinoenderana nemhando yekodhi yaunoshandisa.
- Kuponesa, kutarisa, uye mari yemusika mutengo zvinogona kuchinja chero nguva, asi kuchinja kunowanzouya mu "chunks" (kunze kwekuchinja zuva nezuva)
- Mari yechikwereti inogona kuchinja kana iwe uine mutengo unoshandiswa (kana kugadziriswa mutengo wekutengesa ), asi kushandiswa kwemari yemari yemari inoshandiswa hakuchinji
- CD maitirwo haafaniri kuchinja kusvikira CD ichikura , asi mamwe maCD anoshandura maitirwo panguva
Mitengo yekudzoka: kunze kwemitengo yemitengo yakawanda, mamwe masimari ane chiyero chekudzoka (kana vasina kurasikirwa nemari). Chiyero chekudzoka chakasiyana nezvakaitwa nezvechirongwa chekuda nokuti pane zvingasava nechivimbo chekuti iwe pachako uchawana mukana wekudzoka. Nhamba dzechido, kunyange zvazvo dzichigona kuchinja, dzinogona kuverengerwa kusvikira chinoshandurwa shanduko chinoitika.