Iva nechokwadi kuti uri kuisa mari yako kushanda
Kugadzira purogiramu yekuchengetedza kwekuzvitsvaga inzira inoratidzika nyore yekuvaka mari yekukurumidzira , rega kubhadhara mari pamusha, sarudza mari yekurota zororo kana urongwa hwekutengesa motokari yemberi.
Asi iwe unofanira kuchengeta kupi mari yako kana iwe uchida kuwedzera kufarira kwako mari? Nenzira, kune zvakawanda zvakasiyana-siyana zvekuchengetedza motokari kusarudza kubva uye zvakakosha kuziva iwe unogona kuwana mawaniro akaisvonaka.
Savings Accounts
Nhoroondo yekuchengetedza kubhengi yako yemunharaunda kana chikwereti chebato ndiyo nzvimbo yakanakisisa yekuchengetedza mari. Kana iwe uchida kuita mari kana kubvisa, iwe unogona kupinda mubazi rekune imwe nzvimbo kana kushanyira ATM. Chinhu chinonyadzisa ndechokuti iwe ungave uine kuisa mari yako kushandiswa kwakanakisisa kunogona kuitika nekodhesi yekuchengetedza kereke.
Pamabhenji ezvitini-uye-matope, iwe unogona kutarisira kuwana mari yegore rimwechete yezvibereko pakuchengetedza kubva kubva ku 0.01 kusvika ku 0.30%. Kuisa izvi nenzira yakajeka, funga kuti iwe unoisa $ 10 000 munyaya yekuchengetedza ne 0.02%. Mushure megore rimwe chete, iwe ungadai wakawana $ 2 inofarira.
Nharaunda dzinoshandiswa dzinogona kusiyana zvichienderana nerudzi rwekambani uye bhangi, asi kazhinji, unogona kutarisira mitsva pamabhadhi ezvakagadzirwa uye zvikwereti zvekwereti zvishoma.
Mabhengi angapa kupa mawaniro akakwirira asi chete kune vanoponesa vanochengeta zviyero zvishanu kana zvitanhatu zvekuchengetedza.
Nguva dzose mari yekuchengetedza haisi kunze kwezvavanofanira. Izvo zviri mumvura, zvichireva kuti unogona kuwana mari yako pane zvishomanana. Asi, izvo zvinenge zvisingabhadharwi zvisingakwanisi kubhadhara chikwereti chakanaka chawanikwa.
Kukurukurira Zvakakwirira Zvikamu Zvokuchengetedza
Nhepfenyuro yepamusoro yekuchengetwa kwebasa inoshanda zvakafanana nekugadzirisa kuchengetwa kwekodhi nemusiyano mukuru wekutanga: vanopa APY yakakwirira kwazvo yevanoponesa. Nhoroondo idzi dzinowanzowanika pamabhanki eIndaneti, izvo zvinoreva kuti iwe unopa kuzvipira kwebazi rebazi. Asi, zvinokwanisika kuwana zvibereko zvepamusoro zvekuchengetedza neAAPY zvakakwirira se5%.
Kudzokera kumadhora $ 10,000 muenzaniso wakapfuura, kufarira kwako mari yegore kwaizotora $ 512, zvichifungidzira 5% APY. Kunyangwe pa 1.5%, iwe unogona kuwana mari inopfuura $ 150 muzvikwereti, iyo inonyanya kuve yakakwirira kudarika zvaunogona kuwana nemari yekuchengetedza.
Zvechokwadi, iwe unofanirwa kuongorora kuwanikwa kwacho. Kana uri kushandisa kuisa mari mune mari, iwe unofanirwa kushandisa kambani kune rimwe bhangi kuti uite iyo mari, ipapo udzorere mari yekuchengetedza paIndaneti. Mobile check check inogona kuita kuti zvinhu zvive nyore asi iwe unogona kumirira kusvika kwevhiki kuitira kuti zvipo zvibvise. Uye, kana chimwe chinhu chichienda zvisina kunaka neakaunti yako iwe haugone kutaura kumabhanki kana kubhadhara mutengi mu-munhu.
Mari Makachengetedzwa Emari Mari uye Mari yeMarike Mari
Kunze kwenyaya yakachengetedza yekuchengetedza , ungasangana neimwe motokari yekuchengetedza inonzi motengesi yemari. Iko kune mari mbiri dzakasiyana-siyana yemakethe yemari yemari: mari yemari yemari yekuchengetedza uye mari yemusika mari pamwe chete.
Mari yekuchengetesa mari mari inenge yakangofanana nedzimwe sarudzo yekuchengetedza asi ine maonero maviri. Chokutanga, nhoroondo idzi dzinogona kubhadhara mari yepamusoro yekutora kana kupa sarudzo yehutano yakatarwa maererano neseri yako, chimwe chinhu chekuchengetwa kwekodhi kazhinji hazviiti. Chechipiri, nhoroondo idzi dzinogonawo kuuya neropafadzo yekunyora-cheta kana kadhi yebhanji. Kungofanana nedzimwewo mari yekuisa mari, mari yekukwereka kwemari inogadziriswa neMitemo D inotonga . Zvinonyanya kukosha, mitemo iyi inogumira iwe kusvika kumatanhatu ekutengesa zvinhu pamwedzi.
Mari yemusika mari yekutengeserana chimwe chinhu chakasiyana zvachose. Havana kubudiswa nebhangi; pane kudaro, anopiwa nezvikwereti zvekutsvaga. Iwe unogona kuchengetedza mune mari yemusika mutual fund kuburikidza nekambani yekweretheni kana kuisa iyo nhoroondo itsva nekambani yegadziro zvakananga kuti uite chikamu mune mari yemusika mutual fund .
Aya mari inotengeswa mumari yakasiyana-siyana yemazuva mashoma pamwe chete kuitira kuti ibudise chikamu chekufarira .
Kusiyana nekambani yemari yemakethe pabhangi rako, mari yemusika mutendi mari haisi FDC inotsigirwa. Mari iri muhomwe iyi inotengeswa mumusika, zvinoreva kuti kune yakanyanya ngozi panjodzi inobatanidzwa kana ichienzaniswa nemari yemari yekuchengetedza kana mari yakawanda yekushambadzira. Nemari yemari yemari, iwe unofanirwawo kutarisa mari, kunyanya kuenzanisa mari . Iyi ndiyo mitero yekufambisa iyo inoongororwa se peresenti yemari yako mari. Kunyange zvazvo mari yemusika mari, yakadai seVanguard's Prime Money Market Fund (VMMXX), inogona kubhadhara gore negore inopfuura 1%, iwe haugoni kuchengetedza mari iyo yose kana mari inoshandiswa. nhoroondo uye mari inotengesa, iyo inogona kuderedza kuderedza mari yekuwana mari.
Zvitatimiti zveDhipatimendi
Chikwangwani chekuisa mari , kana zvisingazivikanwi seCD, ndiyo imwe nzvimbo yekuchengetedza mari iyo inowanzopiwa nebhangi rako. CD ine nguva yekuisa mari , iyo inoreva kuti mari yaunoisa pamubhadharo inofanira kugara imomo kwenguva yakawandisa usati waigona kubvisa.
Unogona kutenga CD ine mavara akasiyana-siyana akareba kwenguva yakareba semwedzi umwe kana kwenguva yakareba semakore gumi. Kazhinji, kana iwe uchibvumirana kusiya mari yako pane mari, iyo inofarira bhagheni ichakubhadhara. Mabhangi anogonawo kupa zvikwiriso zvakakwirira zvekuchengetedza kubhadhara kukuru mune CD. Mamwe mabhengi anopawo nhanho-up mazinga CD, achiwedzera chiyero chako nguva nenguva pamusoro peCD.
Maererano nehuwandu hwehuwandu, mutengo wenyika yose weCCD mwedzi 12 wakanga uri 1,85%, kubva munaFebruary 2018. Jumbo yemakore mashanu yakakonzera 2.55% nekuenzanisa. Pakutanga, maitirwo aya anoonekwa akakwirira zvikuru kupfuura e-high-yield savings accounts asi iwe unofanira kufunga kuti unoda kuisa sei zvishoma muCD kuti uwane.
Sezvo iwe uchida kubvisa mari yako muDCD kwehuwandu hwenguva yakasarudzwa, izvi zvinogona kuita kuti mari yako isasvike nyore kupfuura mari yekuchengetera kana yemari yemari. Izvi zvinogona kuva chinhu chakanaka sezvo ichikukurudzira kusiya mari chete, asi mune imwe nguva iyo mari inoda kudiwa nokukurumidza, izvi zvinogona kuva chipingamupinyi. Nenzira yakanaka, iwe unogona kuwana mari yako CD isati yakwana , asi bhangi ichapa chirango chinogona kupedza zvachose chikwereti chawawana.
Kuchengetedza Bonds uye Pfuma
Imwe nzira inogona kuitika yekuchengetedza kwako iri muzvisungo zvekuchengetedza. Sangano rekuchengetedza rinobudiswa nehurumende yeUnited States uye rinotsigirwa nekutenda kwakakwana uye chikwereti. Saizvozvowo kumaCD, zvisungo zvekuchengetedza zvine zuva rakakura rakagadziridzwa iyo bhisho inosvika pahukuru hukuru. Muzviitiko zvizhinji, iyi ndeya makore makumi maviri kana makumi matatu.
Zvikwereti zvekuchengetedza zvinonzi chikwereti mwedzi mumwe nomumwe uye iwe unogona kutenga mari muchibvumirano chekuchengetedza chero nguva, kunyange zvazvo kuita izvozvo usati wakura kunogona kuita kuti zvataurwa pamusoro apa zvifarire, zvakare, zvakafanana neCD. Iwe unogona kutengesa zvisungo zvekuchengetedza pamabhanki akawanda kana paIndaneti paHarare Direct Direct.
US Treasures, kusanganisira T-mabhiriji uye manotsi, ndeimwe nzira yakachengetedzwa yekuchengetedza iyo inogona kubhadhara mazinga akakwirira. Pfuma inogona kutengwa kwenguva shoma kana yakakura kwenguva uye iwe unogona kutanga kuponesa nemadhora maduku zana. Nharaunda dzezvikwereti izvi dzakachengetwa dzakagadzirirwa uye dzinoita kuti kuwedzerwa nguva yekukura ichiwedzerwa. Kubva munaFebruary 2018, somuenzaniso, mutengo wemakore gumi wezvivigiro zvepfuma waiva 2.79 muzana.
Chii Chakanaka Kwauri?
Kana zvasvika pakuponesa, hapana mhinduro yakarurama kana isina kururama. Iyo pakupedzisira inobva pane zvaunoda. Kana uri kushandisa mari yako yekuchengetedza overdraft uye uchida kuiwana iyo pakarepo paunenge uchida, iyo yechechi kana yepamusoro-yakabhengi yekuchengetedza gwaro ingangodaro yakakosha. Kana uri kuchengetedza nokuda kwekutenga kukuru kana chimwe chinhu chinofanotaurwa mwedzi mishomanana kana makore mumugwagwa, unogona kunge uine mazinga ari nani ane CD kana kuti mari yemusika mari .
Kune vanhu vazhinji, zvinosvika pakuva nekusanganiswa kwezvizhinji zvekuchengetedza motokari. Ichava nechikamu chechikwata chekutsvaga munyaya yekuchengetedza kubhangi, zvichida mamwe mari mumari yemari yemari mune imwe bhadha rekutsvaga , uye mamwe maCD, zvisungo kana Pfuma yakaiswa kunze kwenguva refu. Pasinei nokuti chii chingave chiripo, unoda kuve nechokwadi kuti mari yako iri kushanda zvakaoma sezvainokwanisa kuti huwandise hukura.