Bhaka-Account Vanilla Savings
Inogona kunge yakaita seyekare-kare, asi dzimwe nguva hapana chinhu chinotema bhuku rekuchengetedza mabhuku . Sekuchengetedzwa kwakachengeteka kumari yemari yemari, mabhengi ezvokuchengetedza anotora chikwereti chakanaka, asi mabhanji ane nguva shoma shoma kuti azarure account. Iwe uchave nekusvika pakarepo mari yako kuburikidza neATM, kutsigirwa kweDFIC pamusana wekukundikana kwebhangi, uye kushandiswa kwehofisi yebazi reko.
Mari yeMari Dhipatimendi Account
Kunyange zvazvo vanhu kazhinji vanoona nyaya mbiri dzichivhiringidzika, mari yemusika inopa mari inoshanda zvakasiyana nedzimwe mari yemusika mutual fund. Iyi nhoroondo, inowanzopiwa nemakambani ekudhinda, zvakanyanya kufanana neakaunti yekuchengetedza. Imwe yemusika wemari inopa marikiti kunyange kutumira ropafadzo yekunyora uye mamwe maitiro akafanana nekambani yebhangi nguva dzose. Kunyange zvazvo iyo mhando yekambani inobereka chido chakakwirira kudarika bhadha yekuchengetera mabhengi, inowanzoitawo zvishoma nezvishoma zvinoda kuenzanirana zvinodiwa.
Certificate of Deposit
Zvitatimiti zvekuisa , kana maCD, zvikwereti zvakagadziriswa zvinosanganisira iwe kuisa, kana "kukweretesa" mari kubhengi rinotora nguva yakatarwa kwenguva yakareba-eg, mwedzi mitatu, mwedzi mitanhatu, 1 gore, makore maviri, makore mashanu, Makore gumi-mukutsinhanisa kwezvibereko zvakagadzirwa. Kazhinji, iyo yakareba iwe uchida kuvhara mari yako, inowedzera chikwereti chaunofarira chaunogamuchira.
Zvichienderana nezuva rako rakasarudzwa rokukura, maCD anogona kubhadhara chikwereti chakakwirira kudarika mari yemusika kuisa mari. Kufanana neakachengetwa mari, maCD anotsigirwa neDFIC kusvika kune-in effect miganhu, kunyange iwe unogona kuwedzera miganhu yepamusoro kune $ 1.25 mamiriyoni kuburikidza nekushandiswa kwemaitiro sekushandisa kushandiswa -pa-kufa mazita. Pamusoro penzvimbo yakaderera, kana uchida kuvhara CD yako isati yakura, iwe uchapirwa chirango.
TreasuryDirect Account
Kana uine mari yakawanda kupfuura iyo FDIC yunivhesiti inovhara uye haifaniri kutarisana nekuparadzira mumabanki akawanda, funga kuisa mari yako muAprivacyDirect account neUnited States Treasury Department.
Bhuku rinonzi TreasuryDirecting rine zvimwe zvekuchengetedza zvakanyanya mune zvemari mune zvemari, sezvo inopa kukwanisa kuisa mari yako mune mari yehupfumi, manotsi, uye zvisungo zvakabudiswa neHurumende yeUnited States uye zvinotsigirwa nehurumende ihwohwo husingaverengeki kutengesa uye kusungirwa kwebumbiro remitemo kuripa zvikwereti.
Bond Mutual Funds
Bond mari, paunenge uchitaura zvimwe njodzi, inogona kunge yakashandurwa zvakanaka pamari yemari yemari uye inogona kutodzorera chibereko chakawedzerwa. Kungofanana nehomwe mutengo wemari, bhadha mari inoshandisa mari kubva kune vashandi vakawanda kuti vashandise mune zvisungo zvakasiyana-siyana, nechinangwa chekutsinhanisa chekutsvaga.
Izvi zvinokubvumira kuti uite zvakasiyana-siyana kudyara kwako muzvisungo zvakawanda panzvimbo yekuisa mari muzvisungo zveimwe kambani, zvakadai semabatanidzwa ehurumende. Bhengi yemari inobvumira mari shoma uye inonzwisisika yekugara kwenguva refu. Ramba uchiyeuka kuti iwe uchabhadhara mari yekutarisira gore negore uye komisheni, kana mutoro paunenge uchiita mari yako.
Bond Exchange-Traded Funds (ETF)
Bond ETFs , yakatangwa nemamwe makambani ekutengeserana emari, tsvaka kubatanidza kuchengetwa kwemari pamwe nehuwandu hwehupfumi . Kunyange zvazvo nzara ye ETF inoshandisa mari muboka rezvisungo zvakasiyana-siyana, sehutano hwemari pamwe chete, vane zvishoma zvakasiyana, zvakadai semari shoma uye kusvinura zvakazara pamusoro pezvisungo zve ETF pane chero nguva ipi zvayo. Iwe waizotenga chikamu mubatanidza ETF kuburikidza nemukwereti panzvimbo pane mutual fund company.
Vanotengeswa mumusika wakashama sehomwe, uye iwe unogona kutenga pamuganhu kana kuti uvatengese nguva pfupi, kusiyana nemashandisirwo emari pamwe chete. Kunyange zvazvo mari yezvisungo inoita kuti uve nehana yakanaka kwenguva refu nekuda kwezvikwereti zvinosanganiswa, bato re ETFs rinoshanda zvakanaka kune vashandi vanoda kutenga nokutengesa zvikamu nguva nenguva.
Iko Balance haisi kupa mutero, utsvaga, kana mari yemari uye mazano. Mashoko aya ari kuendeswa asina kufunga nezvezvinangwa zvekutsvaga, kubvumira kusangana nematambudziko kana mamiriro emari yemumwe muzvinabhizimisi chaiyo uye angave asina kukodzera kune varairi vese. Basa rekare harisi kuratidza migumisiro yemangwana. Kuisa mari kunosanganisira njodzi dzinosanganisira kurasikirwa kwatinoitwa mukuru.