Sei Kukura KwemaDates Pamusoro EEB Bonds Inotarisana Nenyaya Yegore?

Tsanangudzo yeChikonzero Chei Dhepfenyuro EE Bond Maturities Fluctuate Kubva Nguva Yenguva

Wati wakambozvibvunza here kuti nei dzakasiyana-siyana dzeEE E saving bonds dzakakura mumatare akasiyana? Semuenzaniso, zvisungo zveEE zvakabudiswa muna 1981 uye 1982 zvakatora makore masere chete kuti zvizadziswe zvakakwana chiso, asi zvisungo zvakafanana zveEE zvakabudiswa muna 2003 zvakatora makore makumi maviri kusvika kuhutano hunotarisana. Aya mahedheni akakura zvakasiyana-siyana ndiwo mugumisiro wehuwandu hwemari inowanikwa pane imwe nhepfenyuro yeEE E bond kana yakabudiswa. Izvi zvinokonzerwa nokuti zvipfeko izvi zvekuchengetedza ndeye rudzi rwechinzi "zero coupon bond" umo mabhatani ezvisungo akawedzerwa kune chibvumirano chebhandi panzvimbo pokubhadharwa sechitsva kana chekuita.

Nenguva dzose, iwe unotoziva izvi izvi nokuti:

1. Iwe wakadzidza muNyaya yeEE Savings Bond Guide iyo pepa rekupa pepa pepa E Series EE rekuchengetedza rinobudiswa nehafu yechiso chemaziso. A $ 100 Series EE bond, somuenzaniso, ingakutengesa $ 50 panguva yawakaitenga. Izvi zvakasiyana nemagetsi eEnde EE zvisungo zvakatengwa kuburikidza nepurogiramu yeHaiduryDirect, pamwe chete neClass Series I kuchengetedza zvisungo.
2. Iwe wakadzidzawo muChechi yeEE Savings Bonds Inhare Dhiyabhorosi iyo Dhipatimendi reMariki inoshandura nguva nenguva mitemo yekuti kufara kunowanikwa sei kusungirwa zvisungo zvezvisungo zvitsva zvakabudiswa mushure meimwe zuva.

Muna 1982-1983, nhamba yezvibereko yaiva yakakwirira kwazvo. Muna 2003, zvikwereti zvezvibereko zvakanga zvakanyanya kuderera. Nokudaro, zvakatora nguva shomanana yezvisungo zve1982 kusvika ku8383 kubva pamitengo yavo (hafu yechiso chepamusoro) kuhutano hwavo hwakakwana. Zvakatora nguva yakawanda kuti chinhu ichocho chiitike kuzvisungo zvakabudiswa muna 2003 nokuti chikwata chekufarira chakanga chiri pasi.

Nzira yekuverenga Nguva yekukura

Imwe nzira yekuverenga nguva yekukura ndeyokushandisa Mutemo we 72 . Ichi chishandiso chinokubvumira kuti uverenge kuti ingatora nguva yakareba sei kuwedzera kudyara kwako pane imwe nzvimbo yekudzoka . Semuenzaniso, kana iwe wakatenga bhishopu yeEE Series yakachengetedzwa nebhadharo ye $ $ 000 (mari yako ingadai iri $ 500) yakagadzirirwa chiyero chakasarudzwa che120%, ingatora nguva yakareba sei kusvika pakukura kwekukosha?

Ingoparadzanisa 72 ne 1.2. Mhinduro yacho, 60, ndiyo makore ose akadikanwa ezvo kusungirwa kwekaviri mune kukosha. Kana Nhepfenyuro EE yakachengetwa yakawana 0.5%, zvinotora makore makumi mana nemana makumi maviri nemashanu kuti iwedzere kukosha (72 / 0.5 = 144)!

Nokutarisa nyaya dzeEE dzekuchengetedza zvikwereti mune izvi, iwe zviri nani kugadzirirwa kuti uone kana vakarurama pamapato ako. Iwe unogona kutenga zvakasiyana-siyana zvakasiyana-siyana zvebhuruti chip stocks uye unowana zvinenge 3% kana 4% pamari yako. Iwe unoda kutarisa kukosha kwekodha yako kuwira mukati, kana kaviri, zvichienderana nemusika wekutengesa? Kana iwe uri mairi chete nokuda kwemari inowanikwa uye iwe usingafungi kushaya chido , zvikwata zvingave zviri nani zvakanakisisa. Iwe chete nemupi wezano wako wezvemagariro unogona kusarudza kuti ndezvipi zvinoita maererano nezvinodiwa zvako, zvigadzirwa, uye unhu. Kuzvisunga neruzivo kunoita kuti chisarudzo ichi chive nyore.

Zvimwe Nezvikamu Zvitsva EE E Savings Bonds

Kuti uwane mamwe mashoko pamusoro pekuti zvinyorwa zveEE E Savings zvingashanda sei mune ramapatoti ako, shanyira Bhuku reEE Savings Bond Guide . Iwe unogonawo kudzidza pamusoro peChechi I Savings Bonds , iyo inopa kutengesa kwezvigadziro. Iwe unogonawo kuverenga bhadha redu rekuchengetedza vashandi vatsva, vane nhoroondo yezvisungo zvekuchengetedza muUnited States, tsanangudzo yemafungiro emitero, nezvimwewo.