Nhoroondo Dzakachengeteka Here? Nhamba Yangu Inotsigirwa Here?
Nenzira yakanaka, kana pamba yakabata mari yako ichienda mudumbu, iwe kazhinji (asi kwete nguva dzose) yakachengetedzwa - zvishoma nezvishoma. Saka maitiro ekutarisa 100% e-akhawunti yako yakanyanyisaka haasi pasi.
Semuenzaniso, apo Washington Mutual Bank yakakundikana muna 2008 - guru rebhandi risingakwanisi kusvika nhasi - vatengi havana kurasikirwa nemari nekuda kwe FDIC inshuwarisi.
Zvakadini nemamwe marudzi ekurasikirwa? Zvinogona kuti nhoroondo yako yakafukidzwa nemhando yakasiyana yehushuwarenzi yega.
Bank (uye Credit Union) Kukundikana
Mabhandi nemakambani emakwereti kazhinji kazhinji nzvimbo dzakachengeteka kuchengetedza mari. Iwe hausi kuzarurirwa pamusika kuchinja, uye masangano mazhinji anotsigirwa nekutsigirwa kubva kuhurumende yeUnited States - kana hurumende isingagoni kubatsira, une matambudziko makuru kupfuura mari yako.
Dzimwe nguva mabhanki anokundikana. Imari yavanoita haibatsiri, uye havasisina mari yekusangana nevatengi vanodiwa. Kana shoko richibuda uye kune runomhanya pamabhangi , zvinhu zvinowira zvakaparadzana kunyange nokukurumidza. Nenzira yakanaka, mabhanga akawanda anotengwa nemamwe mabhanga (vatengi vebhangi risingakundiki vanova vatengi vebhengi rekutenga), uye kazhinji hapana munhu anorasikirwa nemari ipi.
Muzviitiko zvakawanda, vatengi havanzwisisi apo bhanhire rinokundikana .
Kuti uone kuti mari yako yakachengeteka sezvinobvira, tarisa kuti mari yako FDIC inotsigirwa . Kana ukashandisa chikwereti sangano , mari yako yakachengeteka chero bedzi iyo inoshandiswa ne federally insured credit union uchishandisa inshuwarisi yeNCUSIF. Yeuka kuchengetedza zviyero zvako pasi pemiganhu ($ 250,000 per depositor nechikwata) kuvhara dambudziko rako.
Retirement Accounts
Kubhadhara maakaiti mumabhangi uye zvikwereti zvemari zvikwereti sehutano seimwe sarudzo imwe neimwe. Nhoroondo dzako dzingave dzakabatanidzwa kana uchitarisa $ 250,000 muganhu, saka usafunga kuti rimwe rega rega rinowana muganhu wako pachako (yako Traditional IRA uye chirongwa cheSIMPLE chinogona kusanganiswa, somuenzaniso).
Zvichienderana nekuti mabhuku ako akaita sei, unogona kuwana mari inopfuura $ 250,000 yakavharwa pane rimwe bhangi, asi iwe unoda kuongorora kuti ne FDC.
Investment Accounts
Kana mari yako ichibatwa nefemu dzisina kupa FDIC kana kuchengetedza NCUSIF, iwe unogona kuchengetedzwa. Mari yakawanda yekutsvaga mari inopa Securities Investor Protection Corporation (SIPC). Izvi zvinokuchengetedza iwe chete kana wekambani yako yekutengeserana inokundikana - haikudziviriri pamarasikisi ekurasikirwa (kana zvivimbiso zvako zvichishaya kukosha mumushambadzi wemakemikari, somuenzaniso) kana mazano akaipa.
SIPC inoparidzirwa zvakanaka kusvika ku $ 500,000 pamhando yekodhi (chete $ 250,000 yeiyo inogona kubatwa nemari). Kuti uwane mamwe mashoko, shanyira SIPC website.
Mushandi Wekurasikirwa Mazano
Kana iwe wakafanana nehuwandu, iyo yako huru yekutengesa mari inowanikwa muurongwa hwekushandira mari yako (seyakaita 401k kana 403b chirongwa). Kuti uwane ruzivo rwekudzivirirwa kwako, tanga nekuongorora kuti uone kana nhauri yako yakavimbiswa neDFIC inshuwarisi - iyo isingaiti - kana yakafukidzwa neSIPC.
Zvakadini kana mushandirwi wako achienda pangozi? Chirongwa chekushandira mari yakawanda hachigoni kuitwa neunoshandira - ivo vanowanzova nekutenda kunokosha iyo mushandi asingakwanisi kubvisa kubva. Zvisinei, kana waunoshandira achiwira panguva dzakaoma, iri pfungwa yakanaka yekucherechedza maakaunti ako: iva nechokwadi chokuti hapana kuregera kuri kuitwa, uye kuti zvipo zvako zvinopinda muurongwa nguva dzose yekubhadhara.
Kana iwe ukatora muurongwa husingafanirwi (semurongwa we 457f kana wepamusoro-hat), iwe unogona kurasikirwa nemari kana waunoshandira achienda. Izvo zvinhu zvinotorwa semafambisi evashandirwi uye zvinogona kuwanikwa kune vane chikwereti.
Ko kana 401k yako inorasikirwa nemari mumakambani ekuparara - iwe unogona kuva nechokwadi kune izvozvi? Kazhinji, kwete. Zvikwereti zvema 401k hazvisi FDIC inotsigirwa (zvimwe zvirongwa zvinopa imwechete kana maviri sarudzo dzekutsvaga mune chirongwa icho FDIC inopihwa - asi zvisarudzo zvakawanda zvekutsvaga mari hazvipi inshu).
Dzimwe zvirongwa zvemashandirwi zvinopa michina kubva kumakambani endhuwarisi anogona kukubatsira mumusika kuparara, asi usatora tariro yako. Inishuwarenzi yekuchengetedza (kazhinji nenzira ye annuity ) yezviyero 401k haisi chinhu icho vazhinji vashandi vanopa. Izvozvo zvinotsigira zvakasimba sekambani ye inshuwarisi inoita chivimbiso, saka uri kuverenga simba rezvemari rekambani iyoyo (hapana hurumende yeUnited States inotsigira, mune mamwe mazwi). Zvakare, kuti kudzivirirwa kunouya nemari inowedzera, mari, uye zvigadziriswa, saka iwe unoda kuverenga kuburikidza nekuzarurirwa zvakanaka usati watanga kushandisa.
Pakupedzisira, chinhu chaunonyanya kuwana chaunogona kuwana chinhu chaicho chiripo (pasi pemiganhu) muDPA yebhangi yakachengetwa kana NCUSIF yakavimbiswa mari yechibvumirano. Kubata ndeyekuti pane kwenguva yakareba nguva, kutengesa kwezvinhu kunogona kuita kuti iwe uwane mari .