Savings Bonds
Iyi ndiyo inonyanya kuchengetedzwa kune iyo, sezvo ichitsigirwa nehurumende, uye inotsigirwa kuti isarasikirwa nemukuru. Havana kupa zvibereko zvinoshamisa, asi iyo haisi iyo pfungwa. Kana uchida kuchengetedza mari yako zvakachengeteka, zvisungo zvekuchengetedza ndiyo nzira yakanakisisa. Izvo zviri nyore kutenga kuburikidza neHaidor Direct , uye havatori mutero kune zvose zvematunhu uye mahara. Mukuwedzera, vanogonawo kuva vasina mvumo pamutero we federal inoshandiswa kubhadhara dzidzo. Izvo zvinokanganisa ndezvokuti hazvisi semvura semamwe marudzi emari yekutsvaga - iwe haugoni kuirima mukati megore rokutanga rehupenyu hwavo, uye kana uchifanira kuirima mukati memakore mashanu ekutanga, iwe ucharipa mwedzi mitatu inofanirwa kufarira.
Mariki Bhizimisi
Mari yezvivigiro (kana kuti "T-bhizimisi") ndeyenguva pfupi yezvisungo zvinokura mukati megore rimwe chete kana kudarika kubva panguva yavo yekubudiswa. T-mabhiridha anotengeswa nekukura kwemasvondo mana, 13, 26, uye 52, ayo anowanzozivikanwa seye-, matatu, matanhatu, uye 12-mwedzi gumi nemwedzi T-bhiri, maererano.
Sezvo maturities kuHaimari mabhizimisi ari maduku kwazvo, anowanzopa zvibereko zvishoma kudarika izvo zvinowanika paNhepfighesti yeHaimari kana zvisungo. Zvisinei, matanho avo mashoma anoreva zvakare kuti havana ngozi: vatengi havafaniri kunetseka pamusoro pehurumende yeUnited States inenge isina kukwana mugore rinotevera, uye nguva yacho yakaderera zvikuru zvokuti kuchinja kwemahombekombe emari inowanikwa hakuiti.
T-mabhiriji anonyatsotengwa uye kutengeswa kuburikidza neHararealthDirect.
Banking Instruments
Zvitatimiti zvebhadhiro uye mabhengi ekuchengetera mabhangi ndezvimwe zvakachengetedzeka zvakasarudzwa zvauchawana mune zvakasara zvekuwana mari, asi nemapango maviri. Imwe, iva nechokwadi chokuti masangano aunobatira mari yako ndeye FDIC-inshurenzi, uye maviri, ona kuti iyo yese yekodhi iri pasi pehuwandu hweUIDS hwehushuwarisi. Hazvipi zvekutsvaga kwezvikwata izvi zvichaita kuti iwe uve akapfuma, asi vachakupa rugare rwepfungwa runouya nekuziva kuti mari yako ichave iri apo iwe uchida.
US Treasury Notes uye Bonds
Pasinei nehupfumi hunoita hurumende dzeUnited States, nguva refu yehupfumi yeHarare inenge yakachengeteka zvachose kana ichichengetwa kusvikira kukura mupfungwa yokuti varairi vanovimbiswa kuti vadzokere kumashure avo. Asati akura, zvisinei, mutengo wavo unogona kuchinja zvikuru. Somugumisiro, vatengesi avo vanochengeteka ivo vanokosha kuve nechokwadi chekuti havazodi kuti vawane mari mukutora kwavo vasati vasvika pakukura kwavo. Uyewo, chengetedza mupfungwa kuti mari yekutengeserana kana mari yekutsinhanisa-yekutengeserana inotengeswa muHaimari haigoni kukura, saka inotakura nayo ngozi yekurasikirwa kukuru.
Stable Value Funds
Simba rinokosha mari, sarudzo yekutsvaga muurongwa hwekurega basa (zvakadai se 401 (k) s ) uye mamwe mimwe mitero inotambiswa mitero, inopa kudzorerwa kwakatendwa kwomukuru wepamusoro nemitengo yakakwirira kudarika inowanikwa mumari yemari yemari.
Simba rinokosha mari mari inoshandiswa neinishuwarenzi kubva kubhangi kana kambani ye inshuwarisi inosimbisa kudzoka kwevakuru uye vanofarira. Mari yacho inowedzera muzvikwereti zvakasimbiswa zvakagadziriswa nemari yakakura zvakananga makore anenge matatu, iyo ndiyo nzira iyo inogona kuita nayo zvibereko zvakakwirira. Kubatsirwa kwekusimudzira mari inoshandiswa ndiyo kuchengetedza kukuru, kuve nekuchengetedza, kugadzikana uye kukura kwakasimba mumutungamiri mukuru nekudzoka, uye inodzoka yakafanana neyakati-ye-bond bond yemari asi nehuwandu hwechokwadi hwemari yemari yemari . Ramba uchifunga, kunyange zvakadaro, sarudzo iyi inongogumira kumabhadharekeri akaremberedzwa.
Mari Makashamba Mari
Kukwira kwezvikwereti kwakakwirira-kunobatsira kune mabhengi ebhengi. Kunyange zvazvo isiri hurumende-inishuwarenzi, iyo inotungamirirwa ne Securities and Exchange Commission (SEC). Misika yemari inoshandisa mari inoshandiswa mune zvishomanana zvekuchengetedza - zvakadai sebhadharo yemari yeHaimari kana pevha-pfupi yebhizimisi pepaji - iyo inenge yakakwana yehuwandu (kureva, inotengeswa nehuwandu huwandu) iyo vatungamiri vanogona kugadzirisa zvinodikanwa zvekununurwa kwevanosungirirwa nechinetso chiduku.
Mari yemusika mari inoda kuchengetedza $ 1 mutengo wemari, asi mukana unogonapo kuti vangakundikana kuzadzisa chinangwa ichi-chiitiko chinonzi " kuputsa buck ." Ichi ndicho chiitiko chisingawanzoitiki, saka mari yemusika mari inoonekwa seye yemari yakachengeteka. Panguva imwe chete, zvisinei, ivo vanowanzove pakati pezvakaderera-zvingaita zvokusarudza.
Menguva Yenguva Pfupi Bond Funds
Nguva shoma yenguva yezvisungo mari inowanzoisa muzvisungo zvinokura mumakore matatu kusvika matatu. Iko nguva yakareba kusvika pakukura kunoreva kuti kudiwa kwehuwandu hwehuwandu - kana kuti njodzi yokuti kuwedzera kwezvibereko zvinokonzera kukosha kwekukosha kwemari kwechikwata ichi - kunoderera kana kuchienzanisa nepakati-yechinguva bhadha mari (iyo inowedzera muzvisungo nezvakawanda zve makore matatu kusvika gumi) uye kwenguva yakareba yezvisungo mari (makore gumi zvichikwira). Kunyange zvakadaro, kunyange iyo yakachengetedza nguva shoma yezvisungo mari icharamba ichiine zvishoma zvishoma zvekugoverwa kwemari.
Yakakwirira-yakatarwa Bonds
Zvikwereti zvakawanda zvezvikwereti zvinotora chikwereti chikwereti, izvo zvinoita kuti vashandi vatange kuona simba remupi wezvemari. Zvikwereti zvine zvikwereti zvikwereti zvakanyanya hazvikwanisi kutadza , saka iyo inenge isati yambova nharo yezvisungo zvakakwirira uye mari inoshandisa mairi. Zvisinei, sezvinonzi Treasury inowedzera, kunyange zvikwangwani zvakakwirira zvakagadziriswa panjodzi yekurasikirwa kwemazuva mashoma kana zvikwereti zvinowedzera. Zvakare, izvi hazvirevi kana iwe uchironga kuchengetedza unhu huripo kusvika pakukura, asi kana iwe uchitengesa bhizinesi musati waro waro hwekukura - kana kuti iwe une chikwama chekutengeserana kana ETF iyo inotarisa kune zvikwata zvepamusoro, iwe uri achiri kutora pangozi yekurasikirwa kukuru pasinei nokuti yakave yakakosha sei mari.
Zvinonzwisisika, vashandi havafaniri kusarudza chimwe chezvikamu izvi. Kuparadzanisa pakati pezvikamu zviviri kana zvitatu zvemusika zvingave zvakasarudzwa sezvo uchidzivisa "kuisa mazai ako ose mune rimwe tswanda." Zvisinei, chinhu chakakosha kugara uchifunga ndechekuti pasi pemamiriro ezvinhu haufaniri kuedza kuwana mari yakawanda nekuisa mari mune zvikwereti zvinowedzera dambudziko kupfuura zvakakodzera zvezvinangwa zvako.
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.