Makomborero uye Kukanganiswa kweMari yekuchengetedza
Chii chisungo chokuchengetedza zvose? Peji ino inokutora kuburikidza nemasimboti, maitiro ayo anoshandiswa, uye kuti ungawana sei ruzivo rwakakwana pamusoro pezvisungo zvekuchengetedza zvaunazvo.
Chikamu 1: Kukurukurirana kweMabhengi Okuchengetedza
Chikamu 2: Dambudziko uye Dambudziko reMari yekuchengetedza
Chikamu 3: Tingatenga sei Kuchengetedza Bonds
Chii Chinonzi Savings Bonds?
Zvikwereti zvekuchengetedza ndezvivimbiso zvakabudiswa neUnited States Treasury Department . Vanopa mari yekubhadhara mari yehurumende yeUnited States . Mukudzoka kwekushandisa mari yako, hurumende inokubhadhara iwe unofarira. Iyi nhaurirano inosangana neEE uye ini zvisungo zvekuchengetedza.
Ndine Chikwereti Chai Ndichiwana Pazvikwereti Zvokuchengetedza?
Nharaunda dzinofarira dzinotarisana nemamiriro ezvinhu ehupfumi. Sezvo nhamba yezvibereko inowanzokwira, saizvozvo mari inobhadharwa inobhadharwa pazvisungo zvekuchengetedza. Kana iwe uchida nhamba chaiyo, iwe unogona kushanyira webhusaiti ye Federal Federal yezvino uye yezvakaitika mumitengo. Muzvizhinji, uchaona kuti mitengo yakakwikwidzana nehutano hwakachengeteka - uye iwe unogona kuwana mhindu yemitero kubatsira kubhadhara kudzoka kwako.
Ndeapi Mitero Yezvikwereti Kuita Bonds Rekupa?
Zvichienderana nemamiriro ako ezvinhu, unogona kuwana zvikomborero zvakanaka kubva pakushandisa zvikwereti zvekuchengetedza. Kutanga, zvisungo zvekuchengetedza hazvibhadhara chikwereti nguva nenguva zvichienderana nemutero wemari. Pane kudaro, vanowedzera kukoshesa pamusoro pemakore.
Izvi zvinoreva kuti iwe unogona kunonoka kutora chikwereti chemubereko kusvikira iwe uchidzikinura zvisungo (kana kusvika vakura, izvo zvinowanzova makore 30 mushure mekubuda). Kana iwe usingadi kubvunza mari yako ikozvino, asi iwe haungatombofungi kuitaura gare gare, zvisungo zvekuchengetedza zvinogona kubatsira.
Imwe kubhadhara mitero ndeye Dzidzo Yekuteerera Kwemari (kana Dzidzo Yokudzivirira Bond Program ).
Kana iwe uine mari muzvisungo zvako uye uzvishandise pamari yepamusoro yepamusoro yezvidzidzo zvepamusoro , iwe unogona kukonzera mari iyi kubva pamitero . Iva nechokwadi chekutevera mitemo ine chokuita nemhando yemari, mari yekuwana, nezvimwe. Iwe unogona kuwana tsanangudzo pa Savings Bond yeZvesiti yepaiti.
Pakupedzisira, mari yekusungirwa mari yekusungirwa mari inokonzerwa nemitero yehurumende uye yomunharaunda . Izvi zvinoreva kuti iwe unogona kupedza zvakawanda zvezvaunowana. Zvichienderana nehutano hwako, izvi zvinogona kuva chinhu chikuru kana kuti chisina basa.
Chikamu 1: Kukurukurirana kweMabhengi OkuchengetedzaChikamu 2: Dambudziko uye Dambudziko reMari yekuchengetedza
Chikamu 3: Tingatenga sei Kuchengetedza Bonds
Nemhaka yekuti vanotsigirwa nekutenda kwakakwana uye chikwereti chehurumende yeUnited States, ngozi yekutengesa kuzvisungo zvekuchengetedza iduku zvikuru . Hazviiti kuti hurumende isingakwanisi kubhadhara zvikwereti zvayo. Kana zvinhu zvakatora izvo zvakaipa, ndinofungidzira kuti unenge uine matambudziko akawanda anokurumidza kubata (kufanana nekuwana zvokudya, pokugara, kuchengeteka, nezvimwe).
Zvibvumirano paKununura Kwekuchengetedza Bonds
Kana iwe uchizoisa mari muzvisungo zvekuchengetedza, iwe unofanirwa kuziva nezvemiganhu yekuisa mari mukati mako. Haugoni kutenga mari mukati memwedzi mitanhatu kana 1 gore remutambo wekutanga wekutanga (mwedzi mitanhatu yezvisungo zvakabudiswa pamberi paFebruary 2003, 1 gore rezvisungo zvakabudiswa mushure meFebruary 2003). Uyezve, iwe uchapiwa chirango nokuda kwemari mukati memakore mashanu ekutanga (iwe unorasikirwa nemari yekupedzisira kwemwedzi mitatu).
Inflation
Nemhaka yokuti inenge yakachengeteka, zvisungo zvekuchengetedza hazvipei kudzoka kukuru. Izvi zvinoreva iwe uri panjodzi yekuona zvaunowana zvinowanikwa zvakakonzerwa nehupfumi. Nezvozvi mupfungwa, ndinokurudzira kushandisa bhadha dzekuchengetedza kwemamiriro ezvinhu apo iwe haugoni kukwanisa kuisa dambudziko kune gurukota. Kana uine nguva yakareba kusvikira iwe uchishandisa mari, iwe ungada kuongorora zvimwe zvikwereti.
Kana iwe uchizoshandisa kusungirwa zvipfeko, Shungu Izvisungo zvekuchengetedza zvinosanganisira chivako chinopesana nehupfumi . Iwe unowana imwe mwero yakatsetseka yakawandisa pamwe neanotengeswa-kutengesa.
Munguva dzemazuva ekukwira kwepamusoro, iwe unowana zvakawanda. Kana kutengesa kwepasi kuri kuderera, iwe unowana zvishoma.
Chikamu 1: Kukurukurirana kweMabhengi Okuchengetedza
Chikamu 2: Dambudziko uye Dambudziko reMari yekuchengetedza
Chikamu 3: Tingatenga sei Kuchengetedza Bonds
Munguva yakapfuura, unogona kutenga US Savings Bonds pamabhenji nemakambani emakwere, asi mazuva iwayo ari kumashure kwedu. Imari yePfuma inobvumira chete kutenga zvinhu zvepaIndaneti kana sechikamu chemari yako yekubhadhara mutero. Zvakare, kana iwe uchida mapepa emapurisa , nzira chete yekutora iyo ndeyebhadharo yako yemutero.
Iwe unogonazve kudzikinura zvipfeko zvepa pepa rekuchengetedza mari mune dzimwe nzvimbo dzemari, asi kuwana zvitsva hakusi nyore sezvazvaimbova.
Kana uri kutarisira kutenga zvisungo zvekuchengetera iwe pachako kana sechipo, ngationgororei zvaunosarudza zviri pasi pemitemo mitsva.
TreasuryDirect.gov - Buy Savings Bonds Online
Dhipatimendi reMariki ine webhusaiti yakanaka yekutenga zvikwereti zvekuchengetedza. Izvo zvinoshamisika zviri nyore uye zvinokurumidza - chero bedzi iwe uri kungozvitengera zvisungo iwe pachako. Kana iwe uri internet-savvy, iwe unogona kunge uri wekuzvikudza weimba yekuchengetera mari mumaminitsi mashoma gumi. Zvisinei, kana iwe uchiri kufunga nezvezvinhu zviri paIndaneti (kana kana pane zvigadzirwa zvemagetsi kana kuti zvakanonoka mameseji e-mail) iwe unogona kuva mune imwe nguva inogumbura.
Ini pachedu ndakave neruzivo rwakanaka apo ndakatenga zvisungo zvekusachengetedza paHaidy Direct , asi vamwe vave varombo. Ingove wakagadzirira kupedza nguva yakati pane kombiyuta yako.
Danho rokutanga ndokuumba nhoroondo . Iwe unofanirwa kupa hutano hunodikanwa hwehupenyu hwako hwakafanana nehuwandu hweNyu Social Security uye zuva rekuberekwa, uye iwe unofanirwa kuisa mibvunzo yekuchengetedza uye mhinduro kune yakawanda pane imwe nzvimbo yezvemari yewebhu.
Iwe uchabatanidza nekambani yebhangi kuAprivacyDirect account yako kuti uwane mari yako yekuchengetedza kushandiswa. Pakupedzisira, tsvaga email kubva kuHaiduryDirect iyo inopupurira account yako uye inopa nhamba yako yenyaya.
Kana uchinge wapinda, unogona kutenga zvakasiyana-siyana zveHurumende yekutengeserana. Iko kune kunyange "Purchase Express" fomu pane peji rekugamuchira kana iwe uchiita tsika yekutenga zvikwereti zvekuchengetedza.
Iyi sarudzo inokubvumira kuti uwedzere nokukurumidza pane zvaunobatira kunze kwekunge ufanane nemashoko akafanana iwe unowanzopinza.
Kutenga zvisungo zvinenge zvishoma nyore nyore - mungave kana kwete kushandisa Purchase Express. Ndaitarisira zvimwe ruzivo pamusoro pezvandakanga ndichiita ndisati ndava kukwezva, asi zvichida ndinongoda katatu-chengeta ndisati ndanyora. Kana iwe uchida kufamba nokukurumidza paIndaneti, iva nechokwadi chokuti unoziva zvauri kupinda (nguva yakareba sei kuchengeta zvisungo, somuenzaniso) usati wasimbisa chero chinhu.
Kutenga Zvikwereti Zvokuchengetedza sezvipo
Zvibvumirano zvekuchengetedza zvinowanzopiwa sezvipo, uye iwe unogonazve kutenga zvisungo kune mumwe munhu - kana iwe unotenga paIndaneti kana nekutora mutero wako. Zvinosuruvarisa, nzira yekutsvaga paIndaneti uye kupa chipo iri yakaoma, uye haisi kungonzwa zvakafanana kana iwe usingakwanise kupa chikamu chaicho.
Kuti utenge chibvumirano sechipo, iwe uchishandisa iyo yega yeAprivacyDirect account, asi mupiro unoda bhadha rake kuti agamuchire chipo (ichi ndicho chirevo chikuru chekutsvaga sangano iri). Kana mupiki ari pasi pemakore gumi nemasere, mubereki womwana kana mutarisiri anoda kuzarura nekambowo zvakare (uye ozarura "Minimum Linked Account" pasi pebhuku ravo). Mukuwedzera, iwe unoda mupiriri weNational Security Number apo iwe unotenga chisungo chekuchengetedza.
Kana vabereki vemwana wacho vasingakwanisi kana kuti vasati vambozarura account yeAprivacyDirect, iwe unogona kutenga zvisungo, uzvigadzirire mu "Account Box" yako pachako, uye uende nazvo pane imwe nguva inotevera.
Kutenga Savings Bonds neMutero Wemitero
Kana uine mwoyo wako wakagadzirirwa kutenga mabhizinesi ekuchengetedza mapepa, unogona kuzviita nemutero wako wemari. Zvisinei, iwe unogona kuwana tu Series Izvisungo pamwe nenzira iyi.
Paunoshandisa mitero yako, shandisa Fomu 8888 kutenga zvisungo pamwe nechikamu chekudzorera kwako. Iwe unofanirwa kutenga mu $ 50 kuwedzera, uye iwe unogona kukwira kusvika ku $ 5,000 muzvisungo panguva imwechete. Iwe unogona zvechokwadi kutenga mabhandi iwe pachako, uye iwe unogonawo kushandisa mari yako yekubhadhara kutenga zvisungo zvekuchengetedza sezvipo; ingopinda zita remugadziri pane fomu. Zvinyorwa zvako zvepa pepa zvichakutumirwa kwauri, uye iwe unogona kuzovadzikinura pabhangi kana kubhadhara chikwereti chinoshanda nezvisungo zvekuchengetedza.