Kusarudza Chero Chikoro cheDhipatimendi kana Money Market Chiri Nani Kwauri
Zvichienderana nemamiriro maviri emakambani uye maitiro ako akasiyana-siyana, mamiriro ako ega, zvigadziro, uye iwe unofarira kudyidzana kwepodfolio, zvimwe, kana zvose, zvinokwanisa kugadzirisa zvaunoda iwe paunenge uchitsvaka nzvimbo kuti uwane nzvimbo yakachengetedzwa yakasununguka asi iwe usingadi kuti apinde muzvivimbiso zvakadai semitero-isina masisita emasungwa kana zvibvumirano zvekambani .
Muchikamu chino, ndinoda kutora nguva kuti ndikufambe kuburikidza nheyo dzekutsvaga mari mumashamba maviri emari uye zvigwaro zvekuisa, kuratidza zvinhu zvaungada kuzvitarisira nekuzvisiyanisa, saka une pfungwa iri nani pamusoro pezvinoita kuti zvive zvakasiyana. Iko tariro yangu yokuti nenguva yawakapedza kuiverenga, iwe uchanzwa uchinzwa wakasununguka apo, pane imwe nguva mune ramangwana, iwe unosarudza kuwedzera chimwe kana kuti zvose zviri zviviri zvezvikwereti kune bhajiro rako pachako; kuti iwe uzviwanire wakashonga ruzivo runogona kukudzivirira kubva pakuita zvikanganiso kana kugumburwa mumamiriro ezvinhu iwe ungadai wakadzivisa.
A Basic Basic Summary Certificates of Deposit
Chikwangwani chekuisa mari, icho chinozivikanwa seCD pane zvishomanana, inzvimbo yakakosha yechikwereti chinogadzirwa nemabhangi uye nedzimwe sangano rezvemari rakagadziriswa kune avo vanoda kuisa mari yavo yekuchengetedza uye kuwana mari inowanikwa mubereko. Bhengi inotora mari iyo yakareba yakatarwa nguva yakareba, inowanzopa mubairo vatengesi nemichero yakakwirira iyo inosunga mari yavo nguva refu (kunyange izvi zvingasiyana nemufananidzo wezvakabereka) uye inovimbisa kudzorera iyo pakukura.
Kune FDB mabhengi akachengetedzwa, bhengi iri kuvimbisa kubhadhara mari yakasungirirwa mune chivigiro chekuisa mari yakafukidzwa nehurumende kusvika kumiganhu ye FDIC saka kunyange kana bhangi ikoromoka, muridzi weCD anofanira kuramba achidzosera mari yake.
Zvechokwadi, paunotenga chiremba chekuisa mari, unokweretesa mari kubhangi. Bhizinesi rinotendeuka uye rinopa zvikwereti kune vakwereta, zvichiita kupararira pakati pezvavanofarira zvinokubhadhara iwe uye nepamusoro inowanikwa iyo inokweretesa chikwereti. Yakaita zvakarurama, munhu wose anokunda. Ndiyo nyaya yekuita zvehupfumi kuita izvo hutungamiri hunoita zvakanakisisa: Kugovera njodzi, zvigaro, uye mibayiro kune mapato anoda kuitakura kuti ave nani pane zvese zvinowanikwa munyika yose. Iwe haufaniri kunetseka nekutarisa chikwereti chekwereti chevangadai vakwereta, kunyatsobudisa kubhadhara mabhengi emabhangi kubhangi, uye vagari vebhangi vanoita purofiti, iyo yakawanda iyo inoparadzirwa semari inokonzerwa nemari.
Paunotenga chiremba chekuisa mari, mari inotorwa kubva ku-akhawunti yako (kana iwe nenzira imwe neimwe unounza mari, zvakadai sekunyora cheki kana kuunganidza mari kune imwe yezvemari). Mumazuva akapfuura, iwe wakapiwa chigwaro chemuviri kuti ugare kusvikira pakukura, asi munguva dzemazuva ano, inowanzogadzirwa nemagetsi; mifananidzo pakombiyuta kana kupiritsa.
Iwe unosarudza kuti unoda kwenguva yakareba sei kusunga mari yako uye kugamuchira chikwereti chekufarira icho chakataurwa pamusoro pehuwandu hweCD. Zvichienderana nezverudzi rwechipo chekutumira iwe uri kutenga, uye mazwi, chikwereti chaunowana chaunowana chichagoverwa iwe mwedzi wega wega, wega wega, kana gore negore, kana kuti chichawedzerwa kukosha kwechipo chekuisa, kukubvumira kuti uzvitaure pakukura.
Mumakore achangobva kupfuura, zvave zvakajairika kune dzimba dzepamusoro dzekutengeserana kubvumira vatengi kutenga zvigwaro zvekuisa mari dzavo mumabhengi ekubhadhara uye kubhadhara mari, Roth IRA kana Rollover IRA . Inogona kuva inobatsira nokuti iwe unogona kuchengeta zvigwaro zvekuisa mari, yakabudiswa nemasangano akawanda akasiyana-siyana, munguva inenge iri mune imwe nzvimbo yepamusoro yepamusoro peimwe nzvimbo, nzvimbo yakakodzera, ichiri kufarira FDIC kuchengetedzwa.
Zvakakosha kune vashandi vepfuma vangave vasina kukanganisa FDIC miganhu. (Imwe nzira, kana ukasarudza kutenga zvigwaro zvekuisa kubva kune imwe sangano, ndeyokushandisa kuribhadhara pamakafa ekufa kuti uwedzere kuwedzera mukana wako wekugadzirisa FDIC, kunyange iyo inouya nekunaya kwayo .)
Zvitatimiti zvekubhadhara mari inokwana $ 100,000 kana kupfuura zvinonzi "Jumbo CDs" uye zvinowanzorayira huwandu hwemari.
Mune zvimwe zviitiko, unogona kushandisa chiremba chekuisa mari yekuumba chikwereti chakachengetedzwa chekwereti, bhangi rakabata CD sechimiro chekubatana. Inogona kuva nzira yekugadzirisa yeka cake yako nekuidya nayo, zvakare; kuti uzvipe iwe huwandu hwekuwana mari inogona kuwanikwa sezvo iwe uchiwana mubereko wekuwana mari.
Kana iwe uchida kuwana mari yawakasungira muhodhi yako yekuisa mari mberi kwezuva rokukura, iwe unoita sei kuitora kunobva pane chechi uye iyo CD chaiyo yawana. Mazhinji mabhanga emagariro achakudzikinura iwe mukutsinhanisa chikwereti chechikwata chechirango, sekupa kwemwedzi mitanhatu yekutora mubereko. Broker-traded certificates of deposit, kune rimwe divi, inofanira kunyorwa zvakananga nenzira iyo zvisungo zviri kutengeswa pakati pevatengesi. Iwe unofanira kumirira kuti mumwe munhu aite bhizinesi pairi, uye inogona kunge iri pasi pehuwandu hunowanikwa hwechipo chekuisa.
A Basic Summary of Money Markets
Apo varairimi vachitaura nezvemisika yemari, kazhinji havazivi kuti kune zvidimbu zviviri zvemhando yemari yemari yemisika. Izvi zvinogona kuonekwa zvakafanana asi, zvakarongeka uye kubva pakuona njodzi, zvakanyanya, zvakasiyana.
Mari yeMakethe Accounts - Idzi idzi dzinokosha dzekuchengetedza mari yeDFC inopiwa mabhangi. Vanowanzobhadhara mari yepamusoro yekutora kune mari yakawanda yekuchengetedza mabhuku asi vane kodzero dzekudzorera zvishoma, sekuisa mamiriyoni pane nhamba yeongororo inogona kunyorwa pamusoro pekambani mumwedzi mitanhatu isina kubhadhara mari. Kuti udzidze zvakawanda pamusoro pavo, verenga Ndeapi Mari yeMakambani Akanyorwa? .
Mari Mari yeMarike - Iyo inozivikanwawo semari yemari yemakambani emari , izvi hazvireviki neDFIC asi, panzvimbo pacho, ndeye mari inobatanidza iyo inobata zvikwereti zvakadai seMarikiti mabhizimusi uye zvigwaro zvekuisa. Mari yemusika mari yakagadzirirwa kuchengetedza mari inosvika $ 1 per share panguva dzose, asi kana vakundikana kuita kudaro, inozivikanwa se " kuputsa buck " uye inogona kukonzera kumhanya pane mari. (Kana iwe uri kuisa mari inotora 401 (k) chirongwa chebasa, unogona kusangana nechimwe chinhu chinozivikanwa sechinhu chinogadziriswa chechikwata. Kazhinji, izvi zvinotarisa uye zvinoshanda semari yemari yemari asi, pane kudaro, inodzokera shure nesangano rine inshuwarisi kambani, iyo inopa chivimbo chekupiwa kwechikwata chinokonzerwa kana chikwata chekuwedzera mitengo.) Unogona kuwana mari yemusika mari yakakonzerwa nemutengo wako wepamusoro uye wemari. Semuenzaniso, kana iwe uri mukuru wemari anowanikwa muNew York City, panguva dzemazuva ose kana yepamusoro yekutora mari, kuwana mari yemusika mari inonyanya kusarirwa musero musarudzo manheru eNew York uye zvivimbiso zvinogona kureva kuchengeta mari yakawanda yakawanda muhomwe yako kupfuura makwikwi ekukwikwidzana, kusanganisira mari mari yemakiti uye zvigwaro zvekuisa mari, kunyange kana iyo yekupedzisira ichiita seyokupa zvibereko zvakakwirira pakutanga. Zvechokwadi, izvi hazvibatsiri kana iwe uri kuisa mari kuburikidza nemutero wekubhadhara mutero kana wekusabhadhara mutero.
Kuenzanisa Zvitatimiti zveDhipatimendi uye Mari Makambani
Zvinhu zvishomanana zvinouya mupfungwa paunofunga pamusoro pemhando ipi yekutsvaga iri nani:
- Uine chikwata chekuisa, iwe unogona kuverenga mari yako inotarisirwa pakutanga kwekutsvaga. Iwe unoziva chikwereti chako chido. Iwe unoziva bhakiti yako yemitero. Hazvikwanisiki nemari yemari yemakambani kana mari yemusika yemari nokuti chikwata chekufarira chichasiyana maererano nenguva uye hachina kuvharwa nenzira iyo ine chidziro chekuisa.
- Zvitatimiti zveDhipatimendi zvakagadziriswa neDICIC kusvika ku $ 250,000.
- Zvitatimiti zvepaiti ndeye nzira yakakodzera kune vakwegura pedyo nekuguma kweupenyu hwavo hwekutarisira avo vanoda kuisa pfungwa pamusoro pekuchengetedzwa kwekuchengetedzwa kwekuchengetedza - kuchengeta zvavainazvo panzvimbo yekuzvidya mwoyo pamusoro pekuwedzera mari yavo - kwekusara kwoupenyu hwavo.
- Nekiti chekuisa, kusarudza kwenguva yakareba kunosanganisira imwe nzvimbo yemukana wekutengesa mari . Kana iwe uchinge wavhara mari yako, zvichida ndiwe uchawana chikwata chapamusoro. Zvinogona kuva zvakanaka, kunyanya kana mitero inoramba ichingopera sezvaunosungirirwa kune vanobhadhara mari. Kune rumwe rutivi, iwe hauna kuwana nyore nyore mari yako kwenguva yakareba yenguva, kuderedza kuchinja kwako. Kusiyana neizvi, kunze kwekunge kune dambudziko rega rega kana mari-yakashata yakaipa, maitiro akanaka zvakanaka mari yako yemisika inenge iripo kwauri kune zvakawanda zvishoma nekutambudza nekukakavara; foni, cheki chinyorwa, kana pfuti pfupa kubva pane kutamirwa chero kupi kwaunoda kuti mari iende.
- Nemisika yemari, mutengo wekufarira unofananidzwa zvakananga nehuwandu hwemari yezvokutengeswa, kwete kukura sezvinoitika nezvikwangwani zvekuisa. Somugumisiro, misika yemari haina kuwandisa inobatsira kune vashandi vanobudirira.
Chirevo? Kunyange zvazvo zvikwangwani zvose zvekuisa mari nemisika yemari zvichibatsira, kune avo vanoda kuwana mari yavo uye / kana kuti vane zviyero zvepamusoro zvemari, misika yemari inowanzosarudzwa. Kune avo vanoda nguva yekukura kune zvimwe zviitiko kana kubatsirwa kubva pakuda kuvhara kuchengetedza kwenguva yakareba, zvigwaro zvekuisa mari inowanzova sarudzo yepamusoro yehupfumi. Mamiriro ako akaenzana achasiyana, uye iwe ungada kukurukura zvaunogona kusarudza nemudzidzisi wekutsinhanisa kana mumwe unyanzvi akadzidzira, asi zvimwe zvose zvakaenzana, iyo mitemo yakawanda inofanira kupa hunogutsa hunogadziriswa hwezvisarudzo.