Unofanira Kutenga Zvitatimiti zveDhipatimendi kana Kuzviisa Mumari Misika?
Chaizvoizvo, uri kukwereta bhadha mari yako mukudzoka kwekufarira.
Iko CD inonyora tsamba iyo bhengi inokutaurira iwe. Ndiyo mabhengi anowana mari yavanoda kuti vaite zvikwereti. Kufarira kwaunogamuchira kuri pasi pekubhadhara kunowanikwa kune chikwereti. Ndiyo mabhengi anoita mari. Asi iwe unowana purogiramu yepamusoro yehuwandu kupfuura iwe waunoda kuti uone kufarira kutora nhoroondo. Izvozvo nokuti iwe haugoni kubvisa mari ye nguva yakabvumirana.
Zvitsva Zvitatu
Pane zvinhu zvitatu zvinobatsira maCD. Chokutanga, mari yako yakachengeteka. Federal Deposit Insurance Corporation inochengetedza maCD kusvika ku $ 250,000. Hurumende yehurumende inovimbisa kuti hauzotongorasikirwi nheyo yako. Nokuda kwechikonzero ichocho, vane pangozi shoma pane zvisungo, mashizha kana zvimwe zvinowedzera mari.
Chechipiri, vanopa zvikwereti zvinodarika zvakanyanya kupfuura kuverenga-kutarisa kutarisa uye kukonzerwa kwekombiji. Vanopawo mari yepamusoro yemari kune dzimwe dzimba dzakachengeteka, dzakadai semari-misika yemakambani kana mari yemusika mari .
Iwe unogona kutengesa zvakapoteredza kuti uwane zvakanakisisa. Mabhanki maduku anopa huwandu hwemari nokuti vanoda mari. Nhandare-yega mabhangi ichapa mazinga akakwirira kudarika mabhangi uye mabhendi emvura nekuti mari yavo inoderera.
Zvitatu Zvisingabatsiri
Ma CD ane matambudziko matatu. Iko kusakosha kukuru ndechokuti mari yako yakasungirirwa nokuda kwehupenyu hwechikwangwani.
Iwe unobhadhara chikwereti kana uchida kubvisa mari yako nguva isati yakwana.
Chechipiri kusagadzikana ndechekuti iwe unogona kurasikirwa nemikana yekutsvaga inoitika apo mari yako yakasungirirwa. Semuenzaniso, iwe unomhanya mukana wekuti zvikwereti zvinowedzera kune dzimwe mishonga panguva yako. Kana zvichitarisa kufarira kutengesa, iwe unogona kuwana kwete-chirango CD. Iko inokubvumira kuti uwane mari yako kumashure pasina mutero chero nguva mushure memazuva matanhatu ekutanga. Vanobhadhara kupfuura mari yemusika, asi pasi peCD nguva dzose. (Chinobva: "Zvitatimiti zveDhipatimendi," Ally Bank.)
Dambudziko rechitatu nderekuti maCD haabhadhara zvakakwana kuti arambe achiwedzera nehuwandu hwekutengesa. Kana iwe uchingotora mari muCD, iwe ucharasikirwa nehupenyu hwako munguva yakareba. Nzira yakanakisisa yekuenderera mberi mberi kwekutengesa kwenyika ndeyekutengesa mashizha, asi iyo inokuvadza. Iwe unogona kurasikirwa nehuwandu hwemari. Iwe unogona kuwana kudzoka kwepamusoro pasina njodzi neMariyo yeZvivigiro Zvidziviriro Zvidzivirirwa kana I-Bonds . Nhamo yavo ndeyokuti iwe ucharasikirwa nemari kana pane kutadza.
CDs Pamusoro peMarikiti yeMari yeMarike uye Mari Mari Mari
Zvitatimiti zvepaiti zvinopa mari yemari yemari kutenga mari. Somugumisiro, kudzoka kwavo kunenge zvishomanana kudarika zvaunowana pane CD.
Kubatsirwa iwe unogona kutora mari yako kunze chero nguva pasina chirango. Chimwe chikomborero ndechekuti kana zvikwereti zvinokwira zvichikwira, iwe hauna kuvharwa mune imwe nguva yakatarwa yekudzoka. Vanhu vazhinji vanoda izvi kuchinja. Marika yemari mari inoshandiswa maakaiti zvakare FDIC inopihwa.
Mari yemusika mutendi mari inosarudza mutengo wemari inoshandiswa muCD uye pamwe nemamwe emari yemari . Izvi zvinotengeswa nebhangi, iwe mutengesi, kana imwe nzvimbo yezvemari. Kufanana neCD, unogonawo kubvisa mari chero nguva. Izvo zvakaderera ndeye FDIC haina kuvadzivirira.
Ma CD CD Rates Akaiswa sei
Mabhangi anoshandisa mari kubva pakabudisa maCD kuti akweretwe, kubata muzvigadziro, kana kupedza mabasa avo. Asi vane zvimwe zvakawanda zvisarudzo. Izvo zvinoshandiswa zvinoratidza kuti chido chemari mabhenji anowiridza paCD.
Iko inodyidzwa mari inotengeswa ndiyo yakaderera-inotenga mari yemari.
Bhenji iri pakati penyika, Federal Reserve , rinotarisa iyo purogiramu. Asi mabhangi anogona kushandisa chete mari yakadyidzwa kuti asangane nechinangwa chekuchengetedzwa usiku ihwohwo.
Nezvimwe zvidikanwi, mabhenji anotora kubva kune mumwe kune Libor chiyero. Ndiyo London Interbank Offer Rate. Bhengi inobhadhara chikamu ichocho pamwedzi mumwe, mwedzi mitatu, gore rimwe chete uye makore mashanu emari chikwereti. Vanobhadhara zvakanyanya Libor kupfuura ivo vanobhadhara maCD. Asi maCD anovadzora zvakawanda nokuti vanofanira kuvapa. Vanokwanisa kungoita fironi Libor zvikwereti kune mumwe nemumwe. Vanokwanisawo kubhadhara zvakapfuura zvinowanikwa maCD CD.
CD madhigirii achave akaderera pane zvavanotengesa avo vanonyanya kukosha kutenga mari, inozivikanwa seyo prime rate , nokuti mabhengi anofanira kuita purofiti. Mari yavo inobva kune inowanikwa inowanikwa nevakwereta. Mari yavo inoshandiswa kubhadharwa kune vanokweretesa, zvakadai semamwe mabhangi, vanoisa mari mumashamba emari, uye vanoisa muCD. Nokudaro, mari inobhadharwa paCD inenge ichikwirira kudarika iyo inodyidzana mari, asi yakaderera kupfuura yepamusoro.