Ndi akaunti yanji yaku banki yomwe idapangidwa ku Africa?

Africa, dziko lomwe likukumana ndi kukula kwachuma, limapereka mwayi wosiyanasiyana wokhudzana ndi ntchito zamabanki. Apo kupanga akaunti yakubanki kutengera zosowa ndi zolinga zachuma za anthu ndizofunikira kulimbikitsa kukula kwachuma ndikuthandizira kupeza ntchito zachuma.

Munkhaniyi, tisanthula mwatsatanetsatane mitundu yosiyanasiyana yamaakaunti akubanki omwe amapezeka ku Africa komanso maubwino omwe amapereka kwa okhala komweko komanso ochokera kunja. Ku Africa, maakaunti apano ndi amodzi mwamaakaunti aku banki omwe amagwiritsidwa ntchito kwambiri.

Maakaunti awa amalola eni ake kuchita zochitika zatsiku ndi tsiku monga madipoziti, kuchotsa ndi kusamutsa. Nthawi zambiri amabwera ndi kirediti kadi yomwe imalola kupeza ndalama mosavuta.

Koma musanayambe, apa pali maphunziro omwe amakulolani kutero Pezani 1000euros/Tsiku pa 5euros.com. Dinani apa kuti mugule

🌿 Kodi akaunti yakubanki ndi chiyani

Un Akaunti ya kubanki ndi ntchito yofunikira yazachuma yoperekedwa ndi mabanki, kulola anthu ndi mabizinesi kusungitsa, kusamalira ndi kuteteza ndalama zawo. Awa ndi makonzedwe a mgwirizano pakati pa eni akauntiyo ndi banki, yomwe imapereka mwayi wopeza ndalama motetezeka komanso mbali zosiyanasiyana zandalama.

Akaunti yakubanki imapereka zingapo phindu lalikulu. Choyamba, imalola omwe ali ndi akaunti sungani ndi kusunga ndalama zawo. Ndalama zomwe zimasungidwa ku banki nthawi zambiri zimatetezedwa ndi malamulo akubanki ndipo zimatha kubwezedwa pakafunika. Izi zimapereka mtendere wamalingaliro ndi chitetezo chandalama.

Kuphatikiza apo, akaunti yakubanki imapangitsa kuti zikhale zosavuta kasamalidwe ka ndalama. Omwe ali ndi akaunti amatha kupanga madipoziti, kuchotsa, kusamutsa ndi kulipira kuchokera ku akaunti yawo, kufewetsa ntchito zatsiku ndi tsiku komanso mabizinesi.

Maakaunti akubanki amathanso kulumikizidwa ku kirediti kadi kapena kirediti kadi, zomwe zimapangitsa kuti pakhale kusintha kwakukulu pakugula ndi kulipira.

🥀 Akaunti yosungira

Un akaunti yosungirako ndi mtundu wa akaunti yoperekedwa ndi mabungwe azachuma omwe amalola anthu kusungitsa ndalama zawo kuti asunge ndikukulitsa ndalama zomwe adasunga. Imapereka njira yothandiza yoyika ndalama pambali ndikukulitsa pakapita nthawi.

Potsegula a akaunti yosungirako, nthawi zambiri zimakhala zofunikira kupanga ndalama zoyambira. Ndalamazi zitha kusiyanasiyana malinga ndi zomwe banki kapena bungwe lazachuma likufuna. Kusungitsa koyamba kumeneku kumatha kuwonedwa ngati gawo loyamba lokwaniritsa zolinga zanu zachuma.

Akaunti yanu ikatsegulidwa, ndalama zomwe mumayikamo zimayamba kupanga zokonda. Chiwongola dzanja ndi ndalama zomwe mumapeza pazosunga zanu. Amawerengedwa kutengera kuchuluka kwa akaunti yanu pa nthawi yomwe mwapatsidwa ndipo amawonjezeredwa ku akaunti yanu pafupipafupi. Chidwi ndi chinthu chofunikira kwambiri pakukulitsa ndalama zomwe mwasunga.

Maakaunti osungira akhoza kukhala ndi a chiwongola dzanja chokhazikika kapena chosinthika. Chiwongola dzanja chokhazikika chimatanthawuza kuti chiwongoladzanjacho chimakhala chokhazikika kwa nthawi yeniyeni, pamene chiwongoladzanja chosinthika chikhoza kusinthasintha malinga ndi momwe msika ulili komanso ndondomeko za banki kapena bungwe lazachuma. Ndikofunika kumvetsetsa mtundu wa chiwongoladzanja chokhudzana ndi akaunti yanu.

✔️ Ubwino wa akaunti yosungira

Chimodzi mwazabwino za a akaunti yosungirako ndikuti imapereka zina sécurité pangani ndalama zanu. Ndalama zanu zimatetezedwa ndi zitsimikizo ndi malamulo a mabungwe azachuma, kuchepetsa chiopsezo cha kutaya kapena kuba. Izi zimakuthandizani kuti mugone bwino podziwa kuti zomwe mwasunga ndi zotetezeka.

Ubwino wina waukulu ndi liquidit zoperekedwa ndi akaunti yosungira. Ngakhale pangakhale zoletsa pakuchotsa, nthawi zambiri mumatha kupeza ndalama zanu zikafunika. Izi zimakupatsani mtendere wamumtima podziwa kuti ndalama zanu zilipo pakagwa mwadzidzidzi kapena pochita ntchito zofunika kwambiri.

Maakaunti osungira nawonso ndi chida chofunikira kuti mukwaniritse zanu zolinga zachuma. Kaya mukusunga kuti mugule zinthu zazikulu, monga nyumba kapena galimoto, kapena kukonzekera kupuma pantchito, akaunti yosungira ndalama ingakuthandizeni kumanga thumba lolimba. Zimakupatsani mwayi woyika ndalama pambali nthawi zonse ndikuwunika momwe mukupita ku zolinga zanu zachuma.

Pokhala ndi a akaunti yosungirako, mumapanganso a ndondomeko zachuma. Polekanitsa ndalama zomwe mwasunga ku akaunti yanu yoyang'anira, mumapewa kuwononga ndalama mopupuluma ndikuyang'ana cholinga chosunga. Izi zimakuthandizani kuti muzitha kuyendetsa bwino ndalama zanu komanso kukhala ndi zizolowezi zabwino zopulumutsira.

✔️ Kuyipa kwa akaunti yamtunduwu

Ndikofunikira kudziwa kuti maakaunti osungira akhoza kukhala ndi zina kuipa. Mwachitsanzo, chiwongola dzanja chingakhale chotsika, zomwe zingachepetse kukula kwa ndalama zomwe mwasunga. Kuphatikiza apo, kukwera kwa mitengo kungathe kuchepetsa mtengo weniweni wa ndalama zomwe mwasunga pakapita nthawi. Chifukwa chake ndikofunikira kuganizira izi pokonzekera zolinga zanu zachuma.

Maakaunti ena osunga ndalama amathanso kukakamiza zoletsa kuchotsa kapena kuphatikiza ndalama zokhudzana ndi zochitika zina. Ndikofunikira kumvetsetsa bwino zomwe akaunti yanu ili nayo musanatsegule kuti mupewe zodabwitsa zosasangalatsa.

Pomaliza, a akaunti yosungirako ndi chida chamtengo wapatali chandalama chopulumutsira ndikukulitsa ndalama zanu. Limapereka maubwino monga chitetezo, ndalama zamagulu, kuthekera kopeza chiwongola dzanja, komanso kuwongolera zachuma.

Komabe, ndikofunikira kuganizira zovuta zomwe zingatheke monga chiwongola dzanja chochepa komanso zoletsa zochotsa. Ndi kukonzekera mwanzeru komanso kasamalidwe koyenera, akaunti yosungira ndalama ikhoza kukuthandizani kukwaniritsa zolinga zanu zachuma zanthawi yayitali.

🥀 Akaunti yamakono kapena akaunti yochezera

Un akaunti yapano ndi mtundu wa akaunti yakubanki yomwe imalola anthu kuyang'anira zochitika zawo zachuma zatsiku ndi tsiku. Iyi ndi akaunti yomwe imagwiritsidwa ntchito kusungitsa ndi kuchotsa ndalama, kulipira, kulandira madipoziti amalipiro, ndi kuyang'anira zinthu zomwe zimagwiritsidwa ntchito tsiku ndi tsiku.

Mukatsegula a akaunti yapano, mutha kupanga ndalama zoyambira kapena kusamutsa ndalama kuchokera ku akaunti ina yomwe ilipo. Akauntiyi idapangidwa kuti izigwiritsidwa ntchito pafupipafupi ndipo imakupatsani mwayi wopeza ndalama zanu.

✔️ Ubwino wamaakaunti aposachedwa

Chimodzi mwazinthu zofunika kwambiri za a akaunti yapano ndi malo olowera ku ndalama. Mutha kutapa ndalama pogwiritsa ntchito kirediti kadi yolumikizidwa ndi akaunti yanu, kulipira ndi cheke kapena kusamutsa pakompyuta, komanso kugwiritsa ntchito ntchito zolipirira pa intaneti monga mapulogalamu am'manja kapena ma wallet a digito.

Ubwino wina waukulu wa akaunti yamakono ndi kusinthasintha zomwe zimapereka potengera kayendetsedwe kazachuma. Mutha kupanga ma depositi ndikuchotsa nthawi iliyonse, kukulolani kuti muzitha kuyendetsa bwino ndalama zanu. Kuphatikiza apo, mutha kukhazikitsa zolipirira zokha kuti mulipire mabilu anu anthawi zonse, kupangitsa kukhala kosavuta kusamalira ndalama zanu.

Maakaunti apano atha kugwiritsidwanso ntchito kulandira madipoziti amalipiro. Abwana anu amatha kuyika malipiro anu mwachindunji muakaunti yanu yoyendera, kukulolani kuti mupeze ndalama zanu mwachangu ndikuzigwiritsa ntchito pazosowa zanu zatsiku ndi tsiku.

Ubwino wina wofunikira ndi sécurité zoperekedwa ndi maakaunti apano. Ndalama zanu zimatetezedwa ndi chitsimikizo cha banki ndi malamulo, kuchepetsa chiopsezo cha kutaya kapena kuba. Kuphatikiza apo, mabanki nthawi zambiri amapereka njira zowonjezera zotetezera monga kuyang'anira zochitika zokayikitsa komanso kuletsa khadi lanu ngati litatayika kapena kubedwa.

✔️ Kuipa kwa akaunti yamakono

Komabe, pali zovuta zina zomwe muyenera kuziganizira. Maakaunti apano nthawi zina amakhala nawo ndalama monga ndalama zolipirira akaunti, zolipirira transaction kapena chindapusa chogwiritsa ntchito zina. Ndikofunikira kumvetsetsa zolipirirazi ndikusankha cheke akaunti yomwe ikukwaniritsa zosowa zanu zachuma.

Mwachidule, akaunti yamakono imapereka zabwino kusinthasintha komanso mosavuta kupeza kundalama zanu kuti muzitha kuyang'anira zochitika zanu zatsiku ndi tsiku. Zimakuthandizani kuti mulandire madipoziti amalipiro, kulipira ndikuwongolera ndalama zanu zatsiku ndi tsiku. Komabe, ndikofunikira kudziwa zolipirira zomwe zimagwirizana ndikusankha akaunti yoyang'anira yomwe ikukwaniritsa zosowa zanu.

🥀 Maakaunti amsika wandalama (CMM)

Les akaunti ya msika wa ndalama (CMM) ndi maakaunti oyika ndalama omwe amaperekedwa ndi mabungwe azachuma omwe amalola osunga ndalama kuyika ndalama zawo mu zida zanthawi yochepa. Maakaunti awa amapereka njira ina yosiyana ndi maakaunti osunga ndalama ndipo nthawi zambiri amawonedwa ngati njira yotsika mtengo yoyika ndalama.

✔ Mapindu

Mmodzi mwa ubwino waukulu wa akaunti ya msika wa ndalama ndi mwayi wopeza chidwi chapamwamba poyerekeza ndi maakaunti osunga ndalama. Ma CMM amaika ndalama zotetezedwa kwakanthawi kochepa monga mabilu a Treasury, satifiketi za depositi (CDs), ndi ma bond apamwamba kwambiri amakampani.

Ma CMM amaperekanso kuchuluka kwamadzimadzi. Izi zikutanthauza kuti mutha kupeza ndalama zanu mwachangu pochotsa kapena kusamutsa ndalama ku akaunti yanu yoyang'anira. Izi zimapangitsa kukhala njira yokongola kwa iwo omwe amafunikira kusinthasintha komanso kupezeka kwa ndalama zawo mwachangu.

Ubwino wina wamaakaunti a msika wa ndalama ndi sécurité zomwe amapereka. Ma CMM amaika ndalama pazida zotsika mtengo, zomwe zimachepetsa chiwopsezo cha kutaya ndalama. Kuphatikiza apo, maakauntiwa nthawi zambiri amakhala ndi inshuwaransi ya boma mpaka ndalama zina, zomwe zimapereka chitetezo chowonjezera kwa osunga ndalama.

✔️ Zoyipa

Komabe, ndikofunikira kuzindikira kuti maakaunti amsika wandalama angakhale ndi zina kuipa. Chiwongola dzanja chokhudzana ndi ma MMC chikhoza kukhala chosiyana ndipo chikhoza kukhudzidwa ndi momwe msika uliri. Kuphatikiza apo, kubweza kwa ma CMM kumatha kukhala kotsika poyerekeza ndi mitundu ina yanthawi yayitali, monga masheya kapena ma bond.

Mwachidule, maakaunti amsika wandalama amapereka njira yosungitsira kwakanthawi kochepa yokhala ndi kubweza kwakukulu kuposa maakaunti osunga ndalama. Amapereka ndalama zambiri, chitetezo chowonjezereka komanso kusiyanasiyana kwa ndalama.

🥀 Zikalata za depositi

Les zizindikiro za deposit (CD) ndi zida zanthawi yayitali zoperekedwa ndi mabungwe azachuma. Amalola osunga ndalama kuyika ndalama zinazake kwa nthawi yokhazikika ndikulandila chiwongola dzanja. Ma CD amaonedwa kuti ndi ndalama zomwe zili pachiwopsezo chochepa ndipo amapereka phindu lalikulu kuposa maakaunti osunga ndalama.

Mukayika ndalama mu a satifiketi ya deposit, mumasankha nthawi yeniyeni, yotchedwa nthawi ya kukhwima. Nthawiyi imatha kusiyana ndi miyezi ingapo mpaka zaka zingapo, kutengera zolinga zanu zachuma komanso kulolerana kwanu pachiwopsezo. Panthawi imeneyi, ndalama zanu zatsekedwa ndipo simungathe kuzipeza popanda chilango.

✔ Mapindu

Mmodzi mwa ubwino waukulu wa zizindikiro za deposit ndi sécurité zomwe amapereka. Ndalama zanu nthawi zambiri zimakhala ndi inshuwaransi ndi boma mpaka ndalama zina, zomwe zikutanthauza kuti ngakhale bungwe lazachuma litasowa, mudzabweza ndalama zanu zoyambira. Izi zimapangitsa kukhala ndalama zokopa kwa iwo omwe akufunafuna chitetezo chowonjezera pazosunga zawo.

Ma CD amaperekanso chiwongola dzanja chokhazikika kapena zosintha. Chiwongoladzanja chokhazikika chimatanthauza kuti chiwongoladzanjacho chimakhalabe nthawi zonse pa moyo wa CD, pamene mtengo wosinthika ukhoza kusinthasintha malingana ndi msika. Chiwongola dzanja cha ma CD nthawi zambiri chimakhala chokwera kuposa maakaunti osungira, zomwe zimalola osunga ndalama kuti asangalale ndi phindu lalikulu pazachuma chawo.

✔️ Zoyipa

Chinthu china chofunikira cha ziphaso za depositi ndi malire amalipiritsi. Pa nthawi ya kukhwima, simungatenge ndalama zanu popanda chilango. Komabe, CD ikakhwima, muli ndi mwayi wochotsa mphunzitsi wanu woyamba komanso chidwi chilichonse chomwe mwapeza.

Satifiketi ya depositi imapereka zosiyana ndalama. Poika ndalama m'ma CD osiyanasiyana okhala ndi nthawi yakukhwima, mutha kupanga makwerero okhwima ndikupindula ndi ndalama zokhazikika pamene ma CD akukula.

🥀 Akaunti yakubanki ya ana

Les maakaunti aku banki a anas ndi maakaunti opangidwa mwapadera kuti athandize ana kuphunzira kugwiritsa ntchito bwino ndalama zawo ndi kukhala ndi zizolowezi zabwino zachuma kuyambira ali achichepere. Maakauntiwa nthawi zambiri amatsegulidwa ndi makolo kapena olera mwalamulo m'malo mwa mwana.

Zopindulitsa

Mmodzi wa makiyi ubwino wa maakaunti aku banki a ana ndi mwayi wophunzitsa ana kufunika kwa ndalama ndi kusamalira bwino ndalama. Maakaunti ameneŵa amalola ana kusunga ndalama zimene alandira monga mphatso, m’ndalama zawo za m’thumba kapena zinthu zina zilizonse. Izi zimawapatsa mwayi wophunzira momwe angasungire ndalama, kugwiritsa ntchito mwanzeru komanso kukhazikitsa zolinga zachuma.

Maakaunti aku banki a ana amaperekanso kuchuluka kwa chitetezo pa ndalama za ana. Ndalama zomwe zimayikidwa m'maakaunti amenewa nthawi zambiri zimatetezedwa ndi chitsimikizo ndi malamulo akubanki, zomwe zimachepetsa chiopsezo cha kutaya kapena kuba. Zimenezi zimathandiza makolo kukhala olimba mtima podziwa kuti ndalama za ana awo n’zotetezeka.

Maakaunti awa athanso kupereka wapadera mwana wochezeka mbali. Mwachitsanzo, mabanki ena amapereka makadi apadera a kingingi kwa ana omwe amalola kuchotsedwa kwapang'onopang'ono kapena kulipira kolamulidwa. Izi zimathandiza ana kuphunzira kugwiritsa ntchito khadi la debit moyenera komanso kumvetsetsa mfundo zogwiritsira ntchito ndalama ndi malire a zachuma.

Kuphatikiza apo, maakaunti aku banki a ana angakhale mwayi wabwino wophunzitsa ana za kasamalidwe ka chidwi. Maakaunti ena amapereka chiwongola dzanja cha ana, kuwalola kuwona momwe ndalama zawo zingakulire pakapita nthawi kudzera mu chiwongola dzanja chomwe amapeza.

Imeneyi ikhoza kukhala njira yabwino yolimbikitsira kusunga ndalama kwa nthawi yaitali ndikukhazikitsa malingaliro a chiwongoladzanja ndi momwe ndalama zikuyendera.

🥀 Akaunti yopuma pantchito

Akaunti Yopuma Payekha (IRA) ndi mtundu wa akaunti yosungira ndalama yopangidwa makamaka kuti izithandiza anthu kusunga ndalama zopuma pantchito. Ma IRA amapereka phindu la msonkho ndipo amalola anthu kuti azipatula ndalama za tsogolo lawo lazachuma.

Ubwino umodzi waukulu wa a akaunti yopuma pantchito ndi mwayi wopindula ndi ubwino wa msonkho. Kutengera mtundu wa IRA, zopereka zitha kuchotsedwa msonkho, kutanthauza kuti mutha kuchepetsa ndalama zomwe mumapeza pachaka chamisonkho. Zopindulitsa zomwe zimapezeka muakaunti nthawi zambiri zimakhala zopanda msonkho mpaka mutayamba kutulutsa ndalama mukapuma pantchito.

IRAs amaperekanso mitundu yosiyanasiyana ya ndalama. Mutha kusankha kuchokera pazosankha zingapo zogulira, monga masheya, ma bond, ndalama zolumikizana ndi ziphaso za deposit, kutengera kulekerera kwanu pachiwopsezo komanso zolinga zachuma. Izi zimakulolani kuti mupange mbiri yosiyana siyana yomwe imatha kukula pakapita nthawi.

Ubwino wina waukulu wa akaunti yopuma pantchito ndi kusinthasintha zomwe zimapereka potengera kuchotsedwa. Ngakhale pali zoletsa zaka ndi zilango zochotsa msanga, mutha kuyamba kuchotsa ndalama kuyambira zaka 59½ popanda chilango. Izi zimakupatsani mwayi wokonzekera zopuma pantchito ndikukhala ndi ndalama zothandizira ndalama zomwe mukufunikira kwanthawi yayitali.

🌿 Mwachidule…

Kaya mukuyang'ana akaunti yamakono yoti muzitha kuyang'anira zochitika zanu zatsiku ndi tsiku, akaunti yosungira kuti mupange onjezerani ndalama zanu, akaunti ya msika wa ndalama pakuyika ndalama kwakanthawi kochepa kapena akaunti yopuma pantchito kuti mukonzekere tsogolo lanu lazachuma, pali zosankha zomwe zilipo.

Maakaunti akubanki ku Africa amapereka zopindulitsa monga chitetezo, kusavuta kupeza ndalama, kusiyanasiyana kwazachuma komanso mwayi wophunzira zachuma. Kaya ndinu munthu payekha, wochita bizinesi kapena bizinesi, ndikofunikira kusankha mtundu waakaunti womwe umagwirizana ndi zosowa zanu komanso momwe mulili.

Mosasamala kanthu za akaunti yakubanki yomwe mungasankhe ku Africa, ndikofunikira kusunga kasamalidwe kazachuma ndikuyesetsa kukwaniritsa zolinga zanu zanthawi yayitali. Maakaunti aku banki atha kukhala ndi gawo lalikulu pakukwaniritsa zofuna zanu zachuma ndikuthandizira kukhazikika kwanu pazachuma komanso kukula kwachuma kwanu.

Musananyamuke, apa pali maphunziro omwe amakuphunzitsani momwe mungagulitsire malangizo pa intaneti. Dinani apa kuti mugule.

Pitirizani, zabwino zonse