Chilichonse chomwe muyenera kudziwa za satifiketi ya deposit

M'dziko lazachuma ndi kupulumutsa, satifiketi yakusungitsa (CD) ndi njira yotchuka komanso yotetezeka onjezerani ndalama zanu. Kaya ndinu Investor wokhazikika kapena mukungoyang'ana njira yotetezeka yokulitsira ndalama zomwe mwasunga, ndikofunikira kumvetsetsa za ins ndi kutuluka kwa ziphaso zamadipoziti.

M'nkhaniyi, tikuyendetsani zonse zomwe muyenera kudziwa zokhudza satifiketi ya deposit, kuphatikiza momwe amagwirira ntchito, ubwino ndi malire awo, kotero mutha kupanga zosankha mwanzeru pankhani yosamalira ndalama zanu.

Tiyeni tizipita !!

🥀 Kodi satifiketi ya deposit ndi chiyani?

Les satifiketi ya deposit ndi zida zandalama zoperekedwa ndi mabanki ndi mabungwe angongole. Amalola osunga ndalama kuyika ndalama zokhazikika kwa nthawi yodziwikiratu, nthawi zambiri kuyambira miyezi ingapo mpaka zaka zingapo. Posinthanitsa ndi gawoli, bungwe lazachuma limalipira chiwongola dzanja pamlingo wokhazikika kwa moyo wa chiphaso cha depositi.

Ubwino waukulu wa ziphaso za depositi ndi awo sécurité. Popeza ma CD nthawi zambiri amaperekedwa ndi mabungwe azachuma, amaonedwa ngati ndalama zomwe zili pachiwopsezo chochepa.

Kuphatikiza apo, madipoziti omwe amapangidwa m'masatifiketi a ma depositi nthawi zambiri amakhala ndi inshuwaransi ndi mabungwe aboma, zomwe zimapereka chitetezo chowonjezera pakutayika komwe kungachitike.

Zikalata zosungitsa ndalama zimaperekanso kukhazikika zachuma. Popeza kuti chiwongola dzanja chimakhazikika pa moyo wa CD, osunga ndalama amadziwiratu ndalama zenizeni zomwe adzalandira akadzakula. Izi zimathandiza kuti pakhale ndondomeko yolondola yazachuma ndipo zingakhale zokopa makamaka kwa omwe akufuna kukwaniritsa zolinga zanthawi yochepa kapena yapakati.

Komabe, ndikofunikira kuzindikira kuti satifiketi za madipoziti zitha kukhala nazo zofooka. Mwachitsanzo, posinthana ndi chitetezo ndi kukhazikika koperekedwa ndi ma CD, kubweza nthawi zambiri kumakhala kotsika kuposa mitundu ina, yowopsa.

Kuphatikiza apo, ndalama zomwe zimayikidwa mu satifiketi yosungitsa ndalama nthawi zambiri zimatsekeredwa kwa nthawi yomwe wasankhidwa, kutanthauza kuti sizingachotsedwe asanakhwime popanda chilango.

🥀 Kodi ziphaso za depositi zimagwira ntchito bwanji

Posinthana ndi kuyika ndalama zanu kubanki kwa nthawi yodziwika (yomwe nthawi zambiri imatchedwa nthawi kapena nthawi), banki imalipira chiwongola dzanja chokhazikika zomwe nthawi zambiri zimakhala zokwera kuposa mitengo yoperekedwa pamaakaunti osungira.

Nthawiyo ikatha, mumabwezera ndalama zomwe mudayika (mkulu) kuphatikiza chiwongola dzanja chilichonse. Ngati mukufuna kupeza ndalama zanu nthawi ya CD isanathe, muli ndi chilango chochotsa msanga, zomwe zingachepetse kwambiri chiwongoladzanja chomwe mudapeza pa CD.

Ma CD akupezeka mosiyanasiyana ndipo angafunike masikelo osiyanasiyana. Chiwongola dzanja mumapeza nthawi zambiri zimasiyanasiyana malinga ndi kutalika kwa nthawi komanso kuchuluka kwa ndalama mu akaunti.

Kawirikawiri, nthawi yayitali komanso ndalama zambiri zomwe mumasungira, zimakwera mtengo womwe mumaperekedwa. Kutalikirana sikufuna kuti mulingo wocheperako ukhale wokulirapo.

Monga maakaunti osungira, ma CD amapeza chiwongola dzanja, zomwe zikutanthauza kuti nthawi ndi nthawi chiwongola dzanja chomwe mumapeza chimawonjezeredwa kwa wamkulu wanu. Kenako, kuchuluka kwatsopano kumeneku kumabweretsa chidwi chanu, ndi zina zotero.

Chifukwa cha chiwongola dzanja chambiri, ndikofunikira kumvetsetsa kusiyana pakati pa chiwongola dzanja ndi chiwongola dzanja cha pachaka (APY). Chiwongola dzanja chimayimira chiwongola dzanja chomwe mumalandira, pomwe APY imayimira ndalama zomwe mumapeza pachaka, poganizira chiwongola dzanja chambiri.

🥀 Momwe mungasankhire chiphaso cha madipoziti

Posankha satifiketi yakusungitsa (CD), ndikofunikira kuganizira zinthu zingapo kuti muwonetsetse kuti mwasankha bwino lomwe zosowa zanu zachuma ndi zolinga zanu. Nazi zina zomwe muyenera kuziganizira posankha:

Kutalika kwa CD

Zikalata zamadipoziti zimakhala ndi nthawi yokhazikika, nthawi zambiri kuyambira miyezi ingapo mpaka zaka zingapo. Ganizirani utali wanthawi yomwe mungakwanitse kutseka ndalama zanu.

Ngati muli ndi mapulani akanthawi kochepa, sankhani CD yanthawi yochepa. Ngati mukuyang'ana kukula kwa nthawi yayitali, CD ya nthawi yayitali ingakhale yoyenera.

Chiwongola dzanja

Fananizani chiwongola dzanja choperekedwa ndi mabungwe osiyanasiyana azachuma. Yang'anani zotsatsa zopikisana kwambiri kuti muwonjezere kupambana kwanu. Kumbukirani kuti chiwongola dzanja chikhoza kusiyanasiyana malinga ndi nthawi ya CD ndi ndalama zomwe zasungidwa.

Ndondomeko yokonzanso

Funsani za ndondomeko yokonzanso ma CD. Ma CD ena amadzipanganso paokha akakhwima, pamene ena amafuna kuti inu muchitepo kanthu. Onetsetsani kuti mukumvetsetsa mawu okonzanso komanso ngati mukufuna kupitiliza ndi CD yomweyo kapena kufufuza zina.

Zilango zochotsa msanga

Yang'anani zilango zomwe zingagwire ntchito ngati mukufuna kuchotsa ndalama zanu CD isanakhwime. Zilango zimatha kuchepetsa zopambana zanu, kotero ndikofunikira kudziwa izi musanapange chisankho.

Inshuwaransi ya FDIC

Onetsetsani kuti bungwe lazachuma lomwe likupereka CD lili ndi inshuwaransi ndi Federal Deposit Insurance Corporation (FDIC) ku United States kapena bungwe lofanana nalo m'dziko lanu. Izi zimatsimikizira kuti madipoziti anu amatetezedwa mpaka ndalama zina ngati bungwe lazachuma likulephera.

Zolinga zachuma

Ganizirani zolinga zanu zachuma. Ngati mukuyang'ana bata ndi chitetezo, CD yokhazikika ikhoza kukhala yabwinoko. Ngati mukulolera kukhala pachiwopsezo kuti mupeze phindu lalikulu, mutha kuganizira ma CD omwe ali ndi mitengo yosinthika kapena yolumikizidwa ndi msika.

🥀 Ziphaso za broker za deposit

Ngakhale ma CD ambiri amagulidwa mwachindunji ku mabanki, makampani ambiri ogulitsa ndi ogulitsa pawokha amaperekanso ma CD. Anthu ndi mabungwe awa, otchedwa " deposit brokers ", Nthawi zina amatha kukambirana za chiwongola dzanja chokwera pa CD polonjeza kupereka ndalama zina ku bungweli. Wosungitsa ndalama atha kupereka izi " Ma CD ogulitsidwa »kwa makasitomala ake.

Yang'anani mosamalitsa mbiri ya wopereka kapena wosungitsa ndalama kuti muwonetsetse kuti CD yachokera ku bungwe lodziwika bwino. Ogulitsa madipoziti alibe zilolezo kapena zovomerezeka, ndipo palibe boma kapena boma lomwe limawavomereza.

Popeza aliyense anganene kuti ndi wosungitsa ndalama, nthawi zonse fufuzani ngati wogulitsa ndalama kapena kampani yomwe amagwira ntchito ili ndi mbiri ya madandaulo kapena chinyengo. Ambiri ogulitsa ma depositi ali ogwirizana ndi akatswiri azachuma.

🥀 Mitundu ya ziphaso zosungitsa

Pali mitundu yosiyanasiyana ya ziphaso za madipoziti (ma CD) omwe amatha kukwaniritsa zosowa ndi zolinga zandalama. Nayi mitundu yodziwika kwambiri:

✔ Mtengo wokhazikika wa CD

Ma CD amtunduwu amapereka chiwongola dzanja chokhazikika panthawi yomwe mwasungitsa. Izi zikutanthauza kuti mumadziwiratu ndalama zenizeni zomwe mudzalandire mukadzakula. Ma CD okhazikika amatchuka chifukwa cha kukhazikika kwawo komanso kusadziwikiratu.

✔ Mtengo wosinthika wa CD

Mosiyana ndi ma CD okhazikika, ma CD osinthika amakhala ndi chiwongola dzanja chomwe chimatha kusinthasintha malinga ndi momwe msika ulili. Chiwongola dzanja chikhoza kusinthidwa nthawi ndi nthawi, nthawi zambiri kutengera chiwongola dzanja chofanana ndi mtengo wake.

Ma CD osinthasintha amapereka mwayi wokwera mitengo ngati chiwongoladzanja chikukwera, koma amakhalanso ndi chiopsezo chakuti mitengo idzatsika.

✔ CD yakula

Ndi CD yokhala ndi makwerero, mumayika ndalama m'magulu osiyanasiyana, iliyonse imakhala ndi chiwongola dzanja chake.

Mwachitsanzo, mutha kuyika gawo la ndalama zanu mu CD yanthawi yochepa yokhala ndi chiwongola dzanja chochepa komanso gawo lina mu CD yanthawi yayitali yokhala ndi chiwongola dzanja chambiri. Izi zimakupatsani mwayi wosinthira ndalama zanu ndikukulitsa zobweza zanu.

✔ Kuchulukitsa Zokolola CD

Kuchulukitsa kwa ma CD a zokolola kumapereka chiwongola dzanja chomwe chimawonjezeka pang'onopang'ono pakapita nthawi. Mwachitsanzo, CD yochuluka yokolola ikhoza kukhala ndi chiwongoladzanja chochepa pachiyambi, koma chomwe chimawonjezeka chaka chilichonse pa moyo wa deposit.

Izi zitha kukhala zokongola ngati mukufuna kukhala ndi CD yanu kwa nthawi yayitali ndipo mukufuna kukulitsa zomwe mumapeza.

✔ CD yolipira kale

Ma CD ena amapereka mwayi wobweza msanga popanda chilango tsiku la kukhwima lisanafike. Izi zitha kukhala zopindulitsa ngati mukufuna kupeza ndalama zanu nthawi isanathe, koma ndikofunikira kuyang'ana mikhalidwe yeniyeni yokhudzana ndi kubweza msanga.

✔ CD ya indexed

Ma CD a index amamangiriridwa ku index ya msika, monga S&P 500 kapena Dow Jones. Kubweza kumatengera momwe index iyi imagwirira ntchito, zomwe zitha kubweretsa phindu lalikulu, komanso chiopsezo chowonjezereka.

Les Ma CD a indexed zitha kukhala zokopa kwa osunga ndalama omwe akufuna kutenga nawo gawo pamayendedwe amsika pomwe akupindula ndi chitetezo china.

Ndikofunikira kumvetsetsa bwino zamtundu uliwonse wa CD musanapange chisankho.

🥀 Ubwino ndi kuipa kwa Satifiketi ya Deposit

Ngakhale satifiketi yosungitsa ndalama imawonedwa ngati chida cholimba pakuyika ndalama, alinso ndi mphamvu zawo ndi zofooka zawo zomwe ziyenera kuganiziridwa. Nawu mndandanda wa zabwino ndi zoyipa za satifiketi yakusungitsa ndalama zomwe muyenera kuziganizira:

✔ Ubwino wa chiphaso cha depositi

Mawu osinthika: Mawu ndi ndalama zomwe zitha kuikidwa pa CD zimatha kusintha. Ngati simunakonzekere kumangiriza ndalama zanu kwa nthawi yayitali, mutha kusankha mosavuta nthawi yayifupi. Pamapeto pa CD, mutha kuyipanganso CDyo kapena kuyambitsa ina.

Chitetezo: Ma CD omwe amapezeka ku bungwe lokhala ndi inshuwaransi ya boma nthawi zambiri amakhala ndi inshuwaransi yofikira $250. Izi zimachotsa chiwopsezo chachikulu pazachuma.

Kubwezera kulibwino kuposa maakaunti osungira: Popeza yemwe ali ndi CD saloledwa kutenga ndalama mwaulere monga omwe ali ndi akaunti yosungira, CD nthawi zambiri imakhala yamtengo wapatali ku bungwe lazachuma. Pazifukwa izi, chiwongola dzanja choperekedwa kwa yemwe ali ndi ma CD ndi chokwera kuposa akaunti yosungira yachikhalidwe.

Zosankha zambiri: Mutha kupeza CD yokhala ndi kukhwima ndi mikhalidwe yosiyanasiyana kuchokera kumabungwe osiyanasiyana azachuma. Chifukwa cha kusiyanasiyana kwa ma CD, osunga ndalama amatha kupeza CD yomwe imakwaniritsa zosowa zawo.

Kubwerera kokhazikika ndi kotheka: Wogulitsa akhoza kukhala wotsimikiza kuti adzapeza kubweza kwapadera panthawi inayake. Ngakhale chiwongola dzanja chikatsikira kuchuma chokulirapo, ma CD azikhala osasintha. Mudzatha kudziwa mosavuta kukula kwa ndalama zanu, kupanga ndondomeko ya zachuma kukhala yosavuta.

✔ Kuipa kwa Satifiketi ya Deposit

Malipiro ochepa: Mwini ma CD sangathe kupeza ndalama zawo mosavuta ngati akaunti yosungira ndalama. Kuchotsa ndalama ku CD isanathe nthawi kumafuna kulipira chilango. Chilangochi chikhoza kutenga mawonekedwe a kutaya chidwi kapena chilango chachikulu.

Kuti muwonjezere kusinthasintha, wogulitsa akhoza kupanga CD Ladder, yomwe imakhala ndi ma CD omwe ali ndi masiku okhwima osiyanasiyana. Ndi njira ya makwerero, muli ndi njira zambiri zopezera ma CD anu osungira nthawi zosiyanasiyana.

Kuopsa kwa inflation: Mitengo ya ma CD ikhoza kukhala yotsika poyerekeza ndi inflation. Izi zikutanthauza kuti ndalama zanu zitha kutaya mphamvu zake zogulira pakapita nthawi ngati phindu la chiwongola dzanja lipititsidwa ndi mitengo ya inflation.

Poganizira zabwino ndi zoyipa izi, ndikwanzeru kulingalira kuti zabwino za CD nthawi zambiri zimaposa zoyipa. Ma CD amakulolani kuti mukulitse ndalama zanu popanda zovuta. Mutha kufananiza mitundu yosiyanasiyana ya ma CD pogwiritsa ntchito zida zapaintaneti, ndipo mutha kupeza yomwe ikugwirizana ndi zosowa zanu.

🥀 Powombetsa mkota….

Satifiketi yosungitsa ndalama ndi chida chodziwika bwino komanso chotetezeka chandalama pakukulitsa ndalama zanu. Amapereka njira yopezera ndalama zotsika mtengo, yokhala ndi chiwongola dzanja chokhazikika kapena chosinthika, kutengera mtundu wa CD wosankhidwa.

Pomvetsetsa ma ins and outs of satifiketi zama depositi, mutha kupanga zisankho zanzeru pakuwongolera ndalama zanu ndikukwaniritsa zolinga zanu zachuma.

ma CD amapereka chitetezo chachuma ndi kukhazikika, ndi chitsimikizo chobwezeretsanso ndalama zanu zoyambira ndikulandila chiwongola dzanja nthawi zonse panthawi yomwe mwasungitsa. Ndioyenera makamaka kwa anthu omwe akufuna kukula kwakanthawi kochepa kapena kwakanthawi, pomwe akusunga chitetezo chamalikulu awo.

Posankha satifiketi yosungitsa ndalama, ndikofunikira kuganizira zinthu monga nthawi ya CD, chiwongola dzanja, ndondomeko zowongoleredwa, komanso zilango zochotsa msanga. Poyerekeza zopereka zochokera ku mabungwe azachuma osiyanasiyana, mutha kupeza CD yomwe ikugwirizana ndi zosowa zanu ndi zolinga zanu.

Ndisiyeni nkhawa zanu zonse mu ndemanga.