Chilichonse chomwe muyenera kudziwa zokhudza akaunti ya msika wa ndalama

Maakaunti amsika wandalama amakhala ndi chiwongola dzanja, maakaunti aku banki okhala ndi inshuwaransi ndi boma omwe nthawi zambiri amabwera ndi mwayi wolipira ndi cheke komanso kirediti kadi.

Phunzirani momwe maakaunti amsika amagwirira ntchito ndikusiyanitsa maakaunti awa ndi ena kuti muwone ngati ali galimoto yoyenera kukwaniritsa zolinga zanu ndi zosowa zanu zapamadzi.

Koma musanayambe, apa pali maphunziro apamwamba omwe angakuthandizeni amakulolani kuti mudziwe zinsinsi zonse kuti muchite bwino mu Podcast.

Kodi akaunti ya msika wa ndalama ndi chiyani?

Akaunti ya msika wandalama ndi akaunti yosungira yomwe ili ndi zinthu zina zowongolera. Nthawi zambiri imabwera ndi macheke kapena kirediti kadi ndipo imalola kuchuluka kwapang'onopang'ono mwezi uliwonse.

Mwachizoloŵezi, maakaunti a msika wandalama amapereka chiwongola dzanja chokwera kuposa maakaunti osungira nthawi zonse. Koma masiku ano, mitengo ndi yofanana. Misika yandalama nthawi zambiri imakhala ndi ma depositi apamwamba kwambiri kapena zocheperako kuposa maakaunti osungira, choncho yerekezerani zomwe mungasankhe musanasankhe imodzi.

Ku USA, maakaunti a msika wandalama ali ndi inshuwaransi ndi Malingaliro a kampani Federal Deposit Insurance Corp. (m’mabanki) ndi National Credit Union Administration (m’mabungwe a ngongole), kotero kuti simudzataya madipoziti anu ngakhale bungwe lazachuma litalephera.

Maakaunti awa nthawi zambiri amasokonezedwa ndi ndalama za msika wandalama, zomwe ndi ndalama zomwe zimaperekedwa ndi makampani ogulitsa. Makasitomala amayamikira kuchuluka kwa maakaunti amsika wandalama komanso ndalama za msika wandalama chifukwa onse amapereka mwayi wopeza ndalama mosavuta.

Koma si chinthu chomwecho. Maakaunti amsika wandalama ndi maakaunti a inshuwaransi omwe amayimira ndalama zomwe zimapezeka mosavuta, ndichifukwa chake amatchedwanso "akaunti yakusungitsa ndalama pamsika". Ndalama za msika wandalama zimagawidwa ngati zofanana ndi ndalama ndipo sizikhala ndi inshuwaransi ya FDIC

Akaunti ya msika wa ndalama VS akaunti yosungira

Maakaunti onsewa amapeza chiwongola dzanja ndipo amakupatsani mwayi wopeza ndalama mosavuta pokulolani kuti mutenge ndalama mukafuna mpaka malire ochotsa. Koma sikuti nthawi zonse amachita zinthu zofanana.

Akaunti ya msika wa ndalama ndi mtundu wa akaunti yosungitsa ndalama yomwe nthawi zambiri imafuna ndalama zochepa kwambiri. Imalipira chiwongola dzanja chokwera kuposa akaunti yosungira.

Ma CMM ena amabweranso ndi a kirediti kadi kapena macheke - zomwe simudzazipeza ndi maakaunti osungira. Mabungwe angafunike kuti agwiritsidwe ntchito osapitilira kasanu ndi kamodzi pamwezi.

Ena amalipiritsa ngati mutadutsa nambala imeneyo. Akaunti yosungitsa chiwongola dzanja chambiri imalipira mitengo yowoneka bwino koma nthawi zambiri ilibe kirediti kadi kapena fufuzani mwayi wofikira.

Chifukwa chachikulu chotsegulira CMM ndikukhala ndi chiwongola dzanja chokwera poyerekeza ndi akaunti yosungira ndalama kapena akaunti yoyang'anira miyambo, pokhala ndi mwayi wolemba macheke angapo. Kumbukirani kuti nthawi zina mitengo ya msika wandalama ndi ndalama zosungira ndizofanana masiku ano.

Kuyerekeza Akaunti ya Money Market ndi maakaunti ena akubanki

Maakaunti amsika wandalama amapereka magwiridwe antchito mosiyana ndi maakaunti ena aku banki. Nayi mawonekedwe amomwe amafananizira ndi maakaunti aku banki omwe amaperekedwa ndi mabanki ambiri omwe amagwira ntchito zonse.

Akaunti Yosunga Zokolola Zambiri

Akaunti ya msika wandalama si yofanana ndi akaunti yosungira ndalama yomwe mumazolowera. Kusiyana kwakukulu pakati pa maakaunti awiriwa ndikuti maakaunti amsika wandalama nthawi zambiri amapereka zokolola zapamwamba zapachaka (APY), makamaka maakaunti apamwamba amsika omwe amaperekedwa ndi mabanki pa intaneti. Ndipo nthawi zambiri mudzakhala ndi mwayi wolembera ndi a kirediti kadi.

Akaunti yamakono

Maakaunti owerengera achikhalidwe amapangidwira zochitika zatsiku ndi tsiku. Maakaunti amsika wandalama sagwira ntchito motere chifukwa mwachizolowezi amakhala ndi malire a mwezi uliwonse.

Ngati mukufuna kuti ndalama zanu zizipezeka pazochitika zatsiku ndi tsiku, pangani akaunti yochezera. Maakaunti ena amsika wandalama amabwera ndikuwunika mapindu aakaunti, monga makhadi a debit kuti mupeze ATM ndi mwayi wolembera.

Apanso, chiwongola dzanja chomwe chimapezedwa ndi maakaunti amsika wandalama ndichosiyana kwambiri pakati pa maakaunti. Maakaunti ambiri amacheki alibe chidwi.

Satifiketi ya Depositi (CD)

Ma CD angafanane ndi maakaunti a msika wa ndalama potengera chiwongola dzanja. Onsewa atha kupereka ma APY okolola kwambiri.

Kusiyana kwake ndikuti ma CD amafunikira kuti musiye ndalama zanu kwa nthawi inayake, kuyambira mwezi umodzi mpaka zaka zisanu kapena 10. Ma CD ambiri sakulolani kuchotsa ndalama msanga popanda kulangidwa.

Kusiyana kwina pakati pa ma CD ndi maakaunti a msika wandalama ndi mtundu wa chiwongola dzanja chomwe aliyense ali nacho. Mukatsegula CD, mumatsekera chiwongoladzanja chokhazikika pa nthawi yonse ya CD. Amakhala ndi ma APY osinthika, zomwe zikutanthauza kuti mtengo ukhoza kukwera kapena kutsika tsiku lililonse.

Maakaunti amsika wandalama nthawi zambiri amakhala ndi mitengo yayikulu kwambiri yamabanki apamwamba. Ma CD apamwamba kwambiri amaperekedwa kwa ma CD aatali.

Njira Zabwino Zogwiritsira Ntchito Akaunti Yamsika Wachuma

Maakaunti amsika wandalama ndi njira yabwino kwambiri yokwaniritsira zolinga zazing'ono komanso zanthawi yayitali. Amakulolani kuti mulekanitse ndalama zenizeni kuchokera ku akaunti yanu yakubanki yatsiku ndi tsiku kuti mupulumutse mtsogolo. Ndi akaunti yakubanki yabwino yoti mugwiritse ntchito:

• Fund yachangu
• Ndalama zaukwati
• Ndalama ya tchuthi
• Malipiro a msonkho
• ntchito zokonza nyumba
• Kusungira galimoto yatsopano
• Kupulumutsa penshoni
• Zolinga zina zosunga nthawi yochepa

Kugwiritsa ntchito akaunti ya msika wa ndalama sikutha. Komanso, ndalama zanu zimapezeka mosavuta ngati mukuzifuna.

Ubwino ndi Kuipa kwa Maakaunti a Money Market

Kodi akaunti ya msika wa ndalama ndiyofunika? Zimatengera. Ngati mukuganiza chimodzi, kumbukirani zabwino ndi zoyipa izi.

Ubwino wa Akaunti ya Money Market

Chiwongola dzanja chokwera. Chiwongola dzanja chimakonda kukhala chokwera kuposa maakaunti osungira.

Kulemba macheke. Maakaunti ambiri amsika wandalama amalola makasitomala kulemba macheke kuti ajambule ma depositi awo pomwe kirediti kadi sichivomerezedwa.

Makhadi a kubanki. Khadi la debit lomwe limabwera ndi maakaunti ambiriwa limapangitsa kukhala kosavuta kugula zinthu pafupipafupi ndi pulasitiki.

Inshuwaransi ya depositi: Inshuwaransi ya FDIC kapena NCUA imakupatsani mtendere wamumtima kuti simudzataya ndalama zanu ngakhale banki ikulungika.

Kuphatikiza apo, maakaunti awa amakulolani kuti:

• Pezani ndalama mosavuta kusiyana ndi maakaunti osungira omwe ali ndi makhadi a kinki ndi macheke. Malowa atha kukhala othandiza kwambiri pakagwa mwadzidzidzi.
• Pindulani ndi mitengo yabwinoko kuposa maakaunti anthawi zonse.
• Khalani ndi malo otetezeka osungira ndalama zambiri, zotetezedwa ndi inshuwaransi ya FDIC.

Kuipa kwa Akaunti ya Money Market

• Ndalama zingakhale zosavuta kugwiritsa ntchito.
• Maakaunti ena amafunikira mabanki ochepa kuti atsegule kapena kupewa chindapusa.
• Nthawi zambiri, akaunti zosungira ndalama zimapeza chiwongola dzanja chofanana.
• Zofunikira zochepa zotsalira. Nthawi zambiri mumayenera kukhala ndi ndalama zambiri kuposa akaunti yosungira. Zomwe simungakwanitse kapena zomwe zingakulepheretseni kulipira ndalama zina.
• Ndalama pamwezi. Ngati simungathe kukwaniritsa zofunikira zotsalira, mudzalipira ndalama zomwe zingadye mu madipoziti anu.
• Malire Ochotsa. Kuchuluka kwa kuchuluka kwa ndalama zomwe mumachotsa pamwezi zomwe mumatha kupanga kuchokera kumaakaunti awa kumapangitsa kuti pakhale zovuta kugwiritsa ntchito tsiku ndi tsiku.

Pitilizani

• Maakaunti amsika wandalama ndi inshuwaransi ya boma ndipo amaperekedwa ndi mabanki ndi mabungwe a ngongole.
• Amagawana zomwe zimafanana ndi maakaunti osungira komanso maakaunti ochezera.
• Ndi galimoto yabwino kwa ndalama zadzidzidzi komanso zomira.
• Amapereka ndalama zambiri kuposa maakaunti osungira chifukwa chamwambo wawo wocheperako wocheperako.

Musanachoke, apa pali maphunziro omwe amakulolani kutero kuchita malonda mu ola limodzi lokha. Dinani apa kuti mugule.

Ndisiyireni ndemanga ndikugawana nawo pamasamba anu ochezera