Imhando ipi yeakaundi yebhangi yakagadzirwa muAfrica?

Africa, kondinendi iri kuona kukura kwehupfumi, inopa mikana yakasiyana-siyana maererano nemabasa emabhangi. Ikoko kugadzira account yebhangi yakagadziridzwa kune zvinodiwa uye zvinangwa zvemari zvevanhu zvakakosha kusimudzira kukura kwehupfumi uye kufambisa kuwanikwa kwemari.

Muchinyorwa chino, isu tichaongorora zvakadzama marudzi akasiyana emaakaundi emabhangi anowanikwa muAfrica uye mabhenefiti avanopa kune vagari veko uye expats. MuAfrica, maakaundi azvino ndeimwe yeanonyanya kushandiswa marudzi emabhangi maakaundi.

Aya maakaundi anobvumira vanobata kuita zvemazuva ese madhipoziti, kubvisa uye kutamiswa. Kazhinji vanouya nekadhi rechikwereti rinobvumira kuwana mari nyore.

Asi usati watanga, heino kudzidziswa kunokubvumira kuti uite kuwana 1000euros/Zuva pa5euros.com. Dzvanya pano kuti uitenge

🌿 Chii chinonzi bank account

Un Akaundi yebhangi ibasa rezvemari rakakosha rinopihwa nemasangano emabhangi, richibvumira vanhu nevemabhizinesi kuisa, kutonga uye kuchengetedza mari yavo. Hurongwa hwekondirakiti pakati pemubati weakaundi nebhangi, iyo inopa yakachengeteka kuwana mari pamwe neakasiyana maficha emari.

Akaundi yebhangi inopa akati wandei zvakakosha zvinobatsira. Chekutanga, inobvumira vane account kuti chengeta uye uchengete mari yavo yakachengeteka. Mari inoiswa muakaundi yebhangi kazhinji inochengetedzwa nemirau yekubhanga uye inogona kudzoserwa painodiwa. Izvi zvinopa rugare rwepfungwa uye kuchengeteka mune zvemari.

Uye zvakare, account yekubhangi inoita kuti zvive nyore kuita manejimendi ekutengeserana kwemari. Vabati vemaakaundi vanogona kuita madhipoziti, kubvisa, kuendesa uye kubhadhara kubva kuaccount yavo, kurerutsa mashandiro ezuva nezuva uye kutengeserana kwebhizinesi.

Maakaundi okubhangi anogonawo kubatanidzwa nekadhi rechikwereti kana rechikwereti, zvichiita kuti pave nyore nyore kutenga uye kubhadhara.

🥀 Iyo saving account

Un savings account imhando yeakaundi inopihwa nemasangano ezvemari inobvumira vanhu kuti vaise mari yavo kuitira kuchengetedza uye kukura mari yavo. Inopa mhinduro inoshanda yekuisa parutivi mari uye kukura nekufamba kwenguva.

Pakuvhura a savings account, zvinowanzodiwa kuita dhipoziti yekutanga. Mari iyi inogona kusiyana zvichienderana nezvinodiwa nebhangi kana sangano rezvemari. Iyi yekutanga dhipoziti inogona kutorwa senhanho yekutanga yekuzadzisa zvibodzwa zvako zvemari.

Kana account yako yavhurwa, mari yaunoisa mairi inotanga kugadzira zvido. Mbereko ndiyo mari yaunowana pakuchengetedza kwako. Iwo anoverengerwa zvichienderana neavhareji account account yako pane imwe nguva uye anowedzerwa kuaccount yako nguva nenguva. Kufarira chinhu chakakosha mukukura mari yako yawakachengeta.

Maakaundi ekuchengeta anogona kunge aine a yakatarwa kana kusiyanisa mubereko. Chiyero chemubereko chakatarwa chinoreva kuti mubereko unoramba uripo kwenguva yakati rebei, nepo mubereko wakasiyana unogona kuchinjika zvichienderana nemamiriro emusika uye marongero ebhangi kana sangano rezvemari. Izvo zvakakosha kuti unzwisise rudzi rwemubereko wakabatana neakaundi yako.

✔️ Zvakanakira zveakaundi yekuchengetedza

Imwe yezvakanakira zvakanakira a savings account ndeyekuti inopa imwe sécurité bhowa nemari yako. Mari yako inodzivirirwa nevimbiso nemitemo yemasangano ezvemari, kuderedza ngozi yekurasikirwa kana kuba. Izvi zvinokubvumira kurara zvakanaka uchiziva kuti mari yako yakachengeteka.

Imwe mukana mukuru ndeye liquidity zvinopihwa nemasaving accounts. Kunyangwe panogona kunge paine zvirambidzo pakubvisa, iwe unogona kazhinji kuwana mari yako kana ichidikanwa. Izvi zvinokupa rugare rwepfungwa uchiziva kuti mari yako yawakachengeta iripo kana paine emergency kana kupedzisa mapurojekiti akakosha.

Maakaundi ekuchengeta zvakare chishandiso chakakosha chekuzadzisa chako zvinangwa zvemari. Kunyangwe iwe uri kuchengetedza kutenga kukuru, senge imba kana mota, kana kugadzirira kuenda pamudyandigere, saving account inogona kukubatsira kuvaka homwe yakasimba. Inokubvumira kuisa mari parutivi nguva dzose uye kutarisa kufambira mberi kwako kune zvinangwa zvako zvemari.

Nekuva ne savings account, iwe zvakare gadzira a chirango chemari. Nekuparadzanisa mari yako kubva kuaccount yako yekutarisa, unodzivirira kushandisa zvisina tsarukano uye tarisa pane chinangwa chekuchengetedza. Izvi zvinokubatsira iwe kubata mari yako zvine hungwaru uye kukudziridza maitiro akanaka ekuchengetedza.

✔️ Zvakaipa zverudzi urwu rweakaundi

Izvo zvakakosha kuti uzive kuti maakaundi ekuchengeta anogona kunge aine chokwadi nezvayakaipira. Semuenzaniso, mubereko ungave wakaderera, izvo zvinogona kuderedza kukura kwemari yako yawakachengeta. Pamusoro pezvo, inflation inogona kuderedza kukosha chaiko kwemari yako yawakachengeta nekufamba kwenguva. Saka zvakakosha kuti utarise zvinhu izvi paunenge uchironga zvibodzwa zvako zvemari.

Mamwe maakaundi ekuchengetedza anogonawo kumanikidza kubvisa zvirambidzo kana kusanganisira mari zvinoenderana nemamwe matransaction. Izvo zvakakosha kuti unzwisise zvirevo uye mamiriro eakaundi yako usati wavhura kuti udzivise zvisingafadzi zvinoshamisa.

Mukupedzisa, a savings account chishandiso chakakosha chemari chekuchengetedza nekukura mari yako. Inopa mabhenefiti akadai sekuchengetedzeka, kushaya mari, kugona kuwana mubereko, uye kurangwa kwemari.

Nekudaro, zvakakosha kufunga nezve zvinogona kuderera senge yakaderera mubereko uye zvirambidzo zvekubvisa. Nekuronga kwakangwara uye manejimendi ane mutoro, account yekuchengetedza inogona kukubatsira kuzadzisa zvinangwa zvako zvenguva refu zvemari.

🥀 Iyo yazvino account kana yekutarisa account

Un account yazvino imhando yeakaundi yebhangi inobvumira vanhu kuti vatore mari yavo yemazuva ese. Iyi iakaundi inoshandiswa kuisa uye kubvisa mari, kubhadhara, kugamuchira madhipoziti emuhoro, uye kubata mari yemazuva ese.

Paunovhura a account yazvino, unogona kuita dhipoziti yekutanga kana kungoendesa mari kubva kune imwe account iripo. Iyi account yakagadzirirwa kushandiswa nguva dzose uye inopa mukana wakakura kumari yako.

✔️ Zvakanakira maakaundi azvino

Chimwe chezvinhu zvakakosha zve a account yazvino ndiyo kuwana nzvimbo kumari. Unogona kubvisa mari uchishandisa kadhi rekubhengi rakabatana neakaundi yako, bhadhara necheki kana kutumira nemagetsi, uye kunyange kushandisa masevhisi ekubhadhara epamhepo senge nharembozha kana wallet yedhijitari.

Imwe mukana mukuru weakaundi yazvino ndeye flexibility iyo inopa maererano nekutonga kwemari. Iwe unogona kuita madhipoziti uye kubvisa chero nguva, zvichikubvumidza iwe kubata yako yekuyerera kwemari nemazvo. Uyezve, iwe unogona kazhinji kuseta otomatiki kubhadhara kuti ubhadhare mabhiri ako enguva dzose, zvichiita kuti zvive nyore kubata mari yako.

Maakaundi azvino anogonawo kushandiswa kuita gamuchira muhoro deposits. Waunoshandira anogona kuisa muhoro wako zvakananga muakaundi yako yekutarisa, zvichikubvumidza kuti uwane nekukurumidza mari yako uye uishandise pane zvaunoda zvezuva nezuva.

Imwe bhenefiti yakakosha ndeye sécurité zvinopihwa nemaakaundi azvino. Mari yako inodzivirirwa nevimbiso dzebhangi nemirau, zvichideredza njodzi yekurasikirwa kana kuba. Pamusoro pezvo, mabhanga anowanzo kupa mamwe matanho ekuchengetedza akadai sekutarisa fungidziro yekutengeserana uye kugona kuvhara kadhi rako kana rikarasika kana kubiwa.

✔️ Zvakaipa zveazvino account

Zvisinei, pane zvimwe zvinokanganisa kufunga. Azvino maakaundi dzimwe nguva anogona kuva mari semuripo wekugadzirisa account, mari yetransaction kana machaji ekushandisa mamwe masevhisi. Zvakakosha kunzwisisa mari idzi uye sarudza account yekutarisa inosangana nezvido zvako zvemari.

Muchidimbu, account yazvino inopa yakanaka kuchinjika uye nyore kuwana kumari yako kuti utore kutengeserana kwako kwezuva nezuva. Iyo inokutendera iwe kuti ugamuchire muhoro dhipoziti, kubhadhara uye kubata yako yezuva nezuva mari. Nekudaro, zvakakosha kuti uzive nezvemubhadharo wakabatana uye sarudza account yekutarisa inosangana nezvido zvako.

🥀 Maakaundi emusika wemari (CMM)

Les maakaundi emusika wemari (CMM) maakaundi ekudyara anopihwa nemasangano ezvemari anobvumira vanoisa mari kuti vaise mari yavo mumidziyo yenguva pfupi yemari. Aya maakaundi anopa imwe nzira kune echinyakare maakaundi ekuchengetedza uye anowanzoonekwa seakaderera-njodzi yekudyara sarudzo.

✔️ mabhenefiti

Imwe yemabhenefiti makuru e maakaundi emusika wemari ndiko kugona kuwana mhindu yepamusoro zvichienzaniswa nemaakaundi ekuchengetedza akajairwa. MaCMM anodyara muzvibatiso zvenguva pfupi senge Treasury mabhiri, zvitupa zvedhipoziti (CDs), uye emhando yepamusoro mabhondi emakambani.

MaCMM anopawo high liquidity. Izvi zvinoreva kuti iwe unogona kukurumidza kuwana mari yako nekutora mari kana kuendesa mari kuaccount yako yekutarisa. Izvi zvinoita kuti ive sarudzo inokwezva kune avo vanoda shanduko uye kuwanikwa kwemari yavo nekukurumidza.

Imwe mukana wemaakaundi emusika wemari ndeye sécurité zvavanopa. MaCMM anoisa mari zvakanyanya mune yakaderera-njodzi mari zviridzwa, izvo zvinoderedza njodzi yekurasikirwa nemari. Pamusoro pezvo, maakaundi aya anowanzo pihwa inishuwarenzi yehurumende kusvika kune imwe mari, ichipa imwe dziviriro kune vanoisa mari.

✔️ Zvakaipa

Nekudaro, zvakakosha kuti uzive kuti maakaundi emusika wemari anogona kunge aine mamwe nezvayakaipira. Mari yemubereko ine chekuita neMMCs inogona kushanduka uye inogona kukanganiswa nemamiriro emusika. Pamusoro pezvo, kudzoka paCMMs kunogona kunge kwakadzikira pane mamwe, mafomu enguva refu ekudyara, senge masheya kana mabhondi.

Muchidimbu, maakaundi emusika wemari anopa sarudzo yenguva pfupi yekudyara ine kudzoka kwakakwira kupfuura maakaundi ekuchengetedza echinyakare. Ivo vanopa yakakwira liquidity, yakawedzera chengetedzo uye kusiyanisa kwekudyara.

🥀 Zvitupa zvedhipoziti

Les zvitupa zvedhipoziti (CD) midziyo yenguva pfupi yemari inopihwa nemasangano emari. Vanobvumira vanoisa mari kuti vaise imwe mari yenguva yakatarwa uye vagamuchire mubereko mukudzoka. MaCD anoonekwa sekudyara kwenjodzi yakaderera uye anopa kazhinji madzoro akakwira kupfuura maakaundi ekuchengetedza echinyakare.

Paunoisa mari mu a chitupa chedhipoziti, unosarudza nguva yakatarwa, inonzi nguva yekukura. Iyi nguva inogona kusiyana kubva kumwedzi mishoma kusvika kumakore akati wandei, zvichienderana nezvinangwa zvako zvemari uye kushivirira kwako njodzi. Munguva iyi, mari yako yakavharwa uye haugone kuiwana pasina chirango.

✔️ mabhenefiti

Imwe yemabhenefiti makuru e zvitupa zvedhipoziti ndiyo sécurité zvavanopa. Mari yako inowanzo pihwa inishuwarenzi nehurumende kusvika kune imwe mari, zvinoreva kuti kunyangwe iyo sangano rezvemari rikabhuroka, unozodzoserwa mari yako yekutanga. Izvi zvinoita kuti ive mari inokwezva kune avo vari kutsvaga yakawedzera chengetedzo yekuchengetedza kwavo.

MaCD anopawo mibairo yakatarwa kana zvakasiyana. Chiyero chemubereko chakamisikidzwa chinoreva kuti chiyero chinoramba chiripo pahupenyu hweCD, nepo chiyero chinoshanduka chinogona kushanduka zvichienderana nemamiriro emusika. Mari yemubereko pamaCD inowanzokwira kupfuura iyo iri mumaakaundi ekuchengetedza, zvichibvumira vanoisa mari kuti vanakirwe nekudzoka kwakakwirira pakudyara kwavo.

✔️ Zvakaipa

Chimwe chinhu chakakosha chezvitupa zvedhipoziti ndeye shoma liquidity. Munguva yekukura, haugone kubvisa mari yako pasina chirango. Nekudaro, kana CD yakura, une sarudzo yekubvisa mukuru wako wekutanga pamwe nechero mubereko wakawedzerwa.

Zvitupa zvedhipoziti zvinopa diversification Investments. Nekudyara mumaCD akasiyana nenguva yekukura, unogona kugadzira manera ekukura uye kubatsirwa kubva mukuwanda kwemuhoro sezvo maCD anokura.

🥀 Akaundi yebhangi yevana

Les maakaundi ekubhengi evanas iakaunzi akagadzirirwa kubatsira vana kudzidza kushandisa mari yavo uye kukudziridza tsika dzakanaka dzemari kubva vachiri vadiki. Maakaundi aya kazhinji anovhurwa nevabereki kana vachengeti vemutemo vakamiririra mwana.

Kubatsira

Imwe yemabhenefiti akakosha e maakaundi ekubhengi evana mukana wekudzidzisa vana kukosha kwemari uye kutarisira mari zvakanaka. Maakaundi aya anobvumira vana kuisa mari yavanenge vagamuchira sezvipo, kubva muhomwe yavo kana kuti chero kupi zvako. Izvi zvinovapa mukana wekudzidza kuchengetedza, kushandisa nehungwaru uye kuisa zvinangwa zvemari.

Maakaundi ebhangi evana anopawo kuwedzera kuchengeteka nemari yevana. Mari inoiswa mumaakaundi aya kazhinji inodzivirirwa nemirau yekubhanga, zvichideredza njodzi yekurasikirwa kana kuba. Izvi zvinoita kuti vabereki vanzwe vane chivimbo vachiziva kuti mari yevana vavo yakachengeteka.

Aya maakaunti anogona kupawo zvinhu zvakakosha zvevana. Semuenzaniso, mamwe mabhangi anopa makadhi ekubhengi akakosha evana anobvumidza kutora zvishoma kana kubhadhara kunodzorwa. Izvi zvinoita kuti vana vadzidze kushandisa kadhi rechikwereti zvine hungwaru uye kunzwisisa pfungwa dzemashandisiro emari uye miganhu yemari.

Pamusoro pezvo, maakaundi ekubhangi evana anogona kuve mukana wakanaka wekudzidzisa vana nezvazvo kufarira kutarisira. Mamwe maakaunti anopa mubereko chaiwo wevana, zvichivabvumira kuona kuti mari yavo inogona kukura sei nekufamba kwenguva kuburikidza nemubereko wavanowana.

Iyi inogona kuva nzira inoshanda yekukurudzira kuchengetedza kwenguva refu uye kuisa pfungwa dzekufarira uye kuita kwemari.

🥀 Munhu wega wega retirement account

An Individual Retirement Account (IRA) imhando yeakaundi yekuchengeta yakanyatsogadzirirwa kubatsira vanhu kuti vachengetere pamudyandigere. IRAs inopa zvakanakira mutero uye inobvumira vanhu kuti vaise parutivi mari yeramangwana ravo rezvemari.

Imwe yemabhenefiti makuru a account yemunhu pamudyandigere ndiko mukana wekubatsirwa kubva kune zvakanakira mutero. Zvichienderana nerudzi rweIRA, mipiro inogona kubviswa mutero, zvichireva kuti iwe unogona kuderedza mari yako inotengesa yegore razvino remutero. Kuhwina kunoitwa muaccount zvakare kazhinji kusabhadhara mutero kudzamara watanga kubvisa mari mukurega.

IRAs inopawo zvakasiyana-siyana zvekusarudza mari. Iwe unogona kusarudza kubva kune dzakasiyana siyana dzekudyara sarudzo, senge masheya, mabhondi, mutual mari uye zvitupa zvedhipoziti, zvichienderana nekushivirira kwako njodzi uye zvinangwa zvemari. Izvi zvinokutendera kuti ugadzire mapotifolio akasiyana anogona kukura nekufamba kwenguva.

Imwe mukana mukuru weakaundi yekurega basa ndeye flexibility iyo inopa maererano nekubvisa. Kunyangwe paine zvirango zvezera uye zvirango zvekutanga kubvisa, iwe unogona kazhinji kutanga kubvisa mari pazera 59½ pasina chirango. Izvi zvinokutendera kuti uronge pamudyandigere wako uye uve nemari yekuvhara zvaunoda kwenguva refu zvemari.

🌿 Muchidimbu…

Kunyangwe iwe uri kutsvaga yazvino account yekutarisira kutengeserana kwako kwezuva nezuva, iyo saving account yekuita wedzera mari yako yawakachengeta, account yemusika wemari yekudyara kwenguva pfupi kana account yemudyandigere kugadzirira ramangwana rako rezvemari, pane zvingasarudzwa zviripo.

Maakaundi ebhangi muAfrica anopa mabhenefiti akadai sekuchengetedzeka, nyore kuwana mari, kusiyanisa mari uye mikana yekudzidza mari. Kunyangwe iwe uri munhu wega, muzvinabhizinesi kana bhizinesi, zvakakosha kuti usarudze rudzi rweakaundi inonyatsoenderana nezvido zvako uye mamiriro ako emari.

Pasinei neakaundi yebhangi yaunosarudza muAfrica, zvakakosha kuti uchengetedze manejimendi emari ane mutoro uye ushande wakanangana nezvinangwa zvako zvenguva refu zvemari. Maakaundi ekubhangi anogona kuita basa rakakosha mukuzadzisa zvishuwo zvako zvemari uye kubatsira kugadzikana kwemari yako uye kukura kwehupfumi hwako.

Usati waenda, heino dzidziso inokudzidzisa kutengesa mazano paInternet. Dzvanya pano kuti uitenge.

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