Zvese zvaunoda kuti uzive nezve mari yemusika account

Maakaundi emusika wemari anobereka mubereko, maakaundi ebhangi ane inshuwarisi yehurumende anowanzo kuuya neropafadzo dzekubhadhara necheki uye. debit card.

Dzidza mashandiro anoita maakaundi emusika wemari uye mutsaura pakati peakaundi aya nevamwe kuti uone kana iri mota yakakodzera yezvinangwa zvako uye zvekushandisa.

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Chii chinonzi mari yemusika account?

Akaunti yemusika wemari iakaundi yekuchengetedza ine mamwe maitiro ekudzora. Kazhinji inouya necheki kana kadhi rechikwereti uye inobvumira nhamba shoma yekutengeserana mwedzi wega wega.

Sechinyakare, maakaundi emusika wemari aipa mibairo yakakwira kupfuura maakaundi ekuchengeta. Asi mazuva ano, mitengo yacho yakafanana. Misika yemari inowanzova nedhipoziti yakakwira kana kuti yakaderera chiyero chinodiwa kupfuura maakaundi ekuchengeta, saka enzanisa sarudzo dzako usati wafunga pane imwe.

MuUSA, maakaundi emusika wemari anochengetedzwa ne Federal Deposit Insurance Corp. (mumabhangi) uye National Credit Union Administration (mumibatanidzwa yezvikwereti), saka hauzorasikirwe nemadhipoziti ako kunyangwe dhipatimendi rezvemari rikabhuroka.

Aya maakaunti anowanzo kuvhiringika nemari yemusika wemari, ayo ari mutual mari inopihwa nemakambani ekudyara. Vatengi vanokoshesa kuwanda kwemaakaundi emusika wemari uye mari yemusika wemari nekuti zvese zvinopa nyore kuwana mari.

Asi hazvisi zvakafanana. Maakaundi emusika wemari ane insured cash deposit account anomiririra mari inowanikwa zviri nyore, ndosaka ichinziwo "money market deposit accounts". Mari yemusika wemari inoiswa semari yakaenzana uye haisi FDIC insured

Mari yemusika account VS savings account

Maakaundi ese ari maviri anowana mubereko uye anopa mukana nyore kuwana mari nekukubvumidza kuti utore mari painodiwa kusvika kumiganhu yekubvisa. Asi hazviiti nguva dzose zvinangwa zvakafanana.

A account yemusika wemari imhando yedhipoziti account iyo inowanzoda yakakwira yakaderera chiyero. Iyo yagara ichibhadhara yakakwira mubereko pane yakajairwa saving account.

Mamwe maCMM anouyawo ne debit card kana cheki - iyo yausingazowani nemasaving accounts. Masangano angada kuti ashandiswe asingapfuure katanhatu pamwedzi.

Vamwe vanochaja mari kana ukapfuura nhamba iyoyo. Akaundi yekuchengetera mubereko wakakwira inobhadhara mitengo inoyevedza asi kazhinji haina kadhi rechikwereti kana kutarisa mapindiro.

Chikonzero chikuru chekuvhura CMM kuve nechikwereti chepamusoro kana chichienzaniswa neakaundi yekuchengetedza kana yechinyakare cheki account, uchive nemukana wekunyora macheki mashoma. Ramba uchifunga kuti mune dzimwe nguva mitengo yemusika wemari uye mitengo yekuchengetedza yakangofanana mazuva ano.

Kuenzanisa kweMoney Market Account uye Mamwe Maakaundi eBhangi

Maakaundi emusika wemari anopa mashandiro akasiyana zvishoma pane mamwe maakaundi ekubhangi. Heano tarisa maitiro avanoenzanisa nemaakaundi emubhangi echinyakare anopihwa nemabhangi mazhinji akazara-sevhisi.

High Goho Savings Account

Iyo account yemusika wemari haina kufanana neyechinyakare saving account yaungangove wajaira. Musiyano mukuru pakati peakaunti mbiri idzi ndewekuti maakaundi emusika wemari anowanzo kupa yakakwira gore rega rega yegoho (APY), kunyanya maakaundi epamusoro emusika wemari anopihwa ne online mabhanga. Uye iwe kazhinji unenge uine cheki yekunyora kodzero uye a debit card.

Current account

Maakaundi ekutarisa echinyakare anoitirwa kutengeserana kwezuva nezuva. Maakaundi emusika wemari haashande neiyi nzira sezvo ari echinyakare ari pasi pemwedzi wekutengesa miganhu.

Kana iwe uchida kuchengetedza mari yako ichiwaniswa zvekutengesa zuva nezuva, gadzira account yekutarisa. Mamwe maakaundi emusika wemari anouya nekutarisa mabhenefiti eakaundi, akadai semakadhi ekubhengi ekuwana ATM uye cheki-yekunyora ropafadzo.

Zvekare, mubereko unowanikwa nemaakaundi emusika wemari ndiwo musiyano mukuru pakati peakaundi. Maakaundi echeki mazhinji haana mhindu.

Chitupa cheDhipositi (CD)

MaCD anogona kufananidzwa nemaakaundi emusika wemari maererano nemari yemubereko. Ose ari maviri anogona kupa akakwira-goho APYs.

Musiyano ndewekuti maCD anoda kuti iwe usiye mari yako isina kubatwa kwenguva yakati, kubva padiki semwedzi mumwe kusvika kureba makore mashanu kana gumi. MaCD mazhinji haakubvumidze kubvisa mari nekukurumidza pasina kurangwa.

Imwe misiyano pakati pemaCD nemaakaundi emusika wemari ndiyo mhando yemubereko wavainawo. Paunovhura CD, unokiya mubereko wakamisikidzwa wetemu yese yeCD. Vane maAPY akasiyana, zvinoreva kuti chiyero chinogona kukwira kana kudzika chero zuva.

Maakaundi emusika wemari anowanzo chengetedza mitengo yepamusoro yezviyero zvepamusoro. Iwo epamusoro maCD mareti anowanzo kupihwa kwenguva refu maCD mazwi.

Nzira Dzakanakisa dzekushandisa Akaunti yeMoney Market

Maakaundi emusika wemari imotokari yakanakisa yekutsvaga zvinangwa zvenguva pfupi uye zvenguva refu yekuchengetedza. Ivo vanokutendera iwe kuparadzanisa chaiyo mari kubva kubhengi account yako yemazuva ese kuti uchengetere ramangwana. Iwo iakaundi yakakura yekubhangi yekushandisa kune:

• Emergency fund
• Mari yemuchato
• Homwe yezororo
• Kubhadhara mutero
• zvirongwa zvekuvandudza dzimba
• Kuchengetera motokari itsva
• Pension saving
• Zvimwe zvinangwa zvenguva pfupi yekuchengetedza

Iko kushandiswa kweakaundi yemusika wemari hakuperi. Uyezve, mari yako inowanikwa nyore kana uchiida.

Zvakanakira uye Zvakaipa zveMoney Market Accounts

Iyo account yemusika wemari yakakosha here? Zvinoenderana. Kana uri kufunga nezveimwe, chengeta izvi zvakanakira nezvayakaipira mupfungwa.

Mabhenefiti eMoney Market Accounts

Mbereko yakakwirira. Mari dzemubereko dzinoita kunge dzakakwira kudarika maakaundi ekuchengeta.

Kunyora cheki. Maakaundi akawanda emusika wemari anobvumira vatengi kunyora cheki kuti vatore pamadhipoziti avo kana kadhi rekubhengi risingagamuchirwi.

Makadhi ekubhengi. Kadhi rechikwereti rinouya nemaakaundi mazhinji aya rinoita kuti zvive nyore kutenga zvisingaite nepurasitiki.

Inishuwarenzi yedhipoziti: FDIC kana NCUA inishuwarenzi inokupa rugare rwepfungwa kuti hauzorasikirwe nemari yako kunyangwe bhangi rapeta.

Uyezve, aya maakaundi anotendera iwe ku:

• Svika mari zviri nyore kupfuura nemaakaundi ekuchengetedza echinyakare ane makadhi ekubhengi uye cheki. Nzvimbo iyi inogona kubatsira zvakanyanya kana paine emergency.
• Batsirwa kubva kumareti arinani pane echinyakare cheki maakaundi.
• Iva nenzvimbo yakachengeteka yekuchengetedza mari yakawanda, yakachengetedzwa neFDIC inishuwarenzi.

Izvo Zvakaipa zveMoney Market Accounts

• Mari inogona kunge iri nyore kushandisa.
• Mamwe maakaundi anoda mabharanzi akanyanya kudiki kuvhura kana kudzivirira mubhadharo.
• Muzviitiko zvakawanda, maakaundi ekuchengetedza anowana mubereko wakawanda.
• Zvido zvepamusoro zvakasara zvishoma. Iwe kazhinji unozofanirwa kuchengetedza yakakwira account chiyero pane neakaundi yekuchengetedza. Zvaungasakwanisa kutenga kana izvo zvingakutadzisa kubhadhara mamwe madhiri.
• Mari yemwedzi. Kana iwe usingakwanise kuzadzisa iyo shoma chiyero chinodiwa, iwe unobhadhara mari inogona kudya mumadhipoziti ako.
• Withdrawall Limits. Iyo chivharo pahuwandu hwekubvisa pamwedzi kwaunogona kuita kubva kumaakaunti aya kunoita kuti dzisashande pakushandisa kwezuva nezuva.

Summary

• Maakaundi emusika wemari inshuwarisi yehurumende uye inopihwa nemabhangi nemasangano echikwereti.
• Ivo vanogovana zvakajairika hunhu nemaakaundi ekuchengetedza uye ekutarisa maakaundi.
• Imotokari yakanakira emergency uye kunyura mari.
• Ivo vanopa yakakwira liquidity pane yekuchengetedza maakaundi nekuda kwechinyakare yakakwira yakaderera chiyero zvinodiwa.

Usati waenda, heino dzidziso inokubvumira kuti uite tenzi kutengesa muawa imwe chete. Dzvanya pano kuti uitenge.

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