Yonke into okufuneka uyazi malunga neeakhawunti zentengiso yemali

Iiakhawunti zemarike yemali zinenzala, iiakhawunti zebhanki ezikwi-inshorensi karhulumente ezihlala ziza namalungelo okuhlawula ngetshekhi kunye ikhadi ekufakwa imali.

Funda indlela ii-akhawunti zemarike yemali ezisebenza ngayo kwaye wahlule phakathi kwezi akhawunti kunye nezinye ukuze ubone ukuba ngaba zisithuthi esifanelekileyo kwiinjongo zakho kunye neemfuno zokuhlawula imali.

Kodwa ngaphambi kokuba uqale, nalu uqeqesho lweprimiyamu oluya kuthi ikuvumela ukuba wazi zonke iimfihlo zokuphumelela kwiPodcast.

Yintoni iakhawunti yemalike yemali?

I-akhawunti yemalike yemali yi-akhawunti yokonga eneempawu ezithile zolawulo. Ngokuqhelekileyo iza kunye neetshekhi okanye ikhadi le-debit kwaye ivumela inani eliqingqiweyo leentengiselwano ngenyanga nganye.

Ngokwemveli, iiakhawunti zeemalike zemali zibonelela ngenzala ephezulu kuneeakhawunti zogcino eziqhelekileyo. Kodwa namhlanje, iireyithi ziyafana. Iimarike zemali zihlala zinediphozithi ephezulu okanye ubuncinane beemfuno zebhalansi kuneeakhawunti zokulondoloza, ke thelekisa iinketho zakho ngaphambi kokuba wenze isigqibo kwenye.

E-USA, ii-akhawunti zeemarike zemali zikhuselwe yi-inshorensi Federal Deposit Insurance Corp. (ezibhankini) kunye neNational Credit Union Administration (kwiimanyano zamatyala), ngoko ke awuzukulahlekelwa ziidipozithi zakho nokuba iziko lezemali liyatshona.

Ezi akhawunti zihlala zibhidaniswa kunye neemali zemarike yemali, eziyimali edibeneyo enikezelwa ziinkampani zotyalo-mali. Abathengi bayabuxabisa ubungako bee-akhawunti zemarike yemali kunye neengxowa-mali zemarike yemali kuba zombini zibonelela ngokufikelela ngokulula kwimali.

Kodwa ayisiyonto inye. Ii-akhawunti ze-Money market zii-akhawunti zediphozithi ye-inshorensi emele imali efumaneka lula, yiyo loo nto ikwabizwa ngokuba “zii-akhawunti zediphozithi yemalike yemali”. Iimali zemarike yemali zihlelwa njengezilingana nemali kwaye azikhuselwanga yi-FDIC

Iakhawunti yemalike yemali VS iakhawunti yokonga

Zombini ezi akhawunti zifumana inzala kwaye zibonelela ngofikelelo olulula emalini ngokukuvumela ukuba utsale imali ngokwemfuno ukuya kutsho kumda wokutsalwa. Kodwa azisoloko ziphumeza iinjongo ezifanayo.

I-akhawunti yemalike yemali luhlobo lwe-akhawunti yediphozithi ehlala ifuna ibhalansi ephezulu encinci. Ngokwesiqhelo ihlawula inzala ephezulu kune-akhawunti yokonga eqhelekileyo.

Ezinye ii-CMM nazo ziza ne ikhadi debit okanye iitshekhi – ongayi kuzifumana kwiiakhawunti zokonga. Amaziko anokufuna ukuba asetyenziswe ngaphezu kwezihlandlo ezithandathu ngenyanga.

Abanye baya kukuhlawulisa umrhumo ukuba udlula kwelo nani. I-akhawunti yokonga enenzala ephezulu ihlawula amaxabiso anomtsalane kodwa idla ngokuba ayinalo ikhadi lebhanki okanye isheke ukufikelela.

Esona sizathu siphambili sokuvula i-CMM kukuba nenzala ephezulu xa kuthelekiswa ne-akhawunti yokonga okanye i-akhawunti yokutshekisha ngokwesiko, ngelixa unethuba lokubhala iitshekhi ezimbalwa. Gcina ukhumbula ukuba kwezinye iimeko amaxabiso emalike yemali kunye namazinga okonga ayafana kule mihla.

Ukuthelekiswa kweAkhawunti yeMalike kunye nezinye iiAkhawunti zeBhanki

Iiakhawunti zemarike yemali zibonelela ngokusebenza okwahlukileyo kunezinye iiakhawunti zebhanki. Nantsi ukujonga indlela abathelekisa ngayo neeakhawunti zebhanki eziqhelekileyo ezibonelelwa ziibhanki ezinenkonzo epheleleyo.

Iakhawunti yokonga iSivuno esiPhezulu

I-akhawunti yemalike yemali ayifani ne-akhawunti yokonga yesiqhelo oqhele ukuqhela kuyo. Umahluko omkhulu phakathi kwee-akhawunti ezimbini kukuba ii-akhawunti zemarike yemali zibonelela ngesivuno esiphezulu sonyaka (APY), ngakumbi ii-akhawunti eziphezulu zeemarike ezinikezelwa iibhanki ze-intanethi. Kwaye uya kuba namalungelo okubhala okukhangela kunye ne ikhadi ekufakwa imali.

I-akhawunti yangoku

Ii-akhawunti zokutshekisha eziqhelekileyo zenzelwe ukuthengiselana kwemihla ngemihla. Iiakhawunti zemalike azisebenzi ngolu hlobo njengoko ngokwesithethe ziphantsi kwemida yentengiselwano yenyanga.

Ukuba ufuna ukugcina imali yakho ifikeleleke kwiintengiselwano zemihla ngemihla, yenza i-akhawunti yokujonga. Ezinye ii-akhawunti zemarike yemali ziza kunye nokujonga izibonelelo zeakhawunti, ezinje nge-debit card yokufikelela kwi-ATM kunye namalungelo okubhala itshekhi.

Kwakhona, inzala efunyenwe ngeeakhawunti zeemarike zemali ngumahluko omkhulu phakathi kweeakhawunti. Uninzi lweeakhawunti ezitshekishwayo azinanzala.

Isiqinisekiso seDiphozithi (CD)

IiCD zinokuthelekiswa neeakhawunti zeemarike zemali ngokwemilinganiselo yenzala. Zombini zinokubonelela ngee-APY ezivelisa kakhulu.

Umahluko kukuba ii-CDs zifuna ukuba ushiye imali yakho ingasetyenziswanga kangangexesha elithile, ukusuka kwinyanga encinane ukuya kutsho kwiminyaka emihlanu okanye eli-10. IiCD ezininzi azikuvumeli ukuba utsale imali phambi kwexesha ngaphandle kokuba wohlwaywe.

Omnye umahluko phakathi kwee-CD kunye nee-akhawunti zemarike yemali luhlobo lweqondo lenzala abanalo. Xa uvula iCD, utshixa inzala emiselweyo ngexesha lonke leCD. Zinee-APY eziguquguqukayo, okuthetha ukuba izinga linokunyuka okanye lihle ngalo naluphi na usuku.

Iiakhawunti zeemarike zemali zihlala zigcina awona mazinga aphezulu kwiibhalansi eziphezulu. Awona mazinga aphezulu e-CD adla ngokunikezelwa kwii-CD ezinde.

Iindlela ezilungileyo zokusebenzisa iAkhawunti yeMarike yeMali

Iiakhawunti zeemarike zemali zisithuthi esihle kakhulu sokulandela iinjongo zokulondoloza ixesha elifutshane kunye nexesha elide. Bakuvumela ukuba wahlule imali ethile kwiakhawunti yakho yebhanki yemihla ngemihla ukuze ulondolozele ikamva. Ziyiakhawunti enkulu yebhanki ukuyisebenzisela:

• Ingxowa-mali kaxakeka
• Iindleko zomtshato
• Ingxowa-mali yeholide
• Iintlawulo zerhafu
• iiprojekthi zokuphucula ikhaya
• Ugcinela imoto entsha
• Ugcino lomhlalaphantsi
• Ezinye iinjongo zokulondoloza ixesha elifutshane

Ukusetyenziswa kweakhawunti yemalike yemali akupheli. Ngaphezu koko, imali yakho ifumaneka ngokulula ukuba uyayifuna.

Izinto eziluncedo kunye nezingeloncedo kwiiAkhawunti zeMarike yeMali

Ngaba i-akhawunti yemalike yemali inexabiso layo? Kuyaxhomekeka. Ukuba ucinga enye, gcina ezi zinto ezintle kunye nezingalunganga engqondweni.

Okuzuzwayo kwiiAkhawunti zeMarike yeMali

Inzala ephezulu. Inzala ithande ukuba phezulu kuneeakhawunti zogcino.

Ukubhalwa kweetshekhi. Iiakhawunti ezininzi zeemarike zemali zivumela abathengi ukuba babhale iitshekhi zokuzoba kwiidiphozithi zabo xa ikhadi lebhanki lingamkelwa.

Amakhadi etyala. Ikhadi ledebhithi eliza nezininzi zezi akhawunti lenza kube lula ukuthenga into engaqhelekanga ngeplastiki.

I-inshurensi yediphozithi: I-inshurensi ye-FDIC okanye i-NCUA ikunika uxolo lwengqondo lokuba awuzukulahlekelwa yimali yakho nokuba ibhanki iyasonga.

Ngaphaya koko, ezi akhawunti zikuvumela ukuba:

• Ukufikelela kwiimali ngokulula ngakumbi kuneeakhawunti zogcino lwemveli ezinamakhadi ebhanki kunye neetshekhi. Esi sibonelelo sinokuba luncedo kakhulu kwimeko kaxakeka.
• Zuza kumaxabiso angcono kuneeakhawunti zokujonga zemveli.
• Yiba nendawo ekhuselekileyo yokugcina isixa esikhulu semali, ekhuselwe yi-inshurensi ye-FDIC.

Izinto ezingeloncedo kwiiAkhawunti zeMarike yeMali

• Imali isenokuba lula kakhulu ukuyisebenzisa.
• Ezinye iiakhawunti zifuna ibhalansi ephantsi ephezulu ukuvula okanye ukuphepha imirhumo.
• Kwiimeko ezininzi, iiakhawunti zogcino zifumana inzala eninzi nje.
• Iimfuno zomncono ophantsi ophezulu. Kuya kufuneka ukuba ulondoloze ibhalansi ephezulu ye-akhawunti kune-akhawunti yokonga. Izinto ongenakukwazi ukuzifikelela okanye ezinokukuthintela ekuhlawuleni ezinye iindleko.
• Umrhumo wenyanga. Ukuba awukwazi ukuhlangabezana neyona mfuno isezantsi yebhalansi, uya kuhlawula imirhumo enokutya kwiidiphozithi zakho.
• Imida yokurhoxa. I-cap kwinani lokutsalwa kwenyanga onokuthi wenze ngokwesiko kwezi akhawunti kubenza bangasebenzi kwinkcitho yemihla ngemihla.

isishwankathelo

• Iiakhawunti zemalike yemali zikhuselwe ngurhulumente kwaye zibonelelwa ziibhanki kunye neemanyano zamatyala.
• Babelana ngeempawu eziqhelekileyo kunye nee-akhawunti zokulondoloza kunye nee-akhawunti zokujonga.
• Yeyona nqwelo ifanelekileyo yongxamiseko kunye neemali ezizikayo.
• Banikezela ngexabiso eliphezulu lokuhlawula amatyala kunee-akhawunti zogcino ngenxa yeemfuno zabo zesiqhelo ezisezantsi zomncono.

Ngaphambi kokuba uhambe, nalu uqeqesho olukuvumela ukuba wenze njalo master yorhwebo ngeyure nje 1. Cofa apha ukuze uyithenge.

Ndishiye uluvo kwaye wabelane kwiinethiwekhi zakho zentlalo