Konke odinga ukukwazi mayelana nama-akhawunti emakethe yemali
Ama-akhawunti emakethe yemali anenzalo, ama-akhawunti asebhange anomshwalense kahulumeni avame ukuza namalungelo okukhokha ngesheke kanye I-debit card.
Funda ukuthi ama-akhawunti emakethe yemali asebenza kanjani futhi uhlukanise phakathi kwalawa ma-akhawunti namanye ukuze unqume ukuthi ayimoto elungile yini yezinhloso zakho nezidingo ze-liquidity.
Kodwa ngaphambi kokuthi uqale, nansi ukuqeqeshwa kwe-premium okuzokwenza ikuvumela ukuthi wazi zonke izimfihlo zokuphumelela kuPodcast.
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Iyini i-akhawunti yemakethe yemali?
I-akhawunti yemakethe yemali i-akhawunti yokulondoloza enezici ezithile zokulawula. Ngokuvamile iza namasheke noma ikhadi ledebithi futhi ivumela inani elilinganiselwe lemisebenzi njalo ngenyanga.
Ngokwesiko, ama-akhawunti emakethe yemali anikeza amanani enzalo aphezulu kunama-akhawunti okulondoloza avamile. Kodwa namuhla, amanani ayafana. Izimakethe zemali zivame ukuba nediphozithi ephezulu noma izidingo zebhalansi encane kunama-akhawunti okonga, ngakho qhathanisa izinketho zakho ngaphambi kokunquma eyodwa.
E-USA, ama-akhawunti emakethe yemali afakwe umshwalense yi- I-Federal Deposit Insurance Corp. (emabhange) kanye ne-National Credit Union Administration (ezinyunyaneni zezikweletu), ngakho-ke ngeke ulahlekelwe amadiphozithi akho ngisho noma isikhungo sezezimali siqothuka.
Lawa ma-akhawunti avame ukudideka nezimali zemakethe yemali, okuyizikhwama ezihlanganyelwe ezinikezwa izinkampani zokutshala imali. Abathengi bayakwazisa ukutholakala kwezimali kwama-akhawunti emakethe yemali kanye nezimali zemakethe yemali ngoba zombili zinikeza ukufinyelela okulula kukheshi.
Kodwa akuyona into efanayo. Ama-akhawunti emakethe yemali angama-akhawunti ediphozithi yemali enomshwalense amele ukheshi otholakala kalula, yingakho ebizwa nangokuthi “ama-akhawunti ediphozi yemakethe yemali”. Izimali zemakethe yemali zihlukaniswa njengezilingana nokheshi futhi azinamshwalense we-FDIC
I-akhawunti yemakethe yemali VS i-akhawunti yokonga
Womabili ama-akhawunti athola inzalo futhi anikeze ukufinyelela okulula emalini ngokukuvumela ukuthi ukhiphe ukheshi uma udingeka kuze kufike emikhawulweni yokukhipha. Kodwa azifezi izinjongo ezifanayo ngaso sonke isikhathi.
I-akhawunti yemakethe yemali iwuhlobo lwe-akhawunti yediphozithi evame ukudinga ibhalansi ephansi ephezulu. Ngokwesiko ikhokha inzalo ephezulu kune-akhawunti yokulondoloza ejwayelekile.
Amanye ama-CMM nawo eza ne ikhadi lasebhange noma amasheke – ongeke ukuthole kuma-akhawunti okonga. Izikhungo zingadinga ukuthi zisetshenziswe izikhathi ezingaphezu kweziyisithupha ngenyanga.
Abanye bazokhokhisa uma weqa leyo nombolo. I-akhawunti yokonga enenzalo enkulu ikhokha amanani akhangayo kodwa ngokuvamile ayinalo ikhadi ledebhithi noma isheke ukufinyelela.
Isizathu esiyinhloko sokuvula i-CMM iwukuba nenzalo ephezulu uma iqhathaniswa ne-akhawunti yokonga noma i-akhawunti yokuhlola evamile, kuyilapho unethuba lokubhala amasheke ambalwa. Khumbula ukuthi kwezinye izimo amazinga emakethe yemali kanye namazinga okonga ayafana kakhulu kulezi zinsuku.
Ukuqhathaniswa kwe-akhawunti ye-Money Market kanye namanye ama-akhawunti asebhange
Ama-akhawunti emakethe yemali anikeza ukusebenza okuhluke kancane kunamanye ama-akhawunti asebhange. Nakhu ukubheka ukuthi ziqhathaniswa kanjani nama-akhawunti asebhange endabuko anikezwa amabhange amaningi anesevisi egcwele.
I-Akhawunti Yokulondoloza Imali Enkulu
I-akhawunti yemakethe yemali ayifani ne-akhawunti yokonga yendabuko okungenzeka ukuthi uyijwayele. Umehluko omkhulu phakathi kwama-akhawunti amabili ukuthi ama-akhawunti emakethe yemali ngokuvamile anikeza isivuno esiphezulu samaphesenti wonyaka (APY), ikakhulukazi ama-akhawunti emakethe yemali aphezulu anikezwa amabhange aku-inthanethi. Futhi ngokuvamile uzoba namalungelo okubhala okuhlola kanye a I-debit card.
I akhawunti yamanje
Ama-akhawunti okuhlola endabuko enzelwe imisebenzi yansuku zonke. Ama-akhawunti emakethe yemali awasebenzi ngale ndlela njengoba ngokwesiko engaphansi kwemikhawulo yokuthenga yanyanga zonke.
Uma ufuna ukugcina imali yakho ifinyeleleka emisebenzini yansuku zonke, dala i-akhawunti yokuhlola. Amanye ama-akhawunti emakethe yemali eza nokuhlola izinzuzo ze-akhawunti, njengamakhadi edebithi okufinyelela ku-ATM namalungelo okubhala isheke.
Futhi, inzalo etholwe ngama-akhawunti emakethe yemali ingumehluko omkhulu phakathi kwama-akhawunti. Ama-akhawunti amaningi okuhlola awanayo inzalo.
Isitifiketi Sediphozithi (CD)
Ama-CD angafaniswa nama-akhawunti emakethe yemali ngokwezilinganiso zenzalo. Zombili zinganikeza ama-APY akhiqiza kakhulu.
Umehluko wukuthi ama-CD adinga ukuthi ushiye izimali zakho zingakathintwa isikhathi esithile, kusukela esikhathini esingangenyanga eyodwa kuya eminyakeni emihlanu noma eyi-10. Ama-CD amaningi awakuvumeli ukuthi ukhiphe imali ngaphambi kwesikhathi ngaphandle kokujeziswa.
Omunye umehluko phakathi kwama-CD nama-akhawunti emakethe yemali uhlobo lwezinga lenzalo ngayinye enalo. Uma uvula i-CD, ukhiyela inzalo engaguquki kuyo yonke itemu ye-CD. Anama-APY aguquguqukayo, okusho ukuthi izinga lingakhuphuka noma lehle nganoma yiluphi usuku.
Ama-akhawunti emakethe yemali ngokuvamile agcina amanani aphezulu kakhulu amabhalansi aphezulu. Amanani aphezulu e-CD avame ukunikezwa amatemu amade e-CD.
Izindlela Ezinhle Zokusebenzisa I-akhawunti Yemakethe Yemali
Ama-akhawunti emakethe yemali ayimoto enhle kakhulu yokuphishekela imigomo yokonga yesikhathi esifushane neyesikhathi eside. Zikuvumela ukuthi uhlukanise imali ethile ku-akhawunti yakho yasebhange yansuku zonke ukuze ulondolozele ikusasa. Bayi-akhawunti yasebhange enhle ongayisebenzisela:
- Isikhwama sezimo eziphuthumayo
- Izindleko zomshado
- Isikhwama seholide
- Izinkokhelo zentela
- amaphrojekthi wokuthuthukisa ikhaya
- Ukongela imoto entsha
- Ukonga impesheni
- Eminye imigomo yokonga yesikhathi esifushane
Ukusetshenziswa kwe-akhawunti yemakethe yemali akupheli. Futhi, imali yakho itholakala kalula uma uyidinga.
Izinzuzo kanye Nobubi Bama-Akhawunti Wemakethe Yemali
Ingabe i-akhawunti yemakethe yemali ikufanele? Kuya ngesimo. Uma ucabanga eyodwa, gcina lezi ezinhle nezimbi engqondweni.
Izinzuzo zama-akhawunti e-Money Market
Amazinga enzalo aphezulu. Izilinganiso zenzalo zivame ukuba phezulu kunama-akhawunti okulondoloza.
Ukubhalwa kwamasheke. Ama-akhawunti amaningi ezimakethe zemali avumela amakhasimende ukuthi abhale amasheke ukuze adwebe kumadiphozithi awo lapho ikhadi ledebithi lingamukelwa.
Amakhadi edebithi. Ikhadi ledebithi eliza namaningi alawa ma-akhawunti lenza kube lula ngisho nokuthenga okungajwayelekile ngepulasitiki.
Thola 200% Ibhonasi ngemuva kwediphozithi yakho yokuqala. Sebenzisa le khodi yephromoshini esemthethweni: argent2035
Umshwalense wediphozithi: Umshwalense we-FDIC noma we-NCUA ukunika ukuthula kwengqondo ukuthi ngeke ulahlekelwe yimali yakho noma ibhange ligoqekile.
Ngaphezu kwalokho, lawa ma-akhawunti akuvumela ukuthi:
- Finyelela izimali kalula kunama-akhawunti okonga endabuko anamakhadi edebithi namasheke. Lesi sikhungo singaba usizo kakhulu esimweni esiphuthumayo.
- Zuza ngamanani angcono kunama-akhawunti okuhlola endabuko.
- Yiba nendawo ephephile yokugcina isamba esikhulu semali, evikelwe umshwalense we-FDIC.
Ububi Bama-Akhawunti Emakethe Yemali
- Izimali zingase zibe lula kakhulu ukuzisebenzisa.
- Amanye ama-akhawunti adinga amabhalansi amancane aphezulu ukuze avule noma agweme izinkokhelo.
- Ezimweni eziningi, ama-akhawunti okulondoloza azuza inzalo elingana nayo.
- Izimfuneko ezisezingeni eliphezulu zebhalansi. Ngokuvamile uzodinga ukugcina ibhalansi ye-akhawunti ephezulu kune-akhawunti yokulondoloza. Lokho ongeke ukwazi ukukukhokhela noma okungase kukuvimbele ekukhokheleni ezinye izindleko.
- Imali yanyanga zonke. Uma ungakwazi ukuhlangabezana nemfuneko yebhalansi encane, uzokhokha izimali ezingadla kumadiphozithi akho.
- Imikhawulo Yokuhoxiswa. Isilinganiso senani lokuhoxiswa kwanyanga zonke ongakwenza kusuka kulawa ma-akhawunti ngokujwayelekile kuwenza angasebenzi ekusetshenzisweni kwemali kwansuku zonke.
I-Sumumé
- Ama-akhawunti emakethe yemali afakwe umshwalense kahulumeni futhi anikezwa amabhange nezinyunyana zezikweletu.
- Babelana ngezici ezijwayelekile nama-akhawunti okulondoloza kanye nama-akhawunti okuhlola.
- Kuyimoto ekahle yezimo eziphuthumayo kanye nezimali ezicwilayo.
- Banikeza imali ephakeme kakhulu kunama-akhawunti okulondoloza ngenxa yezidingo zabo zebhalansi eziphakeme ngokwesiko.
Ngaphambi kokuthi uhambe, nakhu ukuqeqeshwa okukuvumela ukuba wenze kanjalo master ukuhweba ngehora eli-1 nje. Chofoza lapha ukuze uyithenge.
Ngishiyele amazwana futhi wabelane ezingosini zakho zokuxhumana
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