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.

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.

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