Siyini isitifiketi sediphozi (CD)?

Uma unayo ukonga ukuthi awudingi isikhashana , a isitifiketi sediphozi kungaba kuhle. I-CD ivamise ukukunikeza inzalo ephakeme ezikhwameni zakho ukuthi a i-akhawunti evamile yokonga , kepha uma udinga imali yakho ngaphambi kwesikhathi, uzokhokha inhlawulo .

Siyini ngempela isitifiketi sediphozi (CD)?

Isitifiketi sediphozi, esivame ukubizwa nge-CD , yi-akhawunti ekhethekile yokonga ongayivula kuningi le- amabhange nezinyunyana zezikweletu . Kepha ngokungafani ne-akhawunti ye- ukonga njalo , Ama-CD adinga ukuthi ubambe izimali zakho isikhathi se- isikhathi esithile kuze kufike kokukodwa Usuku olumisiwe . Ngokuphindaphindiwe, uzothola i- inzalo ephakeme .

Lesi sici esiyingqayizivele senza ama-CD aphelele njengenhloso yokonga isikhathi eside. Ngokuvamile, ungathola amanani enzalo angcono kunaleyo enikezwa yi-akhawunti yokonga ngaphandle kwengozi yokutshala imali emakethe yamasheya.

Ungasakha kanjani isitifiketi sediphozithi (CD)

Xhumana nebhange lakho noma inyunyana yezikweletu uma ukhetha ukuvula i-CD esikhungweni sangakini sezezimali. Amabhange amaningi azochaza izinketho zakho futhi akuvumele ukuthi wenze utshalomali lwe-CD online. Ungashayela nesevisi yamakhasimende noma ukhulume nasebhange mathupha.

Chaza ukuthi ungathanda ukutshala malini bese ubuza ngezinhlawulo zokukhipha imali kusenesikhathi kanye neminye imikhiqizo ye-CD. Ibhange lingaba nezinketho ezingeziwe ze-CD ezikulungele kangcono. Banganikela ngamanani aphezulu, ukuguquguquka okungaphezulu, noma ezinye izici.

Uzobona i-akhawunti ehlukile ezitatimendeni zakho noma kudeshibhodi eku-inthanethi ngemuva kokuhambisa imali yakho kwi-CD.

Ama-CD angabanjwa cishe kunoma yiluphi uhlobo lwe-akhawunti, kufaka phakathi ama-akhawunti ngamanye womhlalaphansi (ama-IRAs), ama-akhawunti ahlanganyelwe, ama-trust kanye nama-akhawunti abagcini.

Vele uqiniseke ukuthi unamathela kumaCD aqinisekiswe yiFederal Deposit Insurance Corp. noma iNational Credit Union Administration. Ungesabi ukucela ibhange lakho isilinganiso esingcono, ikakhulukazi uma wenza ibhizinisi elibalulekile nalelo bhange noma inyunyana yezikweletu.

Izinhlobo zama-CD

I-CD ye-Liquid noma ayikho inhlawulo

Ama-CD oketshezi akuvumela ukuthi ukhiphe imali yakho kusenesikhathi ngaphandle kokukhokha inhlawulo. ⁵Lokhu kuvumelana nezimo kukuvumela ukuthi uhambise izimali zakho kwi-CD ekhokha kakhulu uma ithuba livela, kepha liza ngentengo.

Ama-CD oketshezi angakhokha inzalo ephansi kunama-CD okhiyelwe kuwo. ⁶Lokhu kunengqondo uma ukubheka ngokombono webhange. Bazibeka engcupheni yokwenyuka kwamanani wenzalo. Noma kunjalo, ukuhola kancane isikhathi esifushane kungakufanele uma ungashintshela kuzinga eliphakeme ngokuhamba kwesikhathi, futhi uma uqiniseka ukuthi amanani azokwenyuka maduzane.

Qiniseka ukuthi uyaqonda noma yimiphi imikhawulo uma ucabanga ukutshala imali kwi-CD engamanzi. Kwesinye isikhathi unqunyelwe ukuthi ungakhipha nini imali nokuthi kungathatha isikhathi esingakanani nganoma yisiphi isikhathi. Ungadinga futhi ukutshala imali enkudlwana ngaphambili kunezinye izinhlobo zamaCD.

I-CD yokwengeza

Ama-CD anqwabelene ahlinzeka inzuzo efanayo kuma-CD angamanzi . Awunamathele ngesivuno esibi uma amazinga wenzalo ekhuphuka ngemuva kokuwuthenga. Ungagcina i-akhawunti yakho ekhona yeCD bese ushintshela ezingeni elisha eliphakeme elinikezwa yibhange lakho.^{7 7}

Ungadinga ukwazisa ibhange lakho ngaphambi kwesikhathi ukuthi ufuna ukusebenzisa inketho yakho yokwenyuka. Ibhange lithatha ukuthi linamathela esilinganisweni esikhona uma lingenzi lutho. Futhi, awutholi ukuthuthukiswa okungenamkhawulo.⁸

Njengama-CD aketshezi, ama-CD anqwabelene aqala ukukhokha inzalo ephansi kunama-CD ajwayelekile.⁹Ungathola uma amanani enyuka ngokwanele, kepha uma amanani ehlala emile noma ewa, ngabe ubungcono nge-CD ejwayelekile.

Ama-CD ajulile

Lokhu kuza nokwenyuka kwenzalo kwenzalo okuhleliwe njalo ukuze ungabi ngaphansi kwezinga ebelisebenza ngesikhathi uthenga i-CD yakho. Ukuphakama kungafika njalo ezinyangeni eziyisithupha kuya kweziyisikhombisa.^{10 ishumi nanye}

Ama-CD alungisiwe

Ama-CD athengiswayo athengiswa kuma-akhawunti wabarhwebi. Ungathenga ama-CD athengiswayo kubanikezeli abaningi futhi uwagcine endaweni eyodwa esikhundleni sokuvula i-akhawunti yasebhange futhi usebenzise ama-CD owakhethayo.¹²Lokhu kukunika ukukhetha, kepha ama-CD aqhekekile aqukethe ezinye izingozi.

Qiniseka ukuthi noma yimuphi umhlinzeki omcabangayo unomshuwalense we-FDIC. Akumangalisi ukuthi ama-CD angenawo umshwalense akhokha kakhulu. Ukuphuma kwi-CD edayiswayo kusenesikhathi nakho kungaba yinselele.¹

Ama-CD amakhulu

Njengoba igama lisho, ama-CD e-jumbo anezidingo ezisezingeni eliphansi kakhulu, ngokuvamile ezeqa u- $ 100,000. Kuyindawo ephephile yokupaka imali enkulu ngoba kuze kufike ku- $ 250,000 i-FDIC ine-insured futhi uzothola inzalo ephakeme kakhulu.¹³

Izinsuku zokuphelelwa yisikhathi

Ama-CD avuthwa ekugcineni kwamatemu awo, futhi kuzofanele unqume ukuthi uzokwenzenjani ngokulandelayo. Ibhange lakho lizokwazisa uma lolu suku selusondela, futhi likunikeze nezinketho eziningi. Uma ungenzi lutho futhi iCD yakho ivuselelwa ngokuzenzekelayo, imali yakho izodluliselwa kwenye iCD. Uma ngabe uku-CD yezinyanga eziyisithupha, ibizokwehlela kwenye i-CD yezinyanga eziyisithupha. Izinga lenzalo lingahle libe ngaphezulu noma libe ngaphansi kunezinga owawuthola phambilini.

Yazisa ibhange lakho ngaphambi komnqamulajuqu wokuvuselela uma ufuna ukwenza okungaphezu kokudlulisela imali yakho kwi-CD entsha. Ungadlulisela imali kwi-akhawunti yakho yokubheka noma yokonga, noma ungashintshela kwi-CD ehlukile enesikhathi eside noma esifushane.

Ukwakha iladi le-CD

Uma unesifiso sokusebenzisa ama-CD njengengxenye eyinhloko yohlelo lwakho lokonga, ungacabanga ngesitebhisi, isu elijwayelekile lokutshala imali nge-CD. Le nqubo ifaka kuqala ukuthenga ama-CD amaningi anamagama ahlukene ukuvuthwa ngezikhathi ezijwayelekile bese uphinde utshale imali kuma-CD wesikhathi eside njengoba ama-initials evuthwa.

Isibonelo, uma ugcina u- $ 5,000, ungafaka u- $ 1,000 kuma-CD amahlanu kulawa ngezinsuku zokuphelelwa yisikhathi unyaka owodwa ngaphandle. Lapho i-CD yonyaka owodwa iphela, uzohambisa leyo mali kwi-CD entsha yeminyaka emihlanu, ezophela ngonyaka ngemuva kwe-CD yakho yeminyaka emihlanu yokuqala. Ngoba i-CD izophelelwa yisikhathi minyaka yonke, ungaqhubeka nale nqubo ngokungapheli kuze kube yilapho udinga imali ngonyaka onikeziwe.

Izitebhisi zikusiza ukuthi ugweme ukubeka yonke imali yakho kwi-CD ekhokha kancane, futhi zikusiza ukuthi ugweme ukukhokhisa ngaphambi kwesikhathi nokukhokha izinhlawulo.

Kwenzekani uma uvala i-CD kusenesikhathi?

Uma unquma ukuthi yini oyidingayo izimali zakho ngaphambi kosuku lwe- ukuphela kwesikhathi , uzokhokha eyodwa inhlawulo yokuhoxa ngaphambi kwesikhathi . Lokhu kuvame ukulingana nenani elithile lezinyanga zenzuzo ngokususelwa kubude be-CD.

Uma unemali ofuna ukuyigcina iphephile isikhathi esisukela ezinyangeni ezimbalwa kuya eminyakeni eminingana, i-CD ingaba yindlela enhle yokonga. Inhlawulo yokuqala yokukhipha kwi-CD ikukhuthaza ukuthi ugcine imali yakho ebhange esikhundleni sokuyisebenzisa.

Izinga lenzalo kumaCD livame ukukhuphuka njengoba igama landa . Isibonelo, ngama-CD amaningi ezinyanga ezintathu, uzothola isilinganiso senzalo esiphansi ngokuqhathaniswa kunama-CD wezinyanga eziyi-12. Izikhathi ezijwayelekile zamaCD ziyizinyanga ezintathu, eziyisithupha, 12, 24, noma ezingama-60. Qaphela ukuthi ungasayini i-CD enokuvuthwa kakhulu esikhathini esizayo. Awufuni ukuthi imali yakho iboshwe lapho uyidinga, ikakhulukazi ngoba kuzokubiza ukuthi uyikhiphe kusenesikhathi.

Izinga lenzalo kuma-CD ngokuvamile liphansi kunezimbuyiselo ekutshalweni kwezimali emakethe yamasheya, kodwa ama-CD aqinisekisiwe aze afike kumkhawulo womshuwalense we FDIC : $ 250,000 ye-akhawunti ngayinye noma i- $ 500,000 ye-akhawunti ehlangene. Kungakho isitifiketi sediphozi siyithuluzi elihle lokugcina inkokhelo ekhokhelwa ikhaya noma enye inhloso yezezimali noma ukuthenga okude.

Kungani ungafuni ukuba ne-CD?

Yize iCD ingaba ithuluzi elihle lokonga ezimweni eziningi, kunezizathu eziningi zokuthi kungani ungafuni ukufaka imali yakho kwi-CD. Kuya ngezidingo zakho zezezimali nezimo ezithile zemakethe zangaphandle.

Isibonelo, esimweni sanamuhla senzalo yemvelo, amanye ama-akhawunti okonga isivuno esikhulu akhokha inzalo ephezulu kunama-CD. Uma ungathola inzalo ethe xaxa ngaphandle kwesikhathi, ungahle ube ne-akhawunti yokonga ngokwendabuko kune-CD.

Kufanele uqhathanise nezinga lenzalo kwi-CD yakho nezinga lokwehla kwamandla emali elikhona manje. Abanye abagxeki bamaCD bathi amanani emali angakhuphuka ngokuhamba kwesikhathi abe phezulu kunezinga lenzalo kumaCD. Uma kunjalo, ungahle ulahlekelwe amandla okuhola ngokugcina imali yakho ikhiyiwe kwisitifiketi sediphozi.

Mhlawumbe okubi kakhulu kwi-CD yinhlawulo yokuqala yokuhoxiswa ekhokhiswayo uma ukhipha imali yakho ngaphambi kosuku olubekiwe. Inhlawulo yokuqala yokuhoxa ingaba yizindleko ezinkulu, ngakho-ke ungayithathi kancane!

Ezinye izindlela zama-CD

Uma uthanda umqondo wokuhola ngaphezu kwengxenyana yamaphesenti (njenge-akhawunti yokulondoloza ibhange lesikole esidala), i-CD ingaba yindlela efanele. Uma isitifiketi sediphozi singenzi mqondo kuwe, nazi ezinye izindlela ezimbalwa zokonga ngamanani angcono ngaphandle kokuvimba isikhathi.

• Ukonga okuphezulu kokusebenza: I-akhawunti yokulondoloza isivuno esiphezulu evela ebhange eliku-inthanethi inganikela ngenzalo ekhangayo ngenkathi ikunikeza inkululeko yokukhipha imali nganoma yisiphi isikhathi.
• Isikhwama sesibopho sesikhashana esifushane: Ama-bond awuhlobo lwemalimboleko ebhizinisini noma kuhulumeni. Izibopho zesikhashana esifushane ngokuvamile zinikeza ukubuyiselwa okungcono kunama-akhawunti asebhange ngaphandle kwengozi enkulu yemakethe yamasheya. Kepha khumbula ukuthi kukhona ingozi nganoma yikuphi ukutshalwa kwezimali, kufaka phakathi izibopho zesikhashana.
• Ama-US Savings Bonds: Uma ufuna ukonga imali isikhathi eside, ikakhulukazi ngenhloso ethile njengekolishi, amabhondi wokonga ayindawo ephephile yokugcina imali yakho. Ungaze ushaye ukwehla kwamandla emali ngesibopho sokuphepha soMgcinimafa esivikelekile.

isiphetho

Izitifiketi Zediphozithi zingaba yindlela enhle yokonga imali kwezinye izimo, kepha azilungele wonke umuntu. Kodwa uma unemali ofuna ukuyigcina ngokuphepha isikhathi esinqunyiwe futhi ufuna isilinganiso senzalo esingcono kune-akhawunti evamile yasebhange, iCD ingakulungela.

Imithombo:

1. Ikhomishini Yezokuphepha yase-US Ama-CD asebenza kahle: vikela imali yakho ngokubheka ukuphrinta okuhle . Ibuyiswe ngoMeyi 23, 2020.
2. Ihhovisi Lokuvikelwa Kwezimali Zabathengi. Siyini isitifiketi sediphozi (CD)? Ibuyiswe ngoMeyi 23, 2020.
3. Ibhange laseMelika. Izitifiketi Zediphozithi: Zisebenza Kanjani Ukukhulisa Imali Yakho . Ibuyiswe ngoMeyi 23, 2020.
4. I-Federal Deposit Insurance Corp. Ama-akhawunti ahlangene , ikhasi 1. Ifinyelelwe ngoMeyi 23, 2020.
5. Ibhange Lokuqala LaseRiphabhulikhi. Izitifiketi Zotshwala . Ibuyiswe ngoMeyi 23, 2020.
6. IRiphabhulikhi yokuqala Uhlobo luni lwe-CD olulungele wena? Ibuyiswe ngoMeyi 23, 2020.
7. Ally Bank. Izinhlobo ezikhulayo zezitifiketi zediphozi (ama-CD) . Ibuyiswe ngoMeyi 23, 2020.
8. Ally Bank. Khulisa isilinganiso sakho se-CD . Ibuyiswe ngoMeyi 23, 2020.
9. Thola ibhange. Izinto ezi-6 ezingathinta amazinga wenzalo ye-CD . Ibuyiswe ngoMeyi 23, 2020.

Ukuzikhulula: Le yindatshana yolwazi.

IRedargentina ayinikezi izeluleko zomthetho noma zomthetho, futhi akuhloselwe ukuthi ithathwe njengeseluleko sezomthetho.

Umbukeli / umsebenzisi waleli khasi lewebhu kufanele asebenzise imininingwane engenhla kuphela njengomhlahlandlela, futhi kufanele ngaso sonke isikhathi axhumane nemithombo engenhla noma abamele uhulumeni abasebenzisayo ukuthola imininingwane esesikhathini ngaleso sikhathi, ngaphambi kokwenza isinqumo.

Okuqukethwe

• Siyini ngempela isitifiketi sediphozi (CD)?
• Ungasakha kanjani isitifiketi sediphozithi (CD)
• Izinhlobo zama-CD
• I-CD ye-Liquid noma ayikho inhlawulo
• I-CD yokwengeza
• Ama-CD ajulile
• Ama-CD alungisiwe
• Ama-CD amakhulu
• Izinsuku zokuphelelwa yisikhathi
• Ukwakha iladi le-CD
• Kwenzekani uma uvala i-CD kusenesikhathi?
• Kungani ungafuni ukuba ne-CD?
• Ezinye izindlela zama-CD
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