Satifiketi ya gawo (CD) ndi chiyani?

Ngati mwatero ndalama kuti simusowa kwakanthawi , a satifiketi yoyikira zitha kukhala zabwino. CD nthawi zambiri imakupatsani chiwongola dzanja chachikulu pa ndalama zanu kuti a akaunti yabwinobwino yosunga , koma ngati mukufuna ndalama zanu nthawi isanakwane, adzalipira chindapusa .

Kodi satifiketi yakusungitsa ndalama (CD) ndi chiyani kwenikweni?

Satifiketi yoyikira, yomwe imadziwika kuti CD , ndi akaunti yapadera yosunga ndalama yomwe mungatsegule m'malo ambiri a mabanki ndi mabungwe azama ngongole . Koma mosiyana ndi akaunti ya ndalama zonse , CD zimafuna kuti musunge ndalama zanu kwakanthawi nthawi yeniyeni mpaka chimodzi tsiku lomaliza . Pobweza, mupeza fayilo ya chiwongola dzanja chachikulu .

Mbali yapaderayi imapangitsa ma CD kukhala abwino ngati cholinga chanthawi yayitali. Nthawi zambiri, mutha kupeza chiwongola dzanja chabwinoko kuposa momwe mungasungitsire akaunti yosungira popanda chiopsezo chodziyikira pamsika wamsika.

Momwe mungapangire Satifiketi Yosungitsa (CD)

Lumikizanani ndi banki yanu kapena mgwirizano wanu ndi ngongole ngati mungasankhe kutsegula CD ku kampani yanu yazachuma. Mabanki ambiri amafotokoza zomwe mungasankhe ndikukulolani kupanga ndalama za CD pa intaneti. Muthanso kuyitanitsa makasitomala kapena kuyankhula ndi wosunga ndalama pamaso panu.

Fotokozani kuchuluka kwa ndalama zomwe mungafune kuyika ndikufunsani za zilango zoyambira kubweza ndi zinthu zina za CD. Banki itha kukhala ndi zosankha zina za CD zomwe zikukuyenererani. Amatha kupereka mitengo yokwera, kusinthasintha, kapena zina.

Mudzawona akaunti yosiyana pazolemba zanu kapena pa dashboard yapaintaneti mukasamutsa ndalama zanu ku CD.

Ma CD amatha kusungidwa muakaunti yamtundu uliwonse, kuphatikiza maakaunti opuma pantchito (IRAs), maakaunti olowa nawo, matrasti, ndi maakaunti osunga.

Onetsetsani kuti mumakhala ndi ma CD omwe inshuwaransi ya Federal Deposit Insurance Corp kapena National Credit Union Administration. Musaope kufunsa wabanki kuti akupatseni ndalama yabwino, makamaka ngati mumachita bizinesi yayikulu ndi banki kapena mgwirizano wa ngongole.

Mitundu ya CD

CD yamadzimadzi kapena chilango chilichonse

Ma CD amadzimadzi amakulolani kuti mutenge ndalama zanu koyambirira osapereka chindapusa. ⁵Kusinthaku kumakupatsani mwayi wosamutsa ndalama zanu ku CD yomwe imalipira ndalama zambiri mwayi ukapezeka, koma umabwera pamtengo.

Ma CD amadzimadzi amatha kulipira chiwongola dzanja chotsika kuposa ma CD omwe mudatsekeredwamo. ⁶Izi ndizomveka ngati mungaziyang'ane kuchokera ku banki. Amakhala pachiwopsezo chokwera chiwongola dzanja. Komabe, kulandira zochepa kwakanthawi kochepa kungakhale koyenera ngati mungasinthe kupita kumtunda wapamwamba pambuyo pake, ndipo ngati mukukhulupirira kuti mitengoyo idzawonjezeka posachedwa.

Onetsetsani kuti mukumvetsetsa zoletsa zilizonse ngati mukuganiza zopanga ndalama mu CD yamadzi. Nthawi zina mumangokhala ndi nthawi yomwe mungatenge ndalama komanso kuti zingatenge nthawi yayitali bwanji nthawi iliyonse. Muyeneranso kuyika ndalama zambiri patsogolo kuposa ma CD amtundu wina.

Zowonjezera CD

Ma CD omwe amapezeka amakhala ndi phindu lofanananso ndi ma CD amadzimadzi . Simumakhala ndi zokolola zochepa ngati chiwongola dzanja chikukwera mutagula chimodzi. Mutha kusunga akaunti yanu ya CD ndikusinthira ku banki yanu yatsopano.^{7 7}

Muyenera kudziwitsa banki yanu pasadakhale kuti mukufuna kugwiritsa ntchito mwayi wanu wowonjezerapo ndalama. Banki imaganiza kuti ikutsatira mlingo womwe ulipo ngati sichichita chilichonse. Komanso, simukupeza zosintha zopanda malire.⁸

Monga ma CD amadzimadzi, ma CD omwe amapezeka nthawi zambiri amayamba kulipira chiwongola dzanja chochepa kuposa ma CD wamba.⁹Mutha kupeza ngati mitengo ikukwera mokwanira, koma ngati mitengoyo ingayime kapena kugwa, mukadakhala bwino ndi CD yokhazikika.

Ma CD okonda kwambiri

Izi zimadza ndi chiwongola dzanja chomwe chimakonzedwa pafupipafupi kuti musakwanitse kulipira chiwongola dzanja chanu panthawi yomwe mudagula CD yanu. Kukweza kumatha kubwera miyezi isanu ndi umodzi kapena isanu ndi iwiri iliyonse.^{10 khumi ndi chimodzi}

Ma CD okonzedwa

Ma CD ogulitsa amagulitsidwa kumaakaunti ama broker. Mutha kugula ma CD omwe amagulitsidwa kwa omwe amapereka ndikuwasunga m'malo amodzi m'malo momatsegula akaunti yakubanki ndikugwiritsa ntchito ma CD omwe mwasankha.¹²Izi zimakupatsani chisankho, koma ma CD omwe ali ndi broketi amakhala ndi zoopsa zina.

Onetsetsani kuti aliyense amene mukumuganizira ndi FDIC inshuwaransi. Ndizosadabwitsa kuti ma CD osalimbikitsidwa amalipira kwambiri. Kutuluka mu CD yogulitsidwa koyambirira kungakhalenso kovuta.¹

Ma CD Akuluakulu

Monga dzinalo limatanthawuzira, ma CD a jumbo amakhala ndi zofunikira kwambiri, makamaka zoposa $ 100,000. Ndi malo abwino kuyimapo ndalama zambiri chifukwa mpaka $ 250,000 ndi inshuwaransi ya FDIC ndipo mupeza chiwongola dzanja chachikulu kwambiri.¹³

Madeti otha ntchito

Ma CD amatha kukhwima kumapeto kwa mawu awo, ndipo muyenera kusankha choti muchite pambuyo pake. Banki yanu ikudziwitsani tsikuli likuyandikira, ndikupatsirani zosankha zingapo. Ngati simukuchita kalikonse ndipo CD yanu ikukonzedwanso, ndalama zanu zidzasinthidwa kupita ku CD ina. Mukadakhala pa CD ya miyezi isanu ndi umodzi, imatha kupita ku CD ya miyezi isanu ndi umodzi. Chiwongoladzanja chikhoza kukhala chapamwamba kapena chotsika kuposa momwe mudapindulira kale.

Dziwitsani banki yanu tsiku lomaliza lisanakwane ngati mukufuna kuchita zambiri kuposa kungotumiza ndalama zanu ku CD yatsopano. Mutha kusamutsa ndalamazo kuakaunti yanu yoyang'anira kapena yosungira, kapena mutha kusinthana ndi CD ina yokhala ndi nthawi yayitali kapena yayifupi.

Kumanga makwerero a CD

Ngati mukufuna kugwiritsa ntchito ma CD ngati gawo lofunikira pamakonzedwe anu, mungaganizire makwerero, njira yodzigwiritsira ntchito CD wamba. Njirayi imaphatikizapo kugula koyamba ma CD angapo okhala ndi mawu osiyanasiyana kuti akhwime pafupipafupi kenako ndikubwezeretsanso ndalamazo m'ma CD a nthawi yayitali pomwe oyambira amakula.

Mwachitsanzo, ngati mukusunga $ 5,000, mutha kuyika $ 1,000 mu CD iliyonse mwa masiku asanu ndi awiri otha ntchito chaka chimodzi. CD ya chaka chimodzi ikatha, mutha kusunthira ndalamazo kukhala CD yatsopano yazaka zisanu, zomwe zitha chaka mutatha CD yanu yazaka zisanu zoyambirira. Chifukwa CD imatha chaka chilichonse, mutha kupitiliza kuchita izi mpaka kalekale kufikira mutafunikira ndalama mchaka.

Makwerero amakuthandizani kupewa kuyika ndalama zanu zonse pa CD yolipira ndalama zochepa, ndipo zimakuthandizani kuti mupewe kulipiritsa msanga komanso kupereka zilango.

Kodi chimachitika ndi chiyani mukatseka CD koyambirira?

Mukasankha zomwe mukufuna ndalama zanu tsiku lisanafike kutha ntchito , mudzalipira imodzi chilango choyambirira . Izi nthawi zambiri zimakhala zofanana ndi miyezi ingapo ya chidwi kutengera kutalika kwa CD.

Ngati muli ndi ndalama zomwe mukufuna kuti mukhale otetezeka kwakanthawi kochepa kuchokera pa miyezi ingapo mpaka zaka zingapo, CD ikhoza kukhala njira yabwino yosungira. Chilango choyambirira chobweza pa CD chimakulimbikitsani kuti musungire ndalama zanu kubanki m'malo mozigwiritsa ntchito.

Chiwongola dzanja cha CD nthawi zambiri chimakwera pamene mawu akuwonjezeka . Mwachitsanzo, ndi ma CD ambiri a miyezi itatu, mudzapeza chiwongola dzanja chochepa poyerekeza ndi ma CD a miyezi 12. Nthawi zodziwika bwino za CD ndi miyezi itatu, isanu ndi umodzi, 12, 24, kapena 60. Samalani kuti musasaine CD yokhwima kwambiri mtsogolo. Simukufuna kuti ndalama zanu zizimangirizidwa pomwe mukuzifuna, makamaka popeza zingakuchititseni kuti muchotse msanga.

Chiwongola dzanja cha ma CD chimakhala chotsikirapo poyerekeza ndi zomwe zimabwereka msika wamsika, koma ma CD ali ndi inshuwaransi mpaka malire a inshuwaransi a FDIC : $ 250,000 pa akaunti ya munthu kapena $ 500,000 pa akaunti yolumikizana. Ichi ndichifukwa chake satifiketi yoyeserera ndi chida chachikulu chosungira ndalama zolipirira nyumba kapena cholinga china chachuma kapena kugula kutali.

Chifukwa chiyani simukufuna kukhala ndi CD?

Ngakhale CD ikhoza kukhala chida chabwino posungira zochitika zambiri, pali zifukwa zambiri zomwe simukufuna kuyika ndalama zanu pa CD. Zimatengera zosowa zanu zachuma komanso msika wina wakunja.

Mwachitsanzo, masiku ano pamakhala chiwongola dzanja, maakaunti ena osungira zokolola zambiri amalipira chiwongola dzanja chachikulu kuposa ma CD. Ngati mungapeze chiwongola dzanja chochuluka popanda nthawi, mungakhale bwino kukhala ndi akaunti yosunga miyambo kuposa CD.

Muyeneranso kuyerekezera chiwongola dzanja cha CD yanu ndi kuchuluka kwama inflation. Otsutsa ena a CD amati mitengo yama inflation imatha kukwera pakapita nthawi kuti ikhale yokwera kuposa chiwongola dzanja cha ma CD. Zikatero, mutha kukhala kuti mukutaya mphamvu zolandila posunga ndalama zanu mutakhoma setifiketi.

Mwinanso chovuta kwambiri pa CD ndi chilango choyambirira chobweza ngati mutachotsa ndalama zanu tsiku lisanafike. Chilango choyambirira chomachotsera ndalama chitha kukhala chodula chachikulu, chifukwa chake musachipeputse!

Njira zina kuposa ma CD

Ngati mumakonda lingaliro lakulandila zochulukirapo kuposa gawo limodzi la magawo zana (monga ndi akaunti yakubanki yosungira njerwa zakale), CD ikhoza kukhala chisankho choyenera. Ngati satifiketi ya dipositi sikumveka kwa inu, nazi njira zina zochepa zosungira pamitengo yabwinobwino osatseka nthawi.

• High ntchito ndalama: Akaunti yosunga zokolola zochuluka kuchokera ku banki yapaintaneti imatha kukupatsani chiwongola dzanja chambiri pomwe ingakupatseni ufulu wopeza ndalama nthawi iliyonse.
• Thumba la ngongole yayifupi: Mabond ndi mtundu wa ngongole kubizinesi kapena kuboma. Zomangirira kwakanthawi kochepa zimapereka zabwino kubweza kuposa maakaunti aku banki popanda chiopsezo chachikulu pamsika wamsika. Koma kumbukirani kuti pali chiwopsezo chilichonse ndi ndalama zilizonse, kuphatikiza ngongole zazifupi.
• Mabungwe Opulumutsa US: Ngati mukufuna kusunga ndalama kwanthawi yayitali, makamaka pazolinga zina monga koleji, ndalama zosungitsa ndi malo otetezera ndalama zanu. Mutha ngakhale kumenya inflation ndi chikole chotetezedwa ndi Treasure.

mapeto

Zikalata Zosungitsa ndalama zitha kukhala njira yabwino yosungira ndalama nthawi zina, koma sizabwino kwa aliyense. Koma ngati muli ndi ndalama zomwe mukufuna kusunga mosamala kwakanthawi, ndipo mukufuna chiwongola dzanja chabwino kuposa akaunti yakubanki yakale, CD ikhoza kukhala yabwino kwa inu.

Zotsatira:

1. US Securities Commission Ma CD ogwira ntchito kwambiri: tetezani ndalama zanu poyang'ana zolemba zabwino . Inatengedwa pa Meyi 23, 2020.
2. Consumer Financial Protection Office. Satifiketi ya gawo (CD) ndi chiyani? Inatengedwa pa Meyi 23, 2020.
3. Banki ya United States. Zikalata Zosungitsa: Momwe Amagwirira Ntchito Kuti Mukulitse Ndalama Zanu . Inatengedwa pa Meyi 23, 2020.
4. Mtengo wa magawo Federal Deposit Insurance Corp. Maakaunti ophatikizana , tsamba 1. Idapezeka pa Meyi 23, 2020.
5. Choyamba Bank Bank. Zikalata Zamadzimadzi . Inatengedwa pa Meyi 23, 2020.
6. Republic Woyamba Kodi ndi CD yanji yomwe ili yoyenera kwa inu? Inatengedwa pa Meyi 23, 2020.
7. Ally Bank. Mitundu yomwe ikukula yazitetezo (CD) . Inatengedwa pa Meyi 23, 2020.
8. Ally Bank. Lonjezerani kuchuluka kwa CD yanu . Inatengedwa pa Meyi 23, 2020.
9. Dziwani za banki. Zinthu 6 zomwe zitha kukopa chiwongola dzanja cha CD . Inatengedwa pa Meyi 23, 2020.

Chodzikanira: Iyi ndi nkhani yodziwitsa.

Redargentina sapereka upangiri walamulo kapena walamulo, komanso sanapangidwe kuti azitengedwa ngati upangiri wazamalamulo.

Wowonera / wogwiritsa ntchito tsambali akuyenera kugwiritsa ntchito zomwe zili pamwambazi pokhapokha ngati chitsogozo, ndipo ayenera kulumikizana ndi omwe ali pamwambapa kapena oimira boma kuti awadziwe zambiri za nthawiyo, asanapange chisankho.

Zamkatimu

• Kodi satifiketi yakusungitsa ndalama (CD) ndi chiyani kwenikweni?
• Momwe mungapangire Satifiketi Yosungitsa (CD)
• Mitundu ya CD
• CD yamadzimadzi kapena chilango chilichonse
• Zowonjezera CD
• Ma CD okonda kwambiri
• Ma CD okonzedwa
• Ma CD Akuluakulu
• Madeti otha ntchito
• Kumanga makwerero a CD
• Kodi chimachitika ndi chiyani mukatseka CD koyambirira?
• Chifukwa chiyani simukufuna kukhala ndi CD?
• Njira zina kuposa ma CD
• mapeto

• ESPAVEN Enzymatic - Ndi chiyani? Mlingo, Ntchito ndi ...
• Ziwalo 70 za thupi mu Chingerezi muyenera kudziwa
• 25 mavesi olimbikitsa okhudza ...
• Kodi Ethologist ndi chiyani? Malipiro ndi ntchito
• Compound Tribedoce - Ndi chiyani, Mlingo, Ntchito ndi ...
• Kodi chimachitika ndi chiani ndikamangidwa ndikasowa njira yolipira?