Chii chinonzi gwaro rekuisa (CD)?

Kana iwe uine kuchengetedza izvo haudi kwenguva , a chitupa chekuisa zvinogona kunge zvakanaka. CD inowanzokupa yakakwira chimbadzo pane yako mari iyo a yakajairika account yekuchengetedza , asi kana uchida mari yako nguva isati yakwana, achabhadhara chirango .

Chii chaizvo chiri chitupa chekuisa (CD)?

Chitupa chekuisa, chinowanzonzi CD , yakakosha yekuchengetedza account iyo iwe yaunogona kuvhura mune mazhinji eiyo mabhangi uye zvikwereti zvevashandi . Asi zvakasiyana neakaunzi ye kuchengetedza nguva dzose , MaCD anoda kuti ubate mari yako kwenguva nguva yakatarwa kusvika kune imwe zuva racho . Mukudzoka, iwe unowana iyo yakakwira chimbadzo .

Ichi chinhu chakasarudzika chinoita kuti maCD ave akakwana sechinangwa chenguva refu. Kazhinji, iwe unogona kuwana zvirinani zvemitero kupfuura iyo account yekuchengetedza inopa pasina njodzi yekudyara mumusika wemasheya.

Nzira yekugadzira Chitupa cheDepositi (CD)

Bata rako bhangi kana kiredhiti mubatanidzwa kana ukasarudza kuvhura CD nenharaunda yemari yako. Mazhinji mabhangi anotsanangura zvaunogona kuita uye anotendera iwe kuti uite maCD ekudyara pamhepo. Iwe unogona zvakare kufonera vatengi sevhisi kana kutaura nemubhengi uri munhu.

Tsanangura kuti yaunoda kuisa marii uye kubvunza nezvezvirango zvekutanga zvekubvisa uye zvimwe zvigadzirwa zveCD. Bhengi rinogona kunge riine mamwe maCD sarudzo akakodzera iwe. Vanogona kupa yakakwira mareti, kuwedzera kuchinjika, kana zvimwe zvinhu.

Iwe uchaona yakaparadzana account pane zvirevo zvako kana online dashboard mushure mekutamisa mari yako kuCD.

MaCD anokwanisa kubatwa munenge chero rudzi rwebhuku, kusanganisira maakaunzi ega ega emudyandigere (IRAs), maakaundi akabatanidzwa, matrust uye maaccountian ekuchengetedza.

Ingova nechokwadi chekunamatira nemaCD akachengetedzwa neFederal Deposit Insurance Corp. kana iyo National Credit Union Administration. Usatya kubvunza mubhangi wako kuti awane mwero uri nani, kunyanya kana iwe ukaita rakakosha bhizimusi iro bhangi kana chikwereti mubatanidzwa.

CD mhando

Liquid CD kana pasina chirango

MaCD emvura anotendera kuti ubvise mari yako pachine nguva usati wabhadhara chirango. ⁵Iyi shanduko inokutendera iwe kuendesa mari yako kuCD inobhadhara zvakanyanya kana mukana ukamuka, asi unouya nemutengo.

Liquid CDs inogona kubhadhara yakaderera chimbadzo mitengo kupfuura maCD awakavharirwa mairi. ⁶Izvi zvine musoro kana ukazvitarisa kubva pakuona kwebhangi. Ivo vanotora njodzi yekuwedzera chimbadzo. Zvakadaro, kuwana zvishoma kwenguva pfupi kunogona kuve kwakakodzera kana iwe uchikwanisa kuchinjira kune yakakwira mwero gare gare, uye kana iwe uine chivimbo chekuti mitengo ichawedzera munguva pfupi.

Ita shuwa kuti iwe unonzwisisa chero zvipingamupinyi kana iwe uri kufunga kuisa mari mune yakasviba CD. Dzimwe nguva unoganhurirwa kune kana iwe uchigona kutora mari uye kuti ingatora nguva yakareba sei pane chero yakapihwa nguva. Iwe unogona zvakare kuda kuisa mari hombe kumusoro kumberi pane nemamwe marudzi emaCD.

Kuwedzera CD

MaCD akaunganidzwa anopa rubatsiro rwakadaro kumaCD emvura . Iwe hausabatike negoho rakashata kana chimbadzo chikwira mushure mekunge watenga imwe. Iwe unogona kuchengeta yako iripo CD account uye chinja kune iyo itsva yepamusoro mwero inopihwa nebhangi rako.^{7 7}

Ungangoda kuzivisa bhangi rako pamberi kuti iwe unoda kushandisa yako yekuwedzera sarudzo. Bhengi inofungidzira kuti iri kunamatira kune iripo mwero kana isina chainoita. Zvakare, iwe haugone kuwana risingaperi kukwidziridzwa.⁸

Kunge maCD emvura, akaunganidzwa maCD anowanzotanga kubhadhara chimbadzo chemitero yakaderera pane akajairwa maCD.⁹Unogona kuwana kana mitengo ikakwira zvakaringana, asi kana mitengo ikaramba yakamira kana kudonha, ungadai uri nani neCD yakajairwa.

MaCD anonyanyisa

Izvi zvinouya pamwe nekugara kwakarongwa mhindu yemari yekuwedzera kuitira kuti iwe usazviisa pasi peiyo chiyero chaive chiripo panguva yawakatenga CD rako. Iyo inomutsa inogona kuuya yega yega mitanhatu kusvika kumwedzi minomwe.^{10 gumi neimwe}

MaCD akagadziriswa

MaCD anotengesa anotengeswa kumaakaundi ekubhadhara mari. Unogona kutenga maCD anotengeswa kubva kune vakawanda vanopa uye uachengete munzvimbo imwe chete pane kuvhura account yekubhangi uye kushandisa sarudzo dzako maCD.¹²Izvi zvinokupa imwe sarudzo, asi maCD akapatsanurwa ane dzimwe njodzi.

Ita shuwa kuti chero mupi wauri kufunga ari FDIC inishuwarenzi. Hazvishamisi kuti maCD asina kuvimbiswa anobhadhara zvakanyanya. Kubuda CD yakatengeswa pakutanga kunogona zvakare kunetsa.¹

MaGiant maCD

Sezvinoreva zita iri, majumbo maCD ane akakwirisa zvakanyanya bhajosi zvinodiwa, kazhinji zvinopfuura madhora zviuru zana. Ino inzvimbo yakachengeteka yekupaka mari hombe nekuti inosvika kumadhora mazana maviri nemazana mashanu ndeye FDIC inishuwarenzi uye iwe unowana chikwereti chakakwira zvakanyanya.¹³

Mazuva ekupera

MaCD anokura pakupera kwetemu yavo, uye uchafanirwa kusarudza zvekuita zvinotevera. Bhengi rako rinokuzivisa iwe kana zuva iri rava kusvika, uye ndokupa iwe dzimwe sarudzo. Kana iwe usina chawakaita uye CD rako raive pasi pechigadziriswa otomatiki, mari yako inozotamisirwa kune imwe CD. Dai iwe wanga uri pane CD yemwedzi mitanhatu, yaizoenda pasi kune imwe mwedzi mitanhatu CD. Mari yekufarira inogona kunge iri yepamusoro kana yakaderera pane iyo yawakawana kare.

Ziva bhangi rako pasati paine nguva yekuvandudza kana iwe uchida kuita zvinopfuura kungoendesa mari yako kuCD nyowani. Unogona kuendesa mari kune yako yekutarisa kana yekuchengetedza account, kana iwe unogona kuchinjira kune rakasiyana CD riine yakareba kana ipfupi izwi.

Kuvaka CD manera

Kana iwe uchida kushandisa maCD sechikamu chakakosha chehurongwa hwako hwekuchengetedza, unogona kufunga manera, yakajairwa CD yekudyara zano. Maitiro acho anotanga kutanga kutenga maCD akawanda aine mazwi akasiyana kuti akure nguva nenguva uyezve kudzoreredza mari mumaCD marefu-kwenguva sekutanga kwekutanga.

Semuenzaniso, kana iwe uri kuchengetedza $ 5,000, unogona kuisa $ 1 000 mune yega yega maCD mashanu ane mazuva ekupera gore rimwe chete. Kana iyo-gore-gore CD yapera, iwe waizoendesa iyo mari kune iyo nyowani yemakore mashanu CD, iyo yaizopera gore rinotevera rako rekutanga-makore mashanu CD. Nekuti CD raizopera gore rega rega, unogona kuenderera izvi nekusingaperi kusvikira iwe uchida mari mugore rakapihwa.

Manera anokubatsira kuti usaise mari yako yese paCD inobhadhara zvakaderera, uye vanokubatsira kuti urege kubhadharisa nekukurumidza uye kubhadhara zvirango.

Chii chinoitika kana ukavhara CD kare?

Ukasarudza zvaunoda yako mari zuva risati rasvika kupera , iwe uchabhadhara imwe chirango chekutanga kubvisa . Izvi zvinowanzoenzana nenhamba yakati yemwedzi yekufarira zvichibva pakureba kweCD.

Kana iwe uine mari yaunoda kuti ugare wakachengeteka kwenguva kubva pamwedzi mishoma kusvika kumakore akati wandei, CD inogona kunge iri nzira yakanaka yekuchengetedza. Chirango chekutanga kubvisa paCD chinokukurudzira kuti uchengete mari yako mubhangi pane kuishandisa.

Nharaunda dzekufarira maCD dzinowanzomuka sezvo izwi richiwedzera . Semuenzaniso, nemazhinji maCD emwedzi mitatu, iwe unowana imwe yakatarwa yakaderera chimbadzo kupfuura ma12-mwedzi maCD. Nguva dzakajairika dzeCD ndidzo mwedzi mitatu, mitanhatu, 12, 24, kana makumi matanhatu. Ive nekuchengera kusaina CD nekukura zvakanyanya kure kumberi. Iwe haudi kuti mari yako isungwe paunenge uchichida, kunyanya sezvo zvichizokubhadharira iwe kuti uibvise kare.

Mari dzekufarira pamaCD kazhinji dzakaderera pane kudzoka kwekudyara mumusika wemasheya, asi maCD ari inshuwarisi kusvika pamuganhu weinishuwarenzi FDIC : $ 250,000 yeakaundi account kana $ 500,000 yeakaundi account. Ichi chikonzero nei gwaro redhipoziti chishandiso chikuru chekuchengetedza muripo wepasi weimwe imba kana chimwe chinangwa chemari kana kutenga kure.

Sei usingade kuve neCD?

Kunyangwe CD ichigona kuve chishandiso chakanaka chekuchengetedza zviitiko zvakawanda, pane zvikonzero zvakawanda nei ungasade kuisa mari yako paCD. Zvinoenderana nezvinodiwa nemari yako uye nemamiriro ekunze emusika.

Semuenzaniso, munzvimbo yanhasi yemutero nharaunda, mamwe maakaundi ane goho repamusoro-kubhadhara anobhadhara chimbadzo chakakwira kupfuura maCD. Kana iwe uchigona kuwana yakawanda mubereko pasina nguva, iwe unogona kuve zvirinani uine yakawanda tsika yechinyakare account pane neCD.

Iwe unofanirwa zvakare kuenzanisa chimbadzo chemubhadharo paCD rako neyezvino inflation rate. Vamwe vatsoropodzi veCD vanotaura kuti inflation mitengo inogona kukwira nekufamba kwenguva kuve yakakwira kupfuura chimbadzo kumaCD. Pakadaro, unogona kunge uchirasikirwa nemari yekuwana nekuchengeta yako mari yakavharirwa mune chitupa chekuisa.

Pamwe chakanyanya kuderera kune CD ndeye yekutanga kubvisa chirango chakabhadharwa kana iwe ukabvisa mari yako pasati zuva rakatarwa. Chirango chekutanga chekudzora chinogona kunge chiri mutengo wakakura, saka usazvitorerwe!

Dzimwe nzira kumaCD

Kana iwe uchida pfungwa yekuwana mari inopfuura chidimbu chezana (senge neakare-chikoro chidhina chekuchengetedza bhengi account), CD inogona kunge iri sarudzo chaiyo. Kana gwaro redhipoiti risinganzwisisike kwauri, heano mamwe maitiro mashoma ekuchengetedza pamitengo iri nani pasina kuvhara nguva.

• Yakakwira kuita kusevha: Iyo yakakwira-goho akachengetedza account kubva kubhengi repamhepo inogona kukupa inokwezva chiwero chemari uku ichikupa iwe rusununguko rwekutora mari chero nguva.
• Ipfupi-yenguva bond bond: Mabond imhando yechikwereti kune bhizinesi kana hurumende. Pfupi-yenguva zvisungo kazhinji zvinopa zvirinani kudzoka pane maakaundi emabhangi pasina njodzi huru yemusika wemari. Asi ramba uchifunga kuti kune imwe njodzi nekudyara chero kupi, kusanganisira kwenguva pfupi zvisungo.
• US Kuchengetedza Mabond. Kana iwe uchida kuchengetedza mari kwenguva yakareba, kunyanya kune chakanangana chinangwa senge koreji, mabhendi ekuchengetedza inzvimbo yakachengeteka yekuchengeta yako mari. Iwe unogona kunyange kurova inflation ne inflation-yakachengetedzwa Treasure security bond.

mhedziso

Zvitifiketi zveDepositi inogona kuve nzira huru yekuchengetedza mari mune mamwe mamiriro, asi hazvina kukodzera munhu wese. Asi kana iwe uine mari yaunoda kuchengeta zvakachengeteka kwenguva yakatarwa uye iwe uchida mari iri nani yemubereko pane akajairika akaundi account, CD inogona kunge yakakwana kwauri.

Zvinyorwa:

1. US Dziviriro Commission MaCD epamusoro-soro: chengetedza mari yako nekutarisa yakadhindwa . Yakadzorerwa May 23, 2020.
2. Consumer Yemari Kudzivirirwa Hofisi. Chii chinonzi gwaro rekuisa (CD)? Yakadzorerwa May 23, 2020.
3. Bhangi reUnited States. Zvitupa zveDhipatimendi: Mashandiro aVanoita Kukura Mari Yako . Yakadzorerwa May 23, 2020.
4. Inishuwarenzi Maakaundi akabatana , peji 1. Yakasvika May 23, 2020.
5. Kutanga Republic Bank. Liquid Zvitupa zveDhipatimendi . Yakadzorerwa May 23, 2020.
6. Kutanga Republic Ndeupi mhando yeCD yakakunakira? Yakadzorerwa May 23, 2020.
7. Ally Bank. Mhando dziri kukura dzemitifiketi yedhipositi (maCD) . Yakadzorerwa May 23, 2020.
8. Ally Bank. Wedzera CD yako chiyero . Yakadzorerwa May 23, 2020.
9. Tsvaga iyo bhangi. 6 zvinhu zvinogona kukanganisa CD chimbadzo . Yakadzorerwa May 23, 2020.

Disiki: Ichi chinyorwa chine ruzivo.

Redargentina haipe wezano repamutemo kana repamutemo, uye haina kuitirwa kutorwa sezano repamutemo.

Muoni / mushandisi weiri peji rewebhu anofanirwa kushandisa ruzivo rwuri pamusoro chete segwara, uye anofanira kugara achibata masosi ari pamusoro kana vamiriri vehurumende yemushandisi neruzivo rwepamusoro-soro panguva iyoyo, vasati vaita sarudzo.

Zviri Mukati

• Chii chaizvo chiri chitupa chekuisa (CD)?
• Nzira yekugadzira Chitupa cheDepositi (CD)
• CD mhando
• Liquid CD kana pasina chirango
• Kuwedzera CD
• MaCD anonyanyisa
• MaCD akagadziriswa
• MaGiant maCD
• Mazuva ekupera
• Kuvaka CD manera
• Chii chinoitika kana ukavhara CD kare?
• Sei usingade kuve neCD?
• Dzimwe nzira kumaCD
• mhedziso

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