Yintoni isiqinisekiso sedipozithi (CD)?

Ukuba unayo ukonga lonto awudingi okwethutyana , a isatifikethi sedipozithi inokuba ilungile. I-CD ihlala ikunika ifayile ye- inzala ephezulu kwiingxowa-mali zakho a iakhawunti yokonga eqhelekileyo , kodwa ukuba ufuna imali yakho ngaphambi kwexesha, uya kuhlawula isohlwayo .

Yintoni kanye kanye isiqinisekiso sedipozithi (CD)?

Isatifikethi sedipozithi, esidla ngokubizwa ngokuba yiCD , yiakhawunti yokonga ekhethekileyo onokuyivula kuninzi lweefayile ze- iibhanki kunye neemanyano zabathengi . Kodwa ngokungafaniyo neakhawunti ukonga rhoqo , IiCD zifuna ukuba ubambe iimali zakho kangangexesha ixesha elithile ukuya kwenye umhla wokuphila . Ukubuya, uya kufumana i- inzala ephezulu .

Eli nqaku liyingqayizivele lenza iiCD zigqibelele njengenjongo yokonga ixesha elide. Ngokubanzi, unokufumana amaxabiso enzala angcono kunemali ekhutshwayo yeakhawunti ngaphandle komngcipheko wokutyala imali kwimarike yemasheya.

Uyenza njani iSatifikethi sedipozithi (CD)

Nxibelelana nebhanki yakho okanye umbutho wekhredithi ukuba ukhetha ukuvula iCD kwiziko lakho lemali lendawo. Uninzi lweebhanki luya kuchaza ukhetho lwakho kwaye likuvumele ukuba wenze utyalomali lwe-CD kwi-intanethi. Ungatsalela umnxeba inkonzo yabathengi okanye uthethe nomntu ogcina imali ebhankini.

Chaza ukuba ungathanda ukutyala imali engakanani kwaye ubuze malunga nezohlwayo zokurhoxa kwangoko kunye nezinye iimveliso zeCD. Ibhanki inokhetho olongezelelekileyo lwe-CD olulungele wena. Banokubonelela ngamazinga aphezulu, ubhetyebhetye ngakumbi, okanye ezinye izinto.

Uya kubona iakhawunti eyahlukileyo kwizitetimenti zakho okanye kwideshibhodi ekwi-Intanethi emva kokuhambisa imali yakho kwiCD.

IiCD zinokugcinwa phantse kulo naluphi na uhlobo lweakhawunti, kubandakanya iakhawunti yomhlala phantsi (ii-IRAs), iiakhawunti ezidibeneyo, iitrasti kunye neeakhawunti zomgcini.

Qiniseka ukuba unamathela kwiiCD eziqinisekiswe yi-Federal Deposit Insurance Corp. okanye uLawulo lweManyano yeLizwe yeTyala. Musa ukoyika ukubuza ibhanki yakho ngenqanaba elingcono, ngakumbi ukuba wenza ishishini elibalulekileyo kwibhanki okanye kwimanyano yabathengi.

Iindidi zeCD

I-CD yotywala okanye akukho sohlwayo

IiCD ezingamanzi zikuvumela ukuba urhoxise imali yakho kwangethuba ngaphandle kokuhlawula isohlwayo. ⁵Olu bhetyebhetye likuvumela ukuba uhambise imali yakho kwi-CD ehlawula ngaphezulu ukuba ithuba livela, kodwa liza ngexabiso.

IiCD zotywala zingahlawula inzala ephantsi kunaleyo utshixelwe kuyo. ⁶Iyavakala le nto ukuba uyijonga ngokwembono yebhanki. Bathatha umngcipheko wokunyuka kwenzala. Okwangoku, ukufumana umvuzo okwethutyana kunokuba yinto efanelekileyo ukuba ungatshintshela kwinqanaba eliphezulu kamva, kwaye ukuba uqinisekile ukuba amaxabiso azonyuka kungekudala.

Qinisekisa ukuba uyaqonda naziphi na izithintelo ukuba ucinga ngokutyala imali kwi-CD engamanzi. Ngamanye amaxesha unqunyelwe xa ungarhola imali kwaye ungathatha ixesha elingakanani ngalo naliphi na ixesha. Kuya kufuneka ukuba utyale imali enkulu ngaphambili kunezinye iintlobo zeCD.

I-CD yolongezo

IiCD ezifumanekayo zibonelela ngezibonelelo ezifanayo kwiiCD ezingamanzi . Awubambeki kwisivuno esibi ukuba amaxabiso enzala ayenyuka emva kokuba uyithengile. Ungayigcina iakhawunti yakho yeCD esele ikhoyo kwaye utshintshele kwinqanaba elitsha eliphezulu elibonelelwa yibhanki yakho.^{7 7}

Kuya kufuneka uyazise kwibhanki yakho kwangaphambili ukuba ufuna ukusebenzisa ukhetho lwakho lokunyusa. Ibhanki ithatha ukuba ibambelela kwinqanaba elikhoyo ukuba ayenzi kwanto. Kwakhona, awufumani uhlaziyo olungenamda.⁸

Njengama-CD angamanzi, ii-CD eziqokelelweyo zihlala ziqala ukuhlawula inzala ephantsi kuneeCD eziqhelekileyo.⁹Unokufumana ukuba amaxabiso aya phezulu ngokwaneleyo, kodwa ukuba amaxabiso ahlala emile okanye awe, ubungangcono ngeCD esemgangathweni.

IiCD ezinzulu

Oku kuza nokwenyuka kwenzala okucwangcisiweyo rhoqo ukuze ungaxhomekeki kwizinga ebelisebenza ngexesha uthenga i-CD yakho. Ukunyuka kunokuza rhoqo kwiinyanga ezintandathu ukuya kwezixhenxe.^{10 Shumi elinanye}

IiCD ezilungisiweyo

IiCD ezithengisiweyo zithengiswa kwiiakhawunti zabarhwebi. Ungathenga iiCD ezithengisiweyo kubanikezeli abaninzi kwaye uzigcine endaweni enye endaweni yokuvula iakhawunti yebhanki kwaye usebenzise iiCD ozikhethileyo.¹²Oku kukunika ukhetho, kodwa ii-CD ezithengisiweyo zineengozi ezongezelelweyo.

Qiniseka ukuba nawuphi na umnikeli omqwalaselayo yi-inshurensi ye-FDIC. Akumangalisi ukuba iiCD ezingakhuselwanga zihlawula ngaphezulu. Ukuphuma kwi-CD ethengisiweyo kwangoko kunokuba ngumceli mngeni.¹

IiCD ezinkulu

Njengoko igama lisitsho, iiJumbo CDs zineemfuno eziphezulu kakhulu zokulinganisela, zihlala ngaphezulu kweedola ezili-100,000. Yindawo ekhuselekileyo yokupaka isixa esikhulu semali kuba ukuya kuthi ga kwi-250,000 ye-FDIC i-inshurensi kwaye uyakufumana inzala ephezulu kakhulu.¹³

Imihla yokuphelelwa

IiCD zivuthwa ekupheleni kwemiqathango yazo, kwaye kuya kufuneka uthathe isigqibo malunga nento oza kuyenza ngokulandelayo. Ibhanki yakho iya kukwazisa xa lo mhla usondela, kwaye ikunike izinto onokukhetha kuzo. Ukuba awenzi nto kwaye iCD yakho ibisenziwa ngokutsha ngokuzenzekelayo, imali yakho iza kudluliselwa kwenye iCD. Ukuba ubukwi-CD yeenyanga ezintandathu, ibisiya ezantsi kwenye iinyanga ezintandathu ze-CD. Umyinge wenzala unokuba phezulu okanye ube sezantsi kunenqanaba obukade ulizuza ngaphambili.

Yazisa ibhanki yakho ngaphambi komhla wokugqibela wokuhlaziya ukuba ufuna ukwenza ngaphezulu kokudlulisela imali yakho kwiCD entsha. Ungadlulisela imali kwiakhawunti yakho yokujonga okanye yokonga, okanye ungatshintshela kwiCD eyahlukileyo enexesha elide okanye elifutshane.

Ukwakha ileli yeCD

Ukuba unomdla wokusebenzisa iiCD njengenxalenye ephambili yesicwangciso sakho sokonga, unokucinga ngeleli, isicwangciso esiqhelekileyo sokutyala imali kwiCD. Inkqubo ibandakanya ukuqala kokuthenga ii-CD ezininzi ezinamagama ahlukeneyo ukuvuthwa rhoqo kwaye uphinde uphinde uyibuyise imali kwii-CD zexesha elide njengoko ii-inishiyali zikhula.

Umzekelo, ukuba ugcina i-5, 000 yeedola, ungabeka i-1, 000 yeeDVD kwii-CD nganye ezintlanu ngeentsuku zokuphelelwa ngumsebenzi unyaka omnye ngokwahlukeneyo. Xa i-CD yonyaka omnye iphela, ungayisa le mali kwi-CD entsha yeminyaka emihlanu, eya kuthi iphele kunyaka emva kwe-CD yakho yeminyaka emihlanu yokuqala. Ngenxa yokuba iCD iyakuphela minyaka le, ungaqhubeka nale nkqubo ngokungapheliyo kude kube yimali oyifunayo kunyaka olandelayo.

Iileli zikunceda ukuba uphephe ukubeka yonke imali yakho kwi-CD ehlawula kancinci, kwaye ziyakunceda uphephe ukutshaja kwangethuba kunye nokuhlawula izohlwayo.

Kwenzeka ntoni xa uvale iCD kwangethuba?

Ukuba uthatha isigqibo ngento oyifunayo iimali zakho phambi komhla we ukuphelelwa , uya kuhlawula enye isohlwayo sokurhoxa kwangoko . Oku kuhlala kulingana nenani leenyanga ezithile zomdla ngokusekwe kubude be-CD.

Ukuba unayo imali ofuna ukuyigcina ikhuselekile ixesha elisusela kwiinyanga ezimbalwa ukuya kwiminyaka eliqela, iCD ingaba yindlela elungileyo yokonga. Isohlwayo sokurhoxa kwangoko kwi-CD sikukhuthaza ukuba ugcine imali yakho ebhankini endaweni yokuyisebenzisa.

Iirhafu zenzala kwiiCD zikhula ngokubanzi njengoko ixesha landa . Umzekelo, uninzi lwee-CD zeenyanga ezintathu, uya kufumana inzala ephantsi ngokuthelekisa kunee-CD zeenyanga ezili-12. Amaxesha aqhelekileyo eeCD ziinyanga ezintathu, ezintandathu, 12, 24, okanye ezingama-60. Lumka ungatyikityi iCD ngokuqola kude kakhulu kwixesha elizayo. Awufuni ukuba imali yakho ibotshelelwe xa uyidinga, ngakumbi kuba iya kukubiza ukuba uyikhuphe kwangoko.

Iirhafu zenzala kwiiCD zihlala ziphantsi kuneembuyekezo kutyalo-mali kwimarike yemasheya, kodwa iiCD zikhuselwe ukuya kuthi ga kumda weinshurensi FDIC : $ 250,000 kwiakhawunti nganye okanye i-500,000 yeedola kwiakhawunti edibeneyo. Yiyo loo nto isatifikethi sedipozithi sisixhobo esihle sokugcina intlawulo esezantsi yekhaya okanye enye injongo yezemali okanye ukuthenga kude.

Kutheni ungafuni ukuba neCD?

Nangona iCD inokuba sisixhobo esilungileyo sokonga kwiimeko ezininzi, zininzi izizathu zokuba kutheni ungafuni ukubeka imali yakho kwiCD. Kuxhomekeka kwiimfuno zakho zemali kunye neemeko zentengiso zangaphandle.

Umzekelo, kumgangatho wenzala wanamhlanje, ezinye iiakhawunti zokonga imveliso enesivuno esikhulu zihlawula inzala ephezulu kuneeCD. Ukuba ungazuza inzala engaphezulu ngaphandle kwexesha, ungangcono ngeakhawunti yokonga yemveli kunaleyo uneCD.

Kuya kufuneka uthelekise inqanaba lenzala kwiCD yakho kunye nexabiso lokunyuka kwamaxabiso okwangoku. Abanye abagxeki beCD bathi amaxabiso okunyuka kwamaxabiso anokunyuka ngokuhamba kwexesha abe phezulu kunamazinga enzala kwiiCD. Kwimeko apho, unokuphulukana namandla okufumana imali ngokugcina imali yakho itshixiwe kwisatifikethi sedipozithi.

Mhlawumbi eyona nto iphambili kwi-CD sisigwebo sokurhoxa kwangoko xa urhola imali yakho ngaphambi komhla omiselweyo. Isohlwayo sokurhoxa kwangoko kunokuba lixabiso elikhulu, ke sukuyithatha kancinci!

Eminye indlela eya kwiiCD

Ukuba uyayithanda imbono yokufumana ngaphezulu kweqhezu lepesenti (njengeakhawunti yokonga ibhanki yezitena ezindala), iCD inokuba lukhetho olufanelekileyo. Ukuba isatifikethi sedipozithi asivakali kuwe, nazi ezinye iindlela ezimbalwa zokonga ngexabiso elingcono ngaphandle kokuvimba ixesha.

• Ukonga ukusebenza okuphezulu: Iakhawunti yokonga imali eninzi evela kwibhanki ekwi-intanethi inokubonelela ngenzala enomdla ngelixa ikunika inkululeko yokurhola imali nangaliphi na ixesha.
• Ingxowa-mali yebhondi yexesha elifutshane: Iibhondi luhlobo lwemali mboleko kwishishini okanye kurhulumente. Iibhondi zexesha elifutshane ngokubanzi zibonelela ngembuyekezo engcono kuneeakhawunti zebhanki ngaphandle komngcipheko omkhulu wentengiso yesitokhwe. Kodwa gcinani engqondweni ukuba kukho umngcipheko kulo naluphi na utyalomali, kubandakanya neebhondi zexesha elifutshane.
• Iibhondi zokonga zase-US: Ukuba ufuna ukugcina imali ixesha elide, ngakumbi ukulungiselela injongo ethile njengekholeji, iibhondi zokonga yindawo ekhuselekileyo yokugcina imali yakho. Unokubetha nokunyuka kwamaxabiso ngebhondi yokhuseleko lwe-Treasury ekhuselweyo.

isiphelo

Izatifikethi zeDiphozithi zingayindlela elungileyo yokugcina imali kwezinye iimeko, kodwa azilunganga kuye wonke umntu. Kodwa ukuba unayo imali ofuna ukuyigcina ngokukhuselekileyo kangangexesha elimiselweyo, kwaye ufuna inzala engcono kunaleyo i-akhawunti yebhanki yakudala, iCD ingakulungela.

Imithombo:

1. Ikhomishini yoKhuseleko yase-US IiCD ezisebenza ngokukuko: khusela imali yakho ngokujonga ukuprinta okuhle . Ifunyenwe ngoMeyi 23, 2020.
2. IOfisi yoKhuseleko lwezeMali zabaThengi. Yintoni isiqinisekiso sedipozithi (CD)? Ifunyenwe ngoMeyi 23, 2020.
3. Ibhanki yaseMelika. Izatifikethi zeDiphozithi: Zisebenza njani ekukhuliseni imali yakho . Ifunyenwe ngoMeyi 23, 2020.
4. Inkampani i-Federal Deposit Insurance Corp. Iiakhawunti ezidibeneyo , iphepha 1. Ifikeleleke ngoMeyi 23, 2020.
5. IBhanki yeRiphabhlikhi yokuqala. Izatifikethi zoTywala zeDiphozithi . Ifunyenwe ngoMeyi 23, 2020.
6. IRiphabhlikhi yokuqala Luhlobo luni lweCD olulungele wena? Ifunyenwe ngoMeyi 23, 2020.
7. IAlly Bank. Iindidi ezikhulayo zezatifikethi zedipozithi (iiCD) . Ifunyenwe ngoMeyi 23, 2020.
8. IAlly Bank. Yandisa izinga lakho leCD . Ifunyenwe ngoMeyi 23, 2020.
9. Fumanisa ibhanki. Izinto ezi-6 ezinokuchaphazela inzala ye-CD . Ifunyenwe ngoMeyi 23, 2020.

Iphepha elichazayo ukuba awusenanto oyifunayo: Eli linqaku elinolwazi.

I-Redargentina ayiniki ngcebiso zomthetho okanye zomthetho, kwaye ayenzelwanga ukuba ithathwe njengengcebiso yezomthetho.

Umbukeli / umsebenzisi weli phepha lewebhu kufuneka asebenzise olu lwazi lungentla kuphela njengesikhokelo, kwaye kufuneka asoloko eqhakamshelana nemithombo engentla okanye abameli bakarhulumente bomsebenzisi kolona lwazi luhlaziyiweyo ngelo xesha, ngaphambi kokwenza isigqibo.

Iziqulatho

• Yintoni kanye kanye isiqinisekiso sedipozithi (CD)?
• Uyenza njani iSatifikethi sedipozithi (CD)
• Iindidi zeCD
• I-CD yotywala okanye akukho sohlwayo
• I-CD yolongezo
• IiCD ezinzulu
• IiCD ezilungisiweyo
• IiCD ezinkulu
• Imihla yokuphelelwa
• Ukwakha ileli yeCD
• Kwenzeka ntoni xa uvale iCD kwangethuba?
• Kutheni ungafuni ukuba neCD?
• Eminye indlela eya kwiiCD
• isiphelo

• I-ESPAVEN Enzymatic -Yenzelwe ntoni? Isisombululo, ukusetyenziswa kunye ...
• Amalungu angama-70 omzimba ngesiNgesi kuya kufuneka uyazi
• Iivesi zeBhayibhile ezikhuthazayo malunga ...
• Yintoni iEthologist? Imivuzo kunye nemisebenzi
• Compound Tribedoce -Yintoni le yenzelwa yona, idosi, ukusetyenziswa kunye ...
• Kwenzeka ntoni ukuba ndimangalelwa kwaye ndingenandlela yokubhatala?