What 储蓄的替代品 Are Available?
As an investor, you know it’s important to have a portion of your holdings in savings. 意见不一, but most financial professionals agree that adequate savings should form the basis of any sound 投资 strategy. There are a number of savings alternatives that could help you accumulate adequate savings and earn a reasonable rate of return.
存单
Certificates of deposit are really just short-term loans to a bank, 信用合作社, 或者储蓄和贷款. They offer a moderate rate of return and relative safety because they are insured by the FDIC for up to $250,每位存款人000美元, 每个联邦保险机构, 利息和本金.
资产管理账户
These accounts are much like checking accounts, except that they may be held by a brokerage instead of a bank. You can use your money to trade stocks and bonds and buy money market funds. Many brokerages will automatically sweep your earnings into a money market account.
e系列储蓄债券
For many years, when bonds were mentioned, people thought of U.S. 储蓄债券. Series EE 储蓄债券 are only available electronically in denominations from $50 to $5,000. Tax on the interest is deferred until maturity and may be eliminated if the proceeds are used to pay for a college education.
一、储蓄债券
These bonds are designed to offer protection from inflation. By linking the return of the bonds to an inflation index, the bonds are always guaranteed to earn a fixed rate above the inflation rate. They are a sort of hybrid between Treasury Inflation-Protected Securities (TIPS), which are issued as marketable securities, 和EE键. Paper I bonds are available in $50, $100, $200, $500, and $1,000 denominations. Paper I bonds are only available using your tax refund. Electronic I bonds can be purchased with a $25 minimum or any amount above that to the penny up to the maximum allowed per year. 你最多可以购买10美元,000美元的电子债券或5美元,000 in paper I bonds per Social Security number per year. You can cash in (redeem) your I bond after 12 months. However, if you cash in the bond in less than 5 years, you lose the last 3 months of interest. For example, if you cash in the bond after 18 months, you get the first 15 months of interest.
货币市场基金
In a money market fund, your 投资 is pooled with that of other investors. The resulting fund is invested in a diverse portfolio of short-term debt securities. Money market funds offer a high level of safety and moderate income.
Money market funds are neither insured nor guaranteed by the Federal Deposit Insurance Corporation or any other government agency. Although money market funds seek to preserve the value of your 投资 at $1.00 per share, it is possible to lose money by investing in money market funds.
Mutual funds are sold by prospectus. Please consider the 投资 objectives, risks, charges, and expenses carefully before investing. 招股说明书, which contains this and other information about the 投资 company, can be obtained from your financial professional. Be sure to read the prospectus carefully before deciding whether to invest.
有息支票帐户
These accounts combine the interest-earning capability of a savings account with the check-writing convenience of a checking account. They are offered through many banks, savings and loans, and 信用合作社s. Some charge a fee if you fail to maintain a minimum balance.
国库券
Treasury bills are literally short-term loans to the federal government. They are sold at a discount from their face value in maturities of three months, 六个月, 一年之后. The interest on Treasury bills is exempt from state and local income taxes. Treasury bills are backed by the full faith and credit of the U.S. government as to the timely payment of principal and interest. The principal value will fluctuate with changes in market conditions; if not held to maturity, T-bills may be worth more or less than their original cost.
The information in this newsletter is not intended as tax, 法律, 投资, or retirement advice or recommendations, and it may not be relied on for the purpose of avoiding any federal tax penalties. You are encouraged to seek guidance from an independent tax or 法律 professional. The content is derived from sources believed to be accurate. Neither the information presented nor any opinion expressed constitutes a solicitation for the purchase or sale of any security. This material was written and prepared by Broadridge Advisor Solutions. © 2024 Broadridge Financial Solutions, Inc.