Te Kōwhiri i waenga i ngā Penapena me ngā Penapena Wā: He Aratohu Whānui
He mea nui te haumarutanga pūtea o te ao e hiahia ana kia āta whakamaheretia, kia whai whakaaro hoki ki te whakatau. E rua ngā kōwhiringa noa mō te tiaki me te whakatipu i tō moni ko ngā pūkete penapena me ngā moni tāpui. Ka rukuhia e tēnei tuhinga ngā rerekētanga matua, ngā painga, me ngā whakaaro me maumahara koe i te wā e whiriwhiri ana koe i waenga i ēnei taputapu pūtea e rua.
Te Mārama ki ngā Pūkete Penapena
Ko te pūkete penapena tētahi o ngā hua pūtea tino māmā, tino ngāwari hoki e tukuna ana e ngā peeke. He wāhi haumaru tēnei hei penapena i ō moni, me te whiwhi huamoni iti hoki. Anei ētahi o ngā āhuatanga matua:
– Te Moni Whakaterenga: He nui te moni whakaterenga o ngā pūkete penapena, arā, ka taea e koe te uru atu ki ō moni i ngā wā katoa, kāore he whiu. He mea tino pai tēnei mō te whakatutuki i ngā hiahia pūtea o ia rā me ngā āhuatanga ohorere.
– Ngā Reiti Huamoni: Ahakoa he iti ake ngā reiti huamoni mō ngā pūkete penapena i ērā atu kōwhiringa haumitanga, ka whakanuia i ia rā, i ia marama rānei, kia kore ai e pumau te tipu o tō moni i roto i te wā.
– Taurite Iti rawa: He maha ngā wā ka hiahiatia e ngā peeke he taurite iti rawa kia mau tonu i roto i ngā pūkete penapena. Ki te kore e pena, ka puta he utu, ka pāngia pea ō hua.
– Haumarutanga: Ko ngā moni kei roto i tō pūkete penapena ka inihuatia e ngā kaupapa kāwanatanga, pērā i te FDIC i te Hononga o Amerika, tae atu ki tētahi nui, hei whakarato i tētahi paparanga haumarutanga tāpiri.
Tirohanga Whānui mō ngā Putunga Wā
Ko ngā moni tāpui wā, e mōhiotia ana ko ngā moni tāpui pumau, ko ngā tiwhikete tāpui rānei (CD), he taputapu haumi e hiahia ana kia mau tonu ō moni mō tētahi wā kua whakaritea. Me wehewehe tātou i ngā āhuatanga matua:
– Ngā Reiti Huamoni: Ko ngā moni tāpui wā he nui ake ngā reiti huamoni i ngā pūkete penapena. Ko te roa o te wā, ko te teitei ake o te reiti huamoni, ā, ka nui ake te hua o tō haumitanga.
– Wā Maukati: He wā maukati kei ngā penapena wā mai i ētahi marama ki ētahi tau. Mēnā ka tangohia ngā moni i mua i te paunga o te wā, ka pāngia pea koe e te whiu, ā, ka ārai i te tango wawe i ngā moni.
– Haumarutanga: Pērā i ngā pūkete penapena, ka inihuatia hoki ngā moni tāpui wā e ngā kaupapa kāwanatanga, hei tāpiri atu i tētahi taumata haumarutanga ki tō whakapaipai kua whakangaohia.
– Te Matapae: Nā te reiti huamoni pumau me ngā hokinga mai kua whakamanahia, ka waiho ngā penapena wā hei haumitanga pumau, ā, he mea tino pai ki te hunga haumi e ātete ana ki te mōrearea.
Te Whakataurite i ngā Pūkete Penapena me ngā Pūtea Wā
Hei whiriwhiri mā te whai whakaaro, me arotake e koe ngā kōwhiringa e rua i runga i ētahi paearu:
1. Ngā Hiahiatanga Wairewa:
– Ngā Pūkete Penapena: Mena kei te hiahia koe ki te uru atu ki tō moni mō ngā whakapaunga o ia rā, mō ngā āhuatanga ohorere, mō ngā whāinga poto rānei, he pai ake te whakamahi i tētahi pūkete penapena.
– Ngā Pūtea Wā: Mena ka taea e koe te pupuri i ō moni me te kore e hiahiatia he urunga wawe, ka nui ake ngā hua ka puta mai i ngā pūtea wā.
2. Ngā Whiwhinga Huamoni:
– Ngā Pūkete Penapena: Ahakoa he iti ngā reiti huamoni, ka ea te āhuatanga moni mā te ngāwari o te uru atu ki tō moni.
– Ngā Penapena Wā: Ka taea e ngā reiti huamoni teitei ake te whakanui ake i ō penapena, inā koa mō ngā penapena wā roa, ā, he mea tino pai mō ngā whāinga wā-waenga ki te wā roa.
3. Hiahia ki te Tūpono:
– Ngā Pūkete Penapena: He iti te mōrearea, he tino haumaru hoki, he pai mō ngā kaipupuri moni matatika.
– Ngā Pūtea Wā: He iti hoki te mōrearea, engari he iti noa te mōrearea ka tāpirihia e te whiu mō te tango wawe. Heoi anō, he haumitanga haumaru ēnei me ngā hokinga mai e matapaetia ana.
4. Ngā Whāinga Pūtea:
– Ngā Pūkete Penapena: He tino pai mō ngā whāinga poto pēnei i te penapena mō ngā hararei, ngā moni ohorere, ngā hoko iti rānei.
– Ngā Pūtea Wā: He mea pai mō ngā whāinga pūtea mō te wā roa pēnei i te putea i te mātauranga o te tamaiti, te hoko whare, te whakamahere reti rānei.
Te Huarahi Ranu
I ngā wā maha, ko te rautaki ranu e whakauru ana i ngā pūkete penapena me ngā moni tāpui wā te huarahi pai rawa atu. Anei te huarahi hei whakarite:
– Pūtea Āwhina: Puritia tētahi wāhanga o ō penapena ki roto i tētahi pūkete penapena wai. Ko tētahi ture pai ko te whakarite kia wātea ngā whakapaunga mō ngā marama e toru ki te ono.
– Ngā Whāinga Poto: Whakamahia he huinga o ngā pūkete penapena hua nui, ngā moni tāpui poto rānei, mō ngā whāinga pūtea poto ki te wā waenga.
– Ngā Whāinga Wā Roa: Maukatihia ō moni tāpui ki roto i ngā moni tāpui wā roa hei whakanui ake i ngā hua. Whakaarohia te whakarōpū i ō moni tāpui wā ki ngā wā pakeke rerekē hei whakarato i ētahi moni tāpui me te whakamahi i ngā reiti huamoni teitei ake.
Tauira Ao-Tuturu
Hei tauira, me whakaaro tātou ki ētahi tāngata whakaaro noa e rua, a Alice rāua ko Bob, e $10,000 tā rāua hei haumi:
– Alice: E hiahia ana a Alice kia wātea tonu tana moni i te mea kei te penapena ia mō te utunga moni pea mō tētahi whare i roto i ngā marama 12 ki te 18 e whai ake nei. Ka whiriwhiria e ia tētahi pūkete penapena hua nui e tuku ana i te 1.5% huamoni. Mā te tere o te putea penapena ka māmā ake mā Alice te whakatutuki i tana whāinga me te mahi tere ina rite ia ki te hoko i tōna whare.
– Bob: I tētahi atu taha, kei te penapena a Bob mō tana reti, e 10 tau te roa. Ka whiriwhiria e ia he moni tāpui wā-5-tau e tuku ana i te 3% huamoni. I te mutunga o te wā, kei te whakaaro ia ki te haumi anō i te moni matua me te huamoni ki tētahi atu moni tāpui wā-5-tau, me te whai hua anō mai i te huamoni whakakotahi. Ka whakanuia e Bob ana hua me te iti o te mōrearea nā te mea he teitei ake ngā reiti huamoni i runga i ngā moni tāpui wā.
Opaniraa
Ko te whiriwhiri i waenga i te pūkete penapena me te pūkete penapena wā-wā e whakawhirinaki ana ki ō hiahia pūtea, ō whāinga, me te hiahia mō te mōrearea. Mā ngā pūkete penapena ka māmā te uru atu ki ō moni, he mea tika mō ngā penapena o ia rā me ngā āhuatanga ohorere. I tētahi atu taha, he nui ake ngā reiti huamoni e tukuna ana e ngā pūkete penapena wā-wā, engari he iti tonu te mōrearea o te haumi.
Hei whakamutunga, whakaarohia ō hiahia mō te wā poto me ō whāinga mō te wā roa ina whakatau koe. Tērā pea ka hiahia koe ki te rapu tohutohu mai i ngā kaitohutohu pūtea hei āwhina i a koe ki te whakawhanake i tētahi rautaki taurite, kanorau hoki e whakamahi ana i ngā painga o ngā pūkete e rua.
I tēnei ao pūtea e huri haere tonu ana, me āta whakaaroaro me te mārama ki ngā kōwhiringa e rua kia tika ai te whiriwhiri. Mā te paunatia ngā painga me ngā huakore, ka taea e koe te whakatau whai whakaaro e hangai ana ki ō whāinga pūtea me tō momo noho.
