Four kinds of savings 和 other important savings account information
了解更多关于储蓄账户的知识以及它们是如何运作的. We share four different kinds of savings to help you decide which one may help with your financial goals.
重要的储蓄账户信息
什么是储蓄账户?
储蓄账户是一种简单的存钱方式. Savings accounts are liquid, which means that the money is available for quick withdraw. 这使它们成为满足以下财务需求的理想选择: 假日消费，主要采购; 假期, 婚礼 和 应急资金.
储蓄账户是如何运作的?
You typically open a savings account at a bank or a credit union, 和 deposit money in it. 然后你的账户余额将产生利息. Keep in mind that while you'll earn interest on the money in your savings account, 它不会像其他投资选择那样可观.
你可以用一个 ATM卡, by making withdrawals at a bank branch or by transferring money from your savings account to a 支票账户. 储蓄账户通常不提供借记卡或支票. Your bank or credit union can confirm if t在这里 are restrictions on number of withdrawals, 提供的最低余额和利率.
储蓄账户有pp王者电子官网吗??
Accounts are insured up to $250,000 per ownership category per bank (not per savings account opened). The 联邦存款pp王者电子官网公司 (FDIC) offers insurance in many different account type/ownership categories. Based on the structure, you may be able to receive more than $250,000 i.e.，增加受益人.
- 银行 - - - 联邦存款pp王者电子官网公司 insures deposits at more than 7,000 banks 和 savings associations across the nation. The FDIC identifies, monitors 和 addresses risks to these institutions.
- 信用合作社 - - - 国家信用社管理局 管理、特许和监督联邦信用合作社.
储蓄的种类
应急基金或“我碰不到基金”
应急资金 are important because they can help you address unexpected things that might cost you money. 示例包括 失业，医疗紧急情况和家庭或 汽车维修. 如果你没有应急基金，你可以选择自己承担 信用卡债务 为了应对这些挑战. An 应急基金 is designed to help avoid using credit when these emergencies occur.
A 高收益储蓄账户 可以用作应急基金吗. It offers an increased interest rate, but often has higher minimum balances 和 may charge fees, too.
另一个可以考虑作为应急基金的储蓄账户是 货币市场储蓄帐户. This account type may offer higher rates — even promotional introductory rates. 有些有最低余额, 比如500美元或1美元,000, 储蓄者必须保持这一点以避免费用, compared to lower or no minimum balance requirements with 传统储蓄账户s.
从理论上讲, 紧急资金很少使用, so the trade-offs might be worth it if you decide to use one of the higher interest accounts.
“我能碰”基金
This is for things you know are going to happen, but just not every month. 礼物, 旅行, 房地产税, 房产pp王者电子官网 例如，pp王者电子官网费或理发预约. Figure out what's coming up 和 put some money away to pay for these expenses. 当它们出现的时候, you don't have to bust your monthly budget to pay for them — the money is already t在这里, 等待.
A 传统储蓄账户 这类储蓄能有好处吗. 大多数储蓄账户 提供在线访问，使您更容易转账和查看余额. 除了, some may not require a minimum opening deposit 和 will let you make direct deposits, 如果你想设置自动转账选项，哪一个能帮上忙. 最后, while the interest rate may be lower than other savings account types, 你可以更快或更容易地获得资金.
“我知道我想要什么，我只需要为它买单”基金
This kind of savings is for a specific goal or purchase that may happen in a few years. 一些例子可能是a 梦想的车一生一次的旅行目的地或婚礼. 这些并不是你生活开支的一部分. 它们是你想要的东西. 所以，这个储蓄是为了帮助你得到它们.
A 存单(CD) 可能是为这类目标省钱的好方法吗. 最低余额各不相同, 和 renewal options let you put your money in a CD 和 forget it; you can't access the funds without penalty until the term is over. CD terms generally range from about six months to five years; typically, 期限越长, 利率越高. One thing to note: When mature, CDs automatically renew unless you direct the bank otherwise.
长期储蓄
当你存钱买东西的时候 首付 or 退休，你就会想换一种方式储蓄. 对于更长的时间框架, you might consider investing your money rather than putting it in a 传统储蓄账户.
既然你已经了解了储蓄账户和储蓄类型, you may be interested in learning more about other financial topics like 投资基础, 共同基金 或不同的 退休账户.
