ʻO kahi pūnaewele hōʻailona pūnaewele paha kāu iʻoi aku i kāuʻoi akuʻoi loa
He aha nā mea e hoʻonui ai i ka hōʻoia kālā?
ʻO ka hua'ōlelo "pūnaewele mālama huahua kiʻekiʻe" he ala ia e'ōlelo aiʻo kēia mau helu he mau waihona kālā palekana.
Loaʻa i kekahi mau mea pili i kēia mau moʻolelo. ʻO ka maʻamau, eʻoliʻoliʻoe i ka APY kiʻekiʻe (Ka HoʻohaunaʻAna Makahiki). Eia naʻe,ʻaʻoleʻoe eʻae me ka panakana i ka mea i loaʻa he "kiʻekiʻe" APY.
Ināʻo ia ka hihia, hiki iāʻoe ke kūʻai aku a puni eʻike i kaʻike mālama waiwai nui āu e manaʻo nei heʻoihana paʻakikī. Hiki i nā pūnaewele waiwai pilikino likeʻole, hiki iāʻoe ke noʻonoʻo i nāʻauwai pūnaewele no ka loaʻaʻana o ka pūnaewele mālama waiwai maikaʻi.
Nā Manaʻo no kahi Pūnaewele Haʻawina Kūpono Kūpono
ʻO ka mea maʻamau,ʻo nā kālepa wale nō ke hāʻawi aku i nā kumukūʻai palekana kiʻekiʻe i kekahi poʻe kūʻai. No ke kūʻana, pono pahaʻoe e hālāwai i hoʻokahi o ka lima o nā papahana. Eia kekahi laʻana, ponoʻoe e hoʻolako i kahi waihona nui nui, e mālama i kahi palekana nui i ka manawa a me ka hoʻopauʻana i nāʻoihana i loko a ma waho o kaʻike. E mālama pahaʻoe i nā pili kālā'ē aʻe. ʻO ka hapa nui, e hoʻomanaʻo i nāʻauwai wale nō e makemake e hāʻawi i nā kumukūʻai mālama kiʻekiʻe i nā mea kūʻai i kālepaʻia.
ʻIke PūnaeweleʻIke Pūnaewele
Hiki i nā 'ike pūnaewele pūnaewele ke' aeʻokoʻa i nā lula ma luna. Hoʻonuiʻia kēia mau helu me ka nui o nā kālā i loaʻa he $ 1! ʻO ka kūʻaiʻana he pono iāʻoe e hana i nā mea hou o kāu hana, e like me ka hoʻohanaʻana i ka Internet (inā eʻikeʻoe i kēlā hana), e hoʻohui ana i nā pūnaewele a me ka mālamaʻana i nā hoʻoiliʻana i loko a ma waho o kāu mau waihona mālama waiwai.
Ināʻikeʻoleʻoe i nā pūnaewele pūnaewele pūnaewele, e nānā i kēia nānā ākea e pili ana iā lākou , e hoʻopiha me nā hiʻohiʻona o nā mea hoʻolako.
Pehea e huli ai i nā hōkeo hoʻoponopono kālā kiʻekiʻe
Kūpono nā lunaʻike kālā e hoʻohana i kaʻike pūnaeweleʻIkepili ināʻoi aku ka hoʻolimalimaʻana o ka mea kūʻai i ka pūnaewele no ka mea, ma laila e holo mau ai lākou i nā kaʻina . Hiki iāʻoe keʻike i nā manaʻoo kekahi o nā loiloi kaulana ma o nā palapala i lalo iho nei:
- Nāʻoihana hoʻolimalima hōʻemi mālama kālā
- Online Banking 101
- Nā Pūnaewele Kālepa a me nā'Aihui
- Kahi e wehe ai i kahi Pūnaewele Kuhi Pūnaewele
Ināʻoi aku ka nui o nā pōhaku brik a me ka pana kī, ponoʻoe e nānā wale i kāu pēke e kū nei. E noi i kāu mea e pono ai e hana i kahi kiʻekiʻeʻoi aku ma mua o ka loaʻaʻana iāʻoe. Ināʻaʻole hiki iā lākou ke hāʻawi iāʻoe i kekahi mea, e huli i "nā kumukūʻai palekana kiʻekiʻe" ma ka pūnaewele. Pono hiki iāʻoe keʻimi i kahi kālepa paʻa ma kou wahi me kahi mea e hāʻawi aku. E pālua inā e noho anaʻoe i kahi o nā kaona nui nui me nā hui kūʻokoʻa e koho mai.
Inā, no kekahi kumu, keʻoluʻoluʻole neiʻoe i nā kumukūʻai mālama waiwai nui e loaʻa ana iāʻoe, e noʻonoʻo i nā mea hana kālā'ē aʻe e hoʻonui i ka nui o nā pānaʻi waihona, e like me nā CD hoʻoili kālā (Certificates of Deposit).
Me nā CD, ponoʻoe eʻaeʻole e hoʻokaʻawale i kāu kālā no kekahi manawa, pinepine i nā mahinaʻeono ma ka liʻiliʻi.