A Taaban A Historical Maalgashiga Maalgashiga Safe ah.
Fikradda ka dambeysa kaydka hawlgabka waa in la ururiyo lacagta ugu badan ee suurtogalka ah ee leh halista ugu yar ee halista ah. Meeqa dakhliga maalgashiga intee le'eg ayaad filan kartaa inaad hesho haddii aad ku dhejiso maalgashi ammaan ah?
Ma jirto jawaab sahlan sababta oo ah waxay ku xiran tahay sanadka. Waxaa jira qiimo lagu bixinayo amniga dakhliga hooseeya. Haddii aad rabto inaad damaanad qaadato maamulahaaga oo aad rabto in laguu celiyo balanta, waxaad filaneysaa inaad soo noqotid inaad noqoto mid hooseeya.
Haddii CD saddexda bilood ah ay bixiso celcelis ahaan .07 celcelis celcelis ah, taas macnaheedu waxa weeye inaad kasbato $ 70 sanadkiiba $ 100,000 kasta oo aad maalgashato.
Ka warran qarashkaaga mudo dheer? Waxaa laga yaabaa inaad awoodi karto inaad heshid boqolkiiba 3.5% dammaanad qaadka ah 10 sano oo ah magdhow, laakiin waxaad la kulmi doontaa qarashyada bixinta oo aad bixineyso haddii aad ka soo qaadatay ka hor 10 sano ka hor.
Soo Celinta Maalgashiga Amniga ee Taariikhda
Maalgashi ammaan ah sida shahaadada deebaajiga ayaa 17.2 boqolkiiba soo galay sanadkii 1981. Waxaad heshay $ 17,200 dakhliga dulsaarka ee $ 100,000 oo aad maalgashatay. Laakiin wax soo saarkaas oo kale ah ayaa helay 2.18 boqolkiiba sannadkii 2003, ama $ 2,180 dakhliga dulsaarka sanadkiiba $ 100,000 oo doolar.
Haddii aad hawlgabtay sannadkii 2003 oo aad kaliya ku maalgelisay xisaabaadyo ammaan ah, dulsaarka, waxaa kugu adkaatay in aad sii wadatid heerka caadiga ah ee hawlgabka ka dib. Sicir-bararka ayaa sababi lahaa qiimaha kor u kacaya inta dakhligaaga maalgashiga uu si joogta ah hoos u dhacay.
Waxaad isbarbar dhigi kartaa wixii ku soo noqnoqonaya maalgalinta amaanka ah ee taariikhda soo celinta taariikhda kaydka adigoo eegaya sida S & P 500 index u sameysay sanado badan. Soo-celinta waxay ku sarreysey kaydka, laakiin kaliya haddii aad sii joogtay maalgashiyada oo dhan iyo hoos u dhaca.
Sidee loo qorsheeyaa hawlgabka oo leh sicirrada dakhliga hoose
Raadi siyaabo aad isugu dubarido noocyo kala duwan oo ah maalgashiga howlgabka , labadaba kuwa amaanka leh iyo kuwa khatarta leh, si aad u bixin karto socodka lacagta caddaanka ah ee aad u baahan tahay haddii aad qorsheyneyso hawlgab xilliga muddada dulsaarka hooseeya.
Badiba hawlgabku waa inay qorsheeyaan si tartiib tartiib ah u kharash gareeyaan qaar ka mid ah maamulayaashooda sannadaha hawlgabka.
Ku billow inaad sameyso qorshe dakhliga howlgabka - wakhti cad oo muujinaya waxaad haysato iyo waxa aad u baahan doonto sanadaha soo socda. Waxaad arki kartaa haddii kaydkaagu ku filan yahay inuu daboolo farqiga ka dib markaad haysatid tan lagu sharxay, xitaa haddii ay muujineyso in uu hooseeyo.
Dib-u-Celinta Maalgashiga *
| Taariiqda 3da Bilood ee CD | ||
| Sannad | Soo noqo | Dakhliga Sanadlaha ah $ 100k |
| 2000 | 5.23% | $ 5,230 |
| 2001 | 6.09% | $ 6,090 |
| 2002 | 5.10% | $ 5,100 |
| 2003 | 2.18% | $ 2,180 |
| 2004 | 1.35% | $ 1,350 |
| 2005 | 1.27% | $ 1,270 |
| 2006 | 2.75% | $ 2,750 |
| 2007 | 4.63% | $ 4,630 |
| 2008 | 5.30% | $ 5,300 |
| 2009 | 3.85% | 3,850 |
| 2010 | 1.52% | 1,520 |
| 2011 | .31% | $ 310 |
| 2012 | .30% | $ 300 |
| 2013 | .32% | $ 320 |
| 2014 | .15% | $ 150 |
| 2015 | .07% | $ 70 |
Xaaladdu way fiicnayd 2016 marka la eego celceliska celceliska celceliska. 16 boqolkiiba lix bilood, laakiin tani way ka hoosaysay waxa ay ahayd sannado ka hor 2010. Xaddigan wuxuu kugu soo kicin doonaa $ 160 doolar sannadkiiba $ 100,000 .
* Xogta laga helay shahaadada xisaabta (CODI) oo ah 12ka celceliska bisha ee shahaadada shahaadada 3da bilood ee qaran ee la daabacay.
FIIRO GAAR AH: Had iyo jeer la tasho qof xirfadle ah talooyinka ugu dambeeyey iyo boqolleyda. Maqaalkani ma aha talada maalgashiga looma jeedo inuu yahay talo maalgashi.