四种储蓄及其他重要储蓄账户信息
Learn more about savings accounts 和 how they work. 我们分享了四种不同的储蓄方式来帮助你决定哪一种可以帮助你实现你的财务目标.
Important savings account information
What is a savings account?
A savings account is a simple way to save money. 储蓄账户是流动的，这意味着钱可以快速提取. This makes them ideal for financial needs such as: 假日消费，主要采购; 假期, 婚礼 和 应急资金.
How does a savings account work?
你通常在银行或信用社开一个储蓄账户，然后把钱存进去. Your account will then produce interest on your balance. 请记住，虽然你会从你的储蓄账户中赚取利息, it won't be as substantial as with other investment options.
You can access your money in this account with an ATM卡例如，你可以在银行分支机构取钱，或者把钱从你的储蓄账户转到银行 支票账户. Savings accounts typically do not offer debit cards or checks. 你的银行或信用合作社可以确认是否有提款次数限制, minimum balances 和 interest rates offered.
Are savings accounts insured?
每个银行的每个所有权类别的账户最高可获得25万美元的pp王者电子官网(不是每个开设的储蓄账户)。. 联邦存款pp王者电子官网公司(FDIC)为许多不同的账户类型/所有权类别提供pp王者电子官网. 根据这种结构，你可能会收到超过25万美元.e., adding beneficiaries.
- 银行 - - - Federal Deposit pp王者电子官网 Corporation 为全国7000多家银行和储蓄协会的存款提供pp王者电子官网. FDIC识别、监督并解决这些机构面临的风险.
- 信用合作社 - - - National Credit Union Administration regulates, charters 和 supervises federal credit unions.
储蓄的种类
Emergency fund or “I can’t touch fund”
应急资金 是重要的，因为他们可以帮助你处理意想不到的事情，可能会花费你的钱. 示例包括 失业, medical emergencies 和 home or 汽车维修. If you don’t have an 应急基金, you may choose to incur 信用卡债务 to address these challenges. An 应急基金 是为了避免在紧急情况下使用信用卡而设计的吗.
A high-yield savings account could be used for an 应急基金. 它提供更高的利率，但通常有更高的最低余额，也可能收取费用.
Another savings account to consider for an 应急基金 is a money market savings account. 这种帐户类型可能会提供更高的利率，甚至是促销性的介绍性利率. Some have minimum balances, 比如500美元或1美元,000, that the saver must maintain to avoid fees, 与传统储蓄账户较低或没有最低余额要求相比.
从理论上讲, 应急资金 are used infrequently, 因此，如果你决定使用一个利率较高的账户，这些权衡可能是值得的.
The "I can touch" fund
这是针对你知道会发生的事情，但不是每个月. 礼物, 旅行, 房地产税, homeowners insurance premiums or hair appointments, for example. 弄清楚接下来会发生什么，然后存一些钱来支付这些费用. Then when they do come up, 你不必打破你的每月预算来支付他们-钱已经在那里了, 等待.
A traditional savings account can be good for this type of savings. Most savings accounts 提供在线访问, making it easier to transfer money 和 check your balance. 除了, 有些可能不要求最低开户金额，并允许您直接存款, which can help if you want to set up an auto-transfer option. 最后, 虽然利率可能比其他储蓄账户类型低, you may have quicker or easier access to funds.
"I know what I want, I just need to pay for it" fund
这种储蓄是为了在几年内实现一个特定的目标或购买. Some examples may be a 梦想的车, a once in a lifetime 旅行 destination or a wedding. These are not really part of your living expenses. They are something you would like to have. So, this savings is designed to help you get them.
A certificate of deposit (CD) may be a good way to save money for this type of goal. Minimum balances vary, 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, the better the interest rate. 需要注意的一点是:存单到期后自动续期，除非您指示银行另行办理.
长期储蓄
When you're saving for things like a 首付 or 退休, you'll want to think about saving in a different way. For longer time frames, 你可能会考虑投资，而不是把钱存在传统的储蓄账户里.
Now that you have read about saving accounts 和 saving types, 你可能对其他金融话题感兴趣，比如 basics of investing, 共同基金 或不同的 退休账户.
