美聯儲2025年繼續降息 定存帳戶該存多少？
美聯儲2025年繼續降息 定存帳戶該存多少？
過去兩年，許多銀行的定期存款利率達到5%，雖然美聯儲最近開始降息，但開設定存帳戶（Certificate of Deposit）仍是增加存款的好方法。
利率上下浮動，定期存款應該存多少呢？財務顧問表示，最佳的定期存款存儲金額取決於您的財務狀況和人生目標。
金融公司Rocket Dollar的共同創辦人吉田（Henry Yoshida）強調，退休儲蓄不足或缺乏緊急資金的人，不應該開設CD帳戶。
在開設帳戶前，要將至少10%的收入投入退休帳戶，儲蓄帳戶中必須要有應急資金，也就是三到六個月的生活費，還要還清高利息債務，例如信用卡、汽車貸款、學生貸款。
如果有大學學費或者醫療費用等重大支出的民眾，專家也建議存少量的CD金額，並確保流動資金充足，因為提前取款會面臨大筆罰金，甚至會減少部分本金。
此外，如果短期內需要用錢，專家建議採取其它方法，例如開設高收益的儲蓄帳戶或者投資貨幣市場基金。
#利率 #美聯儲 #Fed #定期存款 #退休帳戶 #理財 #美國理財 #信用卡 #汽車貸款 #學生貸款 #大學學費 #銀行 #CertificateofDeposit #CD #今日加州
How much should I save on my regular savings?
The financial consultant said,
the best amount of regular savings depends on your financial situation and life goals.
The co-founder of the financial company RocketDollar, Ji Tian, emphasized that
people who have insufficient or lack of emergency funds should not set up a CD account.
Before setting up an account,
you should invest at least 10% of your income in a retirement account.
The savings account must have emergency funds,
which is the living expenses of three to six months,
and also pay off high-interest loans, such as credit cards, car loans, student loans, etc.
If there are people with college tuition or medical expenses,
experts also recommend saving a small amount of CD amount and ensure that there is enough mobile funds,
because withdrawing money in advance will face a large fine and even reduce some of the capital.
In addition, if you need money in the short term,
experts suggest taking other methods,
such as setting up a high-profit savings account or investing in a monetary market fund.
This is Zhang Boyuan from Xintang TV.