IiAkhawunti zeAsset ezigcinwe
I-Akhawunti ye-Alliance ye-Prudential yindlela egcinwa ngayo i-akhawunti ye-asethi .
Iingxelo ze-asethi ezigcinwe zigcinwe zisetyenziswe ngabagcini bomshuwalense ukususela kwiminyaka ye-1980. Ziye zaphuhliswa njengenye indlela yokuhlawula imali yentlawulo eyenziwe nge-check check. I-akhawunti egcinwe nge-asethi yindlela yokujonga iakhawunti eyenziwe ngumsikimali wokuhlawula izibonelelo. Umshuwalense usungula i-akhawunti egameni lomxhamli kwaye ubeka i-intanethi ye-inshorensi yobomi bomshuwalense. Umxhamli uhoxisa imali ngokubhalwa kwe-akhawunti.
I-akhawunti egcinwe i-asethi inokuba luncedo xa umntu osindileyo ephazamiseka kakhulu xa efa ilungu lentsapho ukwenza izigqibo zokutyalomali. Umxhamli unokushiya imali kwi-akhawunti ade akulungele ukwenza ezo zigqibo. Umsindisi unokurhoxisa nayiphi na imali okanye nayiphi na imali ngokubhala isheke.
Abaqinisekisi bafumana imali ekugcineni i-akhawunti ye-asethi ngokutshala imali egcinwe kwiakhawunti. Iirhafu abazitholayo kwiimali zabo ziphezulu kakhulu kunamaxabiso abahlawulela kubani be-akhawunti.
Iingxaki
Kubaxhamli, ii-akhawunti ezigcinwe kwiimpahla zinokungabikho.
- Umyinge weNzala ephantsi Umlinganiselo wenzala ohlawulwa kwiakhawunti ye-asethi iphantsi kakhulu. Umlinganiselo oqhelekileyo ngu -5%. Abaxhamli banokufumana ukubuyiswa okungcono ngokudlulisela imali kwisitifiketi se-deposit, isikhwama semarike yemali okanye olunye utyalo-mali.
- Iifom ze-insured ze-FDIC ezigcinwe yinkampani ye- inshorensi ayiqinisekisiwe yi-FDIC. Nangona kunjalo, uninzi lwamaziko aneziko le- guaranty eliza kukhusela umnini-akhawunti ukuba umgcini-mali uza kuhlaselwa okanye akakwazi ukuhlawula inzuzo.
- Ayikho i-Akhawunti yokuhlola eyiyo I-akhawunti egcinwe njenge-asethi ayikho i-akhawunti yokuhlola eyiyo. Okokuqala, "ukuhlola" kunokuba yimirhumo, apho abarhwebi abanako ukuwamkela ngokutshintshiselwa ukuthenga. Okwesibini, abanikazi beakhawunti abakwazi ukufaka imali, bathi kwi-paycheck, kwi-akhawunti.
- Ukufikeleleka Ukufikeleleka Umntu osindayo ofuna ukusebenzisa zonke iimali ngokukhawuleza kufuneka alinde de kubekwe i-akhawunti kwaye sele ifunyenwe ithenki.
Iipolisi zobomi be-US
I-Prudential ilawula i-inshorensi yempilo ye-inshorensi yobomi ethengiweyo kunye namalungu angaphambili aseMelika. Imigaqo-nkqubo iyathengiswa kwiSebe le-Merika ye-Ants Affairs (VA). Amalungu asebenzayo aqinisekisiwe phantsi kweNkqubo yeeNkampani zeNkampani ye-Inshurensi yoBomi (SGLI). Abadlali bee-Attala baqinisekisiwe phantsi kweNkqubo ye-Insurance Group ye-Veterans Group (VGLI). I-Prudential iye yaqhuba le nkqubo ukususela ngo-1965.
Kuze kube ngo-2009, isivumelwano esibhaliweyo phakathi kwe-Prudential kunye ne-VA sichaze ukuba ukuba umzuzi phantsi kwe-SGLI okanye i-VGLI icele inkokhelo yentlawulo, inkokhelo iya kwenziwa ngetshekhi enye.
Nangona kunjalo, Ngo-1999 u-Prudential waqalisa ukuhambisa iintlawulo ze-Alliance Accounts ngesivumelwano somlomo kunye nabaxhamli be-VA abacelileyo ukuba bafumane isicatshulwa semali epheleleyo. Kunoko, bafumana i-checkbook kunye nolwazi malunga ne-Akhawunti ye-Alliance.
Ngonyaka ka-2009 isivumelwano somlomo esivumelekileyo ukusebenzisa iAlliance Accounts sabhalwa. Oku kwabangela ukuba imidiya yeendaba ifumaneke. I-Prudential kunye ne-VA babetyholwa ngokubandakanyeka kwiindlela ezikhohlisayo kunye nokuxhamla kwabasindileyo beNkonzo. Baye baxhatshazwa ngenxa yokubeka iingenelo engozini ngokuzifaka kwiingxelo ezingenakucetyiswa yi-FDIC.
IiNkqubo zoNcedo ngoku
Ekupheleni konyaka we-2010, ii-VA kunye ne-Prudential zatshintsha indlela iindlela ezihlawulwa ngayo. Abaxhamli banamathuba amane okukhethayo ukususela xa ufaka izicelo.
Bangakwazi ukufumana inkokhelo ngoluphi na olu lulandelayo:
- I-Akhawunti yeNxulumano
- Ukudluliselwa kwikhompyutha kwi-akhawunti yebhanki
- Khangela ixabiso lokuhlawula imali
- Iintlawulo zentlawulo kwiinyanga ezingama-36
Ukuba umxhamli akenzi ukhetho, i-Prudential izakufaka iifom kwi-Akhawunti ye-Alliance.
Umthetho
Ngo-2014 ubuChwepheshe bulungiselele umgwebo wezenzo zeeklasi kwi-$ 39.2 yezigidi. Abamangalelwa bathi inkohlakalo iphula umthetho wesigqeba, kwaye iphulaphule isivumelwano kunye nomsebenzi wayo wokuba baxhamli. I-Prudential yalahla izigxeko kodwa yazinzisa i-suit ukuze igweme iindleko zetyala.
Abanye abaqinisekisi bompilo baye baxoxwa ngokusetyenziswa kwabo kweakhawunti ye-asethi. Iziphumo zixutywe. Abatshutshisi baye bafumana ezinye iimeko baze balahlekelwa ngabanye. Ngo-2014 iNkundla ePhakamileyo yase-United States yenqabile ukuphonononga isigqibo senkundla esezantsi esasigweba kwi-insurer. Okwangoku, abaninzi abagcini bomshuwalense basasebenzisa ii-akhawunti ze-asethi ezigcinwe ukusabalalisa izibonelelo. Abaxhamli bemigaqo-nkqubo ye-inshorensi yobomi banokuphepha ezi akhawunti ngokukhetha enye indlela yokuhlawula.