Amid nce tus paj laum, ntawm no yog yuav ua li cas los tuav nyiaj khaws cia, nqis peev thiab nuj nqis.
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Thawj zaug hauv 22 xyoo, Tsoom Fwv Teb Chaws Reserve tau nce cov paj laum los ntawm ntau tshaj ib feem peb ntawm cov ntsiab lus. Tseeb tiag, hnub Wednesday Fed tshaj tawm tias, ua tsaug rau kev nce nqi zaum ntawm 40-xyoo siab, nws yuav nce cov paj laum los ntawm ib nrab feem pua. "Kev nce nqi nce siab dhau lawm thiab peb nkag siab txog kev nyuaj uas nws ua rau," Tsoom Fwv Tebchaws Reserve Thawj Tswj Hwm Jerome Powell tau hais rau hnub Wednesday. "Thiab peb tab tom txav nrawm kom coj nws rov qab los." Peb nug cov kws pab tswv yim nyiaj txiag thiab cov kws tshaj lij los ntsuas seb cov neeg siv khoom yuav tsum ua li cas nrog lawv cov nyiaj tau los.
Nrhiav ib tus as-qhauj nrog cov nqi zoo dua
Cov neeg siv khoom tuaj yeem tau txais txiaj ntsig los ntawm kev cia siab tias yuav nce cov txiaj ntsig ntawm cov nyiaj khaws cia, tshwj xeeb tshaj yog los ntawm cov nyiaj tau los hauv online txuag nyiaj ntau, uas zoo li yuav hnov mob sai dua rau cov nqi nce mus, cov neeg hais. Snigdha Kumar ntawm Digit hais tias "Feem ntau, cov nyiaj npib nrog tus nqi nce yog tias koj tuaj yeem khwv tau ntau dua ntawm koj cov nyiaj khaws cia," hais tias Snigdha Kumar ntawm Digit. Kimberly Palmer, tus kws tshaj lij nyiaj txiag ntawm tus kheej ntawm Nerdwallet: “Yog tias koj muaj nyiaj khaws cia, nws yog lub sijhawm zoo los mus ncig xyuas kom paub tseeb tias koj cov nyiaj khwv tau los ntau li ntau tau. Koj tuaj yeem nrhiav tau tus lej ntawm cov nyiaj tau txais txiaj ntsig zoo uas them 0.6% lossis ntau dua tam sim no; aim kom muaj tsawg kawg yog 3-6 lub hlis ntawm cov nuj nqis tseem ceeb hauv koj cov nyiaj kub ceev.
Them nuj nqis, stat
Txhua tus kws tshaj lij uas peb tau hais kom pom zoo tias kev them nuj nqis yog qhov tseem ceeb tshaj plaws. "Kev nce cov paj laum txhais tau tias koj cov nuj nqis yuav raug nqi ntau dua. Piv txwv li, yog tias koj muaj $ 10,000 nyob rau hauv cov nuj nqis, 50 lub hauv paus ntsiab lus nce yuav txhais tau tias koj yuav tau them ntxiv $ 50 toj ib xyoo rau tus nqi paj. Nws tau cia siab tias cov paj laum no yuav nce ntxiv nyob rau ob peb lub hlis tom ntej no yog li tam sim no yog lub sijhawm them koj cov nuj nqis, tshwj xeeb tshaj yog credit card thiab lwm cov nuj nqis sib txawv, "hais Kumar.
Yog tias koj muaj credit card nuj nqis, koj tuaj yeem sim hu rau koj tus neeg muag daim npav kom nug tus nqi qis dua. Koj tuaj yeem xav txog kev sib sau ua ke thiab them cov paj laum siab credit card nrog cov paj laum qis dua tus kheej qiv lossis Cov nyiaj qiv hauv tsev (saib cov nqi qis tshaj hauv tsev uas koj yuav tsim nyog rau ntawm no). Hloov mus rau 0% cov paj laum pub dawb hloov pauv daim npav rho nyiaj tuaj yeem txo cov nqi qiv nyiaj. Palmer hais tias "Cov nuj nqis ntawd tau npaj siab yuav kim dua nrog txhua tus nqi nce, yog li yog tias koj tsis tuaj yeem them nws tawm, nws tsim nyog xav txog kev rov qab them nyiaj nrog daim npav rho nyiaj lossis qiv qiv nyiaj nrog tus nqi qis dua," Palmer hais. (Saib cov nqi qis tshaj uas koj tuaj yeem tau txais ntawm tus kheej qiv ntawm no.)
Khaws koj qhov kev xav mus sij hawm ntev
Txawm hais tias tej yam xws li Fed tus nqi nce siab tuaj yeem ua rau muaj kev ntshai, cov tub ua lag luam yuav tsum muaj txoj kev npaj mus sij hawm ntev nyob rau hauv qhov chaw thiab tsis txhob ua pob khaus. "Qhov no tau yog, thiab yuav txuas ntxiv mus, xyoo tsis hloov pauv rau kev lag luam nyiaj txiag. Nws yog ib qho tseem ceeb rau cov tub ua lag luam kom tswj hwm lawv txoj kev xav mus sij hawm ntev, lawv cov peev txheej tsis tu ncua thiab tiv thaiv qhov kev xav ua lag luam wholesale hloov pauv rau lawv cov ntaub ntawv hauv lub ntsej muag ntawm volatility. Qhov nce volatility yog luv luv, tab sis koj lub qab ntug peev yog lub sij hawm ntev dua, "hais tias Greg McBride, tus thawj kws tshuaj ntsuam nyiaj txiag ntawm Bankrate.
Uas tau hais tias, nws yog OK los saib rau hauv koj cov ntaub ntawv thiab ua tweaks, tsuav yog nws tsis upend koj lub tswv yim: "Tshawb xyuas koj cov peev thiab nyiaj laus cov ntaub ntawv kom paub tseeb tias koj cov cuab tam faib ntawm cov stocks thiab bonds match koj kam rau ua rau kev pheej hmoo yuav muab rau koj. kev thaj yeeb ntawm lub siab xav tau kom nyob twj ywm thaum lub sijhawm ua lag luam tsis hloov pauv, "hais tias James S. Gladney, tus thawj coj thiab CEO ntawm Liberty Wealth Advisors.
Xav sab nraum lub thawv
Nyob rau hauv ib puag ncig tus nqi nce, cov neeg siv khoom yuav xav xav txog lwm yam cuab yeej cuab tam chav kawm kom ua rau muaj kev cuam tshuam ntawm kev lag luam volatility thiab tsim cov nyiaj tau los raws li lawv tseem xav tau nyiaj hauv lub sijhawm nyuaj, qee tus hais. Rau Lorenzo Esparza, CEO ntawm Manhattan West, LA-raws li kev lag luam peev, uas txhais tau hais tias cov nuj nqis ntiag tug, uas nws hu ua "cov cuab yeej cuab tam tseem ceeb hauv qhov xwm txheej no" ntxiv tias: "Kev sib kis ntawm 10-xyoo kev tuav pov hwm thiab cov nuj nqis ntiag tug feem ntau. expands es compresses. Cov neeg ua lag luam tuaj yeem tau txais txiaj ntsig zoo dua, zoo dua cov khoom lag luam thiab kev nce nqi txawm tias kev nce nqi nce siab, thaum tswj hwm tus thawj tswj hwm kev tiv thaiv.
Lwm tus muaj kev xav sib txawv ntawm qhov yuav nqis peev rau tam sim no. Koj tuaj yeem pom dab tsi lwm tus kws tshaj lij pom zoo ua lag luam thaum lub sijhawm muaj kev nce nqi siab no.
Tau qhov twg los: https://www.marketwatch.com/picks/fed-issued-its-biggest-rate-hike-in-22-years-this-week-4-things-to-do-with-your-money- now-that-interest-rates-are-rising-01651857447?siteid=yhoof2&yptr=yahoo