Earning interest on the money you save can provide a big financial boost. Get the basics from our financial expert.

ByRoxanna Coldiron
2月17日,2021年
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信用:盖蒂图像/ Thitiphat Khuankaew / Eyeem

Saving money is a simple and smart strategy for building personal wealth, but what if you could把你的储蓄at a faster rate? That's where interest-bearing accounts come into play. "Interest-bearing accounts help you earn interest because the bank is paying you interest (money) based on your account balance. One of the most significant benefits is that this money is separated from your day-to-day spending account," explains Brian Hamilton, CEO ofOne。"You'll be able to keep it off to the side, accruing interest versus being tempted to or unintentionally spending it. It's also a great way to build up a rainy day or紧急的乐趣d对于那些意外的费用。任何聪明的投资者都会告诉你,复合原则至关重要建立财富。“

Here, we explain the best places to save your money and earn interest.

目前的利率

虽然一些储蓄账户可能具有利率,但并非所有息息账户都将是平等的或您需要的符合您的财务目标。了解当前的利率可以帮助您比较账户。大多数大型银行目前的年百分比产量(APY)为0.6%。APY收益也将复制或添加到您的帐户余额。所以,想到它赚一点钱在您被置于帐户中的资金之上。这是一段时间内赚钱的一种简单方法。

"When compared to传统银行利率,一个人将它们吹出水中,“汉密尔顿说。”一个[优惠]在自动保存口袋里的3.00%的猿,在保存口袋里有1.00%的猿。我们能够提供这种辉煌的储蓄率,因为我们没有传统的支架,即砖和迫击炮银行拥有,因为它是我们帮助人民的使命的核心build financial wellness。“So, when looking for a place to省下你的钱,确保将账户的利率进行比较。更高的利率或猿,可以增加您的储蓄。

战略和账户

Two things need to be considered when looking at interest-bearing accounts for savings: How soon will you need to be able to access the money and how easily你能撤回钱吗?when you need it? Long-term accounts like certificates of deposit (CDs) can't be withdrawn whenever you want because they have term limits, but a high-yield checking or savings account can be liquidated quickly当你有紧急情况or reach your savings goal. Retirement accounts are also a good way to save money but remember that you can't access the funds without penalties until you have reached a certain age.

Another thing to look for is automation. "While millions of Americans have been with their bank for years,2021年是移动你的钱的一年to places that offer dramatically higher interest rates and much more intuitive ways to save. When looking to build savings, automation is critical," says Hamilton. "There are a number of new banks that have automatic or built-in functionality that works in two ways—rounding up every purchase and depositing a few extra cents or dollars in your saving account, or automatically taking apercentage of your direct-deposited income并将其放在节省中。做出选择拯救需要努力,而自动保存简化了东西并消除了很多繁重的举重。“然后,你所要做的就是比较利率,并选择最有利于你的利率。

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