Paano Pumili ng Tamang Savings Accounts?
Pumili ng savings na bagay sayo! Alamin ang iba’t ibang savings accounts na pwede mong gamitin at ang mga benefits nila.
SHARE THIS
Saan nakalagay ang savings mo? Sa alkansya, kabinet o sa ilalim ng kutson parin ba? If yes, we won’t judge!
Pero, hindi ideal ang pagtatago ng savings sa bahay. Kapag nasa bahay, pwede siya magastos, manakaw, o mawala. Overtime, bumababa rin ang value niya dahil sa inflation.
Sa dami ng savings accounts out there, mapipilitan ka talagang mag-research to find the best one for you.
Aralin ang mga sumusunod na madalas gamitin ng mga bangko bago mag-sign up:
Recommended for: first-timers, tech-savvy savers, at depositors na gustong kumita agad mula sa kanilang savings
Online savings accounts are offered by digital banks. From registration to withdrawal, lahat ng account management ay via online o mobile banking. Dahil kaunti lang ang kanilang operating expenses tulad ng rent at manpower, they can offer higher interest rates than traditional banks.
For first-time savers na nagde-develop pa lang ng saving habits, ideal ang online savings accounts. Walang charges o fees kung hirap kang mag-deposit regularly. Isang magandang halimbawa nito ay ang GSave sa GCash app.
Pros
Cons
Recommended for: account holders who prefer physical bank branches, at depositors na hindi concern ang pagkakaroon ng mataas na interest rate
Ito ang savings accounts from traditional local banks. Their average interest rates are around 0.1%-1%. Compared sa online savings, regular savings accounts are strict with fees pagdating sa maintaining balance at excess withdrawals.
Mas marami rin silang requirements to open an account. These are usually two valid IDs, proof of residence at income, at initial deposit.
Bagay ang regular savings accounts sa depositors na mas gustong mag-transact sa bank branches. However, most local banks now offer mobile at online banking. Mas madali rin ma-access ang funds from regular savings accounts na may ATM cards.
Pros
Cons
Recommended for: depositors na hindi kailangan mag-withdraw any time soon
Time deposit accounts are accounts na mataas ang interest pero may lock-in period. Depending sa pinili mong time frame, you need to maintain your money sa account for 30 days, 60 days, 180 days, o 1-7 years. May malaking penalty din ang early withdrawals.
Pros
Cons
Recommended for: depositors na may specific goal na pinag-iipunan
Specialty savings accounts are designed for specific goals. Some examples are savings accounts for kids, OFWs, college funds, o property downpayment. Maraming special features ang mga ito na hindi available sa regular savings account. Some of them have low initial deposits, free insurance, o automated transfers.
Pros
Cons
In summary, choose an account that fits your saving habits, immediate needs, and saving goals! Kapag may savings account ka na, mas madali mong mabi-build ang habit of saving.
Ngayong marunong ka na magsave, ang next step ng iyong investment journey ay Investing 101! Dito mo matututunan kung ano ang investing at paano nito mapalalago ang iyong pera!
