ទទួលបានប្រាក់ធានា 4% ដោយមិនមានប្រាក់កក់អប្បបរមា? គណនីសន្សំទាំងនេះផ្ដល់ជូន។

“The top-yielding, nationally available savings accounts are paying above 4%, and banks are still very much in the mode of increasing their payouts. Not only are these accounts available nationwide, but many of the accounts yielding above 4% require no minimum deposit, so they’re literally available to everyone” says Greg McBride, chief financial analyst at Bankrate.  (មើលអត្រាគណនីសន្សំដ៏ល្អបំផុតដែលអ្នកអាចទទួលបានឥឡូវនេះនៅទីនេះ).

នៅទីនេះ are some of the top-paying high-yield savings accounts now, and many have no minimum or a very low one (like $1).

អត្រាសន្សំថ្ងៃនេះ

While you can score choice rates on some high-yield savings accounts, most savings accounts and MMAs aren’t paying that well. Below are the latest average rates on savings accounts, according to data from Bankrate released on January 25. And then we chat with experts about how much you should be saving (yes, even in this high-inflation environment), where to put the money, and more. 

គណនី	អត្រាជាមធ្យមត្រូវបានបង់
គណនីទីផ្សារប្រាក់	0.38%
សន្សំ ១០ ម៉ឺនដុល្លារ	0.22%
សន្សំ ១០ ម៉ឺនដុល្លារ	0.46%
សន្សំ ១០ ម៉ឺនដុល្លារ	0.47%
គណនីសន្សំដែលផ្តល់ទិន្នផលខ្ពស់។	0.83%

តើអ្នកត្រូវការប្រាក់សន្សំប៉ុន្មាន?

Even in periods of high inflation, you need an emergency fund in the event of, well, an emergency like a job loss or an urgent car repair. And while there’s no exact number of how much savings you need, pros generally recommend keeping anywhere from 3-12 months of essential income in an emergency fund.

Factors like your age, marital status and career all play a part in exactly how much emergency savings you need. “Married couples still in their careers want between 3 and 6 months of savings, but likely closer to 6 if the income is lopsided,” says certified financial planner Curtis Crossland of Suttle Crossland Wealth Advisors. Though some may consider it excessive, some experts advise having 12 months of emergency savings. “It may only be appropriate if you’re looking to switch careers and you expect to be unemployed for a few months,” says Alvin Carlos, certified financial planner at District Capital Management. 

Where should you put it? “A high-yielding savings account is the perfect place for your emergency fund — accessible but just far enough out of reach that you’re less tempted to raid it for discretionary spending,” McBride says. មើលអត្រាគណនីសន្សំដ៏ល្អបំផុតដែលអ្នកអាចទទួលបានឥឡូវនេះនៅទីនេះ.

In addition to an emergency fund, you may also want to have additional accounts where you save for short-term goals, like buying a home in the next six months, or taking a vacation in the near future.

Where to put your money: Savings account vs MMAs

Experts unanimously agree that you should put your emergency fund money somewhere safe, like a high-yield savings account or money market account. នៅទីនេះ are some of the top-paying high-yield savings accounts now, and many have no minimum or something very low (like $1). មើលអត្រាគណនីសន្សំដ៏ល្អបំផុតដែលអ្នកអាចទទួលបានឥឡូវនេះនៅទីនេះ

There are many perks of savings accounts, but the biggest include flexibility, ease of saving, earning interest and knowing your money is protected. There can however be drawbacks of having your money in high-yield savings accounts too, like withdrawal limits that incur fees when you’ve exceeded the number of withdrawals in a month.

គណនីទីផ្សារប្រាក់ (MMAs) គឺជាគណនីសន្សំដែលមានសមត្ថភាពដកប្រាក់ និងសរសេរសែក អមដោយអត្រាការប្រាក់ខ្ពស់ជាងគណនីសន្សំបែបប្រពៃណី។ MMAs ជាញឹកញាប់មានតម្រូវការសមតុល្យអប្បបរមាខ្ពស់ជាង ហើយជាធម្មតាមានអត្រាការប្រាក់តិចតួចធៀបនឹងគណនីសន្សំដែលមានទិន្នផលខ្ពស់ ប៉ុន្តែប្រសិនបើមានជម្រើសក្នុងការចំណាយដោយផ្ទាល់ពីគណនីសន្សំគឺជាអ្វីមួយដែលសំខាន់សម្រាប់អ្នក ការប្រកួត MMA ផ្តល់អត្រាការប្រាក់សមរម្យជាមួយនឹងភាពបត់បែននៃការសរសេរ ពិនិត្យ ឬប្រើប័ណ្ណឥណពន្ធដែលភ្ជាប់ជាមួយគណនី។

What to know before opening an MMA or savings account 

មុនពេលបើកគណនីសន្សំ ត្រូវប្រាកដថាអ្នកមានការការពារការធានារ៉ាប់រងប្រាក់បញ្ញើរបស់សហព័ន្ធ ដែលអ្នកអាចបំពេញតាមតម្រូវការសមតុល្យណាមួយ ដើម្បីជៀសវាងការបង់ប្រាក់ប្រចាំខែណាមួយ ហើយអ្នកអាចទទួលបានប្រាក់ចូល និងចេញពីគណនីយ៉ាងងាយស្រួលនៅពេលចាំបាច់។ McBride និយាយ​ថា​៖ «​ជា​ញឹកញាប់ ការ​ភ្ជាប់​គណនី​ទៅ​គណនី​មូលប្បទានប័ត្រ​នៅ​ធនាគារ​បច្ចុប្បន្ន​របស់​អ្នក ឬ​សហជីព​ឥណទាន​គឺ​ជា​មធ្យោបាយ​ងាយស្រួល​ក្នុង​ការ​ផ្ទេរ​ប្រាក់​ទៅ​មក​វិញ​»​។ (មើលអត្រាគណនីសន្សំដ៏ល្អបំផុតដែលអ្នកអាចទទួលបានឥឡូវនេះនៅទីនេះ.)

មុនពេលបើក MMA ត្រូវប្រាកដថាអ្នកអាចបំពេញតាមតម្រូវការសមតុល្យអប្បបរមា និងប្រៀបធៀបអត្រាការប្រាក់ជាមួយនឹងគណនីសន្សំបែបប្រពៃណី និងគណនីសន្សំដែលមានទិន្នផលខ្ពស់ ដើម្បីប្រាកដថាអ្នកទទួលបានផលចំណេញច្រើនបំផុតសម្រាប់អ្នក។

McBride also recommends reading the fine print and taking note of any balance limitations on earning a higher yield, any direct deposit or monthly transaction requirements to earn that yield and any geographic limitations or membership requirements. “Make sure you’re dealing directly with a regulated, federally-insured financial institution and not a third-party solution,” says McBride.

អនាគតនៃអត្រាសន្សំ

One thing McBride says we can expect from the February 1 Federal Reserve meeting is another rate hike. “This will sustain the push toward higher yields so we’ll see banks continuing to increase yields, with the top-yielding, nationally available accounts moving above 4.5% in short order,” says McBride.

Without a crystal ball, it’s impossible to say exactly where interest rates will go, but with rate hikes potentially looming on the horizon, savers can expect an improvement in returns for savings accounts particularly at online banks, smaller community banks and credit unions. “We haven’t seen the peak in savings account yields. There will continue to be upward momentum with the Fed’s rate hikes ongoing,” says McBride.