'ពួកគេបន្តឡើង។' គណនីសន្សំជាច្រើនឥឡូវនេះកំពុងបង់លើសពី 4% ។ តើដល់ពេលត្រូវបោះបង់ចោលធនាគារបច្ចុប្បន្នរបស់អ្នកហើយឬនៅ?

Despite the Fed raising rates multiple times over the past year, most financial institutions are still paying a paltry amount on their savings accounts. But there are very notable exceptions that pros say are worth a look right now. “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. (អ្នកអាចឃើញអត្រាគណនីសន្សំខ្ពស់បំផុតដែលអ្នកអាចទទួលបានឥឡូវនេះនៅទីនេះ។)

Americans haven’t seen yields like this in nearly 15 years, pros say: “With interest rates rising, the most competitive savings accounts offer yields last seen in 2009, and they continue to climb,” says McBride. That said, your average bank isn’t paying much, as we showcase below.

The latest savings rates

Below are the latest average rates on savings accounts, according to data from Bankrate from February 8.

តើអ្នកត្រូវការប្រាក់សន្សំប៉ុន្មាន?

There’s no magic number, but 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. នៅទីនេះ what both Dave Ramsey and Suze Orman say you should have in your emergency fund.

As for where to put that money, McBride says, “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.” អ្នកអាចឃើញអត្រាគណនីសន្សំខ្ពស់បំផុតដែលអ្នកអាចទទួលបានឥឡូវនេះនៅទីនេះ។

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 6 months, or taking a vacation in the near future. And of course, you’ll want to be saving and investing for retirement.

Where to put your money: Savings account vs. MMAs

Experts generally agree that you should put your emergency fund money somewhere safe, like a high-yield savings account or a money market account.

The perks of savings accounts are plentiful, but some of the biggest include flexibility, ease of saving, earning interest and knowing your money is protected. There can be drawbacks of having your money in high-yield savings accounts too, like fees when you’ve exceeded the maximum number of withdrawals in a month. And in the long run, these accounts aren’t ideal for all of your savings because they don’t pay as much interest as some other vehicles and investments. 

Another account-type to consider is a money market account (MMA); they’re savings accounts that have debiting and check-writing abilities accompanied by higher interest rates than traditional savings accounts. MMAs frequently have higher minimum balance requirements and usually have subpar interest rates compared to high-yield savings accounts. But if having the option to spend directly from a savings account is something that’s important for you, a MMA offers decent rates with the flexibility of writing checks or using a debit card attached to the account.

អ្វីដែលត្រូវដឹងមុនពេលបើក MMA ឬគណនីសន្សំ 

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​»​។ (អ្នកអាចឃើញអត្រាគណនីសន្សំខ្ពស់បំផុតដែលអ្នកអាចទទួលបានឥឡូវនេះនៅទីនេះ។)

Before opening a MMA, make sure you’re able to meet the minimum balance requirement. You should also compare the interest rate with that of a traditional savings account and a high-yield savings account to make sure you’re getting the most bang for your buck.

McBride ក៏ផ្តល់អនុសាសន៍ឱ្យអានការបោះពុម្ពដ៏ល្អ និងកត់សម្គាល់ពីដែនកំណត់សមតុល្យលើការទទួលបានទិន្នផលខ្ពស់ ការដាក់ប្រាក់ដោយផ្ទាល់ ឬតម្រូវការប្រតិបត្តិការប្រចាំខែដើម្បីទទួលបានទិន្នផលនោះ និងការកំណត់ភូមិសាស្ត្រ ឬតម្រូវការសមាជិកភាព។