最适合2024年的几种存款方式(CD, T-bills, MMF)，分别有什么优缺点？第335期
1. CD：CD的利率一般高于普通储蓄账户，但在存款到期之前需要取出资金会有罚金。目前因为美联储可能降息，两年期和三年期的利率反而没有半年、九个月或一年的利率高。Penalty-free CD：与CD不同，提前取出存款没有罚金。但其利率通常比同银行的正常CD低一些。
2. Treasury Bills：购买国库券需要有社安号，其优点是利息没有州税和地方税。对于州收入所得税较高的人来说非常有利。但它要求在treasury direct里保留45天才能转移到brokerage account里面。
3. Money Market Fund：这种基金可以随时变现，其优点是流动性好且对标savings一般有优势。但它不受保险25万上限保护且发放的dividend并不能享受税率优惠。
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大家好！“美国退休账户详解” （All About Retirement Accounts）这套课程终于上线啦！被大家呼吁了2年多，我终于克服了拖延症把这套课程做出来啦！
购买链接如下：

别忘了用 coupon code “Savings”，获取50%的折扣！

这套课程分40个小节，涉及了美国常见退休账户的方方面面。有基础知识，比如401K和IRA的区别，Backdoor IRA如何操作；也有实操中常见的细节问题，例如Roth IRA存多了怎么办？留学生要回国了401K怎么办？Backdoor操作的时候被扣税了怎么办？
内容以我频道里的原视频为骨架，补充了视频没有的知识点，整合加工完成。我在整套课程里有意地把知识点串联梳理起来，由浅入深、系统地呈现给大家。作比较、列数据、讲实操、作总结，同一个知识点在不同场合反复出现，我就从不同的角度反复地说它。保证你在看完这套课程之后能把之前一些似懂非懂模模糊糊的概念全部吃的透透的。（第315期“Mega Backdoor”就是课程的节选，想要了解课程风格的朋友欢迎试听第315期）
每一个必要的场合都配了例子，每个例子都配了数字。该有的图表，分析等等都给它配起来。涉及计算的时候拿数字说话，还融合了原频留言区的观众留言（有观众提的好问题也有有价值的补充）。
我对这套课程的内容非常有信心，希望能够帮到有需要的朋友！

购买链接如下：

别忘了用 coupon code “Savings”，获取50%的折扣！

大纲如下：
前言
1. 401K
1.1 什么是401K
1.2. How does 401K plans Work
1.3. Contributing to a 401K
1.4. How does a 401K make money
1.5. Withdrawals from 401K
1.6. 离职之后401K 的match问题
1.7. 离职之后401K怎么处理
1.8 Roth 401K里面雇主match的钱是税前的还是税后的
1.9. 401K Loan
1.10. Traditional 401K Vs. Roth 401K

2. 回国之后退休账户怎么办？
3. IRA
3.1. IRA 简介
3.2. 什么是Earned income
3.3. IRA 有什么优点
3.4. IRA有什么缺点和限制
3.5. 未来的税率问题
3.6. Roth IRA简介
3.7. 什么是税前的钱？什么是税后的钱？
3.8. RMD (Required Minimum Distribution)
3.9. 如何在IRA账户中做短线交易？
4. Roth IRA
4.1. Roth IRA简介和Roth IRA与传统IRA相同的地方
4.2. Roth IRA 和IRA不同的地方
4.3. 从Roth IRA中取款的问题
4.4. Roth IRA 不qualified怎么办
4.5. 什么是recharacterization
5. Backdoor IRA
5.1. Backdoor IRA
5.2. 传统IRA里面既有税前的钱又有税后的钱
5.3. 传统IRA mixed，避税方法
5.4. backdoor IRA 8606
5.5. 股票跌了？为什么不抓住这个机会做Backdoor IRA？
5.6. Backdoor IRA不要用roll over的钱交税
5.7. Mega Backdoor Roth Strategy
6. 美国税法中的“收入”
6.1. 美国税法中的“收入” – 简介
6.2. 美国税法中的“收入” – Gross Income
6.3. 美国税法中的“收入” – AGI
6.4. 美国税法中的“收入” – Taxable Income
6.5. 美国税法上常见的几种收入- MAGI
6.6. 401K Deduction
7. Self-Directed IRA
8. 孩子的退休账户
8.1. 给孩子开Roth IRA
8.2. 529计划可以转成Roth IRA
9. 结束语
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大家好！欢迎通过如下链接加入会员“谈钱也谈情”(Money & Life)：会员福利包括会员专属视频、频道更新等等。谢谢大家的支持和鼓励！

如果您想“和我一起来谈钱”，欢迎写电邮到 AskWei@chattymoney.com 来信请在标题注明“访谈”。正文内容请大致介绍您在哪方面有心得体会/经验教训/投资机会/理财历程，或其它一切跟钱有关系的有趣有料的话题。

如果您想帮我把频道做的更好，欢迎点击如下链接打赏/One time Donation – Thank you!
…(read more)

LEARN MORE ABOUT: IRA Accounts

TRANSFER IRA TO GOLD: Gold IRA Account

TRANSFER IRA TO SILVER: Silver IRA Account

REVEALED: Best Gold Backed IRA

The Most Suitable Deposit Methods for 2024 (CD, T-bills, MMF): Advantages and Disadvantages

In 2024, with the ever-increasing volatility of financial markets, it’s important for individuals to explore different deposit methods to secure their savings. In this article, we will discuss the most suitable deposit methods for 2024, including Certificate of Deposit (CD), Treasury Bills (T-bills), and Money Market Funds (MMF), and their respective advantages and disadvantages.

Certificate of Deposit (CD):

CDs are time deposits offered by banks and credit unions, with fixed interest rates and maturity dates. They are a popular choice for individuals looking to save money for a specific period of time.

Advantages:
1. Security: CDs are insured by the FDIC or NCUA, making them a safe investment.
2. Fixed interest rates: With CDs, individuals can lock in a specific interest rate for the duration of the term, providing predictability and stability.
3. Higher interest rates: CDs typically offer higher interest rates compared to savings accounts.

Disadvantages:
1. Limited access to funds: Withdrawal of funds before the maturity date can result in penalties.
2. Inflation risk: In times of high inflation, the fixed interest rate of a CD may not keep up with rising prices.
3. Opportunity cost: Funds locked in a CD may prevent individuals from taking advantage of higher interest rates or investment opportunities.

Treasury Bills (T-bills):

T-bills are short-term government securities with maturities ranging from a few days to one year. They are considered one of the safest investments available.

Advantages:
1. Safety: T-bills are backed by the U.S. government, making them a low-risk investment.
2. Liquidity: T-bills can be easily bought and sold in the secondary market, providing flexibility for investors.
3. Competitive yields: T-bills typically offer higher yields compared to CDs and savings accounts.

Disadvantages:
1. Low interest rates: While T-bills are relatively secure, they may not offer high returns compared to other investment options.
2. Inflation risk: Similar to CDs, T-bills can be affected by inflation, potentially eroding the purchasing power of the investment.
3. Interest rate risk: If interest rates rise, the value of existing T-bills may decline in the secondary market.

Money Market Funds (MMF):

MMFs are open-ended mutual funds that invest in short-term, high-quality securities such as Treasury bills and commercial paper.

Advantages:
1. Diversification: MMFs offer a diversified portfolio of short-term securities, reducing overall risk.
2. Liquidity: MMFs provide easy access to funds, allowing investors to write checks or make electronic transfers.
3. Competitive yields: MMFs aim to provide higher yields compared to traditional savings accounts.

Disadvantages:
1. Potential for loss: While MMFs strive to maintain a stable net asset value (NAV), there is still a risk of loss in the event of a market downturn.
2. Fees and expenses: MMFs may charge management fees and expenses, which can reduce overall returns.
3. Regulatory changes: Changes in regulations governing MMFs can impact their stability and yields.

In conclusion, each deposit method has its own set of advantages and disadvantages, and the most suitable choice for 2024 will depend on individual financial goals and risk tolerance. It’s important for individuals to carefully consider and weigh the features of each option before making a decision on where to allocate their savings.