Hvornår er det godt at købe Certificate of Deposit (indskudsbevis)?

Indholdet af InvestorsOrbit er udarbejdet med det formål at give en generel introduktion til finansielle produkter. InvestorsOrbit kan ikke erstatte finansiel rådgivning og kan hverken anses for at være et tilbud om at yde finansiel rådgivning eller et tilbud om nogen anden rådgivning eller service. Investorer opfordres til at kontakte egen investeringsrådgiver for individuel information om eventuel investering, skatteforhold med videre.

Indskudsbeviser er nyttige i et par forskellige situationer. Måske har du kontanter, som du ikke har brug for nu, men vil ønske dig inden for de næste par år – måske til en særlig ferie eller til at købe et nyt hjem, bil eller båd. Til sådanne anvendelser på kort sigt betragtes aktiemarkedet generelt ikke som en passende investering, da du kunne tabe penge over det tidsrum.

Eller måske vil du blot have en del af dine opsparinger investeret meget konservativt, eller afskaff risikoen og volatiliteten på aktie- og obligationsmarkederne helt. Selvom cd’er ikke tilbyder vækstpotentialet for aktie- eller gældsinvesteringer, er de heller ikke med til risiko for nedgang. For penge, som du absolut vil sikre, vil vokse i værdi, selv hvis det er beskedent, kan indskudsbeviser passe regningen.

En af ulemperne med CD’er kan også være en nyttig funktion for nogle sparere. For dem, der bekymrer sig, vil de ikke have disciplinen til at undgå at trykke på deres opsparing, en CD-tidsbegrænsning – og den tilhørende straf for hurtig tilbagetrækning – udgør en afskrækkende virkning for at bruge, som regelmæssige opsparing og pengemarkedsregnskaber ikke gør.

Et tidspunkt, hvor ovenstående kunne være relevant, ville være at bruge et CD til en nødfond. Dette giver dig mulighed for at sikre, at du altid har tilstrækkelige reserver til rådighed i en nødsituation, da værdien på CD’en aldrig vil falde. Selvom du muligvis pålægges en straf, hvis du tidligt skal dyppe ned i dine midler, er tanken, at du kun ville gøre dette i en rigtig nødsituation, ikke af mindre- og fristende grunde. Hele tiden tjener du et bedre afkast, mens pengene investeres, end hvis du havde deponeret dem på en sparekonto eller pengemarkedskonto.

Fordele

  • Tilbyder en højere sats, end du kan tjene med en opsparing- eller pengemarkedskonto
  • Betaler en garanteret, forudsigelig afkast, idet man undgår volatilitet og tab, der er mulige med aktier og obligationer
  • Kan hjælpe med at afværge fristelser til forbrug, da tilbagetrækning af midlerne tidligt udløser en straf

Ulemper

  • Kan ikke likvideres før modenhed uden at pålægge en tidlig tilbagetrækningsstraf
  • Tjener typisk mindre, end aktier og obligationer kan over tid
  • Optjener en fast afkastrente uanset om renten stiger i løbet af løbetiden

Hvor kan jeg købe indskudsbevis (CD)?

Næsten hver bank og kreditforening tilbyder mindst et indskudscertifikat, og de fleste har et bredt udbud af vilkår, der tilbydes. Så det er formodentligt ikke kun er din gængse lokalbank, det er også enhvers banker eller kreditforening i landet.

Derudover kan du åbne CD’er gennem din mæglerkonto. Kort fortalt er dette også bankcertifikater. Dit mæglerfirma fungerer simpelthen som mellemmand.

Hvorfor det er vigtigt at indhente flere tilbud

Før internettet var valget mellem indskudsbeviser (CD) mere begrænset. Med eksplosionen af ​​online-renteindkøb, plus spredning af internetbanker – og traditionelle banker, som åbner onlineportaler – er antallet af CD’er, man kan overveje, steget enorm. Det er nu muligt at købe CD’er fra internettet samt åbne en konto online eller via mailen.

Som vi nævnt (i vores artikel ”Hvad er et CD”), kan udvalget af CD-priser på tværs af disse forskellige institutioner dog variere vidt. Det er en fejltagelse bare at åbne en CD i banken, hvor du allerede har et kontrolforhold uden at undersøge, hvordan dens priser sammenlignes med dem, du kan tjene andre steder.

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