了解联邦存款保险公司保险

It's natural to wonder exactly how a bank safeguards your money. 幸运的是, 联邦存款保险公司(联邦存款保险公司)保险的存在就是为了这个原因:帮助保护你的存款. 继续往下读，探索联邦存款保险公司保险的目的，它是如何运作的，以及它涵盖了什么.

什么是联邦存款保险公司保险?

联邦存款保险公司是一个独立的政府机构，它帮助保护银行存款人，使其在联邦存款保险公司承保的银行中没有保险的存款免受损失. This organization oversees 联邦存款保险公司 deposit insurance, 如果联邦存款保险公司承保的机构倒闭，它会为银行客户提供一些保护. In other words, 联邦存款保险公司 insures your money at the bank up to certain limits.

A bank failure is an unlikely situation, but it does happen. When this occurs, the 联邦存款保险公司 provides depositors with an insurance payout. 每家机构对每个账户所有权类别的每位存款人最高可支付25万美元. When two banks failed in Q1 2023, regulators took steps above and beyond the $250,000美元的限额以保护存款.^1,2

Remember that if your bank is an 联邦存款保险公司-insured institution, you don't need to apply for 联邦存款保险公司 insurance because coverage is automatic.

联邦存款保险公司保险的目的

联邦存款保险公司为每位储户提供最高25万美元的传统存款账户保险. These traditional deposit accounts include the following:

• 支票账户
• 储蓄账户
• 存单(cd)
• 钱 market bank deposit accounts
• Prepaid cards (assuming they meet all 联邦存款保险公司 requirements)

Certificates of deposit (CD) are time deposits offered by banks, 储蓄机构, 还有信用合作社. 它们可能比传统的银行储蓄或支票账户提供略高的回报, but they may also require a higher deposit amount. 如果你在定期存单到期前卖出，你可能会受到处罚.

Bank savings accounts and CDs generally provide a fixed return, whereas the value of money market funds can fluctuate. 货币市场基金是一种寻求将你的投资价值保持在1美元的投资基金.00美元一股. 然而, it’s possible to lose money by investing in a money market fund.

除了, 联邦存款保险公司还为退休账户提供保险，计划参与者有权决定如何投资, 包括:

• Traditional or Roth Individual 退休 Accounts (IRA) savings accounts
• 401(k)s or other self-directed defined contribution plans
• 第457条递延补偿计划帐户，不论是否自行管理

联邦存款保险公司也可以为非自我导向的雇员福利计划投保，例如养老金计划.

一旦你到了73岁, 在大多数情况下，您必须从传统IRA中获得所需的最低分配. Withdrawals from Traditional IRAs are taxed as ordinary income and, 如果在59岁半之前服用, may be subject to a 10% federal income tax penalty.

罗斯个人退休账户的分配必须满足5年的持有要求，并在59岁半之后进行，才有资格获得免税和免罚款的收入提取. 人们可以在某些其他情况下提取这些钱，比如所有者死亡. 原来的罗斯个人退休账户持有人不需要每年最低提款.

一旦你到了73岁, you must take the required minimum distributions from your 401(k), 403(b), 457年计划, or other defined-contribution plans in most circumstances. 固定缴款计划的提款按普通收入征税, 如果在59岁半之前服用, may be subject to a 10% federal income tax penalty.

联邦存款保险公司保险限制

现在我们了解了联邦存款保险公司的保险范围，让我们再看看它不包括的范围. The 联邦存款保险公司 states that it does not cover the following:³

• 股票
• 债券
• 共同基金
• 人寿保险单
• 年金
• 市政证券
• Safety deposit boxes or their contents
• US Treasury bills, bonds, or notes

股票价格的回报和本金价值会随着市场情况的变化而波动. And shares, when sold, may be worth more or less than their original cost.

The market value of a bond will fluctuate with changes in interest rates. As rates rise, the value of existing bonds typically falls. If an investor sells a bond before maturity, it may be worth more or less than the initial purchase price. 通过持有债券直至到期, 投资者将收到到期的利息加上你的原始本金, 禁止发行人违约.

共同基金 are sold only by prospectus. 请在投资前仔细考虑各项收费、风险、费用及投资目标. 你的金融专业人员可以获得一份包含这些信息和其他投资公司信息的招股说明书. Please read it carefully before you invest or send money.

Several factors will affect the cost and availability of life insurance, 包括年龄, 健康, and the type and amount of insurance purchased. 人寿保险单有费用，包括死亡和其他费用. If one surrenders a policy prematurely, 保单持有人还可能支付退保费并涉及所得税. 在实施人寿保险策略之前，考虑一下你是否可以投保. 任何与保单相关的保证都取决于开证保险公司继续支付索赔的能力.

年金 have contract limitations, 费用, 和费用, including account and administrative 费用, underlying investment management 费用, 死亡率和费用, 和费用 for optional benefits. 大多数年金都有退保费，如果你在年金合同的头几年取出钱，通常退保费最高. Withdrawals and income payments are taxed as ordinary income. If, 59岁半以前, 有人提款, a 10% federal income tax penalty may apply (unless an exception applies). 年金合同的担保取决于发行公司的赔付能力.

Municipal bonds are subject to various risks, including adjustments in interest rates, 调用风险, 市场状况, 违约风险. Certain municipal bonds may be difficult to sell. 市政债券发行人可能无法支付利息或本金, leading to the issuer defaulting on the bond. If this occurs, the municipal bond may have little or no value. If one purchases a bond at a premium, it may result in realized losses. 因此，市政债券的利息可能在购买后征税.

Municipal bonds are free of federal income tax. 对于居住在债券发行地区的投资者来说，市政债券也可以免征州和地方所得税. 如果债券持有人购买市政债券基金的一部分，该基金投资于其他州发行的债券, the bondholder may have to pay income taxes.

The federal government guarantees U.S. Treasury bonds, bills, and notes on timely principal and interest payments. 然而, if you sell a Treasury before maturity, it may be worth more or less than the original price paid.

联邦存款保险公司保险与您

如上所述, 联邦存款保险公司提供最高250美元的保险,000 for a single or joint account per depositor; This means that you can have either one account or multiple accounts at the same bank, 但只要250美元,000人可以投保.

But some strategies may enhance your coverage. 假设, 您可以设立一个可撤销信托，并确定一个或多个受益人，以可能增加您的保险范围. Each beneficiary may receive $250,000 of coverage. 例如, 一个可撤销的信托账户，一个所有者指定三个独特的受益人，可以为自己提供高达750美元的保险,000.⁴

Remember, using a trust involves complex tax rules and regulations. Before moving forward with a trust, 考虑与熟悉规章制度的专业人士合作.

1. 联邦存款保险公司.2023年3月1日
2. FoxBusiness.2023年3月12日
3. 联邦存款保险公司.2023年3月1日
4. 联邦存款保险公司.2023年3月1日

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