Anda di halaman 1dari 3



3ULQWOHWKDOPLVWDNHVIRUUHDOHVWDWHLQYHVWRUV

DGYHUWLVHPHQW

Today's Mortgage Rates

2.97% APR

30-Year Fixed

3.75%

3.83% APR

ARM

5($/(67$7(

OHWKDOPLVWDNHVIRUUHDOHVWDWHLQYHVWRUV
%\3DW&XUU\%DQNUDWHFRP



2QFHWKHPDUNHWVWDUWVWRUHERXQGLQYHVWLQJLQUHDOSURSHUW\DOVREHFRPHVDPRUHDSSHDOLQJLGHDHLWKHUDV
DFDUHHURUDJUHDWVLGHMRE/LNHDQ\RWKHUHQGHDYRUWKRXJKWKHUH
VDULJKWZD\DQGDZURQJZD\WRJRDERXW
LW
%DQNUDWHVSRNHZLWKHVWDEOLVKHGIXOOWLPHUHDOHVWDWHLQYHVWRUVDQGZLWKSURIHVVLRQDOVVXFKDVEDQNHUVWR
LGHQWLI\WKHW\SHVRIWUDSVLQWRZKLFKUHDOHVWDWHLQYHVWRUVPRVWRIWHQIDOO

OHWKDOLQYHVWRUPLVWDNHV
+HUH
VWKHLUFRQVHQVXVRQRIWKHPRVWOHWKDOPLVVWHSV
 3ODQQLQJDV\RXJR
 7KLQNLQJ\RX
OOJHWULFKTXLFN
 3OD\LQJ/RQH5DQJHU
 3D\LQJWRRPXFK
 6NLSSLQJKRPHZRUN
 'XFNLQJGXHGLOLJHQFH
 0LVMXGJLQJFDVKIORZ
 /RZHULQJWKHYROXPH
 3DLQWLQJ\RXUVHOILQWRDFRUQHU
 0LVFDOFXODWLQJHVWLPDWHV

3ODQQLQJDV\RXJR$QG\+HOOHUDQ$WODQWDEDVHGLQYHVWRUDQGFRDXWKRURI%X\(YHQ/RZHU7KH
5HJXODU3HRSOH
V*XLGHWR5HDO(VWDWH5LFKHVVD\VODFNRIDSODQLVWKHELJJHVWPLVWDNHKHVHHVQHZ
LQYHVWRUVPDNH7KH\EX\DKRXVHEHFDXVHWKH\WKLQNWKH\JRWDJRRGGHDODQGWKHQWU\WRILJXUHRXWZKDWWR
GRZLWKLW7KDW
VZRUNLQJEDFNZDUG+HOOHUVD\V)LUVW\RXILQGWKHSODQKHVD\V7KHQ\RXILQGWKHKRXVHWR
ILWWKHSODQ3LFN\RXULQYHVWPHQWPRGHODQGWKHQJRILQGSURSHUW\WRPDWFKWKDW'RQ
WILQGWKHVWUDWHJ\DIWHU
\RXILQGWKHKRPH
7KHSUREOHPLVWKDWPRVWSHRSOHORRNDWUHDOHVWDWHDVDWUDQVDFWLRQLQVWHDGRIDVDQLQYHVWPHQWVWUDWHJ\VD\V
KWWSZZZEDQNUDWHFRPV\VWHPXWLOSULQWDVS["S ILQDQFHPRQH\JXLGHVOHWKDOPLVWDNHVIRUUHDOHVWDWHLQYHVWRUVDVS[ V EU F UHDOHVWDWH W VWRU





3ULQWOHWKDOPLVWDNHVIRUUHDOHVWDWHLQYHVWRUV

'RXJ&URZHD&KLFDJREDVHGUHDOHVWDWHLQYHVWRUDQGVSHDNHU3HRSOHIDOOLQORYHZLWKDSURSHUW\VD\V
&URZHZKRLVPDQDJLQJGLUHFWRURI6SULQJERDUG$FDGHP\WKHQDWLRQ
VRQO\UHDOHVWDWHDFDGHP\IRULQYHVWRUV
,VD\
:KRFDUHVDERXWWKHSURSHUW\"
,IDOOLQORYHZLWKDPRWLYDWHGVHOOHU
7KHQXPEHULVWKHQXPEHUDQG\RXGRQ
WJRDERYHWKDWKHVD\V7KHEHVWZD\WRVROYHWKHSUREOHPLVWR
KDYHORWVRIDFWLYLW\DQGPDNHRIIHUVRQPXOWLSOHSURSHUWLHV7KHQ\RXGRQ
WFDUHZKLFKRQH\RXJHWDVORQJ
DVWKHQXPEHUVZRUNRXWLQ\RXUIDYRU
7KLQNLQJ\RX
OOJHWULFKTXLFN7KDWNLQGRIZURQJKHDGHGWKLQNLQJLVIXHOHGE\WKHVHVHOIDSSRLQWHG
JXUXVZKRKDYHLQIRPHUFLDOVDQGPDNHLWVRXQGVRHDV\WRJHWULFKLQUHDOHVWDWHVD\V(ULF7\VRQFRDXWKRU
RI5HDO(VWDWH,QYHVWLQJIRU'XPPLHV,W
VQRWHDV\,W
VDJRRGORQJWHUPLQYHVWPHQWEXWVRLVSXWWLQJ\RXU
PRQH\LQDPXWXDOIXQGZKLFKLVDORWHDVLHU7KHVHJXUXVGRQ
WWDONDERXWDOOWKDWKDUGZRUN<RXKDYHWREH
VPDUW\RXKDYHWREHZLOOLQJWRZRUNDQG\RXKDYHWRXQGHUVWDQG\RXUULVNWROHUDQFH
3OD\LQJ/RQH5DQJHU$NH\WRVXFFHVVLVEXLOGLQJWKHULJKWWHDPRISURIHVVLRQDOV$WWKHYHU\OHDVW\RX
QHHGJRRGUHODWLRQVKLSVZLWKDWOHDVWRQHUHDOHVWDWHDJHQWDQDSSUDLVHUDKRPHLQVSHFWRUDFORVLQJDWWRUQH\
DQGDOHQGHUERWKIRU\RXURZQGHDOVDQGWRDVVLVWZLWKILQDQFLQJIRUSURVSHFWLYHEX\HUV
,QWKHUHPRGHOLQJDQGPDLQWHQDQFHVHJPHQWRIWKHEXVLQHVVWKHWHDPLQFOXGHVDSOXPEHUDQHOHFWULFLDQD
URRIHUDSDLQWHUDKHDWLQJDQGDLUFRQGLWLRQLQJRU+9$&FRQWUDFWRUDIORRULQJLQVWDOOHUDODZQPDLQWHQDQFH
VHUYLFHDFOHDQLQJVHUYLFHDQGDQDOODURXQGKDQG\PDQ<RXFDQ
WEXLOGDEXVLQHVVDVDQLQYHVWRULI\RX
UH
VSHQGLQJDOO\RXUWLPHIL[LQJOHDN\IDXFHWVDQGSXWWLQJXSFHLOLQJIDQV
3D\LQJWRRPXFK+HOOHUVD\VWKHELJJHVWUHDVRQLQYHVWRUVGRQ
WPDNHPRQH\LVVLPSOH7KH\SD\WRRPXFK
IRUWKHSURSHUWLHV7KHSURILWLVORFNHGLQLPPHGLDWHO\RQFHWKHLQYHVWRUEX\VWKHSURSHUW\KHVD\V'XHWR
PLVWDNHVLQWKHDQDO\VLVWKHLQYHVWRUSD\VWRRPXFKDQGWKHQLVVXUSULVHGODWHUZKHQKHGRHVQ
WPDNHDQ\
PRQH\
6NLSSLQJKRPHZRUN<RXZRXOGQ
WWKLQN\RX
UHTXDOLILHGWRSHUIRUPRSHQKHDUWVXUJHU\ZLWKRXW\HDUVRI
HGXFDWLRQDQGWUDLQLQJ<HWPDQ\ZDQQDEHUHDOHVWDWHLQYHVWRUVGRQ
WWKLQNWZLFHDERXWWDNLQJWKHLUILQDQFLDO
OLYHVLQWKHLUKDQGVZLWKRXWHYHQFUDFNLQJDERRN(GXFDWH\RXUVHOIEHIRUH\RXSXW\RXUIDPLO\
VILQDQFLDO
VHFXULW\RQWKHOLQH5HDGDUWLFOHVFKHFNRXWERRNVIURPWKHOLEUDU\DQGORRNIRUDORFDOFKDSWHURIWKH1DWLRQDO
5HDO(VWDWH,QYHVWRUV$VVRFLDWLRQ6SHDNHUVDWPRQWKO\PHHWLQJVFRYHUHYHU\WKLQJIURPEX\LQJIRUHFORVXUHVWR
VFUHHQLQJWHQDQWV
,I\RXFDQ
WILQGDORFDOFKDSWHUILQGRXWZKRRZQVDORWRIUHQWDOSURSHUWLHVLQWKHDUHDFDOOKLPXSDQGRIIHUWR
SD\IRUDQKRXURUWZRRIKLVWLPHWRILQGRXWZKHWKHUWKLVLVDJRRGFDUHHUIRU\RX
'XFNLQJGXHGLOLJHQFH,QYHVWRUVRIWHQKDYHWRPRYHYHU\TXLFNO\RQWKHLUGHDOV7KDWGRHVQ
WPHDQWKH\
VLJQDFRQWUDFWDQGZULWHDFKHFNZLWKRXWSOHQW\RIUHVHDUFKWKRXJK7KDW
VZKHUHDORWRIQHZELHVWULSXS
VD\V+RXVWRQEDVHGUHDOHVWDWHDJHQW/DROX'DYLHV<HPLWDQ7KH\GRQ
WGRWKHLUGXHGLOLJHQFHDERXWWKHGHDO
WKHFRVWVRUWKHPDUNHWFRQGLWLRQVDQGWKH\ZLQGXSGUDLQLQJWKHLUSHUVRQDOVDYLQJVEHFDXVHWKHKRXVHQHHGV
H[WHQVLYHUHSDLUVRUWKH\FDQ
WVHOOLW6RPHWLPHVQHZLQYHVWRUVDUHEX\LQJSURSHUW\MXVWEDVHGRQWKHLGHD
WKDWWKHSURSHUW\LVJRLQJWRDSSUHFLDWHKHVD\V8VXDOO\WKH\GRQ
WKDYHDQ\LQIRUPDWLRQWRVXEVWDQWLDWH
WKDW
0LVMXGJLQJFDVKIORZ,I\RXUVWUDWHJ\LVWREX\KROGDQGUHQWRXWSURSHUWLHV\RXQHHGVXIILFLHQWFDVKIORZ
WRFRYHUPDLQWHQDQFH3HRSOHWKLQNWKH\FDQJHWDSURSHUW\PDQDJHU7\VRQVD\V%XWPDQ\KDYHQHYHU
LQWHUYLHZHGDSURSHUW\PDQDJHUDQGKDYHOLWWOHLGHDDERXWKRZWKH\ZRUN
0RVWPDQDJHUVIRUH[DPSOHDUHUHOXFWDQWWRWDNHRQRQHVLQJOHIDPLO\KRPHRUDGXSOH[KHVD\VSUHIHUULQJ
ODUJHUFRPSOH[HVDQGIHHVRISHUFHQWWRSHUFHQWRIWKHPRQWKO\UHQWDUHFRPPRQ,W
VDKXJHH[SHQVH
7\VRQVD\V,FDQSXWP\PRQH\LQDPXWXDOIXQGDQGLWFRVWVDKDOISHUFHQWD\HDU

KWWSZZZEDQNUDWHFRPV\VWHPXWLOSULQWDVS["S ILQDQFHPRQH\JXLGHVOHWKDOPLVWDNHVIRUUHDOHVWDWHLQYHVWRUVDVS[ V EU F UHDOHVWDWH W VWRU





3ULQWOHWKDOPLVWDNHVIRUUHDOHVWDWHLQYHVWRUV

7\VRQVD\V,FDQSXWP\PRQH\LQDPXWXDOIXQGDQGLWFRVWVDKDOISHUFHQWD\HDU
'DYLHV<HPLWDQDJUHHV,W
VQRWXQFRPPRQIRUDSURSHUW\WRVLWRQWKH+RXVWRQPDUNHWIRUWRGD\V
EHIRUHLW
VOHDVHGKHVD\V0HDQZKLOHWKHRZQHUKDVWRSD\WKHPRUWJDJHWKHWD[HVWKHLQVXUDQFHWKHFRVW
RIDGYHUWLVLQJDQGKRPHRZQHURUFRQGRDVVRFLDWLRQGXHVKHVD\V,IWKHRZQHUKDVQ
WEXGJHWHGIRUWKDWDQ
DVVHWFDQTXLFNO\EHFRPHDOLDELOLW\
/RZHULQJWKHYROXPH,I\RX
UHZRUNLQJRQRQHGHDODWDWLPH&URZHVD\V\RX
UHGRLQJWUDQVDFWLRQVQRW
UXQQLQJDEXVLQHVV<RXQHHGDVWHDG\SLSHOLQHRISURVSHFWLYHGHDOVVXIILFLHQWYROXPHZLOOZHHGRXWWKH
PDUJLQDOGHDOVDQGOHWWKHJRRGRQHVULVHWRWKHWRS
3DLQWLQJ\RXUVHOILQWRDFRUQHU0DQ\SHRSOHEX\DSURSHUW\DQGJHWVWXFNZLWKLWEHFDXVHWKH\RQO\KDYH
RQHH[LWVWUDWHJ\7KH\
UHJRLQJWRVHOOLWRUWKH\
UHJRLQJWRUHQWLWRXW:KDWLILWGRHVQ
WVHOO":KDWLIWKHUHQWDO
PDUNHWVWDOOV"$OZD\VKDYHWZRLIQRWWKUHHZD\VWRJHWRXWRIDQ\GHDO)RUH[DPSOHLISODQ$LVWRUHKDEWKH
KRXVHSXWLWRQWKHPDUNHWDQGUHVHOOLWWKHQSODQ%FRXOGEHWRRIIHUDOHDVHSXUFKDVHWRDEX\HU3ODQ&
PLJKWEHWRKROGWKHKRXVHDQGUHQWLWRXW$QGDVDSODQ'WKHUHLVWKHZKROHVDOHRSWLRQZKLFKZRXOGLQYROYH
VHOOLQJWRDQRWKHULQYHVWRUDWDEHORZPDUNHWSULFH+RSHIXOO\\RX
OOVWLOOPDNHDSURILWEXWDWWKHYHU\OHDVW
\RX
OOFXWWKHORVVHV\RX
UHWDNLQJHYHU\PRQWKLQFDUU\LQJFRVWV
0LVFDOFXODWLQJHVWLPDWHV&URZHWHOOVKLVQHZUHKDEEHUVWKDWDIWHUWKH\
YHGRQHWKHLUKRPHZRUNWKH\
VKRXOGGRXEOHWKHDPRXQWRIWLPHDQGPRQH\WKH\WKLQNLWZLOOWDNH,IWKH\FDQVWLOOPDNHPRQH\WKHQDQGWKH\
PLJKWEHDEOHWRUHQWLWRXWLW
VDJRRGGHDO



3RVWHG0DUFK


/RFDWLRQRIDUWLFOH
KWWSZZZEDQNUDWHFRPILQDQFHPRQH\JXLGHVOHWKDOPLVWDNHVIRUUHDOHVWDWH
LQYHVWRUVDVS[

KWWSZZZEDQNUDWHFRPV\VWHPXWLOSULQWDVS["S ILQDQFHPRQH\JXLGHVOHWKDOPLVWDNHVIRUUHDOHVWDWHLQYHVWRUVDVS[ V EU F UHDOHVWDWH W VWRU



Anda mungkin juga menyukai