{"id":2518,"date":"2020-09-27T12:04:37","date_gmt":"2020-09-27T19:04:37","guid":{"rendered":"https:\/\/www.dncu.com\/?p=2518"},"modified":"2024-10-29T13:42:25","modified_gmt":"2024-10-29T19:42:25","slug":"cuando-debo-abrir-una-cuenta-de-ahorros","status":"publish","type":"post","link":"https:\/\/www.dncu.com\/es\/blog\/when-should-i-open-a-savings-account\/","title":{"rendered":"\u00bfCu\u00e1ndo debo abrir una cuenta de ahorros?"},"content":{"rendered":"<p>Las instituciones financieras ofrecen diversos productos de dep\u00f3sito, entre ellos la cuenta de ahorros. A diferencia de la mayor\u00eda de las cuentas corrientes, las cuentas de ahorros tienen un l\u00edmite de seis retiros por ciclo de facturaci\u00f3n, seg\u00fan lo estipulan las regulaciones federales. Esto significa que debe tener cuidado al gestionar sus transferencias, ya que podr\u00eda incurrir en comisiones o incluso que su cuenta se convierta en una cuenta corriente.<\/p>\n<p>Con estas restricciones, quiz\u00e1s te preguntes si vale la pena abrir una cuenta. Lo cierto es que mantener una cuenta de ahorros es fundamental para una buena salud financiera.<\/p>\n<h2>\u00bfPor qu\u00e9 necesitas una cuenta de ahorros?<\/h2>\n<p>Siempre es buena idea tener ahorros para imprevistos, y las cuentas de ahorro te permiten obtener ganancias con fondos que no utilizas. \u00bfC\u00f3mo funcionan? Estas cuentas generan un inter\u00e9s moderado, lo que significa que ganas un peque\u00f1o porcentaje de tu saldo en cada ciclo de facturaci\u00f3n. Cuanto m\u00e1s ahorres, m\u00e1s ganar\u00e1s.<\/p>\n<p>Quiz\u00e1s te preguntes si necesitas una cuenta de ahorros teniendo tarjetas de cr\u00e9dito u otros recursos financieros. Si bien puedes usar una tarjeta de cr\u00e9dito para cubrir gastos inesperados como la reparaci\u00f3n del auto o facturas m\u00e9dicas, las compa\u00f1\u00edas cobran intereses sobre el saldo, lo que significa que a la larga gastar\u00e1s m\u00e1s. Unos ahorros bien administrados pueden protegerte de las deudas, evitando el estr\u00e9s y permiti\u00e9ndote conservar tu dinero.<\/p>\n<h2>\u00bfCu\u00e1l es el mejor momento para abrir una cuenta de ahorros?<\/h2>\n<p>Si a\u00fan no tienes una cuenta de ahorros, deber\u00edas abrir una cuanto antes. Cuanto antes empieces a ahorrar, mayor ser\u00e1 tu estabilidad financiera.<\/p>\n<p>Si ya tienes una cuenta de ahorros, es buena idea comparar ofertas si has notado lo siguiente:<\/p>\n<ul>\n<li>Su tasa de inter\u00e9s ha bajado en el \u00faltimo a\u00f1o.<\/li>\n<li>Todas las ofertas ventajosas que ofrec\u00eda su entidad financiera han sido descontinuadas.<\/li>\n<li>Tienes la cuenta desde hace un tiempo.<\/li>\n<\/ul>\n<p>Los tipos de inter\u00e9s var\u00edan constantemente en funci\u00f3n de la econom\u00eda y cada banco fija los suyos. Si no est\u00e1 satisfecho con su tipo de inter\u00e9s actual, es relativamente f\u00e1cil transferir su cuenta a otro banco.<\/p>\n<h2>\u00bfCu\u00e1nto deber\u00edas ahorrar?<\/h2>\n<p>La mayor\u00eda de los asesores financieros aconsejan intentar ahorrar. <a href=\"https:\/\/www.businessinsider.com\/when-to-open-a-savings-account-financial-planner-advice-2018-6\" target=\"_blank\" rel=\"noopener noreferrer\">20% de sus ingresos<\/a>. Sin embargo, muchas personas no est\u00e1n en condiciones de hacerlo. Si bien esta situaci\u00f3n no es la ideal, no significa que debas rendirte: ahorrar lo que puedas es mejor que no ahorrar nada.<\/p>\n<p>Establecer una meta es una buena manera de motivarse para ahorrar m\u00e1s. Los expertos recomiendan que su cuenta de ahorros de emergencia tenga suficiente para cubrir al menos <a href=\"https:\/\/www.moneyunder30.com\/emergency-fund-calculator\" target=\"_blank\" rel=\"noopener noreferrer\">seis meses de gastos<\/a>. Esto te da un margen de seguridad si te despiden o faltas al trabajo por problemas m\u00e9dicos de larga duraci\u00f3n. Hay muchas calculadoras gratuitas que te pueden ayudar a calcular cu\u00e1nto es eso.<\/p>\n<h2>\u00bfQu\u00e9 tipos de cuentas de ahorro existen?<\/h2>\n<p>Quiz\u00e1s te sorprenda saber que las instituciones financieras suelen ofrecer varios tipos de cuentas de ahorro. La que elijas depender\u00e1 de tus necesidades y objetivos.<\/p>\n<h2>Cuenta de ahorros<\/h2>\n<p>Estas cuentas suelen tener una tasa de inter\u00e9s m\u00e1s baja, de entre 0,11 TP3T y 21 TP3T. Pueden tener un requisito de saldo m\u00ednimo, pero estos suelen ser bajos.<\/p>\n<h2>Certificado de dep\u00f3sito<\/h2>\n<p>Tambi\u00e9n conocidos como certificados de dep\u00f3sito (CD), este tipo de cuenta bloquea el saldo durante un per\u00edodo de tiempo preestablecido. Suelen generar intereses m\u00e1s altos, pero generalmente se cobra una comisi\u00f3n si se necesita retirar el dinero antes de tiempo.<\/p>\n<h2>Mercado de dinero<\/h2>\n<p>Estas cuentas ofrecen intereses m\u00e1s altos y tienen las mismas limitaciones de retiro que una cuenta de ahorros tradicional. Sin embargo, suelen requerir un saldo m\u00ednimo elevado, generalmente de varios cientos de d\u00f3lares.<\/p>\n<p><span class=\"bold\">\u00bfEst\u00e1s listo para empezar a ahorrar?<\/span> <a href=\"\/es\/\">Cooperativa de Cr\u00e9dito Del Norte<\/a> Ofrecemos varios tipos de cuentas de ahorro, todas con tasas competitivas. Para obtener m\u00e1s informaci\u00f3n sobre nuestros productos financieros o para hacerse miembro, ll\u00e1menos al 818-DNCU (3628) o <a href=\"https:\/\/www.dncu.com\/es\/contacto\/\" target=\"_blank\" rel=\"noopener noreferrer\">Cont\u00e1ctanos en l\u00ednea<\/a>.<\/p>","protected":false},"excerpt":{"rendered":"<p>Las instituciones financieras ofrecen una variedad de productos de dep\u00f3sito, entre ellos la cuenta de ahorros. A diferencia de la mayor\u00eda de las cuentas corrientes, las cuentas de ahorros tienen un l\u00edmite de seis retiros por ciclo de facturaci\u00f3n, seg\u00fan lo estipulan las regulaciones federales. Esto significa que debe tener cuidado al administrar sus transferencias, ya que podr\u00eda incurrir en comisiones o incluso que su cuenta sea convertida a otra cosa. <a href=\"https:\/\/www.dncu.com\/es\/blog\/when-should-i-open-a-savings-account\/\">Contin\u00faa leyendo <span class=\"meta-nav\">\u2192<\/span><\/a><\/p>","protected":false},"author":17,"featured_media":10640,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"_searchwp_excluded":"","footnotes":""},"categories":[40],"tags":[],"class_list":["post-2518","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-save"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v28.0 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>DNCU | Savings Account Questions Answered<\/title>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/www.dncu.com\/es\/blog\/cuando-debo-abrir-una-cuenta-de-ahorros\/\" \/>\n<meta property=\"og:locale\" content=\"es_ES\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"DNCU | Savings Account Questions Answered\" \/>\n<meta property=\"og:description\" content=\"Financial institutions offer a variety of deposit products, one of which is the savings account. Unlike most checking options, savings accounts have a limit of six withdrawals per statement cycle as mandated by federal regulations. This means that you have to be careful when managing your transfers, or you could end up with fees or even have the account converted &hellip; Continue reading &rarr;\" \/>\n<meta property=\"og:url\" content=\"https:\/\/www.dncu.com\/es\/blog\/cuando-debo-abrir-una-cuenta-de-ahorros\/\" \/>\n<meta property=\"og:site_name\" content=\"Del Norte Credit Union\" \/>\n<meta property=\"article:published_time\" content=\"2020-09-27T19:04:37+00:00\" \/>\n<meta property=\"article:modified_time\" content=\"2024-10-29T19:42:25+00:00\" \/>\n<meta property=\"og:image\" content=\"https:\/\/f3bec255-0e31-4fe2-83aa-f85087ca2a1a.cc10.conves.io\/files\/save.jpg\" \/>\n\t<meta property=\"og:image:width\" content=\"670\" \/>\n\t<meta property=\"og:image:height\" content=\"447\" \/>\n\t<meta property=\"og:image:type\" content=\"image\/jpeg\" \/>\n<meta name=\"author\" content=\"Guy Krenn\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<meta name=\"twitter:label1\" content=\"Written 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