??, ??? ??? ???? ?? ??? ��??? ???? ??? ?? ??��? ????. ��???��? ???, ?? ??? ?? ???? ???? ?? ??? ??? ? ?? ??? ?? ??. ???? ???? ??? ???? ??, ??? ?? ???? ?? ????? ??? ��??? ?��? ?? ???? ????. ????? ?? ???? ??? ?? ��???��? ?? ???? ??? ???? ??????.

?? ??? ??? ???, ??? ? ??? ??? 1995?? 2000? ??? ??/?? ???? ??? ??????? 2000? 3??? 2002? 10??? 943?? ???? 78% ??? ??? ????? 2007??? 2010???? ??? ???? ???? ??? ????? ??? ??? ???, ?? ??? ?? COVID-19? ?? ???? ???? ?? ??.

???, ?????? ???? ? ?? ??? ??? ????(Consumer Price Index, CPI)? ???????(Producer Price Index, PPI)? ?? ?? 6?? ????? 9.10%?, 7? 26~27? ?? FOMC? Meeting??? ????? 1%??? ???? ???? ???, ???? ?? ????? ??? ????, ?? ??? ? ??? ???? ???? ??? ???, ��??? ?��? ?? ??? ???? ? ??? ?????, ?? ???? ???(recession)? ???????(Stagflation)? ????? ??? ??? ? ??? ??? ??.

???, ??? ?? ???? ????(һ�H���)? ???? ?? ????. ?? ???, ��???? ????��? ??? ??? ? ??? ?? ???? ??? ??? ????? ????? ??? ??? ???? ?????? ?? ???? ?? ???? ?? ? ??.

1. CD(Certificate of Deposit) : ??? ???? CD? 3???? ?? National Average Rate? ?? 0.37%??? ??? 3.25%, 5???? ?? 0.48%???, ??? 3.64%?? ??? ??? ??? ??? ??? ?? ? ??(investopedia.com ��Best CD Rates�� 7.16.2022)

2. MMA(Money Market Account) : 401(k)?? ??? ?????? ????? ?????? ??? ? ???, National average Rate? 0.07%???(cnbc.com ��Here are the best money market accounts of July 2022�� 7.1.2022), ??? 1.81%???? ?? ? ??. ?, ???? ?? ?? ???? ??? ??? ???? ?? ??????.

3. MYGA(Multi-Year Guaranteed Annity) : 1??? 10???? ?????? ????? ???? ??(Annuity)????. 3??? ?? 3.8%, 5??? ?? 4.25%? ????? ??? ??? ?? ??? ? ??? ?? ??? ??? ?? ? ??.

CD, MMA, MYGA ?? ??? ???? ???, MYGA(???)? ?? ??? ?? ??? ?? ????? ?? ?? ???? ????.

???? ??? ????? ?????? ???? ?? ?? ???? ???? ??? ?? Surrender Charge? ???? ?? ??? 7??? 10????? ??, ??? ?? ??? ???? ????? ??? ??? ? ?? ???.

?, ???? ??? ??? ??? ???? ? ??? ???? ????, ??? ???? ?? ???? ?? ????? ?? ??? ?? ??? ???? ??? ??? ? ? ?? ????? ??? ? ? ?? ??? ???.

??? ?????? ??? ??, ????? ??? ??? ?????? ???? ??? ??, ??? ??? 3??? ????? ??? ??? ??? ??? ???? ???? ?? ???? ?? ???(MYGA)? ???? ?????? ???? ?? ???? ??? ???? ????.

??: (213) 605-0994

e-mail: ryanlim@allmerits.com

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