I-Dollar Indleko yokulinganisela
Ingqiqo yexabiso elibiza idoli liye lajikeleza ixesha elide. Inkqubo ibandakanya ukuthenga inani elingu-dollar elingu-dollar elinesigxina kwenyanga nganye, njengengxowa-mali, kungakhathaliseki ukuba isabelo samanje sabelo. Ngelixa zonke iifenethi zemarike zivumela ukuba utyalole imali encinci ukuqala, abaninzi baya kuthi batyale imali engama-R6 25 ngenyanga ngenyanga ezintandathu, ukuqala ukutshala kwe-$ 100 yokuqala. Unethemba lokuqhubeka nokuthenga izabelo inyanga nganye ngeemali ezongezelelweyo ngexesha. Njengoko intengo yesabelo sokwabelana ngemali isuka phezulu iphantsi, uya kuthenga izabelo ezongezelelweyo xa ixabiso liphakamileyo, kwaye ngamanye amaxesha xa liphantsi, ngokukhawuleza ukulinganisa iindleko zakho nokunciphisa izinga lakho lomngcipheko. Nangona oku akuqinisekisi ukuba awuyi kulahlekelwa yimali yakho, iyakwenza utyeshe umngcipheko wakho kwizinga elifanelekileyo.
Ukuboleka koontanga
Eyaziwa nangokuthi i-crowdlending, le ngongoma yokutyalo-mali intsha, kwaye ibandakanya abantu ababoleka imali yabo ngendlela yemboleko mboleko, kwabanye abantu, kunye nenkampani engekho ebhange yezemali esebenza njengomntu ophakathi.
I-Club yokuboleka kunye neProsper ibonisa ezimbini zezona nkampani ezinkulu ukulungiselela lolu hlobo lokuboleka. Unokuqala ukutyalomali kunye ne-$ 25. Inkampani yokubolekisa oontanga-ntanga iyanciphisa utyalo-mali lwakho ngokuvumela utyalo-mali lwama-25 ophezulu kwi-mboleko yomntu. Imali eninzi otyalo-mali, imali ebolekayo inkampani isasaza utyalo-mali lwakho ukunciphisa umngcipheko.
Ukususela ngo-2009 ukuya ku-2014, iCredit Club kunye neProsper ukufumana utyalo-mali lwangonyaka-mali kubuyisela ukusuka kuma-5 ukuya kuma-10 ekhulwini.
401 Umqashi wakho (k)
Mhlawumbi ufuna ukutshala imali eyi-$ 100, kodwa unokuba ukhethe ukukhangela kwi-paycheck yakho ukuze ungabi nabuhlungu. Gcina i-$ 100 yemali yakho kwingxowa-mali yakho yexakeka, kwaye ujoyine umqeshi we- 401 (k) esikhundleni sakho. Imali yakho iya kwi-401 (k) kwingxelo ngaphambi kokuhlawula nayiphi na irhafu, ikunike imali ethe xaxa yokutshala imali. Ngamanye ama-401 (k) isicwangciso sinezixa-mali eziphathekayo apho ungakhetha ukutshala imali, kwaye abanye banokunika umthengisi ukuba usebenze kunye nokuncedisa ukukhetha utyalo-mali. Uza kufumana ikhefu kwerhafu nayiphi na imali oyifaka kuyo kwi-401 (k) yakho, kunye neenkampani ezininzi ezidibanisa umrhumo womqeshwa okanye i-dollar-to-dollar, okanye ukuya kwipesenti ethile ngonyaka. Ngokuqinisekileyo uza kufaka imali engaphezulu kwe-$ 100 ngelixesha owenza ngayo ukulungelelanisa kunye nokulondolozwa kwentela kwi-dollar engaphambili yentela otyalomalileyo.
Investment Robots
Ukuba unayo i-$ 100 okanye ngaphantsi ukutyalomali, unokuba ukhathazeke ngokukhetha utyalo-mali olulungileyo ukuqinisekisa ukuba ufumana ukubuyela kakuhle ngaphandle kokulahlekelwa yimali yakho. Xa usebenza nequmrhu le-brokerage kwaye usebenzise iinkonzo zomphathi-mali-mali, uhlawula umrhumo wengcali yabo.
I-Robo-conseilors iveza enye entsha kunye ethandwayo. Ezi nkqubo zenkqubo yokutyalo-mali-software zithenga kwaye zithengisa izitokethi zakho ngokusebenzisa i-algorithms yokurhweba kunokuba ngabaphathi babantu. Ukuba ungazizithembi ngolwazi lwakho lokuthengisa imasheya, umcebisi wakho we-robo uza kwenza izigqibo zokutshala imali ngokuzenzekelayo ngokuxhomekeka kwiimeko zemarike kunye nezinye izinto. I-robo-umcebisi iphinda ivuselele nayiphi na igalelo ngokuzenzekelayo kwaye ilinganise iphothifoliyo yakho xa kuyimfuneko ukulawula inqanaba lakho lomngcipheko.
Ngenxa yokuba i-robo-abacebisi yiphuhliso olutsha ngokutsha kwimeko, banokuthi babe neekinksi ezimbalwa kwaye bangafezekisi iziphumo ezifanayo. Ngokweengxelo zeemarike, ngo-2016 umrhwebi wokuthengisa utshintshi we-robob umcebisi we-robob wabuya umvuzo wabatyalomali bawo ngokubuya kwe-10,7 ekhulwini, ngelixa iVanguard izuze uzuzo lwepesenti ye-5.5.
Ngomnyaka ofanayo, i-Standard & Poor's index 500 yazuza i-12 ekhulwini.
Izabelo ezihlukileyo
Izabelo ezihlukileyo , ngokukodwa ezincinane zesabelo se- stock , yenza utyalo-mali lufikeleleke kakhulu kunoma ubani. Xa ungenayo imali yokwanelisa i-akhawunti encinci yezona-akhawunti, cinga ukuzithenga i-$ 100 yezabelo ezinqabileyo. Ngokuqhelekileyo, xa uzama ukuvula i-akhawunti yezobalo-mali uza kufumana ubuncinane ubuncinane be-$ 2,000 kunye ngamanye amaxesha ukuya kuma-20,000, ukuze uvumeleke ukwenza utyalo-mali lwakho lokuqala. Ngezabelo ezinqamlekileyo, ukuba ungathanda ukufumana inkokhelo e-Amazon, i-Google okanye enye inkampani enexabiso eliphezulu kakhulu lezabelo, unokwenza oko kanye. Iinkampani ezinjenge-Betterment.com zikuvumela ukuba ufake nayiphi na imali yemali efumanekayo enamaqhezu e-fractional esitokisini ozikhethayo, ngoko unokufumana imali yakho ukuqala ukusebenza ngokukhawuleza.
Qaphela iiMali zokuLungisa
Ngelixa unokuyonwabela ukubuyiswa kweepesenti ezingama-5, iipesenti ezili-10 okanye ngaphezulu kwiindlela zakho zokutyalwa kwemali, ngokweentlawulo zangama-dollar langempela aziyi kubakho yonke imali eninzi kodwa ngenxa yokuba uqala ngexabiso elingaphantsi kwe-100 yenkunzi-mali. Funda ukuprintwa okulungileyo malunga naliphi na imali echaphazelekayo yotyalo-mali ukuze uqiniseke ukuba awuyi kunika yonke inzuzo yakho yokutshala imali kwiinkampani zenkampani yokuthengisa. Ukuqwalasela nayiphina imirhumo yokuthengisa. Kwintengiso nganye ukuthenga okanye ukuthengisa, unokuhlawula i-$ 4.95 ukuya kwi-9.95 yee-yorhwebo nganye, kuxhomekeke kwinkampani. Ukongezelela, ezinye iinkampani zinokuhlawulisa umrhumo wonyaka wokutyalomali we-$ 50 okanye ngaphezulu. Ezinye iimali zentsebenziswano zibizwa ngokuba ngumthwalo, ngokukodwa ikhomishina okanye ukuthengiswa kweentlawulo, ngoko-ke, jonga iimali ezihlangeneyo.
I-Balance ayinikezeli irhafu, utyalo-mali, iinkonzo zemali kunye neengcebiso. Ulwazi lwenziwa ngaphandle kokuqwalasela iinjongo zotyalo-mali, ukunyamezela ngengozi okanye imeko zezimali kwanoma yimuphi umtyalo-mali othile kwaye angenakufaneleka kubo bonke abatyalo-mali. Ukusebenza kwangaphambili akubonakali kweziphumo ezizayo. Utyalo-mali luquka ubungozi kubandakanya ukulahlekelwa kwinqununu.