Yenza uphinde ugcine imali ngala ma-apps
Iintlobo zokusebenza zezotyalo zikhula ukuba zibe ngenye yezona zikhetho eziphezulu malunga abatyala-mali abatsha ukuba bahlanganyele kwimarike yemasheya . Kwaye nabanini-mali abanolwazi banokufumana amathuba okugcina imali kunye nokuphucula iiphothifoliyo zabo ngezinye zezixhobo zokusebenza ezikhoyo.
Ngexa wawudla ukuthabatha ifowuni uze ubize umnini-mthengisi ukuba enze urhwebo, oluza kunye nekhomishoni enkulu, ngoku ungayifumana yakho ifowuni uze uyiphonise isikrini sakho amaxesha ambalwa ukuthengisa ngokukhawuleza-nokuba inkululeko okanye indleko ephantsi.
Ingaba ufuna ukuthenga isitoko sakho sokuqala okanye wenze njalo iminyaka, qwa lasela iiprojekti eziphezulu zokutyalomali ezilungele ukuba ngabadlali abaphezulu kwi-2018 nangaphezulu.
01 I-App ephezulu kakhulu yeeNtengiso zamaShishini zamahhala: uRobinhood
Landa i-App ye-Android
USirin Robin waseLocksley, owaziwayo kangcono njengoRobin Hood, waba ngumlingisi owaziwayo ngokuba kwizityebi kunye nokunika amahlwempu. Ukuba uthanda imbono yokunika amandla wonke umntu ukuba angene kwimakethi yemasheya, uRobinhood iyindlela ekhethiweyo.
URobinhood unikeza i-stock stock trades. Kwaye "ukukhulula" akuthethi "ukukhululeka, kodwa kunye nemirhumo kunye nezinye iindleko." Amashishini anekhomishoni . Jonga nje i-app, xhuma kwi-bhanki yakho, uhlawule i-akhawunti yakho, kwaye unako ukurhweba imali-mali. Ngeeyure zokurhweba ezongezelelweyo kunye neengxelo zemida, unokuhlaziya kwiRobinhood Gold ngemali.
I-Robinhood ayikho into engekho-frills yempahla yokuthengisa. Ngenxa yokuba abanamaofisi amancinci ngeenxa zonke zelizwe, banokuqhuba iindleko eziphantsi kunye nokugqithisela imali kubalimi-mali njengawe. Inkampani yenza imali kubasebenzisi be-Robinhood Gold kunye nokufumana inzala kwimali yokulinganisela imali.
02 I-App efanelekileyo yokuTyala imali ngokuzenzekelayo: i-Acorns
Landa i-App ye-Android
Ukuba awufuni ukucinga kakhulu malunga notyalo-mali lwakho kodwa ufuna ukufaka isandla rhoqo, i-Acorns iyona ndlela ephezulu. Qhagamshelanisa i-debit okanye ikhadi lekhredithi kwi-app kunye ne-Acorns "iyajikeleza" ukuthengiselana kwakho kwi dollar ezayo kwaye utyalomle "utshintsho olusisigxina" owawufumene ukuba uhlawule ngemali. I-Acorns ifaka imali yakho ngokuzenzekelayo kwenye yeefowthifoliyo ze-ETF eziphathwe ngokufanelekileyo.
IiAkhawunti ezine-balance ukuya kwii-5,000 zamawaka zihlawula i-$ 1 ngenyanga nganye kunye ne-akhawunti kunye ne-balance balance over $ 5,000 ukuhlawula umrhumo we-0.25%. Kubafundi beekholeji nge-imeyile ye-email, ungasebenzisa i-Acorns mahhala ukuya kwiminyaka emine ukusuka ngomhla wokubhalisa.
Iiphothifoliyo ezikhoyo zijolise kwiimali eziphantsi kweendleko zokuthengiswa kweendleko ezinikezela iifomali ezahlukeneyo ngaphandle kokuqala utyalo-mali. Iidola ezimbalwa apha kwaye zongeza, kwaye i-Acorns yenza kube lula ukutshala imali kumazinga amancinci ama dollar.
03 I-App Best yokufunda malunga nokutyalomali: iStash
Bhalisa kwaye Qala ukuTyala ngeStash ngoku
Ngexabiso elifanayo kwi-Acorns, iStash inikeza indlela ephantsi kweendleko zokwakha iipotifoliyo ezahlukeneyo. Kodwa apho i-Acorns ithengisa khona ngokuzenzekelayo, iStash ikunceda ufunde indlela yokwenza izigqibo ezithandekayo zokutshala imali ngokwakho.
Uhlelo lokusebenza lweStash luquka umxholo wemfundo okhethwe ngokukhetha ukhetho lwakho lotyalo-mali. Unokukhetha phakathi kweepotfoliyo ezixhomekeke kumagugu ezijoliswe kwiingqungquthela ezahlukeneyo zotyalo, okanye ukwakha iphothifoliyo yesiko. Emva koko unokwenza isicwangciso "se-auto-stash" sokwenza imali ngokuphindaphindiweyo okanye ukongeza imali xa ukhetha.
Kukho nawuphi na umqali-zimali oqalayo , yonke imigaqo, ama-acronyms, kunye nemibandela yehlabathi lokutshala-mali inokumangalisa. I-Stash ayiniki ubunzulu bezophando kwiinkampani ezininzi ezithatha iirhafu zempahla, kodwa ukuba ungakathethi ulwimi lotyalo-mali, kufuneka uqale kwindawo ethile. IStash yinto ekhethekileyo yokuqala kwinqanaba lokuqala.
04 I-App ephezulu kakhulu yokuthatha umhlalaphantsi: i-Vault
Landa i-App ye-Android
Ukuba u-freelancer oziqeshwe ngokuzimeleyo, awuyi kuba nokufikelela kumqeshi 401 (k) icebo kwaye kufuneka uhlanganise isicwangciso sakho somhlalaphantsi. Kukho iindlela ezininzi zokuziqhelisa ukuzityalisa, kodwa enye yeyona ndawo ipholile kakhulu ngeenxa zonke.
I-Vault ivumela umntu ukuba avule i- IRA, iRoth IRA, okanye i-akhawunti ye- SEP ye-IRA . I-SEP luhlobo lwe-IRA ekhethekileyo yeakhawunti yomhlala-phantsi yabasebenzi abaqeshwe ngabanye. Kodwa nawuphi na uhlobo lwe-IRA ofuna, i-Vault ikunika amandla okutyalo-mali ngokusekelwe kwipesenti ethile yengeniso yakho.
Xa imali ifakwe kwi-akhawunti yakho ngokusebenzisa umsebenzi wokuzimela, i-app ye-Vault inginika isaziso sokuvuma ukubeka ipesenti ozikhethile kwi-akhawunti yakho ye-IRA kwi-Vault. Ungakhetha kwakhona ukutshala ipesenteji yakho ngokuzenzekelayo ngaphandle kokufunwa kwemvume. I-Vault isebenzisa imodeli efanayo yentengo njenge-Acorns neStash.
05 I-App Best for Stock Gifting: Stock
Landa i-App ye-Android
Ukugcinwa kunika indlela ekhethekileyo yokuthenga nokuthengisa iimpahla. Ungathenga izabelo ezinqamlekileyo malunga naliphi na inkampani ngokusebenzisa i-Stockpile. Ngenye indlela, unako ukuxhaswa iakhawunti ngekhadi lesipho lesitoko esinikela isabelo senzuzo yelungu le-stock ukusuka kwi-$ 5.
Akukho mali ehlawulwa yenyanga kwaye yonke imisebenzi i-99 cents. Lolu hlelo lokusebenza lunomdla ngokukhethekileyo kubazali okanye nogogo nomkhulu bafuna ukufumana abantwana okanye abatsha abanomdla wokutshala imali kunye nemarike yempahla. Esikhundleni sokunika ikhadi lesipho abaza kuthi bathengise iintengiso, unako ukubanika i-$ 20 yesitokthi oyithandayo.
Ukugcinwa kwemali kunika imali engaphezu kwe-1 000 ukubandakanya iimali ezikhoyo kunye nee-ETF. Ngokomzekelo, unokwabelana ngezipho zesitokethi njenge-Disney okanye i-Apple, okanye unike ibhasikidi yamasheya kwiVanguard, iShares, okanye enye i-ETF. Unokunika ikhadi le-e-sipho okanye amakhadi wesipho somzimba okanye uhlawule i-akhawunti ngokudluliselwa kwebhanki. Esi siyisipho esihlawula ngokwenene izabelo.