Ingqwalasela yeendlela ongayinika zona iiSahluko zeSitokisi ukuya kubahlobo kunye nosapho
Indlela yokunikezela ngeSitokethi njengeSipho esingenazo izithintelo
Ukuba ufuna ukunikela ngesitoko njengesipho kungekho zixhobo ezixhomekeke kuyo-ngokupheleleyo, ngokungaqiniseki ngokupheleleyo ukuze umntu enze konke afunayo ngethuba eliyifumana lona - kukho iindlela ezininzi zokufezekisa oku, kubandakanywa ukubizwa kwakhona Iimpahla zakho ezikhoyo kunye / okanye ukuseka iSicwangciso soThengiselo lokuThengiswa kweSitiso okanye iSicwangciso sokuThumela iSahlulo segama lokufumana imali, egama lento ndiya kuxoxa ngayo ngezantsi. Uninzi luyinto engabizi kwaye, kwiimeko ezimbalwa, zikhululekile ngokupheleleyo.
Nika iSitokethi ngokuBamba kwakhona ii-Stock Holdings zakho ezikhoyo
Ukuba ubamba izabelo ofuna ukuzenza kwisipho kwi- akhawunti ye-brokerage okanye isicwangciso sokubuyisela isabelo sakho ngokwakho, ungaqhagamshelana neziko kwaye ugcwalise ifom ukubuyisela kwakhona ezinye izibambiso zakho egameni lomntu ofuna ukuba nesipho kwisitokisi. Ungakwazi nokusetha izipho eziqhelekileyo ngezikhathi ezilungiselelwe ngaphambili, ezinjenge-5 nganye nyanga, okanye uLwesibini wesibili kwikota nganye.
Umzekeliso: UCharles Schwab kunye neNkampani inefomu ebizwa ngokuba yi- Letter of Authorization for Movement of Funds evumela ukuba abathengi bayo benze ukutshintshwa kweeholide kumalungu esithathu. Khawucinge emva kokuba uphumelele ukutshala imali, uye wakha indawo enkulu kwiProter & Gamble. Emva kokuba uqinisekisile yonke ingcaciso, ungathi, "Ndifuna ukuba unike isabelo se-Procter neGamble kwindodana yam inyanga nganye ngokuthatha isitokhwe kwi-akhawunti yakho kwaye uyibeke kwi-akhawunti yakhe yokuthengisa."
Ngaphandle koko, ukuba unyana wakho wayengenayo i-akhawunti ye-brokerage eSchwab, iqumrhu lingasithumela isatifiketi sesitokisi senyama okanye ukuba izabelo zibhaliswe ngokuthe ngqo egameni lonyana wakho ngeNkqubo yokuBhalisa ngqo (iiflawulo zingafaka isicelo sale nkonzo kwezi wakho umthengisi).
Ukususela ngoDisemba 2014, iShawab ityala imali engama-75 engama-assets-titling assets (ekucingeni ukuba awufuni isitifiketi sokugcina impahla, ebiza kakhulu kwaye akuyi kukukwenza ngoku ngoku Dodo.)
Sebenza Ngomntu Ofuna Ukunikela NgesiSipho njengeSipho sokumisela iSicwangciso soThengiselo lokuThengwa kweNkcazo okanye iNgcaciso ye-Akhawunti yeNkqubo yokuThengisa kwiGama labo
Ngaphandle kwemibandela embalwa, oku kungabi lula. Ugcwalisa ifom, i-imeyile kwisheke, kwaye yile nto. Umntu ufumana isitatimenti esibonisa inani lezabelo azinayo, kwaye ke angathengisa ngaphezulu ngokuthumela iincwadi zokuhlola, ezithengiswayo ngokuzenzekelayo ezivela kwi-akhawunti yabo yebhanki, okanye ukubuyisela kwakhona nayiphi na imali ehlawulwayo. Ukuba ufuna ukuthenga ezinye izabelo, izicwangciso ezininzi ziyakukuvumela ukuba ubhale enye ingotshe kwaye uyithumele kuwe, okanye ubhale ngokuthe ngqo kumntu ukuba uthemba ukuba baya kusebenzisa imali ekuthengeni isitoko ofuna ukuyibanika.
Kuthekani ukuba ufuna ukubonakaliswa kobunikazi? Nangona izitifiketi zesitokhi ziba ziqabile kwaye, kwezinye iimeko, iinkampani zinqabile ukuzithumela, unokuzijonga ngeenkonzo ezifana ne-OneShare.com. Bangakwazi ukubeka isihloko kwisitokethi egameni lommkeli wesipho kwaye unokukwazi ukusebenzisa eso sabelo ukusetha i-DRIP. Kwintsapho yam, yile ndlela endinceda ngayo udadewethu omncinci ukuqala ukwakha inqobo yakhe yobunini kwiCoca-Cola Direct Stock Purchase Plan. Usenaso isatifikethi sakhe sokuqala esiqingqiweyo, kunye ne 99% + esele senziwa phantsi kobhaliso oluchanekileyo.
Indlela yokunika iSitokethi njengesipho Ukuba ufuna ukubeka izilungiso kwiSabelo
Kuthekani ukuba awufuni umntu onokwenza isipho sezabelo ukuba abe nokufikelela okungavinjelwe kwisitokisi? Ngokuxhomekeke kwimeko yakho, unokhetho oluninzi.
Kwabancinci, Ukusekwa kweAkhawunti yokuThuthwa kweMali okanye iSicwangciso soThengiso sokuThengiswa kweSitiso sokuBhaliswa phantsi koMthetho oTshintshiseneyo oya kwiNcinane yoRhulumente wakho (UTMA)
Ezi akhawunti zokugcina zihlukile kuba zivumela ukuba ugama njengomgcini-mthwalo onomsebenzi wokulawula imali yenhlalakahle encinci, kodwa loo propati ingowomntwana omncinane kuba izipho eziya kwi-UTMA aziguquki. Ngokuxhomekeka kwimeko, unokugqiba isigqibo kwixesha eliya ku-akhawunti lisekwa ukuba ufuna ukuba encinci inelungelo lokuthatha ifa kwi-21 okanye enye iminyaka (ezinye ezimbalwa zivumela ukuba ulandele ixesha elide njengomhla wokuzalwa komntwana oneminyaka eyi-25, ngelixa abanye beza kukuvumela ukuba uyibeke njengomncinci njenge-18). Inkqubo yokuvula i-UTMA ibulula nje ngokuvula nayiphi na enye i-akhawunti. Enyanisweni, ndiyilungiselela isibini umfana wam nomntakwabo.
Ukuseka iSikhwama seTrust kunye noTshintsho lwabiwo lweStock To It
Ingaba ufuna ukunika izabelo kumntu omncinane okanye omdala, ukhetho olugqithiseleyo ngokwemigudu yokuguquguquka kwintlawulo ye-trust trust. Ndibeke ndawonye isikhokelo sabaqalayo abadibanisa kumanqaku amaninzi malunga neemali zetrasti , kodwa inqaku elifutshane kukuba ungabhala isibhengezo senthemba ekwahlula isihloko somthetho sepropati phakathi kwe-trustee, onomsebenzi wokulawula ukulawula umgangatho ophezulu wokunyamekela, kunye nomxhamli wezoqoqosho, othanda ukuzonwabisa kwipropati ngendlela oyikhetha ngayo. Unokusebenzisa i-trust ukuba ufumane ukubhalwa kwerhafu ngokwakho kubandakanye isizathu esibangelisayo .
Khawucinge ukuba uhleli e-block yeesahlulo ezili-10,000 zeRoyal Dutch Shell yeBanga le-ADR. Unquma ukuba ufuna ukunika isitoko njengesipho kubazukulu bakho abathathu. Uqeshe ugqwetha ukuba ubhale umbhalo othembekileyo othembekileyo (ukulula, ukuthembela ngokuthe ngqo kuya kuqhubela i-$ 1,000 kwimirhumo yomthetho, nangona le nto ingahlukahluka kwindawo) ethi uthumela zonke izabelo ezili-10,000 kwi-trust. Ngobomi babo bonke, i-100% yezihlawulelo ezihlawulwa kwisitokethi kwi-trust ziya kuhanjiswa kubakhulu bakho kwiKrisimasi. Xa ekugqibeleni kwabo bafa, yonke ibhloko-nokuba yintoni efanelekileyo - kukuba uye kwi-alma mater yakho ukuseka i-scholarships.
Uyakwazi ukuguqula i-akhawunti yakho ye-brokerage ekhoyo kwi-trust ngokugcwalisa iphepha (abanye abathengisi banokukuvumela ukuba ugcine inombolo efanayo ye-akhawunti ngoko kungabi utshintsho lobunikazi) okanye unokwenza i-akhawunti eyahlukileyo, phantsi kwegama le-trust. isitokisini sidluliselwe kuyo ngokubuya, njengoko sele sithethe ngazo.
Kule meko, ubenakho ukunika isitoko njengesipho kodwa abazukulwana abanakunakukuchaphazela. Kunoko, bafanele baphile kwizabelo. Kwiinyanga ezili-12 ezidlulileyo, oku bekuya ku-$ 34,400. Ngomnye umkhulu wayeya kufumana isheke malunga nama-11,467. Emva kwexesha, iireki kufuneka ziqhubeke zikhula. Kulo mzekeliso, awuzange ubeke umqobo ukuba loo mali ingasetyenziselwa njani, kodwa ukuba wawukufuna, unokukukhawulela ukuthenga ikhaya, ukuthenga rhoqo ikhabethe entsha, okanye ukuhlawula ukutya. Iingxowa zininzi ziguquguqukayo kwaye phantse zonke izibonelelo ziya kugcinwa ngaphandle kokuba ziphule umthetho okanye zifune umntu ukuba aziphathe ngendlela ebonwa njengomgaqo-nkqubo womgaqo-nkqubo.
Inzuzo eyongezelelweyo yokusebenzisa ithemba kukuba awuphelelanga kwisitokisi sokunika izipho. Ukuba ithemba lithe labhalwa kakuhle, ungaphinda unikezele ezinye iimali-mali, kubandakanywa izibhonkco , izabelo zengxowa- mali , i- estate , kunye nokunye.