Utyalo-mali unikezela ngeenzuzo xa unesikhundla esikhulu, kodwa oko akuthethi ukuba abatyali-mali bangama dollar ambalwa ukuba baqalise abakwazi ukuthabatha inxaxheba kwimarike yemasheya. Ngombulelo kwezinye iinkonzo ezintsha kunye ne-akhawunti ye-investment eguquguqukayo, unokuqalisa ukutyalomali nokuba ngaba unama-bucks ambalwa okubeka emakethi. Kwiimeko ezininzi, awudingi idola ukuze uvule i-akhawunti.
Iimpawu eziphambili ze-Micro-Investment
Nangona ezinye ii-akhawunti zentengiso kunye nezokuqala zifuna i-$ 100,000 ukuze iqalise, abanye abanakho ukufunwa kwemali yokuvula.
Ezi nkonzo zikuvumela ukuba uhlawule ngokukhawuleza ibhalansi yakho yotyalo-mali ngokuhamba kwesikhathi ngokusebenzisa utyalo-mali.
Kwaye le nxaxheba-mali-mali inokuyongeza ngokukhawuleza! Ukuba uhlela ukutshintshwa ngokuphindaphindiweyo ukutyalomali i-$ 20 ngenyanga kunyaka, uza kugcina nge $ 240 ekupheleni konyaka. Yaye ukuba unako ukuyigcina idoli nje ngosuku, yi-$ 1,000 kwiminyaka emithathu. Akunako ukwanela ukwakha iqanda leendleke, kodwa ukuba usemncinci kwaye ufuna ukungena kwi-market market, kuyisiqalo. Ukuba unemali eyaneleyo yokuphuma ukutya kwindawo yokutyela, unayo imali engenayo yokwenza imali!
IAcorns
Ukuba ufuna ukuqalisa ukutyalomali kunye noshintsho lwakho lokungcebeleka, i-Acorns yinqanaba lakho. Akukho ncinane ibhalansi efunekayo ukuvula i-akhawunti entsha. Xa udibanisa i-debit yakho okanye ikhadi lekhredithi, i-Acorns iya kubeka iliso ukuthenga kwakho kunye nokujikeleza ukuze utyalomle utshintsho lwakho. Umzekelo, ukuba uya kwisitolo se-sandwich uze uchithe i-$ 4.75 kwicandelo elincinane, i-Acorns iya kujikeleza ukuya kwi-$ 5 kwaye utyalomali i-25 cents kwi-akhawunti yakho.
Ungakwazi kwakhona ukuseta rhoqo rhoqo, rhoqo ngeveki, okanye ngeenyanga zonyango okanye wenze igalelo linye ixesha.
I-Acorns ihlawulisa imali eyi-1 yenyanga ngenyanga ye-akhawunti kunye ne-balance phantsi kwe-$ 5,000 kunye ne-0.25 yeepesenti yokulawula i-akhawunti kwi-akhawunti engaphezu kwama-5,000. I-akhawunti yakho idola imali ngokuzenzekelayo inotyalwe yi-Acorns kwiimali ezahlukahlukeneyo zokuthengiselana ngeendleko , okanye ii-ETF.
Nangona ungazi nto malunga notyalo-mali, u-Acorns uye wagqithisa kwaye uya kukunyamekela izigqibo ezinzima kuwe . Unokuhlala phantsi kwaye ubukele i-akhawunti yakho ikhule kunye nokuthenga nganye.
Robinhood
Ukuba ukhetha amava emveli okutyalo-mali, kodwa ungenayo idola enkulu ukutshala imali, u-Robinhood uyinqununu enkulu. Nangona ii-brokerage ezinkulu zihlawulisa i-$ 10 ngokuthengiswa kwempahla kunye ne-discount discount broker malunga ne-$ 5, i-Robinhood ihlawulisa i-$ 0.
Le fowuni yokuqala, kwi-intanethi kuphela i-brokerage isebenza njengebhanki kuphela kwi-intanethi, kodwa kwiifoksi zakho endaweni yengxowa yakho. Ngokukhusela amagatsha asemzimbeni kunye nezakhiwo ezixabisekileyo, banokunikela ngemisebenzi yokugcina impahla njenge-100 pesenti yemveliso yedijithali yamahhala. Inkokhelo ehlawulwe, i-Robinhood Gold, ifumaneka nge-$ 10 ngenyanga ngeempawu ezongeziweyo. Ukuba ungumthetho waseUnited States uhlala nenombolo yokhuseleko loluntu kunye nefowuni ehlakaniphile, unayo yonke into oyifunayo ukuthenga nokuthengisa iimpahla, kungekho mali kwaye akukho namanqanaba omncinane anokukhathazeka ngawo.
Ulunge
I-Robo-advisers yindlela entsha yokwenza utyalo-mali apho ugcwalisa i-questionnaire emfutshane kwaye iqumrhu lotyalo-mali lugxininisa abanye ngokusebenzisa i-algorithm ephakamileyo yokutyalomali. Ekuphuculeni, uvele ubaxelele iinjongo zakho kwaye baya kutyalula iidola zakho ngokudibanisa neendleko eziphantsi kweendleko ezilungiselelwe zona.
I-akhawunti engundoqo ayikho ibhalansi encinci kwaye akukho mali yokuthengisa . Iindleko zokuphucula i-0.25 yepesenti intlawulo yonyaka kwi-balance balance yakho ye-akhawunti, ngokufana ne-Acorns iindleko kwi-akhawunti ezingaphezu kwe-5,000 zama-akhawunti. Unokuba negalelo ngokusebenzisa iifomiti eziphindaphindiweyo okanye utyalo-mali oluthile ngexesha lewebhu.
CapitalOne Investment
Inkampani emva kwe-CapitalOne 360 ekhangayo kunye ne- akhawunti yokulondoloza inikezela iqonga lokutyalomali kwakhona. I-CapitalOne Utyalo-mali ayikho ibhalansi encinane yokuqalisa kwaye ihlawula i-$ 6.95 ephantsi kworhwebo. Eyaziwa ngokuba nguSahluli-sabelo, eli qonga lokutyalomali likunika ukufikelela kwiimpahla, iimali eziphathekayo kunye nezinye izicwangciso ezikhethekileyo zokunceda ukwakha iphothifoliyo yakho.
I-PortfolioBuilder ikuvumela ukuba wenze i-portfolio yonke ye-ETF ye-$ 18.95 yentlawulo yezorhwebo. Ukuba uqala ukusuka kwi-zero, ukhetho olungcono yiSicwangciso soBwabiwo, esikuvumela ukuba utyalomali ngokuzenzekelayo kwishedyuli ye-$ 3.95 nganye yotyalomali.
Musa ukulibala 401 yakho (k)
Ukuba usebenzela inkampani enika i- 401 (k) isicwangciso , idola lakho lokutshala imali lichithwa ngokuzenzekelayo kwi-paycheck yakho. Akuyi kutyalombela nayiphi na into ekulondolozeni. Enyanisweni, awukwazi ukutyalomali kwi-401 (k) ekulondolozeni, njengoko zonke iimali ziya ngqo ngqo kwi-401 yakho (k) - kunye notyalo lwakho olukhethiweyo-ukusuka kwintlawulo yokuhlawula imali.
Kwiminyaka engama-401 (k) iakhawunti, ukhetha ipesenteji yakho yotyalo-mali ofuna ukuyifumana kwi-fund ngayinye. Yonke imihla yokuhlawula, ipesenteji ye-payroll yakho ityalwe ngokuzenzekelayo, ngokubanzi ukuya kuma-15 ekhulwini lakho lokuhlawula. Hlola kwesebe lenkampani yakho yoluntu ukuze ufunde kabanzi.