Unokuqalisa Ukutshala imali namhlanje ngeeDola ezimbalwa nje
IziCwangciso zokuThengwa kweNgcaciso
Ukuba utyalo-mali kwiinkampani eziziinjongo zakho, unokufuna ukucwangcisa iziCwangciso zokuThengiswa ngqo , okanye i-DPP ngokufutshane.
Njengoko igama labo libonisa, uthengisa ezi sitokhwe ngqo kwiinkampani. Ayikho i-akhawunti ye-brokerage, akukho mphakathi, kwaye usebenza ngokuthe ngqo nekampani ebeka isitokisi. Enye inkcazo kukuba akuyiyo yonke inkampani inika i-DPP ukwenzela ukuba ungancinci ekukhethiweyo kwakho.
Iinkampani azivunyelwe ukuba zivakalise izicwangciso zabo zokuthenga ngokuthe ngqo, ngoko kuya kukufumana. Mhlawumbi kufuneka uchithe ixesha elincinane ukutyelela iwebhusayithi yenkampani kwaye ukhangele kwicandelo lobudlelwane babo boomatshini ukuqinisekisa ukuba ngaba banganikeli isicwangciso sokuthenga ngqo kunye nendlela yokuqalisa.
Inzuzo yangempela ye-DPP kukuba awukhokha ikhomishini ephezulu kumthengisi kwaye unikwe amandla okuthenga amaqhezu ezabelo. Ngokomzekelo, yitsho inkampani ofuna ukutshala kuyo ukurhweba kwi-100 yeesabelo ngasinye kodwa unayo i-$ 50 kuphela ekutyala imali okwangoku. Ewe, ngokusebenzisa i-DPP unokuhlala uthenga isigxina sesabelo kwaye ke unokuqhubeka nokusebenzisa imali encinane yemali ukuthenga izabelo ezingaphezulu kwexesha.
Awukwazi ukwenza oku kunye nomthengisi wendabuko.
AbaRhwebi bavumela ukuTyalwa kweNcinci
Enye indlela yokuqalisa ukutyalomali nemali encinci yemali kukuba ubhalisele into efana ne-ShareBuilder nge-ING Direct. Kuba nje nge-$ 4 ungenza isicwangciso- mali sokuzenzekelayo esiza kukunceda uqale ukwakha iphothifoliyo yakho.
Hlalani nikhumbule ukuba banokumisela imingcele yemingcele kunye nemirhumo, kodwa ngokuqhelekileyo uthetha, kuyindlela enhle yokuqalisa ukutshala imali namhlanje ngaphandle kwemali eninzi.
Benzisa ii-ETF
Ukucinga ngokutyalomali kwinto efana ne-fund fund ukuze ukwazi ukufezekisa ukuhamba ngokukhawuleza kodwa ungenayo idiphozi ephezulu yokwenza ukuba kwenzeke? Unokufuna ukuqwalasela ukuthenga amasheya e-ETF. Ngokungafani nesikhwama sokubambisana esingasenza utyalo-mali obuncinci, ii-ETF zirhweba njengezitokisi. Bafumana intengo yesabelo esithile kwaye banokuthengwa malunga nanoma yimuphi umthengisi. Ngoko, nge-ETF ungathengela izabelo ezimbalwa nje ngokuba unayo imali eyaneleyo yokuthenga izabelo.
Kodwa i-ETF ayifani ngaphandle kweingxaki. Ngenye, kufuneka uthenge izabelo ezipheleleyo ngaphandle kokuba wenze njalo nge-akhawunti njenge-ShareBuilder. Okwesibini, uya kuhlawula ngokuqhelekileyo ikhomishini yokurhweba rhoqo xa wenza ishishini. Ekubeni iikomishoni ziyakwazi ukuqhutyelwa ngaphaya kwe $ 4.50 ukuya kwii-11 ezi zinto zingadla ngokukhawuleza imali yakho. Kodwa ukuba uthenga ii-ETs rhoqo rhoqo kwaye unomlinganiselo omncinci wemali unokugcina ixabiso lakho lokuthengisa lihla.
IiNkampani zeeNgxowa-mali eziNcinane
Enye yeenkampani ezinkulu kunye neyaziwayo ezingenayo imithwalo yekhredithi ngaphandle kweVanguard.
Kodwa ucinga ntoni? Ngenxa yemali yabo emininzi badinga imali engama-3 000 eyimali-mali encinci ukuqala. Kubantu abaninzi banokuthabatha phantse unyaka ukugcina olo hlobo lwemali ukuba batyala imali yokuqala, kwaye oko kukuthenga enye imali kuphela! I-Vanguard ayikho yodwa kwaye ininzi yeenkampani ezinkulu zeengxowa-mali zinomlinganiselo osisiseko wokutsalwa kotyalo-mali
Ngenhlanhla, kukho ezinye iintsapho ezingekho mthwalo ngaphandle kwenkxaso-mali nabasetyhini kwaye abayibeki umda ophezulu. Ngokomzekelo, unokwenza uCharles Schwab onika imali engaphantsi kwama-100 engamaxabiso angabikho kwemithwalo , kunye neT. Rowe Price engenayo ubuncinci kwiimali zabo ukuba uvula i-akhawunti kunye nabo. Ezi ziinkalo zimbini zezindlu eziphantsi kweendleko ezenza ukuba kube lula kumtyalo-mali omtsha ukuba aqalise.