Unokuthenga i-stock ngaphandle kokuthengisa umthengisi okanye ukuba ne-akhawunti ye-brokerage
Nangona kungekho nto inokuthi indlela eyaziwayo kakhulu yokuthenga kunye nokuthengisa imali-mali, ngokuvula i- akhawunti ye-brokerage , abaninzi abatyala-mali abatsha bacela ukuba bathenge i-stock ngaphandle komthengisi. Kulabo bafuna ukuhla le ndlela ukuya kubunikazi bezoshishino, unokwenza oku ngeempumelelo ezihlukeneyo-akukho mfuneko yokuba usebenze nomthengisi ukuba utyalomali kwiisitokethi okanye ngemali-mali , ngokukodwa imali ye-equity .
Ukutyalomali ngokuthe ngqo kunika ezinye iingenelo kunye nokungalungi, okuza kuyidingeka ukulinganisela kwisimo sakho somntu, kodwa injongo yethu ekuchazeni indlela isebenza ngayo ukukunika umxholo wokubaluleka ukuze ube neendlela ezingcono zokutshala ngaphandle komthengisi ixesha ogqityiweyo lokufunda. Uya kusadingeka wenze isigqibo malunga nokuba unjalo indlela efanelekileyo ukunikezela ngeemeko zakho ezikhethiweyo kunye nezikhetho.
Unokuthenga i-stock ngaphandle komthengisi ngokutyalomali kwizabelo ngokusebenzisa isicwangciso sokuthenga esitokisini esithe ngqo
Indlela yokuqala kunye neyona ndlela ilula kakhulu yokuthenga isitoreji ngaphandle komthengisi kwiimeko apho iinkampani, amaxesha amaninzi e- blue chips , axhasa uhlobo olukhethekileyo lweprogram ebizwa ngokuba yi-DSPP, okanye iSicwangciso soThengiselo lokuThengwa kweSondlo. Ezi zicwangciso zazizalwe zizizukulwana ezidlulileyo njengeendlela zokubangela ukuba abatshali-zimali bathe bathenge ubunikazi ngqo kwiinkampani, bebesebenza nge-arhente yokudlulisa okanye isicwangciso somlawuli esinoxanduva lokujongana nemisebenzi yamaphepha ngemihla kunye nokuthengiselana.
Uninzi lwezicwangciso luya kubavumela abatyali-mali ukuba bathenge i-stock ngaphandle komthengisi ukuba bayavuma ukuba babe nexabiso elifanelekileyo elithathwe kwi-check or amount savings nganye inyanga ezintandathu (ngokuphindaphindiweyo i-$ 50 iyona nto iyamkelekileyo) okanye yenza ukuthenga kwexesha elilodwa, rhoqo ngama-$ 250 okanye i-$ 500.
Ngokuqhelekileyo, izicwangciso zabalawuli batyha imali evela kwabo bathatha inxaxheba kwisicwangciso esithengiweyo sokuthengwa kwempahla kwaye bayisebenzise ukuthenga amasheya enkampani, mhlawumbi kwiimakethi evulekileyo okanye esakhutshwa ngokutsha kwishishini ngokwalo, ngemihla emiselwe ngaphambili.
Iindleko eziqhelekileyo zokuthenga zilinganiswa okanye enye indlela isetyenziselwa ukulinganisa indleko phakathi kwabatyalo-mali kunye nesitokethi esabelwe i-akhawunti yomnini ngamnye. Njengoko ufumana isitatimenti esivela kwibhankini, isitatimende socwangciso lokuthengwa kwesitotho esithe ngqo sifike, kwiinkalo ezininzi ngekota, kunye nenani lezabelo ozibambileyo, naziphi na izabelo ozifumeneyo, kunye naluphi na ukuthenga okanye ukuthengisa owenziwe .
Ezinye izicwangciso zokuthenga ezithengiweyo zentengiso zenza i-commission-free. Abanye bahlawula imali encinci yokuthengiselana, i-$ 1 okanye i-$ 2 rhoqo kunye neentente ezimbalwa ngesabelo ngasinye, ukuthengwa nganye kunye nemali enkulu, mhlawumbi i-$ 15 kunye neesenti ezimbalwa ngesabelo ngasinye, ngokuthengiswa. Ezi ziphantsi kakhulu kunokuba uza kuhlawula umthengisi wenkonzo epheleleyo .
Unokuthenga i-stock ngaphandle komthengisi ngokusebenzisa isahlulo sokubuyisela inzala yokongeza izabelo ezongezelelweyo kwiibamba zakho
Enye indlela efanelekileyo yokuthenga isitoreji ngaphandle komthengisi ukubhalisa kwi-stock dividend program yokubuyisela imali okanye i-DRIP. Ezinye zezizathu omele uziqwalasele ngokutshala imali nge- DRIP kodwa kuya kuba luncedo ukuphinde ubuyekeze apha ukuze uqonde isibheno. I-DRIP ikuvumela ukuba uthathe isabelo semali ehlawulwa yinkampani onayo kwaye uhlanyele kwakhona ekuthengeni izabelo ezingaphezulu, ukuhlawula iimali zokumisela okanye akukho nto ngokuxhomekeke kwizinto ezithile zesicwangciso ngasinye.
Kwimpahla eqhelekileyo, enokuhlawula isahlulo sesine ngonyaka, yinto eninzi yentsebenzo kwiminyaka engama-25 okanye kwiminyaka engama-50 ongenakho ukuhlawula iikhomishini. (EUnited States, abanye abathengisi bavuselela iindleko kwimibandela ethile ngaphandle kweendleko kubaxhasi ngoko ukuba unelungelo lokuba nelungiselelo elinjalo, ukuthengwa kwempahla ngaphandle komthengisi akunakho isikhalazo esikhulu.)
Iiprogram zokubuyisela ukwahlula zivame ukudibanisa neendlela zokutsalwa kwemali ezifana nezicwangciso zokuthengwa kwezinto ezizenzekelayo ukuze uhlale uhoxiswa imali kwi-akhawunti yakho yokujonga okanye yokulondoloza, okanye uthumele kwiintlawulo zangexesha elilodwa nanini na xa uziva, mhlawumbi ungabi ncinane i-$ 25, ukuthenga ngaphezulu izabelo zesitishi kwishishini njengoko ungathenga into evela kwikhathalogi ye-imeyile.
Uninzi lwabatyali-mali bexesha elide baye baba nezakhono zokwakha ubutyebi ngeentlobo zee-akhawunti, ukuthenga isitoko ngaphandle komthengisi iminyaka, kwamashumi eminyaka; i-janitors ezishiye i-$ 8 yezigidi zenkcitho okanye ama- women's age-old asele asebehlala phantsi .
Unokuthenga isitoreji ngaphandle komthengisi ngokufumana isabelo esinye ngeenkonzo ezikhethekileyo zesipho
Kuze kube kutshanje, ungasebenzisa iinkampani ezakuvumela ukuba uthenge isabelo esinye sesitokethi ukuze ufumane igama lakho kwicandelo labanini-nxaxheba, uze ubhalise kwizicwangciso zokuthengwa kwamasheya ezivaliweyo okanye izicwangciso zokubuyisela i-dividend ezikhupha abantu abangaphandle. esitokisini. Ngelishwa, kwisigqibo soshishino lwezezimali ukushiya isitifiketi se-stock stock, le nto yinto engapheliyo. Ukuze usebenzise inzuzo, kufuneka uhlawule umthengisi wemali engama-$ 250 okanye i-$ 500 kwi-okuthiwa "intlawulo yenkathazo" yokukhupha isitifiketi sephepha. Kunoko, ubuya kuba ngcono ekuthengeni isitoreji nge-akhawunti ye-brokerage kwaye ubizwa ngokuba yi- System Registration System . Ingxaki kukuba, udinga umthengisi ukuba akwenze.
Le ngenye yezo ndawo apho ubutyebi banenzuzo ngaphezu komntu wonke. Ukuba umnini-sityebi unalo ubudlelwane kunye nenkampani yokulawula i-asethi , mhlawumbi unokufumana uMcebisi wezeNtengo oBhalisiweyo ukuba abe nomnye wabathengisi beziko leenkampani ibe nomrhweba egameni lomthengi aze alitshintshe njengesipho kumntwana okanye kwintsapho ilungu ngokusebenzisa iDSS. Umntwana okanye omnye ummkeli we-equity ngoku uya kukwazi ukuthenga isitoko ngaphandle komthengisi kuloo shishini elithile; unikezelo lokufumana kwabo ngabanokukwenza ngokulula.
Iingcamango zokugqibela ekuthengeni isitokethi ngqo ngaphandle kwe-akhawunti ye-brokerage
Le mihla, akukho sizathu sokugwema ukuvula i-akhawunti ye-brokerage. Abo banenkxalabo malunga nomngcipheko we-rehypothecation kufuneka bakhethe ukuvula i-akhawunti yemali-mboleko kuphela, kungekhona i-akhawunti yegama. Qinisekisa ukuba uhlanganiswe yi- inshurensi ye-SIPC . Ukuba uhlakaniphile malunga nefowuni osebenza kuyo kwaye uthenga kuphela izitokhwe eziqhelekileyo zasemakhaya, unokuthi uhambe kunye neendleko zokurhweba kunye neekomishini ezingaphantsi kwehambo ukuya kwintengiso yakho yekhofi.
I-Balance ayinikezeli irhafu, utyalo-mali, iinkonzo zemali kunye neengcebiso. Ulwazi lwenziwa ngaphandle kokuqwalasela iinjongo zotyalo-mali, ukunyamezela, 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.