Nokuba ujonge ukongeza umvuzo wakho kungekudala, okanye ucinga ixesha elide malunga nemali yakho, isicwangciso esiliqili sokutyala imali yindlela entle yokukhulisa imali yakho ngokuhamba kwexesha. Oko akuthethi ukuba ifuna ukoyikisa, nangona!
Utyalo-mali lubhekisa kukubeka imali yakho kwi-asethi enokuthi ikhule kwaye ivelise ingeniso, okanye ubonelele ngezinye iinjongo zezemali ezantsi kwendlela, ezinje ngemfundo yasekholejini, umhlala phantsi, kunye nokuthengiswa kwezindlu, uJulie Prince, umcebisi kulawulo lobutyebi UMntla-ntshona weMutual , uxelela iTherapy Therapy. Kubandakanya ukuthatha umngcipheko, ikakhulu kwistokhwe okanye kwimarike yebhondi, kwaye mhlawumbi uphulukane nolunye lotyalo-mali lwakho lokuqala, endaweni yokufumana ithuba lokufumana ingeniso kwimali okanye 'inqununu' oyityalileyo.
Ngelixa nabani na onemali angayisebenzisiyo imali yakhe kwimarike yemasheya, uChris Davis, ingcali yotyalo mali INerdWallet , ithi oko akuthethi ukuba wonke umntu kufuneka. Ukutyala imali kuyingozi, kwaye kuya kufuneka utyale imali kuphela ongayi kuyidinga ixesha elide, yithi iminyaka emihlanu okanye nangaphezulu, uyachaza. Ukuba sele wenze imali eyoneleyo kunye nolondolozo olungxamisekileyo kwaye uyayiqonda imingcipheko, ukwenza utyalomali kunokuba yindlela exabisekileyo yokukhulisa imali yakho kwixesha elide.
Ukunyuka kotyalo-mali kwii -apps ezisebenziseka lula kuye kwaguqula isenzo esoyikisayo sokutyala imali kwinkqubo elula, ethe ngqo onokuziqhelanisa nayo kwi-smartphone yakho. Nangona kunjalo, u-Priya Malani, umseki kunye ne-CEO ye Ubutyebi beStash uthi abatyali zimali kufuneka bathathe ixesha lokuphanda kwaye bafunde iintambo zotyalo mali ngaphambi kokuxhomekeka kwii -apps zengeniso yexesha elizayo. Ukufunda indlela yotyalo-mali ‘ngokuntywila inzwane emanzini’ kufana nokuzama ukufunda ukudada ngaphandle kokungena echibini, uyalumkisa. Ngokuqinisekileyo, unokuyiqengqa idayisi kwaye uphumelele kwii -apps, kodwa ngaphandle kwemfundo efanelekileyo malunga nento oyenzayo, ukutyala imali ngeapps kuba ngumdlalo ngemali yokudlala kunendlela yokwenza isicwangciso sokufezekisa phakathi kunye nexesha elide- iinjongo zekota.
Ngaphambi kokuba uqalise:
Kubalulekile ukuba ukhumbule ukuba akukho sicwangciso sotyalo mali- nokuba kungokusebenzisa iapp okanye umcebisi-bubungqina bobungozi. Qiniseka ukuba ucinga ngokunyamezelana nomngcipheko, kungenjalo waziwa njengokwazi ukutyala imali kumandla otyalo mali.
Ngokubanzi, ixesha elide kutyalo-mali lwakho, umngcipheko onokuwuthatha, utshilo uDavis. Umzekelo, umtyali mali omncinci onengxowa-mali yomhlala-phantsi abaceba ukuyenza (kodwa angayichukumisi) kangangeminyaka engama-30 anokwabela uninzi lweepotifoliyo zabo esitokisini, kuba baya kuba nexesha elininzi lokukhwela nakweyiphi na ukwehla kwaye basebenzise yokuchacha.
Ukunciphisa amathuba akho okuphulukana nemali xa utyala imali, uDavis ucebisa ukuba usebenze nomcwangcisi wezemali ukwenza isicwangciso sokutyala ngokuthe ngqo onokuthi unamathele kuso. Ukutsalela umnxeba kumcebisi wezezimali kunokukuzisela uxolo olukhulu lwengqondo xa useta isicwangciso-mali sexesha elide, utshilo. Nokuba ukhangela isicwangciso semali esisodwa ukuze uqalise ngokuzithemba, okanye ujonge umcebisi oza kukukhokela apha endleleni, abacwangcisi bezemali banokukunceda ukuba uphucule inkcitho yakho kunye neendlela zokonga ngelixa ujonga iiasethi zakho.
Ukuba awunomdla wokubonisana nomcebisi wezezimali, uDavis uthi abatyali mali banokusebenzisa thengisa ii-odolo zomda , ezizenzekelayo ngokuzenzekelayo kwintengiso ngexabiso elichaziweyo, ukuzikhusela kwi-spikes ngesiquphe kumaxabiso esitokhwe. Oku kukwafaka impembelelo yeemvakalelo kutyalo-mali, uyacacisa.
Gcina Ncamathisela Bona eminye imifanekiso Ityala: PM Imifanekiso / imifanekiso kaFetty
Ngaba ujonge usetyenziso olunomnqweno wokuqalisa ukukunceda nokuba uqalise, okanye uzive ukhululekile kutyalo mali? Ukusuka kwizicelo zotyalo-mali ezijolise kwinjongo ukuya kuthi ezityala ngokuzenzekelayo utshintsho lwakho olungelulo, nazi ii -apps ezintlanu ezithi iingcali zenze ukufunda ukwenza utyalo-mali lomoya.
Uphuculo
Ukuba uyayithanda imbono yokutyala imali kwiinjongo zexesha elide, njengemoto entsha okanye iholide enexabiso, ukukunceda ukuba ukhululeke ngakumbi ngale nkqubo, uMalani ucebisa ukuba Usetyenziso olungcono , Otyala imali yakho ngokusekwe kwiinjongo onqwenela ukufeza, uyachaza.
Ukuphucula kuqala ngokubuza abasebenzisi abatsha uthotho lwemibuzo, ukusukela kubudala babo kunye nengeniso yonyaka kwizicwangciso zexesha elizayo, kwaye usetyenziso luzakuphakamisa iinjongo ezimbalwa zotyalo-mali ngokubanzi ngokusekwe kwiimpendulo. Kwinjongo nganye ephakanyisiweyo, ukuBonelelwa kokuBonelelwa ngeethagethi ekhuthazwayo kunye nolwabiwo lweasethi, onokulungelelanisa njengoko kufuneka Injongo kukutyala ngengqondo unike umntu imeko yezemali eyahlukileyo. Iapps yabo isebenza njengehabhu lalo lonke ulwazi lwakho lwezezimali, kwaye ikunika amandla okwenza iiakhawunti zakho ngokusekwe kwinto ongathanda ukuyithenga kunye nabo, ucacisa uMalani.
Ukuphucula kukwaqwalaselwa njengesixhobo sokuhlawula imali ephantsi: Akukho mali incinci yeakhawunti efunekayo ukuze ujoyine, kwaye uya kuhlawuliswa kuphela iipesenti ezingama-0.25 ngayo nayiphi na impahla ekhoyo ngoku ephantsi kolawulo lwabo ngonyaka.
Stash
Eyilelwe ukulungiselela abatyali mali, u-Davis uthi Inkqubo yeStash yenza lula inkqubo yokukhetha utyalo-mali, ngakumbi isitokhwe kunye neengxowa-mali ezithengiswayo (ii-ETFs), kubaqalayo. UStash wophula ukungunda ngazo zonke iindlela ezipholileyo, uyachaza. Ikhokela abasebenzisi ngenkqubo yokukhetha utyalo-mali, ikuncede uthathe isigqibo sokuba loluphi utyalomali ekufuneka lube ngumqolo wepotifoliyo yakho, kwaye icacisa umngcipheko wotyalo-mali ngokucacileyo.
Ukunceda abatsha bafunde indlela yokutyala imali yabo, iapps ibuza abanini akhawunti abatsha imibuzo embalwa ukumisela iinjongo zabo kwaye ukunyamezela kwabo umngcipheko. Insiza emva koko ivelise uluhlu lweempahla eziphakanyisiweyo kunye nee-ETF zokujonga ukutyala imali.
Ngelixa inkonzo ingadingi ubuncinci beakhawunti ukuvula ipotifoliyo yobuqu, uDavis uthi kukho i- $ 1 ukuya kwi-9 yeedola ngenyanga yokugcina iakhawunti. Ubume bemirhumo bohlukile kancinci kwaye bunokuqwalaselwa njengobuphakamileyo, kodwa indlela ethe ngqo yemali-etheko ngokuqinisekileyo ilula kubaqalayo ukuqonda, uyachaza.
Ithetha ntoni i1212
Indawo yezobutyebi
Buza nawuphi na umtyali mali onamava kwaye baya kuthi ngokufanayo: Isicwangciso esiliqili sotyalo mali sesinye kubandakanya iphothifoliyo eyahlukeneyo. Yiyo loo nto uMalani ekholelwa oko Indawo yezobutyebi sisixhobo esomeleleyo sabaqalayo abanethemba lokutyala imali kuluhlu lweempahla kunye notshintshiselwano ngemali. I-Wealthfront izenzekelayo kwimali yakho ukuze ukwazi ukwakha iphothifoliyo epheleleyo phantsi kwesicelo esinye, endaweni yokusasaza ulwazi lwakho lwezezimali kwiiapps ezininzi azicacisayo.
Indawo yezobutyebi iphinda isebenzise iphepha lemibuzo ukuvavanya ukunyamezelwa komngcipheko womsebenzisi emva koko ivelise uluhlu lweengcebiso zotyalo-mali, ukusuka kwizitokhwe zangaphandle ukuya kwezorhwebo. Banikezela ngemirhumo yolawulo ephantsi yonyaka, wongeza Malani. Kodwa loo mali ye-0.25 yepesenti iza nokubanjwa: Nangona kunjalo, kuya kufuneka ugcine ubuncinci be- $ 500 kwiakhawunti yakho yotyalo-mali ngalo lonke ixesha.
UCharles Schwab
Kwinkqubo yotyalo-mali engahlawulisi mali ebonelela ngolwazi lwentengiso yeestokhwe esisexesheni, uDavis uthi bajonge ngaphezulu UCharles Schwab . Ngelixa isenokunganikeli inqanaba elifanayo lokubamba ngesandla njengeapp efana neStash, abatyali zimali abasakhasayo banokufunda ngentambo ngohlelo lokusebenza lukaCharles Schwab, utshilo uDavis.
UDavis uyayithanda kakhulu i-app kaCharles Schwab kuba abasebenzisi banokufikelela kuzo zonke izixhobo zegama elikhulu elinabarhwebi abanalo, kubandakanya ukulinganiswa kwenkampani, kunye nokufumana iingxelo zexesha langempela ezivela kumashishini ophando otyalo-mali Khwezi , Ikhredithi yaseSwitzerland , I-MarketEdge , UNed Davis , kunye nokuninzi. UCharles Schwab ukwabonelela ngezabelo ezikwizabelo ze-S & P 500, ezinokunceda abatyali mali abatsha ukuba bakhe iipotifoliyo ezohlukeneyo ngendlela efikelelekayo, utshilo.
Acorn
Ukuba ungumtyali mali omtsha isezantsi imali , UDavis utsho Insiza yeAcorn inokuba sisixhobo esihle sokufunda ukonga ngokulungileyo kwaye imikhwa yotyalo-mali. Insiza inenqaku lokujikeleza oluzenzekelayo eliqokelela 'utshintsho olusecaleni' kwikhadi lakho lokuthenga ngetyala okanye lokuthenga, kwaye ikutyalomali, uyachaza. Oku kunceda abatyali mali babone amandla edipozithi rhoqo kunye nokukhula okuhlanganisiweyo.
I-Acorn iphumeza ubume bemali ethe tyaba ye- $ 1 ukuya kwi-5 yeedola ngenyanga ukugcina i-akhawunti- kodwa akukho mali ibhalansi iphantsi efunekayo. Intlawulo ephantsi yenyanga inokuba nomtsalane kubatyali mali abatsha, kodwa isenokuba ngumrhumo omkhulu xa kujongwa njengepesenti yeasethi yabatyali mali abanemali encinci, uyachaza uDavis.
