Iluphi uhlelo lokusebenza lokutshala imali olungcono kakhulu?

Kunezizathu eziningi zokuthi kungani abantu bangadinga uhlelo lokusebenza lokutshala imali. Abanye abantu bangase badinge uhlelo lokusebenza oluzobasiza ukulandelela ukutshalwa kwezimali kwabo, kanti abanye bangase badinge uhlelo lokusebenza oluzobasiza ukuthi benze ukwaziswa okwengeziwe izinqumo zokutshala izimali. Ukwengeza, abanye abantu bangase badinge uhlelo lokusebenza oluzobasiza bahlale benolwazi lwakamuva ngezindaba zakamuva zokutshalwa kwezimali.

Uhlelo lokusebenza lokutshala izimali kufanele lunikeze abasebenzisi ngamathuluzi ahlukahlukene nezisetshenziswa zokubasiza benze izinqumo zokutshala izimali benolwazi. Uhlelo lokusebenza kufanele lubandakanye izici ezivumela abasebenzisi ukuthi balandelele ukusebenza kwephothifoliyo yabo, ukufinyelela iseluleko sezezimali esivela kochwepheshe, futhi uxhumane nabanye abatshalizimali. Ukwengeza, uhlelo lokusebenza kufanele lunikeze isixhumi esibonakalayo esisebenziseka kalula futhi esibukekayo.

Uhlelo lokusebenza oluhle kakhulu lokutshala imali

Wealthfront

I-Wealthfront inkampani yokuphatha ingcebo enikezela ngemikhiqizo namasevisi okutshalwa kwezimali kubantu ngabanye nasemindenini. I-Wealthfront iphatha imali yamakhasimende ayo ngenhlanganisela ye-mutual funds, ama-ETF, nezibambiso ngazinye. Le nkampani yasungulwa ngo-2009 ngu-Adam Neumann noDavid Siegel. I-Wealthfront inezimpahla ezingaphezu kwezigidigidi ezingu-$5 ezingaphansi kokuphathwa kusukela ngomhla ka-31 Disemba 2016.

Ukwenza ngcono

I-Betterment inkampani yobuchwepheshe bezezimali enikezela ngamathuluzi ahlukahlukene ukusiza abantu bonge izinhloso zabo zezezimali zesikhathi eside. Umkhiqizo ohamba phambili wenkampani, i-Betterment, usiza abantu ukuthi bonge imali yokuthatha umhlalaphansi, ikolishi, nezinye izindleko ezibalulekile. I-Betterment iphinde inikeze uhlu lwamathuluzi ukusiza abantu balandelele izimali zabo futhi benze izinqumo ezingcono ngemali yabo.

Inhlokodolobha Yakho

I-Personal Capital yinkampani yesoftware yezezimali esiza abantu ukuthi bonge futhi batshale imali yabo. Le nkampani inikeza amathuluzi ahlukahlukene ukusiza abantu ukulandelela izimali zabo, okuhlanganisa i-portfolio tracker, umhleli womhlalaphansi, kanye nesibali sokunciphisa izikweletu. I-Personal Capital iphinde inikeze isilingo samahhala sezinsizakalo zayo.

Acorns

Ama-acorn wuhlobo lwamantongomane akhula ezihlahleni ze-oki. Ama-acorns mancane, ayindilinga, futhi anegobolondo eliqinile. Ngaphakathi kwegobolondo kukhona uhlamvu lommbila. Ama-acorn adliwa yizilwane, njengezingwejeje, izinyamazane namabhere.

I-Betterment Premium

I-Betterment Premium iwuhlelo lwezezimali kanye nesevisi yokutshalwa kwezimali ehlinzeka ngezinketho zokutshala izimali ezihlukahlukene, okuhlanganisa izimali ezihlanganyelwe, izimali ezihwebelana ngokuhwebelana (ETFs), nezitoko ngazinye. I-Betterment iphinde inikeze uhlu lwamathuluzi ukusiza abasebenzisi balandelele utshalomali lwabo futhi benze izinqumo ezinolwazi. I-Betterment Premium itholakala kubantu okungenani abaneminyaka engu-18 ubudala futhi abane-akhawunti nebhange noma esinye isikhungo sezezimali.

Abacebisi be-Wealthfront

I-Wealthfront Advisors iyinkampani ehlela izimali kanye nokuphatha ukutshalwa kwezimali ehlinzeka ngohlu lwezinsizakalo ukusiza abantu balondolozele ikusasa labo. I-Wealthfront Advisors inikeza iseluleko esiqondene nawe kanye nezincomo zokutshala izimali ngokusekelwe esimweni sakho sezezimali esiyingqayizivele, imigomo, nokubekezelela ubungozi.

I-Wealthfront Advisors yasungulwa ngo-2009 ngu-Adam Neumann no-David Siegel. I-Wealthfront ikomkhulu layo eSan Francisco, eCalifornia.

Tshala imali manje

I-Invest Now yinkampani ehlela izimali kanye nokuphatha ukutshalwa kwezimali esiza abantu ukuthi balondolozele ikusasa labo. Banikeza izinsiza ezihlukahlukene, okuhlanganisa ukuhlela umhlalaphansi, ukuhlela izindlu, nezeluleko zokutshala izimali. Baphinde banikele ngemikhiqizo ehlukahlukene yokutshala izimali, okuhlanganisa izimali ezihlanganyelwe, amasheya, namabhondi. Banethimba labeluleki bezezimali abangakusiza ukuthi ukhethe ukutshalwa kwezimali okufanele izidingo zakho.

I-FutureAdvisor

I-FutureAdvisor isekelwe kuwebhu Ithuluzi lokuphatha ezezimali lomuntu siqu elisizayo abasebenzisi balandelela indlela abasebenzisa ngayo imali, bonge imali, futhi benze izinqumo ezingcono zezimali. Ithuluzi lihlinzeka abasebenzisi ngamathuluzi ahlukahlukene okubasiza ukuphatha izimali zabo, okuhlanganisa a umhleli wesabelomali, isilinganisi sezikweletu, nesilandeleli sokutshala izimali. I-FutureAdvisor futhi inikeza izinsiza ezihlukahlukene ukusiza abasebenzisi ukuthi bafunde kabanzi mayelana nezimali zomuntu siqu futhi benze izinqumo ezingcono zezimali.

I-Acorns Investment

I-Acorns yinkampani yobuchwepheshe bezezimali esiza abantu ukuthi bonge futhi batshale imali. I-Acorns inikeza a uhlelo lokusebenza lweselula, iwebhusayithi, kanye ne-akhawunti yokutshala imali ngaphandle kwezimali. I-Acorns itshala imali yakho ezitokweni ezihlukahlukene, amabhondi, nama-ETF. Ungasebenzisa futhi i-Acorns ukukhokha izikweletu zakho, ukuthenga igrosa, nokunye.

Izinto okufanele uzicabangele lapho ukhetha uhlelo lokusebenza lokutshala imali

-Uhlelo lokusebenza kufanele kube lula ukuyisebenzisa futhi uzulazule.
-Uhlelo lokusebenza kufanele lunikeze ulwazi oluningiliziwe mayelana nezinhlobo ezahlukene zokutshala izimali ezitholakalayo.
-Uhlelo lokusebenza kufanele lunikeze amathuluzi ahlukahlukene ukusiza abatshalizimali balandelele ukutshalwa kwezimali kwabo futhi benze izinqumo ezinolwazi.

Izici Ezinhle

1. Ikhono lokulandelela ukusebenza kwephothifoliyo yakho ngokuhamba kwesikhathi.
2. Ikhono lokusetha izexwayiso uma ziqinisekile amasheya noma izimali zifinyelela a iphuzu lentengo elithile.
3. Amashadi asebenzisanayo abonisa ukusebenza kwesitoko ngasinye, ama-mutual funds, nokunye ukutshalwa kwezimali ngokuhamba kwesikhathi.
4. Amathuluzi asebenzisanayo akusiza ukuthi wenze izinqumo ezingcono zokutshala izimali, njengamathuluzi okuhlaziya ubungozi kanye nezibali zokuhlela zokuthatha umhlalaphansi.
5. Ikhono loku xoxa nomeluleki wezezimali noma abanye abatshalizimali ngesikhathi sangempela ukuze uthole izeluleko zokuthi ungayitshala kanjani imali yakho kangcono

Uhlelo lokusebenza oluhamba phambili

1. Ukusebenza okungcono: Izinhlelo zokusebenza eziningi zokutshala zinikeza ukusebenza okungcono kunokwesiko ama-akhawunti okuhweba. Zingasebenza kahle kakhulu ku ukulandelela iphothifoliyo yakho nokwenza ukuhwebelana, okungaholela ekubuyiseni okungcono.

2. Iseluleko somuntu siqu: Ezinye izinhlelo zokusebenza zokutshala zinikeza iseluleko somuntu siqu esivela kubahleli bezezimali abaqinisekisiwe, abangakusiza wenze izinqumo ezihlakaniphile mayelana nokutshalwa kwezimali kwakho.

3. Okunethezeka: Izinhlelo zokusebenza eziningi zokutshala izimali zilula futhi kulula ukuzisebenzisa, ngakho ungakwazi ukulandelela iphothifoliyo yakho futhi wenze uhwebo ngaphandle kokuthi udlule kumdayisi.

Abantu futhi bayayifuna

ukutshala imali, amasheya, ama-mutual funds, ama-ETFsapps.