Iluphi uhlelo lokusebenza lwezezimali olungcono kakhulu?

Abantu badinga uhlelo lokusebenza lwezezimali ngezizathu ezahlukahlukene. Abanye abantu bangase badinge uhlelo lokusebenza oluzobasiza ukuthi balandelele izimali zabo ukuze bahlale bephezu kwezindleko zabo. Abanye bangase badinge uhlelo lokusebenza oluzobasiza ukuthi baphathe imali yabo kangcono ukuze bonge imali eningi. Futhi abanye bangase badinge uhlelo lokusebenza oluzobasiza bathole imalimboleko ethengekayo noma amakhadi esikweletu.

Uhlelo lokusebenza oluhlinzeka ngamasevisi ezezimali kufanele lunikeze abasebenzisi izici ezihlukahlukene, ezihlanganisa:

-Isixhumi esibonakalayo somsebenzisi okulula ukusisebenzisa nokuzulazula.
-Isistimu elandelela izimali zabasebenzisi futhi ibanikeze izibuyekezo zesikhathi sangempela.
-Isistimu evumela abasebenzisi ukuthi baphathe izimali zabo ku-inthanethi.

Uhlelo lokusebenza oluhle kakhulu lwezezimali

Mint

I-Mint yinkampani yesofthiwe eyakha imikhiqizo emisha ye ezezimali kanye nebhizinisi. I-Mint isiza abantu ukuthi bonge imali, bahlele izimali zabo, futhi bahleleke. Imikhiqizo ye-Mint isetshenziswa izigidi zabantu emhlabeni jikelele.

Inhlokodolobha Yakho

I-Personal Capital yinkampani yesofthiwe yezezimali esiza abantu ukulandelela izimali zabo futhi benze izinqumo ezingcono. Inkampani inikeza uchungechunge lwamathuluzi ahlanganisa umphathi wezezimali womuntu siqu, utshalomali tracker, kanye nethuluzi lokuhlela umhlalaphansi. I-Personal Capital iphinde inikeze isilingo samahhala sezinsizakalo zayo.

Ukwenza ngcono

I-Betterment yinkampani yobuchwepheshe bezezimali enikezela ngamathuluzi ahlukahlukene ukusiza abantu balondolozele ikusasa labo. Umkhiqizo wenkampani ohamba phambili, i-Betterment, usiza abantu ukuthi balondolozele umhlalaphansi, ikolishi, neminye imigomo yesikhathi eside. I-Betterment iphinde inikeze uchungechunge lwamathuluzi ukusiza abantu ukuphatha izimali zabo futhi balandelele ukusebenzisa kwabo.

Wealthfront

I-Wealthfront ingumeluleki wezezimali ohlinzeka ngamasevisi okutshalwa kwezimali okuzenzakalelayo ukuze asize abantu balondolozele ikusasa labo. I-Wealthfront isebenzisa amasu ahlukene okutshala imali ukuze isize amakhasimende ayo afinyelele izinjongo zawo zezezimali zesikhathi eside.

I-Wealthfront inikeza izinhlobo ezimbili zama-akhawunti: i-akhawunti ngayinye kanye ne-akhawunti ehlanganyelwe. I-akhawunti yomuntu ngamunye ngeyabantu ngabanye, futhi i-akhawunti ehlanganyelwe ingeyezithandani lapho bobabili abalingani benikela khona. Womabili ama-akhawunti anezici ezifanayo, okuhlanganisa ukufinyelela kuzinketho zethu zokutshala izimali ezingabizi kakhulu, ukulinganisa kabusha okuzenzakalelayo, nokuvuna ukulahlekelwa kwentela.

I-Wealthfront iphinde inikeze nge-akhawunti yomhlalaphansi ebizwa ngokuthi i-Wealthfront 401(k). I-401(k) ikuvumela ukuthi wonge isikhathi sakho sokuthatha umhlalaphansi ngokutshalwa kwezimali kwethu okunezindleko eziphansi. Ungakhetha phakathi kwezinketho zethu eziningi zokutshala imali, okuhlanganisa amasheya, amabhondi, nezimali ezihlanganyelwe. Futhi sinikeza umqashi iminikelo efanayo egameni lakho kufika ku-3% womholo wakho!

robo-umeluleki Wealthfront

I-Wealthfront inkampani yokuphatha ingcebo yedijithali enikeza izeluleko zokutshala izimali kanye nokuzenzakalelayo izinsiza zokutshala izimali. Le nkampani yasungulwa ngo-2008 futhi inezimpahla ezingaphezu kwezigidi eziyizinkulungwane ezimbili zamaRandi ngaphansi kokuphathwa. I-Wealthfront isebenzisa inhlanganisela yama-algorithms, ukuhlaziya ubungozi, kanye nokubona komuntu ukusiza amaklayenti ukufeza izinhloso zawo zokutshala imali.

I-Wealthfront inikeza izinhlobonhlobo zezinketho zokutshala izimali, okuhlanganisa amasheya angawodwana, ama-ETF, ama-mutual funds, nama-akhawunti omhlalaphansi. Le nkampani iphinde inikeze uhla lwezinsiza zokutshala imali ezizenzakalelayo, okuhlanganisa ukulinganisa kabusha okuzenzakalelayo kanye nokuthenga okuzenzakalelayo kanye ukudayiswa kwezibambiso. Amaklayenti we-Wealthfront angafinyelela i-akhawunti yawo ku-inthanethi noma ngohlelo lokusebenza lwe-Wealthfront.

I-Wealthfront ithole ukunconywa ngendlela yayo entsha yokuphatha ingcebo. Le nkampani ivezwe kumagazini iForbes, The Wall Street Journal, Business Insider, nezinye izincwadi.

Ukwenza ngcono

I-Betterment inkampani yobuchwepheshe bezezimali enikezela ngamathuluzi ahlukahlukene ukusiza abantu bonge izinhloso zabo zezezimali zesikhathi eside. Umkhiqizo ohamba phambili wenkampani, i-Betterment Advisor, usiza abantu ukuthi balondolozele imali yomhlalaphansi, imali yokufunda yasekolishi, nezinye izindleko ezibalulekile. I-Betterment iphinde inikeze uhla lweminye imikhiqizo, okuhlanganisa nomphathi we-akhawunti yomhlalaphansi, umphathi wohlelo lwe-529, kanye nomqeqeshi wezezimali womuntu siqu. I-Betterment inamakhasimende angaphezu kwesigidi esi-1 kulo lonke elaseMelika naseCanada.

Vanguard Personal Advisor Services

I-Vanguard Personal Advisor Services (VPS) iyisevisi yokweluleka ngokutshalwa kwezimali esekelwe enkokhelweni ehlinzeka ngezeluleko zomuntu siqu kanye nokuphathwa kwephothifoliyo kubantu ngabanye, imindeni namabhizinisi amancane.

I-VPS inikeza izinsiza ezihlukahlukene ezihlanganisa:
-Isu lokutshalwa kwezimali komuntu siqu
-Ukuhlaziywa kwephothifoliyo nokulinganisa kabusha
-Izincomo zokwabiwa kwempahla
-Ukuhlela nokulungiselela intela
-Imfundo yeklayenti

Charles Schwab Intelligent Asset Management

I-Charles Schwab Intelligent Asset Management (SCHWAB IAM) iwuchungechunge lwemikhiqizo namasevisi asiza abatshalizimali bakhe futhi baphathe iphothifoliyo yabo besebenzisa amasu ahlukahlukene okutshala imali. I-SCHWAB IAM inikezela ngamathuluzi ahlukahlukene ukusiza abatshalizimali balandelele amaphothifoliyo abo, okuhlanganisa nesikhathi sangempela idatha yokusakaza, amashadi asebenzisanayo, nemibiko yokusebenza. Le nkampani iphinde inikeze uhla lwemikhiqizo yokutshalwa kwezimali, okuhlanganisa izimali ezihlanganyelwe, izimali ezihweba ngokuhwebelana (ETFs), kanye nezibambiso ngazinye.

I-Motif

I-Motif iyincazelo ende kakhulu futhi enemininingwane yendaba yomdlalo, isilungiselelo, nabalingiswa. Ihlanganisa yonke into kusukela esimisweni segeyimu kuya emlandweni wayo wokuthuthuka.
Iluphi uhlelo lokusebenza lwezezimali olungcono kakhulu?

Izinto okufanele uzicabangele lapho ukhetha uhlelo lokusebenza lwezezimali

-Uhlelo lokusebenza kufanele kube lula ukuyisebenzisa futhi uzulazule.
-Uhlelo lokusebenza kufanele lube nezici ezahlukahlukene, kufaka phakathi isabelomali, izindleko zokulandelela, kanye nokwenza imigomo.
-Uhlelo lokusebenza kufanele lukwazi ukuxhuma kuma-akhawunti asebhange nezinye izikhungo zezezimali.
-Uhlelo lokusebenza kufanele lunikeze izibuyekezo zesikhathi sangempela kumabhalansi we-akhawunti kanye nokwenziwe.

Izici Ezinhle

1. Ikhono lokulandelela indlela osebenzisa ngayo imali nemali engenayo.
2. Ikhono lokudala ibhajethi nokulandelela inqubekelaphambili.
3. Ikhono lokubona lapho imali yakho iya khona futhi wenze izinguquko njengoba kudingeka.
4. Ikhono lokubona amagrafu omlando wakho wezezimali.
5. Amandla okuxhumana nabanye abasebenzisi ukuze uthole ukwesekwa nezeluleko

Uhlelo lokusebenza oluhamba phambili

1. Uhlelo lokusebenza lwezezimali olungcono kakhulu i-Mint ngoba kulula ukuyisebenzisa futhi lunezici eziningi.
2. Uhlelo lokusebenza olungcono kakhulu lwezezimali I-Personal Capital ngoba inezici eziningi futhi kulula ukuyisebenzisa.
3. Uhlelo lokusebenza lwezezimali olungcono kakhulu yi-Money360 ngoba lunezici eziningi futhi kulula ukuzisebenzisa.

Abantu futhi bayayifuna

-Accounting
-Ebhange
-Ezezimali
-Investmentapps.

Shiya amazwana

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