Moneybox: Kungani Isebenza Ekwakheni Inotho Ngokuzenzakalela

#Quasa #QUA #moneybox

I-Moneybox luhlelo lokusebenza lwase-UK lokonga lokutshala imali olwenzelwe ukunceda abantu ukuthi baqalise ngemali encane njalo baqhubeke bekwenza kokuphela. Isici sayo esiyingqayizivele se-Round-Ups sitshala ngokuzenzakalela intshintshi eseleyo emalini esetshenziswa nsuku zonke. Uhlelo lolu lugoqela ukonga imali, ama-Stocks & Shares ISAs, ama-Lifetime ISAs (athandwa kakhulu ekuqongeleleni imali yokuqala yokuthenga indlu yokuqala, ehambisana lebhonasi kahulumende), ama-Junior ISAs, lempentsheni (SIPP). Abaqalayo bangakhetha amaqoqo alula okutshalwa kwemali okuqalisa ngawo (Cautious, Balanced, Adventurous), kuthi abanye bengeze izikhwama zokutshala imali, ama-ETFs, kanye lenhlobo ezimbalwa zamasheya ase-US. Izindleko zivame ukugoqela imali encane yokubhalisa yenyanga kanye lephesenti elikhokhelwa inkundla, kuthi ezinye izindleko zingakhokhiswa nxa imali egcinwe njengokheshi kumbe etshaliweyo isithe xaxa.

I-Moneybox ibafanele kakhulu abonga imali e-UK labatshala imali okokuqala abafuna uhlelo olulodwa olugoqela konke ukuze bafeze izinhloso ezifana lokuthenga indlu yokuqala, ukulungiselela ukuthatha umhlalaphansi, kumbe ukwakha umkhuba wokutshala imali kungelamathuluzi okuthengiselana ayinkimbinkimbi.

Okuqakathekileyo

• Ukusekelwa kwe-Lifetime ISA kulabo abathenga indlu okokuqala
• Indlela yokusebenza egxile ezinhlosweni lokufakwa kwemali ngokuzenzakalela
• Uhlelo lwamaselula oluhleleke kuhle njalo olulinganiswe ngezinga eliphezulu
• Imikhiqizo yokonga imali lokutshala imali endaweni eyodwa
• Ulimi olulula kwabaqalayo lezindlela zokukhetha esezilungisiwe

Okungadinga Ukucatshangelwa

• Izindleko ezihlanganisiweyo (£1/month + iphesenti lenkundla % + izindleko zesikhwama sokutshala imali) zingaba zinengi nxa imali egciniweyo incane
• Izindlela zokukhetha ukutshala imali zilutshwana kulezo ezitholakala kubaxhumanisi bokuthengiselana abanika usizo olupheleleyo
• Kayenzelwanga ukuthengiselana kokuphela kumbe ukukhetha phakathi kwamasheya ezinkampani ezinengi ezitshiyeneyo zase-UK
• Inika inzuzo engcono kakhulu ngemali oyikhokhayo nxa usebenzisa ama-ISAs/LISA njalo ugcina imali eyaneleyo

Isinqumo Sokucina: izinkanyezi ezingu-4.4/5

I-Moneybox ingenye yezinhlelo zokusebenza zase-UK ezilula kakhulu ukuziqalisa kubantu abafuna ukonga lokutshala imali ngokuzenzakalela. I-Round-Ups le-Lifetime ISA kuyenza ibe lusizo kakhulu kwabaqalayo lakulabo abongela indlu yokuqala, nxa nje indlela izindleko ezibekwe ngayo ikwenelisa njengoba imali yakho ikhula.

Qalisa: https://quasa.io/projects/moneybox