Ƙayyade hanya mafi kyau don fara tafiyar zuba jari na iya zama ƙalubale, musamman ga sababbin masu zuba jari. Abin godiya, fasaha ta sauƙaƙe saka hannun jari ta hanyar gabatar da ƙa'idodin abokantaka masu amfani don sabbin masu saka hannun jari waɗanda ke taimakawa haɓaka arzikinsu.
Shahararrun aikace-aikacen ciniki suna haɓaka. Waɗannan ƙa'idodin suna taimaka muku musanya hannun jari da sauri, bin diddigin ci gaban asusun ku da samar muku da albarkatun ilimi don taimaka muku koyo game da kasuwanni.
Ga manyan manhajoji guda biyar na ciniki da Nachgefragt.net ke ba da shawarar ga sabbin masu zuba jari.
Mu shiga ciki!
Invstr
Invstr ƙaƙƙarfan ƙa'ida ce wacce ke ba sabbin masu saka hannun jari hanyar shiga hannun jari, musamman idan kun kasance masu sha'awar wasa. Wasan hannun jari na fantasy yana samuwa a cikin app ɗin, inda kuke sarrafa babban fayil ɗin hannun jari na dala biliyan 200 da sauran saka hannun jari, tare da samun damar kallon masu saka hannun jari.
Idan kun kasance sabon mai saka jari, wannan shine mafi kyawun app don gwada saka hannun jari kafin amfani da kuɗi na gaske. Kuna iya saukewa kuma kuyi rajista tare da wannan app kyauta, kuma yana da tarin albarkatun ilimi daga Invstr Academy. Yana yiwuwa a fara saka hannun jari a cikin ƙananan hannun jari tare da ƙarancin $1 tare da Invstr.
ribobi
- Ba dole ba ne ku yi kasada da kuɗin ku don fara saka hannun jari
- Samun damar zuwa kayan ilimi
- Samuwar babbar al'ummar saka hannun jari
- Kyakkyawan aiki da fahimtar fayil
fursunoni
- Kuna iya gudanar da kasuwanci iyaka a cikin rana ɗaya kawai
- Yana iyakance saka hannun jari zuwa hannun jarin Amurka kawai
- Yana buƙatar kuɗi da yawa
Acorns
Acorns wani ingantaccen app ne na saka hannun jari tare da ginannen mai ba da shawara na Robo don taimakawa masu farawa saka hannun jarin ƙarin kuɗin su. Wannan app yana da amfani ga sabbin masu saka hannun jari saboda yana basu damar saka hannun jari. Ma'anar ƙananan saka hannun jari na nufin saka hannun jari kaɗan akai-akai domin gudunmawar ku ta taru akan lokaci.
Ta hanyar fasalin Acorns'Round-Ups®, zaku iya saka hannun jari ta hanyar ɗaukar canjin canji da saka hannun jari a cikin bambance-bambancen ETFs. Kuna buƙatar haɗa katin kuɗi / katin kiredit zuwa asusun Acorns ɗin ku, sannan app ɗin zai tattara siyayyar ku ta atomatik don ƙara kuɗi zuwa asusunku. Amfani da wannan app, zaku iya saka hannun jari a cikin hannun jari daban-daban a hannun jari da ETFs.
ribobi
- Yana ba da damar saka hannun jari ta atomatik na canji na sayayya daga sayayya
- Yana da mai ba da shawara na Robo a ciki
- Samuwar albarkatun ilimi
fursunoni
- Cajin kuɗin wata-wata akan duk asusun
- Ba shi yiwuwa a gina fayil ɗin ku
Ingantacce
Betterment yana ɗaya daga cikin mafi kyawun aikace-aikacen saka hannun jari waɗanda ke taimaka muku cimma burin saka hannun jari. Wannan app ɗin yana da fasalin saka hannun jari mai sarrafa kansa, shirin ritaya, da girbin asarar haraji a farashi mai araha.
Wannan kyakkyawan ƙa'ida ce ga sabbin masu saka hannun jari saboda tana sarrafa kuɗin ku, cinikai, saka hannun jari, da sake daidaita fayil ɗin ku, amma dole ne ku kasance a shirye ku kashe ɗan kuɗi kaɗan akansa. Betterment yana zuwa tare da tsare-tsaren saka hannun jari guda biyu: dijital, wanda ke ɗaukar 0.25% na ma'auni, da ƙimar da ke cajin 0.4% na ƙimar ku.
ribobi
Yana ba da saka hannun jari ta atomatik
Ingantacciyar farashi mai araha
Yana ba da shawara kan yadda ake adana kuɗi daga haraji
Yana ba da jagorar zuba jari
Kuna iya samun kuɗin kuɗin ku bayan siyayya a samfuran da aka zaɓa
fursunoni
- Yana cajin kuɗin wata-wata akan duk asusun
- Rashin kuɗin gidaje
- Babban asusun ya ƙunshi mafi ƙarancin ma'auni
Stash
Stash kyakkyawan app ne ga sabbin masu saka hannun jari masu son koyo game da saka hannun jari cikin sauri. Wannan app yana haɗa wasanni da abubuwan ilimantarwa don sanya shi daɗi da sauƙin koyon batutuwan kuɗi. Stash yana ba ku damar saita maƙasudi bisa ga abin da kuke son cim ma, kuma kuna iya bin diddigin ci gaban ku.
Bugu da ƙari, wannan app ɗin yana ba ku shawarwari don gina fayil kuma yana ba ku damar saka hannun jari a hannun jari ko ETF tare da kowane adadin kuɗi. Lokacin da ka yi rajista don Stash a matsayin sabon memba kuma ka saka kusan $5 a cikin Fayil ɗin Keɓaɓɓu, wannan app ɗin yana ba ku $10 wanda zaku iya amfani da shi don saka hannun jari na farko.
ribobi
- Arzikin kayan ilimi
- Kuna samun yanki na keɓaɓɓen shawara kan saka hannun jari bisa binciken haja
- Ana saka hannun jari ta atomatik
- Yana goyan bayan hannun jari na juzu'i
fursunoni
- Babban kuɗin wata-wata
- Ba ya goyan bayan girbin asarar haraji ta amfani da wayayyun fayiloli
ally
Ally cikakken zaɓi ne ga sabbin masu saka hannun jari waɗanda za su so saka hannun jari a hannun jari da shaidu. Wannan app yana amfani da ainihin bayanai don ba ku damar kasuwanci daga ko'ina kuma a kowane lokaci. Tare da Ally, zaku iya samun dama ga ETFs, shaidu, da kuɗin juna.
The Ally app ne mai sauƙin amfani, sannan baya buƙatar kowane ƙaramin ma'auni don aiki.
ribobi
- Hannun jari da zaɓuɓɓuka marasa hukumar
- Baya buƙatar ƙaramin ma'aunin asusu
- bonus
fursunoni
- Kadan kayan aikin ciniki
kasa line
Bukatar aikace-aikacen saka hannun jari yana da yawa a kwanakin nan yayin da mutane da yawa ke neman hanyoyi daban-daban don saka kuɗin kuɗin su.
Idan kuna ɗaukar matakanku na farko a cikin tafiyar saka hannun jari, ba lallai ne ku damu ba, saboda ƙa'idodin abokantaka na sama zasu taimaka muku saka kuɗin ku. Waɗannan ƙa'idodin, musamman waɗanda ke tare da Robo-advisors kuma suna da wadatar kayan ilimi, sune mafi kyawun sabbin masu saka hannun jari.
