Ita uye uchengetedze mari neiyi inofanira-ine mapurogiramu
Mazano ekutsvaga mari ari kukura kuva imwe yezvakanakisisa zvevatengi vatsva kuti vabatanidzwe mumusika wekutengesa . Uye kunyange vatengesi vanoziva vanogona kuwana mikana yekuchengetedza mari uye kuvandudza mapepafisi avo neimwe yezvinhu zviripo zvekutsvaga mari.
Kunyange iwe waimbofanira kutora foni uye kudana mutengesi kuti uite bhizimusi, iyo yakauya nekutumirwa kwepamusoro, ikozvino unogona kutora foni yako uye tora skrini yako nguva shomanana kuti ushandise pakarepo-kana kuti wakasununguka kana pane mari yakaderera.
Kunyangwe iwe uchida kutenga chikwama chako chekutanga kana wave uchichiita kwemakore, funga nezvezvikwata zvekutsvaga zvekutsvaga izvo zvakagadzirirwa kuva vatevedzeri vepamusoro muna 2018 uye mberi.
01 Best App for Free Free Trade: Robinhood
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Sir Robin weLocksley, anonyatsozivikanwa saRobin Hood, akava munhu akakurumbira wokuba kubva kune vapfumi nekupa varombo. Kana iwe uchida pfungwa yekupa simba kune wese kuti apinde mumusika wemabhizimisi, Robinhood ndiyo inosarudzwa.
Robinhood inopa mahwanda emabhizimisi emaoko. Uye "kusununguka" hazvirevi "kusununguka, asi nemari uye zvimwe zvinodhura." Mishandi ane zero commission . Ingotora purogiramu yacho, shandisa bhangi rako, mari yako yekanda, uye iwe unogona kutengesa mari isingabhadhari. Nokuda kwemaawa akawanda ekutengeserana uye marginal accounts, unogona kuvandudza kuRobinhood Gold pamutengo.
Robinhood inofanirwa kunge isina-frills iri mukutengeserana kwemari. Nemhaka yokuti havana mahofisi emafaro munyika yose, vanogona kutambira mari shoma yekushanda uye kupfuurira kuchengetwa kune varairimu vakaita sawe. Kambani inoita mari kubva kuRobinhood Gold vashandisi uye kuwana mubereko pamabhadharo emari.
02 Best App for Automated Investing: Acorns
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Kana iwe usingadi kufunga zvakawanda pamusoro pekutsvaga kwako asi uchida kugovera nguva dzose, Acorns ndiyo yakasarudzwa. Bhenganidza kubhadhara kana kadhi rechikwereti kune app uye Acorns "inotenderera" kutengeserana kwako kune imwe yenharaunda inotevera uye kuisa "spare shanduko" iwe ungadai wakagamuchira kana waibhadhara mari. Acorns inopa mari yako pakarepo mune imwe yezvikwata zvitanhatu zveTF zvinotarisirwa.
Nhoroondo dzebhadha kusvika kusvika ku $ 5,000 dzinobhadhara $ 1 pamwedzi uye nhoroondo nebhadharo inopfuura $ 5,000 inobhadhara kukwikwidza 0.25% mari. Kuvadzidzi vekukoloni ne email., Iwe unogona kushandisa Acorns pasina kwemakore kusvikira kumakore mana kubva pazuva rekubhabhatidzwa.
Mahofisi epo aripo anotarisa mari shoma-yekutengeserana mari iyo inokupai mari dzakasiyana-siyana pasina guru guru kutanga. Mamiriyoni mashoma madhora kuno neapo anowedzera, uye Acorns inoita kuti zvive nyore kuisa pamadhora maduku.
03 Best App yekudzidza pamusoro pekutsvaga: Stash
Isai uye Tanga Kutengesa Ne Stash Iye zvino
Nekufananidza kwemari kune Acorns, Stash inopa nzira yakadhura-zhinji yekuvaka pikodhopu yakasiyana-siyana. Asi apo Acorns inokutengesa iwe kamwe-kamwe, Stash inokubatsira kuti udzidze nzira yekuita zvakanakisisa kushandiswa kwezvisarudzo iwe pachako.
Ikoshi yeStash inosanganisira zvidzidzo zvezvidzidzo zvakagadzirirwa kune zvaunofarira zvekutsvaga. Iwe unogona kusarudza pakati pezvikwata zvinotungamirirwa nehutano-huno hunoisa pazvinhu zvakasiyana-siyana zvekutsvaga, kana kuvaka yako tsika tsika. Ipapo iwe unogona kugadzira chirongwa che "auto-Stash" chekutsvaga mari kana kuwedzera mari kana ukasarudza.
Kune chero mupi wekutanga mutengesi , mazita ose, mazwi, uye mitsara yenyika yekutsvaga inogona kukuvadza. Stash haisi kupa hutsva hwekutsvakurudza pamakambani ayo akawanda emadhorokitari anoita, asi kana iwe usati wataura mutauro wekutsvaga mari, unotanga kutanga. Stash isarudzo yakanakisisa yekutanga.
04 Best App for Retirement: Vault
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Kana iwe uri self-employed freelancer, iwe hauzovi nehanya kune waunoshandira 401 (k) urongwa uye uchafanirwa kuisa purogiramu yako yekurega basa. Pane zvakawanda zvingasarudzwa kune vanozvishandira kuti vashandise, asi imwe yezvinotonhora zvakapoteredza ndeyeVault.
Vault inobvumira ani zvake kuti atange IRA, Roth IRA, kana SEP account yeARA nokuda kwekutsvaga kwavo. A SEP inorudzi rweIRA chaiyo yega yekubvisa mari yevashandi vanozvishanda. Asi chero ipi zvayo yeIRA iwe unoda, Vault inokupa iwe kukwanisa kuisa mari zvichienderana nehuwandu hwehuwandu hwemari yako.
Kana mari ichiiswa muakaunti yako kuburikidza nebasa rakazvimirira, purogiramu yeVault inondipa chiziviso chokubvumira kuisa peresenti yawakasarudza muIra yako account paVault. Iwe unogonawo kusarudza kuisa mari yako yekutengesa zvisiri izvo kunze kwekuda kubvumirwa kwebhuku. Vault anoshandisa muenzaniso wakafanana wekutengesa saAcorns uye Stash.
05 Best App for Stock Gifting: Stockpile
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Sangano rinopa nzira yakasiyana yekutenga uye kutengesa mashizha. Iwe unogona kutengesa zvikamu zvishoma zvekambani chero ipi zvayo kuburikidza neStockpile. Zvimwe, iwe unogona kubhadhara kambani nekapu yechipo kadhi iyo inopa mupi wemubatsiri chikamu chematokari anotanga pa $ 5.
Izvo hazvina mari yemwedzi uye mabasa ose mapeji 99. Iyi purogiramu inonakidza zvikuru kuvabereki kana vanasekuru navanasekuru vachitsvaga kuti vawane vana kana vechidiki vakura vanofarira kuisa mari uye yemusika. Panzvimbo pokupa kadhi rechipo kuti ivo vacharamba vachitengesa, unogona kuvapa $ 20 yemudiwa wako waunoda.
Inowanikwa inopa zviyero zvinopfuura 1 000 zvinosanganisira kusungirwa kwematokari uye ETFs. Semuenzaniso, unogona kupa zvipo zvechikwata chakafanana neDisney kana Apple, kana kupa bhasika rezvitoro muVanguard, iShares, kana imwe ETF. Iwe unogona kupa e-chipo kadhi kana makadhi emadhipi epo kana kuti mari yekugadzirisa nhoroondo kuburikidza nebhanji rekuendesa. Ichi chipo chinopa zvikwereti.