Chirongwa cheNzira dzaunogona kupa Dzimba dzeStock kusvika kune Shamwari nemhuri
Nzira Yokupa Nayo Sangano sechipo chisina Mvumo
Kana iwe uchida kupa sengo sechipo chine michina yakabatanidzwa - zvachose, zvachose kusanzwisiswa kuitira kuti munhu aite chero chaanoda neicho nguva iyo inotora-iyo pane nzira dzakawanda dzekuita izvi, kusanganisira re-titling yako iripo stock holdings uye / kana kugadzira Direct Stock Purchase Plan kana Dividend Reinvestment Plan muzita remupi, izvo zvese zvandichakurukura zvakaderera pasi apa. Vazhinji havana mari shoma uye, mune dzimwe nguva, zvachose vakasununguka.
Ipai Nhamba Nezvekudzorera Zvinyorwa Zvako zviripo Stock Holdings
Kana iwe uine zvikamu zvaunoda kupa zvipo mubhadharo rekwereta kana chirongwa chekugadzirisa zvekugadzirisa iwe pachako, unogona kutaura nechokugadza uye uza ma fomu kuti udzoke zvakare zita rako rekubata muzita remunhu waunoda kupa chipo the stock. Iwe unogona kunyange kugadzirisa zvipo nguva dzose pane nguva dzakatemwa, dzakadai sa 5 we mwedzi woga woga, kana Chipiri chepiri chega roga roga.
Muenzaniso: Charles Schwab & Company ine fomu inonzi Tsamba yeGvumirano yeMafungiro eZvesheni inobvumira vateereri vayo kugadzira kuendeswa kwezvikamu kune zvikamu zvitatu. Fungidzira mushure mekushanda kwekubudirira kwekutsvaga, iwe wakanga wakavaka nzvimbo yakakura zvikuru muMutter & Gamble. Kana wangove wakaziva zvose zvemashoko, iwe unogona kuti, "Ndinoda iwe kupa zvipo zana zveMutter & Gamble kumwanakomana wangu mwedzi woga woga nokutora mari yacho kubva mubhuku rangu uye kuiisa mubhuku rake rekutengesa".
Zvimwe, kana mwanakomana wako asina mari yekubhadhara kuSchwab, iyo firimu inogona kumutumira chikope chechikoro kana kuti zvikamu zvakanyoreswa zvakananga nezita remwanakomana wako kuburikidza neIndaneti Kubhadhara System (mari inogona kushanda kune imwe yezvivhisi izvi zvichienderana ne wako mutengesi).
Kubva munaDecember 2014, Schwab anokwereta $ 75 mari yekudzokororazve zvinyorwa (achifunga kuti haadi chigadziko chemashesi, icho chinodhura zvakanyanya uye hachizokuiti zvakanaka iye zvino sezvo vaenda nenzira ye Dodo.)
Shanda Nomunhu Waunoda Kupa Sangano sechipo Chinofanira Kugadzirisa Direct Stock Purchase Plan kana Dhipatimendi reReinvestment Purogiramu Muzita Ravo
Nezvishoma zvishoma, izvi hazvigone nyore. Iwe unogadzira fomu, mail mune cheki, uye ndizvo. Munhu wacho anogamuchira chirevo chinoratidza nhamba yezvikamu zvaainazvo, uye anogona kutenga zvimwe nekutumira mune zvimwe zvitsva, kuve nekudzoka kwekutsvaga kwekugadzirisa kubva kubhengi ravo rebhangi, kana kudzorerazve chero mari inowanikwa mari inoshandiswa. Kana iwe uchida kuzvitenga zvimwe zvikamu, zvirongwa zvakawanda zvinokubvumira kunyora rimwe cheki uye uzvitumire iwe pachako, kana kuti nyora zvakananga kumunhu kana iwe uchivimba kuti achashandisa mari kuti atenge zvese zvaunoda kuzvipa.
Ko kana iwe uchida mumiririro wemuviri wehu? Kunyange zvazvo zvigwaro zvekugadzira zvisiri kuwanikwa uye, dzimwe nguva, makambani anoramba kuvabudisa, unogona kutarisa nebasa rakafanana neOnehare. Vanokwanisa kutora chikwata muzita rechipo chekugamuchira ipapo iwe unogona kukwanisa kushandisa chikamu ichocho kuti ugadzire DRIP. Mumhuri mangu, iyi ndiyo nzira yandakaita nayo hanzvadzi yangu duku kudarika kuvaka danda rake muCoca-Cola Direct Stock Purchase Plan. Akaramba ane chikwata chake chekutanga chekutanga, uye 99%
Nzira Yokupa Nhamba Sechipo Kana Iwe Unoda Kuisa Zvipingamupinyi paZvatsanangudzo
Zvakadini kana iwe usingadi munhu wauri kumupa chipo chezvikamu kuti uwane rusununguko rwekusvikidzirwa kwechitoro? Zvichienderana nemamiriro ako ezvinhu, une maitiro akawanda.
Kune Vaduku, Kugadzira Account Brokerage kana Direct Direct Purchase Plan Yakanyorwa pasi peUniform Transfer to Minors Mutemo Wenyika Yenyu (UTMA)
Aya maitiro ekuchengetedza aya akasiyana nokuti anokubvumira kuti utumidze muchengeti ane basa rokutarisira mari yehutano hwemuduku, asi pfuma ndeyomuduku sezvo zvipo kuUTMA hazvigoneki. Zvichienderana nehurumende, iwe unogona kusarudza panguva yekuita nhoroondo yakasimbiswa kana iwe uchida kuti muduku ave nekodzero yekutora zvigadziri kana ane makore makumi maviri nemaviri kana mamwe makore (mamwe mashoma anokubvumira kurega kusvika kwenguva refu semakore 25 ekuberekwa kwemwana, asi vamwe vachakuregedza kuti uise seuto se18). Nzira yekuzarura UTMA inonyoresa sekuzarura chero imwe mhando yekambani. Ichokwadi, ini ndinongogadzirira mumwe murume nomudzimai wangu uye muzukuru wangu.
Ita yeTrust Trust uye Tendesa Zvikamu zveStock To It
Kunyangwe iwe uchida kugovera chikamu chematokisi kumunhu muduku kana munhu mukuru, sarudzo yepamusoro maererano nekushandura zvinhu ndeye trust trust. Ndakaisa mutungamiri wevatangi vekutanga vanobatanidza kune nyaya dzakawanda pamusoro pekuvimba kwemari , asi iyo pfupi ndeyekuti iwe unogona kunyora chivimbiso chekuvimba chinoparadzanisa mutemo wepamutemo wepakati pakati pomutongi, ane fiduciary basa rokutarisira ne iyo yakakwana yekutarisirwa, uye mubhadharo wezvemari, uyo anofarira kufarira nzvimbo nenzira yaunofunga. Iwe unogona kushandisa kunyange kuvimba kuti uwane mutero wekunyorera iwe pachako nekusanganisira chimwe chinokonzera mhaka mukati maro .
Fungidzira kuti iwe wakanga wakagara pane chikamu che10 000 chikamu cheRoy Dutch Dutch Shell Class B ADR. Iwe unosarudza kuti iwe unoda kupa sengo sechipo kune vazukuru vako vatatu. Iwe unobhadhara gweta kuti unyore rugwaro rwekutanga rwekuvimba (ruzivo rwakananga, rwakajeka runogona kukutambidza uine madhora 1 000 mumitemo yepamutemo, kunyange izvi zvingave zvakasiyana-siyana nenzvimbo) iyo inoti iwe uri kuendesa zvikamu gumi zvegumi kusvika kune teteti pachako. Nokuda kwehupenyu hwavo hwose, zvikamu zana kubva muzana zvezvikamu zvakabhadharwa pamutengo mukutendwa zvinofanira kugoverwa kuvakuru vako paKrisimasi. Apo wekupedzisira wavo anofa, ibwe rose - chero zvarinoda - ndeye kuenda kune yako alma mater kuti ugadzirise zvidzidzo.
Iwe unogona kutendeuka yekodha yako yekwereti yekutengeserana muchitendi nekuzadza mapepa (vamwe vatengesi vachakubvumira iwe kuchengeta nhamba imwechete yekambani kuitira kuti hapana chinhu kunze kwehuwandu huchishandurwa) kana iwe unogona kuisa imwe yakasiyana, nhoroondo itsva pasi pezita rekutenda uye tine chikwata chinoshandiswa kwaro kuburikidza nekudzoka, sezvatakambokurukura.
Muchiitiko ichi, iwe wakakwanisa kupa sengo sechipo asi vazukuru havagoni kuibata. Pane kudaro, ivo vaifanira kurarama pane zvikamu. Kwemwedzi 12 yapfuura, izvi zvaizodarika $ 34,400. Mumwe nomumwe wavo aizowana cheki ye $ 11 467. Nokufamba kwenguva, cheki inofanira kuramba ichikura. Mumufananidzo uyu, iwe hauna kurega kuti mari yacho ingashandiswa sei, asi dai waive uchida, iwe ungadai wakazvigadzirisa pakutenga imba, nguva dzose kutenga zvidzitiro itsva, kana kubhadhara zvekutengesa. Kuvimba kwakanyatsogadziriswa uye zvinenge zvese zvigadziriswa zvingasimbiswa kunze kwekunge zvichitadza mutemo kana kuti mumwe munhu kuti azviite nenzira inonzi inopesana nehurumende.
Rimwezve rubatsiro rwekushandisa chivimbo ndechekuti iwe hausi kugovera zvipo zvezvipo. Kana chivimbo chiri kunyorwa zvakanyatsonaka, iwe unogona kugovera mamwe mazvikwereti, kusanganisira zvisungo , zvikamu zvekutengeserana kwemari , zvivako zvekugara , nezvimwewo.