Kuisa mari kune zvipo zvakawanda apo iwe une hurukuro huru, asi izvi hazvirevi kuti vatengesi vane madhora mashomanana kuti vatangise havakwanise kupinda muchikwata chemari. Kutenda kune dzimwe mitsva mitsva uye kushandiswa kwekutsinhanisa mari, iwe unogona kutanga kutora mari kunyange iwe uine zvishoma zvishoma kuti uise mumusika. Muzviitiko zvizhinji, hausi kutoda dhora kuti uzarure nhoroondo.
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Kunyange zvazvo dzimwe tsika dzekugadzirisa mabhizimusi dzinoda mari yakawanda ye $ 100,000 kuti itange, vamwe havana chikamu chekuzarura pane zvese.
Izvi zvinokubatsira kuti uite zvishoma nezvishoma kubhadhara mari yako nguva yakareba kuburikidza nenguva kuburikidza nekutsvaga michina.
Uye iyi michina-michina inogona kuwedzera nokukurumidza! Kana iwe ukagadzirisa kuendesa mberi kwekubhadhara $ 20 pamwedzi pagore, iwe uchapera ne $ 240 pakupera kwegore. Uye kana iwe uchikwanisa kuchengeta dhora chete pazuva, iyo inenge $ 1 000 mumakore matatu. Zvinogona kunge zvisina kukwana kuvaka dendere mazai, asi kana iwe uchiri muduku uye uchida kutambira pamusika wekutengeswa, kutanga. Kana iwe uine mari yakakwana yekuenda kundodya paresitorendi, une mari yakakwana yekuisa mari!
Acorns
Kana iwe uchida kutanga kutora mari nekuchinja kwako kwega, Acorns ndiyo chikwata chako. Hapana huwandu hunotarisirwa hunodikanwa kuti uzarure nhoroondo itsva. Paunoshandisa dhidhi yako kana kadhi rechikwereti, Acorns inotarisa zvaunotenga uye inotenderera kuti uise mari yako yekushanduka. Semuenzaniso, kana iwe uchienda kushambaji sandwich uye ukashandisa $ 4.75 pane sub, Acorns ichazvikomberedza kusvika kune $ 5 uye ipai mamwe masendi 25 muakaunti yako.
Iwe unogonawo kuisazve purogiramu zuva nezuva, vhiki nevhiki, kana mwedzi yemari yekutsvaga kana kuita mhiko imwe nguva.
Acorns inopomerwa $ 1 yemwedzi pamwedzi yekodha ine chikwereti pasi pe $ 5,000 uye 0.25 muzana mari yekutarisira kwekambani dzinopfuura $ 5,000. Nhoroondo yako madhora inotsvaga inotengeswa neAcorns mumari yakasiyana-siyana, inodhura yekutengeserana mari , kana kuti ETFs.
Kunyange kana iwe usingazivi chinhu pamusoro pekutsvaga mari, Acorns wave wakavhara uye uchatarisira zvinetso zvakaoma kwauri . Iwe unogona kungogara pasi uye wotarisa akaunti yako ichikura nekutenga imwe neimwe yaunenge waita.
Robinhood
Kana iwe uchida chimwe chiitiko chechigarire chekutsvaga mari asi hauna mari yakawanda yekuisa mari, Robinhood isarudzo yakanaka. Kunyange zvazvo mabhizimisi makuru anotengesa madhora gumi pamatengesi ezvokutengeserana uye kutengesa vatengi vanobhadhara madhora mazana mashanu, Robinhood anotengesa $ 0.
Izvi zvinotanga kushandiswa, paIndaneti chete kubhadharwa kwemari kunoshanda sechishandisi bhenji chete, asi kune makoko ako pane mari yako. Nokudzivisa matavi edzimba uye hupfumi hwehupfumi, vanogona kupa zvikwereti zvemashamba se 100 percent digital digiti yekusununguka. Bhidhiyo yakabhadharwa, Robinhood Gold, inowanikwa $ 10 pamwedzi pamwe nezvimwe zvinhu. Kana iwe uri mutemo weUnited States unogara nehuwandu hwekuchengetedzwa kwevanhu uye smart phone, une zvinhu zvose zvaunoda kutenga uye kutengesa zvikwata, pasina mari uye pasina zviyero zviduku zvekutya nazvo.
Zviri nani
VaRobo-mazano ndeyverudzi rutsva rwekutsvaga mashizha apo iwe unogadzira mutsara wechidiki wemibvunzo uye sangano rekutsvaga mari rinotarisira vamwe vachishandisa mazano ekutsvaga mari. Pakuvandudza, iwe unongovaudza zvinangwa zvako uye ivo vachaisa mari yako mumutengo wemari yakadhura mari yakagadzirirwa iwe.
Iyo nhoroondo yakakosha haigone kuenzaniswa uye haisi mari yekubhadhara . Zvinyorwa zvitsva zvinodarika 0.25 muzana zvepabheji mari yepamusoro pakero yako yebhuku, zvakafanana zvakafanana neAcorns mhosva pamakondomu anodarika $ 5,000. Iwe unogona kugovera kuburikidza neurongwa hwekudzorera mari dzinoshandiswa zvakare kana kuti imwe nguva yezviwanikwa zvekutsvaga kuburikidza neGoodment website.
CapitalOne Investing
Kambani inotevera CapitalOne 360 inotarisa kuongorora nekuchengetedza mabhuku inopa imwe nzvimbo yekutsvaga mari. CapitalOne Kuisa mari haina huwandu huripo hwekutanga uye hunoisa mari shoma ye $ 6.95 pamabhizimisi. Aimbozivikanwa seSwadzidziri, iyi inharaunda yekugadza iwe inokupa kusvika pamatokari, mutengo wemari, zvigadziro, uye dzimwe zvirongwa zvakakosha zvekubatsira kuvaka podfolio yako.
The PortfolioBuilder inokubvumira kuti ugadzire hurukuro yose ye ETFs yepafa $ 18.95 yekutengesa mari. Kana iwe uri kutangira kubva ku zero, chakanakisisa chisarudzo chirongwa cheShareBuilder, chinokubvumira kuti iwe uzviise mari pangozi ye $ 3.95 kuburikidza nekutsvaga.
Usakanganwa Iwe 401 (k)
Kana iwe ukashanda kune kambani inopa 401 (k) hurongwa , mari yako yekutsvaga inotorwa zvakananga kubva pamari yako. Iwe haufaniri kuisa mari kubva kune mari yekushandisa. Zvechokwadi, iwe haugoni kuisa mari mune 401 (k) kubva mukuchengetedza, sezvo mari yose inopinda zvakananga mune yako 401 (k) - uye mari yako yakasarudzwa - kubva pakubhadharwa kwemitero.
Mune makumi mana (k) nhoroondo, unosarudza chikamu chemari yako yaunoda kugovera kune imwe mari yekutsvaga mari. Zuva roga roga, chikamu chebhadharo yako chinowanzogadziriswa, kazhinji kusvika 15 kubva muzana yebhadharo yako yakazara. Chengeta nedhipatimendi rebasa revanhu rako kuti udzidze zvakawanda.