AJ Bell Dodl: Investing app

Ukutshala imali okulula, okungabizi kakhulu ne-Dodl

I-AJ Bell Dodl yenza ukutshala imali kube lula futhi kube yindleko ezingabizi - kungakhathaliseki ukuthi usaqala, noma umtshali-zimali onolwazi ohlela umhlalaphansi.

Khetha kusuka ku-ISA yokutshalwa kwezimali, i-ISA yokutshalwa kwezimali, impesheni, noma i-akhawunti yokutshalwa kwezimali evamile. Kungakhathaliseki ukuthi umgomo wakho wesikhathi esizayo, sine-akhawunti okufanele uyifake.

Thola inzalo emalini yakho
Ngenkathi unquma ngokutshalwa kwezimali kwakho, imali yakho kufanele isasebenza kanzima. Yingakho uzothola futhi inzalo eguquguqukayo engu-3.80% ye-AER emalini egcinwe ku-ISA yakho kanye ne-ISA yokuPhila.

Tshala imali kalula
I-Dodl ngegama, nangokwemvelo futhi. Nansi indlela esenza ngayo ukutshala imali kube lula kangaka:

- Ngokushesha nangokuqondile - bhalisa bese uqala ngemizuzu
- Akunamagama alula - ulimi olucacile, alunamibandela yezezimali edidayo
- Izindleko eziphansi - inkokhelo ye-akhawunti engu-0.15% kuphela ngonyaka (ubuncane be-£1 ngenyanga. Ukutshalwa kwezimali kwakho kungaba nezindleko zakho)

Awekho amathuluzi okuhweba adidayo. Konke okudingayo ukuze imali yakho isebenzele ikusasa lakho.

Tshala imali ngokuzethemba
I-Dodl iyingxenye ye-AJ Bell, enye yamapulatifomu amakhulu okutshalwa kwezimali e-UK, ethenjwa ngamakhasimende angaphezu kuka-720,000.

I-AJ Bell igunyaziwe futhi ilawulwa yi-Financial Conduct Authority (FCA). Futhi imali yakho kanye nokutshalwa kwezimali okufanelekile kuvikelwa yi-Financial Services Compensation Scheme (FSCS) kuze kufike ku-£125,000.

Udinga usizo? Ithimba le-Dodl liseduze nje nomyalezo.

Tshala imali ngendlela yakho
Nge-Dodl, ulawula. Uzoba nolwazi olulula nolucacile lokukusiza wenze izinqumo zakho zokutshalwa kwezimali - khumbula nje ukuthi asikwazi ukukunikeza iseluleko.

Khetha i-akhawunti efanele wena

I-Investment ISA
Khulisa ukutshalwa kwezimali zakho ngaphandle kwentela, ngaphandle kokuvalela imali yakho. Tshala imali kuze kufike ku-£20,000 ngonyaka (kuwo wonke ama-ISA), futhi uthole inzalo emalini engatshalwanga.

I-Investment Lifetime ISA
Thola ukukhushulwa kukahulumeni okungu-25% ekhaya lakho lokuqala noma umhlalaphansi, ngenkathi ukhulisa ukutshalwa kwezimali zakho ngaphandle kwentela. Thola inzalo emalini engatshalwanga, futhi.

Impesheni
Lawula umhlalaphansi wakho ngempesheni yomuntu siqu etshalwe yi-Dodl (SIPP). Njengazo zonke i-SIPP, ujabulela ukukhululeka kwentela, okusho ukuthi udinga ukwengeza u-80p kuphela kuyo yonke i-£1 egciniwe.

I-akhawunti yokutshalwa kwezimali evamile (GIA)
Ukutshalwa kwezimali okuguquguqukayo ngaphandle kwemingcele ye-ISA noma yempesheni. Thola imali eningi emakethe ngendlela othanda ngayo, futhi uyifinyelele noma nini lapho uyidinga.
Imithetho yentela, i-ISA, i-Lifetime ISA kanye nempesheni iyasebenza.

Dlulisa ukutshalwa kwezimali okukhona
Unayo i-ISA ekhona, i-Lifetime ISA noma yempesheni kwenye indawo? Kulula ukuyidlulisela ku-Dodl futhi ujabulele ukutshalwa kwezimali okungabizi kakhulu, okungenamzamo omkhulu. Ukudlulisa kumahhala - khumbula nje ukuhlola ukuthi ngeke ulahlekelwe izinzuzo noma iziqinisekiso.

Uhlu olugxile ekutshalweni kwezimali

Yakha iphothifoliyo yakho nge:

Izimali ze-AJ Bell – amaphothifoliyo asevele enziwe aphethwe ochwepheshe bethu
Ama-ETF kanye nokutshalwa kwezimali okunesihloko – khetha imikhakha, amazwe noma ukutshalwa kwezimali okunesibopho
Amasheya – khetha isitoko bese uphatha ingxenye yezinkampani zase-UK nase-US

Izindleko zokutshalwa kwezimali zisebenza ngokwehlukana kwezimali, ama-ETF kanye namasheya.

Funda njengoba utshala imali
Usanda kuhweba, ukutshala imali kanye nomhlaba wezezimali? Kuthebhu ethi 'Funda', uzothola iziqondiso ezilula nezihloko ezizokusiza ukuthi uqonde izimakethe.

Qala ngezinyathelo ezintathu ezilula

1. Bhalisa mahhala
2. Vula i-akhawunti bese wengeza imali – qala kusukela ku-£25 ngenyanga noma udlulise i-akhawunti
3. Qala ukutshala imali kuzimali, ama-ETF kanye namasheya, ngezindleko eziphansi

Ukutshala imali akudingeki kube nzima noma kubize kakhulu. Landa i-Dodl namuhla.
Ulwazi olubalulekile
Ukutshala imali kuhilela ingozi kanye nomvuzo, futhi ungalahlekelwa yimali futhi uphumelele.

I-Dodl iyingxenye ye-AJ Bell. I-AJ Bell Management Limited, i-AJ Bell Securities Limited kanye ne-AJ Bell Asset Management Limited zigunyaziwe futhi zilawulwa yi-Financial Conduct Authority.