AJ Bell: ISA & SIPP investing

Ukutshala imali okuhle. I-AJ Bell iyona kuphela umhlinzeki wokutshala imali okufanele ube yi-Which? Kunconywa iminyaka eyisishiyagalombili ngokulandelana. Ngohlelo lwethu lokusebenza, tshala imali isikhathi eside ku-akhawunti ye-ISA, SIPP, Lifetime ISA kanye ne-Dealing Stocks and shares – konke endaweni eyodwa ephephile.

Ungathenga futhi uthengise amasheya, izimali, ama-ETF kanye nama-trust okutshala imali e-UK nakwamanye amazwe, futhi uphathe iphothifoliyo yakho kalula usohambeni. Konke kunomhlinzeki oshibhile, obhalwe ohlwini lwe-FTSE 250 othembekile ngabatshalizimali abangaphezu kuka-760,000.

Yakhelwe ukutshala imali kwesikhathi eside

• Tshala imali njalo ku-akhawunti yakho ye-ISA, Lifetime ISA, SIPP noma i-Dealing ukuze ukhulise iphothifoliyo yakho ngokuhamba kwesikhathi.

• Landelela inani le-akhawunti yakho kanye nokusebenza kokutshalwa kwezimali, bese uhlola isitatimende sakho semali kanye nomlando wokuthengiselana amahora angama-24 ngosuku, izinsuku eziyi-7 ngesonto.

• Shiya konke kochwepheshe bethu abawine imiklomelo ngezimali eziphethwe yi-AJ Bell, noma unciphise izinketho zakho ngohlu lwethu lwezimali Ezithandwayo.

• Sebenzisa amathuluzi anokuqonda ukusiza ukwakha iphothifoliyo yakho, uhlele impesheni yakho, futhi wenze izinqumo zokutshala imali eziqiniseka kakhudlwana.

• Jabulela izindleko eziphansi futhi ugcine imali yakho yokutshala imali eningi, kufaka phakathi inkokhelo ye-akhawunti engu-0.25% engenye yezindleko eziphansi kakhulu.

• Beka kahle kakhulu, khawulela noma umise ama-oda, bese uhlela noma ukhansele ama-oda akhona noma nini lapho udinga khona.

Uhlelo lokusebenza lokutshala imali olwenza kube lula

• Vula futhi uphathe i-ISA yamasheya namasheya, i-Self invested personal pension (SIPP), i-Lifetime ISA noma i-akhawunti ye-Dealing ngqo kuhlelo lokusebenza.
• Faka imali ngokushesha ngekhadi ledebithi ukuze ugcine imali yakho iqhubeka.
• Bona wonke amabhalansi akho e-ISA, i-SIPP, i-Lifetime ISA kanye ne-akhawunti ye-Dealing ndawonye ngokubuka okukodwa ukuze uhlale ugxile emigomweni yakho yesikhathi eside.

Yiba ngumtshali-zimali onolwazi

• Funda izindaba zemakethe kanye nezibuyekezo ezivela ku-Shares Magazine, ebhalwe ochwepheshe bethu bokutshala imali ngaphakathi.

• Landelela ama-oda asebenzayo, ukunyakaza kwemakethe kanye nendlela izimali zakho ezisebenza ngayo ngokuhamba kwesikhathi.

• Buka amanani abukhoma ase-UK.

Ukungena ngemvume okulula, okuphephile

• Nika amandla ukuqashelwa kwe-Face ID noma izigxivizo zeminwe ukuze ufinyelele ngokushesha noma usebenzise ukungena kwakho kwe-AJ Bell okukhona.
• Idatha yakho ivikelwe ngokubethela okuqinile kwe-256bit okujwayelekile embonini ukuze kugcinwe wena kanye nokutshalwa kwezimali zakho kuphephile.

Usekelo uma ukudinga

Ithimba lethu losekelo elise-UK lilinganiswe ngokuthi Lihle kakhulu ku-Trustpilot, futhi lihlala lishayela ucingo noma umyalezo kude. Ungasithinta ku-ajbell.co.uk, ngengxoxo yethu yangaphakathi nohlelo, noma ngokushayela ku-0345 54 32 600.

Ulwazi olubalulekile

Ukutshala imali kuyithuba lokukhulisa imali yakho futhi ngokuvamile kuphumelela kakhulu ekulondolozeni imali esikhathini eside. Kodwa-ke, kuza nengozi kanye nomvuzo, futhi inani lokutshalwa kwezimali zakho lingancipha futhi likhuphuke. Izinzuzo zentela zincike ezimweni zakho futhi imithetho yentela ingashintsha. Noma yiluphi ulwazi esilunikezayo luzokusiza ocwaningweni lwakho, futhi alulona iseluleko sezezimali.

U-AJ Bell ugunyaziwe futhi ulawulwa yi-Financial Conduct Authority.