Moneybox - Save and Invest

KwaMoneybox, sifuna ukunika wonke umuntu izindlela zokuzuza okwengeziwe ekuphileni.

• Vula i-Cash ISA yokuncintisana
• Longela ikhaya lakho lokuqala nge-ISA yethu yokuphila okuhamba phambili emakethe
• Qala ukutshala izimali kuhlu lwethu lwezimali, ama-ETF, nezitoko
• Thola bese uhlanganisa izimpesheni ezindala futhi wakhe isikhwama sakho somhlalaphansi

Konke ngohlelo lokusebenza oluwina umklomelo olusetshenziswa abantu abangaphezu kwesigidi esi-1 e-UK yonkana.

Inkunzi esengozini. Ukutshala imali kufanele kube isikhathi eside. Inani lezimali ozitshalile lingehla lenyuka, futhi ungase ubuye ngaphansi kwalokho otshalile. I-25% yenhlawulo kahulumeni iyasebenza uma ukhipha imali ku-ISA ye-Lifetime ISA nganoma yisiphi isizathu ngaphandle kokuthenga umuzi wakho wokuqala (ofika ku-£450,000) noma uma uthatha umhlalaphansi, futhi ungase ubuyiselwe imali encane kunaleyo oyikhokhe ku-ISA yakho Yokuphila Kwaphakade. Ukuphathwa kwentela kuncike ezimweni zomuntu ngamunye futhi kungase kube ngaphansi koshintsho esikhathini esizayo.

Khetha ohlwini lwethu lwama-akhawunti awine imiklomelo:

• Ama-ISA emali
• I-ISA yokuphila konke
• Amasheya Namasheya ISA
• I-akhawunti Yokutshalwa Kwezimali Okujwayelekile
• Junior ISA
• Impesheni yomuntu siqu
• Ama-akhawunti okonga

Thenga ikhaya lakho lokuqala nge-Lifetime ISA yethu ehamba phambili emakethe:

• Yonga kufika ku-£4,000 ngonyaka futhi uthole ibhonasi kahulumeni engu-25% efika ku-£1,000 mahhala njalo ngonyaka
• Thola Izeluleko Zempahla Yezindlu zamahhala
• Phequlula ababolekisi abangu-90+ futhi uthole imali mboleko ekulungele

*Izindleko zikahulumeni zokuhoxa ngaphambi kwesikhathi zingasebenza ku-Lifetime ISA. I-ISA kanye nemithetho yentela iyasebenza. Iseluleko seMoneybox Mortgage sinikezwa yi-Moneybox Mortgages Ltd. Ikhaya lakho lingase lidliwe uma ungaqhubeki nokukhokha imali yendlu yakho.

Khetha eyodwa kwama-Cash ISA ethu amabili futhi usebenzise ngokugcwele u-£20,000 wesibonelelo sakho saminyaka yonke se-ISA samahhala:


• Thola izinga lethu elikhokha kakhulu kuyilapho ukhipha imali efinyelela kwamathathu njalo ezinyangeni eziyi-12 nge-Cash ISA yethu
• Zuza isilinganiso sokuncintisana futhi ujabulele ukuhoxa okungenamkhawulo nge-Open Access Cash ISA yethu.

I-ISA kanye nemithetho yentela iyasebenza.

Hlela ikusasa lakho ngamathuluzi awusizo:

• Funda ukuthi i-ISA Yokuphila Kwaphakade ingakuthuthukisa kanjani ukonga kwakho nge-Deposit Calculator yethu
• Bona ukuthi iminikelo yakho ingakhula kanjani ngokuhamba kwesikhathi ngomshini wethu wesikhathi we-ISA.

Setha okuzenzakalelayo futhi wakhe imikhuba enempilo:

• Yenza ngokuzenzakalelayo amadiphozithi akho avamile kanye nama-boost ngosuku lokukhokha
• Hlanganisa imali oyisebenzisayo ibe yipondo eliseduze
• Gcina noma ushintshile oyitshalile

Yakha ingcebo yakho yesikhathi eside nge-Moneybox Stocks & Shares ISA

• Qala ukutshala imali kusuka ku-£1 nje kuphela
• Khetha ezinkethweni zethu ezintathu zokuqala ezikhethwe ngochwepheshe: Ukuqapha, Ukulinganisela noma Ukuzidela
• Umnikazi wamasheya ezitokweni eziphezulu zase-US

Inkunzi esengozini. I-ISA kanye nemithetho yentela iyasebenza.

Yakha isikhwama somhlalaphansi okufanele usilinde:

• Landelela phansi futhi uhlanganise izimpesheni zakho ezindala zasemsebenzini nethuluzi lethu lokusesha labahlinzeki lamahhala
• Thola impumuzo yentela engama-25% kuhulumeni mayelana neminikelo yempesheni yakho yomuntu siqu

Ungakwazi ukufinyelela kuphela impesheni yakho uma usufinyelele iminyaka yobudala encane yempesheni. Hlola i-T&Cs ukuze uthole ukufaneleka kokudlulisa. Cabangela izinkokhiso zomkhiqizo nezinzuzo, nokuthi ingabe iphrofayela ye-investimenti enikeziwe ifana nezidingo zakho. Ukuphathwa kwentela kuncike ezimweni zomuntu ngamunye futhi kungase kube ngaphansi koshintsho esikhathini esizayo. Inkunzi esengozini.

I-Moneybox wuphawu lokuhweba olubhalisiwe lwe-Digital Moneybox Limited. I-Digital Moneybox Limited igunyaziwe futhi ilawulwa Iziphathimandla Zokuziphatha Kwezezimali, cha. 712935 (kanye nenombolo 792703 yemisebenzi yezinsizakalo zokukhokha), ebhaliswe eNgilandi naseWales, no. 09597755.

Okwethenjwayo futhi obala:

• Ukonga kwakho kanye nokutshalwa kwezimali kwakho kuvikelwe yi-Financial Services Compensation Scheme. Ukuze uthole ulwazi olwengeziwe, sicela ubheke ikhasi le-FSCS Protection kuwebhusayithi ye-Moneybox.
• Ngemikhiqizo yethu yokutshala imali, sikhokhisa u-£1 ngenyanga (imali yokubhalisa) kanye no-0.45% yenani le-investimenti yakho ngonyaka. Kukhona izindleko zabahlinzeki besikhwama phezu kwalokhu - bona uhlelo lokusebenza ukuthola imininingwane. Ukukusiza ukuthi uqalise, asikhokhisi imali yokubhalisa ezinyangeni ezintathu zokuqala
• Azikho izimali ezikhokhwayo ze-akhawunti ye-Cash Lifetime ISA yethu noma ama-Savings Accounts
• Sisebenzisa ukubhala ngemfihlo kweleveli engu-256-bit kulo lonke ulwazi lwakho lomuntu siqu.
• Ikheli elibhalisiwe: Moneybox 1-2 Hatfields, London SE1 9PG

Qalisa - Landa i-Moneybox namuhla.