Plum: Smart Saving & Investing

Incazelo ifanele amakhasimende ase-UK kuphela

I-Plum inomsebenzi wokukusiza ukukhulisa imali yakho yokuphila ngamadiphozithi azenzakalelayo, ukutshalwa kwezimali okufinyelelekayo kanye nokonga okuhlakaniphile.

BEKA Eceleni IMALI NGOKUZENZAKALELAYO
• Ukwenza ngokuzenzakalelayo kwe-Plum kubeka ukonga kanye nokutshalwa kwezimali ekuphindaphindweni ngamadiphozithi amasonto onke, ama-Auto Savers osuku lokukhokha nokuningi.
• Kusukela kumathuluzi asebenzisa i-AI kuya kuma-round-up, konke kusebenza ngemuva.

ONGA INTELE NGOKUSEBENZISA I-PLUM CASH ISA
• Vula ukonga okungenantela bese ufinyelela imigomo ngokushesha ngokonga okuzenzakalelayo kwe-Cash ISA.
• Qala ngemali encane njenge-£1.
• Dlulisa i-ISA yakho ukuze uhlanganise ukonga kwakho.
Amadiphozithi afanelekile avikelwe yi-FSCS.

Bona imininingwane yesilinganiso senzalo kuwebhusayithi ye-Plum noma kuhlelo lokusebenza. Imithetho nemigomo kanye nemithetho ye-ISA iyasebenza. Ukuphathwa kwentela kuncike ezimweni zomuntu siqu futhi kungashintsha.

YAKHA IDIPOSITHI YAKHO YENDLU NGESIKHATHI SOKUPHILA ISA
• Engeza kufika ku-£4,000 ku-LISA yakho minyaka yonke futhi uhulumeni unezela ibhonasi engu-25% (kufika ku-£1,000) mahhala.
• Finyelela imigomo ngokushesha ngenzalo encintisanayo ye-Plum, ukonga okungenantela kanye nokwenza okuzenzakalelayo.

• Dlulisa noma uvule i-Lifetime ISA yakho nge-Plum ukuze uthole inzalo encintisanayo.

Bona imininingwane yenzalo kuwebhusayithi ye-Plum noma kuhlelo lokusebenza. Imali yokuhoxisa kahulumeni ingasebenza. Ukuphathwa kwentela kuncike esimweni sakho. Qiniseka ukuthi ukwenza okuzenzakalelayo kulungile kuwe.

KHULISA IMALI YAKHO ENGAGCINWA
• Thola kufika ku-*3.65% AER (okuguquguqukayo) nge-Akhawunti yethu Yokonga Inzalo Elula Etholakalayo enikezwe yi-Lloyds Bank PLC
• Noma uthole intengo ephezulu nge-Akhawunti Yesaziso Yezinsuku ezingu-95 ku-*3.87% AER (okuguquguqukayo).
*Amanani alungile kusukela ngomhlaka-20/05/2026 futhi angashintsha.

THOLA KUFINYELELA KU-3.67%* NGENZELO YE-PLUM
• Thola imbuyiselo ngokulandela izinga lesisekelo leBhange laseNgilandi ngale MMF enobungozi obuphansi.
• Jabulela ukufinyelela okulula ngokuhoxiswa kosuku olulodwa lwebhizinisi.
• Engeza okuningi noma okuncane ngokuthanda kwakho.

Imali esengozini. Inzalo ye-Plum ibanjwe kwi-BlackRock ICS Sterling Government Liquidity Fund. Ingumkhiqizo wokutshalwa kwezimali, ngakho-ke ungathola imali encane kunaleyo oyifakile. *Amanani alungile kusukela ngomhlaka-20/05/2026.

TSHALA IMALI ENKAMPANINI EZINGU-3,000
• Bhalisa ngemizuzu embalwa ukuze uqale ukuthenga nokuthengisa amasheya enkampani yase-US.
• Tshala imali ezinkampanini ezifana ne-Amazon noma i-Tesla.
• Setha ama-oda okuthenga aphindaphindayo kanye nezaziso zamanani ukuze wenze isu lakho lisebenze ngokuzenzakalelayo.

Imali esengozini. Ukutshalwa kwezimali kwakho kungancipha futhi kukhuphuke, ngakho-ke ungase uthole imali encane kunaleyo oyifakile. Lokhu akulona iseluleko. Ukutshala imali kumasheya ngamanye kuthwala ingozi enkulu. Amanani ezabelo angaguquguquka futhi angathintwa yizici zemakethe ezibanzi noma zenkampani ethile. Lo mkhiqizo awufanele wonke umuntu. Sicela ucabangele izimo zakho noma ufune iseluleko esizimele uma ungaqiniseki.

HLUKANISA UKUTSHALWA KWEMALI KWAKHO NGEZIMALI
• Khetha kusuka ezikhwameni ezihlukene ezingafika kwezingu-26 ezihambisana nezinga lobungozi noma umkhakha.
• Yenza iphothifoliyo yakho ibe ngeyakho ngezimali ezifana ne-'Slow & Steady', 'Tech Giants' noma izinketho zokuziphatha.
• Izimali ziphathwa ngobungcweti futhi ziqukethe amasheya enkampani ahlukahlukene.

LUNGILE UKUTHATHA UMHLALAPHANSI
• Hlanganisa izimpesheni ezikhona zibe yimpesheni yomuntu siqu etshalwe ngokwakho (SIPP).
• Khetha kusuka ezikhwameni zomhlaba ezilawulwa yizingozi noma ezihlukanisiwe.
• Thola ukukhululeka kwentela eminikelweni yakho.

I-Plum Pension iyi-Self-Invested Personal Pension (SIPP). Njenganoma iyiphi impesheni, ingumkhiqizo wokutshalwa kwezimali, futhi ungathola imali encane kunaleyo oyifakile. Ukufinyelela imali kuvame ukukhawulelwa kuze kube yilapho uneminyaka engu-55 (noma uneminyaka engu-57 kusukela ngo-2028).

UKUPHEPHA
• Sisekela ukuphepha kwe-biometric.

• Asilokothi sabelane ngemininingwane yakho nabantu besithathu ngaphandle kwemvume.
• Usekelo lwamakhasimende luyatholakala izinsuku eziyi-7 ngesonto.

I-Plum Fintech Ltd iyi-ejenti kanye nomsabalalisi we-PayrNet Ltd (FRN 900594) kanye ne-Modulr FS Ltd (FRN 900573), ngokulandelana, zombili zigunyazwe njenge-EMI yi-FCA. I-Plum Fintech Ltd (FRN: 836158) iyi-AISP ebhalisiwe ne-FCA. I-Saveable Ltd (FRN: 739214) igunyazwe futhi ilawulwa yi-FCA njengenkampani yokutshala imali. I-Plum igama lokuhweba. Ngokutshalwa kwezimali kanye nezimpesheni, zonke izimali zokuphathwa kwezimali kanye nomhlinzeki ziboniswa minyaka yonke, zikhokhiswa njalo ngenyanga futhi zibonakala ngokushesha kuphothifoliyo yakho. 2-7 Clerkenwell Green, eLondon, EC1R 0DE