Ama-Interactive Brokers, INDmoney, kanye ne-Vested zonke izinkampani zobuchwepheshe bezezimali ezihlinzeka ngama-brokerage kanye nezinsizakalo zokutshala izimali.
I-Interactive Brokers iyifemu yabathengisi bomhlaba wonke enikezela ngokuhweba ngezitoko, izinketho, ikusasa, kanye nezinhlobo zemali. Banezici eziningi ezihlukene namathuluzi abo bobabili abatshalizimali abasaqalayo nabanolwazi.
I-INDmoney futhi iyinkundla yokutshala imali enomeluleki we-robo ohlinzeka ngezinsizakalo zokuphatha ukutshalwa kwezimali. Umgomo wabo uwukusiza ukuthi ukhulise ingcebo yakho ngokutshala imali kuphothifoliyo ehlukahlukene yezimpahla.
I-Vested iyinkundla yokutshala imali eku-inthanethi ehlinzeka ngemikhiqizo namasevisi ahlukahlukene okutshalwa kwezimali. Banethimba lochwepheshe bezezimali abangakusiza wenze izinqumo ezingcono kakhulu zokutshala izimali ezihlosweni zakho.
Kodwa iyiphi ekufanele? Ake sikuthole kule bhulogi.
Iyini i-Interactive Brokers?
Ama-Broker Broker iyifemu yomhlaba wonke yokuhweba nge-elekthronikhi enikezela ngezinsizakalo zokuhweba nokutshala imali ezimakethe ezingaphezu kwe-120 emhlabeni jikelele. Le nkampani izinze eGreenwich, Connecticut, USA. I-Interactive Brokers Group, Inc. isebenza njengenkampani ephethe utshalomali.
Ngezinkampani ezingaphansi kwayo, inkampani ihlinzeka ngezinsizakalo zokuhweba nge-elekthronikhi. Ihlinzeka ngokuhweba ngamakilasi empahla ahlukahlukene, okuhlanganisa ukulingana, izinketho, ikusasa, i-forex, namathuluzi emali engenayo engashintshi.
Inkampani futhi ihlinzeka ngezinsizakalo zokuhlanza, ukukhokhela, kanye nokugcinwa. Ngaphezu kwalokho, ihlinzeka ngezinsizakalo zokubolekwa kwe-margin kanye nezimali.
Iyini i-INDmoney?
INDmali iyisiqalo se-fintech esiza amaNdiya ukuthi atshale esitokweni sase-US ngaphandle kwezindleko noma amakhomishini. Ungasetha ibhajethi yakho, ulandelele izindleko zakho, ubeke imigomo, futhi wenze izinto eziningi ngaphezulu kuhlelo lokusebenza.
Umgomo oyinhloko wohlelo lokusebenza ukukusiza ukuthi uphathe izimali zakho futhi wenze ngcono izinqumo zezimali ngosizo lochwepheshe be-INDmoney.
I-INDmoney iyithuluzi elihle lanoma ubani ofuna ukuthola isibambo esingcono ngezimali zakhe. Kulula ukuyisebenzisa futhi inikeza imininingwane ebalulekile engakusiza eqela ngaphezulu.
Yini i-Vested?
Kuthengisiwe iyinkundla yokutshala imali lapho ungatshala khona ezitokweni zase-US ezihlezi eNdiya ngaphandle kwenkokhiso eyengeziwe. Iphinde ivumele ukutshalwa kwezimali kwengxenye, ngakho-ke ungakwazi manje ukugcina amasheya abizayo e-apple kanye ne-tesla ngemali encane efika ku-Rs.10 futhi.
Uhlelo lokusebenza futhi lunezici ezimbalwa ezenza kube lula ukulandelela indlela osebenzisa ngayo imali, ubeke imigomo, futhi uhlale wazi ngezimali zakho. Isibonelo, ungasetha izaziso zokukukhumbuza uma udinga ukukhokha izikweletu noma ukudlulisa. Ungakwazi futhi ukubona konke okwenziwayo endaweni eyodwa, ukuze ukwazi ukubona kalula noma yikuphi okungahambi kahle.
Izici zama-Interactive Brokers
Ake sibheke izici zama-Interactive broker.
1. Amathuluzi Okutshalwa Kwezimali Ahlukahlukene
Izinketho zokutshala imali zabathengi abasebenzisanayo, kude, zingaphambi kwe-INDmoney & Vested. Isebenza ezimakethe zomhlaba ezingaphezu kwezingu-100 futhi inikeza ukutshalwa kwezimali okuqondile ezitokisini, izinketho, ama-ETF, ikusasa, ama-cryptocurrensets, amapheya ohlobo lwemali, amabhondi, igolide lendawo yase-US, izimali ezihlanganyelwe, umeluleki we-robo, i-hedge funds, namaphothifoliyo aphethwe.
2. Amathuluzi Okuhweba Ochwepheshe Nokutshala imali
Uma ungumhwebi oqeqeshiwe noma umtshali-zimali, osebenzisa inqwaba yamathuluzi ukuze ahlaziye utshalomali lwakho, umthengisi we-Interactive ngeke akudumaze. Kusukela kuzinkomba zezinga eliphezulu ukuya kumeluleki we-robo onikeza iziphakamiso ngesikhathi kanye nezinketho zokutshala izimali ezikhethwe ngesandla, inkundla yomthengisi we-Interactive iyazifeza zonke izidingo zochwepheshe.
3. Isekela Ukuhwebelana Emhlabeni Wonke & Iyajabulisa Abatshalizimali Bamazwe Ngamazwe
I-Interactive Brokers isekela ukuhweba emhlabeni wonke. Lokhu kusho ukuthi ungatshala ngokoqobo ezimakethe ezingaba ngu-150, ezezimali ezingama-24, kanye namazwe angama-33 ngeplathifomu yakhona. Inikeza wonke la mathuba okutshala imali endaweni yayo eyenza kube lula kubatshalizimali abafisa ukutshala imali ezimakethe ezahlukene.
4. Izilinganiso Eziphansi Zesilinganiso & Amakhomishini
Ama-Interactive Brokers anikezela ngezilinganiso eziphansi kakhulu ze-margin embonini. Cishe iphansi ngo-66% kune-avareji yemboni yokutshala izimali futhi uma uzimisele ukwenza imisebenzi emikhulu ngamanani aphezulu, izindleko zakho ziyaqhubeka zehla njengoba usayizi wakho wokutshala izimali ukhula.
Izici ze-INDmoney
I-INDmoney iza nezici eziningi eziphezulu. Ake sizihlole ngezansi.
1. Yonga Imali Ngokuzenzakalelayo
I-INDmoney ikusiza ukuthi wonge imali ngokuzenzakalelayo ngokulandela umholo wakho, nezindleko nokusikisela izindlela zokunciphisa indlela osebenzisa ngayo imali. Lokhu kusho ukuthi ungakwazi ukusetha kalula izinhloso zakho endaweni yesikhulumi futhi izohlala ikuqondisa ukuthi ungonga kanjani futhi wenze kanjani ukutshalwa kwezimali okungcono.
2. Tshala Imali Ngokuhlakanipha
I-INDmoney ikusiza ukuthi utshale imali yakho ngobuhlakani ngokukunikeza izincomo zokutshala imali eziqondene nawe ezisuselwe kuphrofayili yakho engcupheni nezinjongo zezimali.
Yenza izinhlelo eziqondene nawe zephrofayela yakho futhi ikubonise imephu yomgwaqo ephelele ongayilandela ukuze ufinyelele imiphumela oyifunayo. Ingasaphathwa-ke, inethimba lochwepheshe elihlala lihlola iphothifoliyo yakho futhi lilokhu likukhumbuza ngenzuzo nokulahlekelwa okungaba khona.
3. Ukuphatha Ezezimali
I-INDmoney ikunikeza umbono ophelele wezezimali zakho ukuze ukwazi ukuphatha imali yakho kangcono. Iphinde inikeze izici ezifana nokuhlelwa kwesabelomali, ukulungiselelwa umgomo, nezikhumbuzi zokukhokha ibhili ukukusiza ukuthi uhlale wazi ngezimali zakho.
4. Ukulondoloza Imivuzo
I-INDmoney ikuvuza ngokonga imali ngokukubuyisela imali kanye nezaphulelo ezindlekweni zakho. Lezi zimbuyiselo zifanelekile kubathengisi abaningi futhi zinikeza imiklomelo ebalulekile kubasebenzisi bazo. Lokhu kusho ukuthi empeleni ungenza imali ngokusebenzisa izici eziphezulu ze-IndMoney.
Izici ze-Vested
Nazi ezinye zezici ezinhle kakhulu ze-Vested.
1. Okonga Okuzenzakalelayo Nokutshala imali
I-Vested yenza kube lula ukonga nokutshala imali yakho ngokuzenzakalelayo. Ungasetha ukudluliselwa okuphindaphindiwe kusuka ku-akhawunti yakho yokuhlola kuya ku-akhawunti yakho ye-Vested, futhi i-Vested izotshala imali yakho ngokuzenzakalelayo kuphothifoliyo Amasheya kanye nama-ETF.
2. Ukwakha Ingcebo Ku-Vested
I-Vested ikusiza ukuthi ukhulise imali yakho ngokutshala kabusha ngokuzenzakalelayo izabelo zakho futhi imali eyinzuzo. Ungashintsha futhi ulungise lesi sici mathupha kuhlelo lokusebenza, noma uyisethe kokuthi “Okuzenzakalelayo” uma ufuna i-Vested ikusethele yona. Kunoma ikuphi, lesi isici esivelele sohlelo lokusebenza esikusiza ekudaleni ingcebo.
3. Ukutshala imali okugxile kumgomo
Ake sithi ufuna ukuya eholidini ehlobo elizayo, futhi unethemba lokuzuza okungenani imbuyiselo engu-10% ukuze uphile. Awu, awudingi ukuhlelela ukutshalwa kwezimali kwakho. Vele ufake izinhloso zakho ku-Vested, futhi izokubonisa amathuluzi angcono kakhulu okutshala imali angakunikeza imbuyiselo ngendlela obulindele ngayo.
4. Ukutshalwa kwezimali okuyingxenye
I-Vested ikuvumela ukuthi utshale ezitokweni ezibizayo kumafrakshini. Lokhu kusho ukuthi ungakwazi ukuthenga kalula amasheya ezinkampani eziphezulu ngemali eningi ngendlela oyifunayo. Lokhu kusiza ekuhlukaniseni iphothifoliyo yakho njengoba ungakwazi ukuthenga amasheya ahlukene esikhundleni sokuvimba imali yakho ekuthengeni amasheya abizayo ngokuphelele.
Imikhiqizo Ehlinzekwa Ngama-Interactive Brokers
Kunemikhiqizo eminingi namasevisi ahlinzekwa yiwo womathathu amapulatifomu awenza abe yizimbangi eziqinile zomunye nomunye. Ake siqale ngemikhiqizo ehlinzekwa yi-Interactive Brokers.
1. Izinketho zokutshala izimali
Abathengi abasebenzisanayo banikeza izinketho eziningi zokutshala imali phakathi kwazo zontathu izinkundla. Ungakwazi ukutshala kalula ku-Stocks, mutual funds, ama-IPO, nama-ETF ngokuqondile ngohlelo lokusebenza.
Ungakwazi futhi ukutshala izimali ezimakethe ezihlukene ezingaphezu kuka-150 emhlabeni jikelele. Lokhu kunikeza ukuhlukahluka kuphothifoliyo yakho kanye nethuba elingcono lokuzisindisa kusukela ngesikhathi ukuphahlazeka kwezimakethe.
2. Ikusasa & Izinketho Ukuhweba
I-Interactive Brokers iphinde inikeze amakhasimende ayo ikhono lokuhwebelana ngezinkontileka zesikhathi esizayo ku-inthanethi. Amaklayenti angahweba izinhlobonhlobo zezinkontileka zesikhathi esizayo, okuhlanganisa izinkontileka zempahla, izimali, nezinkomba. Ngokufanayo, ungakwazi futhi ongakhetha zohwebo ngezitoko, ikusasa, nezinhlobo zemali
3. Forex trading
I-Interactive Brokers inikeza amaklayenti ayo ikhono lokuhweba forex online. Amaklayenti angahweba ngamapheya e-forex, okuhlanganisa amapheya amakhulu, amapheya amancane, namapheya e-exotics.
4. Imali engenayo engashintshi
I-Interactive Brokers inikeza amakhasimende ayo ikhono lokutshala imali ezinhlobonhlobo zezibambiso zeholo elingaguquki, okuhlanganisa amabhondi, ama-T-bills, nama-CD. Lezi zibambiso zikusiza ekwenzeni imbuyiselo yangempela nengokoqobo. Ziphakathi kwezimali ezizinzile futhi ziqukethe inani elincane lobungozi.
5. Ukuphathwa kwephothifoliyo
I-Interactive Brokers inikeza amaklayenti ayo ikhono lokuphatha amaphothifoliyo awo ku-inthanethi. Amaklayenti angabuka amaphothifoliyo awo, ukusebenza, kanye nephrofayili yobungozi. Bangakwazi futhi ukulinganisa kabusha amaphothifoliyo abo futhi benze izinguquko ezinhlelweni zabo zokutshala izimali.
Imikhiqizo Ehlinzekwa ngabakwa-IndMoney
Ake sibheke izinhlobo ezahlukene zemikhiqizo ehlinzekwa yi-INDmoney.
Investment Products
I-INDmoney inikeza uhla lwemikhiqizo yokutshalwa kwezimali, njenge-mutual funds, ama-ETF, nokuningi. Abasebenzisi bangakhetha ohlwini olubanzi lwezinketho zokutshala imali futhi bangatshala kumakilasi amafa ahlukahlukene.
Investment Calculator
I-INDmoney isibali sokutshalwa kwezimali esivumela abasebenzisi ukubala imbuyiselo ku-investimenti (ROI) yotshalo-mali lwabo. Isibali sicabangela inani le-investimenti, isikhathi sokutshala imali, imbuyiselo elindelekile, kanye nephrofayili yengozi yokutshalwa kwezimali. Isibali sibe sesikhiqiza umbiko obonisa i-ROI yokutshalwa kwezimali.
Umshwalense Wempilo Nezempilo
I-INDmoney, njengenkundla ye-fintech, yandisa imikhiqizo yayo enikezwayo kumshwalense futhi. Lokhu kusho ukuthi ungakwazi ukusizakala kalula umshwalanse we mpilo, umshwalense wempilo, umshwalense wemoto, ngisho nomshwalense wasekhaya usuka endaweni yesikhulumi.
Inikeza zonke lezi zinsizakalo ngenqubo engenamaphepha. Ngakho-ke, asikho isidingo sokuthi uthathe noma yiziphi izinselele ukuze ujabulele lezi zinsizakalo ezivela ku-INDmoney.
IPO Center
I-INDmoney ayigcini nje ezitokweni nasezikhwameni ezihlanganyelwe. Uma ubucabanga ukufaka isicelo se-IPO, i-INDmoney ingakwenzela lokho nawe. Ungakwazi ngokuqondile ukufaka isicelo sanoma yimaphi ama-IPO ngokuqondile ngohlelo lokusebenza.
I-Super Saver a/c
I-INDmoney inikeza i-akhawunti yokonga enezici ezinhle kakhulu zabasanda kuhlanganyela nabadayisi abangomakadebona nabatshalizimali. Ungadlulisa izimali zakho futhi uvule i-akhawunti entsha nge-INDmoney ngezinkokhelo ezinguziro, ungekho umkhawulo webhalansi encane, futhi ube namazinga okushintshanisa angcono kakhulu embonini kusukela ekongeni okukhulu kwe-a/c.
Imikhiqizo Ehlinzekwa ngabakwaVested
I-Vested, futhi iletha imikhiqizo esezingeni eliphezulu okufanele iqhudelane nontanga yayo. Ake sixoxe ngazo ngezansi.
Investment Products
I-Vested Finance inikeza izinketho ezihlukahlukene zokutshala izimali kumakhasimende ayo, okuhlanganisa amasheya, amabhondi, ama-mutual funds, kanye nezikhwama ezithengiswa ngokuhwebelana (ETFs). Ngayinye yalezi zinketho inezingozi nemivuzo ehlukene, futhi i-Vested Finance ingasiza amakhasimende ayo ukuthi akhethe inhlanganisela yokutshalwa kwezimali efanele yezidingo zawo.
I-Alphascreener
I-Alphascreener iwucwaningo olunamandla lwesitoko nokuhlaziya ithuluzi elikuvumela ukuthi uthole izitoko ezingcono kakhulu ongazithenga futhi utshale kuzo. Nge-Alphascreener, ungakwazi ukuhlolela izitoko usebenzisa imibandela ehlukahlukene, okuhlanganisa intengo, imali yemakethe, kanye nomkhakha.
Ungakwazi futhi ukusetha izexwayiso ukuthi waziswe uma izitoko ezithile zihlangabezana nemibandela yakho.
Umhleli Wezezimali
I-Vested inikeza umhleli wezezimali kubasebenzisi bayo ovele enze izinhlelo ezihlukahlukene zokutshala izimali. Ihlaziya imigomo yakho, iphothifoliyo yamanje, ukuchayeka engozini, namanye amamethrikhi. Ngemva kokuhlaziya zonke lezi zinyathelo, iveza izinhlelo ezihlukahlukene ezingazuzisa futhi zihambisane nemigomo yakho esikhathini esizayo.
Ukuphathwa kwePhothifoliyo
Umkhiqizo odume kakhulu we-Vested, umphathi wephothifoliyo wenza yonke into egameni lakho. Noma ngabe ithengisa utshalomali lwakho olubonakala luwa noma lulungisa ukuhweba kwakho okuqhubekayo, i-Vested yenza yonke into egameni lakho. Ungavumela noma ukhubaze lesi sici kuzilungiselelo zohlelo lokusebenza.
Izinzuzo ze-Interactive Broker
- Ama-Interactive Brokers akhokhisa ezinye zezinkokhelo eziphansi embonini.
- Inikeza izinhlobonhlobo zezinketho zokutshala izimali, okuhlanganisa amasheya, ama-ETF, izinketho, ikusasa, kanye ne-forex.
- I-Trader Workstation inamandla indawo yokuhweba lokho kulungele abadayisi abasebenzayo. Inikeza izici ezifana nokushadi okuthuthukile, idatha yemakethe yesikhathi sangempela, kanye ongakhetha backtesting.
- Itholakala emazweni angaphezu kwama-33
- Asikho isidingo esincane sebhalansi ye-akhawunti.
Izinzuzo ze-INDmoney
- Isiza ukulandelela izindleko kanye nesabelomali.
- Yenza imigomo eyenziwe ngendlela oyifisayo.
- Awekho amakhomishini noma izimali ezifihliwe.
- I-interface yomsebenzisi-enobungane futhi elula.
- Ukutshala imali okuzenzakalelayo
Izinzuzo ze-Vested
- Tshala ngokuzenzakalelayo kutshalomali olunembuyiselo ephezulu efana ne-401k ne-IRA.
- Ukulandelela izindleko kanye nemibiko yokusebenza kwezimali ozitshalile.
- Phinda utshale izabelo zakho kanye nenzuzo enkulu.
- Ukwesekwa kwamakhasimende okusheshayo.
- Uhlelo lokusebenza olusebenziseka kalula kanye nenkundla yewebhu
Ububi be-Interactive Brokers
- Ukwesekwa kwamakhasimende okunomkhawulo.
- Akuwona wonke amathuluzi okutshala imali atholakala endawenikazi.
- Ikhokhisa imali ephezulu.
- Ipulatifomu iyinkimbinkimbi impela ukuyisebenzisa.
- Amaphutha amaningi kuhlelo lokusebenza lweselula.
Ububi be-INDmoney
- Amathuba okutshala imali alinganiselwe.
- Inkundla yokuhweba iyisisekelo kakhulu futhi ayifanele abadayisi be-pro.
- Izici zebhajethi aziqinile njengoontanga bazo.
- Igxile kakhulu ekutshaleni imali hhayi ukuhweba.
- Ayifaki ohlwini lwama-cryptocurrencies
I-Cons of Vested
- Ikhokhisa amakhomishini aphezulu ngezinye izikhathi.
- Izici ezinomkhawulo kakhulu ohlelweni lwamahhala.
- Uhlelo lwe-premium lwaminyaka yonke luyabiza.
- Amathuluzi okuhweba anomkhawulo nezici.
Isinqumo sami
Ngemva kokusebenzisa zontathu izinhlelo zokusebenza ngokwami, ngiqhamuke nesinqumo sami. Njengoba ziyizinkundla ze-fintech, zontathu izinhlelo zokusebenza zinethoni yezici futhi ngayinye yazo inezici zayo ezikhethekile.
Uma ufuna uhlelo lokusebenza olungakuvumela ukuthi utshale imali ezimakethe zezimali ezihlukene, khona-ke i-Interactive Brokers iyinkundla yakho oya kuyo.
Uma ufuna inketho eshibhe kakhulu phakathi kwalezi zintathu ngezidingo zakho zokutshala imali, INDmali uzokwenzela lo msebenzi.
Futhi, ekugcineni, uma ufuna uhlelo lokusebenza olungakusiza ngezeluleko ezinhle zokutshala imali, Kuthengisiwe kuvela ukuthi iyona ehamba phambili emakethe.
Ngokwesidingo nemfuneko yami, ngivumelana ne-INDmoney kancane ngenxa yezici zayo eziqinile, amakhomishini aphansi, nokusebenzelana komsebenzisi.