NerdWallet: Smart Money App

Uhlelo lokusebenza lwamahhala lwe-NerdWallet lwenza kube lula kuwe ukuthi ulandelele, ulondoloze, futhi utshale imali yakho.

TRACK
Ideshibhodi yethu ye-Net Worth ikuvumela ukuthi ulandelele imali yakho, ukutshalwa kwezimali, nokunye okwengeziwe. Sizokunikeza imininingwane mayelana nesikolo sakho sesikweletu kanye nokugeleza kwemali.

THOLA IMPENDULO YOMNCINTISWANO
Sihlanganyele ne-Atomic Brokerage ukuze unikeze ukufinyelela ku-Akhawunti Yemali. Jabulela i-APY yokuncintisana futhi azikho izimali ze-akhawunti noma ubuncane bebhalansi.

YAKHA
Sihlanganyele ne-Atomic Invest ukuze sikunikeze ukufinyelela ku-Akhawunti yabo Yezimali ukuze utshale imali ku-U.S. Treasury Bills.

TSHALA
Sizokunikeza ukufinyelela ku-akhawunti ye-Atomic Invest's Automated Investing ukuze ubeke ukutshala kwakho ku-autopilot.

FUNDA
Sizokusiza ukuxhuma okwenzeka ezindabeni, ezimakethe, kanye nomnotho nezezimali zakho.

THENGA
Sizokubonisa imikhiqizo yezezimali futhi sinikeze ukufinyelela kuzilinganiso nezibuyekezo zamaNerds.

Ukudalula:
Inqubomgomo yobumfihlo ye-NerdWallet: https://www.nerdwallet.com/p/privacy-policy

Imigomo ye-NerdWallet:
https://www.nerdwallet.com/p/terms-of-use

Iphromoshini Ekhokhelwayo Engelona Iklayenti Ye-akhawunti Yomgcinimafa kanye Ne-akhawunti Yokutshala Ngokuzenzakalelayo: I-NerdWallet ihlanganyele ne-Atomic Invest LLC (“Atomic”), umeluleki wokutshalwa kwezimali obhaliswe nge-SEC, ukuze akulethele ithuba lokuvula i-akhawunti yokweluleka ngokutshalwa kwezimali nge-Atomic. I-NerdWallet ithola isinxephezelo sika-0% kuya ku-0.85% wezimpahla ezingaphansi kokuphathwa minyaka yonke, ezikhokhwa nyanga zonke, kuklayenti ngalinye elithunyelwe elivula i-akhawunti ye-Atomic kanye nephesenti lenzalo yemali yamahhala etholwe amakhasimende, okudala ukungqubuzana kwenzuzo.

Amasevisi okuthengisa e-Atomic ahlinzekwa yi-Atomic Brokerage LLC, umdayisi obhalisiwe futhi oyilungu le-FINRA ne-SIPC kanye nenxusa le-Atomic, okudala ukungqubuzana kwezintshisekelo. Ukuze uthole imininingwane eyengeziwe nge-Atomic, sicela uye ku-https://www.atomicvest.com/atomicinvest. Ukuze uthole imininingwane eyengeziwe mayelana ne-Atomic Brokerage, sicela uye ku-https://www.atomicvest.com/atomicbrokerage. Ungahlola ingemuva le-Atomic Brokerage ku-FINRA's BrokerCheck kokuthi https://brokercheck.finra.org/.

Iphromoshini Ekhokhelwa Okungelona Iklayenti Ye-akhawunti Yemali: Ungavula I-Akhawunti Yemali ehlinzekwa yi-Atomic Brokerage LLC ekuvumela ukuthi uthole inzalo ngemali yakho ngohlelo lokushanela ukheshi. Bona ukudalulwa kwe-Akhawunti Yemali ebalulekile kokuthi https://www.atomicvest.com/legal/disclosures/7d9c31dd-bf97-46ae-9803-1774b97187af. I-Atomic Brokerage yabelana ngezinkokhelo ezivela ohlelweni lokushanela imali emabhange ne-NerdWallet ngeklayenti ngalinye elithunyelwe elivula I-Akhawunti Yemali, okudala ukungqubuzana kwenzuzo.

I-Atomic Invest noma i-Atomic Brokerage, nanoma iyiphi inxusa layo ayilona ibhange. Ukutshalwa kwezimali kuzibambiso: Akunamshwalense we-FDIC, Akuqinisekisiwe Ngebhange, Kungase Kulahlekelwe Inani. Ukutshala imali kuhilela ubungozi, okuhlanganisa ukulahlekelwa okungenzeka kukathishanhloko. Ngaphambi kokutshala imali, cabangela izinjongo zakho zokutshala izimali kanye nezindleko nezindleko ezikhokhiswayo.

Izilinganiso Zenzalo Nemali Ebolekiwe Yomuntu Siqu: Ungabuka ukunikezwa kwemali mboleko yomuntu siqu endaweni yemakethe yemalimboleko ye-NerdWallet. Lokhu kuvela kubakhangisi bezinkampani zangaphandle lapho i-NerdWallet ingathola khona isinxephezelo. I-NerdWallet ibonisa imali mboleko yomuntu siqu ngamanani asuka ku-4.60% ukuya ku-35.99% APR ngemigomo esuka ko-1 kuye kongu-7. Amanani alawulwa abakhangisi bezinkampani zangaphandle futhi angashintsha ngaphandle kwesaziso. Kuye ngomboleki, ezinye izinkokhelo zingase zisebenze (njengezimali zokuqalisa noma izinkokhelo zokukhokha sekwephuzile). Ungabuka imigomo nemibandela yokunikezwa okuthile ukuze uthole ulwazi olwengeziwe ngaphakathi kwendawo yemakethe. Konke ukunikezwa kwemali mboleko ku-NerdWallet kudinga isicelo nokugunyazwa ngumbolekisi. Ungase ungafaneleki nhlobo ukuthola imalimboleko yomuntu siqu noma ungase ungafaneleki ukuthola inani eliphansi noma ukunikezwa okuphezulu kakhulu okubonisiwe.

Isibonelo Sokukhokhelwa Okumele: Umboleki uthola imali mboleko yomuntu siqu engu-$10,000 enesikhathi sezinyanga ezingu-36 kanye ne-APR engu-17.59% (okuhlanganisa isilinganiso senzalo saminyaka yonke esingu-13.94% kanye nenkokhelo yesikhathi esisodwa engu-5%). Bazothola u-$9,500 ku-akhawunti yabo futhi babe nenkokhelo yanyanga zonke edingekayo engu-$341.48. Phakathi nesikhathi sokuphila semali mboleko yabo, izinkokhelo zabo zizoba ngu-$12,293.46.