Ho Sebelisa Theknoloji ho Lichelete tsa Motho ka Mong
Theknoloji e ntse e fetoha karolo ea bohlokoa ea bophelo ba letsatsi le letsatsi, ho kenyeletsoa le lichelete tsa botho. Karolo ea theknoloji tsamaisong ea lichelete tsa botho e holile ka potlako, e leng se nolofalletsang batho ho rera, ho boloka le ho laola lichelete tsa bona ka katleho le ka katleho. Sengoloa sena se tla tšohla kamoo theknoloji e ka sebelisoang kateng licheleteng tsa botho le lisebelisoa le lits'ebetso tse fapaneng tse ka sebelisoang ho fihlela boiketlo ba lichelete.
Moralo oa Lichelete ka Likopo tsa Tekanyetso
Ho rera ditjhelete ke kgato ya pele le ya bohlokwa ka ho fetisisa tsamaisong ya ditjhelete tsa motho ka mong. Ntle le moralo o hlakileng, ho thata ho fihlella dipheo tsa ditjhelete tse kang ho reka ntlo, ho rera thuto ya bana, kapa ho tlohela mosebetsi. Mona ke moo theknoloji e bapalang karolo ya bohlokwa. Ho na le di-app tse fapaneng tsa tekanyetso tse ka thusang batho ho rera le ho laola tshebediso ya bona ya tjhelete. Di-app tse ding tse tsebahalang di kenyeletsa Mint, YNAB (O Hloka Tekanyetso), le PocketGuard.
koena
Mint ke e 'ngoe ea li-app tse tsebahalang haholo tsa tekanyetso, tse jarollotsoeng ke basebelisi ba limilione lefatšeng ka bophara. Sesebelisoa sena se lumella basebelisi ho hokahanya liakhaonto tsohle tsa bona tsa lichelete, ho kenyeletsoa liakhaonto tsa banka, likarete tsa mokitlane le likalimo, sethaleng se le seng. Mint e arola litšenyehelo ka bo eona, e fana ka kakaretso e felletseng ea hore na chelete ea hau e ea kae, 'me e fana ka maikutlo a lichelete ho latela mekhoa ea hau ea tšebeliso. Ho feta moo, Mint e fana ka likarolo tsa ho lekola lintlha tsa hau tsa mokitlane le ho fana ka likeletso tsa lichelete tse ikhethileng.
YNAB (O Hloka Budget)
YNAB ke sesebelisoa sa tekanyetso se shebaneng le ho fetola mekhoa ea basebelisi ea ho laola chelete. Sesebelisoa sena se sebetsa ka melao e mene: Fana ka dolara e 'ngoe le e 'ngoe mosebetsi, rera litšenyehelo tse sa lebelloang, sebelisa chelete ea selemo se fetileng bakeng sa litlhoko tsa khoeli ena, 'me u ikamahanye le maemo ha maemo a fetoha. Ka YNAB, basebelisi ba khothalletsoa ho ba mafolofolo haholoanyane ho raleng tekanyetso ea bona, e leng se ka thusang ho fokotsa sekoloto le ho eketsa poloko.
PocketGuard
PocketGuard ke sesebelisoa se seng se thusang basebelisi ho laola tekanyetso ea bona ka tsela e bonolo le e utloisisehang habonolo. E bontša hore na u saletsoe ke chelete e kae ka mor'a ho bala likoloto, lipakane tsa polokelo le litlhoko tse ling. Tšobotsi ea "Ka Pokothong ea Ka" e fana ka kakaretso e hlakileng ea hore na ho setse chelete e kae bakeng sa litšenyehelo tsa letsatsi le letsatsi.
Ho Boloka le ho Tsetela ka Robo-Advisors le Lisebelisoa tsa Matsete
Ho boloka le ho tsetela ke likarolo tse peli tsa bohlokoa tsa lichelete tse phetseng hantle tsa motho ka mong. Theknoloji e entse hore ts'ebetso ena e be bonolo le e fumanehang habonolo ho bohle ka ho sebelisa baeletsi ba robo le lisebelisoa tsa matsete.
Baeletsi ba Robo
Baeletsi ba Robo ke liforomo tsa dijithale tse fanang ka lits'ebeletso tsa moralo oa lichelete tse iketsahallang tse tsamaisoang ke li-algorithms. Baeletsi ba bang ba robo ba tsebahalang ba kenyelletsa Betterment, Wealthfront, le Stash. Litšebeletso tsena hangata li kenyelletsa ho theha potefolio ea matsete ho latela boemo ba hau ba kotsi le lipheo tsa matsete, ho leka-lekanya boiketsetso le ntlafatso ea lekhetho.
Phetoho
Betterment ke e 'ngoe ea baeletsi ba robo ba tsebahalang haholo, ba fanang ka likarolo tse fapaneng bakeng sa ho boloka le ho tsetela ka katleho. Sethala sena se sebelisa li-algorithms tse rarahaneng ho laola potefolio ea hau ea matsete, ho netefatsa kabo e ntle ea thepa ho latela lipheo tsa hau tsa matsete le mamello ea likotsi. Betterment e boetse e fana ka liakhaonto tsa ho tlohela mosebetsi le likarolo tse ling tse kang ho leka-lekanya boiketsetso le kotulo ea tahlehelo ea lekhetho.
Wealthfront
Wealthfront e fana ka lits'ebeletso tse ts'oanang, e shebane le moralo o felletseng oa lichelete le mefuta e fapaneng ea liakhaonto tsa matsete. Wealthfront e ka thusa ho rala lipheo tse fapaneng tsa lichelete, joalo ka ho tlohela mosebetsi, thuto le ho reka matlo, ka lisebelisoa tsa eona tse rarahaneng tsa ho rala.
Kopo ea Matsete
Ntle le baeletsi ba robo, ho boetse ho na le mananeo a fapaneng a matsete a nolofatsang ts'ebetso ea matsete bakeng sa batho ba khethang mokhoa oa ho iketsetsa (Iketsetse). Mananeo a kang Robinhood, Acorns, le E TRADE a lumella basebelisi ho rekisa li-stock, libonto le lichelete tse kopanetsoeng habonolo.
Robinhood
Robinhood ke sesebelisoa se tsebahalang sa ho rekisa li-stock, haholo-holo har'a batseteli ba banyenyane. Ka sebopeho se bonolo le se se nang litefiso tsa komishene, Robinhood e lumella basebelisi ho reka le ho rekisa li-stock, li-ETF le likhetho habonolo. Ho sa tsotellehe khang e potileng tšekamelo ea sesebelisoa ea ho khothaletsa khoebo e feteletseng, Robinhood e ntse e le khetho e holimo bakeng sa batseteli ba bangata ba qalang.
Macorn
Acorns ke sesebelisoa se iketsang ts'ebetso ea matsete ka ho "boloka" chelete efe kapa efe e setseng. Sesebelisoa sena se bokella theko e 'ngoe le e 'ngoe eo u e etsang ho ea ho dolara e haufi 'me se tsetela "phetoho" ho portfolio e fapaneng. Ke tsela e ntle ea ho qala ho tsetela ntle le ho nahana ka thata haholo.
Laola Melato ka Lisebelisoa tsa Taolo ea Melato
Taolo ea mekitlane ke karolo ea bohlokoa ea lichelete tsa motho ka mong eo hangata e hlokomolohuoang. Mekitlane e sa laoleheng e ka sitisa moralo oa lichelete le ho baka khatello ea maikutlo. Theknoloji e ka u thusa ho laola mekitlane ea hau ka li-app tse fapaneng tsa taolo ea mekitlane.
Moralo oa Tefo ea Mekoloto
Moqapi oa Tefo ea Mekitlane ke sesebelisoa se thusang basebelisi ho theha moralo o sebetsang oa ho lefa mekoloto. Sesebelisoa sena se lumella basebelisi ho kenya lintlha tsohle tsa bona tsa mekoloto, ho kenyeletsoa litefiso tsa tsoala le chelete ea tefo ea khoeli le khoeli, ebe se hlahisa moralo o motle oa tefo. Moqapi oa Tefo ea Mekitlane o fana ka lintlha tse bonahalang tse bontšang kamoo tefo ka 'ngoe e amang sekoloto sohle le hore na sekoloto se tla lefshoa ka botlalo neng.
Tally
Tally ke sesebelisoa se tsoetseng pele haholoanyane sa taolo ea mekitlane, se fanang ka tefo ea mekitlane ka boiketsetso le likarolo tsa ho kopanya likarete tsa mokitlane. Tally e beha leihlo likarete tsa hau tsa mokitlane 'me e etsa litefo tse fokolang ho qoba litefiso tsa morao. Ho feta moo, Tally e fana ka mola oa mokitlane o nang le sekhahla se tlase sa tsoala ho u thusa ho lefa sekoloto sa karete ea hau ea mokitlane kapele.
Tlhokomelo ea Mokitlane ka Kopo ea Tlhokomelo ea Mokitlane
Ho beha leihlo lintlha tsa hau tsa mokitlane ke karolo ea bohlokoa ea tsamaiso ea lichelete ea motho ka mong. Lintlha tse ntle tsa mokitlane li bula menyetla ea ho fumana likalimo tsa tsoala e tlase, ho hira folete, kapa esita le ho fumana mosebetsi. Ho na le mananeo a fapaneng a ho beha leihlo lintlha tsa mokitlane a ka u thusang ho boloka bophelo bo botle ba mokitlane oa hau.
Karma ea Mokoloto
Credit Karma ke e 'ngoe ea li-app tse tsebahalang haholo tsa ho beha leihlo mokitlane. E fana ka phihlello ea mahala ho lintlha tsa hau tsa mokitlane le litlaleho tse tsoang ho Equifax le TransUnion. Ho feta moo, Credit Karma e fana ka likeletso tse ikhethileng mabapi le ho ntlafatsa lintlha tsa hau tsa mokitlane le ho u lemosa ka liphetoho life kapa life tse belaetsang tlalehong ea hau ea mokitlane.
Boiphihlelo
Experian ke e 'ngoe ea liofisi tse tharo tse kholo tsa mekitlane 'me e boetse e fana ka sesebelisoa sa ho beha leihlo mekitlane. Sesebelisoa sa Experian se fana ka phihlello ea mahala ho lintlha tsa hau tsa mekitlane le tlaleho e felletseng ea mekitlane, hammoho le lisebelisoa tse fapaneng ho u thusa ho utloisisa le ho ntlafatsa lintlha tsa hau tsa mekitlane.
Qetello
Theknoloji e tlisitse liphetoho tse kholo tseleng eo re laolang lichelete tsa rona tsa botho. Ho tloha ho rala tekanyetso, ho boloka, ho tsetela, ho laola likoloto, ho isa ho lekola lintlha tsa rona tsa mokitlane, ntho e 'ngoe le e 'ngoe e fumaneha habonolo ka lisebelisoa le lisebelisoa tse fapaneng tsa dijithale. Ka ho sebelisa theknoloji ena, batho ka bomong ba ka laola lichelete tsa bona tsa botho ka katleho le ka katleho, ba fihlella lipheo tsa bona tsa lichelete, 'me ba ntlafatse boiketlo ba bona ba lichelete ka kakaretso. Kahoo, ha ho na lebaka la ho se qale ho sebelisa theknoloji licheleteng tsa hau tsa botho kajeno!
