NerdWallet: Smart Money App

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

TRACK
Sizolandelela ukubaluleka kwakho konke, okusebenzisayo, okubhalisele, kanye nesikolo sakho — ukuze uthole ukuqonda okucacile kwezimali zakho zansuku zonke.

GCINA
Sihlanganyele ne-Atomic Invest ukuze sikunikeze ukufinyelela ku-akhawunti yabo yoMgcinimafa, enesivuno esingcono kunama-akhawunti okulondoloza imali eningi.

TSHALA
Futhi sizokunikeza ukufinyelela ku-akhawunti yokutshala imali ezenzakalelayo ye-Atomic Invest ukuze ubeke isakhiwo sakho somcebo ekuzishayeleni ngokuzenzekelayo.

THENGA
Sizokunikeza ukufinyelela ezilinganisweni zethu eziyinjongo nezibuyekezo - ukuze ukwazi ukukutholela imikhiqizo yezezimali ehamba phambili.

Imibono ye-NERDY
Sizokunikeza imininingwane yezezimali engenzeka mayelana nesikolo sakho, ukuhamba kwemali, kanye nenani lengqikithi - ukuze uqale ukwenza imali ehlakaniphile manje.

Kungani ube yilungu le-NerdWallet+ ngo-$49/ngonyaka?
• Zuza kufikela ku-$599/ngonyaka ngemiklomelo yemali*
• Thola izinkokhelo ezikhethekile ezincishisiwe zokuphatha utshalomali ku-akhawunti Yomgcinimafa We-Atomic kanye ne-akhawunti yokutshala imali ezenzakalelayo ye-Atomic
• Thola ukufinyelela kusiphathi sokubhaliselwe se-NerdWallet+ esinikwa amandla yi-ScribeUp

Ukudalula:
Inqubomgomo yobumfihlo ye-NerdWallet: https://www.nerdwallet.com/p/privacy-policy
Imigomo ye-NerdWallet:
https://www.nerdwallet.com/p/terms-of-use
Imigomo yesevisi ye-NerdWallet+: https://www.nerdwallet.com/lp/nerdwallet-plus/terms-of-service

*Isamba semiklomelo emikhulu ehlanganisiwe ngu-$599, engashintsha ngaphandle kwesaziso. Imiklomelo ingase ibe ngaphansi kwemibandela ehlukene, futhi kungase kudingeke izinyathelo zokufaneleka ezengeziwe. Bona imigomo egcwele ukuze uthole imininingwane.
I-NerdWallet ihlanganyele ne-Atomic Invest LLC (“Atomic”), umeluleki wokutshalwa kwezimali obhaliswe nge-SEC, ukuze alethe 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/.

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 yokunikezwayo 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.