Akanakisa SIPP Accounts muUK muna 2023 - Yakazara Guide

Basa rekutengesa kopi. Yedu Algo inovhura otomatiki uye inovhara kutengeserana.

Iyo L2T Algo inopa masaini ane mari yakawanda ane njodzi shoma.

24/7 cryptocurrency kutengesa. Paunenge wakarara, isu tinotengesa.

10 maminetsi setup ine mabhenefiti akakura. Bhuku racho rinopiwa nekutenga.

79% Kubudirira mwero. Zvibereko zvedu zvinokufadza.

Kusvikira ku70 kutengesa pamwedzi. Kune anopfuura 5 mapeya aripo.

Kunyoreswa kwepamwedzi kunotanga pa £58.

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RESULTS

SIPPs inogona kuva imwe nzira huru kune yakajairwa chirongwa chepenjeni kana iwe uri rudzi rwemunhu anofarira kutora kuzere kutonga kwemari yako. Kureva kuti, iwe uchave nemhosva yekusarudza yako wega mari.

Izvi zvinogona kuuya mumhando dzakasiyana-siyana uye hukuru - hwakadai sechinyakare masheya, ETFs, uye mutual funds. Chinonyanya kukosha, maSIPP anouya nehuwandu hwemutero-mubhadharo - sezvaungawana nehurongwa hwepenjeni.

Mune yedu Dzidza 2 Trade Guide paSIPPs, tinotsanangura zvese zviripo zvekuziva. Izvi zvinosanganisira kutsemuka kwakazara kwemashandiro anoita maSIPP, pamwe nevanopa vakanakisa vari kushanda muUK nzvimbo yekudyara.

 

 

Chii chinonzi SIPP? 

Acronym 'SIPP' inomirira Self Invested Personal Pension. Muchimiro chayo chikuru, maSIPP ndeekuita wega penjeni. Iyo inzira inobhadhara mutero yekuchengetedza mari yako pamudyandigere uye inokupa kutonga kukuru pamusoro pekudyara kwako nemari.  Yakatangwa makore makumi matatu apfuura uye yakakurumbira kupfuura nakare kose - inzira yakatwasuka yekuchengetedza kusvika kumakore ako ekupedzisira ehupenyu.

Vazhinji vedu hatidi kuti kambani hombe iite sarudzo dzekuti mari yatinochengeta inoiswa sei uye imwe yenzira dzakanakisa dzekuwana kuchengetedzeka kwemari kwenguva refu kuve nerubatsiro rwakanakisa. SIPP yako inogona kushandiswa kubata mari, migove, ETFs uye kunyange zvivakwa zvekutengesa, zvakaita senzvimbo dzebhizinesi. Sezvakangoita penjeni yechinyakare, unogona kuwana mari inochengetedza mutero.

Pamipiro inowaniswa mari inosvika pachiyero che £40,000 pagore, zororo remutero rinopihwa, uko mihoro inodarika £240,000 inoderedzwa. Zvichienderana nekuti unofa rinhi, unogona kupfuudza pombi yako yeSIPP kunhengo dzemhuri, uye inogona kunge isina mutero. SIPPs inogona zvakare kuve nzira yakanaka kune vezvemabhizinesi kuti vawane zororo remutero rinofanana nemamwe vatengesi vepenjeni vanowana, pakudyara mubhizinesi.

Junior SIPPs (yevana) inotobvumira vasina kutambira kuti vabhadhare £2,880 gore rega rega remutero, uye Hurumende ichakwidza kusvika pa£3,600. Zvakanyanya kukosha, maSIPP akaunzwa kuti ape vanhu kuwedzera kutonga pamusoro pehari dzavo dzepenjeni. Nezvo zvataurwa, iwe unofanirwa kuve nenguva yakareba kuti vakarurama here kana kuti kwete iwe.

Chii chaunogona Kuisa mari kuburikidza neSIPP? 

Semutemo weUK, pane zvinogumira kune izvo zvaunogona kuisa mari nazvo nepenjeni yechinyakare, sezvo paine mukana mukuru wekudyara kwako kuiswa muhomwe ine njodzi shoma. Kune imwe magumo eiyo spectrum, SIPPs inokupa iwe rusununguko rwekudyara sarudzo. Kudyara kwakawanda kwakasiyana kunogona kuiswa muSIPP, kusanganisira nzvimbo yekutengeserana.

Kana iwe uri wekutanga mumutambo wekudyara edza kusatakurwa, pane kuisa mari mumigove yega iwe unogona kutenga zvirinani kutenga mari-yakavakirwa mari, kuderedza njodzi yako kana kambani yega yaizokundikana. 

Heano mamwe ekudyara ayo maSIPP anogona kubata;

• Masheya uye Masheya
• Investment uye Unit Trusts
• Open-Ended Investment Firms
• Hurumende uye Corporate Bonds
• pfuma
• ETFs
• mari
• mugove

Kusiyana nepenjeni yechinyakare, inishuwarenzi ndiyo yega mari yekudyara yausingakwanise kuisa mari mairi kuburikidza neSIPPs.

SIPPs: Ndoda Yakawanda Sei? 

NeSIPP une sarudzo dzakadai sekubhadhara nguva dzose pamwedzi, kuisa mari yakawanda, kana musanganiswa wezviviri. Ndeipi sarudzo yakanakira iwe ichaenderana zvakanyanya nemamiriro ako ezvinhu. Kana iwe uri mukutanga kwehupenyu hwako, zvingave zvakanyanya kubatsira kuti iwe uise mari yenguva dzose pamwedzi mukati memakumi emakore.

Nenzira iyi, maSIPP anogona kushandiswa sekudyara kukuru kwenguva refu, zvichikutendera kuti utsungirire chero kugadziriswa kwemusika kwaungangosangana nako, pamwe nekubatsirwa kubva kune chero capital iripo, uye dzimwe nguva kunyange periodic dividends. Gara uchitarisa mazwi emupi weSIPP sezvo ruzhinji rwemabhuroka anotsanangura hudiki hwekudyara chikumbaridzo.

Ndepapi pandingawana mari yangu yeSIPP kunze?  

Sezvo zvirambidzo zvakabviswa muna Kubvumbi 2015, iwe zvino wava kubvumidzwa kubata mari kubva mupenjeni yako kubva pazera remakore 55. Kana ukasarudza kutora mari yako yose panguva imwe chete, yekutanga 25% inenge iine bundu risina mutero. , nepo vamwe vose vachizobhadhariswa mutero semuhoro. Vanhu vazhinji vachawana makumi mashanu neshanu kare kare kuti vawane mukana wepenjeni yavo, kunze kwekunge uine imwe nzvimbo yekuwana mari, kana mari yakawanda muSIPP yako.

Sezvo maSIPP anoitirwa gare gare muhupenyu, pane zvishoma zvinotemerwa kuti uzive nezvazvo. Kana ukafa usati wasvitsa makore makumi manomwe nemashanu, vabatsiri vako vanokwanisa kutora mutero wepenjeni yese usingabhadhari. Nekudaro, kana ukafa mushure memakore makumi manomwe nemashanu vanobatsirikana vane mashoma sarudzo;

• Vanobatsirwa vanogona kusarudza kudonhedza mari kana annuity, kuti vatore mari yenguva dzose iyo inozobhadharwa pamutero wemutero panguva iyoyo.
• Imwe sarudzo ndeyekutora periodical lump sum payments. Mari yekubhadhara inotorwa semari, saka chero chinhu chiri pamusoro chinotemerwa mutero zvinoenderana nemitero yemutero panguva iyoyo.
• Kana mubatsiri akasarudza kutora homwe yese mune imwe kuenda, homwe yese yepenjeni inosarudzwa kune yakakodzera mutero wemutero, sepamusoro. 

Njodzi dzeKusarudza yeSIPP 

Nepo paine njodzi huru nekusarudza SIPP pamusoro pepenjeni yechinyakare, senge nezvinhu zvakawanda muhupenyu, pane njodzi, panogona kuve nemabhenefiti akawanda. Pamberi peizvi mukana wekuwana mibairo yepamusoro kupfuura iyo mupi wepenjeni anowanikwa. Usati waziva kuti SIPP yakakunakira ndeipi, funga nezvekuti mari yako yauchaisa ichave yakakosha sei, uye rudzi rwekudyara rwauchabata.

SIPPS inowanzokodzera kune avo vane ruzivo rwekudyara kwemari, sezvo pasina vimbiso. Kana iwe uri mutsva kukudyara kwemari, mari ine njodzi yakaderera inogona kunge iri yako yakachengeteka sarudzo. Nenzira iyi, mumwe wevazhinji mamaneja ehomwe anotonga mari yako pachinzvimbo chako, iwe uchiramba uchidzora kuzere kwekudyara kwako. Iwe unogona zvakare kuwedzera kana kushandura mari pane imwe nguva inotevera.

Kazhinji, femu yekudyara yaunotenga nayo haibate mari, asi inongoshanda senzira yekuisa mari yako mukati, ingave yemasheya, mari kana kumwe kudyara. Saka kunyangwe zvisingaite zvakanyanya, kana mupi weSIPPS wako akabhuroka, mari yako inofanira kuchengetedzwa nebhanga rakasiyana kana fund manager.

Kana imwe yemafemu ikaparara, chokwadi pane chirongwa chemuripo chiripo. Pasi peyakajairwa £85,000 pamunhu, mari yako inofanirwa kuchengetedzwa neFCSC scheme. Dziviriro inoshanda chete kana mari yako yarasika nekuda kwekudyara Provider kuenda kuputika - uye ikozvino mari inopesana newe. 

Ndedzipi Mari dzinochajwa neSIPP Providers? 

Muchidimbu, makambani anopa maSIPPs ndevechitatu-party broker, saka sezvinotarisirwa kune zvakasiyana-siyana zvekubhadhara zvakasiyana zvaunofanira kufunga nezvazvo. 

Heano mamwe emari anonyanya kukosha ekufunga nezvazvo.

• Gadzira mari: Mumusika unokwikwidza zvikuru weSIPP chikamu, vazhinji vanopa havakubhadharisi mari yekuseta paunovhura account. Gara uchitarisa izvi sezvinoita vamwe vanopa, uye zvinogona kunge zviri mumazana emapaunzi.
• Kuchengetedza Kwegore: Kazhinji kutaura izvi zvichabhadhariswa huwandu hwemari yeSIPP yaunayo, sechikamu. Kana uchidyara muhomwe kuburikidza neSIPP yako, ungangobhadhariswa mari yegore negore yemaneja.
• Mari yekutengeserana nedhiri: Kazhinji muchimiro chechikamu chemari inotengeswa, kana mubhadharo wakatsetseka (wakagadziriswa), zvinokwanisika kuti uchave uri pasi pekubhadhara mari kana uchitenga kana kutengesa mainvestimenti. Panzvimbo pekuchaja mari yegore kana yemwedzi, mupi wako anogona kukubvumidza kuti uite huwandu husingagumi hwe 'kutengesa mahara'. Funga kutarisa mumitengo yakachipa yekutengesa kana uchinge uchinge uchiwanzo tengesa.
• Mari dzekubuda nekufambisa: Kana ukafunga kuendesa mari yako kune mumwe mupi kana penjeni yakaparadzana, unogona kubhadhariswa muripo (kunyangwe vamwe vanopa vachiitira izvi mahara, saka gara uchitarisa). Gara uchisimbisa muripo wekubuda kweanopa, sezvo vamwe vangakubhadharisa muripo wega wega wega wega wekudyara unobatwa.

Best SIPP Provider UK

Pazasi takasarudza edu akanyanya kukosha maSIPP a2023. Unozofanirwa kuona kuti ndeipi inoshanda zvakanyanya kwauri uye zvaunoda, zvichienderana nezvinhu zvakaita se:

• saizi yekudyara kwako
• zvauri kufarira kuisa mari mazviri
• uye kangani iwe unotenga nekutengesa mainvestimenti.

1. Hargreaves Lansdown – Yakanakira Newbies

Hargreaves Lansdown ane mukurumbira wemasheya broker mumutambo wekudyara weUK. Kutenga nekutengesa migove hakusati kuri kwakachipa, asi kune vanhu vane mapotfolio madiki uye vasina ruzivo rwakanyanya mukudyara, Hargreaves SIPP inogona kunge iri sarudzo yakanaka.

Inozivikanwa nebasa rayo repamusoro revatengi, Hargreaves Lansdown inotova nemapotifolio ekare, kune avo vasinganzwe kugadzikana zvizere kutora sarudzo sekusarudza zviridzwa zvega. Inobhadhara kusvika 0.35% pamari isina kuisirwa muSIPP, inove ine makwikwi. 

Mamwe ruzivo rwakakosha pamubhadharo;

• Mari yekufambisa: Hazvigoneke
• Mari yegore negore yekubhadhara mari: 0.45% (kusvika pa£250,000), 0.25% (£250,000 - £1m), 0.10% (£1m-£2m), chero chinhu chiri pamusoro pe2 miriyoni hachichabhadhariswa.
• Mutero wepagore wemasheya: 0.45% (kwete kupfuura £200)
• Kutenga nekutengesa mari: Hapana muripo
• kutenga uye kutengesa migove: £11.95 (kusvika 9 madhiri), £8.95 (10-19 madhiri), £5.95 (20 madhiri kana kupfuura)

2. Interactive Investor - Yakanakira Mari Yakakura

Kana uri kuronga kuisa mari yakawanda (nekuendesa kubva kune imwe SIPP, kana zvakananga), ipapo Interactive Investor isarudzo inokwikwidza pamari ye£50k zvichikwira. 

Interactive Investor ichakubhadharisa mubhadharo wekutonga wepaundi zana nemakumi maviri pagore, pamwe neVAT. Panzvimbo pechikamu chekudyara kwako, iyi ichave mubhadharo wakapfava, wakanakira avo vako vane mapotifolio akakura (paundi 120k kuti ive yakakosha)

Mamwe ruzivo rwakakosha pamubhadharo; 

• Mari yekufambisa: Hazvigoneke
• Admin muripo: £10 pamwedzi (mubhadharo uyu unogona kudzikiswa kusvika pa-£6 kana uchitengesa kakawanda
• Kutenga nekutengesa mari: £ 7.99 kana zvachose yemahara kune kazhinji mari.
• Kutenga nekutengesa masheya: £ 7.99 kana zvachose yemahara kune kazhinji mari

3. AJ Bell - Yakanakisisa kune Zvidiki Zvidiki 

AJ Bell ndomumwe wevakuru vanopa manejimendi uye trustee masevhisi eSIPPs. AJ Bell inogona kunge iri sarudzo yakanakira iwe kana iwe uchitoziva kuti ndiwe kwete kuenda kune poto yakakura kwazvo yepenjeni (isingasviki £50,000). 

Mamwe ruzivo rwakakosha pamubhadharo;

• Mari Yekufambisa: £75 plus £25 pamubhadharo wekubata
• Mari yegore negore yekubhadhara mari: 0.25% (kusvika pa£250,000), 0.10% (£250,000 - £1m), 0.05% (£1 – £2, chero chinhu chiri pamusoro pe2 miriyoni hachichabhadhariswa.
• Kutenga nekutengesa mari: £1.50
• Kutengesa kana kutenga masheya: £9.95 (£4.95 yevatengi vane anopfuura gumi ekugova madhiri mumwedzi)

4. Kuvimbika - Zvakanakisa zveDiversification

Yakatangwa muna 1946 seFidelity Investments, muna 1969 ruoko rwepasi rose rwakavambwa runonzi Fidelity International. Nevatengi vanopfuura mamirioni mazana maviri nemazana mana pasi rese uye mari inopfuura mazana maviri nemakumi mana iri kushanda, Fidelity mutambi akanyatsosimbiswa muindasitiri iyi.

Kana iwe uri kufunga nezvekudyara mune dzakawanda mari kubva kuFidelity's in-house range, funga kuenda kwavari zvakananga. Nenhamba yakanakisa yezvishandiso zvekutsvagisa uye nzwisiso yekushambadzira, chikuva chiri nyore kushandisa. Nhamba yefoni yemahara yeUK inowanikwawo kune vatengi vane mimwe mibvunzo.

Pane mubhadharo wepagore wauchazofanira kubhadhara, kune imwe homwe yaunodyara mariri, izvi zvinogona kusiyana zvichienderana nehomwe. Fidelity mari ine njodzi yakanyanya kupfuura vamwe. Padivi repafiripi, unogona kusarudza kuti ndeipi mari yauri kufarira kuisa mari mairi - saka iwe une kutonga kwakazara. 

• Mari yegore negore: Kuvimbika kunochaja muripo we0.35% yeSIPP, kana vakabata mari inokwana £250,000 muripo uyu ukawedzera kudzikiswa.
• Kutanga: Fidelity SIPPS inogona kutangwa nemari shoma se£50 pamwedzi, zvichienderana nemari yaunowana. Iwe unogona kupa £ 40,000 pagore uye kugamuchira rubatsiro rwemutero.
• Mari yekufambisa:  Upto £500, kubva kune yako yapfuura SIPP mupi, ichavharwa neFidelity
• Minimum: Iwe unozoda mari ye-£ 800 kuti utange, imwe sarudzo mubhadharo wepamwedzi we- $ 40.

Maitiro ekutengesa kuburikidza neSIPP Online - Newbie Guide

Zvichitaurwa zviri nyore, kutengesa kuburikidza nemupi weSIPP inzira yekutenga nekutengesa migove, kazhinji kwenguva refu. Pfungwa huru ndeyekutengesa masheya nemutengo wepamusoro pane wawakabhadhara pakutanga, kana kutenga masheya nemutengo wakaderera pane wawakabhadhara pakutanga.

Iwe unofanirwa kuzvibvunza kuti ndezvipi zvaunoda, semuenzaniso, mubhadharo unonyanya kukosha? Kana kuti pamwe iwe unoda chaizvo kuwana misika yepasirese? Kune huwandu hukuru hwemastock broker anoshanda online, saka hauzoperevedze sarudzo. Ikozvino zvese zvaunoda kuita kutsvaga bhuroka inogara zvaunoda. Mukuita izvi, iwe unenge uine huwandu hwakakura hweequities nekudzvanya kwegonzo.

Kuvhura Account

Saka, iwe wakasarudza yako SIPP saiti yekudyara, chii chinotevera? Iye zvino unofanirwa kunyorera kuti uvhure account. Sezvinoita indasitiri-yakajairwa munzvimbo yekudyara yepamhepo, izvi zvinosanganisira kupa ruzivo rwakasiyana senge zita, kero, zuva rekuzvarwa, ruzivo rwekufonera, uye zita rekushandisa uye password yesarudzo yako. Kuti uone chitupa chako, unofanirwa kuisa kopi yechitupa chako. Kazhinji, mutengesi anozozvisimbisa nekukasira.

Dhipoziti Mari

Iye zvino iwe uchada kuisa imwe mari kuti utange. Sarudzo dzekubhadhara dzichasiyana zvichienderana nebroker.

Nzira dzekubhadhara dzinonyanya kuzivikanwa ndeidzi:

• Dhibhiti / Kiredhiti Kadhi
• PayPal
• Bhiri Wire Transfer
• Skrill
• Neteller

Kusarudza Investments

Iwe unogona ikozvino kutanga kutsvaga masheya kana mamwe mainvestimenti ekutengesa. Kana iwe uchida kumwe kurudziro - tarisa kuburikidza neakawanda mushandisi-ane hushamwari madhairekitori atakanyora pane Dzidza 2 Trade webhusaiti. Kana waona asset yaunoda kutengesa, unogona kuisa odha. Ndokumbira utsvage pazasi mamwe matanho ekutanga ekuti utange pakutengesa kwako kwekutanga.

• Ita sarudzo pakati pekutenga (refu) kana kutengesa (pfupi) 
• Unoda kutengesa marii?
• Sarudza pamusika / muganhu wekuraira
• Shandisa chiyero (kana zvichibvira)
• Sarudza kuwedzera kwakawanda
• Gadzira kumira-kurasikirwa kurongeka, kuitira kuti iwe uri kuderedza njodzi yako
• Gadzira kutora purofiti kurongeka, kuitira kuti uvhare purofiti yako mukati.
• Simbisa odha yako (izvi zvinongotora masekonzi mashoma)

Kuvhara Chinzvimbo

Kana zvasvika pakuvhara kutengeserana kwako kwemasheya, izvi zvinoenderana nekuti unoisa maodha api. Semuenzaniso, kana iwe ukaisa 'tora purofiti' uye 'kumira-kurasikirwa' odha, izvi zvinongoitwa zvoga, nekuti pane zviviri chete zvinogoneka. Iwe unoita mari semhedzisiro yekuti 'tora purofiti' yako ishandiswe, kana iwe unorasikirwa nemari kana yako yekumira-kurasikirwa odha yaitwa.

Iwe unongoda kuvhara kutengeserana kwako kwekudyara nemaoko kana usati waisa chero maodha pane yekutengesa masheya. Kana iwe ukaendesa 'kutenga odha', unozofanirwa kuendesa 'sell odha', kuti iwe ugone kubuda mukutengesa. Kana kune rumwe rutivi iwe waendesa 'sell order', unofanirwa kuendesa 'kutenga odha' kuti ubude.

Zvaunowana zvichabatanidzwa mune yako kutengeserana kwemasheya account yakazara chiyero nekukurumidza kana bhizimusi rako ravharwa!

Nzira yekusarudza SIP Provider?  

Vane mukurumbira weSIPP vanopa vanodzorwa netier-one rezinesi body uye vanopa yakaderera mubhadharo, kupararira uye makomisheni. Zvakare kuwedzera, kutengesa kupfupi uye timu hombe yebasa revatengi iwe uchafanirwa kusarudza chikuva chaunoona chiri nyore kufamba zvichienderana nezvaunoda chaizvo.

Iwe unoda yepuratifomu yako yakasarudzwa kuti ienderane neyako ikozvino yekutengesa mamiriro, uye edza kusanetseka nezve mamwe maficha ausingazoshandise. Mushure mezvose, iwe unogona kazhinji kuigadzirisa gare gare pasi pemutsara. Funga nezve mangani eaya mabasa aungave uchishandisa kwenguva yakareba. 

Hezvino zvimwe zvinhu zvekufunga usati watora kunyura neSIPP inopa saiti:

chengetedzo

Kuti uve nechokwadi chekuti mari yako yakachengeteka, iwe unofanirwa kuve nechokwadi kuti yako stock yekutengesa chikuva inodzorwa nemuviri senge FCACySEC uye ASIC.

Miganhu pane leverage

Kana iwe uine chishuwo chepamusoro chenjodzi, ita shuwa kuti broker yako yesarudzo inotsigira kutengeserana nekuwedzera. Dzimwe nyika hadzina kumanikidzwa, saka hadzina miganhu munzvimbo - zvichireva kuti mabhuroka anogona kupa mavheti anosvika mazana mashanu: 500. MuUK, chiyero chichavharwa pa1: 5 kana uchitengesa masheya.

Makomisheni/Kupararira

Kana uchikwanisa, tsvaga SIPP yekutengesa chikuva ine yakaderera makomisheni uye yakasimba kupararira. MaBroker mazhinji anopa trades komisheni-yemahara, zvisinei, iwe unogona kuwana iyo waridza kuva pamusoro zvishoma. Zvichipesana nebroker inogona kupa zero-inopararira, asi yakakwirira makomisheni.

Kubvisa mutemo

Kazhinji inofuratirwa, gara uchitarisa kuti broker anotora nguva yakareba sei kana achigadzirisa kubvisa. Huwandu hwenguva huchasiyana kubva kumaawa kuenda kumazuva, nepo mazhinji achitanga maitiro ekubvisa mari mukati memaawa makumi mana nemasere ekukumbira kwako.

Maturusi ekutsvaga

Zvakakosha kushandisa zvishandiso zvekutsvagisa zvauinazvo. Vazhinji veSIPP vanopa vanozopa tekinoroji yekuongorora senge maturusi ekuverenga machati. Iwe zvakare uchawana broker iyo inopa matipi ekutengesa uye nhau munguva-chaiyo - iyo inobatsira zvikuru.

Misika inotengeswa

Kunyangwe iwe uchida kutengeserana muUK kuburikidza neLondon Stock Exchange, kana misika yepasi rose - gara uchitarisa huwandu hwemasheya akapihwa neSIPP plaform, uye ndeapi machinjana anowanikwa kwauri.

kubhadhara

Izvi zvinoita sezviri pachena, asi zvakakosha kuziva kuti akasiyana SIPP ekutengesa mapuratifomu anopa nzira dzekubhadhara dzakasiyana. Kana zvaunofarira uchiisa nedebit kana kadhi rechikwereti saka unogona kutanga kutengesa nekukurumidza. Kana iwe uchida kubatsirwa kubva ipapo madhipoziti saka E-wallet ipfungwa yakanaka. Kana zvasvika pakuisa mari neakaundi yekubhangi, unogona kuona kuti zvinotora mazuva mashoma kuti usvike kuaccount yako, padivi pekuwedzera unogona kuve nekodzero yekukwirisa.

vatengi

Sezvineiwo, iwe unoda kutsvaga stock yekutengesa chikuva ine 24-awa rutsigiro rwevatengi, kana 24/5 (maererano neiyo yemisika yemari). Live chat zvakare inobatsira zvikuru pakutsigira ipapo sezvo ichibvisa kukosha kwekufona.

mhedziso

Paunenge uchifunga kuti SIPP isarudzo yakanaka yezvaunoda here, ita shuwa kuti wanyatso ongorora kuti yakawanda sei papuratifomu yako yaunosarudza ichakudhurira iwe paunenge uchiisa mari mairi. Izvo zvakakoshawo kuti utarise mari iyo chikuva ichakubhadharisa iwe yekuwana mari yako mune ramangwana.

Ehe, izvi zvinowanzoenderana nekuti imarii yauri kuronga kuisa mari, uye kwenguva yakareba sei, asi iwe unogona kuona kuti hazvina maturo kuva nepuratifomu isingadhure kutanga nayo, apo inogona kupedzisira yadhura mari yakawanda kuiendesa. kunze.

Nepo maSIPP achipa rusununguko uye mamwe akawanda mabhenefiti emitero, haasi emunhu wese. Kune vanhu vazhinji iyo Self Invested Personal Pension inongotyisa. Kana iwe uchinzwa usina kugadzikana nekusarudza yako yekudyara, uye uchinyanya kutonga yako wega yekudyara portfolio (pamwe nenjodzi inosanganisirwa), saka ingangove isiri iyo yakakodzera sarudzo yepenjeni kwauri.

Nekuomerera nehurongwa hwepenjeni hwekare, unenge uine nyanzvi inobata mari yako nekudyara panzvimbo yako.