Chip - Savings and Investments

I-Chip iwuhlelo lokusebenza lokonga nokutshala oluwina umklomelo elenza kube lula ukuphatha ingcebo yakho.

IDIPHOSI KUMAKHAWUNTI OKUGCINA

Sinikeza ama-akhawunti okonga amaningana, wonke ahlinzekwa amabhange agunyazwe e-UK futhi ambozwe I-Financial Services Compensation Scheme (FSCS).

IZIMALI ZOKUFINYELELA OKUSHESHAYO NGEzinga ELIKHULU

I-Chip Instant Access Account iyi-akhawunti yokonga efinyeleleka kalula enezinga lenzalo eliqhudelana kakhulu (elivame ukuhamba phambili emakethe). Sihlose ukuyihambisa nemakethe ukuze uhlale uthola isilinganiso esihle ngaphandle kokudinga ukuqhubeka nokusesha nokushintsha.

IDIPHOSI YOKUWINA u-£10,000

Nge-Akhawunti Yokulondoloza Umklomelo We-Chip, inyanga ngayinye, sizokhokha imiklomelo efika ku-£52k. Lokhu kuhlanganisa Umklomelo Omkhulu ka-£10k, kanye nezinkulungwane zemiklomelo emincane.

Kumahhala ukungena, udinga nje ukubamba ibhalansi emaphakathi engu-£100 ku-akhawunti. (Ama-T&C nemibandela yokufaneleka iyasebenza).


YAKHA INGCEBO NGEZANDLA NGEZINHLELO ZOKUGCINA


Yonga imali ngokuzenzakalelayo usebenzisa i-AI, noma dala uhlelo olubekiwe lokuhlanganisa ama-akhawunti akho okonga nezimali zokutshalwa kwezimali ohlelweni olungokwezifiso.

TSHALA EZIMALINI

Senza kube lula ukusebenzisa imali yakho ngezimali zokutshala ezixhaswe abaphathi bempahla abakhulu emhlabeni, njengoBlackRock, Vanguard kanye ne-Invesco.

Lezi zimali ezihlukene zikuvumela ukuthi utshale ezimpahleni eziningi ngesikhathi esisodwa. Ungakhetha phakathi kwezimali ezihlukene emhlabeni wonke, ezigxile ekutshalweni kwezimali okunesimilo namandla ahlanzekile, noma ungene entweni enkulu elandelayo futhi utshale imali ezimakethe ezisafufusa. Sihlala sinweba nalolu hlu.

IYIPHI I-AKHAWUNTI YOKUTSHALWA KWE-CHIP EYINIKEZAYO?

I-Individual Savings Account (ISA) ikuvumela ukuthi utshale imali efika ku-£20,000 njalo ngonyaka wentela, futhi noma iyiphi inzuzo oyenzayo ivikelekile entela.

Sinikeza abasebenzisi ithuba lokwenza imali yabo eningi nge-ISA Yezitoko Namasheya. Zonke izimali esizinikezayo zifanele ukusetshenziswa ne-ISA Yamasheya Namasheya.
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Uma unemali engaphezu kuka-£20,000 yokutshala, noma isibonelelo sakho sonyaka se-ISA sesivele sigcwele, ungasebenzisa i-General Investment Account (GIA), nakuba lokhu kungenanzuzo yentela.

KUNGANI KUFANELE NGIBELE NGE-CHIP?

Njengomsebenzisi we-Chip, ungakha iphothifoliyo kuzo zonke ezinye izimpahla kanye nohlu olubanzi lwezimali zokutshala.

Izinhlelo zethu Zokonga futhi zikuvumela ukuthi ugcwalise izimali zakho zokutshalwa kwezimali noma ama-akhawunti okonga ngokuzenzekelayo, ngokusebenzisa i-AI yethu ewina umklomelo, noma wenze isu lakho lokutshala izimali elizenzakalelayo ngokugcwele.

UKUPHEPHA NJENGEZINGA

Sihlinzeka ngezinga eliphakeme kakhulu lokuvikeleka elijwayelekile, elinikeza ukubethela okungu-256-bit, I-3D Secure kanye nobuchwepheshe bakamuva be-Open Banking. Wonke ama-akhawunti okulondoloza ku-Chip afaneleka ukuvikelwa kwe-FSCS kuze kufike ku-£85,000 wokonga. Ithimba lethu lokusekela amakhasimende eliwine imiklomelo elise-UK likhona.

TSHALA NGE-CHIP

Joyina abasebenzisi abangu-500,000 abafuna ukwakha ikusasa elingcono lezezimali nge-Chip - Uhlelo Lokusebenza Lwezimali Zomuntu siqu oluthweswe umqhele lonyaka ka-2022 kuma-British Bank Awards.

Lapho ukutshala imali yakho kusengozini, ukusebenza kwesikhathi esidlule akusona inkomba yokusebenza kwesikhathi esizayo. Ulwazi okukhulunywa ngalo lujwayelekile futhi aluqondile kunoma yikuphi ukutshalwa kwezimali okuthile. Akusho futhi akufanele kuhunyushwe njengeseluleko sentela noma sezezimali. Inani lokutshalwa kwezimali lingehla futhi likhuphuke.