I-SoFi vs Cash App (Ukuqhathanisa kuka-2024)
Okuqukethwe
Isihloko sethu se-SoFi vs Cash App sikunikeza isiqondiso sokukusiza ekukhetheni phakathi kwe-SoFi ne-Cash App. Kunokuba sigxile kuphela ekutheni yimuphi ophakeme, sinikeza ulwazi ukukusiza ukuthi ucabange ukuthi iyiphi efanela izidingo zakho kangcono.
I-SoFi ne-Cash App inikeza ama-akhawunti okuhlola nezinketho zokutshala izimali ezibonakalayo, okwenza inqubo ibe lula futhi isheshe. Nokho, kunomehluko omkhulu phakathi kwalokhu okubili. I-SoFi ayinikezi kuphela izinketho zokutshala izimali kodwa futhi inikeza ama-akhawunti okuhlola nawokulondoloza. Ngakolunye uhlangothi, i-Cash App inama-akhawunti okuhlola ama-akhawunti okutshalwa kwezimali kodwa hhayi ama-akhawunti okonga. Omunye umehluko ukuthi i-SoFi iqinisekisa ukuthi utshalomali lwakho luzuza inzalo, kuyilapho i-Cash App ingaqinisekisi imbuyiselo. Njengomphumela, lesi sihloko sikusiza ukuthi unqume phakathi kwe-SoFi ne-Square's Cash App ngokuqhathanisa kahle lezi zinkundla ezimbili. Ngemva kokubuyekeza isiqhathaniso sethu, uzokwazi ukwazi ukuthi iyiphi inkundla evumelana kangcono nezidingo zakho ngaphambi kokuvula i-akhawunti.
Kunezinkundla eziningi zokuphatha imali, okwenza kube inselele ukunquma ukuthi iyiphi ongakhetha ukuyikhetha. Lapho unquma ukuthi iyiphi inkundla ozoyisebenzisa, khumbula ukuthi ungasebenzisa inkundla engaphezu kweyodwa ukuze utshale izimali ezahlukene ngokusekelwe kulokho okuthandayo. Ngakho-ke, le ndatshana ihlose ukukusiza ekukhetheni phakathi kwe-SoFi ne-Square's Cash App ngokusebenzisa ukuqhathanisa okuphelele kwazo zombili izinkundla. Ngemva kokufunda lesi sihloko, uzokwazi ukunquma ukuthi iyiphi inkundla enezici ozidingayo ngaphambi kokudala i-akhawunti.
Ukuqhathanisa Izici ze-SoFi vs Cash App
Emhlabeni oshintshashintsha njalo wamabhange eselula, abathengi bethulwa izinkundla eziningi zedijithali eziklanyelwe ukwenza ngcono izimpilo zabo zezezimali. Phakathi kwalezi zixazululo ezintsha kukhona i-SoFi kanye Uhlelo lokusebenza lwemali—izimbangi ezimbili zamabhange ezisindayo ezinikeza izici ezihlukile ezibhekelela izidingo ezahlukahlukene zabasebenzisi besimanje. Kulesi sihloko, siqhathanisa i-SoFi, eyaziwa ngohlelo lwayo olubanzi lwezinsizakalo zezezimali, okuhlanganisa ukubolekwa imali, ukutshala izimali, kanye nomshwalense, iqhathaniswa ne-Cash App, esithole ukuduma okukhulu njengethuluzi elisebenziseka kalula lokukhokha kontanga kuya kontanga, izinsizakalo zebhange. , kanye nokuhweba nge-cryptocurrency. Kungakhathaliseki ukuthi ubheke ukuthuthukisa ukuphathwa kwezimali zakho siqu noma ufuna indlela elula kakhulu yokusingatha ukuthenga nokutshalwa kwezimali, ukuqonda amakhono ayingqayizivele kanye nezinzuzo zakho kokubili i-SoFi ne-Cash App kubalulekile ngaphambi kokwenza isinqumo esinolwazi esihambisana nemigomo yakho yezezimali.
akhawunti Izinhlobo
- I-SoFi (Social Finance Inc.) kanye ne-Cash App (eyakhiwe yi-Square, Inc., manje eyi-Block, Inc.) zombili ziyizinkundla zesevisi yezezimali. Kodwa-ke, banikeza izinhlobo ze-akhawunti ezihlukile ezifanelana nezidingo ezihlukile zabasebenzisi. I-SoFi ihlinzeka ngohlu olubanzi lwemikhiqizo yezezimali, okuhlanganisa i-SoFi Money—i-akhawunti yokuphatha ukheshi ezuza inzalo futhi enganikezi izimali ze-akhawunti—futhi ISoFi Invest, okuvumela ukutshalwa kwezimali okusebenzayo nokuzenzakalelayo ezitokisini, ama-ETF, kanye nezimali ze-crypto. Ngokuphambene, i-Cash App iyaziwa ngokuyinhloko ngesevisi yayo yokukhokha kontanga kanye nekhono lokutshala ngokuqondile ezitokisini naku-cryptocurrencies kusuka kuhlelo lokusebenza. Futhi inikeza Ikhadi Lemali—ikhadi lasebhange elixhunywe kubhalansi ye-akhawunti yomsebenzisi. Nakuba i-SoFi ihlose ukuhlinzeka ngenye indlela yasebhange enesuite ephelele ngezinsizakalo ezengeziwe ezifana nemalimboleko, umshwalense, namakhadi esikweletu, i-Cash App igxile ekwenziweni kwemali okwenziwe lula ngezinketho zokutshala imali njengesici esingeziwe kunomnikelo oyinhloko.
Izici Zokuphepha
- I-SoFi ne-Cash App zombili zihlanganisa izici ezihlukahlukene zokuphepha ukuze zivikele izimali zamakhasimende abo kanye nolwazi lomuntu siqu. Kodwa-ke, basebenzisa izindlela ezahlukahlukene ezibonisa izinsizakalo zabo zezezimali ezihlukile. I-SoFi yinkampani yezezimali yomuntu siqu ehlinzeka ngeqoqo lemikhiqizo, ehlanganisa imali mboleko, ukutshalwa kwezimali, kanye nomshwalense. Ukuze kuvikelwe i-akhawunti yakho, i-SoFi isebenzisa ukubethela okuqinile, ukuqinisekiswa kwezinto ezimbili (2FA), futhi iqaphe ama-akhawunti omsebenzi ongajwayelekile ukuze ivikele idatha yabasebenzisi nemisebenzi. Ukwengeza, imikhiqizo yokutshala imali ye-SoFi ifakwe umshwalense we-SIPC. Ngakolunye uhlangothi, i-Cash App, isevisi yokukhokha yeselula edizayinelwe ukuthengiselana kontanga kuya kontanga nezinye izinsiza zebhange, iphinde isebenzisa ukubethela kanye ne-2FA kuyilapho inikeza inketho yokukhiya uhlelo lokusebenza ngekhodi yokudlula. I-Cash App yengeze izinyathelo zokuphepha, njengokukhubaza ukudluliselwa okuzenzakalelayo ngokuzenzakalela ukuze kuvinjelwe ukuhoxiswa okungagunyaziwe. Zombili izinkundla zikhuthaza abasebenzisi ukuthi banike amandla noma yiziphi izinyathelo zokuphepha abazikhethela ukuze bavikeleke okwengeziwe, kodwa banokuvikeleka okuhlukile kokulawula ngenxa yemvelo yeminikelo yabo. Nakuba i-SoFi inomshwalense we-SIPC wemikhiqizo yokutshalwa kwezimali, amabhalansi e-Cash App anikezwa umshwalense we-FDIC uma ukhetha ukungena ukuze uthole Ikhadi Lemali noma idiphozithi eqondile, ebese ikuhlinzeka ngomshwalense we-FDIC ngamabhange ozakwethu.
Ukusetshenziswa kwe-ATM
- I-SoFi ne-Cash App zombili zinikeza izinzuzo ze-ATM ngamakhadi azo edebithi afanele, kodwa kunomehluko othile ezicini nasezinkokhelweni. Abanikazi be-akhawunti ye-SoFi Money bangafinyelela inethiwekhi yama-ATM ayingxenye yenethiwekhi ye-Allpoint, okubavumela ukuthi bakhiphe imali ngaphandle kokufaka izinkokhelo kuma-ATM angaphezu kuka-55,000+. Ukwengeza, i-SoFi ibuyisela izimali ze-ATM ezikhokhiswa ezinye izikhungo zezezimali emhlabeni wonke, okwenza kube lula kakhulu kubasebenzisi abahambayo noma abadinga ukusebenzisa ama-ATM angaphandle kwenethiwekhi. Ngakolunye uhlangothi, i-Cash App inikeza Ikhadi Lokheshi—ikhadi lasebhange le-Visa elixhunywe kubhalansi ye-Cash App yomsebenzisi—engase isetshenziselwe ukukhipha mahhala kuma-ATM enethiwekhi uma okungenani i-$300 ifakwa ku-akhawunti Yohlelo Lokusebenza Lwemali inyanga ngayinye; uma kungenjalo, inkokhelo engu-$2 iyasebenza ngokuthengiselana ngakunye. Kukhona imali engu-$2.50 yokusebenzisa i-ATM ngaphandle kwenethiwekhi ye-ATM yohlelo lwemali. Ngakho-ke, nakuba bobabili benikeza ukufinyelela kwe-ATM ngemikhiqizo yabo, i-SoFi ingase ikhange nakakhulu kulabo abafuna ukufinyelela okubanzi kwamahhala kwe-ATM kanye nabavakashi abavamile abafuna imbuyiselo yezindleko zezinkampani zangaphandle emhlabeni jikelele.
Umkhawulo Wokuhoxa
- I-Cash App inomkhawulo ovumela abasebenzisi ukuthi benze kanjalo khipha umkhawulo wamadola ayi-1000 ngosuku. Ukwengeza, i-Cash App ivumela ukuhoxiswa okuphezulu kwamadola ayi-1000 ngeviki, ngakho-ke uma ukhipha u-$1000 ngosuku, ngeke ukwazi ukukhipha enye imali isonto lonke. Ngakolunye uhlangothi, i-SoFi inenqubomgomo ethambile, evumela abasebenzisi ukuthi bahoxise a isilinganiso samadola ayi-1000 ngosuku kanye namadola angama-3000 ngenyanga.
Isilinganiso Senzalo
- I-SoFi ikhokha inzalo yephesenti lesivuno sonyaka esingu-4.60% (APY). ekulondolozeni amabhalansi ediphozithi (okuhlanganisa nama-Vaults) kanye no-0.50% kumabhalansi okuhlola, okukuvumela ukuba uqongelele umholo. Ngokuphambene, ama-akhawunti e-Cash App awatholi nzalo.
I-SoFi Pros and Cons
I-SoFi, okuyinkampani yezezimali ebonakalayo, ihlinzeka ngezinsizakalo ezahlukene zezezimali, okuhlanganisa ama-akhawunti okuhlola, ama-akhawunti okonga, izikweletu zezindlu, imali ebolekiwe yomuntu siqu, amakhadi esikweletu, imikhiqizo yokutshalwa kwezimali, kanye nokuxhasa ngemalimboleko yabafundi kabusha. Lezi zinketho zifinyeleleka ngohlelo lokusebenza lweselula lwe-SoFi nezixhumi ezibonakalayo zedeskithophu. Izinzuzo nezingozi ze-SoFi kuxoxwa ngazo ngezansi.
Izinzuzo: Izinzuzo ze-SoFi
Ngakolunye uhlangothi, i-SoFi nayo inalezi zinzuzo:
- Isixhumi esibonakalayo esisebenziseka kalula: I-SoFi Invest inikeza inkundla esebenziseka kalula, eqinisekisa ukuthi nabaqalayo nabantu abangajwayele ukubhanga ku-inthanethi noma ukutshala imali bangakwazi ukuzulazula futhi bayisebenzise kalula.
- Idiphozithi Eqondile Ibhonasi: I-SoFi inikeza ibhonasi efika ku-$300 lapho usetha idiphozithi yakho yokuqala yokukhokha.
- Awekho Ubuncane Be-akhawunti: I-SoFi inakho akukho ubuncane be-akhawunti.
- Azikho Izimali Zekhomishini: I-SoFi Invest ivumela abathengisi abavamile ukuthi bahwebe ngamasheya, ama-ETF, kanye ne-cryptocurrency ngaphandle kokukhokha noma yiziphi izimali zekhomishini, enikeza inketho engabizi kakhulu.
- I-FDIC Yelungu: Ibhalansi ye-akhawunti yokuhlola neyokulondoloza kwa-SoFi ifakwe umshwalense we-FDIC ofika ku-$250,000.
- Amasheya angama-fractional: Amasheya angama-fractional ayatholakala nge-SoFi Invest, okuvumela abatshalizimali ukuthi batshale izimali ezincane ezitokweni ezibizayo futhi bahlukanise amaphothifoliyo abo kuzo zonke izibambiso ezihlukahlukene.
- I-Robo-Advisory: I-SoFi Invest ihlinzeka ngezinsizakalo zokweluleka nge-robo, ezilawula ngokuzenzakalelayo amaphothifoliyo ngokwezinga elifiselekayo labatshalizimali lezingozi kanye nezinjongo zokutshala imali. Le nketho yokweluleka ilungele abatshalizimali abakhetha indlela yokutshala imali engenzi lutho.
- Izinsiza Zezemfundo: I-SoFi Invest inikezela ngezinto zokufundisa ezahlukahlukene, njengezindatshana, ama-webinars, namathuluzi okuhlela ezezimali, ukusiza abatshalizimali ukuthi bathole ulwazi mayelana nokutshala imali nokwenza izinqumo ezinolwazi.
- Ama-akhawunti Womhlalaphansi: I-SoFi Invest manje isekela ama-akhawunti omhlalaphansi, okufaka phakathi ama-IRA nama-401(k)s. Isikhathi esilinganiselwe, ungathola okufanayo okungu-2% kwe-IRA kuminikelo yakho ye-SoFi IRA.
- Imajini: Imajini iyatholakala kuma-akhawunti emali anebhalansi enkulu kuno-2k.
Okungalungi: Yiziphi Izinzuzo ze-SoFi?
I-SoFi inezithiyo eziningana, okuhlanganisa:
- Izinketho Zokutshalwa Kwezimali Ezikhawulelwe: I-SoFi Invest iveza izindlela ezihlukile zokutshala imali, njengezitoko, ama-ETF, nama-cryptocurrensets, kodwa uma kuqhathaniswa namanye amapulatifomu okuhweba, izinketho zingakhawulelwa kakhulu. Ngenxa yalokho, abatshalizimali abafuna izimpahla ezithile noma izimakethe ze-niche bangathola ukukhetha kwabo kunomkhawulo. Khumbula ukuthi ukutshala imali kuhilela ubungozi, ngakho-ke cabanga ngokufuna iseluleko sochwepheshe bokutshala izimali ngaphambi kokwenza isinqumo sokutshala izimali.
- Amathuluzi Okucwaninga Alinganiselwe: Amathuluzi okucwaninga ahlinzekwa yi-SoFi Invest angase athuthuke kancane kunalawo amanye amapulatifomu okuhweba. Abatshalizimali abathembele kakhulu ocwaningweni olubanzi lwemakethe nasekuhlaziyeni bangase babone amathuluzi atholakalayo njengangenele.
- Ukwesekwa Kwamakhasimende: Kube nemibiko yabasebenzisi ababhekene nezinkinga ngokusekelwa kwamakhasimende, okuhlanganisa izikhathi ezinde zokulinda izimpendulo kanye nobunzima bokuxhumana nommeleli. Lezi zinkinga zingakhungathekisa, ikakhulukazi uma udinga usizo ngokushesha noma unemibuzo enzima.
- Izilinganiso Zenzalo: Uma ungenalo inani elibalulekile lokulingana elisekela imali oyibolekile, kungase kudingeke ukuthi ukhokhe inzalo ephezulu. Lokhu kungenxa yokuthi i-SoFi, njengombolekisi, ibheka izimpahla lapho inquma izinqumo zokubhala ngaphansi.
Manje njengoba sesiqhathanise izinzuzo kanye nezithiyo ze-SoFI, sekuyisikhathi sokuhlola i-Cash App.
Cash App Banking Review
I-Square's Cash App iyinkundla yokukhokha yeselula elula eyenza abantu bakwazi ukuthumela nokwamukela imali kalula ngohlelo lokusebenza kuma-smartphone abo. Kusukela ngomhla ka-30 Mashi 2023, Abantu abayizigidi ezingu-44 basebenzisa izinsiza ze-Cash App. Njengoba kuxoxwe ngazo ezigabeni ezilandelayo zokubuyekezwa kwethu kwebhange, i-Cash App inezinzuzo nezithiyo ezilandelayo:
Izinzuzo: Izinzuzo ze-Square's Cash App
- Thumela Imali Ngokushesha: I-Cash App ingenye yezindlela ezilula nezishesha kakhulu zokuthumela imali phakathi kwabantu. Okokuqala, vula uhlelo lokusebenza bese ufake igama lomamukeli kanye nenani olifunayo. Okulandelayo, uhlelo lokusebenza luzokucela ukuthi uqinisekise okwenziwayo. Uma isiqinisekisiwe, imali izodluliswa ngokushesha, kanti imali ngezinye izikhathi itholakala ku-akhawunti yomamukeli ngemva kwemizuzwana.
- Ikhadi Lemali: Ikhadi Lokheshi Lohlelo Lokusebenza Lokheshi liyikhadi lasebhange elingenayo imali ekhokhwa nyanga zonke noma ubuncane bezidingo zebhalansi. Ngenkathi belinde ikhadi labo ledebithi eliphathekayo ukuthi lifike nge-imeyili, abasebenzisi bangakhokha ngokushesha nge-Google Pay noma Apple Pay ukuze uthole ukufinyelela okusheshayo.
- Akukho Okuncane Kwe-akhawunti: Uhlelo Lokusebenza Lwemali olunalo akukho ubuncane be-akhawunti.
- Amadiphozithi Aqondile: Ukusetha amadiphozithi aqondile yama-paychecks ilula futhi imahhala.
- Awekho Amasheke Esikweletu: Uhlelo Lokusebenza Lwemali aludingi amasheke wesikweletu kuma-akhawunti abo okuhlola, Amakhadi Emali, noma imali etholwayo.
- Thenga futhi Uthengise i-Bitcoin: Ngokungafani nezinye izinkundla, ungathenga futhi udayise i-Bitcoin ku-Cash App. Ngokwe-website yenkampani, i- imali ye-Bitcoin transactions okwamanje ingu-0.75% kuya ku-3%, kuye ngesamba senani lokushintshisana. Le mali ephansi yokuthengiselana yenza i-Cash App ithandeke uma iqhathaniswa ne-Coinbase nezinye izinkundla ezifanayo zokuhweba nge-cryptocurrencies.
- Ukudluliselwa Kwamahhala Kosuku Olungu-1-3: Ungathumela imali mahhala usebenzisa ukudlulisa okujwayelekile, okuthatha izinsuku ezingu-1-3. Ukudluliselwa okusheshayo ngenisa imali engu-0.50% kuya ku-1.75%..
- Yenza Izimbuyiselo zibe Lula: Uhlelo Lokusebenza Lwemali lwenza kube lula ngabangane ukubuyiselana ngokunikeza isici sokuhlukanisa izikweletu kalula. Ngokwesibonelo, uma wena nabangane abathathu nidlela endaweni yokudlela futhi nikhetha ukuhlukanisa isikweletu, umuntu oyedwa angakwazi ukukhokhela yonke imali kuyilapho abanye bengakwazi ukubabuyisela kamuva. I-Cash App ilandelela kalula futhi ibonise imininingwane yokuthi ubani okubuyisele imali kanye nesikhathi akwenze ngaso lokho.
- Thenga amasheya ngaphandle kokukhokha noma yiziphi izimali ezengeziwe zamakhomishini: Uhlelo Lokusebenza Lwemali likuvumela ukuthi uthenge futhi uhwebe ngaphandle kwezimali ezikhokhwayo, okuqeda isidingo sokusebenzisa isicelo esihlukile sokuthenga kwakho okuhlobene nesitoko. Lesi sici esikahle sikusindisa enkingeni yokushintsha phakathi kwezinhlelo zokusebenza futhi siqondise inqubo.
Okungalungi: Yiziphi Izinzuzo Zohlelo Lokusebenza Lwemali?
Nakuba i-Square's Cash App inezinzuzo eziningi, kukhona futhi ezinye izithiyo okufanele uzazi.
1. Umkhawulo wangaphambi kwesikhathi ophansi ezinsukwini zokuqala ezingu-30
Umphumela oyinhloko we-Cash App uwumkhawulo wayo wokuqala ekuthumeleni nasekutholeni kufika ku-$1,000 phakathi nenyanga yokuqala. Nokho, lo mkhawulo kungaba inyuke ngokuhamba kwesikhathi uma usuqinisekise ubuwena. Ukuze uqinisekise ubuwena, nikeza igama lakho eliphelele, usuku lokuzalwa, nenombolo yokuphepha yomphakathi. Uma udinga ukwenza ukuthengiselana okubalulekile kusenesikhathi, ungadinga ukukhetha uhlelo lokusebenza oluhlukile.
2. Ukufakwa kwe-FDIC kufakwa kuphela ekhadini lemali
I-Cash App ihlinzeka ngokuvikeleka kwe-FDIC kuma-akhawunti anekhadi lemali. Ukufakwa kwe-FDIC kuqinisekisa umshuwalense wamanani afika ku-$250,000. Ngakho-ke, kufanele ugweme ukugcina izizumbulu zemali kuhlelo lokusebenza.
3. Awukwazi ukusetshenziselwa izinkokhelo zamazwe ngamazwe ngaphandle kwase-US nase-UK
I-Cash App itholakala kuphela e-United States nase-United Kingdom. Uma uhlose ukwenza izinkokhelo ngaphandle kwalawa mazwe, kungase kudingeke ukuthi usebenzise ezinye izinhlelo zokusebenza zokukhokha ngeselula njenge-PayPal noma Venmo.
Ngokusekelwe olwazini olunikezwe ngenhla, ungathola amazwibela ezici ezilethwa yi-Square's Cash App. Ngakho-ke, uma uthola iminikelo ye-Cash App ithandeka kakhulu kune-SoFi, kufanele ujoyine iplathifomu ye-Cash App.
Umehluko we-FDIC: Ingabe i-SoFi ne-Cash App ye-FDIC Inomshwalense?
I-SoFi ne-Cash App zombili zihlinzeka ngemikhiqizo yezezimali enomshwalense we-FDIC ofinyelela isilinganiso esiphezulu esisemthethweni, ngokuvamile ngamabhange ozakwethu aphethe amadiphozi amakhasimende. Ama-akhawunti okuphatha imali e-SoFi anomshwalense we-FDIC ofika ku-$1.5 million ngamabhange abambisene nawo. Ngohlelo Lokusebenza Lwemali, izimali eziphethwe ngaphakathi kohlelo lokusebenza eziboshelwe Ekhadini Lemali noma i-akhawunti yokuhlola zifakwa umshwalense we-FDIC ofika kumkhawulo ojwayelekile ongu-$250,000 ngofake imali ngayinye esigabeni ngasinye se-akhawunti efanelekayo uma ebekwe emabhange abambisene nabo.
Iyini i-Square Cash App?
I-Square Cash App, evame ukubizwa ngokuthi i-Cash App, iyisevisi yokukhokha yeselula eyakhiwe yi-Block, Inc. (ngaphambili eyayaziwa ngokuthi i-Square, Inc.) evumela abasebenzisi ukuthi badlulisele imali komunye nomunye besebenzisa uhlelo lokusebenza lweselula. Inkonzo i etholakala e-United States nase-UK futhi yenze abantu ngabanye bakwazi ukuthumela futhi bathole imali ngokushesha, bakhokhe izikweletu, batshale imali ezitokweni noma nge-Bitcoin, futhi basebenzise ikhadi ledebithi elixhumene elibizwa ngokuthi IKhadi Lemali uma benza imisebenzi noma ukuhoxiswa kwe-ATM. Ibhekelela labo abafuna izinkokhelo ezisheshayo zontanga kanye nezinsizakalo zezezimali ezilula ngaphandle kwesidingo sama-akhawunti asebhange endabuko noma ukushintshana kwemali mathupha. Ngokusebenzisa isikhombimsebenzisi esisebenziseka kalula nezici eziguquguqukayo, i-Cash App isidumile phakathi kwabantu abasebasha abazisa ukunethezeka nokusebenzisana kwezezimali kwedijithali.
Yini i-SoFi?
I-SoFi, emfishane ethi Social Finance, Inc., yinkampani yezezimali yaseMelika ehlinzeka ngezinhlobonhlobo zemikhiqizo yezezimali namasevisi ngokusebenzisa inkundla yedijithali, okuhlanganisa ukubuyisela imali mboleko yabafundi, imalimboleko yomuntu siqu, imali mboleko yezindlu, ama-akhawunti omthengisi, ukutshala izimali kanye nezinsizakalo zokuphatha ingcebo, kanye nemikhiqizo yomshwalense. Iqale yasungulwa ngo-2011 igxile ekuphindeni kwezimali mboleko yabafundi kwabathweswe iziqu abanekhono eliphezulu lokuhola, i-SoFi isikhule yaba isitolo esitobhi esisodwa sezidingo zezimali ezahlukene. Inkampani isiza abantu ukuthi bathole ukuzimela ngokwezimali futhi bafeze izifiso zabo ngokuhlinzeka ngamathuluzi amasha okuboleka, ukonga, ukusebenzisa, ukutshala imali kanye nokuvikela imali yabo.
Ingabe i-SoFi iyindawo ephephile yokubeka imali yami?
Yebo, i-SoFi iyindawo ephephile yokubeka imali yakho. Uma ufaka imali ku-akhawunti yokuhlola ye-SoFi noma yokulondoloza (okuhlanganisa nama-Vaults), ibhalansi yakho ivikelwa umshwalense we-FDIC ofika ku-$250,000 ngomnikazi we-akhawunti ngamunye. Lokhu kusho ukuthi imali yakho ifakwe umshwalense we-federal esimweni esilindelekile sokwehluleka kwebhange. Lo mkhawulo womshwalense uphinda kabili ngempumelelo ukuya ku-$500,000 kuma-akhawunti ahlangene aphethwe omunye umuntu. Ngakho-ke, ngaphakathi kwale mikhawulo, imali oyifakile nge-SoFi ivikelekile ezingozini eziqondene nebhange.
Yini enhle kangaka nge-SoFi?
I-SoFi, emfishane ethi Social Finance Inc., igqama emkhakheni wezinsizakalo zezezimali ngokunikela ngohlu olubanzi lwemikhiqizo eklanyelwe ukuhlangabezana nezidingo zabathengi besimanje, kusukela ekunikeni kabusha imali mboleko yabafundi kanye nezimali mboleko zomuntu siqu kuye ekubolekweni kwezindlu kanye nokuphathwa kwengcebo. Okwenza i-SoFi ihehe ngokukhethekile indlela yayo yolwazi lwamakhasimende, enezinzuzo ezihlanganisa amanani okuncintisana, izinsizakalo ezingakhokhwa, ukwelulekwa ngemisebenzi, kanye nemicimbi yamalungu okuhloswe ngayo ukukhuthaza imfundo yenethiwekhi nezezimali. Indawo yenkundla esebenziseka kalula, ehlanganiswe nokugxila kwayo ekwakhiweni komphakathi kanye nokusungula izinto ezintsha—njengokungena kwangaphambi kwesikhathi ekutshaleni imali nge-cryptocurrency—ibhekelela isizukulwane esifuna umhlinzeki wesevisi yezezimali ophelele futhi oxhumene ohambisana nezindlela zabo zokuphila kanye nemizila yemisebenzi.
Ungakwazi yini ukuthenga izitoko ku-SoFi?
Yebo, ungathenga amasheya ku-SoFi ngokusebenzisa inkundla yayo yokutshala imali, i-SoFi Invest, ebhekelela bobabili abatshalizimali abasafufusa nabanolwazi. Inkundla ivumela abasebenzisi ukuthi bavule ama-akhawunti otshalomali angenazo izimfuneko ezilinganiselwe zebhalansi, isiza ukuthengwa kwamasheya aphelele noma amasheya angama-fractional of stocks nama-ETF ngokuqondile kuhlelo lwabo lokusebenza lweselula. Lesi sici sizuzisa kakhulu labo okungenzeka bangabi nayo imali yokuthenga amasheya aphelele ezitoko ezinenani eliphezulu, okubenza bakwazi ukutshala ezinkampanini abakholelwa kuzo ngemali encane. Nakuba i-SoFi Invest inikeza isikhombimsebenzisi esisebenziseka kalula kanye nezinketho zokutshala izimali ezifinyelelekayo ezifana nalezo umuntu angase azithole enkampanini yabathengi enenkonzo egcwele, izihlukanisa nendlela yesimanjemanje egxile ekusebenziseni kalula kanye nokuvumelana nezimo kumtshali-zimali ohambeni.
Ingabe i-SoFi ilungele ukutshala imali?
I-SoFi iyindlela enhle yabantu abafuna ukutshala imali, ikakhulukazi labo abasha emhlabeni wokutshalwa kwezimali noma abakhetha ukuzizwisa okuxhumeke ku-inthanethi. Ihlinzeka ngemikhiqizo eminingi, okuhlanganisa ukutshala imali okusebenzayo nokuzenzakalelayo ngaphandle kokukhokhisa izimali zokuphatha, okungaheha ikakhulukazi kubatshalizimali abaqaphela izindleko. I-SoFi iphinde inikeze izinsiza zemfundo ukusiza abaqalayo ukuthi baqonde imakethe futhi benze izinqumo ezinolwazi. Ngaphezu kwalokho, ivumela abasebenzisi ukuthi batshale imali ezitokisini, ama-ETF, kanye nama-cryptocurrencies. Kodwa-ke, njenganoma iyiphi isevisi yezezimali, abatshalizimali abangaba abatshalizimali kufanele bacabangele imigomo yabo yezezimali, ukubekezelela ubungozi, kanye nezinketho zokutshala izimali ezitholakalayo zenkundla namathuluzi. Nakuba i-SoFi ingase ibe yinhle kubatshalizimali abathile ngenxa yokusebenzelana kwayo okusebenziseka kalula kanye nesakhiwo senkokhelo, abanye bangase bayithole intula izici ezithile ezithuthukile noma ukukhetha kokutshalwa kwezimali okunikezwa izinkundla ezikhethekile.
Ingabe i-SoFi izinzile ngokwezimali?
I-SoFi izinzile ngokwezimali futhi inesisekelo samakhasimende esikhulayo kanye neqoqo elikhulayo lemikhiqizo yezezimali, okuhlanganisa imali mboleko yomuntu siqu, ukubuyisela imali mboleko yabafundi, imali mboleko yezindlu, amakhadi esikweletu, nezinsizakalo zokutshala imali. Inkampani ibilokhu yenza izinyathelo zamasu ukuze ihlukanise imali engenayo futhi yehlise ukuncika kunoma yimuphi umugqa womkhiqizo owodwa. I-SoFi iphinde yenza amagxathu abalulekile ngokuthola i-charter yasebhange kazwelonke ngokuthola i-Golden Pacific Bancorp, ezoqinisa ukuzinza kwayo kwezezimali ngokuyivumela ukuthi yamukele amadiphozithi futhi yandise amandla ayo okuboleka.
Ingabe i-Cash App ingcono kunebhange?
Ukuthi i-Cash App ingcono kunebhange elivamile kuncike ezidingweni zezezimali zomuntu kanye nalokho akuthandayo. I-Cash App iyisevisi yokukhokha yeselula ehlinzeka kalula ngezici ezifana nokudluliswa kwemali kontanga kuya kontanga, ikhono lokuthenga nokudayisa i-Bitcoin, kanye nekhadi ledebithi yeKhadi le-Cash elingasetshenziselwa ukuthengiselana noma kuma-ATM. I-Cash App ingaba inketho enhle kubasebenzisi ababeka kuqala ukuthengiselana okusheshayo kwedijithali kanye nezinsizakalo zamabhange ezincane. Kodwa-ke, amabhange endabuko ahlinzeka ngohlu olubanzi lwemikhiqizo yezezimali efana nezindlu ezibolekiwe, imalimboleko yezimoto, amazinga aphezulu okuvikela nokuvikeleka kwamakhasimende, namagatsha aphathekayo ukuze asizwe mathupha. Labo abafuna izinsiza zezezimali eziphelele bangathola amabhange endabuko afaneleka kakhulu. Ukukhetha phakathi kwe-Cash App nebhange ekugcineni kuncike ebunzimeni bemisebenzi yomuntu yezezimali kanye nesidingo sazo sezinsizakalo ezihlukahlukene zamabhange.
Ngingakwazi ukuxhumanisa i-SoFi kuhlelo lokusebenza lwemali?
Yebo, ungakwazi ukuxhumanisa i-akhawunti yakho ye-SoFi ne-Cash App ukuze kube lula ukudluliswa kwezimali phakathi kwalezi zinkundla ezimbili. Uzodinga ukusebenzisa i-akhawunti yakho ye-SoFi nezinombolo zomzila, ezingatholakala kumininingwane ye-akhawunti yakho ye-SoFi. Kuhlelo Lokusebenza Lwemali, ungaya kuthebhu ethi 'Imali Yami', ukhethe okuthi 'Engeza Ibhange', bese ufaka imininingwane yakho yasebhange ye-SoFi. Uma usuxhunyiwe, ungadlulisela imali ngokuqondile ku-akhawunti yakho ye-SoFi uye ku-Cash App noma okuphambene nalokho. Lokhu kuhlanganiswa kuvumela ukuguquguquka okukhulu ekuphatheni nasekuhambiseni izimali zakho phakathi kwalaba bahlinzeki besevisi yezezimali.
Ungakwazi yini ukufaka isheke ku-Cash App?
Yebo, ungakwazi idiphozi yeselula isheke ku-Cash App usebenzisa isici esibizwa nge-'Mobile Check Capture.' Abasebenzisi bamane badinga ukuthatha isithombe sesheke ngohlelo lokusebenza futhi balandele imiyalo yokulifaka ku-akhawunti yabo ye-Cash App. Isevisi ilungile, kodwa kunemikhawulo ethile ngokwezinhlobo zamasheke namanani angamukelwa, futhi kungase kuthathe izinsuku ezimbalwa ukuze izimali zitholakale ngemva kokwenziwa kwediphozithi.
Ngabe i-Cash App investments isebenza kanjani?
Cash App Investments vumela abasebenzisi ukuthi bathenge isitoko noma ama-ETF ngokuqondile ngohlelo lokusebenza, besebenzisa izimali ezitholakala Kubhalansi yabo Yohlelo Lokusebenza Lwemali. Uma umsebenzisi enquma ukuthenga, inani elidingekayo liqala lidonswe Kubhalansi yakhe Yohlelo Lokusebenza Lwemali. Uma kunemali enganele ukumboza zonke izindleko zomsebenzi, imali eyengeziwe ikhishwa ngokuzenzekelayo ekhadini ledebhithi elixhunyiwe futhi yengezwe Kubhalansi yabo Yemali Yohlelo Lokusebenza ukuze kuqedelwe ukuthenga. Le nqubo engenazihibe ihlanganisa imisebenzi yokutshalwa kwezimali nemisebenzi yezezimali yansuku zonke okungenzeka ukuthi abasebenzisi sebevele beyenza ngohlelo lokusebenza lwe-Cash, ngaleyo ndlela kube lula ukutshala imali kwabaqalayo nabatshalizimali abavamile ngokufanayo.
Isiphetho
Ukufingqa, manje usuzazi izici ezihlinzekwa yizo zombili izinkundla futhi ungenza ukukhetha unolwazi mayelana nokuthi iyiphi eqondana kangcono nezidingo zakho. Ngakho-ke, sithemba ukuthi i-athikili yethu ye-SoFi vs Cash App ibe yinzuzo kuwe. Ulwazi oluku-athikili yethu ngelezinjongo zolwazi. Akusona iseluleko sokutshalwa kwezimali noma sezezimali futhi akufanele sisetshenziswe njengesisekelo sanoma yisiphi isinqumo sokutshala izimali.