Ukubhanga ngeselula nokutshala imali kwenziwe kwaba lula. Thumela imali ngokushesha, faka amasheke ngedijithali, khokha izikweletu ku-inthanethi, landelela ukusetshenziswa kwemali ngamathuluzi obhajethi, yonga imali kuma-akhawunti anenzuzo ephezulu, kanye nezitoko zokuhweba ngaphandle kwekhomishini (kuyasebenza ezinye izinkokhelo).
Joyina amalungu angu-12.6M ebhange, etshala imali, futhi onge nge-SoFi.
UKUBHANGA NOKUBHEKA I-AKHAWUNTI YOKUBHEKA
• Ukuhlola i-akhawunti ngaphandle kwezimali ze-akhawunti, akukho bhalansi encane- ukubhange kweselula okwenziwe kwaba lula.
• Idiphozithi eqondile yenza ukhokhelwe kuze kube yizinsuku ezingu-2 ngaphambi kwesikhathi⁵ ngokufinyelela ngokushesha izimali zakho.
• Thumela imali, khokha izikweletu ku-inthanethi, dlulisela izimali phakathi kwama-akhawunti ngaphandle kwezindleko ezengeziwe.
UKUHWEBA NOKUTSHALWA KWEMALI
• Izitoko zohwebo nama-ETF ngaphandle kwekhomishini nge-SoFi Securities (kuyasebenza ezinye izinkokhelo).
• Tshala kumasheya amafractional aqala ku-$5 nje ukuze wakhe iphothifoliyo yesitoko sakho (kunemikhawulo).
• Ukutshala imali okuzenzakalelayo ngokuphathwa kwephothifoliyo yedijithali evela kwa-SoFi Wealth.
I-AKHAWUNTI YOKUGCINA OKUPHEZULU
• Zuza i-APY¹ ephezulu kumabhalansi okonga.
• Ama-Savings Vaults asiza ukuhlela izimali eziphuthumayo namagoli okonga endaweni eyodwa.
• Ukudluliselwa okusheshayo phakathi kokuhlola nokonga ngaphandle kwezimali noma nini.
IZIMALIMBOLEKO ZOMUNTU KANYE NEMKOLELO WESIKWELETU
• Amazinga emalimboleko yomuntu siqu okuhlanganiswa kwezikweletu, ukuthuthukiswa kwekhaya, nokuthenga okukhulu.
• Landelela isikolo sakho sesikweletu ngezibuyekezo ezivamile namathuluzi okuqapha.
• Zifanelekele kusengaphambili ukubolekwa imali ngaphandle kokuthinta amaphuzu akho esikweletu- qhathanisa amanani ngokushesha.
AMATHULUSI ESABELOMALI NOKUPHATHWA KWEMALI
• Isilandeleli sebhajethi esinohlelo lokusebenzisa ngokwezigaba oluzenzakalelayo kuwo wonke ama-akhawunti axhunyiwe.
• Izexwayiso zokuchitha isikhathi sangempela zivikela ama-akhawunti futhi zisize ukugcina ibhajethi yakho.
•.Izikhumbuzi zokukhokha izikweletu zikugcina usendleleni futhi zigweme izimali ezikhokhwa sekwephuzile.
UKUPHEPHA KWEBHANGE NOSEKELO LWEKHASIMENDE
• Ukubhalwa ngemfihlo kwezinga lebhange kuvikela ulwazi lomuntu siqu kanye nezezimali ngezexwayiso zokukhwabanisa.
• Izaziso ezisheshayo zomsebenzi osolisayo we-akhawunti zigcina imali yakho iphephile.
• Ithimba losekelo lwezezimali litholakala izinsuku ezingu-7/iviki ngengxoxo noma (855) 456-SOFI (7634).
¹Amalungu e-SoFi abhalisa ku-SoFi Plus Ngediphozithi Eqondile Efanelekile noma ngokukhokha Imali Yokubhalisa ye-SoFi Plus njalo ezinsukwini ezingu-30 noma amalungu e-SoFi ano-$5,000 noma ngaphezulu Kudiphozithi Efanelekayo Phakathi Nenkathi Yokuhlola Yezinsuku Ezingu-31 angathola u-3.60% wesivuno saminyaka yonke (APYult) ku-savinging %0 kanye nebhalansi ye-YAP engu-0% kanye no-YAP. ekuhloleni amabhalansi. Alikho inani elincane Lediphozithi Eqondile Efanelekile elidingekayo ukuze ufanelekele isilinganiso senzalo esishiwo. Amalungu angenayo i-SoFi Plus noma Amadiphozithi Afanelekile, phakathi Nenkathi Yokuhlola Yezinsuku Ezingu-30 azozuza u-1.00% APY kumabhalansi okonga (okuhlanganisa nama-Vaults) kanye no-0.50% APY ekuhloleni amabhalansi. Izilinganiso zenzalo ziyahlukahluka futhi zingashintsha noma nini. Lawa mazinga amanje kusukela ngomhlaka-11/12/25. Asikho isidingo sebhalansi encane. Uma uzenelisile izimfuneko zediphozithi eqondile ezifanelekile ze-APY yethu ephezulu kodwa ungaboni u-3.60% APY ekhasini lakho Lemininingwane ye-APY ngosuku olungemva kokufika kwediphozithi yakho Efanelekile, sicela usithinte ku-855-456-7634. Ulwazi olwengeziwe lungatholakala ku-http://www.sofi.com/legal/banking-rate-sheet. Bona Imigomo Nemibandela Ye-SoFi Plus kokuthi https://www.sofi.com/terms-of-use/#plus.
²Asikhokhisi noma iyiphi i-akhawunti, isevisi noma izinkokhelo zokulungisa zokuhlola i-SoFi nokonga. Siyayikhokhisa imali yokwenza ukucubungula ukudluliswa kwezintambo ngakunye okuphumayo. I-SoFi ayikhokhisi imali yokudluliselwa kwezintambo ezingenayo, nokho ibhange elithumelayo lingakhokhisa imali. Inqubomgomo yethu yezinkokhelo ingase ishintshwe noma kunini. Bheka Ishidi Lenkokhelo Yokuhlola Nokulondoloza I-SoFi ukuze uthole imininingwane kokuthi sofi.com/legal/banking-fees/.
⁵Ukufinyelela kusenesikhathi ezimalini zediphozithi eqondile kusekelwe esikhathini lapho sithola khona isaziso senkokhelo ezayo evela ku-Federal Reserve, ngokuvamile esifika ezinsukwini ezimbili ngaphambi kwedethi yokukhokha ehleliwe, kodwa ingase ihluke.
⁹9x okusekelwe kusilinganiso se-akhawunti yokonga yanyanga zonke ye-FDIC kusukela ngomhla ka-Disemba 16, 2024. Bona ishidi lesilinganiso sokuhlolwa kwe-SoFi Nokulondoloza ukuze uthole imininingwane yepesenti yonyaka (APY) kokuthi: https://www.sofi.com/legal/banking-rate-sheet.
Kubuyekezwe ngo-
Nov 14, 2025