Ingabe kungcono ukutshala imali emakethe yamasheya noma ukuyigcina ebhange?
Kunomehluko omkhulu phakathi kokutshala imali emakethe yamasheya nokugcina imali kwi-akhawunti yokulondoloza imali. Ama-akhawunti okonga angafakwa umshuwalense we-FDIC kuze kufike ku- $ 250k (yize kunezinsizakalo ezingakhuphula lo mkhawulo njenge-Wealthfront) futhi ngaleyo ndlela ziyindawo ephephe kakhulu yokugcina imali, kepha la ma-akhawunti ngokuvamile anenzalo ephansi kakhulu ngakho-ke imali ngeke ikhule ngokushesha (noma nhlobo, uma kuqhathaniswa nokwehla kwamandla emali). Ngokuvamile kunconywa ukuba kugcinwe imali yesimo esiphuthumayo etholakala kuma-akhawunti okonga ngoba kungase kudingeke ukuba afinyelelwe ngokushesha.  Imakethe yamasheya isebenza ngendlela ehlukile - uthenga amasheya enkampani, futhi kuhle kakhulu ukuthi leyo nkampani ikhule ngokuhamba kwesikhathi, ngaleyo ndlela ikhulise inani lamasheya ayisisekelo. Ngokuvamile abantu batshala imali emakethe yamasheya ukuze imali yabo ikhule ngokuhamba kwesikhathi, nakuba kunconywa ukuba kulinganiswe impumelelo noma ukwehluleka kokutshalwa kwezimali esikhathini eside (esingaphezu kweminyaka eyi-10). Imakethe yamasheya e-US iye yakhula cishe ngo-10% ngonyaka ngokwesilinganiso, nakuba iminyaka eminingi iphambuka kakhulu kulelo zinga lokukhula.