在个人理财应用程序中寻找什么
移动应用程序已经无处不在. While many of these apps are games and social media platforms, an increasing number have been developed to help individuals with their personal finances. Which leads to an interesting question: what should you look for in a personal finance app?
类别
One of the first things to consider is what type of financial apps may be most useful. 这些应用程序有五种基本类型:
预算跟踪应用 allow users to record expenditures as they are made, in order to keep track of bank balances and budget categories. Some allow users to make a budget and then watch how closely expenditures are tracking to it.
财务助理应用 收集, 商店, and report information from users' various savings and investment accounts, providing a single place to keep track of asset performance.
贷款计算器应用程序 估计贷款的支付和当前余额. Some also track how long it will take to pay off one or more loans.
消费和储蓄应用程序 allow users to perform a wide range of activities, including "what-if" scenarios.
银行应用程序 提供联邦存款AG捕鱼王在线app下载公司担保的银行业务选择, 包括(在某些情况下)更快的直接存款, 为支付账单, 你的账户还有其他选择.
标准
Once a user has decided on a category of app that may be useful, 还有其他标准需要考虑.
信誉. As everyone knows, not everything written on the internet is true. 例如, The Wall Street Journal and The New York Times are generally considered more credible than an anonymous blog. The same principle applies to apps: understand who's providing the information.
安全. Before using any financial app, read the privacy or security statement. This can typically be found at the bottom of the company's web page or in the "关于" section of their website. If you don't find one online, contact the company to request a copy.
清晰. A personal finance app should provide information that is easy to understand. There are some apps that provide detailed charts of stock performance using a wide variety of financial analyses. However, if you don't understand the underlying analysis, the app may be useless.
相关性. 记住那句老话:“我想这是诱人的。, 如果你唯一的工具是一把锤子, 像对待钉子一样对待每件事.这同样适用于财务信息. A mutual fund company may be a great source of information about investing concepts, but it may be less useful at providing information about tax management.
Using an app to help with your personal finances may be a great first step in becoming a better money manager, but asking yourself a few key questions before you download may help you select the app that best fits your personal finance needs.
The content is developed from sources believed to be providing accurate information. The information in this material is not intended as tax or legal advice. It may not be used for the purpose of avoiding any federal tax penalties. 请咨询法律或税务专业人士 for specific information regarding your individual situation. This material was developed and produced by 消费品套件 to provide information on a topic that may be of interest. FMG Suite is not affiliated with the named broker-dealer, 国家或证券交易委员会注册的AG捕鱼王新版app下载咨询公司. 所表达的意见和 所提供的资料仅供一般参考, and should not be considered a solicitation for the purchase or 出售任何证券. 版权 消费品套件.
