Bukatun kuɗin ku na karuwa yayin da kuka tsufa, kuma kwatsam za ku gano cewa tsayayyen albashi na wata-wata ba zai isa ya rufe komai ba.
Kuna buƙatar dabarar saka hannun jari mai wayo wacce ke ba da isassun kuɗi lokacin da ake buƙata har ma da aiwatar da ayyukanku yayin da ba ku nan.
Kudaden juna suna cikin mafi kyawun damar saka hannun jari, waɗanda zaku iya zaɓar dangane da yanayin lokacinku da haɗarin ci.
Amma ta yaya za ku iya yin wannan? Mu duba.
Menene Asusun Mutual?
Kayan aiki na kuɗi da ake kira asusun haɗin gwiwa yana karɓar kuɗi daga masu zuba jari da yawa. Bayan haka, kudaden da aka haɗa su ne sanya hannun jari a cikin kadarori irin su hannun jarin kamfani da aka jera, lamunin kamfanoni, lamunin gwamnati, da amintattun kasuwa.
A matsayinka na mai hannun jari, ba kai ne ainihin mai hannun jarin kamfanin da kuɗin juna ke saya ba. Koyaya, kuna raba kowane riba ko asara tare da sauran masu saka hannun jari. Wannan shine yadda haɗin haɗin gwiwa da kalmar "mutual" ke da alaƙa.
Kuna amfana daga ƙwarewar mai sarrafa asusu da Amintaccen tsari na Musanya Securities da Board of India (SEBI). Manajan asusun ƙwararru yana tabbatar da cewa masu zuba jari sun sami mafi girman dawowar da zai yiwu.
Hanyoyi don Saka hannun jari a Asusun Mutual don daidaikun mutane masu albashi
A zamanin yau, saka hannun jari a asusun juna yana da sauƙin godiya ga fasaha; dangane da mafi kyawun albarkatun ku, zaku iya saka hannun jari ta hanyoyi da yawa:
Kai Tsaye
Kuna iya sauke fam ɗin da aka cika da kyau a ofishin mai ba da asusu mai dacewa. Hakanan zaka iya buga aikace-aikacen kuma cika shi da kyau. Koyaya, kafin isar da cak ɗin, yakamata ku karanta yarjejeniyar sosai.
Zuba jari a Asusun Mutual ta hanyar Yanar Gizo
Kuna buƙatar haɗin intanet da na'urar hannu kawai don saka hannun jari akan layi. Zaɓuɓɓuka da yawa suna taimaka muku zaɓi mafi kyawun asusun juna dangane da haƙurin haɗarin ku, manufofinku, da sauran abubuwan la'akari.
Kuna iya adana lokaci da kuzari ta hanyar amfani da ɗayan dandamalin saka hannun jari na kan layi iri-iri waɗanda ke samun dama. Kuna buƙatar bayanin katin PAN ɗinku kawai, bayanan ainihi, da asusun banki mai aiki don haɗi tare da kamfanin asusun juna.
Ta hanyar Demat Account
Kuna iya saka hannun jari da mu'amala tare da asusun haɗin gwiwa ta amfani da asusun banki na yanzu da asusun Demat. Dole ne mai sayar da hannun jari ya zama mai rarraba kuɗin juna mai lasisi don samar da sabis ɗin.
Don saka hannun jari, dole ne ku shiga cikin asusun ku na Demat kuma ku nemo zaɓin saka hannun jari na juna. Dole ne a kammala zuba jari ta hanyar yin musayar kuɗi ta kan layi.
Muna ba da shawarar farawa da Zerodha.
Ta hanyar Agents
Zuba hannun jari ta hanyar wakilai hanya ce mai tsayi, mai wahala, da tsada wacce yakamata a yi watsi da ita. Don taimaka maka wajen yanke shawararka da kuma cika fom ɗin da ake buƙata, kira wakili. Wakilai kuma na iya buƙatar kwamiti don ayyukansu.
Yanzu suna da na'urori na dijital waɗanda za su iya amfani da su don taimaka muku cike fom ta hanyar lantarki da kunna asusunku da sauri. Koyaya, dole ne ku tabbatar da cewa wakili na gaske ne.
Fa'idodin Zuba Jari a Asusun Mutual
Don daidaita burin kowane nau'in masu saka hannun jari, ana samun sama da kuɗaɗen haɗin gwiwa 8000 a cikin nau'ikan daban-daban. Kudaden juna sun dace da kowa lokacin da suka ba da kyakkyawar haɗin riba, samun kuɗi, da tsaro.
Fa'idodin saka hannun jari a asusun juna sune kamar haka:
Mafi kyawun Gudanar da Kuɗi
Ƙungiya ta ƙwararru tana sarrafa kuɗin da kuka tara. Don haka zaku iya amfana daga shawarwarin ƙwararru lokacin gina dukiya. Yaushe zabar hannun jari, masana'antu, rarrabawa, da siye da siyar da umarni, mai sarrafa asusun yana yin bincike mai zurfi.
low cost
Kuɗin haɗin gwiwar babu shakka kayan aikin saka hannun jari ne na tattalin arziƙi yayin la'akari da fa'idodin ilimi, bambance-bambance, da sauran hanyoyin dawowa. Koyaya, rabon kuɗi yana ƙarƙashin ƙa'idar 2.5%.
Zabin SIP
Sassaucin tsarin saka hannun jari yana ba ku damar yin saka hannun jari a cikin tazarar da aka ƙayyade, kamar mako-mako, kwata, ko kowane wata. Tare da Rs kawai. 500, za ku iya fara saka hannun jari a asusun juna.
Wurin canza kuɗi
Wasu kuɗaɗen haɗin gwiwar suna ba ku damar canja wurin kuɗi idan ba ku gamsu da aiwatar da takamaiman tsarin asusun juna ba. Koyaya, dole ne ku taka sosai lokacin zabar motsawa.
Amfanin Haraji
Kuna iya ajiye kuɗi akan haraji da gina dukiya ta hanyar saka hannun jari a cikin asusun ajiyar haraji na ELSS. Bugu da ƙari, ƙila kuma za ku iya neman ragi har zuwa Rs. 1,50,000 a kowace shekara a ƙarƙashin Sashe na 80C na Tax haraji Dokar.
Mafi kyawun Kuɗin Mutu'a don daidaikun Mutane Masu Albashi
Yanzu da muka koya game da kuɗin juna, za mu iya tattauna mafi kyawun kuɗin juna don masu albashi don mu sami mafi girman samun kuɗi tare da ƙaramin haɗari:
HDFC Arbitrage Fund
Asusun HDFC Arbitrage yana mai da hankali kan damar sasantawa da ke fitowa daga tsabar kuɗi da hanyoyin kuɗi.
Ɗaya daga cikin manyan gidaje na haɗin gwiwa na Indiya, HDFC Asset Management Company, wanda aka kafa a cikin Satumba 2007, yana ba da shi. Wannan asusun haɗin gwiwar yana ƙarƙashin sashin sasantawa kuma yana buɗewa.
Matakan HDFC Arbitrage Fund yana da fifiko ga kamfanoni masu tsaka-tsaki. Fayil ɗin ya ƙunshi da farko na bashi da amincin kasuwar kuɗi, tare da daidaito da samfuran da ke da alaƙa waɗanda ke da kusan 2/3 na jimlar. Kuna iya neman asusu na HDFC Arbitrage akan layi da kan layi.
A mafi yawancin, asusun ya fi ƙarfin dawowar ma'auni kuma zaɓi ne mai kyau ga masu zuba jari na dogon lokaci da ke son tsara shirin ritaya, siyan gida, yin aure, ko haihuwa.
Koyaya, kafin saka hannun jari a cikin kadarorin masu haɗari kamar kuɗaɗen juna, yakamata ku yi magana da mai ba ku shawara kan kuɗi koyaushe.
ICICI Prudential Regular Savings Fund Direct-Growth
ICICI Prudential Mutual Fund's Conservative Hybrid shirin asusun juna ana kiransa ICICI Prudential Regular Savings Fund Direct-Growth. An kafa wannan asusu a ranar 1 ga Janairu, 2013, kuma yana aiki tsawon shekaru goma da watanni tara.
ICICI Prudential Regular Savings Fund Direct-Growth wani matsakaicin tsari ne a yankinsa tare da kadarorin da ke ƙarƙashin gudanarwa (AUM) na Rs.3,267 Crores har zuwa Yuni 30, 2022. Adadin kuɗin asusun, wanda shine 0.99%, ya fi abin da ya fi girma. mafi yawan kwatankwacin kuɗin kuɗin Conservative Hybrid. A halin yanzu, an kasafta asusun kashi 19.16% ga ma'auni da 64.97% zuwa bashi.
Komawar shekara 1 na Asusun Tallace-tallace na Tsare-tsare na ICICI kai tsaye-girma shine 7.03%. Bugu da ƙari, ya haifar da dawowar 10.72% a kowace shekara tun farkon farawa. A duk shekara bakwai, asusun ya ninka adadin da aka saka a cikinsa.
Ƙarfin ICICI Prudential Regular Savings Fund makircin girma kai tsaye don samar da ci gaba a ci gaba da kwatankwacin na yawancin kuɗi a cikin aji. Yana aiki mafi kyau fiye da matsakaita a iyakance asara a cikin ƙasan kasuwa.
Zuba jari a sassan Kudi, Sadarwa, Inshora, Makamashi, da Kiwon Lafiya sun ƙunshi mafi yawan hannun jarin asusun. Idan aka kwatanta da sauran kudade a cikin rukunin, ya ɗauki ƙasa da ƙasa a cikin masana'antar kuɗi da sadarwa.
A ƙarshe, bashin asusun yana da ƙarancin ƙima, wanda ke nuna cewa masu lamuni da ya ba da rancen kuɗi ba su da girma sosai.
Invesco Indiya Tsarin Haraji Kai tsaye-Growth
Shirin tallafin juna na ELSS daga Invesco Mutual Fund ana kiransa Invesco India Tax Plan Direct-Growth. An kafa wannan asusu a ranar 1 ga Janairu, 2013, kuma ya shafe shekaru tara da watanni bakwai yana aiki.
Ya zuwa Yuni 30, 2022, wannan asusun haɗin gwiwar ya sarrafa 1,818 Crores a cikin kadarorin, wanda ya mai da shi matsakaicin abin hawa a cikin aji. Adadin kuɗin asusun na 0.85% ya yi ƙasa da na sauran samfuran ELSS.
Komawar shekara 1 don Tsarin Harajin Invesco India Kai tsaye-Growth shine 30%. Ya haifar da 17.02% matsakaicin dawowar shekara tun farkon sa. Duk bayan shekaru uku, asusun ya ninka adadin da aka saka a cikinsa.
SBI Blue-chip Kai tsaye Tsare-girma
SBI Mutual Fund's SBI Blue-chip Direct Plan-Growth babban samfuri ne na asusun juna. An kafa wannan asusu ne a ranar 1 ga Janairu, 2013, kuma yana aiki sama da shekaru tara yanzu.
Asusu ne mai matsakaicin girma a cikin rukunin sa tare da kadarorin da ke ƙarƙashin gudanarwa (AUM) na 32,773 Crores tun daga Yuni 30, 2022. Asusun yana da ƙimar kashe kuɗi mafi girma fiye da yawancin sauran manyan kudade, a 0.95%.
Rahoton da aka ƙayyade na SBI Blue-chip Direct Plan-Growth ya dawo da kashi 5.91%. Ya samar da koma baya na 15.55% akan matsakaita a kowace shekara tun lokacin da ya fara halarta. Duk bayan shekaru uku, asusun ya ninka adadin da aka saka a cikinsa.
UTI Short-Lord Income Direct-Growth
Samfurin kuɗaɗen ɗan gajeren lokaci daga UTI Mutual Fund shine UTI Ingancin Samun Kuɗi kai tsaye-Growth. Asusu ne mai matsakaicin girma a rukuninsa tare da Rs. 2,315 Crores a cikin kadarorin da ke ƙarƙashin gudanarwa (AUM) har zuwa Yuni 30, 2022.
Matsakaicin kuɗin kuɗin asusun shine 0.34%, wanda yayi daidai da abin da yawancin kuɗin kuɗi na ɗan gajeren lokaci ke cajin.
Rahoton da aka ƙayyade na UTI shine 1%. Ya samar da koma baya na 8.36% a kowace shekara akan matsakaita tun farkonsa.
Wannan tsarin yana da daidaiton dawowa kwatankwacin yawancin kuɗaɗen ajin sa. Yana da ƙarfi mai ƙarfi don rage asara a cikin faɗuwar kasuwa.
Kudin hannun jari Axis Blue-Chip Fund
Babban riba Axis Mutual Fund House shine ribar da kamfani ke karɓa bayan da ya rage kudin da ake samarwa da sayar da kayansa da / ko kudin da zai samar da ayyukansa. An buɗe asusun a hukumance a ranar 5 ga Janairu, 2010.
Manufar saka hannun jarin asusun shine "ƙirƙirar babban babban jari na dogon lokaci ta hanyar saka hannun jari a cikin nau'ikan fayil iri daban-daban waɗanda galibi suka ƙunshi hannun jari da kayan aikin da suka danganci daidaito na manyan kamfanoni.
Tun daga ranar 31 ga Yuli, 2022, Asusun Axis Bluechip yana da kadarorin da ke ƙarƙashin gudanarwar jimlar Rs, 35915.36 crore. Tun daga Yuni 30, 2022, rabon kuɗi don shirin na yau da kullun na asusun shine 1.69%.
Parag Parikh Flexi Cap Fund Kai tsaye girma
Shiri na Flexi Cap Equity mai buɗewa wanda wani ɓangare na Gidan Asusun Mutual na PPFAS shine Asusun Parag Parikh Flexi Cap - Tsare Kai tsaye. An ƙaddamar da shi a ranar 28 ga Mayu, 2013.
Manufar saka hannun jarin asusun ya ce: “Ta hanyar saka hannun jari mafi yawa a cikin ma'auni da kuma abubuwan da ke da alaƙa da daidaito, tsarin yana neman samar da ƙimar babban jari na dogon lokaci. An kwatanta shi da NIFTY 500 Jimlar Komawa Fihirisar a matsayin maƙasudi.
Tun daga Satumba 1, 2022, Parag Parikh Flexi Cap Fund's Kai tsaye Tsaren Tsare Tsare Tsare Tsare Tsare Tsare Tsare na Yanzu don Zaɓin Ci gaban shine Rs 51.13. Tun daga ranar 31 ga Yuli, 2022, tana da kadarorin da ke ƙarƙashin kulawar Rs 24594.84 crore.
Kotak Emerging Equity Fund Regular-Growth
A Kotak Mahindra Mutual Fund House bude bude-ƙare tsakiyar-cap ãdalci shirin shi ne Kotak Emerging Equity Fund Regular Plan. Asusun ya fara aiki a ranar 30 ga Maris, 2007.
Dangane da burin saka hannun jari na asusun, wanda aka auna akan NIFTY Midcap 150 Total Return Index, tsarin yana da niyyar samar da ƙimar babban jari na dogon lokaci ta hanyar babban fayil na ãdalci da kayan aikin da ke da alaƙa ta hanyar saka hannun jari a cikin manyan kamfanoni.
Tun daga Satumba 1, 2022, Kotak Emerging Equity Fund Regular Plan's Current Net Asset Value for the Growth zaɓi shine Rs 77.00. Tun daga ranar 31 ga Yuli, 2022, Shirin Kotak Emerging Equity Fund Regular Plan yana da kadarorin da ke ƙarƙashin gudanarwar jimlar Rs. 20619.12 crore.
Kammalawa
Asusun juna babban zaɓi ne na saka hannun jari wanda zai iya taimakawa masu karɓar albashi don gina dukiya na dogon lokaci. Kudaden Mutual suna ba da tsare-tsare na kowane fanni na rayuwa, daga ritaya zuwa tara dukiya.
Kuna bayar da saka hannun jari ga masu ra'ayin mazan jiya da masu saka jari masu kyamar haɗari.
Amfanin bambance-bambance, ƙarancin farashi, 'yancin saka hannun jari a cikin ƙananan adadi, da sarrafa asusun ƙwararru duk fa'idodi ne.
Koyaya, kuɗaɗen Mutual suna ƙarƙashin haɗarin kasuwa kuma karanta duk takaddun da ke da alaƙa a hankali.
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