Akatswiri amsika akukhulupirira kuti 2021 ikhala chaka chodabwitsa pamsika. Kale pamtunda, Sensex ikuyembekezeka kufika 50,000 ndi Nifty pa 15,000 kumapeto kwa chaka chino. Ma indices adzafuna mbiri yayikulu mu 2021.
2020 inali imodzi mwazaka zovuta kwambiri pamsika chifukwa cha mliri. Msikawu udawona zaka zowoneka bwino za ng'ombe ndi chimbalangondo koma zidapitilira nthawi ya ng'ombe.
Onse a BSE Sensex ndi Nifty 50 adachita kuchira mwanzeru ngakhale dziko lidatsekedwa. Kuthamanga kwamphamvu kwachuma pamsika kunathera pakupindula kwa ma indices onse.
Sensex idakula ndi 14.8% ndi Nifty 50 ndi 14%.
Kutsatsa kukuyenda bwino, ndi mwayi wabwino kwa osunga ndalama kuti agwiritse ntchito ndalama zomwe zikukula kwambiri.
Kodi Mutual Funds Ndi Chiyani?
Ndalama zomwe zimagwirizanitsa ndizo ndalama zotseguka zomwe zimayendetsedwa mwaukadaulo. Amaphatikiza ndalama kuchokera kwa osunga ndalama ambiri kuti agule zotetezedwa.
Ndalama zazikuluzikulu za mutual funds ndi imodzi mwa njira zotetezeka kwambiri zopezera ndalama. Malinga ndi SEBI, ndalamazi zimayika ndalama zake zosachepera 80% pazachuma ndi zida zofananira zamakampani odziwika bwino komanso otchuka.
Ali ndi mtundu wodalirika wamtundu, mwayi wampikisano, pepala lolimba la ndalama, mwayi wosavuta kuzinthu zonse komanso mtundu wokhazikika wabizinesi.
Makampaniwa nthawi zambiri amapanga phindu lokhazikika ndipo amasangalala ndi kukhulupirika kwamakasitomala. Izi ndi zomwe zimawapangitsa kukhala okhoza kupirira zovuta zachuma ndi zachuma, chifukwa chake, ndi njira zotetezeka zogulira.
Poganizira magawo obwezera chiopsezo, zobwezera sizingakhale zambiri nthawi zonse koma zimakhala zokhazikika. Amathandizira kukhala ndi chiwopsezo pamsika wosakhazikika poyerekeza ndi anzawo ang'onoang'ono.
Ndalama zazikuluzikulu ndizoyenera ngati mukuyang'ana kuti mupeze kukula kokhazikika kwa ndalama zazikuluzikulu kwa nthawi yayitali. Ndiwo ndalama zotetezeka kwambiri m'gulu la equity.
Opambana 8 omwe akuchita zazikulu mutual fuZolinga zogulitsa mu 2021 ndi -
Malingaliro a kampani Axis Bluechip Fund:
Kubwerera pachaka kwa 22.91%. Malingaliro a kampani Axis Bluechip Fund cholinga chake ndi kupititsa patsogolo momwe ndalama za mutual funds zikuyendera.
Ngakhale zimabwera pansi pazachuma chowopsa, amayesetsa kuti chiwopsezocho chikhale chocheperako kuposa momwe adakhazikitsira. Ili ndi katundu wapadera wokhala ndi mapindu amkalasi.
Pamodzi ndi izi, amakhalanso ndi mwayi wogonjetsa inflation ndi kupanga ndalama za nthawi yaitali. Pokhala imodzi mwamandalama apamwamba kwambiri omwe mungasungiremo ndalama, ndiye chisankho choyenera kuti osunga ndalama akwaniritse zolinga zawo zachuma mchaka cha 2021.
Ndondomeko yocheperako mwadongosolo yoyendetsera ndalama (SIP) ya Axis Bluechip ndi Rs. 500. Ili ndi otsika chiŵerengero cha ndalama ya 0.51%, zomwe zikuwonetsa kuti katundu wocheperako amagwiritsidwa ntchito pakuwongolera ndi kuyendetsa.
Pansipa pali tchati chakukula kwa Axis Bluechip Fund kuchokera ku moneycontrol.com.
Kotak Bluechip Fund:
Ndi kubweza kwapachaka kwa 25.28% ndi chiwongola dzanja cha 0.96%, Kotak Bluechip Fund amaonedwa ngati ndalama zotetezeka zomwe zingapirire kugwa kwachuma. Kubweza kwawo kwa zaka zitatu ndi zaka 3 ndikokwera kwambiri kuposa kubweza kwagulu, zomwe zimapangitsa kukhala njira yabwino yopangira ndalama.
Ndalamayi ili ndi SIP yochepa ya Rs. 100. Kuti zinthu zikhale zosavuta komanso zomveka bwino, poganizira za kubwereranso kwa 25.28%, Rs. 100 yomwe idayikidwa mwezi uliwonse chaka chatha idzapereka Rs. 1,333 lero.
98% ya katundu wa Kotak Bluechip ndi katundu, ndipo ndalama zotsalazo - HDFC Bank Ltd., Infosys, and Reliance kukhala 3 zapamwamba kwambiri.
Pansipa pali tchati cha Kotak Bluechip Fund kuchokera ku Coin by Zerodha.
Malingaliro a kampani SBI Bluechip Fund:
Kupereka phindu lapachaka la 27.52%, the Malingaliro a kampani SBI Bluechip Fund ali ndi ndalama zokwana Rs. 25,925 Kr.
Ndi imodzi mwazinthu zotsogola mugulu la big-cap mutual fund, zomwe zimapereka mwayi wabwino wobweza ndalama wanthawi yayitali komanso zobweza.
Chiŵerengero cha ndalama za SBI Bluechip Fund ndi 1.03%, ndipo SIP yochepa ndi Rs. 500. Ndalamayi ili ndi 99.6% yogwira ntchito mofananamo, ndi HDFC Bank Ltd., ICICI, ndi Infosys kukhala apamwamba.
Pansipa pali chithunzi cha kukula kwa SBI Bluechip Fund kuchokera ku Coin ndi Zerodha.
ICICI Prudential Bluechip Fund:
ICICI Prudential Bluechip Funds ndi m'modzi mwa ochita mosasinthasintha mugulu la big-cap mutual fund. Ndi thumba lalikulu la Rs. 26, 541 Cr., kubweza kwapachaka komweku ndi 24.36%.
Ndalamayi yakwanitsa kugonjetsa benchmark kwa nthawi yaitali. Yapereka 21% motsutsana ndi 16% ya muyezo muzaka 5. Ndipo waperekanso 18% motsutsana ndi 11% mwazaka 10.
Chiŵerengero cha ndalama sichili chokwera kwambiri, chikuyima pa 1.22%. Komabe, kutha kwa ndalama zawo kumaphatikizapo ngongole ya 1.1%, ndalama 3.5%, ndi 95.4% yofanana. Zomwe zili pamwambazi ndi HDFC Bank Ltd., Infosys, ndi ICICI Bank Ltd.
Ndalama zochepa za SIP ndi Rs. 100, ndi woyang'anira thumba potsatira kuwerengera kokongola.
Poganizira zomwe tafotokozazi, ndi imodzi mwazabwino kwambiri zopangira ndalama mu 2021.
Pansipa pali tchati cha ICICI Prudential Bluechip Fund kuchokera ku Coin yolemba Zerodha.
Canara Robeco Bluechip Fund:
Ndi kubwerera kwapachaka kwa 30.17%, ndi chiwopsezo chochepa, njira yogulitsira nthawi yayitali.
Monga chaka 1, 3 chaka, ndi zaka 5 kubwerera ndi apamwamba kuposa gulu pafupifupi amabwerera; ili ndi phindu lalikulu lamtsogolo.
Canara Robeco Bluechip Fund wachita bwino kuposa momwe amawerengera ndipo ndi ndalama zoyenera kwa zaka 3+ zanthawi, kuti ziwonetsere kukula kwapamwamba.
Ali ndi chiwongola dzanja chochepa cha 0.66% ndipo ndi thumba lomwe likubwera. Ndalama zochepera za SIP za mutual fund ndi Rs. 1,000, ndi 95.3% ya kusanthula kwawo komwe kumaperekedwa ku chilungamo.
Ma 4 awo apamwamba kwambiri ndi HDFB Bank, Infosys, ICICI Bank, ndi Reliance Industries.
Pansipa pali chithunzi cha kukula kwa Canara Robeco Bluechip Fund kuchokera ku Coin yolemba Zerodha.
Mirae Asset Large Cap Fund:
Ndi 24.80% kubwerera chaka chimodzi, Mirae Asset Large Cap Fund ndi imodzi mwamadongosolo apamwamba kwambiri a mutual fund ku India.
Iwo ndi osowa kwambiri ndipo atha kubweretsa phindu lodziwika bwino lomwe lasinthidwa pachiwopsezo pazaka zambiri. Achita bwino kuposa ena onse poyerekeza ndi benchmark ya gulu lalikulu la zipewa.
Pazaka zapitazi za 1, zaka 3 ndi zaka 5, ndondomekoyi yakwanitsa kupereka 11.8%, 8.5% ndi 13.4% kubwerera, motsatana.
Chiŵerengero chawo cha ndalama ndichotsikanso ngati 0.55%, kupanga 12.3%, 7.3% ndi 10.4%, motero, muzaka 1, 3, ndi 5.
Pansipa pali chithunzi cha kukula kwa Mirae Asset Large Cap Fund kuchokera moneycontrol.com.
BNP Paribas Large Cap Fund:
Ndi kubwerera kwapachaka kwa 23.94%, BNP Paribas Large Cap Fund ali ndi magwiridwe antchito apamwamba poganizira zobwerera, zoopsa, komanso kusasinthika.
Iwo ali ndi chiŵerengero cha ndalama cha 1.03% ndi ndalama zochepa za SIP za Rs. 300. Zina mwazinthu zapamwamba za BNP Paribas ndi HDFC Bank, ICICI Bank, Infosys, Reliance Industries, Kotak Mahindra Bank, Bharti Airtel, TCS ndi Hindustan Unilever.
Ngati ndinu Investor mukuyang'ana phindu lalikulu poyika ndalama zanu kwa zaka 3-4, iyi ndi njira yabwino kwa inu.
Kubweza kwapakati pa thumba lalikulu la mutual fund kumawoneka pa 22.94% motsutsana ndi gulu la 21.95% - zomwe zimapangitsa kuti ndalamazo zikhale zabwino kwambiri.
Pansipa pali tchati cha BNP Paribas Large Cap Fund kuchokera ku Coin yolemba Zerodha.
Edelweiss Large Cap Fund:
Ndi njira yopezera ndalama zopezera masheya amtengo wapatali okhala ndi zobweza zapamwamba, Edelweiss Large Cap Funds perekani kubweza kwapachaka kwa 24.98%.
Ndalama zawo zochepa za SIP zimagulidwa pa Rs. 500 ndi chiŵerengero cha ndalama cha 1.05%.
Zomwe zili pamwambazi zikuphatikiza makampani odziwika bwino monga HDFC Bank, Bharti Airtel, Reliance Industries, ICICI Bank, Infosys, SBI, Axis Bank, ndi makampani omwe ali pansi pamakampani 100 omwe adatchulidwa ku India ndi capitalization yamsika.
Muyenera kuyika ndalama mu thumba la mutual fund ngati mukuyang'ana pakupanga chuma kwa nthawi yayitali ya zaka 5 kupita kumtunda.
Kusanthula kwawo mwanzeru zamagulu kukuwonetsa kuti zambiri zomwe ali nazo ndimakampani azachuma, makampani a IT, makampani a Pharma, ndi zinthu zogula. Makampani onsewa akuchulukirachulukira, zomwe zimapangitsa kuti mutual fund ikhale chisankho chabwino kwambiri choti muyikemo.
Pansipa pali tchati cha Edelweiss Large Cap Fund kuchokera ku Coin yolemba Zerodha.
Mapeto:
Ndalama zomwe tazitchula pamwambapa ndiye chisankho chabwino kwambiri ngati mukufuna kuyika ndalama m'chaka cha 2021.
Komabe, zingakhale bwino ngati mukumbukira kuti simusankha ndalama zazikuluzikulu poyang'ana msika wamsika waufupi, kunyalanyaza kugawidwa kwa katundu wanu, kubwezeretsa khungu pa nyenyezi, malingana ndi zolemba zakale za MF, kunyalanyaza mbali za chikhalidwe cha mutual fund ndikudalira kwambiri malangizo a banja ndi abwenzi.
Onetsetsani kuti mwapanga chisankho chanu mutafufuza kwambiri za mutual fund yomwe mukufuna kuyikamo.
Ngakhale ndalama zogwirizanitsa zimatengedwa ngati zosankha zotetezeka, zimakhala zosasunthika ndipo zingakhale zoopsa, nazonso.
Pangani chisankho pokhapokha mutatsimikiza za MF yomwe mukufuna kuyikamo, mutaganizira zonse Mkhalidwe ndi kuchuluka kwake yemweyo.
Siyani Mumakonda