Zosowa zanu zachuma zimakula pamene mukukalamba, ndipo mwadzidzidzi mumapeza kuti malipiro okhazikika pamwezi sangakhale okwanira kulipira chirichonse.
Mufunika njira yanzeru yoyendetsera ndalama yomwe imapereka ndalama zokwanira zikafunika komanso kugwira ntchito zanu mukakhala kutali.
Ndalama zogwirizanitsa ndi zina mwa njira zabwino kwambiri zogulira ndalama, zomwe mungasankhe potengera nthawi yanu komanso chiwopsezo chanu.
Koma mungakwanitse bwanji zimenezi? Tiyeni tifufuze.
Kodi Mutual Funds ndi chiyani?
Chida chandalama chotchedwa mutual funds chimatenga ndalama kuchokera kwa osunga ndalama angapo. Pambuyo pake, ndalama zophatikizana ndizo zimayendetsedwa muzinthu monga masheya amakampani omwe alembedwa, ma bond amakampani, ma bond aboma, ndi zitetezo zogulitsidwa.
Monga ogawana nawo, sindinu eni ake enieni akampani yomwe ndalama zonse zimagula. Komabe, mumagawanitsanso phindu lililonse kapena zotayika ndi ena omwe amagulitsa ndalama. Umu ndi momwe ndalama zogwirira ntchito limodzi ndi mawu oti "mutual" zimagwirizanirana.
Mumapindula ndi zomwe woyang'anira thumba adakumana nazo komanso chitetezo cha Securities Exchange ndi Board of India's (SEBI). Woyang'anira thumba la akatswiri amawonetsetsa kuti osunga ndalama alandila zobweza zapamwamba kwambiri.
Njira Zopangira Ndalama mu Mutual Fund kwa Anthu Olipidwa
Masiku ano, kuyika ndalama mu mutual funds ndizosavuta chifukwa chaukadaulo; kutengera zomwe muli nazo, mutha kuyika ndalama m'njira zambiri:
Investment Mwachangu
Mukhoza kusiya fomu yodzazidwa bwino ku ofesi ya mutual fund provider. Mukhozanso kusindikiza pulogalamuyo ndikulemba mosamala. Komabe, musanapereke cheke, muyenera kuwerenga bwino mgwirizanowo.
Investment mu Mutual Fund kudzera pa Online Mode
Mumangofunika intaneti komanso foni yam'manja kuti mugwiritse ntchito intaneti. Zosankha zambiri zimakuthandizani kuti musankhe thumba labwino kwambiri lachuma kutengera kulekerera kwanu pachiwopsezo, zolinga zanu, ndi zina.
Mutha kusunga nthawi ndi mphamvu pogwiritsa ntchito imodzi mwamapulatifomu osiyanasiyana opangira ndalama pa intaneti omwe amapezeka. Mukungofunika zambiri za khadi lanu la PAN, chidziwitso chanu, ndi akaunti yakubanki yogwira kuti mulumikizane ndi mutual fund firm.
Kudzera mu Akaunti ya Demat
Mutha kugulitsa ndikugulitsa ndi mutual fund pogwiritsa ntchito akaunti yanu yaku banki ndi akaunti ya Demat. Wogulitsa katundu wanu ayenera kukhala wogawa zovomerezeka za ndalama zonse kuti akupatseni chithandizo.
Kuti mupange ndalama, muyenera kulowa muakaunti yanu ya Demat ndikufufuza njira yopezera ndalama za mutual fund. Ndalamazo ziyenera kumalizidwa potumiza ndalama pa intaneti.
Timalimbikitsa kuyambira Zerodha.
Kudzera mwa Agents
Kuyika ndalama kudzera mwa othandizira ndi njira yayitali, yotopetsa, komanso yokwera mtengo yomwe iyenera kunyalanyazidwa. Kuti zikuthandizeni kupanga chisankho ndikulemba fomu yofunikira, itanani wothandizira. Agents athanso kufuna kuti apereke ntchito zawo.
Tsopano ali ndi zida zamagetsi zomwe angagwiritse ntchito kukuthandizani kulemba mafomu pakompyuta ndi kutsegula akaunti yanu mwachangu. Komabe, muyenera kuwonetsetsa kuti wothandizirayo ndi wowona.
Ubwino Woyika Ndalama mu Mutual Funds
Kuti akwaniritse zolinga za osunga ndalama amitundu yonse, ndalama zopitilira 8000 zimapezeka m'magulu osiyanasiyana. Ndalama zomwe zimagwirizana zimakhala zoyenera kwa aliyense pamene zipereka mgwirizano wabwino wa phindu, zopindula, ndi chitetezo.
Ubwino woyika ndalama mu mutual funds ndi awa:
Kasamalidwe Kabwino Kwambiri ka Ndalama
Gulu la akatswiri amasamalira ndalama zomwe mwaphatikiza. Choncho mungapindule ndi malangizo a akatswiri pomanga chuma. Liti kusankha masheya, mafakitale, kugawa, ndi kugula ndi kugulitsa maoda, woyang'anira thumba amachita kafukufuku wambiri.
mtengo wotsika
Ndalama zogwirira ntchito limodzi mosakayikira ndi chida chothandizira ndalama zambiri poganizira za ubwino wa chidziwitso, kusiyanasiyana, ndi njira zina zobwezera. Komabe, chiŵerengero cha ndalamazo chimakhala ndi kapu yoyendetsera 2.5%.
Njira ya SIP
Kusinthasintha kwa ndondomeko yoyendetsera ndalama kumakupatsani mwayi wopanga ndalama pakanthawi zodziwikiratu, monga sabata iliyonse, kotala, kapena mwezi uliwonse. Ndi Rs. 500, mutha kuyamba kuyika ndalama pazogwirizana.
Malo osinthira ndalama
Ndalama zina zomwe zimagwirizanitsa zimakulolani kusamutsa ndalama ngati simukukhutira ndi momwe ndondomeko ya mutual fund ikuyendera. Komabe, muyenera kupondaponda mosamala kwambiri posankha kusamuka.
Ubwino Wamisonkho
Mutha kusunga ndalama pamisonkho ndikumanga chuma poika ndalama mu thumba la ELSS lopulumutsa msonkho. Komanso, mutha kufunanso kuchotsera mpaka ma Rs. 1,50,000 pachaka pansi pa Gawo 80C la Ndalama Yopeza Chitani.
Ndalama Zabwino Kwambiri Zogwirizana Kwa Anthu Olipidwa
Tsopano popeza taphunzira za ndalama zolumikizana, titha kukambirana bwino zandalama zabwino kwambiri za anthu omwe amalipidwa kuti tipeze ndalama zambiri popanda chiopsezo chocheperako:
Ndalama ya HDFC Arbitrage Fund
HDFC Arbitrage Fund imayang'ana kwambiri mwayi wopezera ndalama zomwe zimachokera ku ndalama ndi ndalama.
Imodzi mwanyumba zazikulu kwambiri zopezera ndalama ku India, HDFC Asset Management Company, yomwe idakhazikitsidwa mu Seputembara 2007, ikupereka. Thumba la mgwirizanowu likugwera pansi pa gulu la arbitrage ndipo ndilotseguka.
hybrid HDFC Arbitrage Fund ili ndi zokonda makampani apakati. Ntchitoyi imapangidwa makamaka ndi ngongole ndi zinsinsi za msika wandalama, zomwe zimakhala ndi magawo awiri ndi atatu mwazinthu zonse. Mutha kulembetsa thumba la HDFC Arbitrage pa intaneti komanso pa intaneti.
Kwa mbali zambiri, thumba la ndalamazo lapambana kwambiri pobwereranso ndipo ndi chisankho chokhazikika kwa osunga ndalama omwe akufuna kukonzekera kupuma pantchito, kugula nyumba, kukwatira, kapena kukhala ndi ana.
Komabe, musanayambe kugulitsa zinthu zoopsa monga ndalama zogwirizanitsa, muyenera kulankhulana ndi mlangizi wanu wa zachuma.
ICICI Prudential Regular Savings Fund Direct-Kukula
Pulogalamu ya ICICI Prudential Mutual Fund ya Conservative Hybrid mutual fund imatchedwa ICICI Prudential Regular Savings Fund Direct-Growth. Thumba limeneli linakhazikitsidwa pa January 1, 2013, ndipo lakhala likugwira ntchito kwa zaka khumi ndi miyezi isanu ndi inayi.
ICICI Prudential Regular Savings Fund Direct-Growth ndi pulani yapakatikati m'dera lake yokhala ndi ma assets under management (AUM) ya Rs.3,267 Crores kuyambira pa Juni 30, 2022. Chiyerekezo cha ndalama za thumba, chomwe ndi 0.99%, ndi chachikulu kuposa chomwe ndalama zambiri zofananira za Conservative Hybrid zimalipira. Pakali pano, thumba laperekedwa 19.16% ku equities ndi 64.97% ku ngongole.
Kubweza kwa chaka chimodzi kwa ICICI Prudential Regular Savings Fund Direct-Growth ndi 1%. Kuphatikiza apo, idabweza 7.03% pachaka kuyambira pomwe idayamba. Pazaka zisanu ndi ziwiri zilizonse, thumba la ndalama limachulukitsa kuwirikiza kawiri ndalama zomwe zimayikidwamo.
Kuthekera kwa ICICI Prudential Regular Savings Fund Direct-Growth scheme kuti ibweretse phindu mosalekeza ndikufanana ndi ndalama zambiri zomwe zili m'gulu lake. Imachita bwino kuposa pafupifupi pakuchepetsa kutayika pamsika wapansi.
Kuyika ndalama m'magawo a Zachuma, Kuyankhulana, Inshuwaransi, Mphamvu, ndi Zaumoyo ndizomwe zimapanga ndalama zambiri za thumba. Poyerekeza ndi ndalama zina zomwe zili m'gululi, zatenga chiopsezo chochepa m'mafakitale azachuma ndi mauthenga.
Potsirizira pake, ngongole ya thumba ili ndi mlingo wochepa wa ngongole, zomwe zimasonyeza kuti obwereketsa omwe adawabwereketsa sakhala apamwamba kwambiri.
Invesco India Tax Plan Direct-Kukula
Pulogalamu ya ELSS mutual fund yochokera ku Invesco Mutual Fund imatchedwa Invesco India Tax Plan Direct-Growth. Thumba limeneli linakhazikitsidwa pa January 1, 2013, ndipo lakhala likugwira ntchito kwa zaka zisanu ndi zinayi ndi miyezi isanu ndi iwiri.
Pofika pa Juni 30, 2022, thumba la mutual fund lidakwanitsa 1,818 Crores pazachuma, zomwe zidapangitsa kuti ikhale galimoto yapakati pagulu lake. Chiŵerengero cha ndalama za thumba la 0.85% ndi chotsika kuposa chazinthu zina zambiri za ELSS.
Kubweza kwa chaka chimodzi kwa Invesco India Tax Plan Direct-Growth ndi 1%. Zapanga 30% zobwerera pachaka kuyambira pomwe zidayamba. Pazaka zitatu zilizonse, thumbali limachulukitsa kuwirikiza kawiri ndalama zomwe zimayikidwamo.
SBI Blue-chip Direct Plan-Kukula
SBI Mutual Fund's SBI Blue-chip Direct Plan-Growth ndi katundu wa Large Cap mutual fund. Thumba limeneli linakhazikitsidwa pa January 1, 2013, ndipo lakhala likugwira ntchito kwa zaka zoposa zisanu ndi zinayi tsopano.
Ndi thumba lapakati pagulu lomwe lili ndi zinthu zomwe zili pansi pa kasamalidwe (AUM) za 32,773 Crores kuyambira pa June 30, 2022. Ndalamayi ili ndi chiŵerengero cha ndalama zambiri kuposa ndalama zina zazikulu, pa 0.95%.
Kubwerera kwa SBI Blue-chip Direct Plan-Growth chaka chatha kunali 5.91%. Zatulutsa zobwerera za 15.55% pafupifupi pachaka kuyambira pomwe zidayamba. Pazaka zitatu zilizonse, thumbali limachulukitsa kuwirikiza kawiri ndalama zomwe zimayikidwamo.
UTI Short-Term Income Direct-Kukula
Chogulitsa cha Short Dual mutual fund kuchokera ku UTI Mutual Fund ndi UTI Short-term Income Direct-Growth. Ndi thumba lapakati pagulu lomwe lili ndi Rs. 2,315 Crores in assets under management (AUM) kuyambira pa June 30, 2022.
Chiŵerengero cha ndalama za thumba ndi 0.34 peresenti, zomwe zikufanana ndi zomwe ndalama zambiri zanthawi yochepa zimalipira.
Kubwerera kwa chaka chimodzi pa UTI Short-term Income Direct-Growth ndi 1%. Yatulutsanso 8.36% pachaka pafupifupi kuyambira pomwe idayamba.
Dongosololi lili ndi phindu lokhazikika lofanana ndi ndalama zambiri m'gulu lake. Ili ndi mphamvu zochepetsera zotayika pamsika womwe ukuchepa.
Axis Blue-Chip Fund
Axis Mutual Fund House ili ndi ndalama zotseguka za Axis Bluechip Fund. Ndalamayi idatsegulidwa mwalamulo pa Januware 5, 2010.
Cholinga cha thumba la ndalama ndi "kupanga kukula kwachuma kwanthawi yayitali kudzera m'mabizinesi osiyanasiyana omwe amapangidwa ndi ma equity ndi zida zokhudzana ndi mabizinesi akuluakulu.
Pofika pa Julayi 31, 2022, Axis Bluechip Fund inali ndi kasamalidwe ka ndalama zokwana Rs, 35915.36 crore. Pofika pa June 30, 2022, chiŵerengero cha ndalama za ndondomeko ya thumba la Regular Plan ndi 1.69%.
Parag Parikh Flexi Cap Fund Direct-Kukula
Pulogalamu ya Open-ended Flexi Cap Equity yomwe ili gawo la PPFAS Mutual Fund House ndi Parag Parikh Flexi Cap Fund - Direct Plan. Idakhazikitsidwa pa Meyi 28, 2013.
Cholinga cha thumba la ndalamazo chinati: “Poika ndalama zambiri m’mabizinesi okhudzana ndi malonda, dongosololi likufuna kubweretsa chiwongola dzanja kwa nthawi yayitali. Imafananizidwa ndi NIFTY 500 Total Return Index ngati benchmark.
Pofika pa Seputembara 1, 2022, Parag Parikh Flexi Cap Fund's Direct Plan's Current Net Asset Value for the Growth option ndi Rs 51.13. Pofika pa Julayi 31, 2022, ili ndi katundu yemwe akuyendetsedwa ndi Rs 24594.84 crore.
Kotak Emerging Equity Fund Regular-Kukula
Pulogalamu ya Kotak Mahindra Mutual Fund House yotseguka yotsegulira pakati ndi pulogalamu ya Kotak Emerging Equity Fund Regular Plan. Ndalamayi idayamba kugwira ntchito pa Marichi 30, 2007.
Malingana ndi cholinga cha ndalama za thumba, zomwe zimayesedwa ndi NIFTY Midcap 150 Total Return Index, ndondomekoyi ikufuna kupereka chiwongoladzanja cha nthawi yaitali kudzera mu ndondomeko ya ndalama ndi zida zokhudzana ndi equity poika ndalama makamaka m'makampani apakati.
Pofika pa Seputembara 1, 2022, Kotak Emerging Equity Fund Regular Plan's Current Net Asset Value for the Growth option ndi Rs 77.00. Pofika pa Julayi 31, 2022, Kotak Emerging Equity Fund Regular Plan inali ndi katundu woyendetsedwa ndi ma Rs. 20619.12 miliyoni.
Kutsiliza
Mutual fund ndi njira yayikulu yopangira ndalama zomwe zingathandize anthu olipidwa kukhala ndi chuma pakapita nthawi. Ndalama zomwe zimagwirizanitsa zimapereka ndondomeko pazochitika zilizonse za moyo, kuyambira kupuma pantchito mpaka kusonkhanitsa chuma.
Mumapereka ndalama kwa osunga ndalama omwe amasunga chiwopsezo.
Phindu la kusiyanasiyana, mtengo wotsika, ufulu woyika ndalama zochepa, komanso kasamalidwe ka thumba la akatswiri ndi zabwino zonse.
Komabe, ndalama zogwirira ntchito limodzi zimakhala pachiwopsezo chamsika ndikuwerenga mosamala zolemba zonse zokhudzana ndi dongosolo.
Siyani Mumakonda