Ulusi wa Quora paukadaulo wawo waposachedwa, "Wealth Monitor" ikuwoneka ngati yachipongwe kwa ine. Izi siziri zoneneza kapena zonena za njira zotsatsa zachinyengo. Koma kungowona chabe:
Onani ulusi Pano ndiyeno werengani ndemanga yanga pansipa.
Chavuta ndi chiyani ndi ulusi?
Yankho lililonse likuwoneka ngati logulitsa, lofanana, komanso lopanda phindu lomwe olemba achinyengo-akatswiri amawatulutsa masiku ano.
Ichi ndi mbendera yofiira kwambiri, choncho Ndikanamupewa Dezerv pakadali pano.
Ndizodabwitsa popeza kampaniyo idati zokhumba zawo zidali zopangitsa kuti ndalama zikhale zosavuta kwa makasitomala awo. Nkhani zonse za makhalidwe abwino ndi zikhulupiriro. Ndizodabwitsa kwa ine kuti amakhala otsika kwambiri. Mulingo womwe nthawi zambiri umasungidwa ndi azachinyengo komanso otsatsa a MLM.
Apanso, mabizinesi aku India a fintech ndi ankhanza kwambiri, kotero sindikupeza Dezerv chilichonse. Ili ndiye lingaliro langa ndi kuwunika kwanga, komwe ndikuyenera kukhala nako. Ndinangosankha kuzifotokoza poyera. Sindikupereka umboni kapena umboni woyambitsa Dezerv, kapena gulu lake lazolakwa zilizonse.
Koma zomwe akhala akuchita ndi njira zotsatsira ma forum ndizolakwika, zosayenera, komanso zokhumudwitsa, monga momwe ndikudziwira.
Ndipo kuyambira Zerodha adayambitsa ndalama zawo, apite kukayika ndalama zawo zatsopano. Palibe malipiro kapena zingwe zomwe zimaphatikizidwa.
Simukusowa "akatswiri" kuti agwiritse ntchito ndalama zogwirizanitsa.
Pewaninso PMS ya Dezerv. Lamulo langa lalikulu sikuti ndiike ndalama mu PMS pokhapokha ngati itavomerezedwa ndi abwenzi anu apamtima osachepera atatu, anzako ndi mabwenzi.
Kanthawi kapitako ndinadziwa za Dezerv, ndipo ndinaganiza kuti lingakhale lingaliro labwino kuyesa.
Ndi malo oitanirako okha kasamalidwe ka chuma komwe mbiri yanu imapangidwa kutengera chiwopsezo chanu, momwe mungasungire ndalama, komanso momwe mulili ndichuma.
Mukapanga ndalama kudzera ku Dezerv, mwachidule, akatswiri azitha kugwiritsa ntchito ndalama zanu muzochita zopangira inu. Kuwonetsetsa kuti mumapeza phindu lokhazikika ndikukwaniritsa zolinga zanu zogulira popanda kuyika ndalama muzinthu zongopeka komanso kusankha masheya.
Simuyenera kulipira ndalama zilizonse kwa Dezerv pakuwongolera ndalama zanu.
Koma kodi ndi zaulere, kapena koposa zonse, kodi simukulipirira kalikonse kwa akatswiri omwe amayang'anira ndalama zanu? Ndafotokoza izi mwatsatanetsatane kumapeto kwa nkhaniyi.
Popeza Dezerv satsegulidwa kwa aliyense mwachisawawa, zimapangitsa kuti kagulu kakang'ono ka akatswiri odziwa bwino ndalama apereke zotsatira zabwinoko komanso luso la ogwiritsa ntchito.
Umu ndi momwe ntchito yonse yotsatsira idayendera:
Ndinafunsira kwa Dezerv, ndipo patangotha mlungu umodzi kapena kuposerapo ndinalandira kuitanidwa kwanga.
Mukalandira kuyitanidwa, muyenera kulowa ku Dezerv pogwiritsa ntchito nambala yanu yafoni, ndizomwe ndidachita.
Mukalowa kwa nthawi yoyamba, chinthu choyamba chomwe mudzawona ndi tsatanetsatane wa Personalized Integrated Portfolio (PIP).
Ndilankhula za PIP mwatsatanetsatane ndikawunikanso Dezerv, koma ndi njira yawo yogulitsira katundu yomwe imatchedwa Integrated Portfolio Approach (IPA), zomwe zimatanthauzira kusiyanasiyana kwawo komanso njira yosankha zinthu.
M'mawu awoawo, IPA ndi:
Integrated Portfolio Approach™ ikufuna kupanga mbiri yapadera yamagulu osiyanasiyana, pomwe zotetezedwa zowonjezera, zopambana kwambiri zimasankhidwa kuti zipereke zobweza zapamwamba malinga ndi mbiri yachiwopsezo. Ndi yankho lathunthu pazosowa zanu zonse pakuyika ndalama.
Muyenera kudina batani la SetUp My Account kuti mupange ndalama zoyambira ndi Dezerv.
Izi zisanachitike, ndiroleni ndilankhule za magawo angapo patsamba la Personalized Integrated Portfolio pamwambapa. Dezerv imakulolani kuti musinthe mbiri yanu musanapange ndalama.
Mwachitsanzo, mutha kusintha "Investment Approach" ndikusankha njira zisanu:
Mutha kusankha pakati pa:
- kusamala
- Wosamala
- Zoyenera
- Growth
- Wokwiya
Tsopano, kutengera mayankho anu ku mafunso omwe Dezerv amafunsa mukamagwiritsa ntchito, amakupangirani njira yoyenera yopangira ndalama. Ndine wogulitsa ndalama kwanthawi yayitali, ndipo muyenera kukhalanso wowerenga AayushBhaskar.com ????.
Kotero, kutengera mayankho anga (nthawi yayitali, kulekerera kwachiwopsezo chachikulu) Dezerv adalimbikitsa mwayi wokhala ndi chiopsezo chachikulu kuti akule chuma changa kwa nthawi yayitali. Komabe, ndikhoza kusankha njira ina yopezera ndalama ngati ndikanafuna.
Ngati mukufuna kudziwa ndalama zomwe ndalama zanu zidzayikidwamo, dinani "Onani Zambiri za Portfolio".
Mutha kuwona momwe mbiri yanga imasinthidwira bwino ndi ndalama zonse mu Indian Equity, Fixed Income assets ndi Golide.
Izi ndizosiyana kwambiri - zokonzekera kuteteza kubwerera kwanga kuchokera pansi, makamaka nthawi ngati vuto la Ukraine-Russia pamene misika yamalonda ikhoza kugwa ngati nkhondo ikukula. Golide ndi chuma chosasunthika chimakonda kuchita bwino muzochitika izi.
Palinso gulu la mafunso omwe mungadutsemo kuti mumvetsetse momwe Dezerv amasamalirira ndalama zanu, momwe angachotsere ndalama, chitetezo chandalama, komanso chifukwa chomwe amakonda ndalama zofananira m'matangadza.
Mukamaliza kusanthula Dezerv Personalized Integrated Portfolio yanu, chotsatira ndikuyika ndalama zoyambira INR 50,000 kapena kupitilira apo. Izi ndizomveka popeza pali ndalama pafupifupi 9 mu mbiri yanga.
Ndidapitilira ndikuyika 50K ndi Dezerv.
Mandalama onse amapangidwa m'dzina lanu, Dezerv ndi wotsogolera / mlangizi chabe.
Mudzalandira chitsimikizo cha imelo kuchokera ku nyumba iliyonse ya mutual fund yomwe ili mu mbiri yanu Dezerv akamaliza kukonza ndalama zanu. Mutha kuyang'anira ndalama izi pogwiritsa ntchito a mbiri tracker komanso.
Dezerv pakadali pano imathandizira njira imodzi yokha yolipirira - Banking pa intaneti. Posachedwa abwera ndi njira zolipirira za UPI.
Mukapanga ndalama zoyambira, mumapeza mwayi wopita ku Dezerv backend, komwe mungayang'anire mbiri yanu ndikuwongolera akaunti yanu.
Zindikirani - Mbiri yanu siimakhazikika. Idzasinthidwanso chaka chilichonse ndi chilolezo chanu. Muli ndi mphamvu yolamulira ndalama zanu.
Mudzatha kuchotsa ndalama pakadutsa masiku 3-5 mutapanga ndalama zoyambira. Pambuyo pake, palibe nthawi zotsekera. Koma lankhulani ndi gulu la Dezerv musanasankhe kuchoka, mutha kutero sunga msonkho ndi kuchepetsa katundu wotuluka.
Umu ndi momwe dashboard ya Dezerv imawonekera:
Zindikirani momwe ndiyenera kubisira zinthu zina pachithunzi pamwambapa. Izi ndi zina mwa mwayi wopezera ndalama kwa mamembala a Dezerv.
Poyamba, ndinali ndi mapulani oti ndilembenso za izi, koma ndidawerenga kuti mwayi uwu ndi wachinsinsi komanso mwayi, osati kuwulula pagulu.
Awa ndi makampani ena a Pre-IPO komwe mungagule magawo kuchokera kwa anthu omwe ali okonzeka kuwagulitsa pamsika. Kapena nthawi zina izi zitha kukhala Katundu Wandalama Zina, Zokolola Zambiri, kapena Mgwirizano ndi nsanja zina monga GRIP.
Mudzapeza mwayi wopeza ndalama izi pokhapokha mutakhala membala.
Gulu la Dezerv likuthandizaninso kumvetsetsa zomwe zikuchitika pachuma chapadziko lonse lapansi komanso momwe ndalama zanu zimakhudzira. Mudzalandira mavidiyo ofotokozera ndi mauthenga pazachuma ndi zosintha zachuma nthawi ndi nthawi.
Ngati mukufuna kulankhula ndi wina kuti akufotokozereni ndikuyankha mafunso anu, pali membala wanu yemwe mungakambirane naye pa WhatsApp.
Mtengo wa Dezerv
Dziwani kuti mukulipira.
Ndipo sizomveka chifukwa muli ndi mapulogalamu ngati INDmoney omwe amachita kale zomwe Dezerv amachita. Sangopereka izi mwanjira yaukadaulo monga momwe Dezerv amachitira.
Chifukwa chake pali malonda ambiri omwe akuchitika pano pazantchito zomwe zilipo kale.
Simuli mwachindunji kulipira Dezerv kuti musamalire ndalama zanu, monga kulembetsa.
Komabe, mabizinesi omwe amapangidwa m'malo mwanu kudzera pa Dezerv amachitika pamakonzedwe anthawi zonse a mutual fund ndi osati ndondomeko zachindunji.
Kodi pali kusiyana kotani pakati pa ndondomeko za ndalama zokhazikika ndi zachindunji za mutual fund?
Mapulani okhazikika a mutual fund nthawi zonse amathandizidwa kudzera mwa broker, munthu wapakati. Ndipo broker aliyense amalipidwa ntchito ndi mutual fund house.
Nyumba za mutual fund sizilipira makomisheniwa m'thumba mwawo. M'malo mwake amakulipirani.
Chifukwa chake, mwaukadaulo mukulipira gulu la Dezerv chindapusa chowongolera ndalama zanu.
Ndinawerengera, ndipo monga momwe ndakhalira ndi Dezerv, Ngati ndisunga zaka 10 zotsatira, ndidzalipira pafupifupi 4,00,000 m'makomisheni.
Cholinga changa kukuphunzitsani izi ndikukuthandizani kupanga chisankho choyenera. Ndikukhulupirira kuti izi zimathandiza. Ngati mungandifunse, sizomveka kuyika ndalama kudzera pa Dezerv.
Kodi mungapeze bwanji ku Dezerv?
Choyamba, muyenera kupempha kuitana.
Kenako amawunika mbiri yanu potengera mayankho anu mu pulogalamu yoyitanitsa, yomwe amagwiritsanso ntchito kupanga mbiri yanu yogulitsa. Tsopano, sizili ngati adzakupangirani mbiri yatsopano, koma mudzapatsidwa mwayi wopeza chimodzi mwazinthu zitatuzi (zolingalira zanga zosaphika) zomwe zidapangidwira kale kutengera chiwopsezo chanu cha kudya.
Pomaliza, zonse zikakhazikitsidwa, mumalandira kuyitanidwa kuchokera kwa Dezerv, koyenera kwa masiku 8.
Muyenera kupanga ndalama pasanathe masiku 8 mutalandira kuyitanidwa kwanu. Ngati simutero, mwayi wanu wopeza ndalama kudzera pa Dezerv utha.
Zonsezi si kanthu koma njira yotsatsa malonda - kotero musadandaule ngati simulandira kuitanidwa posachedwa. Pambuyo pake adzatsegula nsanja kwa aliyense.
Mukadina ulalo womwe uli pamwambapa, mupeza mwayi wopita ku Dezerv, mwachangu kuposa wina aliyense. Kwa owerenga anga okha.
Awa anali malingaliro anga oyamba nditagwiritsa ntchito Dezerv.
Kodi ndipitilize kugulitsa ndalama ndi Dezerv?
Mwina, ayi. Ndili ndi PMS yomwe imayang'anira ndalama zanga zambiri (70%).
Komabe, ndimakonda njira yawo yonse. Ndilankhula zambiri za izi ndikadzakumana ndi nsanja yawo kwa miyezi ingapo osachepera ndikulemba ndemanga za izi. (Zosinthidwa, izi ndi ndemanga, palibe zambiri kwa izo. Mwachidule, sizoyenera ngati ndinu wophunzira wamalonda. Zoyenera ngati mulibe nthawi yoti mumvetse msika.)
Ndikupangira kudziphunzitsa nokha ndikuyesera kuyika ndalama mwachindunji. Simuyenera kulipira ma komisheni pamene nsanja ngati Scriptbox, INDMoney ndi Kukula tsogolerani ndalama zachindunji za MF ndi matani azinthu zamaphunziro kuti zikuthandizeni kusankha thumba loyenera malinga ndi zosowa zanu.
Varun
Moni Ayush, kodi iyi ndi ndalama imodzi yokha? Kapena ndiyenera kuchita izi chaka chilichonse? Komanso ngati dezerv atseka ndiye kuti ndikadali ndi ndalama zanga, sichoncho? Kuzindikira kwanu kwandipatsa chidaliro chokwanira kuti ndipite patsogolo ndikuyika ndalama .pls yankhani ..
Aayush Bhaskar
Hi Varun,
Muyenera kuyika ndalama zosachepera 50K kuti mufike ku Dezerv. Pambuyo pake, nthawi iliyonse mukafuna kuyika ndalama zambiri, ndalama zochepa ndi 20K. Mutha kusankha kuyikapo ndalama zokhazikika monga momwe ndimachitira (sabata lililonse). Kapena kamodzi pakanthawi, mwachitsanzo, mukapeza bonasi.
Ndalama zanu zimatumizidwa ku mutual fund house. Dezerv ndi sing'anga chabe. Simuyenera kudandaula za iwo kutsekedwa konse.
aswin
"Choncho, mukulipira Dezerv ndalama zambiri kuti azisamalira ndalama zanu.
Ndinawerengera, ndipo monga momwe ndakhalira ndi Dezerv, ndikasunga zaka 10 zikubwerazi, ndidzalipira pafupifupi 4,00,000 m'makomisheni.
Hi Aayush!
Pamene mukukambirana za chindapusa (chomwe chatchulidwa pamwambapa), mwanena kuti mungayembekezere zolipiritsa za Rs. 4L kwa zaka 10 pazogulitsa zanu pano.
Kodi mungandipatseko chiŵerengero chandalama zomwe mwagulitsa kuti mupereke lingaliro labwino la kukula kwake kwa chindapusa cha 4L? Apo ayi, munthu sangathe kupeza lingaliro loyenera la gawo la ndalama zomwe zidzatayika ngati malipiro.
Ndikuyembekeza kumva kuchokera kwa inu posachedwa.
Aayush Bhaskar
Langizo - Pogwiritsa ntchito upangiri wa INDmoney ( ₹ 99 pamwezi) mutha kuyang'anira ma komishoni.
Rajesh
Hi Aayush,
Ndikuwona kuti pakadali pano gulu la Dezerv likunena kuti amangoyika ndalama mu Direct mutual funds mu ndalama zomwe zimayendetsedwa ndi iwo mwachangu muzinthu zotchedwa Growth Assets. Akuyembekezera 3-4% apamwamba kuposa momwe msika ukuyendera ndipo amalipira 5% ya phindu pachaka.
Ndinagwiritsanso ntchito ntchito yofananira m'masitolo ogulitsa, komabe m'chaka chimodzi sindinathe kuwona zobwezera zofanana ndi zomwe zikuchitika pamsika ndikutuluka mu ntchito zawo.
Malingaliro aliwonse momwe izi zingakhalire ndi zosankha zomwe zilipo kale monga Scripbox, INDMoney, etc
Mahesh
Hello Ayush,
Choyamba, zikomo ku ndemanga yanu yatsatanetsatane pa Deserv App. Popeza mumanena kuti zikutanthawuza zolipiritsa zochulukira monga ntchito, chonde mungatidziwitse kuti zikanakhala zochuluka bwanji. Mwachitsanzo ngati ndiyamba kupanga ndalama ndi 50K kenako 20K ngati SIP, ndi ndalama zingati zomwe zingandiwonongere?
Chidziwitso: Ndine watsopano kudziko lazachuma ndi ndalama.