Kusamalira ndalama kumatha kukhala kovutirapo mukakhala ndi ngongole zambiri zoti mulipire, ndalama zomwe mungapange, komanso kusunga ndalama kuti muwonjezere.
Koma bwanji tikadakuuzani kuti pali wosewera watsopano mtawuniyi wokonzeka kupangitsa moyo wanu wachuma kukhala wosavuta?
Perekani moni kwa ET Money, pulogalamu yazachuma yomwe ikukulirakulira msika waku India.
Mu positi iyi, tiwona zomwe zimapangitsa ET Money kukhala yosiyana ndi ena onse komanso ngati ndiyofunika mwayi!
Chiyambi cha ET Money ndi Mission yake
ET Money ndi nsanja yazachuma yaku India komanso kasamalidwe kachuma yomwe yakula kwambiri m'zaka zaposachedwa. Ndi likulu lomwe lili ku Gurugram, India, kampaniyo inakhazikitsidwa mu Januwale 2015. Mwamuna yemwe adapambana ndi Mukesh P Kalra, yemwe ndi Woyambitsa ndi Mtsogoleri wamkulu wa nsanja.
ET Money ili ndi cholinga chopangitsa kasamalidwe kazachuma kukhala kosavuta komanso kofikirika kwa ogula potengera ukadaulo.
Kampaniyo ili ndi gulu laluso kwambiri la mamembala 250 omwe amagwira ntchito molimbika kuti akwaniritse zolinga zake. Malo ogulitsa apadera a ET Money ndi zero-commission mutual fund investing ndi kuthekera kowongolera ndalama, kulola ogwiritsa ntchito kuyang'anira ndalama zawo mosavuta.
Pazaka zingapo zapitazi, nsanjayi yawona kuwonjezeka kasanu kwa ogwiritsa ntchito, ndikulimbitsanso udindo wake ngati imodzi mwamapulatifomu omwe akukula mwachangu ku India.
Kodi muyenera kuyamba bwanji?
Kuyamba ndi ET Money ndikosavuta. Kaya mukufuna kugwiritsa ntchito imelo yanu kapena akaunti yanu ya Google, njirayi ndi yachangu komanso yosavuta.
Ingolokerani ku Webusayiti ya ET Money ndikulembetsa pogwiritsa ntchito njira yomwe mukufuna. Mukapereka OTP yomwe idzatumizidwa ku imelo yanu kapena yolumikizidwa ndi akaunti yanu ya Google, mutha kuyamba kuwona nsanja ndi mawonekedwe ake onse osadandaula ndi zolemba zina.
Komabe, ngati mukufuna kukhazikitsa akaunti yoyika ndalama, muyenera kupereka zambiri za PAN yanu ndi zambiri zakubanki zolumikizidwa ndi akauntiyo ya PAN. Njira yonseyi imasinthidwa kuti ulendo wanu wachuma ukhale wosavuta momwe mungathere.
3. Chidule cha pulogalamuyi ndi mawonekedwe ake
Ku ET Money, zida ndi zida zomwe zimapangidwira zimakuthandizani kuyang'anira ndalama zanu. Kuchokera ku ma calculator ndi ma analyzer kupita ku mutual fund portfolios ndi kusanthula masheya, nsanja iyi ili ndi zonse zomwe mungafune kuti mupange zisankho zandalama mwanzeru.
M'malo mwake, ET Money imatha kufotokozedwa bwino ngati mlangizi wanu wazachuma, nthawi zonse amakhalapo kuti akuthandizeni kuthana ndi mavuto azachuma. Koma tiyeni tidumphe mozama pang'ono ndi kuyang'anitsitsa mbali iliyonse ya izi imodzi ndi imodzi.
(i) Investor Personality Calculator
Kupereka ndalama mu malonda akhalire kumaphatikizapo zambiri osati kungoika ndalama m’zinthu zoika moyo pachiswe. Wogulitsa aliyense ali ndi umunthu wake womwe umakhudza zosankha zawo zachuma.
ET Money imapereka yankho ku izi popereka kafukufuku wazinthu zamalonda, zomwe zimakuthandizani kumvetsetsa kulekerera kwanu pachiwopsezo ndikupanga njira yosinthira ndalama.
Pulatifomu imamvetsetsa kufunikira kosamalira zosowa za munthu aliyense, ndichifukwa chake amafunsa mafunso angapo amakhalidwe kuti apange kusanthula kwatsatanetsatane kutengera umunthu wanu. Kusanthula uku kumakuthandizani kupanga zisankho zodziwitsidwa, ndikuwonetsetsa kuyenda bwino kwazachuma.
Ndi kuchuluka kwa msika waposachedwa pama media azachuma, ndikuyesa kudumphadumpha, koma kudziwa umunthu wanu wamalonda kuyambira pachiyambi kungapangitse kusiyana kwakukulu pakukwaniritsa zolinga zanu zachuma.
(ii) Mutual Fund Guide
Monga munthu yemwe wakhala akugwiritsa ntchito ET Money kwakanthawi tsopano, ndikukuwuzani ndekha kuti chiwongolero chawo chachuma ndipamwamba kwambiri. Choyamba, amapereka ntchito ya zero ndikugula ndi kugulitsa kwaulere, popanda ndalama zobisika. Kuphatikiza apo, ali ndi katundu wopitilira 5000 crore akulangizidwa, kotero mukudziwa kuti ndi nsanja yodalirika.
Nditazindikira koyamba magulu a ET Money omwe ali ndi makonda komanso nzeru zamunthu, ndidachita chidwi kwambiri. Ali ndi magulu opitilira 30 mu gawo la equity, magulu 20 a ngongole za mutual fund, ndi magulu 8 osakanizidwa. Chinthu chomwe chinandichititsa chidwi kwambiri chinali kufananiza komwe amapereka pakati pa magulu osiyanasiyana omwe amagwira ntchito limodzi.
Ndikudziwa kuti nthawi zina, kukhala ndi zosankha zambiri kumatha kukhala kovuta kwa osunga ndalama.
Ichi ndichifukwa chake ndimakonda kuti ET Money imaweruza ndalama pamagawo osiyanasiyana ndikupereka ma VRO pa nyenyezi zisanu. Mwanjira iyi, simuyenera kudodometsedwa ndi zosankha zonse - mutha kupita molunjika kwa omwe adavotera kwambiri ndikupanga chisankho kuchokera pamenepo.
(iii) Mutual Fund Analysis
Chifukwa chake mwasankha wopambana wanu, koma dikirani kamphindi! Pali chinthu chinanso chofunikira kwambiri - kusanthula thumba lomweli. Ndipo ndipamene ET Money imabwera ndi chida chawo chapamwamba cha mutual fund.
Ndinachita chidwi nditayang'ana koyamba pa Quant Tax Plan Direct-Growth fund. Khadi la lipoti lomwe mumapeza pazenera nthawi yomweyo limayesa ndalamazo potengera momwe zimagwirira ntchito komanso kuopsa kwake, zonse zidavotera nyenyezi 5 pankhaniyi.
Ndipo ngati muli ngati ine ndipo mumakonda kuwona manambala, pali chowerengera chomwe chimawerengera chuma chomwe mungakhale nacho potengera SIP yanu kapena ndalama zonse zogulira, pongolowetsamo zinthu zingapo monga kuchuluka kwa ndalama, tsiku, ndi nthawi.
Koma sizikuthera pamenepo. Yendani pansi pang'ono ndipo muwona chithunzithunzi cha momwe thumba likugwirira ntchito poyerekeza ndi gulu lapakati, komanso kufananiza mwatsatanetsatane zomwe zingabwerenso ndi zinthu zina zodziwika bwino monga ma depositi osakhazikika ndi golide.
Izi ndizofunikira kwambiri chifukwa, tiyeni tikhale enieni, thumba la mgwirizano liyenera kuchita bwino kuposa njira zotetezeka izi pakapita nthawi kuti zitsimikizire kuopsa kwake.
Ndipo ngati mukufuna kulowa muzinthu za nitty-gritty, kusanthula kumaperekanso zidziwitso zonse zofunika za thumba, monga chiŵerengero cha ndalama, katundu wotuluka, katundu pansi pa utsogoleri, zaka, ndi zina.
Chifukwa chake, mwachidule, chida cha ET Money's mutual fund analysis chida ndi malo amodzi osungiramo zinthu zonse zomwe mukufunikira kuti mupange zisankho zachuma.
(iv) Portfolio Health Checker
Kodi munayamba mwadzifunsapo ngati mutual fund portfolio yanu ikuwoneka?
ET Money's Portfolio Health Checker ingakuthandizeni kudziwa! Chida chodabwitsachi chimasanthula mbiri yanu pazigawo 12 zosiyanasiyana, ndikuwunika mwatsatanetsatane komanso mozama.
Ndagwiritsa ntchito chida ichi ndekha ndipo ndinganene kuti ndichopulumutsa moyo, chodaliridwa ndi ogwiritsa ntchito oposa 70 lakh. Nthawi zina ngakhale kuphatikizika bwino kwandalama sikungagonjetse msika, ndipamene Portfolio Health Checker imabwera.
Idzakupatsani kuwunika kolondola kwa mbiri yanu, kukuwonetsani ngati ndi yaukali kapena yosamala kwambiri, ngati muli okhudzidwa kwambiri ndi gawo linalake kapena gulu lazachuma, ndi zina zambiri.
Kusintha zambiri za mbiri yanu ndizomwe zimafunikira, ndipo chida chimachita zina zonse. Mulandira ndemanga yathunthu, kukupatsani chithunzi chonse cha thanzi la mbiri yanu.
(v) Wanzeru
Kodi munayamba mwafunafuna upangiri wazachuma kuchokera kwa abwenzi, anansi, kapena ogwira nawo ntchito?
Ngati ndinu Mmwenye, ine ndikutsimikiza kuti mwatero. Mukayamba kuyika ndalama, mafunso amakhala osatha - zomwe mungasungiremo, momwe mungasungire ndalama zambiri, komanso nthawi yoti mugulitse ndi nsonga chabe. Lowani gawo la ET Money's Genius.
Mchitidwewu sungakhale wophweka. Kutengera nthawi yanu komanso umunthu wamalonda, Genius amalimbikitsa ma portfolio opangidwa ndi akatswiri amakampani.
Ma portfolios awa ndi kuphatikiza kwa zinthu monga ndalama zaku India, ndalama zakunja, golidi, ngongole, ndi zina zambiri, zogwirizana ndi chiwopsezo chanu. Ndipo gawo labwino kwambiri? Genius amatsatanso msika ndikupereka zidziwitso kukuthandizani kuyikanso mbiri yanu, kuti muthe kusunga ndalama zanu moyenera.
Mtengo wamwezi uliwonse ndi 249 rupees, kuphatikiza GST, ndipo amalipidwa kotala.
Ndinachita chidwi ndi dongosolo la mitengo yamtengo wapatali la ET Money, zomwe zikutanthauza kuti mosasamala kanthu za kukula kwa mbiri yanu, mudzalipidwa ndalama zomwezo mwezi uliwonse. Ndipo palinso mwayi wapadera womwe ungapezeke miyezi itatu yoyamba pa ma rupee 3 okha pamwezi!
(vi) Inshuwaransi
Monga munthu yemwe wagwiritsa ntchito ET Money kwakanthawi tsopano, ndikuuzeni kuti chimodzi mwazinthu zomwe ndimakonda pa nsanja ndi inshuwaransi yake.
Amapereka inshuwalansi ndi inshuwaransi yanthawi yayitali, yomwe ndi inshuwaransi ziwiri zofunika kwambiri zomwe aliyense ayenera kukhala nazo. Ndondomekozi zapangidwa kuti zikupatseni chitetezo chandalama pakagwa tsoka komanso kukuthandizani kuteteza tsogolo la okondedwa anu.
Inshuwaransi yanthawi yayitali, mwachitsanzo, imakupatsirani dongosolo lokhazikika lotengera zaka zanu, jenda, zizolowezi (wosuta kapena wosasuta), komanso ndalama zomwe mumapeza pachaka. Pakafa momvetsa chisoni, ndalama zokhwima zimakhala zopanda msonkho, zomwe zimakupatsani inu ndi okondedwa anu mtendere wamalingaliro munthawi zovuta.
Mutha kusinthanso mawu, kuphimba, kapena maubwino ena kuti agwirizane ndi zomwe mukufuna, ndipo ngati pangafunike, mutha kuletsa ndondomekoyi mkati mwa masiku 15.
Kumbali ina, ndondomeko ya inshuwalansi ya umoyo ya ET Money imakupatsani mwayi wogula ndondomeko ya inshuwalansi ya banja lanu lonse. Ndondomekoyi imapereka zoyezetsa zaumoyo zaulere nthawi ndi nthawi, ndipo mutha kupeza chithandizo chopanda ndalama kuzipatala zotsogola m'dziko lonselo.
Komanso, mukhoza ngakhale sungani misonkho mpaka 15600, ndipo ndondomekoyi imakhudza osati ndalama zogonera kuchipatala, koma ndalama zonse zomwe zimaphatikizidwa, masiku 30-60 isanayambe kapena itatha chithandizo.
Zochitika za ogwiritsa ntchito ndi mawonekedwe
Monga wogwiritsa ntchito nsanja ya ET Money, nditha kunena kuti UI imagwira ntchito ndipo imagwira ntchitoyo. Magawo a dashboard ali okonzedwa bwino ndipo amalola mwayi wofikira mwachangu ku zida zosiyanasiyana monga ndalama zolumikizana, ma equities, ma Genius portfolios, ndi zowerengera.
Njira ya "Akaunti Yanga" yomwe ili kumanja kumanja ndi chida chothandiza chomwe chimasunga zinthu zanu zonse pamalo amodzi, zomwe zimapangitsa kuti zikhale zosavuta kuyang'anira ma SIPs anu, ma transaction, ndi zina zambiri zandalama.
Ngakhale mtundu wa PC uli wokonzedwa bwino, ndimakonda pulogalamu yam'manja ya ET Money chifukwa cha kuphweka kwake komanso UI wosavuta kugwiritsa ntchito. M'dziko lamasiku ano lomwe likuyenda mwachangu, ndikosavuta kuyendetsa bwino ndalama mukamayenda, ndipo pulogalamuyi imachita ntchito yabwino kwambiri yowonetsetsa kuti makasitomala ali ndi zida zonse zomwe angafune m'njira yolumikizana ndi mafoni.
5. Malipiro ndi zolipiritsa
Ndi njira yawo ya Direct Mutual Funds, mutha kuyika ndalama osadandaula ndi zolipiritsa zobisika kapena ma komishoni, panthawi yogula ndikugulitsa mayunitsi. Ndipo, ngati mukufuna kutsegula akaunti ya NPS, pali chindapusa chotsegulira akaunti kamodzi cha Rs 400 + GST.
Pakugulitsa kulikonse, pamakhala chindapusa cha 0.25% chandalama zonse + GST kapena Rs. 30 + GST. Ponena za umembala wawo wa Genius, umabwera ndi chindapusa cha 249 Rupees, kuphatikiza GST, yomwe imalipira kotala.
Koma monga tafotokozera mu gawo la 'Genius', akupereka zolembetsa za 'Genius' kwa 49/mwezi kwa miyezi itatu yoyamba.
6. Kasitomala thandizo
Zikafika pakuthandizira makasitomala, ET Money yakuphimbani. Pulatifomuyi imapereka chidziwitso chochuluka ngati mafunso omwe amafunsidwa pafupipafupi kuti akuthandizeni kuthana ndi zovuta zomwe wamba. Komabe, ngati mukukumana ndi vuto lomwe silinafotokozedwe mu FAQs, njira yothetsera madandaulo a kasitomala a ET Money imakhalapo nthawi zonse kuti ikuthandizeni.
Ingokwezani tikiti ndipo gulu la ET Money lidzafufuza nkhaniyi ndikubwerera kwa inu ndi yankho. Kaya mukuyang'ana thandizo pavuto laukadaulo kapena muli ndi funso lokhudza akaunti yanu, ET Money yadzipereka kukupatsirani chithandizo chomwe mukufuna kuti mukhale ndi mwayi wopeza ndalama.
7. Chitetezo ndi chitetezo cha deta ya ogwiritsa ntchito
Zikafika pakuyika ndalama, chitetezo ndi chitetezo nthawi zonse zimandidetsa nkhawa kwambiri. Mwamwayi, ndapeza kuti pulogalamu ya ET Money imatenga zinthu izi mozama. Pulogalamuyi imalembetsedwa ndi SEBI, chomwe ndi chizindikiro chabwino, koma chomwe chimasiyanitsa ndikugwiritsa ntchito encryption kuteteza deta ya ogwiritsa ntchito.
Nthawi zonse ndikalowa, ndimadziwa kuti zambiri zanga komanso zandalama zanga ndizotetezedwa komanso zotetezedwa kuti zisabedwe kapena kugwiritsidwa ntchito molakwika.
Chifukwa chake, ndimatha kupumula podziwa kuti tsogolo langa lazachuma lili m'manja mwabwino
8. Zolepheretsa
Pogwiritsa ntchito ET Money, ndawona zovuta zingapo zomwe zingakhale zoyenera kuzitchula. Pongoyambira, mawonekedwe okonzanso okha pakulembetsa kwa Genius akhoza kukhala zowawa ngati muiwala kuyimitsa. Mosiyana ndi nsanja zina, ET Money sapereka ndalama zobwezeredwa kwa nthawi yosagwiritsidwa ntchito.
Kuonjezera apo, kukonzanso kulikonse kumabweretsa katundu wotuluka, choncho dziwani kuti ngati mukuganiza kugwiritsa ntchito pulogalamuyi poyang'anira ndalama zanu.
Nkhani ina yomwe ndakumana nayo ndi kusowa kwa chithandizo chamoyo. Ngati mukufuna thandizo, muyenera kutumiza tikiti ndikudikirira gulu la ET Money kuti lifufuze. Palibenso chithandizo cha foni chomwe chilipo, kotero zingakhale zovuta ngati mukufuna thandizo mwachangu.
Pomaliza, pomwe ET Money imati ikupereka malingaliro amunthu payekha, zosankha zomwe amapereka zitha kuchepetsedwa malinga ndi zomwe mumapereka. Zingakhale zabwino ngati atakulitsa zopereka zawo m'tsogolomu kuti apereke malingaliro amunthu payekha.
Ponseponse, izi ndi zoperewera zochepa zomwe muyenera kuzidziwa, koma siziyenera kuchotsa zomwe ndakumana nazo ndi ET Money.
9. Malangizo kwa ogwiritsa ntchito
Ngati mwangoyamba kumene kupanga ndalama ndikufufuza nsanja kuti muzitha kuyang'anira ndalama zanu, ET Money ikhoza kukhala chisankho chanzeru. Pulogalamuyi ndi njira yabwino kwambiri yonyowetsa mapazi anu m'dziko lazachuma, ndi masanjidwe ake osavuta kugwiritsa ntchito komanso njira zosiyanasiyana zopangira ndalama zomwe mungasankhe.
Komabe, zikafika pa luso lapamwamba kwambiri, monga umembala wa ET Money Genius, ndingalangize kuchenjeza. Ngakhale ndikutsimikiza kuti ma portfolio ogwirizana ndi zina zoyambira ndizothandiza kwa ena, sindikuganiza kuti ndizoyenera kwa ine.
Ntchito zaulere ndizoyenera kuyang'ana, koma ndisanalembetse kulembetsa pamwezi, ndingaganizire kulinganiza ndalama ndi zabwino zake.
Siyani Mumakonda