Ndi anthu ochulukirachulukira omwe akugulitsa ndalama ku Indian Stock Markets, makampani ambiri obwereketsa akubwera kudzagwiritsa ntchito mwayiwu.
Zikatero, Grow ikuwoneka kuti yakhala nsanja yotchuka yopangira ndalama kwa anthu ambiri. Ngati mukusokonezeka kuti mugwiritse ntchito kapena nsanja ina iliyonse, onani ndemanga yanga ya Kukula.
Kaya ndi mndandanda wazinthu kapena zolipiritsa zomwe zikuphatikizidwa mu pulogalamuyi, ndidayesa chilichonse papulatifomu, ndipo nazi zomwe ndikuchita.
Kodi Grow ndi Chiyani?
Kukula ndi nsanja yogulitsira masheya komwe ogwiritsa ntchito amatha kugula masheya mosavuta, Mutual Funds, Golide, ngakhale kutenga nawo gawo ku US Stocks. Zimakupatsaninso mwayi kutenga nawo gawo pamisika yoyambira, mwachitsanzo, ma IPO.
Groww ndi dzina la Nextbillion Technology Private Limited, Stockbroker yolembetsedwa ndi SEBI komanso membala wa National Stock Exchange (NSE) ndi Bombay Stock Exchange (BSE).
Ndi nsanja yamalonda yapaintaneti ndipo sipereka malangizo kapena malingaliro. Komabe, mukhoza kuphunzira za misika yamasheya, kuyika ndalama, ndi zina zambiri kudzera mu E-mabuku ndi makanema papulatifomu.
Mawonekedwe a Groww App
Ndi Kukula app, mutha kugula masheya, kupanga mawotchi okonda makonda anu mu SIPs pamwezi, ndi zina zambiri. Tiyeni tione mbali zonsezi mwatsatanetsatane.
1. Dashboard yochititsa chidwi
Dashboard ya pulogalamuyi imakulolani kuti muyang'ane ndalama zanu zonse, mitengo yaposachedwa, komanso zinthu zabwino kwambiri komanso zomwe sizikuyenda bwino kwambiri masiku ano. Mutha kusintha zenera ndikudziwa zonse zomwe mukufuna.
2. Katundu Wambiri
Kuchokera kumasheya, Mutual Funds, ndi FDs kupita ku IPOs, Digital Gold, ndi ETFs, Groww imabweretsa kwa inu zida zingapo zogulitsira. Imaperekanso njira za Tsogolo & Zosankha kwa amalonda. Mutha kupanga ndalama zongopha kamodzi kokha pazinthu zonsezi.
3. Zonse Zokhudza Katundu
Ndi Grow, mutha kumasuka ku gawo lanu la kafukufuku wazinthu zilizonse. Zimakupatsirani zambiri zamakampani.
Mukhoza kuyang'anitsitsa bwino ma chart a katunduyo kuti mupeze lingaliro la kayendetsedwe ka mtengo. Imakupatsirani mbiri yathunthu yantchitoyo.
Mutha kuwerenga nkhani zaposachedwa za kampaniyo ndi zomwe zikubwera. Zambiri zonsezi zimakhudza kwambiri mitengo yamasheya, chifukwa chake, muyenera kudziwa za iwo.
4. Kuyika Kwadongosolo Kumodzi
Groww imakupatsani mwayi wolipira komanso kusungitsa ndalama mosavutikira ndi chala chanu. Amalola ogwiritsa ntchito kuyitanitsa ndikudina kamodzi kokha posankha katundu ndikudina "Buy".
5. Smartsave
Ndi chinthu chatsopano chomwe chinayambitsidwa ndi Groww chomwe chimakupatsani mwayi wosunga ndalama zanu pomwe mumalandira zobweza zambiri kuposa akaunti yakubanki yosungira. Imasunga ndalama zanu mu ICICI Prudential Liquid Fund, zomwe zimathandiza kukulitsa chidwi chanu komanso kuchepetsa chiopsezo.
Ogwiritsa ntchito ali ndi mwayi wopeza ndalama zambiri kapena kusankha SIP pamwezi.
6. Zowonera Mwamakonda Anu
Ndi Groww, mumatha kupanga zolemba zanu zowonera. Mutha kulekanitsa ndalama zanu zanthawi yayitali ndi ndalama zazifupi kudzera mu izi, kapena muzigwiritsa ntchito momwe mukufunira. Izi zimakupatsani mwayi wosankha zinthu zosiyanasiyana ndikukupatsani chithunzi chachikulu mwatsatanetsatane.
7. Kuletsa/ Kuyimitsa SIP Yopitirira
Groww imapereka kusinthasintha kwakukulu komanso ulamuliro kwa makasitomala ake poyerekeza ndi magwero akale a ndalama. Zimathandizira ogwiritsa ntchito kuletsa, kuyimitsa SIP yopitilira, kapena kupita ku ina ngati wogula awona kuti ikuyenera.
Chifukwa chake, osunga ndalama amatha kuyika ndalama nthawi iliyonse akafuna, kwa nthawi iliyonse yomwe akufuna, komanso pamtengo woyambira wa ₹ 500 chabe.
8. Portfolio Insight And Management
Portfolio ndi chopereka kapena dengu lamtundu womwewo kapena wosiyanasiyana wachitetezo pomwe wina akufuna kuyikapo ndalama zawo.
Kukhala ndi mbiri kumapangitsa munthu kugawa chiwopsezo pakati pamagulu angapo achitetezo, zomwe zimapangitsa kubweza kwakukulu ku likulu. Groww imakupatsani mwayi wopanga ndikuwongolera mbiri yanu kuti muwunikire mitundu yosiyanasiyana yachitetezo chomwe muli nacho.
Zida Zosiyanasiyana Zopangira Zakukulitsa
Pali mitundu yosiyanasiyana yosankha ndalama zomwe zimabwera ndi pulogalamu ya Groww. Izo osati amalola kuti aganyali iwo komanso amapereka yosalala kwambiri ndi yosavuta kugwiritsa ntchito mawonekedwe kuti zimapangitsa izo woyamba-wochezeka.
Tiyeni tione mwatsatanetsatane.
1. Masheya
Chida choyambirira komanso chodziwika bwino choyikapo ndalama papulatifomu ndi Stocks. Ogwiritsa ntchito amatha kusunthira mosavuta kuzinthu zomwe zikuyenda bwino.
Mutha kuwonanso zomwe zimapeza bwino kwambiri, masheya otayika kwambiri, ndi zosefera zina zambiri zapamwamba pa pulogalamuyi. Zimakupatsaninso mwayi kuti muwone mndandanda wamasheya omwe adakonzedwa m'magawo awo kapena malinga ndi msika wawo.
Ponseponse, mutha kusefa chilichonse papulatifomu ndikusankha masheya omwe mumawadalira kwambiri.
2. Ndalama zonse
Ngati simuli ochita malonda komanso munthu yemwe amangofuna kupeza ndalama zokhazikika, Mutual Funds ikhoza kukhala yomwe mumakonda. Pulogalamu ya Groww imakupatsani mwayi ndalama mu Mutual Funds mumphindi. Mutha kusaka mosavuta MF yomwe mumakonda ndipo ndizotheka kuti muipeze papulatifomu.
Mukatsegula dashboard ya Mutual Funds, mutha kusefa zomwe mwasankha. Kukula kumakupatsani ndalama zodziwika bwino za Mutual Funds ndi zina mwazosankha papulatifomu.
Mutha kusankhanso ma NFOs (New Fund Offerings) omwe amalola osunga ndalama oyambilira kutenga nawo gawo mu thumba. Ndi ndalama zosiyanasiyana papulatifomu, mutha kuzifanizira ndikusankha zomwe mumakonda.
3. Madipoziti Okhazikika
Ngakhale Groww imapereka katundu yemwe ali pachiwopsezo kwambiri, imaperekanso njira zotetezeka zopezera ndalama kwa ogwiritsa ntchito.
Mutha kugulitsa ndalama zotetezeka komanso zotetezedwa zolipira chiwongola dzanja chachikulu cha Fixed Deposits. Groww akulonjeza kuti palibe zolipiritsa zobisika pazogulitsa izi, ndipo mutha kupeza ma FD anu kuchokera kumaakaunti angapo aku banki.
Anthu okalamba amapatsidwanso chiwongola dzanja chowonjezera cha 0.5% pama FD onse aku banki.
4. US Stocks
Ichi ndiye chowunikira cha pulogalamu ya Groww. Mukhoza mosavuta gulitsani m'masheya aku US ndi chitonthozo cha akaunti yanu yomweyo. Ngati mwakhala mukufuna kuyika ndalama mu Microsoft, Apple, kapena Tesla, Kukula kuli kwa inu. Sakani ndalama mosavuta muzinthu zilizonse zaku US kudzera papulatifomu.
Akaunti yanu imatsegulidwa popanda ndalama zowonjezera pakuyika ndalama m'masheya aku US. Palibe brokerage yomwe imakhudzidwa ndi malonda aliwonse omwe mumatenga pamsika waku US. Mutha kuyika ndalama m'magawo angapo m'makampani awa.
Mukayika ndalama muzinthu zilizonse zaku US kudzera mu Groww, akaunti yanu imasungidwa ndi ViewTrade. Ndi broker wolembetsedwa ndi SEC komanso woyendetsedwa ndi FINRA wamarekodi ndi mabuku. ViewTrade imagwira ntchito ndi Apex Clearing Corporation kuti igulitse zochotsa ndi kuyang'anira maakaunti a ogwiritsa ntchito.
Phindu lina lomwe mumapeza poika ndalama m'masheya aku US kudzera mu Groww ndikuti mumapeza $10 yaulere.
5. IPO (Kupereka Kwapagulu Koyamba)
Zapita kale nthawi zomwe mumanong'oneza bondo kuti simunapange ndalama mu IPO, ndipo tsopano zidasanduka masheya ambiri. Ndi Groww, mutha kuyika ndalama mu ma IPO omwe amakhala m'misika yaku India. Yendetsani mosavuta ma IPO osiyanasiyana, werengani zolemba zonse za IPO, ndikupanga ndalama zanu.
Mumawerenganso mphamvu zonse ndi zofooka za IPO zochokera ku nsanja ya Groww. Yang'anani ndalama zawo ndi zina zonse za mbiri yakale musanayike ndalama zanu mwa iwo.
6. ETFs
Chimodzi mwazinthu zodziwika bwino zotetezedwa kupatula Mutual Funds, mutha kugula ma ETF kudzera mu Groww.
ETF ndidengu la zitetezo zomwe zimagwirizanitsidwa pamodzi. Zili ndi mawonekedwe a masheya, ma bond, ndi Mutual Funds. Mutha kugulitsa zotetezedwa izi tsiku lonse ngati masheya.
Pali matani a ETF omwe amakhala papulatifomu ya Groww. Mutha kuziwonetsa mosavuta ndikuyika ndalama mu ETF yomwe mumakonda.
7. Tsogolo & Zosankha
Ngati ndinu ochita malonda omwe amakonda kuchita malonda mu Futures & Options, ndiye kuti iyi ikhoza kukhala gawo lomwe mumakonda pa pulogalamuyi.
Groww imakupatsirani ntchito za Futures & Options komwe mutha kugulitsa mosavuta nthawi yamsika ngati nsanja ina iliyonse yobwereketsa.
8. SIPs
Ngati ndinu okonda kuyika ndalama mu SIPs, ndiye kuti Kukula sikungakukhumudwitseni. Sungani ndalama mosavuta kudzera mu SIPs za Mwezi ndi Mwezi.
Khazikitsani kuchuluka kwa SIP yanu ndi tsiku, ndipo Groww aziyika ndalama zanu pazogulitsa pamasiku omwe atchulidwa. Ndi njira yosalala kwambiri ndipo imapereka chithandizo chathunthu.
9. Sovereign Gold Bond (SGBs)
Izi ndi zina kunja kwa bokosi kuchokera ku gulu la Groww. Iwo amapereka zosiyanasiyana katundu ngati Sovereign Gold Bond (SGBs) kwa ogwiritsa ntchito ake. Ndi mbali imeneyi, mukhoza mwachindunji ndalama chuma ichi kudzera pulogalamuyi.
Ma bond awa amapereka chiwongola dzanja cha 2.5% pachaka, chomwe chimalipidwa miyezi isanu ndi umodzi iliyonse. Chomwe chimapangitsa kuti ma bond awa akhale otetezeka komanso otetezeka ndikuti amathandizidwa ndi Boma ndikukopa msonkho wa zero pakukula.
Ndi njira yabwino kwambiri yopangira ndalama ngati mukufuna kuyisewera bwino ndi ndalama zanu.
Mapulani a Groww's Brokerage
Mosiyana ndi makampani ena ogulitsa, komwe ogwiritsa ntchito amayenera kulipira AMC (Average Monthly Charge), Groww salipira chilichonse kuchokera kwa ogwiritsa ntchito. Tiye tikambirane za zolipiritsa zobweza pazochita pa pulogalamuyi.
Kubwereketsa komwe kumaperekedwa ndi mapulogalamuwa nthawi zambiri kumakhala kotsika kwambiri ndipo sikuwerengera zambiri. Komabe, mukamagula ndikugulitsa katundu wanu pafupipafupi, zimakhala zofunikira kwambiri kuyang'anira zolipiritsazi.
Kukula kumatsatira chitsanzo chokhazikika komanso chokhazikika pamalingaliro awo obweza ngongole. Imalipira chindapusa cha Rs.20 ngati wogwiritsa ntchito akutenga nawo gawo pogula Equity, Intraday Transactions, ndi Futures & Zosankha malonda. Ndalamayi ndiyenso ndalama zochulukirapo za Groww pa oda iliyonse m'magawo ake osiyanasiyana azamalonda.
Mu Equity Delivery, Groww amalipiritsa kubwereketsa pamitundu iwiri. Kapena amalipira Rs.20 pa oda kapena 0.05% ya malonda, zilizonse zomwe zili zotsika. Chitsanzochi chimatsatiridwanso pamalonda a Intraday.
Ngati mukuchita Futures & Options, ndiye kuti muyenera kulipira ndalama zokwana Rs.20 pa oda iliyonse. Kupatula izi, muyeneranso kulipira ndalama zina zowongolera ndi zolipiritsa za Demat.
Pankhani ya ma square-off okha, mumalipidwa ma Rs.50 pa oda iliyonse.
Kodi Mungagule Bwanji Pa Groww?
1. Lowani ku akaunti yanu ya Groww ndikutsimikizira akaunti yanu ndi KYC.
2. Sakani zinthu zomwe mukufuna kugula
3. Unikani tchati chamitengo mumitundu yosiyanasiyana ya Nthawi. Mutha kugwiritsanso ntchito zida ndi mawonekedwe osiyanasiyana pa tchati kuti mupeze zitsimikizo zingapo.
4. Sankhani msika (NSE / BSE) ndi mtengo wamtengo. Mtengo wochepera umakupatsani mwayi wosankha mtengo womwe mukufuna kugula masheya. Mtengo wamsika umakugulirani masheya pamtengo wamakono wa Msika. Nthawi zambiri, mtengo wa Msika ndiwofulumira kwambiri popeza ulibe nthawi yodikirira.
5. Ngati mukufuna kuwonjezera ndalama zambiri, mutha kuchita mosavuta kudzera papulatifomu.
6. Gwiritsani ntchito UPI, Net Banking, kapena Bank Transfer kuti mulipire.
7. Mukangochita izi, mudzatha kugula katundu.
8. Dziwani kuti simudzatha kugula kapena kugulitsa chilichonse pamsika ngati msika watsekedwa chifukwa cha tchuthi, kapena nthawi yamsika yadutsa(9:15 AM- 3:30 PM)
Zabwino:
- Malonda otetezedwa ndi njira zamakono zolembera
- Kugwiritsa ntchito ndalama zonse, mwachitsanzo, kumapereka mwayi woyika ndalama mu kapu yaying'ono, kapu yapakatikati, kapu yayikulu, ndi ma caps angapo pakugulitsa kwanthawi yayitali komanso kubweza kwakukulu kapena kuyika ndalama zofananira, ndalama zagolide, ndalama zapadziko lonse lapansi, ndi zina zambiri.
- Kugulitsa mwachangu pa akaunti ndikuyika kuyitanitsa kumodzi
- Mawonekedwe osavuta kugwiritsa ntchito okhala ndi mapangidwe oyera
- Palibe malowedwe osiyana a ndalama za mutual funds
- Amalola ogwiritsa ntchito kufufuza ngakhale zosungitsa zokhazikika ndikuziyerekeza ndi mabanki osiyanasiyana.
Zoipa:
- Kusapezeka kwa ndalama za IPO
- Kusowa kwamitundu yamaoda apamwamba monga madongosolo a bracket, kuyitanitsa msika, maoda pambuyo pa msika, ndi zina.
- Kusowa scanner ndi backtesting
Tengani Kwanga
Pambuyo powunikanso Kukula, nditha kunena kuti ngati ndinu oyamba m'misika yamasheya, ndikuyika ndalama, ndiye kuti muyenera kuyesa. Ndi mawonekedwe osavuta kugwiritsa ntchito, pulogalamuyi imakulolani kuti mupange ndalama mosasamala.
Komabe, ngati ndinu wamalonda wodziwa zambiri yemwe amakonda kusewera ndi ma chart amtengo, ndiye kuti mukukhumudwa pang'ono popeza pulogalamuyi ili ndi zida zochepa komanso mawonekedwe ake.
Ponseponse, Kukula ndi njira yosavuta komanso yosavuta kugwiritsa ntchito poyambira pakugulitsa ndi kugulitsa. Anthu omwe amangofuna kuyika ndalama mu SIPs, kapena masheya nthawi ndi nthawi, angakonde pulogalamuyi chifukwa cha kuphweka kwake.
Ngati muli ndi mafunso okhudza Kukula, chonde ndidziwitseni mu ndemanga.
Siyani Mumakonda