Ndalama zogwirizanitsa ndi njira yabwino kuti oyamba kumene ayambe kugulitsa ndalama, koma kodi mumadziwa kuti makampani ambiri a mutual fund ali ndi katundu wotuluka omwe angadye zomwe mwapeza?
"Kutuluka" ndi mawu osokeretsa pang'ono. Si ndalama zomwe mumataya ngati mutatuluka, koma ndalama zomwe mumataya ngati mutayika Potulukira isanakwane.
Ndikofunikira kuti monga Investor mukudziwa momwe mungachepetsere kuchuluka kwa ndalama zomwe mumapeza chifukwa izi zikuthandizani kuti musunge ndalama ndikupeza ndalama zambiri pazogulitsa zanu.
Mu positi iyi, tikambirana za momwe mungachepetsere kuchuluka kwa ndalama zomwe zimatuluka kuti muthe kupanga zisankho zabwino zazachuma.
Koma choyamba, tiyeni timvetsetse kuti katundu wotuluka ndi chiyani, chifukwa chiyani amalipidwa, amasiyana bwanji ndi chiŵerengero cha ndalama, ndipo potsiriza, momwe tingachotsere.
Kodi Exit Load ndi chiyani?
Zotuluka ndi zochotsera zomwe mumapeza mukamawombola ndalama zonse.
Makampani a Mutual Fund amachotsa katundu wotuluka pamtengo wanu Msungidwe ndiyeno ndikupatseni malire. Ndalama zambiri zomwe zimagwirizanitsa zimakhala ndi katundu wotuluka, koma ena alibe.
Mwachitsanzo, ngati muli ndi ndalama zokwana 1 lakh equity mutual fund ndalama, ndipo kampani ya thumba ili ndi ndalama zotulukamo imodzi, mudzalandira Rs 99,000 pakuwomboledwa.
Tulukani Katundu pa SIP
Lingaliro lakutuluka mu SIPs limasokoneza osunga ndalama ambiri. Ndiroleni ndikuthandizeni kumvetsa bwino.
Otsatsa amakhulupilira kuti ngati atayamba SIP chaka chapitacho, sadzalipidwa katundu ngati agulitsa ndalamazo mkati mwa nthawi yomwe yatchulidwa. Komabe, osunga ndalama ambiri amalakwitsa.
Katundu wotuluka pa SIP ndi wofanana ndi wa ndalama zina zonse. Nthawi yotsekera iyenera kumalizidwa gawo lililonse la SIP kupewa katundu wotuluka.
Chitsanzo: Ngati mwakhala mukupanga ndalama kwa zaka zitatu, mwachitsanzo, 36months. Ngati pali nthawi yotsekera kwa chaka chimodzi, mudzatha kuwombola SIP yanu pa mwezi wa 48 popanda kubweretsa katundu wotuluka.
Chifukwa chiyani katundu wotuluka amalipidwa?
Chifukwa chachikulu ndikuletsa osunga ndalama kuti asatenge ndalama zawo pafupipafupi. Ndalama zogwirizanitsa kuyika ndalama m'masheya ndi mgwirizano wamakampani. Woyang'anira thumba ayenera kugulitsa ndalama zake mukachotsa ndalama zanu ndikukupatsani ndalamazo.
Izi zitha kubweretsa kutayika kwakukulu kwa osunga ndalama ena omwe ali mumutual fund. Chifukwa chake, ma AMC amalipira ndalama zochepa mukachotsa ndalama zanu.
Ndalama zomwe zimagwirizanitsa zimalipira katundu wotuluka pochotsa ndalama m'thumba nthawi yotsekera isanakwane.
Izi ndi kufooketsa osunga ndalama kuti asatuluke m'thumba nthawi isanakwane komanso kuwonetsetsa kuti woyang'anira thumba ali ndi ndalama zokwanira kuti azitha kuyang'anira ma mutual fund schemes.
Kodi Kutuluka kwa katundu kumasiyana bwanji ndi kuchuluka kwa ndalama?
Poyamba, tiyeni timvetsetse momwe mutual fund imagwirira ntchito. Ndalama zogwirizanitsa zimakhala ndi mbiri yachinsinsi komanso kampani yoyang'anira katundu (AMC) yomwe imayang'anira.
AMC imayika ndalama zanu m'nyumba zawo kapena ma ziwembu ogwirizana ndikubweza ndalamazo.
Tsopano, zobwerera izi zikhoza kukhala mu mawonekedwe a gawoli malipiro kapena kubwezeredwa kwa magawo kutengera kusankha kwanu. Ma AMC awa amakulipirani chindapusa pakuwongolera ndalama zanu ndipo chindapusachi chimadziwika kuti chiŵerengero cha ndalama.
Zonse Zotuluka Katundu ndi Ndalama Zolipiridwa ndi ndalama zomwe zimaperekedwa ndi mabungwe achuma ndipo ndi gawo la dongosolo lanu la NAV (Net Asset Value). Amakhudza zobwezera zanu m'njira zosiyanasiyana, komabe.
Mtengo wotuluka ndi chindapusa chomwe mwapatsidwa ngati muwombola ndalama zanu pakapita nthawi kuchokera tsiku lomwe mwagulitsa. Ngati simulabadira kusindikiza bwino, zitha kukhala zovuta kwambiri pakubweza kwanu.
Chiŵerengero cha ndalama ndi ndalama zapachaka zomwe zimawononga ndalama zonse zomwe zimaperekedwa ndi thumba la ndalama, kuphatikizapo ndalama zoyendetsera ntchito, ndalama zogawa, ndi malipiro a oyang'anira thumba.
Mosiyana ndi katundu wotuluka, yemwe amalipidwa pakuwombola, ndalama zolipirira ndalama zimaperekedwa chaka chilichonse malinga ngati mukhalabe ndi ndalama zina.
Kutuluka kwa katundu kumachokera ku Nil kufika pa 6%, pamene chiŵerengero cha Ndalama chimayambira 0.5% mpaka 2.5%.
Ndipo potsiriza, momwe mungatsitsire kapena kuchotsa Kutuluka Katundu?
Ngati mukufuna kudzipulumutsa nokha katundu wotuluka, nazi machitidwe omwe mungatsatire:
1. Khalani ndi ndalama kwa nthawi yayitali:
Pogwiritsira ntchito ndalamazo kwa nthawi yayitali, zotsatira za kusakhazikika komanso kuopsa kwa msika zimachepetsedwa, zomwe zimapangitsa kuti abwerere bwino.
Mukakhala pachibwenzi kwa nthawi yayitali, mudzatha kupindula ndi kukula kwa magawo ndikuchepetsanso kusuntha kwa msika.
Chofunikira kwambiri, Zotuluka Zotuluka zidzachotsedwa.
Pazolinga zanthawi yochepa, mutha kuyika ndalama muzanthawi kochepa zamadzimadzi kapena Ma depositi Akubanki kuti muchotse Zotuluka.
2. Chiwembu cha Mutual Funds popanda katundu wotuluka:
Ngakhale ndalama zina zomwe zimagwirizanitsa zimakhala ndi katundu wotuluka pamakonzedwe onse, palinso ena omwe alibe katundu wotuluka pamagulu awo ochepa.
Choncho sankhani mwanzeru!
Nawu mndandanda wazinthu zina za Mutual Fund zopanda Kutuluka:
- Ndalama ya Edelweiss Diversified Growth Equity Fund
- Ndalama ya Quantum Long Term Equity Fund,
- TATA Contra Fund,
- DWS Alpha Equity,
- HDFC Index Sensex Plus,
- JM Nifty Plus, ndi
- DWS Investment Mwayi.
3. Onani nthawi ya ndalama zanu
Ngati chiwongolero chanu chachuma ndi chanthawi yayitali, ndiye kuti mutha kupita patsogolo ndi chiwembu chilichonse.
Komabe, ngati ndalamazo ndi zazifupi, thumba la ngongole kapena thumba la madzi ndi njira yabwino chifukwa imapereka ndalama zambiri, chitetezo, ndi chiopsezo chochepa.
Yang'anani machitidwe onse osatuluka-katundu omwe alipo ndikusankha yomwe ikugwirizana bwino ndi nthawi yanu yogulitsa.
4. Yang'anirani Ndalama Zogulitsa Zosayembekezereka
CDSC ndi chiwombolo kapena ndalama zotuluka zomwe nyumba zina za thumba zimalipira kwa osunga ndalama omwe amawombola mayunitsi awo mkati mwa nthawi yokhazikitsidwa kuyambira tsiku lomwe adagawira.
Mwachitsanzo, mwayika ndalama mu thumba la CDSC la 2,1,0. Zimatanthawuza kuti katunduyo adzakhala 2% ngati mutatuluka chisanafike chaka, ndipo 1% ngati atakhala nthawi yaitali kuposa chaka koma amachoka zaka ziwiri zisanakwane. Mumakhala ndi thumba kwa zaka zoposa ziwiri ndipo simukulipira katundu.
Chifukwa chake, mutha kuyang'anira chaka pansi pa CDSC musanawombole ndalama zanu kuti muchepetse Kutuluka.
5. Pewani Kusintha pafupipafupi kwa MF Schemes:
Ngati mukufuna kusintha kuchokera ku chiwembu china kupita ku china mkati mwa thumba lomwelo, ndiye kuti muyenera kulipira katundu wotuluka. Mtengo wotuluka umalipidwa ngati muwombola kapena kusintha mayunitsi kuchokera kudongosolo mkati mwa nthawi yodziwika, nthawi zambiri mpaka chaka chimodzi.
Komanso, pali nthawi zina pomwe katundu wotuluka amachotsedwa ngakhale mutawombola mayunitsi chaka chimodzi chisanathe. Mwachitsanzo, ngati ziwembu ziwiri kapena zingapo zochokera ku kampani imodzi ya thumba ziphatikizana, kapena ngati dongosololo lithetsedwa.
Kutsiliza
Kutuluka kwa katundu sikumangokutetezani kuti musagulitse msanga komanso kukhala ngati cholepheretsa oyang'anira thumba kuti achitepo zoopsa chifukwa cha ziwopsezo zakuwombola.
Mutha kuganiza kuti equity mutual funds popanda katundu wotuluka idzakhala yabwino kuposa omwe ali ndi katundu wotuluka. Koma zimatengera nthawi yomwe mukuyika ndalama mu equity mutual funds.
Pomaliza, ndikufuna kunena kuti ndalama zanu ziyenera kutengera zolinga zanu komanso kugawa katundu wanu.
Ngakhale ndalama zopanda zotuluka zimatha sungani ndalama, chirichonse sichiyenera kuwonedwa kuchokera kumalingaliro ochepetsera mtengo. Kukwaniritsa cholinga chanu ndi gawo lofunika kwambiri pazachuma.
Wodala ndalama!
Siyani Mumakonda