Kupeza ndalama m'dziko lamasiku ano kwakhala kofunika kwambiri kuposa kale lonse. Kuyambira omaliza maphunziro awo mpaka opuma pantchito, aliyense ali wofunitsitsa kusamalira ndalama zawo m'njira yabwino kwambiri.
Kuti njirayi ikhale yosavuta, pali osewera angapo omwe akubwera pamsika - ndipo awiri odabwitsa awa ndi Kuvera ndi ETMoney!
Mapulatifomu onsewa, ngakhale ali mumakampani omwewo, amasiyana kwambiri.
M'nkhani yathu, tifanizira magawo awiri a mutual fund ndi chuma kasamalidwe mozama kuti tiwone kusiyana ndi kufanana komwe akuyenera kupereka!
Kodi Kuvera ndi chiyani?
Kuvera ndi pulogalamu yoyendetsera chuma yomwe imakupatsani mwayi wowongolera chuma chanu.
Imatero popereka chithandizo monga kutsatira ndalama zachindunji zomwe mumayikamo, thandizo la ndalama zapadziko lonse lapansi, inshuwaransi yabanja, kutsatira masheya kuchokera kumaakaunti anu ogulitsa monga. Zerodha, golide wa digito, ma depositi osakhazikika, ndi zina zambiri.
Yakhazikitsidwa mu 2016, imathandizanso kusinthana kwa ndalama za crypto ndi ndalama za US ETF.
Pali ntchito yapadera yopereka ngongole yomwe imagwira ntchito pa ngongole mothandizidwa ndi mbiri yamunthu.
Kuvera ali pano kuti akupatseni chilichonse chokhudzana ndi zachuma pansi pa denga limodzi - kupanga zinthu kukhala zosavuta, zowongoka, komanso zachangu.
Kodi ETMoney ndi chiyani?
ETMoney ilinso nsanja yomwe imapereka zinthu muzachuma chamunthu kuphatikiza koma osangokhala ndi ndalama za SIP, ndalama zachindunji, NPS, inshuwaransi yaumoyo ndi nthawi yayitali, ndi zina zambiri.
Ndi kufewetsa ulendo wazachuma wa digito wa aliyense ku India, kukhala nsanja yomwe ikukula mwachangu kwambiri mu 2021.
Zimakupatsirani mwayi wopanga ndalama mu ma AMC apamwamba, ndalama zogwirizanitsa zero-commission, komanso kusintha zomwe mwagulitsa kale kukhala mapulani achindunji.
ETMoney imakuthandizani kuti musankhe thumba loyenera lomwe likugwirizana ndi zolinga zanu zachuma, zolinga zanu, komanso chiwopsezo chanu kuti muwonetsetse kuti mumapindula kwambiri ndi ndalama zanu.
Kuvera VS ETMoney - Kuyerekeza
Zamgululi
Kuvera
Kuvera amapereka ndalama zothandizirana, stock portfolio tracking, golide wa digito, ETFs, masheya aku US, ndi a savesmart njira yoyika ndalama zamadzimadzi ndikutsata zobweza zapachaka kuti mupulumutse zazikulu!
Zogulitsa zonse zilipo kuti muyikemo ndikutsata pazida zonse zothandizidwa ndi iOS, Google, ndi Android.
Pali mapulani angapo ogwirizana omwe mungasankhe ku Kuvera, koma achindunji okha - kuti akupulumutseni mpaka 1.5% yamakomisheni.
Pali nyumba zopitilira 40 zotsogola zamakampani kuphatikiza mayina monga SBI, TATA, Motilal Oswal, ndi ena.
ETMoney
ETMoney imapereka zinthu zingapo monga ndalama zothandizirana, NPS, ma depositi osakhazikika, inshuwaransi, makhadi a ngongole, ngongole, ndi zina zambiri - zonse pansi pa denga limodzi. Limaperekanso ntchito kwa kutsatira mabilu ndi ndalama zomwe zimakuthandizani kuti mukhalebe pamwamba pa zomwe mumagwiritsa ntchito komanso ndalama zanu.
Imakhala ndi ma ziwembu mazana, zida, ma AMCs a mutual fund, ndi zowerengera zomwe zimakuthandizani kuti mukwaniritse masewera anu kasamalidwe kazachuma.
Kuchokera ku ndalama za blue-chip, SIP calculators, ngongole mutual funds Zowerengera za CAGR ku hybrid mutual funds, mutual fund NAV mbiri ndi zina zambiri - ndi EMoney, simuyenera kupita ku nsanja ina iliyonse yokhudzana ndi chuma.
MAWONEKEDWE
Kuvera
- Zimakuthandizani kusunga misonkho kudzera mu ndalama za ELSS zomwe zimakhala ndi zotsekera zochepa komanso zochotsa mosavuta.
- Imakupatsirani dashboard yokwanira pamabizinesi anu momwe mumatha kuwona ndalama zomwe zili pamwamba kwambiri, ndalama zowombola pompopompo, mndandanda wathunthu, ndalama zosankhidwa ndi Investor, ndalama zatsopano, ndalama zopulumutsira msonkho, ndi zina zambiri.
- Kuvera kumakuthandizani kuti muchepetse kuchuluka kwa misonkho pa ndalama zomwe mumapeza pakapita nthawi ndikutulutsa ndalama zokwana Rs 1 lakh chaka chilichonse popanda msonkho.
- Zimakuthandizani kuwerengera zomwe mwapeza musanakhome msonkho, misonkho ya LTCG, ndi phindu lomwe mwapeza.
- Amapereka ntchito ya TradeSmart yomwe imakuthandizani kuti musamachite zinthu zosafunikira komanso imakuthandizani kuti musinthe zomwe zachitika kale kuti muwongolere mapulani.
- Imaperekanso machitidwe otsegulira akaunti yabanja omwe amakulolani kuti mulembetse ndi akaunti imodzi ndikuwongolera mabizinesi mubanja lawebusayiti kudzera muakauntiyo.
- Ili ndi njira yotsatirira yokha yomwe imatsata mbiri yanu yonse yokhala ndi chitetezo chokwanira.
- Kuvera amakusamaliraninso maakaunti angapo pokulolani kuti muwonjezere mlangizi wanu wazachuma ku akauntiyo ndikuwongoleredwa kudzera mumabizinesi anu.
- Khazikitsani zolinga pa pulogalamu ya Kuvera ndikuyika ndalama moyenera kuti mukwaniritse zolingazo malinga ndi nthawi yanu yomaliza
- Tumizani ndalama kwa anzanu ndi abale omwe mumayika ku Kuvera motsika mtengo, mwachangu komanso motetezeka
- Gulu lothandizira lokhazikika lakonzeka 24 * 7 kukuthandizani kuthana ndi vuto lililonse.
- Ndi alangizi olembetsa a SEBI omwe ali ndi chitetezo chofanana ndi banki.
- Mulinso chida cholondolera ndalama zakunja
- Ndi njira yoyamba yoyendetsera ndalama ku India. Popanda zoyembekezako
ETMoney
- ETMoney imakulolani kuti muzitha kuyang'anira ndalama zanu zonse munthawi yeniyeni.
- Pali spreadsheet yokwanira yomwe imakuuzani zonse za ndalama zanu komanso ndalama zomwe mwayika pachinthu chilichonse.
- Zida ndi zowerengera zimakuthandizani kuti muchepetse kuwerengera zofunika pazachuma zanu.
- Sichifuna zambiri za akaunti, ndipo mapasiwedi amapereka chitetezo cha banki
- Ndizowonekera ndipo zimakudziwitsani za chilichonse moona mtima kudzera pazowunikira zomwe zingatheke.
- Sinthani ndalama zanu ndi 100% zokha
- Simaphatikizirapo mawu aliwonse pakupanga, kupangitsa kuti ikhale yosavuta komanso yachangu ngakhale kwa oyamba kumene
- Konzani ndalama zanu, ndalama, mabilu, ndi mabilu anu popanda kulowetsamo zanu. Mulinso opitilira 10 ofunikira omwe amakuthandizani kuwerengera ndikusanthula ma SIP anu, kuchuluka kwake, HRA, NPS, CAGR, pawiri, ndi chidwi chosavuta, ndi zina zambiri.
- Palinso kubwerera kwakanthawi kochepa, mgwirizano wapachaka. Kubweza ndalama, kubweza kwa nthawi yayitali, ndi mutual fund yowerengera mwezi uliwonse.
- Chiwopsezo cha magwiridwe antchito, mutual fund NAVs, ma NAV akale, ndi kufananitsa thumba ndi zida zina zomwe EMoney ikupereka.
- Amapereka njira zolipirira zosinthika
- Malo ovomerezeka kwambiri ndi CRISIL FAAA ndi ICRA MAAA
- Kubweza kwakukulu kuposa mabanki, kutsimikizira mpaka 7.05% pa FDs
- Kuzungulira koloko kasitomala
- Amapereka chiwongolero chaulere mumasekondi 30
ZOKHUDZA
Kuvera
Kuvera ili ndi gawo lodzipatulira lomwe limapatsa owerenga nkhani ndi upangiri wazachuma. Kuchokera pakuwongolera maakaunti, ma SIP mpaka kujowina maakaunti, ndi zina zambiri - mupeza china chilichonse pagawo lawo labulogu.
Zolembazi ndizothandiza kwambiri kwa oyamba kumene komanso zimathandiza akatswiri azachuma kukhala amphamvu kwambiri pamasewera awo azachuma. Mutha kupeza nkhani zonse zachuma ndi maphunziro pa Kuvera ndikudina kamodzi!
ETMoney
Chapadera chokhudza ETMoney ndikuti ndi zinthu zake zonse, imaperekanso chidziwitso chokhudza malonda.
Ngati simukudziwa kuti RD ndi chiyani koma mukufuna kudziwa zomwezo ndikuyika ndalama, ndizotheka ndi ETMoney.
Nthawi zonse mukadina chinthu chilichonse pa ETMoney, mudzauzidwa kaye kuti ndi chiyani, mapindu ake, ndi mtundu wanji wamalonda omwe akuyenera kuyikamo.
Izi zimathandiza osunga ndalama kupanga zisankho pazamalonda omwe samazidziwa komanso zimawathandiza kuphunzira zambiri zachuma tsiku lililonse.
Osati zokhazo, komanso amapereka gawo lodzipatulira la blog lomwe likufuna kudziwitsa, kuphunzitsa ndi kudziwitsa anthu zonse zomwe akufunikira kuti adziwe zokhudza ndalama.
Kuphatikiza apo, zida ndi zowerengera zomwe ETMoney ikuyenera kupereka ndizothandiza kwa aliyense wogwiritsa ntchito.
USER INTERFACE NDI ZOCHITIKA
Kuvera
Kuvera ali ndi mawonekedwe osavuta komanso oyera ogwiritsa ntchito, opatsa ogwiritsa ntchito chidziwitso chosavuta kudutsa Kuvera.
Zimabwera ndi kutsimikizika kwazinthu ziwiri kuti mutsimikizire chitetezo ndikulumikiza maakaunti anu akunja ndikudina kamodzi.
Izi zimapangitsanso kukhala ochezeka, chifukwa sichigwiritsa ntchito mawu aukadaulo kuzungulira pulogalamuyi.
Zogulitsa zonse zili ndi tsamba lodzipatulira, ndipo ngakhale zida zenizeni ndi zowerengera zonse zimatchulidwa m'njira zosavuta kuzimvetsetsa popanda chisokonezo.
Mawonekedwe oyera a ogwiritsa ntchito amatsimikizira kuti chidziwitsocho sichingadye kwambiri koma ndi chokwanira kuti munthu amve kuti akuchita bwino mkati mwa mphindi zingapo zoyambirira powerenga zomwe zili.
ETMoney
Timakonda kwambiri mawonekedwe a ETMoney chifukwa chakukwanira koma kosavuta kumvetsetsa.
Zimabwera ndi masamba omangidwa omwe amaperekedwa ku chinthu chilichonse ndi ntchito, zomwe sizimangonena za mankhwala koma zimaphunzitsa wogwiritsa ntchito.
Tsamba lililonse limakhala ndi zomwe mankhwalawo ali, phindu lake, chifukwa chake munthu ayenera kuyikamo ndalama, ndi zina zambiri.
Ngakhale zowerengera zimabwera ndi zowunikira, sizovuta kuzimvetsetsa ndi ogwiritsa ntchito oyamba kumene.
Zili bwino ngati ndinu munthu wamba pantchito yazachuma chifukwa ETMoney sagwiritsa ntchito luso lililonse, ndipo ngati itero, imatsimikizira kukuphunzitsani za izi musanapite patsogolo.
Chilichonse pa ETMoney chimadzifotokozera chokha, kupatsa osunga ndalama mwayi wodabwitsa wogwiritsa ntchito.
YABWERERA
Kuvera
Kuvera imatsimikizira kubweza kopitilira 6% pama depositi osakhazikika, apamwamba kuposa omwe mabanki ambiri amapereka.
Komanso, zimawonjezera kubweza kwanu ndalama mu mutual funds, masheya, ma ETF, ndi zinthu zina posiya ntchito zilizonse zomwe zikuchitika.
Mutha kupeza phindu lalikulu mu index ya equity popanga ndalama m'makampani omwe a Kuvera akuwonetsa ndikusangalala ndi njira yake.
Mwanjira iyi, Kuvera imakuthandizani kugawa ndalama zanu mwanzeru mungongole zonse komanso zolingana kudzera mu thumba limodzi, kukulitsa kubweza kwanu ndikuchepetsa kutayika.
ETMoney
ETMoney imakuthandizani kuti mupeze ndalama zopitilira 1% kuposa zomwe mumapeza kuchokera kumabizinesi kudzera mu mfundo zawo za 0%.
Imakupatsirani kubweza kwa 20% kwazaka 5 pazogulitsa zake za SIP pokuthandizani kusankha thumba loyenera lazolinga zanu zogulitsa.
Kupyolera mu ndondomeko ya penshoni ya dziko la ETMoney, mutha kusunga mpaka Rs 62,400 pamisonkho chaka chilichonse. Osati zokhazo, zimapereka kubweza kwa 7.05% pamadipoziti okhazikika, omwe ndi apamwamba kuposa omwe banki iliyonse ku India imapereka.
Ngongole
Kuvera
Kuvera amapereka ngongole kwa ogwiritsa ntchito motsutsana ndi ndalama zawo zamutual fund.
Mutha kubwereketsa mpaka 80% pamtengo wamsika wamutual fund wa Kuvera pa digito pasanathe mphindi zitatu. Kuvera adayambitsa ntchitoyi kuti apatse ogwiritsa ntchito ndalama nthawi yomweyo.
Chiwongola dzanja chomwe chilipo pa ngongoleyi ndi chotsika kuposa makhadi ambiri a ngongole komanso chiwongola dzanja chomwe chilipo m'dzikolo.
ETMoney
ETMoney imapereka ngongole zaumwini ndi chiwongola dzanja chomwe chimayambira pa 11.99% ndikusiyana malinga ndi kuchuluka kwa ngongole. Wogwiritsa atha kutenga ndalama zokwana 20 lakh rupees ngati ngongole kuchokera ku ETMoney ndi chiwongola dzanja cha 0.75% mwezi uliwonse ngati sabwezeredwa munthawi yake.
PRICING
Kuvera
Pulatifomu ya Kuvera ndi yaulere kugwiritsa ntchito ndikutsitsa. Simafunika ndalama zobisika kapena ma komisheni nthawi iliyonse mukagulitsa malonda.
Nthawi zina, Kuvera amapereka ndalama zachitsulo mukawatumiza kwa bwenzi, ndipo pobwezera, mutha kupeza ntchito zawo zokhazokha polipira ndalamazo.
Ngati anzanu (abwenzi) omwe mudawatumiza kuti agwiritse ntchito ndalama zoposa Rs 5,000 kudzera Kuvera, pulogalamuyi imakupatsani golide wa digito wa Rs 201!
ETMoney
ETMoney ndi pulogalamu yaulere yomwe mutha kutsitsa popanda ndalama zobisika.
Zida zonse, zowerengera, ndalama, ndi zowombola ndi zaulere kugwiritsa ntchito.
Zowerengera zimabwera ndi kusanthula kwatsatanetsatane kwandalama zonse zomwe mumayika, ndikukupatsani chidziwitso chofunikira pazachuma chanu osawononga ngakhale khobiri limodzi.
Kutsiliza
Mapulogalamu onsewa ali ndi mawonekedwe awoawo ndi mautumiki omwe ali othandiza kwa oyika ndalama omwe akufuna thandizo lazachuma.
Ngakhale Kuvera imapereka chithandizo chowongolera chuma komanso ngongole yofikira 80% ya ndalama zanu zonse, ETMoney ili ndi zida zandalama komanso ndalama zosungira msonkho.
Popeza mapulogalamu onsewa ndi aulere kugwiritsa ntchito, ndikofunikira kuyesa kuwona zonse ziwiri!
Ngati mudasangalala ndi nkhaniyi, ndikupangira kuti muyang'ane nkhani yathu Mapulogalamu 5 Apamwamba Ogulitsa Ku India kwa Oyamba.
TechyList
Ndikuganiza Kuvera ndikwabwino kuyika ndalama chifukwa imapereka chiwongola dzanja chokwera kuposa ETmoney.