Tech ndiyo kiyi yekuyera, chero chinhu.
Imwe yedzakakosha nzira tekinoroji inobvumira kuyera ndeye kuburikidza otomatiki. Tiri kurarama munguva, yatinogona kushandisa maapplication echizvino-zvino uye nekuisa mari yedu nekudyara pa autopilot kuitira kuti varambe vachikura kana tisina hanya nesu.
Ndanga ndichiita otomatiki makuru ebhizinesi rangu uye hupenyu kwenguva yakareba.
Kubva pandakatanga kuita mari, ndanga ndichitsvaga nzira dzakasiyana dzekugonesa uye nekuita mabestries angu, kuchengetedza, uye mari. Kunyangwe bhajeti.
Mabhenefiti ekugadzirisa mari yako akawanda, asi zvese zvinouya pasi zvinhu zviviri zvitatu:
- Hauzofanire kuisa mari muzvinhu zvakasiyana nemaoko mwedzi wega wega. Zvichaitika zvoga. Izvi zvinoreva zvakare kuti unobvisa chero mikana yekusadyara mune chero mwedzi wakapihwa kana kushandisa zvakanyanya bhajeti yako. Uyezve, iwe unenge uchisiyanisa zvakakwana kuti uderedze kusagadzikana kubva kune yako portfolio yekudyidzana kana ukatevera gwara iri.
- Iwe "uchagara" uchiwiriranisa kana kupfuura musika - nekuti hausi kuyedza kutora nguva nekurova musika.
- Hapana chikonzero chekuda kana chirango. Unogona kunakidzwa nehupenyu hwako, ita zvaunoda pane kunetseka nezvemusika. Hazvizodi kutariswa kwako kana kupinza.
Muchinyorwa chino, ini ndichafamba iwe kuburikidza yakapusa nhanho-ne-nhanho otomatiki zano rekuita otomatiki yako yekuchengetedza uye mari yekudyara.
Ndakachengeta gwara iri rakapfava. Kunyangwe iwe uine zero ruzivo, isingasviki awa yekuzvisarudzira svondo rega rega, unogona kuita iyi otomatiki yese uye kugadzirisa mari yako.
Ndinogona kuvimbisa kuti uchakwanisa kuchengetedza uye kuisa mari yakawanda kupfuura yawaiita kare nekutevera zano iri.
Pamberi pe otomatiki,
Isu tichagadzirisa zvakakosha kutanga.
Danho 1: Gadzirisa Akaunti Yako Yebhangi
Kune akawanda egimmicky bank account anopiwa nemabhangi akazvimirira muIndia.
Ndiri kutaura nezve zvinofarirwa neHDFC Classic Or Kotak Privy League.
Aya maakaundi ekubhangi anoda kuti iwe uchengetedze yakakwira yakaderera-avhareji chiyero, pamwedzi kana kota. Izvo hazvina musoro zvachose kana iwe uchikwanisa kuwana "nani" pasina kusiya murwi wemari.
Kunze kweICICI Ropafadzo, ini handingakurudzire kusarudza chero yakakwira-net-yakakosha bank account muIndia.
Kunyanya HDFC classic.
Kana uchiri kusungirwa kuchengeta chero inodarika zviuru makumi maviri nezvishanu muakaundi yako yekubhangi, unoda shanduko.
Nekuti handidi kuti unzwe kutya kushandisa mari yako wega kana kubhadhara mari yakawanda kana ukasarudza kuishandisa.
Saka, mune ino nhanho yekutanga, isu tichasarudza yakaderera-mutengo webhangi account, asi kwete zero-balance. Kazhinji, zero-mareji maakaundi anouya nemari yakavanzika, saka ita shuwa kuti hausi kusarudza Kotak 811.
Ndinokurudzira kusarudza:
- IndusInd Indus Ropafadzo Savings Account - pamwe iyo yakanakisa account, haizovi yakavanzika muIndia.
- ICICI Goridhe Ropafadzo - Kana iwe uchida kumba-kubhengi, basa rekutanga pabazi, hapana muripo pakutamisa, maATM, mabhuku echeki, uye DD, iyi ndiyo yakanakisa account. Unogona kuwana Payback mapoinzi pa Debit Kadhi mari. Hapana forex mari.
- Neo bank – Fi.Money. Chokwadi, kana iwe uri mumwe munhu anobhadharwa uye ari pasi pemakore makumi matatu, Neo mabhangi anokupa iyo yakanyanya kunaka sevhisi, pasina muripo, uye matani emari yekudzosera / mibairo.
Maakaundi matatu ekubhangi ari pamusoro - haakubhadharise pane yega yega IMPS transaction, forex transaction, ATM kugadzirisa kunzwa, uye dzimwe mhosva dzakavanzwa semubhadharo wekadhi rako kurambwa paATM. NeICICI Bank, hukama hwako nebhangi rako nekufamba kwenguva huchakubatsira iwe kuwana mareti echikwereti akakosha zvakare.
Kotak Mahindra Bank zvakare isarudzo huru, asi vanobhadharisa dzimwe mhosva dzisina musoro. Uye ivo vanoramba vachiwedzera nzira nyowani dzekuchaja vatengi.
Kana uri kushandisa bhangi rePSU, rakadai sePNB kana BOI seakaundi yako huru yebhangi, chinja kubhengi riri nani seICICI, IndusInd, kana kunyange Kotak.
Uri kutopa mari yako kune vanokwereta veNPA mahara.
Mabhangi ePSU ane maapplication ekare (kunze kweSBI), yakashata zvakanyanya sevhisi yevatengi, uye hapana mabhenefiti ekuva mutengi akanaka (zvakare, kunze kweSBI).
Kune zvachose zero zvikonzero kuti usarudze avhareji yeavhareji yemabhangi maakaundi ebhangi.
Kana wangogadzirisa account yako yekubhangi, ngatienderere mberi kune danho rekutanga re automation - kugadzira homwe yekukurumidzira.
Danho 2: Yako Emergency Fund
Mamiriro akaita sedenda reCOVID muenzaniso wakanaka kutsanangura pfungwa uye kukosha kweEmergency Fund.
Ngatiti iwe uri mushandi anobhadharwa uye kana kuvharika nekuda kwedenda muna 2020 kunoitika, unorasikirwa nebasa rako.
Kana usina homwe yekukurumidzira, uye ukarasikirwa nebasa rako, unodyiswa. Ndomatauriro andaiita.
Nekudaro, kana uine homwe yekukurumidzira, unogona kukurumidza kuenderana nemabhiri ekushandisa, kubhadhara rendi, uye kubhadhara zvimwe zvakakosha - uchitsvaga dzimwe nzira dzekutanga kuita mari.
Uye zvakakosha kuti unzwisise, mari yako yekudyara mune ino mamiriro haaonekwe seako homwe yekukurumidzira. Vanobatwa nemusika. Zvimwe zvezvitoro zvako zvakaderera kupfuura 60% uye mutual fund yako inogona kusabvumira kubvisa nekuda kwenhamba dzekutengesa-pamusoro.
Uyezve, paunotora mabheti ekudyara kwenguva refu, haudi kuita mari kubva pazvinhu izvi munguva pfupi. Unopedzisira watora kurasikirwa uye kubhadhara mitero pamusoro payo.
Ndiwo muenzaniso mumwe wakapfava wekuti sei homwe ye emergency yakakosha. Unogona kufunga nezve zana dzakasiyana siyana paunoda mari, izvozvi uye kana ukasadaro, zvinhu zvinogona kushata.
Homwe yechimbichimbi, netsanangudzo, imari yakawanda yaunochengeta padivi paunogona kuiwana nekukasira. Iwe unofanirwa kutora mari kubva kune yako emergency fund chete kana uchinyatsoda kune, uye kwete kune chimwe chinhu.
Iwe hautange kuisa mari kusvika wava nehomwe yechimbichimbi.
Ndizvo.
Zvakanaka, iwe waizoverenga kurudziro yemvura mutual funds senzvimbo yakachengeteka yekumisa mari yako yekukurumidzira.
Chimwe chezvikonzero chandisingakurudzire kusarudza Mari dzeChikwereti sehomwe yekukurumidzira, haina kuchengetedzeka sebhangi rako, kunyangwe yakachengetedzwa zvakanyanya kubva mukusagadzikana uye kuchinja kwemusika.
Uye iyo pfungwa yese yekuve nehomwe yekukurumidzira iri kuwana vimbiso yekuwana mari paunenge uchiida. Kwete muzuva, kana maawa makumi mana nemasere, pari zvino.
Ndosaka tichizochengeta mari yedu yechimbichimbi muakaundi yekuchengetedza.
Sei uchichengeta account?
Iwe unogona otomatiki kutumira kwemari kuti ukure yako emergency fund. Iwe unowana kuchengetedzwa kwebhangi. Iwe unowana mubereko pamusoro pazvo, uyezve, inowanikwa nyore nyore pasina chero muripo. Iko hakuna mitoro yekubuda, mutero wekuwana, kana 48-awa yekumirira nguva kuti uwane mari yako.
Chinhu chinonyanya kukosha - unoda kurangwa. Iwe unofanirwa kuve nechokwadi kuti haubate homwe yako yekukurumidzira kunze kwekunge uchifanirwa kuita.
Kuchengeta homwe yako yekukurumidzira muakaundi yekuchengetedza zvakare kunoita kuti iwanikwe nyore. Zviri nyore zvekuti munhu asina misimboti uye hunhu hwakasimba anogara achibvisa kubva kune yavo emergency fund.
Iwe haufaniri kuita izvozvo.
Yakawanda sei yaunofanira kuisa muhomwe yako yekukurumidzira mwedzi wega wega?
Pane nzira yekuverenga kuti imarii yaunofanira kuva nayo mumari yako yekukurumidzira.
Heino online emergency emergency fund Calculator yandakakuvakira iwe.
Kuti uiverenge, tanga waongorora kuti imarii yaunoshandisa pamwedzi. Kufungidzira kwaizoshanda. Haufanire kuve wakananga.
Ngatitorei ₹ 100,000.
Kana mari yangu yepamwedzi iri ₹ 100,000, zvakanaka ndinofanira kunge ndiine mari yakakwana muhomwe yangu yekukurumidzira kuvhara kusvika kumwedzi mitanhatu yemubhadharo.
Ini ndinoda angangoita ₹ 6,00,000 mune yakaparadzana saving account sehomwe yangu yekukurumidzira.
Ini ndinochengetedza zvakanyanya, saka ndingangoda kuwana inosvika ₹ 1,200,000 muakaundi yangu yekuchengetedza. Kungove parutivi rwakachengetedzeka uye kunze, ndinoda kuve nemari muruoko.
Iri rudo rwemari ndicho chimwe chezvikonzero chikuru zvandakakwanisa kushandisa pakuparara kwaKurume 2020 - kuwana zvibvumirano zvakaita se ₹690 paavhareji yeInfosys. Dai ndisina mari, waizova mukana kamwe-mu-mumakore gumi wandakanga ndapotsa.
Saka, kunyange iwe ukanzwa Ray Dalio achiti mari imarara, rangarira kuti anowana dziva hombe remari kota yega yega yekuisa mari. Akapfuma mari. Uye unofanira kudaro.
Maitiro ekuseta Yako Emergency Fund
Ini ndinokurudzira kusarudza saving account mubhangi senge:
- ICICI - Yakanakisa sarudzo, unogona kushandisa iWish chinangwa-yakavakirwa dhipoziti chirongwa.
- Kotak Mahindra Bank - Yakakwira-yemubereko, sezvo iwe usiri kushandisa yako mari yekukurumidzira kuita zvezuva nezuva kutengeserana, haufanirwe kunetseka nezve mhosva dzavo.
Kana uri kusarudza Kotak Savings Account kuti umise homwe yako yechimbichimbi, gadzira rairo yakamira kubva kuakaundi yako yemuhoro kana bhizinesi rako/akaundi yazvino kuti uendese inokwana gumi muzana yemari yaunowana kuakaundi yehomwe yekukurumidza.
Iwe unongofanirwa kuita izvi kusvika wawana mari yakakwana muhomwe yako yekukurumidzira kukutsigira kwemwedzi mitanhatu kusvika gumi nemiviri yenhamo.
Kana iwe uchisarudza iyo ICICI bhengi rekuchengetedza account, sarudza yakaderera account account. Iwe haudi fancy account yechinangwa ichi. Hazvina musoro kubhadhara mubhadharo wekuchengetedza chiyero chidiki.
Chikamu chakanakisa chekusarudza ICICI bank saving account iWish deposit scheme.
Iyi ndiyo nzvimbo yakanaka yekupaka yako emergency fund. iWish deposits inobatsira iwe kuchengetedza mari yepfupi kusvika yepakati-temu zvinangwa.
Sezvo iri dhipoziti chirongwa, iwe zvakare unowana mukana wekuwana mubereko pane yako emergency fund.
Uye inguva pfupi, isina-kuzvipira chirongwa, saka hausi kuzobhadhara chero muripo nekubvisa kubva kuWish account yako.
Gadzira iWish deposit account nekupinda muICICI net banking dashboard yako.
Ipa yako iWish dhipoziti "Emergency Fund" uye otomatiki mari yako yepamwedzi pano.
Zvakare, tanga nekutamisa 10% yemari yako kune iyi iWish deposit account. Negumi muzana yemari yaunowana ichienda kuakaundi iyi, unozokwanisa kusvika pachinangwa chehomwe yako yechimbichimbi nekukurumidza.
Kana uchikwanisa kubhadhara mari yako yese yekukurumidzira mune imwe kutamiswa, ita. Uye enda kunhanho inotevera.
Kana, ramba uchiisa mwedzi wega wega kusvika wasvikako.
Kana wangogadzirisa homwe yako yechimbichimbi, ngatienderere mberi kune danho rechitatu rekugadzirisa mari dzako.
Nhanho 3: Kumisikidza Mari Yako Yemudyandigere + Ngatichengetedzei Imwe Mutero!
Nhanho inotevera ndeyekugadzirisa mari yako yemudyandigere.
Kuchengetera pamudyandigere kune mabhenefiti maviri makuru:
- Iwe unovaka corpus yehupfumi yedanho rehupenyu hwako kana iwe uchingoda kuzorora, kudzoka shure uye kutonhora kumwe kunhu. Kana iwe uchibhadharwa, ichi chakakosha danho rezvemari sekuvaka homwe yechimbichimbi. Nekuti unenge usiri kushanda kana iwe uri mumakumi matanhatu.
- Iwe unowana kuchengetedza mutero.
Nekukurumidza iwe paunotanga kupa mupiro kuhomwe yako yemudyandigere, hupfumi hwakawanda hwauchaunganidza kana wasvika makumi matanhatu ako.
Kuti ndikupe mamiriro, ndakatanga account yangu yeNPS pandakangorova 18 (ndanga ndiri kuita mari paIndaneti kubva ndaiva nemakore 17). Ndisati ndawana account yangu yeDemat.
Dai ndakatanga account yangu yeNPS makore maviri gare gare pazera re20, ndingadai ndakarasikirwa nemacrores mashoma kubva kune yangu retirement corpus.
Kune matatu emari dzemudyandigere ini ndingakurudzira kune wese munhu:
- NPS - Yakanyanya kukosha.
- PPF - Mipiro isina mutero yakakwana, mubereko uye huwandu hwekukura.
- ELSS mutual funds - Kudzoka kwakakwirira uye mari shoma yakawedzerwa yemutero.
Pamasarudzo matatu ari pamusoro, ndinokurudzira. kutanga neNPS account, kozoita PPF, uye pakupedzisira kuisa mari muELSS mutual funds.
Akaundi yeNPS (National Pension Scheme) idanho rinotsigirwa nehurumende kuti vagari vakaita sewe neni vatange homwe yemudyandigere. NPS inoshanda sechirongwa chepenjeni chakajairwa - unodyara kusvika wava nemakore makumi matanhatu uye kana wangosvika ikoko, unobhadharwa annuity mwedzi wega wega.
Imarii yauchabhadharwa mwedzi wega wega semudyandigere kana wasvika makore makumi matanhatu, zvinoenderana nezvinhu zvitatu:
- Unotanga nekukurumidza sei kupa kuaccount yako yeNPS?
- Unoita marii mugore?
- Imarii yaunowana pakudyara kwako kweNPS?
Saka tanga kupa kune yako NPS account nhasi uye uione ichikura gore rega rega.
Nzira yekuvhura account yeNPS?
Ini ndinokurudzira kuvhura account yako yeNPS kuburikidza nebhangi rako, kunyanya kana uri ICICI, IndusInd, Kotak kana HDFC mutengi.
Zvimwe, iwe unogona zvakare kusarudza iyo NPS account nekushanyira iyo yepamutemo NSDL webhusaiti pano. (Yakananga Link kuNPS Registration).
Kune zvikamu zviviri zveNPS:
- Tier 1 - Iyi ndiyo yauchavhura kuti uwane penjeni uye yemutero mabhenefiti. Mari yako yakavharwa kusvika wasvitsa makore makumi matanhatu. Unogona kutora kusvika 60% yemari yezviitiko zvakakosha semichato mushure memakore matatu. Pamakumi matanhatu, unogona kubvisa kusvika ku25% lumpsum.
NPS Tier 1 inokodzera kubvisirwa mutero pamipiro inosvika Rs 1.5 lakh pasi peChikamu 80 C uye imwezve Rs 50,000 pasi peChikamu 80 CCD (1B) cheIncome Tax Act, 1961.
- Chikamu 2 - Iyi iakaundi yekuzvidira. Iwe hauwane rubatsiro rwemutero kana penjeni. Chaizvoizvo, zvinokutendera iwe kuisa mari muNPS-yakabatana mari asi pasina chero bhenefiti kana NPS tier 1. Uye iwe unogona kubvisa mari yako chero nguva pasina muripo. Mari yako haina kuvharwa.
Pane imwe mutsauko weTier 2 inova mutero saver, asi isu tichaifuratira zvachose. Iyo homwe yeELSS inoita zvine musoro pamusoro payo.
Kana wangovhura account yako yeNPS, unozofanira kusarudza homwe maneja. Ndinokurudzira kusarudza chimwe cheizvi:
- HDFC - Zvandakasarudza pachangu.
- HERE
- SCI
Zvadaro, iwe uchakumbirwa kusarudza pakati pezvitatu zvekudyara sarudzo:
- Conservative
- eresera
- Ane utsinye
Kutanga, sarudza iyo Auto Option.
Kanganwa nezve Conservative.
Wobva wasarudza zvine mwero. Kune vazhinji vanoisa mari, iyi inzira ine tariro asi yakachengeteka.
Nekudaro, iwe unogona zvakare kusarudza Aggressive, sezvo homwe yako yeNPS inotungamirwa nemamaneja ehomwe ane ruzivo, uye isu tiri kutarisa makumi emakore kuti mainvestimenti aya akure, njodzi dzakaderera.
Makore mashoma kumashure, kuisa mari muNPS kwakaoma zvakanyanya. Sezvakaoma chaizvo. Iwe unofanirwa kupinda muakaundi yako yePRAN, zadza mafomu aya, kubhadhara kuburikidza nekadhi rebhangi kana net banking uchibhadhara diki mutero.
Iye zvino, zvese zvinogona kuve otomatiki.
Neakaundi yako yeNPS, iwe unowana chaiyo dhipoziti account zvakare. Inonzi D-Remit. Iine iyi chaiyo dhipoziti account, iwe unowana kugovera kuaccount yako yeNPS kuburikidza nekuendesa kubhengi uye utore zuva rimwechete NAV.
Izvi zvinoreva kuti unogona kuseta mirairo yakamira kuburikidza neakaundi yako yekubhangi kuti ubatsire kuaccount yako yeNPS mwedzi wega wega, otomatiki.
Maitiro ekutora yako chaiyo D-remit NPS account nhoroondo?
Zvinotora maawa angangosvika makumi maviri nemana kusvika makumi mana nemasere kuti iwe uwane yako D-remit account account mune yako email.
Kana wangowana izvo, gadzira rairo yakamira yekupa inokwana 5% yemari yako mwedzi wega wega. Saka kana iwe uri kugadzira ₹ 1,00,000 / mwedzi, batsira ₹ 5,000 mwedzi wega wega.
Iko hakuna muganho wekuti yakawanda sei iwe yaunogona kupa kune yako NPS account.
Asi iwe unogona chete kuchengetedza kusvika ₹ 2,00,000 mukubviswa mutero.
Kana usina chakaita sechikwereti chemotokari kana chikwereti chemba apo maEMIs ako epamwedzi anodarika 30% yemari yaunowana, unogona kupa 10% yemari yako yese kuNPS.
Kunyange zvakadaro, ndinokurudzira 5%. handisi kutora maitiro ekuchengetedza.
Tichange tichitora imwe nzira yekudyara-inorema kuitira kuti tigone kugadzira uye kushandisa imwe yehupfumi ihwohwo nhasi, kwete kana takura.
Takatogadzira homwe yemudyandigere uye homwe yechimbichimbi, saka yave nguva yekuti tiite njodzi.
Mumakore gumi apfuura, mari dzeNPS dzakaita zvakanaka kupfuura dzimwe mari dzemudyandigere uye dzepenjeni, dzichipa kudzoka kwe8 kusvika gumi muzana pagore. Sezvo mari yako yakaiswa muequity zvakare, iwe unozowanawo 10%+ mubereko, asi unogona kutarisira CAGR kana kupi zvako pakati pe8% kusvika 12% mumakore gumi.
PPF kuve isina njodzi ichakupa iwe chete 7.1% mubereko uye haugone kupa anopfuura 1.5 Lakhs pagore.
Asi isarudzo yakachengeteka yekudyara mari yako kwenguva refu uye kuchengetedza mutero. Unogona kuramba uchivandudza PPF yako mushure memakore gumi nemashanu kwemakore mashanu ega ega kwenguva yakareba sezvaunoda. Uye mari yese iyi haina mutero. Iwe unowana kuchengetedza pamitero nhasi uye mune ramangwana.
Unogona kuvhura PPF yako chete nebhangi rako. Pinda kuaccount yako yekubhangi yeinternet uye iwe unofanirwa kuona sarudzo pasi pechikamu chekudyara kuti uvhure account yePPF. Inosiyana kubva kubhangi kuenda kubhangi.
Unogona kugadzira mirairo yakamira kuti ubatsire kuaccount yako yePPC mwedzi wega wega.
Wakisa PPF yako gore rega - inongobvumidza iwe kuisa kusvika ₹ 1,50,000 gore rega rega.
Kana iwe wawedzera izvi kunze, iwe unochengetedza iyi chiyero chemutambo mukubvisirwa mutero nhasi, uye mune ramangwana paunoibvisa.
Isu tichatarisa muELSS mutual funds patinomisa account yako yekudyara muchikamu chinotevera.
Ndizvo! - Makorokoto pakupedzisa chikamu chekutanga che automating (kuwedzera kugadzirisa) mari yako!
Zvino zvawava neakaundi yebhangi hombe isingakubire mari yako, homwe yechimbichimbi yekukubvisa munguva dzakaoma, uye homwe yemudyandigere inogadzirwa kuti ikure, chikamu chechipiri chinotarisa zvakanyanya pane bhajeti otomatiki, uye kugadzirisa chikwereti chako.
Kana uine chero mibvunzo, ndizivise mumashoko.
Somnath Bhattacharyya
Chinyorwa chakanakisa chekuronga zvemari kunyanya kune vasina kudzidza. Ini ndinongowedzera mamwe mapoinzi andinotevera uye anogona kubatsira vamwe
1. Kushandisa masavings maviri a/c ebhangi rimwe chete … paka mari yese nekudyara nguva nenguva kubva kune imwe account uye shandisa kadhi reATM reimwe account pakutengesa mari kana chero mari yepamhepo. Unogona kutsvaira muakaundi yako yekushandisa pese pazvinenge zvichidiwa.
2. Mukuona kwangu App uye Internet banking features inopiwa neICICI ndiyo misika yakanakisisa muIndia.
Aayush Bhaskar
Hi Somnath,
Thanks nekuwedzera kukosha!
Priya
Chinyorwa chikuru, ndatenda nekugovana ruzivo rwako.
Priya
iwe unogona zvakare kugovera maitiro ekuteedzera mari yako yezuva nezuva? Ini pachangu, ini ndinoshandisa Walnut app.
Aayush Bhaskar
Ini ndinoshandisa Wallet neBudgetBakers. Iri raifanirwa kuve iro dingindira rechikamu chechipiri - yakadzama kunyura muWallet nekuti idiki rakasimba tracker ine akawanda maficha ekugadzirisa bhajeti uye yekutevera chiyero.