Zvido zvako zvemari zvinokura sezvaunokura, uye unongoerekana waona kuti muhoro wakatarwa wepamwedzi hauzokwanirise zvese.
Iwe unozoda yakangwara yekudyara zano inopa mari yakakwana kana ichidikanwa uye kunyange kuita mabasa ako iwe usipo.
Kudyidzana mari iri pakati peakanakisa ekudyara mikana, iyo iwe yaunogona kusarudza zvichienderana nenguva yako uye njodzi chishuwo.
Asi iwe unokwanisa sei kuita izvi? Ngatizviongororei.
Chii chinonzi Mutual Funds?
Chishandiso chemari chinonzi mutual funds chinounganidza mari kubva kune vakawanda vanoita mari. Mushure mezvo, mari yakasanganiswa ndeye invested muzvinhu zvakadai semastock emakambani akanyorwa, mabhondi emakambani, mabhondi ehurumende, uye zvibatiso zvinotengeswa.
Semugovani, iwe hausi iye muridzi chaiye wekambani inotengwa iyo mutual funds inotenga. Nekudaro, iwe unopatsanura zvakaenzana chero zviwanikwa kana kurasikirwa nevamwe vedziva investimendi. Iyi ndiyo nzira iyo mutual fund uye izwi rekuti "mutual" zvine hukama.
Iwe unobatsirwa kubva kune iyo fund manager ruzivo uye Securities Exchange uye Bhodhi reIndia's (SEBI) kuchengetedzwa kwemitemo. Iyo nyanzvi homwe maneja inoita kuti vatengesi vagamuchire iyo yepamusoro inokwanisika kudzoka.
Nzira dzeKuisa muMutual Fund kune Vanobhadharwa Vanhu
Mazuva ano, kuisa mari mune mutual funds iri nyore kwazvo nekuda kwe tekinoroji; zvichibva pane zvakanakisa zviwanikwa zviripo, unogona kuisa mari munzira dzakawanda:
Kunanga Investment
Iwe unogona kudonhedza fomu rakanyatsozadzwa kuhofisi yeakakodzera mutual fund provider. Unogonawo kudhinda application woizadza zvine hungwaru. Zvisinei, usati waendesa cheki, unofanira kunyatsoverenga chibvumirano.
Investment muMutual Fund kuburikidza ne Online Mode
Unongoda chete internet yekubatanidza uye nharembozha kuti uise mari online. Dzakawanda sarudzo dzinokubatsira iwe kusarudza yakanakisa mutual fund zvichienderana nekushivirira kwako njodzi, zvinangwa, uye zvimwe zvinotariswa.
Iwe unogona kuchengetedza nguva uye simba nekushandisa imwe yeakasiyana online ekudyara mapuratifomu anowanikwa. Iwe unongoda ruzivo rwekadhi rako rePAN, ruzivo rwechitupa, uye account yebhangi inoshanda yekubatanidza nemutual fund firm.
Kuburikidza neDemat Account
Iwe unogona kuisa mari mukati uye kuita neiyo mutual fund uchishandisa yako yazvino bhangi account uye Demat account. Wako stockbroker anofanira kunge ari mugovanisi ane rezinesi we mutual funds kuti ape sevhisi.
Kuti uise mari, iwe unofanirwa kusaina kuDemat account yako uye kutsvaga iyo mutual fund investment sarudzo. Mari yacho inofanirwa kupedzwa nekuita online mari kutumira.
Tinokurudzira kutanga Zerodha.
Kuburikidza neAgents
Kuisa mari kuburikidza nevamiririri inzira yakareba, inonetesa, uye inodhura iyo inofanirwa kufuratirwa. Kuti ikubatsire pakuita sarudzo uye kuzadza fomu rinodiwa, fonera mumiriri. MaAgents anogonawo kuda komisheni yemasevhisi avo.
Vave nemidziyo yedhijitari yavanogona kushandisa kukubatsira kuzadza mafomu nemagetsi uye nekukasira kuvhura account yako. Nekudaro, iwe unofanirwa kuve nechokwadi kuti mumiririri ndeyechokwadi.
Mabhenefiti eKuisa mari muMutual Funds
Kugadzirisa zvinangwa zvemarudzi ese evanoisa mari, anopfuura 8000 mutual mari inowanikwa muzvikamu zvakasiyana. Mari yekudyidzana yakakodzera munhu wese kana ichipa musanganiswa wakanaka wemhindu, mihoro, uye chengetedzo.
Mabhenefiti ekudyara mune mutual fund ndeaya anotevera:
Best Money Management
Boka renyanzvi rinotarisira mari yawaunganidza. Saka unogona kubatsirwa nemazano ehunyanzvi paunenge uchivaka hupfumi. Rini kusarudza masheya, maindasitiri, kugovera, uye kutenga nekutengesa maodha, maneja wehomwe anoita tsvakiridzo yakakura.
yakaderera mutengo
Kudyidzana mari pasina mubvunzo chishandiso chekudyara mari zvakanyanya kana uchifunga zvakanakira ruzivo, kusiyana, uye dzimwe nzira dzekudzoka. Nekudaro, chiyero chemutengo chiri pasi pe2.5% yekudzora chivharo.
SIP Sarudzo
Iko kuchinjika kwehurongwa hwekudyara kwakarongeka kunotendera iwe kuti uite mari payakafanotemerwa nguva, senge vhiki, kota, kana pamwedzi. NemaRs chete. 500, unogona kutanga kuisa mari mune mutual funds.
Nzvimbo yekuchinja mari
Imwe mutual funds inokubvumira kutumira mari kana iwe usingagutsikane nekushanda kweimwe mutual fund scheme. Zvisinei, unofanira kutsika nokungwarira pakusarudza kufamba.
Mutero Mabhenefiti
Iwe unogona kuchengetedza mari pamitero uye kuvaka hupfumi nekudyara muELSS mutero-wekuchengetedza mutual fund. Uyezve, iwe unogona zvakare kuda kuderedzwa kusvika kuRs. 1,50,000 pagore pasi peChikamu 80C che Imwe Mitero Chiito.
Yakanakisa Mutual Funds kune Vanobhadharwa Vanhu
Izvozvi zvatadzidza nezve mutual funds, tinogona kukurukura zvakachengeteka yakanakisa mutual mari kune vanhu vanotambira mari kuitira kuti tiwane mihoro yakanyanya nenjodzi shoma:
HDFC Arbitrage Fund
Iyo HDFC Arbitrage Fund inotarisa pamukana we arbitrage uri kubuda kubva mumari uye zvinobva mune zvemari.
Imwe yeIndia hombe mutual fund dzimba, HDFC Asset Management Company, yakavambwa munaGunyana 2007, inopa. Iyi mutual fund inowira pasi pechikamu che arbitrage uye yakavhurika-yakapera.
Iyo yakasanganiswa HDFC Arbitrage Fund ine yavanoda kumakambani epakati-cap. Iyo portfolio inoumbwa zvakanyanya nechikwereti uye chengetedzo yemusika wemari, ine equity uye equity-inoenderana zvigadzirwa zvinoumba inenge 2/3 yehuwandu. Unogona kunyorera iyo HDFC Arbitrage fund online uye isina.
Kune chikamu chikuru, homwe yacho yakapfuura mabhenji ekudzoka uye isarudzo yakasimba kune venguva refu vatengesi vanoda kuronga kwavo pamudyandigere, kutenga imba, kuroora, kana kuita vana.
Nekudaro, usati wadyara muzvinhu zvine njodzi senge mutual fund, unofanirwa kugara uchitaura neako chipangamazano wezvemari.
ICICI Prudential Regular Savings Fund Yakananga-Kukura
ICICI Prudential Mutual Fund's Conservative Hybrid mutual fund chirongwa chinonzi ICICI Prudential Regular Savings Fund Direct-Growth. Homwe iyi yakavambwa musi wa1 Ndira 2013, uye yave nemakore gumi nemwedzi mipfumbamwe ichishanda.
ICICI Prudential Regular Savings Fund Direct-Growth chirongwa chepakati nepakati munzvimbo yayo ine assets under management (AUM) yeRs.3,267 Crores kubva musi wa30 Chikumi 2022. Mari yehomwe, inova 0.99%, yakakura kudarika izvo iyo yakawanda inofananidzwa Conservative Hybrid mari inobhadharisa. Parizvino, homwe yacho yakagoverwa 19.16% kune equities uye 64.97% kune chikwereti.
Kudzoka kwegore rimwe kweICICI Prudential Regular Savings Fund Direct-Growth i1%. Uyezve, yakaunza kudzoka kwe7.03% gore negore kubva pakutanga. Makore manomwe oga oga, homwe yacho yakawedzera zvakapetwa kaviri mari inoiswa mariri.
Kugona kweICICI Prudential Regular Savings Fund Direct-Growth scheme kuunza madzoro nguva dzose kunofananidzwa neiyo yakawanda yemari mukirasi yayo. Inoita zvirinani pane avhareji pakudzikamisa kurasikirwa mumusika wakaderera.
Kudyarwa muzvikamu zveMari, Kukurukurirana, Inishuwarenzi, Simba, uye Healthcare ndiwo anoumba mazhinji ehomwe yehomwe. Zvichienzaniswa nedzimwe mari muchikamu, zvakatora njodzi shoma mumaindasitiri emari nekutaurirana.
Pakupedzisira, chikwereti chehomwe ine chikwereti chakaderera chechikwereti, zvichiratidza kuti vakwereta chavakakwereta mari havasi vemhando yepamusoro.
Invesco India Mutero Chirongwa Direct-Kukura
Chirongwa cheELSS mutual fund kubva kuInvesco Mutual Fund chinonzi Invesco India Tax Plan Direct-Growth. Homwe iyi yakavambwa musi wa1 Ndira 2013, uye yave nemakore mapfumbamwe nemwedzi minomwe ichishanda.
Kubva munaChikumi 30, 2022, iyi mutual fund yakabata 1,818 Crores mumidziyo, ichiiita mota yepakati nepakati mukirasi yayo. Mari yehomwe ye 0.85% yakaderera pane yezvimwe zvakawanda zveELSS zvigadzirwa.
Iyo 1-gore inodzoka yeInvesco India Tax Plan Direct-Kukura ndeye 30%. Yakaburitsa 17.02% avhareji yekudzoka kwegore kubva payakatanga. Makore matatu oga oga, homwe yacho yakawedzera zvakapetwa kaviri mari inoiswa mariri.
SBI Blue-chip Yakananga Chirongwa-Kukura
SBI Mutual Fund's SBI Blue-chip Direct Plan-Growth iLarge Cap mutual fund product. Homwe iyi yakavambwa musi wa1 Ndira 2013, uye yave nemakore anopfuura mapfumbamwe ichishanda.
Ihomwe yepakati nepakati muchikamu chayo ine assets under management (AUM) ye32,773 Crores kubva muna Chikumi 30, 2022. Homwe iyi ine mutengo wakakwira kupfuura dzimwe hombe-hombe hombe, pa0.95%.
Yegore rapfuura SBI Blue-chip Direct Plan-Kukura inodzoka yaive 5.91%. Yakaburitsa kudzoka kwe15.55% paavhareji pagore kubva payakatanga. Makore matatu oga oga, homwe yacho yakawedzera zvakapetwa kaviri mari inoiswa mariri.
UTI Yenguva Yenguva Inowanikwa Yakananga-Kukura
A Short Duration mutual fund product kubva kuUTI Mutual Fund ndeye UTI Yenguva pfupi Muhoro wakananga-Kukura. Ihomwe yepakati nepakati muchikamu chayo ine maRs. 2,315 Crores muzvinhu zviri pasi pemanejimendi (AUM) kubva munaChikumi 30, 2022.
Mari yekubhadhara mari yehomwe ndeye 0.34%, iyo inofananidzwa nezvimwe zvizhinji zvenguva pfupi mari inotengeswa.
Iyo 1-gore inodzoka paUTI Short-term Income Direct-Kukura ndeye 8.36%. Yakaburitsa kudzoka kwe7.34% pagore paavhareji kubva payakatanga.
Ichi chirongwa chine kudzoka kwakafanana kunofananidzwa nemari zhinji mukirasi yayo. Iine simba rakasimba rekudzikisa kurasikirwa mumusika uri kuderera.
Axis Blue-Chip Fund
Iyo Axis Mutual Fund House ndiyo ine yakavhurika-yakapera hombe equity Axis Bluechip Fund. Homwe iyi yakavhurwa zviri pamutemo muna Ndira 5, 2010.
Chinangwa chehomwe iyi chekudyara ndeche "kugadzira kukura kwemari yenguva refu kuburikidza nekudyara mune dzakasiyana siyana portfolio iyo inonyanya kuumbwa ne equity uye equity-inoenderana zviridzwa zvemahombe-cap corporation.
Kubva munaChikunguru 31, 2022, iyo Axis Bluechip Fund yaive nemidziyo iri pasi pehutungamiriri inokwana Rs, 35915.36 crore. Kubva munaChikumi 30, 2022, muyero wemutengo wehomwe Regular chirongwa ndeye 1.69%.
Parag Parikh Flexi Cap Fund Direct-Kukura
Iyo Yakavhurika-yakapera Flexi Cap Equity chirongwa icho chiri chikamu chePPFAS Mutual Fund House ndiyo Parag Parikh Flexi Cap Fund - Yakananga Hurongwa. Yakatangwa muna Chivabvu 28, 2013.
Chinangwa chehomwe iyi chekudyara chinoti: “Nekudyara zvakanyanya muzvikwereti zvine chekuita nemasheya, chirongwa ichi chinovavarira kuunza kukoshesa kwemari kwenguva refu. Inofananidzwa neNIFTY 500 Total Return Index sechiyero.
Kubva munaGunyana 1, 2022, iyo Parag Parikh Flexi Cap Fund's Direct Plan's Current Net Asset Value yeKukura sarudzo iRs 51.13. Kubva munaChikunguru 31, 2022, ine zvinhu zviri pasi pekutonga kweRs 24594.84 crore.
Kotak Emerging Equity Fund Regular-Kukura
A Kotak Mahindra Mutual Fund House yakavhurika-yakapera yepakati-cap equity chirongwa cheKotak Emerging Equity Fund Regular Plan. Homwe iyi yakatanga kushanda munaKurume 30, 2007.
Zvinoenderana nechinangwa chekudyara kwehomwe, iyo inoyerwa neNIFTY Midcap 150 Total Return Index, chirongwa ichi chine chinangwa chekupa kukoshesa kwemari yenguva refu kuburikidza nepodfolio yezviyero uye zvigadziriso zvine chekuita nekuenzanisa nekudyara zvakanyanya mumakambani epakati.
Kubva munaGunyana 1, 2022, iyo Kotak Emerging Equity Fund Regular Plan's Current Net Asset Value yeKukura sarudzo iRs 77.00. Kubva munaChikunguru 31, 2022, Kotak Emerging Equity Fund Regular Plan yaive nemidziyo iri pasi pemaneja inoita maRs. 20619.12 makirogiramu.
mhedziso
A mutual fund isarudzo inotyisa yekudyara iyo inogona kubatsira vanhu vanobhadharwa kuti vavake hupfumi nekufamba kwenguva. Mari yekudyidzana inopa zvirongwa zvezvese zvehupenyu, kubva pamudyandigere kusvika pakuunganidza hupfumi.
Iwe unopa mari yekudyara kune vanochengetedza uye vane njodzi-vanovenga investor.
Kubatsira kwekusiyana, mutengo wakaderera, rusununguko rwekudyara muhuwandu hushoma, uye nyanzvi homwe manejimendi zvese zvakanakira.
Nekudaro, Mari dzeMutual dziri pasi penjodzi dzemusika uye verenga zvese zvine chekuita nechirongwa.
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