Iyo Quora tambo pane yavo yazvino tech, iyo "Pfuma Monitor" inotaridzika zvakanyanya mumvuri kwandiri. Iyi haisi mhosva yekupomera kana chirevo chemaitiro ane shady ekushambadzira. Asi kungoona chete:
Tarisa thread pano wobva waverenga wongororo yangu pazasi.
Chii chakashata neshinda?
Mhinduro yega yega inoita kunge inotengeswa, yakafanana, uye yekushambadzira junk iyo pseudo-nyanzvi vanyori vanoburitsa mazuva ano.
Uyu mureza mutsvuku mukuru, saka Ndaizonzvenga Dezerv for now.
Zvinoshamisa sezvo kambani yakataura zvishuvo zvavo ndezvekuita kuti mari iite nyore kune vatengi vavo. Yese inotaura nezve hutsika uye tsika nekutenda. Zvinondishamisa kuti vangagara vari pasi kudaro. Chiyero chinowanzo chengetwa nevanyengeri uye vatengesi veMLM.
Zvekare, aya mafintech Indian mabhizinesi ane hutsinye zvakanyanya, saka ini handisi kuwana Dezerv chero chinhu. Aya ndiwo maonero angu uye ongororo, yandinofanirwa kuita. Ndakangosarudza kuzvitaura pachena. Ini handina humbowo kana humbowo hwekukonzera Dezerv, kana timu yayo yechero kukanganisa.
Asi izvo zvavanga vachiita nematanho ekushambadzira forum hazvina kunaka, hazvina kunaka, uye pasi-kurudyi zvinonzwisa tsitsi, sekufunga kwangu.
Uye kubvira Zerodha vakatanga mari yavo, enda kunoisa mari mumari yavo itsva mutual fund. Hapana mari kana tambo dzakabatanidzwa.
Iwe haudi "nyanzvi" dzekudyara mune mutual funds.
Dzivisa Dezerv's PMS zvakare. Mutemo wangu mukuru hausi wekudyara muPMS kunze kwekunge yauya inokurudzirwa neinokwana 3 yeshamwari dzako dzepedyo, vaunoshanda navo uye vaunoziva.
Nguva yadarika ndakaziva nezveDezerv, uye ndakafunga kuti ringava zano rakanaka kuti ndiedze.
Iyo yekukoka-chete hupfumi manejimendi chikuva uko yako portfolio inogadzirwa zvichibva panjodzi yako yekudya, horizon yekudyara, uye hunhu hwako hwemari hwazvino.
Paunodyara mari kuburikidza neDezerv, muchidimbu, nyanzvi dzichange dzichibata mari yako mune yakasarudzika portfolio yakavakirwa iwe. Kuve nechokwadi chekuti unowana madzoro anowirirana uye kuzadzisa zvibodzwa zvako zvekudyara pasina kuisa mari muzvinhu zvekufungidzira uye kusarudzwa kwemasheya.
Iwe haufanirwe kubhadhara chero kubhadharisa kuDezerv kubata mari yako.
Asi ndezvemahara here, kana zvakanyanya kukosha, hapana chauri kubhadhara kune nyanzvi dziri kubata mari yako? Ndatsanangura izvi zvakadzama pamagumo echinyorwa chino.
Sezvo Dezerv isina kuvhurika kumunhu wese nekusarudzika, zvinoita kuti zvive nyore kuchikwata chidiki chenyanzvi dzekudyara vane ruzivo kuti vape mhedzisiro iri nani uye ruzivo rwemushandisi.
Heano mafambiro ese maitiro ekukwira akafamba:
Ndakanyorera kuDezerv, uye muvhiki kana kupfuura ndakakokwa.
Kana wangowana kukokwa, unofanirwa kupinda muDezerv uchishandisa nhamba yako yefoni, uye ndizvo zvandakaita.
Paunopinda mukati kekutanga, chinhu chekutanga chauchaona ndeye yako Yakasarudzika Yakabatanidzwa Portfolio (PIP) ruzivo.
Ini ndichataura nezvePIP zvakadzama pandinoongorora Dezerv, asi ingori nzira yavo yekudyara zvivakwa inonzi Integrated Portfolio Approach (IPA), iyo inotsanangura kusiyanisa kwavo uye nzira yekutora midziyo.
Mumashoko avo, IPA inoti:
Yakabatanidzwa Portfolio Approach ™ ine chinangwa chekuvaka yakasarudzika yakawanda-asset kirasi portfolio, uko inopindirana, yepamusoro-mu-kirasi chengetedzo inosarudzwa kuendesa yepamusoro portfolio inodzoserwa maererano nenjodzi mbiri. Ndiyo mhinduro yakazara kune zvese zvaunoda kuisa mari.
Iwe unofanirwa kudzvanya iyo SetUp My Account Bhatani kuti uite mari yekutanga neDezerv.
Izvi zvisati zvaitika, regai nditaure pamusoro pezvikamu zvakati paPeji Yakasarudzika Yakabatanidzwa Portfolio iri pamusoro. Dezerv inokutendera iwe kugadzirisa yako portfolio usati waita mari.
Semuenzaniso, unogona kugadzirisa iyo "Investment Approach" uye kuona kubva kune mashanu maitiro akasiyana:
Unogona kusarudza pakati pe:
- Kuchengeta
- Conservative
- Kuenzanisa
- kukura
- Ane utsinye
Zvino, zvichibva pamhinduro dzako kumibvunzo inobvunzwa naDezerv paunonyorera, vanokukurudzira nzira yekudyara yakanakira iwe. Ini ndiri mugari wenguva refu, uye saka unofanira kunge uri muverengi weAayushBhaskar.com ????.
Saka, zvichibva pamhinduro dzangu (yenguva refu, kushivirira kwengozi) Dezerv akakurudzira nzvimbo yepamusoro-yepamusoro-mubayiro wepamusoro-soro kuti ndikure hupfumi hwangu kwenguva refu. Zvakadaro, ndinogona kusarudza imwe nzira yekudyara kana ndichida.
Kana iwe uchida kuziva mari iyo mari yako ichaiswa mariri, tinya "Ona Portfolio Details".
Iwe unogona kuona kuti portfolio yangu yakanyatso-siyana sei nemari inowirirana muIndia Equity, Fixed Income assets uye Goridhe.
Iyi inzvimbo yakanyatso-siyana-yakagadzirirwa kuchengetedza kudzoka kwangu kubva pasi, kunyanya munguva dzakaita seUkraine-Russia dambudziko apo misika yekuenzanisa inogona kudonha kana hondo ikawedzera. Ndarama uye yakagadziriswa mari yemidziyo inowanzoita zvirinani mumamiriro ezvinhu aya.
Kune zvakare boka remaFAQs aunogona kupfuura kuti unzwisise kuti Dezerv anobata sei mari yako, mamiriro ekubvisa, kuchengetedzwa kwemari, uye nei vachifarira mutual funds pane ega ega.
Kana uchinge wapedza kuongorora yako Dezerv Personalized Integrated Portfolio, nhanho inotevera kuisa mari yekutanga INR 50,000 kana kupfuura. Izvi zvine musoro sezvo paine dzinenge 9 mari mune yangu portfolio.
Ndakaenda kumberi ndikadyara ₹ 50K naDezerv.
Kudyara kwese kunoitwa muzita rako, Dezerv anongori mufambisi/chipangamazano.
Iwe unogashira email simbiso kubva kune yega mutual fund imba mune yako portfolio kana Dezerv apedza kugadzirisa mari yako. Iwe unogona ipapo kuteedzera ma investments aya uchishandisa a portfolio tracker naizvo.
Dezerv parizvino inotsigira nzira imwe chete yekubhadhara - Internet Banking. Ivo vachakurumidza kuuya neUPI kubhadhara mhinduro zvakare.
Kana iwe uchinge waita iyo yekutanga investimendi, iwe unowana mukana weiyo Dezerv backend, kwaunogona kuteedzera yako portfolio uye kutonga account yako.
chitsamba - Yako portfolio haina kumira. Ichagadziriswa gore negore nemvumo yenyu. Iwe une dhigirii rekutonga pamusoro pemari yako.
Iwe unozokwanisa kubvisa mari mushure memazuva 3-5 ekuita mari yekutanga. Mushure meizvozvo, hapana nguva dzekuvhara-mukati. Asi taura nechikwata cheDezerv usati wasarudza kubuda, unogona kuzviita chengetedza mutero uye kuderedza mutoro wekubuda.
Heino maitiro eDezerv dashboard inotaridzika:
Ziva kuti ini ndinofanira kudzima sei zvimwe zvinhu mumufananidzo uri pamusoro. Iyi mimwe mikana yakasarudzika yekudyara yenhengo dzeDezerv.
Pakutanga, ndaiva nezvirongwa zvekunyora nezvazvo zvakare, asi ndakazoverenga mikana iyi yakavanzika uye ine ropafadzo, kwete yekubudiswa pachena.
Zvakanaka, aya mamwe makambani ePre-IPO kwaunogona kutenga migove kubva kune vanhu vanoda kuvatengesa kunze kwemusika. Kana dzimwe nguva aya anogona kunge ari Alternative Investment Assets, High-Yield Bond, kana Kudyidzana nemamwe mapuratifomu ekudyara akadai seGRIP.
Iwe uchawana mukana kune iyi yakasarudzika mikana yekudyara kana iwe wava nhengo zvakare.
Dezerv timu ichakubatsirawo kuti unzwisise zviri kuitika muhupfumi hwenyika hwazvino uye kuti mari yako inokanganiswa sei. Iwe unogashira anotsanangura mavhidhiyo uye mameseji mameseji pamari uye zvehupfumi zvigadziriso nguva nenguva.
Kana iwe uchida kutaura nemumwe munhu kuti uwane tsananguro uye kuti mibvunzo yako ipindurwe, pane imwe nhengo yaunokwanisa kutaura naye paWhatsApp.
Dezerv Charges
Hwisisa kuti uri kubhadhara muripo.
Uye hazvina musoro sezvo uine maapplication akaita seINDmoney anotoita zvinoitwa naDezerv. Ivo havangozviratidze nenzira yakaomesesa sezvinoita Dezerv.
Saka pane chikepe chakawanda chekushambadzira chiri kuitika pano kune masevhisi atovepo.
Iwe hausi zvakananga kubhadhara Dezerv kubata mari yako, sekunyorera.
Nekudaro, iyo mari yakaitwa pachinzvimbo chako kuburikidza neDezerv inoitika mune yakajairwa mutual fund zvirongwa uye kwete zvirongwa zvakananga.
Ndeupi musiyano pakati pezvirongwa zvenguva dzose uye zvakananga mutual fund investment?
Iyo yenguva dzose mutual fund zvirongwa zvinogara zvichifambiswa kuburikidza nebroker, munhu wepakati. Uye wese broker anobhadharwa komisheni ne mutual fund house.
Idzi dzimba dzemutual fund hadzibhadhara makomisheni aya kubva muhomwe yavo. Vanokubhadharisa panzvimbo.
Saka, urikubhadharira timu yeDezerv nehunyanzvi muripo wakakura wekubata mari yako.
Ndakaverenga, uye kusvika pakuwanda kwandakaita neDezerv, Kana ndikazvichengeta semakore gumi anotevera, ndichabhadhara zviuru zvina mumakomisheni.
Chinangwa changu kukudzidzisa neruzivo urwu ndechekukubatsira kuita sarudzo ine musoro. Ndinovimba izvi zvinobatsira. Kana iwe ukandibvunza, hazvina musoro kuisa mari kuburikidza neDezerv.
Nzira yekuwana sei kuDezerv?
Kutanga, unofanira kukumbira kukokwa.
Ipapo ivo vanoongorora chimiro chako zvichienderana nemhinduro dzako mukukoka application, iyo yavanoshandisawo kugadzira yako yekudyara portfolio. Ikozvino, hazvina kuita sekuti ivo vachakugadzirira portfolio nyowani, asi iwe uchapihwa mukana kune imwe yevatatu (yangu mbishi fungidziro) pre-yakavakwa portfolio zvichienderana nenjodzi yako yekudya.
Chekupedzisira, kana zvese zvagadziriswa, unowana kukokwa kubva kuDezerv, inoshanda kwemazuva masere.
Iwe unofanirwa kuita mari pasi pemazuva masere mushure mekunge wawana kukokwa kwako. Kana ukasadaro, mukana wako wekudyara neDezerv unopera.
Zvose izvi hazvisi chinhu kunze kwemaitiro ekutengesa - saka usazvinetse kana ukasawana kukokwa nekukurumidza. Vanozopedzisira vavhura chikuva chemunhu wese.
Paunodzvanya pane chinongedzo chiri pamusoro, iwe uchawana yekutanga kupinda kuDezerv, nekukurumidza kupfuura chero ani zvake. Kungoitira vaverengi vangu chete.
Aya ndiwo aive maonero angu ekutanga mushure mekushandisa Dezerv.
Ndichaenderera mberi nekudyara neDezerv?
Zvichida, kwete. Ini ndatova nePMS inotonga yakawanda yemari yangu (70%).
Nekudaro, ini ndinoda maitiro avo ese. Ini ndichataura zvakawanda nezvazvo kana ndawana ruzivo rwepuratifomu yavo kwemwedzi mishoma kanenge ndonyora wongororo nezvazvo. (Yakagadziridzwa, iyi ndiyo ongororo, hapana zvakawanda kwairi. Muchidimbu, hazvina kukosha kana iwe uri mutengi akadzidza. Zvakakodzera kana usina nguva yekunzwisisa musika.)
Ndinokurudzira kuzvidzidzisa uye kuedza kuisa mari mune yakananga mutual funds. Haufanire kubhadhara makomisheni kana mapuratifomu achida Scriptbox, INDMoney uye Kura fambisa yakananga MF kuisa mari nematani ezvinyorwa zvedzidzo kuti ikubatsire kusarudza homwe yakakodzera zvichienderana nezvaunoda.
Varun
Mhoro Ayush, iyi inguva imwe chete yekutsvaga mari? Kana kuti ndinofanira kuita mari yakadaro gore rega rega? Zvakare kana dezerv ikavhara saka ini ndichiri muridzi wekudyara kwangu, handiti? Maonero ako akandipa kusatya kuenderera mberi nekudyara .pls pindura ..
Aayush Bhaskar
Hi Varun,
Iwe unofanirwa kuisa mari shoma ye50K kuti uwane mukana weDezerv. Mushure mezvo, pese paunoda kuisa mari yakawanda, mari shoma i20K. Unogona kusarudza kuisa mari mukudyara nguva dzose sezvandinoita (vhiki nevhiki). Kana imwe neimwe nguva, semuenzaniso, paunowana bhonasi.
Mari yako inotumirwa yakananga kune mutual fund house. Dezerv inongova svikiro. Iwe haufanirwe kunetseka nezvekuvharwa kwavo zvachose.
ashwin
“Saka, uri kubhadharira Dezerv muripo wakakurisa wekubata mari yako.
Ndakaverenga, uye kusvika pamari yandakaisa naDezerv, kana ndikaichengeta kwemakore gumi anotevera, ndichabhadhara zviuru zvina mumakomisheni. "
Hi Aayush!
Paunenge uchikurukura nezvemubhadharo (wataurwa pamusoro), wataura kuti ungatarisira miripo inokosha maRs. 4L yemakore gumi yekudyara kwako ikozvino.
Ndokumbira upe ballpark nhamba yehuwandu hwekudyara kwako kuitira kuti upe pfungwa iri nani yehukuru hwehukama hweinofungidzirwa 4L mubhadharo? Zvikasadaro, munhu haakwanise kuwana pfungwa yakanaka yemugove wekudyara unozorasika semuripo.
Ndinovimba kunzwa kubva kwauri munguva pfupi.
Aayush Bhaskar
Zano - Uchishandisa INDmoney kuraira ( ₹ 99 pamwedzi) unogona kutarisa makomisheni.
Rajesh
Hi Aayush,
Ndiri kuona kuti parizvino timu yeDezerv iri kuti vanoisa mari chete muDirect mutual funds mumari inotungamirwa navo vachishingairira mune chimwe chinonzi Growth Assets. Vari kutarisira 3-4% yepamusoro pane kuita kwemusika uye vaizochaja 5% yepurofiti pagore.
Ndakashandisa sevhisi yakafanana muzvitoro zvepodfolio, zvisinei mugore rimwe handina kukwanisa kuona kudzoka kwakafanana sekuita kwemusika uye ndakabuda mumasevhisi avo.
Chero mazano kuti izvi zvingave sei nesarudzo dzatovepo seScripbox, INDMoney, nezvimwe
Mahesh
Mhoro Ayush,
Chekutanga pane zvese, kudos kune yako yakadzama wongororo paDeserv App. Sezvo wanga uchitaura kuti zvinoreva kubhadhariswa kwakakura sekomisheni, ndapota utiudze kuti ingave yakawanda sei muzana. Semuyenzaniso kana ndiri kutanga inivhesitimendi ne50K uye gare gare 20K seSIP, ingani muzana ingave kurasikirwa kwandiri?
Ongorora: Ini ndiri mutsva kune zvemari nekudyara nyika.