Kutarisira mari kunogona kurwadza musoro kana uine nhamba huru yezvikwereti zvekubhadhara, mari yekugadzira, uye kuchengetedza kuwedzera.
Asi ko kana tikakuudza kuti kune mutambi mutsva mutaundi akagadzirira kuita kuti hupenyu hwako hwemari huve nyore?
Kwaziso kune ET Mari, iyo yose-mu-imwe yezvemari app iri kutsvaira musika weIndia.
Mune ino post, isu tichatarisa izvo zvinoita kuti ET Mari ioneke kubva kune yese uye kana yakakodzera mukana!
Nhanganyaya kuET Mari uye Mission yayo
ET Mari ndeyekudyara kweIndia uye hupfumi manejimendi chikuva chakaona kukura kwakanyanya mumakore achangopfuura. Iine dzimbahwe riri muGurugram, India, kambani yakavambwa muna Ndira 2015. Murume ari shure kwekubudirira kwayo ndiMukesh P Kalra, anoshanda seMuvambi uye CEO wepuratifomu.
ET Mari ine basa rekuita kuti manejimendi emari ave nyore uye awanikwe kune vatengi vekutengesa nekushandisa tekinoroji.
Iyo kambani ine timu ine tarenda yepamusoro yenhengo dze250 dzinoshanda nesimba kuti izadzise zvinangwa zvayo. ET Mari yakasarudzika nzvimbo yekutengesa ndeye zero-komisheni mutual fund investing uye manejimendi ekugadzirisa, achibvumira vashandisi kuti vatarise mari yavo nyore.
Mumakore mashoma apfuura, puratifomu yakaona kukura kwakapetwa kashanu munzvimbo yayo yevashandisi, ichiwedzera kusimbisa chinzvimbo chayo seimwe yeanokurumidza kukurumidza hupfumi manejimendi mapuratifomu muIndia.
Unotanga sei?
Kutanga neET Mari imhepo. Kunyangwe iwe uchida kushandisa email yako kana yako Google account, maitiro acho anokurumidza uye ari nyore.
Simply musoro pamusoro ET Mari Webhusaiti uye nyoresa uchishandisa nzira yaunofarira. Kana wangopa iyo OTP inozotumirwa kuemail yako kana yakabatana neGoogle account yako, unogona kutanga kuongorora puratifomu uye zvese zvayo pasina kunetseka nezve mamwe magwaro.
Nekudaro, kana iwe uchida kumisikidza account yekudyara, unozofanirwa kupa yako PAN ruzivo uye ruzivo rwebhangi rwakabatana neiyo PAN account. Iyo yese maitiro anokwenenzverwa kuita kuti rwendo rwako rwemari ruve rwakatsetseka sezvinobvira.
3. Pfupiso yeapp uye maitiro ayo
PaET Mari, hapana kushomeka kwezvishandiso uye maficha akagadzirirwa kukubatsira kutora kutonga kwemari yako. Kubva ku Calculator uye analyzers kune mutual fund portfolios uye stock analysis, iyi puratifomu ine zvese zvaunoda kuti uite ruzivo rwemari sarudzo.
Muchokwadi, ET Mari inogona kunyatso kutsanangurwa seyako wega wega wezvemari chipangamazano, inogara iripo kuti ikubatsire kufamba munyika yakaoma yezvemari. Asi ngatinyure zvishoma uye tinyatso tarisisa chimwe nechimwe chezvimiro izvi chimwe nechimwe.
(i) Investor Personality Calculator
Kuisa mari mu pamusika wemari kunosanganisira zvinopfuura kungoisa mari muzvinhu zvine ngozi huru. Wese investor ane hunhu hwakasiyana hunokanganisa sarudzo dzavo dzemari.
ET Mari inopa mhinduro kune izvi nekupa iyo investor hunhu kudzidza, iyo inokubatsira iwe kuti unzwisise kushivirira kwako njodzi uye kugadzira yakasarudzika nzira yemari.
Iyi puratifomu inonzwisisa kukosha kwekutarisira kune zvinodiwa nemunhu, ndosaka vachibvunza mibvunzo mishoma yemaitiro kuti vaburitse yakadzama yekuongorora njodzi inoenderana nehunhu hwako. Ongororo iyi inokubatsira kuita sarudzo dzine ruzivo, kuve nechokwadi rwendo rwemari rwakapfava.
Neyazvino musika wemasheya hype pasocial media, zviri kuyedza kusvetuka mumusoro-kutanga, asi kuziva hunhu hwe investor kubva pakutanga kunogona kuita mutsauko wese mukuzadzisa zvinangwa zvako zvemari.
(ii) Mutual Fund Guide
Semumwe munhu anga achishandisa ET Mari kwechinguva ikozvino, ndinogona kukuudza wega kuti mutual fund guide yavo ndeyepamusoro-notch. Chekutanga pane zvese, ivo vanopa zero komisheni uye yemahara kutenga uye kutengesa, pasina mhosva yakavanzika. Uyezve, ivo vane anopfuura zviuru mazana mashanu ezviuru zvezvinhu zvakakosha pasi pekuraira, saka unoziva kuti ipuratifomu yakavimbika.
Pandakatanga kuwana ET Money's personalized and personality-wise mutual fund categories, ndakafadzwa. Vane zvikamu zvinopfuura makumi matatu muchikamu chekuenzanisa chete, zvakakomberedza 30 chikwereti mutual fund categories, uye 20 hybrid categories. Chinhu chakanyanya kundishamisa kwaive kuenzanisa kwavanopa pakati pekuita mari dzakasiyana siyana.
Ndinoziva kuti dzimwe nguva, kuve nesarudzo dzakawandisa kunogona kuremedza kune vanoisa mari.
Ndosaka ndichifarira kuti ET Mari inotonga mari pane akasiyana paramita uye ichipa VRO chiyero kunze kwe5 nyeredzi. Nenzira iyi, haufanirwe kuomeswa nesarudzo dzese - unogona kungoenda wakananga kune iwo akayerwa zvakanyanya uye woita sarudzo yako kubva ipapo.
(iii) Mutual Fund Analysis
Saka wasarudza mukundi wako, asi imbomira kwesekondi! Pachine rimwe danho rakakosha - kuongorora homwe iyoyo. Uye ndipo panouya ET Mari neiyo yepamusoro-notch mutual fund yekuongorora chishandiso.
Ndakafadzwa pandakatanga kuitarisa kune iyo Quant Tax Plan Direct-Growth fund. Kadhi reshumo raunowana pachiratidziro rinokurumidza kuyera homwe zvichienderana nekuita kwayo uye njodzi, ese akatemerwa 5 nyeredzi mune iyi kesi.
Uye kana iwe wakafanana neni uye uchida kuona manhamba, kune mutual Calculator iyo inoverengera yaungagona hupfumi zvichienderana neSIP yako kana lump sum investimendi, nekungoisa mashoma mashoma senge mari yekudyara, zuva, uye tenure.
Asi hazvigumiri ipapo. Skroka pasi zvishoma uye iwe uchaona inomiririra inomiririra mashandiro ehomwe kana uchienzaniswa neavhareji yechikamu, uye zvakare kuenzanisa kwakadzama kwekugona kwayo kudzoka nezvimwe zvinhu zvakakurumbira semafixed deposits negoridhe.
Izvi zvakakosha zvakanyanya nekuti, ngativei chaivo, mutual fund inofanirwa kuita zvirinani pane idzi sarudzo dzakachengeteka pane imwe nguva yekururamisa njodzi yainotakura.
Uye kana iwe uchida kupinda mune nitty-gritty tsanangudzo, kuongororwa kunopawo ruzivo rwese rwekutanga pamusoro pehomwe, seyero yekubhadhara mari, kubuda mutoro, zvinhu pasi pehutungamiri, makore, nezvimwe.
Saka, muchidimbu, ET Money's mutual fund analysis tool ndeye-stop stop shop yezvose mutual fund ruzivo rwaunoda kuita sarudzo dzekutsvaga.
(iv) Portfolio Health Checker
Wakambozvibvunza here kana yako mutual fund portfolio inoratidzika?
ET Mari's Portfolio Health Checker inogona kukubatsira kuziva! Ichi chishandiso chinoshamisa chinoongorora yako portfolio pane gumi nemaviri paramita, ichipa yakakwana uye yakadzama ongororo.
Ini ndashandisa chishandiso ichi pachangu uye ndinogona kutaura kuti kuponesa chaiko, kuvimbwa nevashandisi vanopfuura makumi manomwe lakh. Dzimwe nguva kunyangwe iyo yakanakisa musanganiswa wemari inogona kusakunda musika, uye ndipo panopinda Portfolio Health Checker.
Ichakupa kuongororwa kwakaringana kwepodfolio yako, ichikuratidza kana ine hutsinye kana yakanyanyisa kuchengetedza, kana iwe wakanyanya kuratidzwa kune imwe chikamu kana kirasi yeasset, nezvimwe.
Kuvandudza ruzivo rwako rwepodfolio ndizvo zvese zvinotora, uye chishandiso chinoita zvimwe. Iwe unogashira wongororo yakazara, ichikupa mufananidzo wakazara wehutano hwepodfolio yako.
(v) Nyanzvi
Wakambotsvaga here mazano ekudyara kubva kushamwari, vavakidzani, kana vaunoshanda navo?
Kana uri muIndia, ndine chokwadi kuti wakadaro. Paunotanga kuisa mari, mibvunzo haiperi - chii chekudyara mariri, yakawanda sei yekudyara, uye nguva yekudyara ingori muromo wechando. Pinda ET Mari's Genius chimiro.
Maitiro acho atadza kuve nyore. Zvichienderana nenguva yako uye hunhu hwe investor, Genius inokurudzira mapotifolio akasarudzika akagadzirwa nenyanzvi dzeindasitiri.
Aya mapotifoliyo musanganiswa wezvinhu zvakaita seIndia equities, equities yekune dzimwe nyika, goridhe, chikwereti, uye nezvimwe, zvakagadzirirwa kune yako njodzi chishuwo. Uye chikamu chakanakisa? Genius zvakare inoteedzera musika uye inopa ruzivo rwekukubatsira iwe kudzoreredza yako portfolio, kuti iwe ugone kuchengetedza mari yako munzira.
Mutengo wepamwedzi ndeye 249 rupees, kusanganisira GST, uye inobhadharwa kota.
Ndakafadzwa neET Money's flat pricing system, zvinoreva kuti zvisinei nehukuru hwepotfolio yako, unogara uchibhadhariswa mari yakafanana mwedzi wega wega. Uye kune kunyange yakakosha kupihwa kuri kuitika kwaunogona kuwana mwedzi mitatu yekutanga chete makumi mana nemapfumbamwe rupees pamwedzi!
(vi) Inishuwarenzi
Semunhu akashandisa ET Mari kwechinguva ikozvino, ndinogona kukuudza kuti chimwe chezvandinoda nezvepuratifomu ishuwarenzi yayo.
Inopa inishuwarenzi utano uye inishuwarenzi yehupenyu yenguva, ari maviri einishuwarenzi ekutanga einishuwarenzi munhu wese anofanirwa kuva nayo. Aya marongero akagadzirirwa kukupa iwe dziviriro yemari kana zviitiko zvisingafadzi uye kukubatsira kuchengetedza ramangwana revaunoda.
Inishuwarenzi yehupenyu hweTemu, semuenzaniso, inokupa iwe hurongwa hwemunhu zvinoenderana nezera rako, murume kana mukadzi, maitiro (anoputa kana asiri kuputa), uye mari yaunowana pagore. Muchiitiko chekufa kunosiririsa, mari yekukura haina mutero, ichikupa iwe nevadiwa vako rugare rwepfungwa panguva dzakaoma.
Iwe unogona kutogadzirisa mazwi, kuvharwa, kana mamwe mabhenefiti kuti aenderane newe, uye kana zvichidikanwa, unogona kukanzura mutemo mukati memazuva gumi nemashanu.
Kune rumwe rutivi, ET Mari yehutano inishuwarenzi yehutano inokubvumira kutenga chirongwa chehutano hwehutano hwehutano hwemhuri yako yose. Iyi mutemo inopa kuongororwa kwehutano mahara nguva nenguva, uye unogona kuwana marapirwo asina mari kuzvipatara zvinotungamira munyika yose.
Uyezve, unogona kunyange chengetedza mitero kusvika ku15600, uye mutemo unovhara kwete chete mari yekuchipatara, asi mari yese yakasungirirwa pairi, mazuva makumi matatu-makumi matanhatu pamberi kana mushure mekurapwa.
Mushandisi ruzivo uye interface
Semushandisi weET Mari papuratifomu, ndinogona kutaura kuti UI inoshanda uye inoita kuti basa riitwe. Zvikamu zvedhibhodhi zvakanyatsorongeka uye zvinobvumira kukurumidza kuwana kune akasiyana maturusi akadai semari yekubatana, masheya, Genius portfolios, uye macalculator.
Iyo "Akaunti Yangu" sarudzo kumusoro kurudyi chishandiso chinobatsira chinochengeta zvinhu zvako zvese munzvimbo imwechete, zvichiita kuti zvive nyore kutarisa maSIPs ako, matranseksheni, uye imwe data yekudyara.
Kunyange iyo PC vhezheni yakanyatso kurongeka, ini ndinosarudza iyo ET Money mobile app yekureruka kwayo uye mushandisi-ane hushamwari UI. Munyika yanhasi inomhanya-mhanya, zviri nyore kwazvo kubata mari pakufamba, uye iyo app inoita basa rakanaka rekuona kuti vatengi vawana maturusi ese avanoda mune inoshamwaridzana-inoshamwaridzika maitiro.
5. Mari nemhosva
Nesarudzo yavo yeDirect Mutual Funds, unogona kudyara usinganetseki nezve chero mhosva yakavanzika kana makomisheni, zvese panguva yekutenga nekutengesa mayunitsi. Uye, kana iwe uchida kuvhura account yeNPS, pane imwe-nguva imwe chete yekuvhura account mubhadharo weRs 400 + GST.
Pakutengeserana kwega kwega, pane muripo wezita wekurerutsira ungave 0.25% yehuwandu hwekudyara + GST kana Rs. 30 + GST. Kana iri nhengo yavo yeGenius, inouya nemari yepamwedzi ye249 Rupees, kusanganisira GST, iyo inobhadharwa kota.
Asi sezvataurwa muchikamu che'Genius', parizvino vari kupa 'Genius' kunyorera kwe49/mwedzi kwemwedzi mitatu yekutanga.
6. Kutsigira kwevatengi
Kana zvasvika pakutsigirwa kwevatengi, ET Mari yakakufukidzira. Ipuratifomu inopa hupfumi hweruzivo nenzira yemibvunzo inowanzo bvunzwa kuti ikubatsire nekukurumidza kugadzirisa zvinhu zvakajairika. Nekudaro, kana ukasangana nedambudziko risina kuvharwa muFAQs, ET Mari yemutengi kugadzirisa zvichemo inogara iripo kuti ikubatsire.
Ingo simudza tikiti uye timu yeET Mari ichaongorora nyaya yacho nekukasira uye nekudzokera kwauri nemhinduro. Kunyangwe iwe uchitsvaga rubatsiro nenyaya yehunyanzvi kana uine mubvunzo nezveakaundi yako, ET Mari yakazvipira kupa rubatsiro rwaunoda kuti uve neruzivo rwekudyara rusina musono.
7. Kuchengetedzwa uye kuchengetedzwa kwevashandisi data
Kana zvasvika pakudyara, chengetedzo uye chengetedzo zvinogara zvichinyanya kunetseka kwandiri. Nechemumoyo, ndakaona kuti iyo ET Money app inotora zvinhu izvi zvakakomba. Iyo app yakanyoreswa neSEBI, chinova chiratidzo chakanaka, asi chinoisiyanisa chaizvo kushandisa kwayo encryption kuchengetedza data remushandisi.
Pese pandinopinda, ndinoziva kuti ruzivo rwangu uye ruzivo rwekudyara zvakachengeteka uye zvakachengetedzwa kubva pakubirwa kana kushandiswa zvisizvo.
Saka, ndinogona kuzorora zviri nyore ndichiziva kuti ramangwana rangu rezvemari riri mumaoko akanaka
8. Zvikanganiso
Ndichishandisa ET Mari, ndaona zvipingamupinyi zvishoma zvingave zvakakodzera kutaurwa. Kutanga, iyo otomatiki yekuvandudza chimiro cheiyo Genius kunyorera inogona kurwadza kana ukakanganwa kukanzura. Kusiyana nemamwe mapuratifomu, ET Mari haipe pro-reti kudzoserwa kwenguva isina kushandiswa.
Pamusoro pezvo, kuenzanisa kwega kwega kunounza mutoro wekubuda, saka ziva nezvazvo kana uri kufunga kushandisa iyo app kutonga mainvestimenti ako.
Imwe nyaya yandakasangana nayo ndeyekushaya live support. Kana iwe uchida rubatsiro, uchafanirwa kuendesa tikiti uye kumirira kuti ET Mari timu iongorore. Iko hakuna rutsigiro rwefoni rwuripo, saka zvinogona kunetsa kana iwe uchida rubatsiro nekukurumidza.
Chekupedzisira, nepo ET Mari ichiti inopa kurudziro yepodfolio yakasarudzika, sarudzo dzavanopa dzinogona kudzikiswa zvichienderana neruzivo rwaunopa. Zvingave zvakanaka kana vakawedzera mapotifolio avo mune ramangwana kuti vape zvakatonyanya kurudziro yakasarudzika.
Pakazere, izvi zvingori zvishoma zvipimo zvekuziva, asi hazvifanirwe kubvisa kubva kune yakazara yakanaka chiitiko chandakawana neET Money.
9. Zvinokurudzira vashandisi
Kana iwe uri mutsva pakudyara uye kutsvaga chikuva chekubata mari yako, ET Mari inogona kunge iri sarudzo yakangwara. Iyo app inzira inotyisa yekuita kuti tsoka dzako dzinyorove munyika yekudyara, ine mushandisi-ane hushamwari marongero uye akasiyana ekudyara dzimwe nzira dzekusarudza kubva.
Nekudaro, kana zvasvika kune mamwe epamberi kugona, senge ET Money Genius nhengo, ini ndinopa yambiro. Nepo ndine chokwadi kuti akarongedzerwa mapotifolio uye mamwe maprimiyamu maficha anobatsira kune vamwe, handifunge kuti akakodzera kwandiri.
Iwo emahara masevhisi akakodzera kutariswa, asi ndisati ndazvipira kunyoresa pamwedzi, ndinofunga kuenzanisa mari uye zvakanakira.
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