Kudyidzana mari inzira yakanaka yekuti vanotanga kutanga kuisa mari, asi waiziva here kuti makambani mazhinji emutual fund ane mitoro yekubuda inogona kudya pane zvaunowana?
"Kubuda mutoro" izwi rinorasisa zvishoma. Haisi iyo mari yaunorasikirwa kana ukabuda, asi iyo mari yaunorasikirwa kana iwe mbudo nguva isati yasvika.
Izvo zvakakosha kuti semuridzi wemari iwe uzive nzira yekudzikisa mutoro wekubuda mune mutual fund nekuti izvi zvinokubatsira kuchengetedza mari uye kuita mari yakawanda kubva mukudyara kwako.
Mune ino positi, isu tichakurukura maitiro ekudzikisa mutoro wekubuda mune mutual funds kuti iwe ugone kuita zvirinani sarudzo dzekudyara.
Asi chekutanga, ngatinzwisise kuti mutoro wekubuda ndewei, sei uchibhadhariswa, wakasiyana sei nereshiyo yemutengo, uye pakupedzisira, nzira yekuibvisa.
Chii chinonzi Exit Load?
Mitoro yekubuda imari inobviswa yaunotora paunodzikinura mutual funds.
Makambani eMutual fund anobvisa mutoro wekubuda kubva pakukosha kwako inivhesitimendi uyezve ndokupa chiyero. Mazhinji mutual funds ane mutoro wekubuda, asi vamwe havadaro.
Semuenzaniso, kana uine maRs 1 lakh equity mutual fund investment, uye kambani yehomwe ichichaja chikamu chimwe kubva muzana, unogashira Rs 99,000 parudzikinuro.
Buda Mutoro paSIP
Iyo pfungwa yekubuda mutoro muSIPs inovhiringidza vazhinji vanoisa mari. Rega ndikubatsire kuzvinzwisisa zviri nani.
Vagadziri vemari vanotenda kuti kana vakatanga SIP gore rapfuura, havazobhadhariswa mutoro kana vakatengesa mari mukati menguva yakatarwa. Nekudaro, vazhinji vanoisa mari vanozviwana zvisirizvo.
Iyo yekubuda mutoro paSIP yakafanana neyayo kune mamwe ese mutual funds. Nguva yekuvhara-mukati inofanira kupedzwa chikamu chimwe nechimwe cheSIP kunzvenga mutoro wekubuda.
Semuenzaniso: Kana wanga uchidyara kwemakore matatu, kureva, 36months. Kana paine nguva yekuvhara-mukati kwegore, unozokwanisa kudzikinura SIP yako pamwedzi wechi48 pasina kuunza Kubuda Mutoro.
Sei Kubuda Mutoro uchibhadhariswa?
Chikonzero chikuru ndechekuodza vatengesi kuti vasatore mari yavo nguva zhinji. Mutual funds kuisa mumasheya uye zvisungo zvemakambani. Mutariri wehomwe anofanira kutengesa mari yake paunobvisa mari yako uye kukupa mari panzvimbo.
Izvi zvinogona kukonzera kurasikirwa kwakanyanya kune vamwe vanoisa mari mune imwechete mutual fund. Nekudaro, ma AMC anobhadharisa mari shoma paunobvisa mari yako.
Mutual funds inobhadharisa mari yekubuda yekubvisa mari muhomwe nguva isati yakwana.
Izvi ndezvekuodza mwoyo vatengesi kubva pakubuda muhomwe nguva isati yakwana uye kuve nechokwadi chekuti fund manager ane mari yakakwana yaanogona kuti atarisire mutual fund schemes.
Kubuda Kwemutoro kwakasiyana sei neMari Yekureba?
Kutanga, ngatinzwisise kuti mutual fund inoshanda sei. Kudyidzana mari ine chikamu chepasi chezvibatiso uye neasethi manejimendi kambani (AMC) inozvibata.
Iyo AMC inodyara mari yako mune yavo-mu-imba kana yakabatana zvirongwa uye inogadzira inodzoka kubva mairi.
Zvino, izvi zvinodzoka zvinogona kuva muchimiro che govana kubhadhara kana dividement reinvestment zvichienderana nesarudzo yako. Aya ma AMC anokubhadharisa muripo wekutonga mari yako uye muripo uyu unozivikanwa sereshiyo yemutengo.
Zvese zviri zviviri Kubuda Mutoro uye Mutengo Wepakati imhosva dzinobhadhariswa nemutual fund dzimba uye chikamu chechirongwa chako cheNAV (Net Asset Value). Vanokanganisa kudzoka kwako nenzira dzakasiyana, zvisinei.
Iyo yekubuda mutoro imari yaunotemerwa iwe kana ukadzikinura mari yako mukati menguva kubva pazuva rekudyara. Kana iwe ukasateerera kune yakadhindwa yakadhindwa, inogona kuve yakanyanya kudonha pakudzoka kwako.
Nhamba yebhadharo ndiyo mari yegore negore inobhadhara mari yose inoshandiswa nehomwe yeimba, kusanganisira mari yekutonga, mari yekugovera, uye mubairo wevatariri vemari.
Mukupesana, kusiyana nemutoro wekubuda, unobhadhariswa pakudzikinura, zviyero zvemutengo zvinochajwa gore rega rega chero iwe uchiramba wakasimwa mune chimwe chirongwa.
Mutoro wekubuda unotangira paNil kusvika pa6%, nepo Expense Ratio ratio inotangira pa0.5% kusvika pa2.5%.
Uye pakupedzisira, sei kudzikisa kana kubvisa Exit Mitoro?
Kana iwe uchida kuzvichengetera mutoro wekubuda, heano maitiro aunogona kutevera:
1. Gara wakaiswa mari kwenguva yakareba:
Nekubatirira kumari kwenguva yakareba, kukanganisa kwekusagadzikana uye njodzi yemusika inodzikiswa, zvichikonzera kudzoka kuri nani.
Nekugara wakabatikana kwenguva yakareba, iwe unozokwanisa kuwana purofiti kubva mukukwanisa kwekukura kwemasheya uku uchidzoreredza kushata kwemusika mafambiro.
Kunyanya kukosha, Exit Loads ichabviswa.
Kune zvibodzwa zvenguva pfupi, unogona kuisa mari muNguva pfupi yemvura mari kana Bank Deposits kuti ubvise Mitoro Yekubuda.
2. Mutual Funds scheme isina kubuda mutoro:
Kunyangwe dzimwe mari dzemutual dziine mitoro yekubuda yezvirongwa zvese, kune zvakare isina mitoro yekubuda kune mashoma ezvirongwa zvavo.
Saka sarudza nekuchenjera!
Heino rondedzero yemamwe Mutual Fund zvirongwa zvisina Kubuda Mutoro:
- Edelweiss Diversified Growth Equity Fund
- Quantum Yenguva Yakareba Equity Fund,
- TATA Contra Fund,
- DWS Alpha Equity,
- HDFC Index Sensex Plus,
- JM Nifty Plus, uye
- DWS Investment Mukana.
3. Tarisa nguva yekudyara kwako
Kana yako yekudyara horizon iri yenguva refu, saka iwe unogona kuenderera mberi nechero chirongwa.
Nekudaro, kana iyo yekudyara iri yenguva pfupi, homwe yechikwereti kana yemvura homwe isarudzo iri nani nekuti inopa yakawanda liquidity, kuchengeteka, uye yakaderera-njodzi kuratidzwa.
Ongorora ese easina-kubuda-mutoro zvirongwa zviripo uye sarudza imwe inonyatsoenderana neyako yekudyara nguva.
4. Monitor Contingent Deferred Sales Charges
CDSC muripo wekudzikinura kana kuti muripo wekubuda unobhadhariswa nedzimwe homwe dzimba kune vanoisa mari vanodzikinura zvikamu zvavo mukati menguva yakatarwa kubva pazuva ravakagoverwa.
Semuenzaniso, wakaisa mari muhomwe ine CDSC ye2,1,0. Zvinoreva kuti mutoro uchava 2% kana iwe ukabuda gore risati rasvika, uye 1% kana akagara kwenguva yakareba kupfuura gore asi achibuda makore maviri asati apfuura. Iwe unogara nehomwe kwenguva inopfuura makore maviri uye usabhadhara mutoro.
Nekudaro, iwe unogona kutarisa gore pasi peCDSC usati wadzikinura mari yako kudzikisa Mutoro Wekubuda.
5. Dzivisa kazhinji Kuchinja kweMF Schemes:
Kana iwe uchida kushandura kubva kune imwe chirongwa kuenda kune imwe mukati meiyo imwe homwe imba, saka iwe unofanirwa kubhadhara yekubuda mutoro. Mutoro wekubuda nawo unobhadhariswa kana ukadzikinura kana kushandura mayunitsi kubva muchirongwa mukati menguva yakatarwa, kazhinji inosvika gore rimwe.
Zvakare, pane dzimwe nguva apo mutoro wekubuda unobviswa kunyangwe ukatenga mayunitsi gore risati rapera. Semuenzaniso, kana maviri kana anopfuura zvirongwa kubva kune imwechete homwe kambani akabatana, kana chirongwa chikamiswa.
mhedziso
Mitoro yekubuda haingodziviriri iwe kubva pakutengesa zvakanyanya asi zvakare ita sechidziviriro kune mamaneja ehomwe kutora njodzi dzakakwirira nekuda kwekumanikidzwa kwekudzikinura.
Iwe unogona kufunga kuti equity mutual funds isina mutoro wekubuda ichave nani pane avo vane mutoro wekubuda. Asi zvinoenderana nenguva yauri kuisa mari muequity mutual funds.
Chekupedzisira, ndinoda kutaura kuti mari yako inofanirwa kuenderana nezvinangwa zvako uye kugoverwa kwemidziyo.
Kunyangwe mari isina mitoro yekubuda inogona Chengetedza mari, zvinhu zvose hazvifanirwe kuonekwa kubva pakuona mari. Kusvika pachinangwa chako ndicho chikamu chakakosha chekudyara.
Kufara kuisa mari!
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