Kuita sarudzo dzehungwaru dzekudyara izvo zvingave zvine pesvedzero huru pane yako ramangwana rezvemari zvinoda kuti iwe usarudze iyo chaiyo yekuisa mari papuratifomu. Ipuratifomu yakanaka inokupa dzakasiyana siyana dzekudyara dzimwe nzira, maturusi akareruka, uye zano rehunyanzvi kukubatsira iwe kuzadzisa zvinangwa zvako zvekudyara.
Ipo, isingaite-yakakwana-app inozoguma nemikana yakarasika uye mitengo yakakwira izvo zvinokuvadza portfolio yako zvakanyanya.
Kuti tikubatsire mukuita sarudzo yakadzidza, tichafananidza maviri eanonyanyo kufarirwa mapuratifomu ekudyara muIndia, Kuvera, uye Kura, mune ino post.
Iwe unozogona zvirinani kusarudza iyo yekuisa mari inonyatso kuzadzisa zvaunoda uye zvinangwa kana iwe ukaongorora maficha, mutengo, uye sevhisi yevatengi inopihwa nepuratifomu yega yega.
I. Kutanga
Kuvera
Kuvera inzvimbo yerobo-yekuraira yakavambwa muna 2016 naGaurav Rastogi naNeelabh Sanyal, inoshandiswa neArevuk Advisory Services Pvt. Ltd. muBangalore, India.
Iyi puratifomu inopa hurongwa hwemari yega uye masevhisi ekudyara kuita demokrasi kuwana yemhando yepamusoro mazano emari uchishandisa tekinoroji. Kuvera inotsigirwa neEight Roads Ventures, kambani yekudyara mari pasi rose iyo yakatsigira makambani mazhinji ane hunyanzvi, akakwira-kukura.
Iyi puratifomu inopa kurudziro yekudyara yakasarudzika zvichienderana nenjodzi yemushandisi uye zvibodzwa zvekudyara, zvinosanganisira mutual funds, stocks, uye digital gold. Pamusoro pezvo, Kuvera akabatana naye Vested finance kugonesa vashandisi vayo kuisa mari muUS stocks uye ETFs.
Kutarisa kwayo pane tekinoroji, mitengo inokwanisika, uye ruzivo rwemushandisi zvaita kuti ive sarudzo yakakurumbira pakati pevanoisa mari muIndia vachitsvaga yakareruka yega mari uye rwendo rwekudyara.
Kura
Kukura ipuratifomu yekudyara iyo yakavambwa muna 2017 naLalit Keshre, Harsh Jain, Ishan Bansal, naNeeraj Singh. Iyi puratifomu ine hofisi yayo huru muBangalore, Karnataka, uye inopa akati wandei sarudzo dzekudyara, senge yakananga mutual mari uye stockbroking.
Groww yakatanga seyakananga mutual fund yekugovera chikuva muna 2017 uye nekukurumidza yakawana mukurumbira, ikava imwe yeanonyanya kufarirwa mutual fund investment platforms munyika mukati megore.
Mugore rimwe chetero, yakatanga goridhe redhijitari, ETFs, intraday kutengeserana, uye IPOs, ichipa yakazara sutu yekudyara sarudzo kune vashandisi vayo. Nhasi, Kura ine vatengi vanopfuura mamirioni makumi mana uye inonakidza avhareji chiyero che40.
Vanoisa mari vakaita seSequoia, Ribbit Capital, uye Microsoft CEO Satya Nadella vanoitsigira, vachiratidza kutenda kwavo kukuru mukugona kwayo kwekuwedzera mune ramangwana.
II. Zvimiro
Kuvera
(i) Zvemari Zvishandiso uye Calculator
Kubatsira vatengi nehurongwa hwavo hwemari uye sarudzo dzekudyara, Kuvera inopa akasiyana emari maturusi uye macalculator. Iyo SIP calculator, lump sum calculator, FD calculator, PPF calculator, uye mamwe akawanda ane mukurumbira macalculator angori mashoma ezvipo zvaKuvera.
Vashandisi vemakarukureta aya vanogona kufungidzira kudzoka kwavo kwekudyara, kunzwisisa kuti inflation inokanganisa sei mari yavo, uye kuronga zvinangwa zvavo zvemari nenzira kwayo. Aya ma Calculator anogonesa vashandisi kusvika nyore kuzvinangwa zvavo zvemari uye kuita sarudzo dzakadzidziswa dzekudyara.
(ii) US Stock Investing
Kuburikidza nekubatana kwayo ne Yakashongedzwa, Kuvera inopa vatengi vayo mukana wekudyara mumakambani eUS. Nechishoma chinodiwa chekudyara chemadhora gumi chete, sevhisi iyi inogonesa vatengi kunakidzwa nekomisheni-yemahara kuratidzwa kumusika weUS equities.
Iyo US stock investing basa pa Kuvera inopa vatengi sarudzo yakakura yeimwe nzira dzekudyara, nekuwana kune anopfuura 1000 makambani uye ETFs. Vashandisi vanogona kupedzisa KYC nekukurumidza uye nyore nekuti kuseta uye kupedzisa maitiro anongotora maminetsi mashanu.
Vashandisi vanogona kukurumidza kusiyanisa yavo yekudyara portfolio uye kutora mukana wemikana inopihwa neiyo US stock market nerubatsiro rwesevhisi iyi.
(iii)Kuisa Chinangwa
Kubudirira kwemari kunoenderana nekuva nechinangwa chekudyara kwako uye kuchengetedza.
Unogona kutsanangura zvinangwa zvako zvemari uye woita chirongwa chekudyara chakasiyana uchishandisa Kuvera's “Seta Chinangwa Chako” basa. Kuvera achakubvunza mibvunzo yakawanda yekugadzira chirongwa chinoshanda kune imwe mamiriro ako ezvinhu, ungave uri kuchengetedza zvekurega basa, dzidzo yemwana, kana kubhadhara pamba.
Sarudza huwandu hwaunoda kuchengetedza, kureba kwekudyara, uye kushivirira kwako njodzi uchishandisa "Seta Chinangwa Chako" chishandiso. Zano rako rekudyara richagadziriswa naKuvera zvichienderana nemhinduro dzako uye zvinangwa zvako, huwandu hwekudyara, uye horizon yekudyara.
Nerubatsiro rwechishandiso ichi, unogona kudyara uine chivimbo uchiziva kuti mari yako inoenderana nezvinangwa zvako.
(iv) Joint Account
Vagadziri vemari vanogona kubata zvisingaite nhengo dzemhuri dzekudyara maakaundi munzvimbo imwechete neKuvera's Joint Account basa. Zvinoita kuti zvive nyore kuronga uye kubata hupfumi hwemhuri nekupa mabatiro akaenzana kumari iri pasi peiyo logon.
Ichi chishandiso chinoita kuti zvive nyore kuteedzera uye kubata akasiyana mapotifolio ekudyara, zvichiita kuti zvive zvakanyanya kubatsira kumhuri dzinoda kubata mari dzadzo pamwe chete. Vanoisa mari vanogona kungo tarisa nekutarisa mabhindauko avo neKuvera's Joint Account uye vova nechokwadi chekuti vari kuenderana nezvinangwa zvemari zvemhuri yavo.
Iri basa rinoratidza kuzvipira kwaKuvera kupa vatengi nzira dzekudyara uye dzinoshanda dzekudyara.
(v)Smart Save Feature
Iyo Smart Chengetedza basa reKuvera rakagadzirirwa vashandisi vanofarira kudyara kwenjodzi uye nyore kuwana mari. Iri basa rinopa sarudzo dzekudyara mvura yekuvhara mari isingatarisirwe. Iyo yakatwasuka uye inokurumidza sarudzo ine mukana wekubvisa kusvika ku2 lakhs kana 90% yezvinhu zvako mumaminetsi makumi matatu.
Iyi mari yekudyara inzira iri nani pane yakajairwa maakaundi ekuchengetedza sezvo vakaunza inoremekedzeka yegore negore kudzoka inosvika 5% pamakore matatu apfuura. Naizvozvo, Smart Save ndiyo yakakunakira iwe kana iwe uchitsvaga yakaderera-ine njodzi sarudzo yekudyara iyo inopa yakapusa liquidity uye inoremekedzeka kudzoka.
kura
(i) Equity uye Mutual Fund Investment
Kune veIndia vanoisa mari pamunhu, Kukura ndeye inozivikanwa yekudyara app inopa akasiyana equities uye mutual fund dzimwe nzira. Nekuda kweiyo mushandisi-inoshamwaridzika dhizaini uye dzakasiyana siyana dzekudyara sarudzo, ndeimwe yeanonyanya kushandiswa zvirongwa zveSIP investments.
Iyo app inopa nyore kuwana kune akati wandei equity zviridzwa, zvinosanganisira remangwana, sarudzo, uye intraday kutengesa. Pamusoro pezvo, Kukura inopa sarudzo yakafara yemari yemubatanidzwa, kusanganisira mutero-wekuchengetedza mutual fund pamwe nehombe-cap, diki-cap, uye akasiyana hybrid mutual funds.
Kuti udzivise vanoisa mari kubva pakurasikirwa kwavo, software inotumirawo mameseji uye zviyeuchidzo. Groww yakazvimisikidza seyekuenda-kukudyara app kune vakawanda vanoisa mari muIndia nekuda kweiyo mushandisi-inoshamwaridzika marongero uye akasiyana emikana yekudyara.
(ii) US Equity
VekuIndia varimi vega vari kuramba vachifarira kuisa mari muUS equities. Kura inoziva nezvemaitiro aya uye inopa mukana kuUS equities, kusanganisira inozivikanwa mhando semakambani eFAANG uye indexes seS&P 500, kune vatengi vayo.
Kunyangwe vamwe vanoisa mari vachiona kudyara mari muUS equities semutengo, Kukura inopa chidimbu chekudyara, izvo zvinoita kuti vashandisi vatenge chidimbu chechikamu pasina kubhadhara chikamu chose.
Pamusoro pezvo, mari yekudyara muchikamu haina mari yekuwedzera, zvichiita kuti ive nzira ine musoro kune vanoisa mari muIndia kuwana misika yeUS. Vashandisi vanogona kusiyanisa zvisingaite mapotifolio avo uye kuwana mukana kumisika yepasirese neKukura.
(iii)Makarukureta
Kunyangwe iwe usiri nyanzvi mune zvemari, munhu wese anogona kushandisa uye kuwana macalculator emari anopihwa neKukura.
Aya ma Calculator anokupa iwe wakanyatso uye wakazara mufananidzo wemari yako portfolio uye anokubatsira mukuita sarudzo dzakangwara. Iwe unogona kutarisisa zvibodzwa zvako zvemari, kubata mari yako zvinobudirira, uye kuramba uri pamusoro pemari yako uchishandisa Groww's macalculator emari.
Aya ma Calculator zvakare anobvumidza iwe kuti uongorore mhedzisiro yeakasiyana ekudyara mamiriro uye shandura zvirongwa zvako zvinoenderana kuti uwane mhedzisiro yaunoda.
(iv)Personal Finance Glossary
Avo vari vatsva pakudyara uye mari yavo pachavo vanogona kubatsirwa zvakanyanya kubva kune Grow's personal finance glossary. Zvinoita kuti zvive nyore kufamba munyika yezvemari nekupa vatengi tsananguro dzezvakaoma-kunzwisisa mazwi emari.
Vashandisi vanoshandisa sevhisi iyi vanogona kunzwisisa zvirinani izwi rezvemari uye kuita sarudzo dzakadzidza dzekudyara.
Groww's lexicon inowanzo gadziridzwa kuratidza zvichangobva kuitika muindasitiri yezvemari. Kukura duramazwi rezvemari pachezvako rinogona kunge riri chishandiso chinobatsira kwauri iwe ungave uri mutsva kana investor ane ruzivo.
(v)IPOs
Kambani inogadzira mari kuburikidza nekutanga kupihwa neveruzhinji, kana IPO, umo migove yaro inotanga kuwanikwa kune veruzhinji. Kukura kunoita kuti vanoisa mari vatore chikamu mumaIPO emabhizinesi ari kuuya-uye-uye kuenzanisa kugona kwavo kwekusimudzira.
Inopa vanoisa mari chikuva chekunyorera migove mukutanga kupihwa neveruzhinji uye zvakare inoparadzira ruzivo nezve anouya IPOs. Vagadziri vemari vanogona kukurumidza uye nekungonyorera maIPO pamhepo uye vatarise mari yavo mune chaiyo-nguva neKukura.
Nerubatsiro rwechinhu ichi, vanoisa mari vane mukana wekubhadhara mabhizinesi ekuvandudza uye anovimbisa nemukana wekuzowana pundutso kubva mukuwedzera kwavo.
III. Fees uye Charges
Kuvera
Kunze kwechiyero chemutengo chakatemerwa neimwe homwe imba, Kuvera ipuratifomu yemahara inopa inonakidza ruzivo rwekudyara pasina yekuwedzera kana AMC muripo. Iko hakuna mari yekomisheni nekuti saiti inopa chete zvirongwa zvakananga.
Mamiriro echinyorwa chino anowanikwa kuti aongorore mahara. Nekudyara mumasheya eUS, Kuvera akabatana neVested.
Vested inobhadharisa $399 imwe-nguva yekuseta account mutengo kuvhura account yekudyara yeUS. Nekudaro, kutenga kana kutengesa masheya kana ETFs paVested ndeyemahara.
Kura
Groww inobhadharisa maRs chete. 20 kana 0.05% yehuwandu hwekutengesa kukosha, chero idiki, zvinoenderana neyakajeka uye yakajeka yemhando yemitengo yemitengo. Vagadziri vemari vanofanira, zvisinei, kubhadhara kumwe kutengeserana, kudzora, uye Demat mubhadharo pamusoro peiyo brokerage.
Groww inopawo karukureta inobatsira inoratidza mubhadharo uyo vatengi vemasheya vangave nebasa rekubhadhara, kusanganisira STT, mari yekuchinjana yekuchinjana, mari yeSEBI, GST, uye Stamp duty. Kune vanoisa mari, kutanga account neKukura kuri nyore nekuti hapana kuseta kana mari inoenderera.
IV. Mutengi Tsigiro
Kuvera
Unogona kuonana nechikwata chekubatsira chaKuvera munzira dzakawanda sezvo vaine rutsigiro rwakanyanya rwevatengi. Iyo AI-powered chatbot pane saiti inogona kukubatsira neakasiyana emibvunzo yakajairika uye matambudziko.
Unogona kutumira tikiti pane saiti kana kutumira email kune [email inodzivirirwa] kana mubvunzo wako wakaoma. Vafonera panhamba dzinoti 08618076010 kana muchida kutaura nemunhu zvakananga.
Kuvera inova nechokwadi chekuti vatengi vayo vanowana nekukurumidza uye nekuvimbika sevhisi yevatengi nekupa dzakasiyana siyana sarudzo.
Kura
Kubatsira vashandisi vane chero mibvunzo kana matambudziko, Kukura kunopa dzakasiyana sarudzo dzebasa revatengi. Vashandisi vanogona kusimudza matikiti pazvidzidzo zvakasiyana nekuenda kunzvimbo yekutsigira yeapp. Pamusoro pezvo, Kura inogona kufonerwa nefoni pa +91-9108800604 kana neemail pa. [email inodzivirirwa].
Vashandisi vanogashira sevhisi inokurumidza kubva kune vane ruzivo uye vanobatsira vatsigiro. Kukura kunopa dzakasiyana siyana dzakasimba dzekubatsira vatengi dzimwe nzira dzekuvimbisa nzira yakapusa uye isina kunetseka yekudyara.
V. Zvakanakira nezvazvakaipira
Kuvera
Zvakanakira Kuvera:
- Yemahara mari manejimendi chikuva
- Zviri nyore-ku-kunzwisisa portfolio mharidzo ine magirafu uye machati
- Sarudzo yekuisa mari mugoridhe redhijitari
- Zvakanaka kutsigirwa nevatengi
Cons of Kuvera:
- Iyo interface inogona kuve yakaoma kune vamwe vashandisi
- Yakareba KYC maitiro
- Iyo mutual fund yekuenzanisa chimiro haina kunyatso shanda
Kura
Zvakanakira Kukura:
- Zero yekuvhura account uye muripo wekugadzirisa
- Inopa IPO mukana wekudyara
- Paperless kuvhura account maitiro
- Mushandisi-ane hushamwari UI
Cons of Grow:
- Hapana kutonga kwemari kana kuteedzera chimiro
- Zvishandiso zvishoma zvekutengesa zviripo, sekushaikwa kwezvinhu uye kutengesa kwemari
- Kwete zvakanaka yekutengesa chikuva sezvo ichishaya epamberi maficha seGTT, AMO, nezvimwe.
- Hapana masevhisi ekuraira kusvika parizvino
- Rutsigiro rwefoni haruna kusvika pachiratidzo
VI. Mhedziso
Ose Kura uye Kuvera mapuratifomu akanakisa anogona kugarisa akasiyana ekudyara zvinodiwa. Zvakafanana nekusarudza pakati pechokoreti uye vanilla ice cream, iyo yakanaka chero nzira, sarudzo inozopedzisira yadzika kune yako sarudzo.
Kura ndiyo nzira yekuenda nayo kana iwe uri mutsva uchitsvaga mushandisi-inoshamwaridzika mari yekushandisa. Zvisinei, Kuvera inogona kunge iri sarudzo iri nani kana iwe uri investor ane ruzivo uchitsvaga iyo-in-one-imwe mari manejimendi papuratifomu ine yepamusoro-notch vatengi sevhisi.
Asi pane kungosarudza imwe chete, wadii kuvapfura vese?
Runako rwekudyara nderwekuti hapana kana imwe nzira, inoshanda pasi rese. Saka enda mberi uedze zvinhu zvitsva; haumboziva, unogona kuwana rudzi rutsva rwekudyara rwawakanga usingazivi kana rwuripo!
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