Kune matani Investment apps muIndia. Heino imwe, inonzi MoneyJar.
Kwemavhiki mashoma apfuura, ndanga ndichiedza iyo MoneyJar app - "Jargon Yemahara" mutual fund investment platform yevanotanga.
Heino ongororo izere yeMoneyJar yekukubatsira kuti usarudze kana uchifanira kutanga kudyara nepuratifomu iyi kana kuti kwete.
Chii MoneyJar?
MoneyJar anobatsirwa kubatana mari Investment platform. Inosiyana kubva kumapuratifomu akadai Kura, ndarama uye ETMoney munzira mbiri:
- Inobatsirwa - iwe unowana rubatsiro nekudyara kwako uye kune homwe portfolio yakachengetedzwa neMoneyJar zvichienderana nezvakawanda zvinhu zvinosanganisira njodzi, chikamu uye liquidity.
- MoneyJar inoshanda sechipangamazano - Haufanire kutarisisa mari yako nguva nenguva kana usingade - MoneyJa ichakuverengera portfolio yako (izvi zvinoshanda chete kana wabvumidza)
Nepo MoneyJar ichikubatsira nehurongwa hwekudyara, ivo vachiri komisheni-yemahara mutual fund investment platform. Haufanire kubhadhara chero mari dzemasevhisi avo.
Chinangwa chavo chikuru ndecheku "gadzira mamiriro ezvehupfumi ari nyore kushandisa uye anopa mubairo kumunhu wese."
Yakatangwa naRohan Agarwal naShrenik Patel kumashure muna 2017 (Chikuva chavo chaicho chakararama muna 2018 zvakadaro).
Vabva vavandudzika zvakanyanya. Webhusaiti yavo yave yakanyanya intuitive uye iyo Yese Signup-to-investment friction yadzikira zvakanyanya.
Ngatitaure nezveMoneyJar's Investment Jars - Yavo mureza chigadzirwa. Zvadaro tichazokurukura kana uchifanira kutanga kuisa mari neMoneyJar.
Investment "Jars" by MoneyJar
Jars iunganidziro yeakawanda mutual funds yakarongedzwa mune imwe mari yekushandisa neMoneyJar nyanzvi. Kune akawanda Jars akavakirwa pane akasiyana madingindira akadai se:
- Safe Jar
- Hapana Stress jar
- Adventurous Jar
- Mutero Saver Jar
- Kutanga SIP Jar
uye zvakawanda.
Majari akaiswa muzvikamu zvakasiyana seEssential, Thematic, Advanced uye MoneyJar picks. Imwe neimwe Jar ine akawanda mutual mari yekusiyanisa midziyo.
Nyanzvi dzeMoneyJar dzinotora mutual funds kumaJar ese. Iwe haugone kuchinja pakati pemari iwe pachako.
Chikamu chega chega mari iri muJar imwe neimwe inoongororwazve uye inodzokororwa kana zvichidikanwa. Masevhisi akaita sekuenzanisa pakati pemari anowanzo kubhadhariswa nemafemu, mapuratifomu uye mamaneja.
Tichifunga kuti MoneyJar haibhadharise chero masevhisi avo, izvi zvakanaka.
Iwe unogona kusarudza anopfuura rimwe Jars uye kutanga SIPs kana kungoisa mari nguva imwe chete. Kuti uzive zvakawanda nezve chinangwa cheJar, mari mukati mayo, capital capital fungidziro uye nezvimwe, unofanirwa kudzvanya pane More Info link.
A popup ichaonekwa, seizvi:
Iyo Jar ruzivo popup ine yakakosha data nezve kuita kwekare kwemari mukati, uye nei nyanzvi dzeMoneyJar dzichikurudzira.
Ungatanga sei kuisa mari neMoneyJar?
Kuita mari kuburikidza neMoneyJar, heano matanho mashoma aunozofanirwa kutevera.
Nhanho 1: Shanya MoneyJar.in uye kugadzira nhoroondo.
Danho 2: Pedzisa KYC yako. Wobva wadzvanya paGadzira Jar.
Danho rechitatu: Kana wangobvumira, wagadzirira kusarudza Jar. Sarudza Chirongo chaunofunga kuti chinokodzera ongororo yako yenjodzi. Semuenzaniso, kana iwe uri mushandi anobhadharwa, usina nguva kana chido chekudzidza musika, uye uchingoda kukura chikamu chemari yako, unosarudza homwe yekukura kana homwe yeIndex.
Nhanho 4: Isa iyo mari yaunoda kuisa. Sarudza iyo frequency yekudyara, kana iwe uchida kutanga SIP, sarudza mwedzi wega wega. Zvikasadaro, sarudza imwe nguva. Kunze kwekunge iwe uri kuisa mari mune ELSS fund kuchengetedza mutero, hazviiti chero pfungwa yekuisa imwe nguva mune mutual funds.
Danho 5: Tarisa girafu yekufungidzira.
Iwe unogona kuona kuti mari yako ichakura sei mumakore ese. Nzwisisa iyi data haisi chiratidzo chakanaka chekushanda kwehomwe. Dhonza pasi pechiratidzo chegirafu uye iwe unogona kuona iyo mutual funds yauri kuisa mairi.
Danho rechitanhatu: Pese paunenge wagadzirira kutanga SIP yako, tinya bhatani reInda kumusoro.
Iwe unozoona popup yekusimbisa, ichikuzivisa iwe nezve SIP yemazuva ekubvisa mari uye mamwe mazwi akakosha nemamiriro.
MoneyJar Investment Strategy
MoneyJar inoshandisa iyo Modern Portfolio Theory sechikamu chakakosha chehurongwa hwekudyara. Iri zano rinoshandiswa mukugadzira aya Jars iwe, nemari yako.
Yemazuvano Portfolio Theory inosimbisa matatu epakati pekudyara mitemo:
- Diversification
- Ngozi yekudzoka kuongororwa
- Kuva anonzwisisa investor
Mafungiro ari shure kweiyi dzidziso ndeyekudzikisa njodzi uye kuwedzera kudzoka. Iri izwi reuphoric kune vatsva vanoisa mari. Nzira iri nani yekuitsanangura ingave: Ngozi yakatorwa = Inodzoka.
MPT inokubatsira kuti uwedzere kudzoka nekupa zano rekusiyana, kudzvanya zviwanikwa uye kutora sarudzo dzine musoro pasina kumanikidzirwa manzwiro. Mukupedzisira, madzosero anogona kusakunda MEME stock, asi inzira yakasimba yekuvaka hupfumi uye mikana yekuti iwe urasikirwe nechikamu chakakosha chemari yako yakadzikira.
Izvi zvinorevei kwauri iwe seInvestor?
Sezvo MoneyJar ichigadzirira nzira yayo yekudyara zvichibva paMPT, iwe unofanirwa kukwanisa kuita mari inowirirana pasina kuwana mukana wakawandisa kune imwe chaiyo chikamu. Saka iwe unofanirwa kukwanisa kuwana nekukasira kusagadzikana kwemusika uye kuparara kwemusoro.
Iwe hausi kuzodyara mune zvine njodzi zvekudyara zviridzwa uye haufanirwe kunetseka nezvekurasikirwa nemari yako. Sezvo uri kuisa mari mune mutual funds iyo inotengeserana zvakananga mukuenzana, pane nguva dzose njodzi yekurasikirwa nemari. Zvisinei, hazvishamisi kuti yakanaka mutual fund inoenda kune vatengesi vayo.
Nekudaro, kana iwe ukadyara mune isiriyo mutual funds iyo isingasiyanise zvakakwana, tora njodzi isingakoshi uye nekuita mune shady insider favours, unogona kurasikirwa nemari yakakosha.
Muenzaniso wakanaka ungave iwo Dambudziko reDHFL uye zvarinoita pachikwereti mutual funds. Ramba uchifunga, Chikwereti mari inoonekwa seyakachengeteka zvakanyanya pane equity mari.
Tora Chikwereti cheOverdraft Chipokana NeMari Yako Yekudyidzana
Iwe unogona zvakare kutora chikwereti uchipokana nekudyara kwako uchishandisa Moneyjar. Iwe haufanirwe kuisa mari uchishandisa MoneyJar kuti uwane chikwereti, asi iwe unozoda mutual funder inotungamirwa neCAMS uye HDFC bank account.
Chikwereti chinopesana nemutual funds chikwereti che overdraft, rudzi rwaunowana paFDs. Iyo equity margin yezvikwereti zveoverdraft pane mutual funds ndeye 50% uye 70% pamari yechikwereti.
Kana wangobvumidzwa muganho we overdraft, unogona kubata chikwereti ichi semutsara wechikwereti. Haufanire kubhadhara chimbadzo pachiyero cheoverdraft yese. Mubereko wacho unongoshanda pamari yaunobvisa pamari yako yese ye overdraft.
Maonero angu
Pakushanya kwangu kwekutanga kuwebhusaiti yeMoneyJar, chikamu ichi chakaita kuti ndifunge kuti chaizopa mamwe mazano ekubatsira mutual fund investment. Kana kuti zvirinani, nzwisisa ongororo yangu yenjodzi uye kurudzira zvirongwa zvakakodzera zvinoenderana ne "ZVANGU" zvinodiwa.
Chikamu chiri pamusoro chinoti “Pindura mibvunzo mishoma iri nyore. Zvichienderana nezvaunotiudza, tichaona mari yakanaka kwazvo yaungaite."
Nekudaro, iyo nguva yaunosaina uye wotanga kutarisa-tarisa dashboard, hauone chero mibvunzo. Hapana chinokubatsira kuti unzwisise kuda kwako njodzi. Izvi zvinoreva zvakare kuti hapana kurudziro kwauri.
Ziva kuti havatauri pachena kuti vachakukurudzira chero mutual fund (kana seti yemari). Iwe unogona kusarudza kubva kune akawanda Jars aripo - asi unofanira kuziva zvaunoda - inochengetedza, iri pakati nepakati kana kukura kwehasha.
Asi meseji "Zvichienderana nezvaunotiudza, tichaona mari yakanaka kwazvo yaungaite." zvinorasisa. Beauce unogona kuvaudza chero chinhu sezvo vasingabvunze.
Semuenzaniso, kana iwe ukasaina Yakashongedzwa kana INDMoney, unowana yakadzama yemibvunzo inobatsira aya mapuratifomu kunzwisisa ongororo yako yenjodzi. Iwe unoshuvira kuve nehukasha kana kuchengetedza sei nekudyara kwako. Ipapo ivo vanopa akasiyana curated portfolios akasiyana engozi profiles.
INDMoney ine Mabhasikiti - akafanana neanopiwa neMoneyJar. Iwe unogadzira chinangwa muINDMoney app uye zvichienderana nerudzi rwechinangwa chako, huwandu hwese, mari yaunowana, nguva yekuzadzisa chinangwa chaunopihwa yakananga tswanda yeMutual Funds. Uye ipapo iwe unogona zvakare kufanotaura kuti uchakurumidza sei kuzadzisa chinangwa chako, kana paine kushomeka, mutero wakawanda sei, mutero wemari waunoda kubhadhara nezvimwe. Zvakapfuura chiitiko chiri nani kana iwe uchida kupedza imwe nguva uchidzidza.
Kana iwe uri mumwe munhu anongoda kutanga kudyara muMutual Funds uye kuderedza njodzi yese yekurasikirwa nemari nekusarudza mari isiriyo, MoneyJar ipuratifomu yakakwana.
Kana kuti zvimwe kana uine chinangwa chenguva pfupi mupfungwa.
Zviri nyore. Ndiyo mukana mukuru weMoneyJar.
Iwe unosaina, mirira kwemaminetsi mashoma kuti account yako itenderwe uye wagadzirira kusarudza kubva makumi eJar akasiyana. Imwe neimwe Jar yakatsaurirwa kuzadzisa chinangwa uye wakasununguka kusarudza chero.
Mukudzvanya kudiki, maSIPs ako anotangwa. Sezvo ipuratifomu yekuraira, iwe unogona kutosarudza kubvumidza kudzoreredzwa kweiyo portfolio yako kuti usazoshingairira kunetseka nezve mari yako. Zvinonzwika zvakanaka. Nekuti kana iwe uchizopedza nguva uchifunga nezve mari yaunodyara muMutual Funds, iwe unofanirwa kutanga wanzwisisa musika wemasheya.
MoneyJar yakandifadza chose nekusarudzwa kwemaMutual Funds mumaJari avo. Kunyangwe iwe ukasarudza kubva kune mamwe ane hukasha (Kukura) Jars, mari yauri mari inogoverwa kune yakasimba kwazvo, ine njodzi yakaderera uye ine yakaderera kushanduka mwero. Vanorova INDMoney panyaya iyi.
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