Iwe unoziva nekudyara mu equities, mutual funds, uye misika yemasheya. Asi portfolio diversification theory inotiudza kuti 95% yemapatoti anodzoka anobva mukusiyana pakati pemamwe makirasi emidziyo.
Fixed mari kana mabhondi, dzimba dzekugara uye dzekutengesa zvivakwa, maasset lease, inventory, venture capital investments, kana ngirozi inodyara mari mumakambani inopa zvimwe zvinhu zvinosiyanisa portfolio yako kupfuura zvinhu zvakajairwa senge equities uye. goridhe.
Zvekudyara zvekare zvakapihwa kune vanhu vane mari yakawanda vane saizi yakakura yetikiti yekudyara.
Wint Wealth uye Grip Invest ndiwo mamwe mapuratifomu ekudyara maunogona kudyara nekusiyanisa portfolio yako pakati pezvinhu zvisina hukama.
Munguva dzekusagadzikana, kuisa mari mune imwe nzira yekudyara inzira inoshanda yekusiyanisa njodzi.
Chii chikuru bhizinesi zano reWint uye Grip?
Wint akagadzira nzira yakadzama yekufambisa kudzika kwemusika wemabhondi muIndia kuburikidza nekutora chikamu chekutengesa.
MuIndia, mari yemabhondi pamusika inogumira kukudyara nemabhanga ekutengesa uye bond mutual fund. Wint inotarisa pazvisungo zvepachivande kana zvikwereti zvakanaka zvekambani, izvo zvinopa goho guru.
Kana ukaisa mari kuburikidza nehomwe yemabhondi, goho pabhondi mutual fund rinodzikiswa neFund Manager's asset management fees uye dzimwe mari dzekushandisa.
Sezvo bond fund returns ichibhadhariswawo mutero, hauwane chiyero chakakwirira chekudzoka pamabhondi. Kare, mari shoma shoma yaive yakakura zvisingaite kana uchitenga mabhondi, akaiswa paRs. 10 Lakhs pabhondi. Izvi zvinoreva kuti haugone kugadzira yako bond portfolio kuburikidza yakananga mari.
Wint inoita kuti iwe ukwanise kuisa mari yakananga mumabhondi nekuchengetedza mabhondi kuita mashoma akakodzera kune vatengesi vezvitoro. Wint inokutendera kuti uise mari yakananga muNBFC-yakapihwa mabhondi, ayo anotakura goho rakawanda nekudyara kushoma kwe10,000.
Kunze kwemubhadharo wakakwira zvishoma wakabhadharwa pakutenga bond, mitero chete ndiyo inoderedza goho rako rose. Izvi zvinopa kupararira kukuru kana zvichienzaniswa neakajairwa madhipoziti ebhangi, uye zvakare ine mukana wekuita mubhadharo wakagadziriswa.
Grip, zvakasiyana, inopa dziva dzeasiti dzakachengetedzeka senge asset leases, inventory, musha uye venture capital uye yekutanga-up transactions. Zvekare, zvinhu izvi zvinopihwa pazvishoma zvekutengesa, zvichiita kuti kuisa mari kuve nyore.
Ose ari epamhepo fintech mapuratifomu anopa kumwe kuisirwa mari kwakachengetedzwa muzvitoro zvishoma umo mudiki mutengesi anogona kutora chikamu.
Izvo zvakasikwa zvekudyara zvinopihwa navo kusimuka kubva kune zvakajairwa kudyara, izvo zvinozivikanwa kwauri uye zvinopa yakanaka misiyano mikana yemapotifolio yako uye mihoro yemari.
Kudyara kwavo kunopa mihoro yenguva dzose, kunze kweyakavanzika equity, uko kudzoserwa kunowanikwa chete paIPO uye kunyorwa pane stock exchange.
Misiyano mikuru pakati peWint uye Grip
S.No | Particulars | Wint | Grip |
1 | Rudzi rwekudyara | Mukuru, Akachengetedzwa Mabhondi eNBFC | Securitized asset leases, inventory uye yekutengesa real estate zvese zvakatsigirwa neasset, uye venture capital / yekutanga-up equity. |
2 | Kuderera Investment | Rs 10,000 | Inosiyana kubva kuRs. 10,000 yekurejesa midziyo uye inventory inokwira kusvika kuRs. 1,00,000 yekutengeserana real estate uye venture capital |
3. | Chengetedzo/Chibatiso | Mabhondi acho ma<em>senior bond zvinoreva kuti anotsigirwa nechibatiso uye chinzvimbo chekutanga mukubhadhara mubereko nekubhadhara kana kambani ikaparara. | Asset leases, inventory, uye zvekutengesa zvinotsigirwa neasset, zvinoreva kuti vanobhadhara kubva mukuyerera kwemari yezvinhu. Venture capital kana yekutanga-capital ine njodzi uye iri pasi pekubudirira kubviswa kweiyo venture |
4 | The tenor of the investment | Kazhinji kusvika makore maviri. | Yakasiyana tenor inopihwa, inventory investments inotangira pamwedzi 1 kusvika 6 uye asset-backed leases kubva pa24 kusvika 36 months. Real estate investments ine refu tenor, uye venture capital uye yekutanga-up capital ndeyenguva refu kusvika pakubuda kwekudyara. |
5 | Kubhadhara kwekudzoka | Bond mari yemubereko inogona kuva hafu-gore kana kota. | Imari yemwedzi wega wega kana iri yekurejesa-inotsigirwa neasset kana hesiti, iyo yekutengesa real estate inobhadhara goho kota, uye kana iri venture capital, kudzoserwa kunoitwa zvichibva pane kuwanda kwekuchengetedza kunowanikwa pakunyorwa. |
6 | Ipai | Goho rinogona kunge rakatenderedza 11% pa pre-mutero | Asset-backed leases inopa goho rinosvika 21% pa pre-mutero, inventory inopa 12% pre-mutero goho, yekutengesa real estate inopa 11% pre-mutero, uye venture capital inogona kuwanda kakawanda zvichienderana neakabudirira rondedzero. |
7 | Dambudziko repasi | Chikwereti chekambani cheNBFCs | Leases uye hekatori kiredhiti yemakambani, kiredhiti yekutengeserana ndeyeMNC maroja, uye venture capital ndeyekudyara uye venture vadyidzani (yakanyanya-njodzi chikamu). |
Unogona kuverenga yedu yakazara wongororo ye Grip Invest pano. Uye, iwe unogona zvakare kuverenga yedu yakazara Wint Wealth wongororo, pano.
Kufanana pakati peWint uye Grip
Ose ari epamhepo tech mapuratifomu anofambisa nyore kudyara. Ose ari maviri anopa universe yeimwe investments. Ose ari maviri anopa yakachengetedzeka-yakatsigirwa yekudyara mikana yevatengesi vezvitoro. Vese vari vaviri vanobatsira yako portfolio kusiyanisa nekupa zvinhu zvisina hukama. Mari yavo inobereka zvakanyanya.
Investment inopihwa nevese iri pasi pechikwereti default njodzi kana iri mabhondi, asset-backed leases, inventory, uye yekutengesa real estate.
Kune zvakare njodzi yekushomeka kwemari uye njodzi yekubiridzirwa. Kudyara kwavo kunopa dziviriro nekuti ivo vanobatanidzwa. Venture capital iri pasi penjodzi yemusika kubva kumusika wemasheya kana kusawana mabhenefiti ezvinyorwa pane rondedzero pakuchinjana.
Zvakare, kutanga-ups makambani ekutanga-danho ane bhizinesi modhi inogona kutadza, zvichikonzera kurasikirwa kwemari yako.
Zvitsva Zvitsva:
Semutengesi anotengesa mari, une mukana usati wamboitika wekudyara mune imwe mari. Kuburikidza nezvipo zvavo zvepamhepo, Wint uye Grip vakapa mukana wakanaka wekusiyanisa yako portfolio holdings.
Uyezve, aya makirasi easset haana hukama nemisika yemasheya uye anopa mwero wekudzoka wakakwira. Mushure medenda reCovid-19, midziyo yemakambani inowanikwa pamitengo yakachipa, zvichiwedzera kudzoka kwako.
Iwe unowana mukana weiyo yakadzikama mari yekuyerera nekudyara mune izvi zvinhu. Kana iri venture capital, iwe une mukana wekutora chikamu pamitengo yakaderera zvakanyanya, zvakanyanya pamberi pemusika rondedzero.
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