Litlhoko tsa hau tsa lichelete lia eketseha ha u ntse u tsofala, 'me ka tšohanyetso u fumana hore moputso o tsitsitseng oa khoeli le khoeli o ke ke oa lekana ho koahela ntho e' ngoe le e 'ngoe.
U tla hloka leano le bohlale la matsete le fanang ka chelete e lekaneng ha ho hlokahala le ho etsa mesebetsi ea hau ha u le sieo.
Lichelete tse kopanetsoeng ke tse ling tsa menyetla e ntle ka ho fetisisa ea ho tsetela, eo u ka e khethang ho latela nako ea hau le takatso ea kotsi.
Empa u khona ho etsa see joang? Ha re e hlahlobeng.
Mutual Funds ke eng?
Sesebelisoa sa lichelete se bitsoang mutual funds se bokella chelete ho batseteli ba 'maloa. Ka mor'a moo, lichelete tse kopantsoeng li lichelete ka thepa e kang litoko tse thathamisitsoeng tsa khamphani, libonto tsa khoebo, libonto tsa mmuso, le makhabane a rekisoang.
Joaloka motho ea nang le kabelo, ha u mong'a sebele oa lichelete tsa khampani tseo lichelete tse kopanetsoeng li li rekang. Leha ho le joalo, o arola melemo kapa tahlehelo ka tsela e tšoanang le batseteli ba bang. Ke kamoo letlōle la lichelete le lentsoe "mutual" li amanang kateng.
U rua molemo ho tsoa ho boiphihlelo ba molaoli oa letlole le polokeho ea taolo ea Securities Exchange le Board of India (SEBI). Motsamaisi oa letlole la setsebi o etsa bonnete ba hore bo-ramatsete ba fumana phaello e phahameng ka ho fetesisa.
Mekhoa ea ho Tsetela Letloleng la Mutual Fund bakeng sa Batho ba Lefshoang
Matsatsing ana, ho tsetela licheleteng tse kopanetsoeng e bonolo haholo ka lebaka la theknoloji; ho ipapisitse le lisebelisoa tsa hau tse ntle ka ho fetisisa tse fumanehang, u ka tsetela ka mekhoa e mengata:
Letsete le otlolohileng
U ka tlohela foromo e tlatsitsoeng ka nepo ofising ea mofani oa letlole le amehang. U ka boela ua hatisa kopo le ho e tlatsa ka hloko. Leha ho le joalo, pele u tlisa cheke, u lokela ho bala tumellano ka botlalo.
Ho tsetela ho Mutual Fund ka Mokhoa oa Marang-rang
U hloka feela khokahanyo ea inthanete le sesebelisoa sa mohala ho tsetela inthaneteng. Likhetho tse ngata li u thusa ho khetha letlole le molemo ka ho fetisisa la mutual ho latela mamello ea hau ea kotsi, sepheo le lintlha tse ling.
U ka boloka nako le matla ka ho sebelisa e 'ngoe ea liforomo tse fapaneng tsa matsete tsa marang-rang tse fumanehang. U hloka feela tlhahisoleseding ea karete ea PAN ea hau, tlhahisoleseding ea boitsebiso, le akhaonto e sebetsang ea banka ho hokahana le feme ea mutual fund.
Ka Demat Account
O ka tsetela le ho sebelisana le mutual fund o sebelisa ak'haonte ea hau ea banka le ak'haonte ea Demat. Broker ea hau e tlameha ho ba morekisi ea nang le laesense ea lichelete tse kopaneng ho fana ka litšebeletso.
Ho tsetela, o tlameha ho saena akhaonteng ea hau ea Demat le ho batla khetho ea matsete a mutual fund. Matsete a tlameha ho phethoa ka ho etsa phetiso ea chelete inthaneteng.
Re khothaletsa ho qala ka Zerodha.
Ka Mahlahana
Ho tsetela ka liakhente ke leano le lelelele, le tenang, le theko e boima le lokelang ho hlokomolohuoa. Ho o thusa ho etsa qeto le ho tlatsa foromo e hlokahalang, letsetsa moemeli. Baemeli le bona ba ka batla khomishene bakeng sa lits'ebeletso tsa bona.
Hona joale ba na le lisebelisoa tsa digital tseo ba ka li sebelisang ho u thusa ho tlatsa liforomo ka mokhoa oa elektroniki le ho bula akhaonto ea hau hang-hang. Leha ho le joalo, o tlameha ho etsa bonnete ba hore moemeli ke oa 'nete.
Melemo ea ho Tsetela Licheleteng Tse Kopanetsoeng
Ho fihlela lipheo tsa mefuta eohle ea batseteli, lichelete tse kopaneng tse fetang 8000 li fumaneha ka mekhahlelo e fapaneng. Lichelete tse kopanetsoeng li loketse motho e mong le e mong ha li fana ka motsoako o motle oa phaello, meputso le tšireletseho.
Melemo ea ho tsetela ho mutual funds ke e latelang:
Tsamaiso e Molemohali ea Chelete
Sehlopha sa litsebi se laola chelete eo u e kopantseng. Ka hona u ka rua molemo keletsong ea litsebi ha u haha maruo. Neng ho khetha li-stock, liindasteri, kabo, le ho reka le ho rekisa liodara, mookameli oa letlole o etsa lipatlisiso tse batsi.
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Ha ho pelaelo hore lichelete tse kopanetsoeng ke sesebelisoa se nang le chelete e ngata haholo ha ho nahanoa melemo ea tsebo, mefuta-futa le mekhoa e meng ea ho khutlisa. Leha ho le joalo, karo-karolelano ea litšenyehelo e tlas'a sekheo sa taolo ea 2.5%.
Khetho ea SIP
Ho feto-fetoha ha moralo oa matsete a hlophisitsoeng ho u lumella ho etsa matsete ka linako tse reriloeng esale pele, joalo ka beke le beke, kotara, kapa khoeli le khoeli. Ka Rs. 500, o ka qala ho tsetela licheleteng tse kopanetsoeng.
Mokhoa oa ho fetola lichelete
Lichelete tse ling tse kopanetsoeng li u lumella ho fetisetsa chelete haeba u sa khotsofatsoe ke ts'ebetso ea letlole le itseng la mutual fund. Leha ho le joalo, u lokela ho hatakela ka hloko haholo ha u khetha ho falla.
Melemo ea Lekhetho
U ka boloka chelete makhethong le ho haha maruo ka ho tsetela ho letlole la ho boloka lekhetho la ELSS. Ho feta moo, o ka kopa phokoletso e fihlang ho Rs. 1,50,000 ka selemo tlasa Karolo ea 80C ea Lekhetho la Lekhetho Ketso.
Lichelete tse Hloahloa tse Kopanetsoeng Bakeng sa Batho ba Lefshoang
Kaha joale re se re ithutile ka lichelete tse kopanetsoeng, re ka buisana ka mokhoa o bolokehileng ka lichelete tse ntle ka ho fetisisa tse kopanetsoeng bakeng sa batho ba lefuoang e le hore re ka fumana meputso e holimo ka kotsi e fokolang:
HDFC Arbitrage Fund
HDFC Arbitrage Fund e shebane le menyetla ea arbitrage e hlahang ho tsoa ho chelete le chelete e tsoang ho lichelete.
E 'ngoe ea matlo a maholo ka ho fetisisa a lichelete tsa India, HDFC Asset Management Company, e thehiloeng ka Loetse 2007, e fana ka eona. Letlōle lena la kopanelo le oela tlas'a sehlopha sa arbitrage 'me le bulehile.
The hybrid HDFC Arbitrage Fund e na le khetho bakeng sa lik'hamphani tse mahareng. Potefolio e entsoe haholo-holo ka likoloto tsa likoloto le lichelete tsa lichelete tsa lichelete, tse nang le lihlahisoa tse amanang le tekano le tekano tse etsang karolo ea 2/3 ea kakaretso. U ka etsa kopo ea letlole la HDFC Arbitrage inthaneteng le kantle ho naha.
Ka kakaretso, letlōle lena le ntlafalitse mekhoa ea lichelete 'me ke khetho e tiileng bakeng sa batseteli ba nako e telele ba lakatsang ho rera ho tlohela mosebetsi, ho reka ntlo, ho nyala kapa ho ba le bana.
Leha ho le joalo, pele u tsetela matlotlong a kotsi joalo ka lichelete tse kopanetsoeng, u lokela ho bua le moeletsi oa hau oa lichelete kamehla.
ICICI Prudential Regular Savings Fund Direct-Khōlo
Lenaneo la ICICI Prudential Mutual Fund la Conservative Hybrid mutual fund le bitsoa ICICI Prudential Regular Savings Fund Direct-Growth. Letlole lena le thehiloe ka la 1 Pherekhong 2013, ’me le se le sebelitse lilemo tse leshome le likhoeli tse robong.
ICICI Prudential Regular Savings Fund Direct-Growth ke leano la boholo bo mahareng sebakeng sa lona le thepa e tlasa taolo (AUM) ea Rs.3,267 Crores ho tloha ka la 30 Phuptjane 2022. Karolelano ea litšenyehelo tsa letlole, e leng 0.99%, e kholo ho feta seo boholo ba lichelete tse bapisoang tsa Conservative Hybrid. Hajoale, letlole le abetsoe 19.16% ho litefiso le 64.97% ho likoloto.
Lichelete tsa selemo se le seng bakeng sa ICICI Prudential Regular Savings Fund Direct-Growth ke 1%. Ho feta moo, e hlahisitse phaello ea 7.03% selemo le selemo ho tloha qalong. Lilemo tse ling le tse ling tse supileng, letlole le ekelitse chelete e tsetelitsoeng ho lona habeli.
Bokhoni ba sekema sa ICICI Prudential Regular Savings Fund Direct-Growth ho hlahisa lichelete ka ho tsoelang pele bo bapisoa le ba lichelete tse ngata sehlopheng sa bona. E sebetsa hantle ho feta karolelano ea ho fokotsa tahlehelo 'marakeng o tlase.
Matsete makaleng a Lichelete, Lipuisano, Inshorense, Matla le Tlhokomelo ea Bophelo ke tsona tse etsang boholo ba lichelete tsa letlole. Ha ho bapisoa le lichelete tse ling sehlopheng sena, e nkile kotsi e nyane indastering ea lichelete le likhokahano.
Qetellong, sekoloto sa letlole se na le litekanyetso tse tlase tsa mokoloto, se bontšang hore batho bao le ba alimang chelete ha se ba maemo a holimo haholo.
Invesco India Tax Plan Direct-Khōlo
Lenaneo la ELSS la mutual fund le tsoang ho Invesco Mutual Fund le bitsoa Invesco India Tax Plan Direct-Growth. Letlole lena le thehiloe ka la 1 Pherekhong 2013, ’me le se le sebelitse lilemo tse robong le likhoeli tse supileng.
Ho tloha ka la 30 Phuptjane 2022, letlole lena la kopanelo le tsamaisitse thepa ea 1,818 Crores, ea e etsa koloi ea boholo bo mahareng sehlopheng sa eona. Karolelano ea litšenyehelo tsa letlole la 0.85% e tlase ho feta ea lihlahisoa tse ling tse ngata tsa ELSS.
Lichelete tsa selemo se le seng bakeng sa Invesco India Tax Plan Direct-Growth ke 1%. E hlahisitse 30% karolelano ea phaello ea selemo ho tloha ha e qala. Lilemo tse ling le tse ling tse tharo, letlole le ekelitse chelete e tsetelitsoeng ho lona habeli.
SBI Blue-chip Direct Plan-Khōlo
SBI Mutual Fund's SBI Blue-chip Direct Plan-Growth ke sehlahisoa sa letlole sa Large Cap mutual fund. Letlole lena le thehiloe ka la 1 Pherekhong 2013, ’me le se le ntse le sebetsa ka lilemo tse fetang tse robong joale.
Ke letlole la boholo bo mahareng mokhahlelong oa lona le nang le thepa e tlas'a taolo (AUM) ea 32,773 Crores ho tloha ka la 30 Phuptjane 2022. Letlole le na le sekhahla sa litšenyehelo tse phahameng ho feta lichelete tse ling tse ngata tse kholo, ho 0.95%.
Selemong se fetileng SBI Blue-chip Direct Plan-Growth e khutlisa e ne e le 5.91%. E hlahisitse meputso ea 15.55% ka karolelano ka selemo ho tloha ha e qala. Lilemo tse ling le tse ling tse tharo, letlole le ekelitse chelete e tsetelitsoeng ho lona habeli.
UTI Nako e Khutšoane ea Chelete e Kholo e otlolohileng
Sehlahisoa sa letlole sa nako e Khutšoane se tsoang ho UTI Mutual Fund ke UTI ea Nako e Khutšoane ea Moputso o Otlolohileng. Ke letlole la boholo bo mahareng sehlopheng sa lona le nang le Rs. 2,315 Crores ka thepa e tlas'a taolo (AUM) ho tloha ka la 30 Phuptjane 2022.
Karolelano ea litšenyehelo tsa letlole ke 0.34%, e bapisoang le seo lichelete tse ling tsa nako e khuts'oane li se lefang.
Lichelete tsa selemo se le seng ho UTI Nako e Khutšoane ea Moputso oa Kholiso ke 1%. E hlahisitse meputso ea 8.36% selemo le selemo ka karolelano ho tloha ha e qala.
Sekema sena se na le phaello e tsitsitseng e ka bapisoang le lichelete tse ngata sehlopheng sa lona. E na le bokhoni bo matla ba ho fokotsa tahlehelo 'marakeng o ntseng o theoha.
Letlole la Blue-Chip la Axis
Axis Mutual Fund House ke eona e nang le chelete e kholo ea chelete ea Axis Bluechip Fund. Letlole le ile la buloa ka molao ka la 5 Pherekhong 2010.
Sepheo sa matsete se boletsoeng ke letlole ke “ho theha kholo ea nako e telele ea chelete ka matsete ho potefolio e nang le mefuta e fapaneng eo haholo-holo e entsoeng ka lisebelisoa tse amanang le tekano ea lichelete tsa likoporasi tse kholo.
Ho tloha ka la 31 Phupu 2022, Axis Bluechip Fund e ne e na le thepa tlas'a taolo ea kakaretso ea Rs, 35915.36 crore. Ho tloha ka la 30 Phuptjane 2022, karolelano ea litšenyehelo bakeng sa moralo oa kamehla oa letlole ke 1.69%.
Parag Parikh Flexi Cap Fund Direct-Khōlo
Sekema sa Open-ended Flexi Cap Equity seo e leng karolo ea PPFAS Mutual Fund House ke Parag Parikh Flexi Cap Fund – Direct Plan. E ile ea qala ka May 28, 2013.
Sepheo sa matsete sa letlole se re: “Ka ho tsetela haholo-holo licheleteng tsa lichelete le matsete a amanang le tekano, morero ona o batla ho hlahisa kananelo ea chelete ea nako e telele. E bapisoa le NIFTY 500 Total Return Index e le benchmark.
Ho tloha ka la 1 Loetse 2022, Parag Parikh Flexi Cap Fund's Current Net Asset Value bakeng sa khetho ea Khōlo ke Rs 51.13. Ho tloha ka la 31 Phupu 2022, e na le thepa e tlas'a taolo ea Rs 24594.84 crore.
Kotak Emerging Equity Fund ea Kholo ea Khafetsa
Lenaneo le bulehileng la Kotak Mahindra Mutual Fund House ke Leano la Kamehla la Kotak Emerging Equity Fund. Letlole le qalile ho sebetsa ka la 30 Hlakubele 2007.
Ho ea ka sepheo sa matsete a letlole, se lekantsoeng khahlanong le NIFTY Midcap 150 Total Return Index, morero ona o rerile ho fana ka kananelo ea nako e telele ea chelete ka thepa ea lichelete le lisebelisoa tse amanang le tekano ka ho tsetela haholo-holo lik'hamphani tse mahareng.
Ho tloha ka la 1 Loetse 2022, Kotak Emerging Equity Fund Regular Fund's Current Net Asset Value bakeng sa khetho ea Keketseho ke Rs 77.00. Ho tloha ka la 31 Phupu 2022, Moralo oa Kakaretso oa Letlole la Kotak Emerging Equity Fund o bile le thepa tlas'a taolo ea kakaretso ea Rs. 20619.12 limilione tse likete.
fihlela qeto e
The mutual fund ke khetho e kholo ea matsete e ka thusang batho ba lefuoang ho ikahela leruo ka nako e telele. Lichelete tse kopanetsoeng li fana ka merero bakeng sa karolo e 'ngoe le e' ngoe ea bophelo, ho tloha ho tlohela mosebetsi ho ea ho bokella maruo.
U fana ka matsete bakeng sa batseteli ba hlokolosi le ba se nang kotsi.
Melemo ea mefuta-futa, litšenyehelo tse tlase, tokoloho ea ho tsetela ka chelete e nyane, le taolo ea letlole la litsebi kaofela ke melemo.
Leha ho le joalo, lichelete tse kopanetsoeng li tlas'a likotsi tsa 'maraka' me u bale litokomane tsohle tse amanang le morero ka hloko.
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