U tloaelane le ho tsetela ho equities, mutual funds, le limmaraka tsa li-stock. Empa theory of portfolio diversification e re bolella hore 95% ea lipotefolio tse khutlang li tsoa ho mefuta-futa har'a lihlopha tse ling tsa thepa.
Chelete e tsitsitseng kapa li-bond, matlo a bolulo le a khoebo, litefiso tsa thepa, thepa, matsete a lichelete, kapa matsete a mangeloi lik'hamphaning li fana ka matlotlo a fapaneng a fapanyetsang potefolio ea hau ho feta matlotlo a tloaelehileng joaloka equities le khauta.
Matsete a nakong e fetileng a ile a fuoa batho ba boleng bo holimo ba nang le litekete tse kholo tsa matsete.
Wint Wealth and Grip Invest ke mekhoa e meng ea matsete eo ka eona u ka tsetelang le ho fapanyetsana potefolio ea hau har'a matlotlo a sa amaneng.
Nakong ea ho hloka botsitso, ho tsetela matsete a mang ke mokhoa o sebetsang oa ho fapanyetsana kotsi.
Tlhahiso ea mantlha ea khoebo ea Wint and Grip ke efe?
Wint e ralile mokhoa o matla oa ho nolofatsa ho teba ha 'maraka oa libonto India ka ho nka karolo ha mabenkele.
Naheng ea India, matsete a 'maraka oa bonto a lekantsoe matsete a libanka tsa khoebo le lichelete tsa mantlha tsa bond. Wint o sheba libonto tsa mekhatlo ea poraefete kapa likalimo tse ntle tsa khoebo, tse fanang ka chai e ngata.
Ha o tsetela ka letlole la bonto, kotulo ho bond mutual fund e fokotsoa ke litefiso tsa taolo ea thepa ea Mookameli oa Letlole le litšenyehelo tse ling tsa ts'ebetso.
Kaha li- bond fund le tsona li khafisoa, ha u fumane phaello e holimo ho li- bond. Pejana, matsete a tlase a ne a le kholo haholo ha o reka libonto, e ne e le Rs. 10 Lakhs ka bonto. Sena se bolela hore o ne o ka se khone ho theha bond portfolio ea hau ka matsete a tobileng.
Hlotse e etsa hore ho khonehe hore u tsetele ka kotloloho ho li-bond ka ho boloka li-bond ho li-minimummens tse nyane tse loketseng batseteli ba mabenkele. Wint e u lumella ho tsetela ka kotloloho ho libonto tse fanoeng ke NBFC, tse nang le chai e ngata ka matsete a tlase a Rs 10,000.
Ntle le tefo e holimo hanyane e lefuoang ha u reka bonto, ke makhetho feela a tla fokotsa kotulo ea hau kaofela. Sena se fana ka phatlalatso e kholo ha e bapisoa le li-depositi tse tloaelehileng tsa banka, 'me e na le monyetla oa ho etsa litefo tse sa fetoheng.
Tšoara, ka lehlakoreng le leng, e fana ka matamo a matlotlo a sireletsehileng joalo ka khiro ea thepa, lethathamo la lintho, thekiso ea matlo le khoebo ea chelete le litšebelisano tsa ho qala. Hape, matlotlo ana a fanoa ka bonyane ba mabenkele, ho etsa hore ho be bonolo ho tsetela.
Ka bobeli ke li-platform tsa fintech tsa inthaneteng tse fanang ka matsete a mang a sirelelitsoeng ka bonyane ba mabenkele moo mohoebi e monyane a ka nkang karolo.
Bokahohle ba matsete a fanoang ke bona ke ho tloha matsete a tloaelehileng, ao u a tsebang 'me a fana ka menyetla e metle ea mefuta-futa bakeng sa potefolio ea hau le mekhoa ea chelete.
Matsete a bona a fana ka mekhoa e tloaelehileng ea chelete, ntle le bakeng sa tekano ea poraefete, moo phaello e fumanoang feela ho IPO le lethathamong la li-stock.
Phapang e kholo lipakeng tsa Wint le Grip
S.No | Litaba | Hlotse | Tšoara |
1 | Mofuta oa matsete | Li-Bond tse Sirelelitsoeng tsa NBFC tse phahameng, tse Sirelelitsoeng | Likarolo tsa thepa e sirelelitsoeng, thepa le thekiso ea matlo le meaho kaofela li tšehelitsoe ke thepa, 'me chelete ea khoebo ea ho qala / ho qala. |
2 | Matsete a Nyane | Rs 10,000 | E fapana ho tloha ho Rs. 10,000 bakeng sa khiro ea thepa le thepa e nyolohelang ho Rs. 1,00,000 bakeng sa thekiso ea matlo le meaho ea khoebo |
3. | Tshireletso/ Tshireletso | Li- bond ke li- senior bond ho bolelang hore li tšehelitsoe ke tebeletso le boemo ba pele litefong tsa tsoala le litefello haeba k'hamphani e senyehile. | Likarolo tsa thepa, thepa le khoebo li tšehelitsoe ka thepa, ho bolelang hore li lefa ho tsoa ho phallo ea chelete ea letlotlo. Chelete ea khoebo kapa chelete ea ho qala e kotsi 'me e itšetlehile ka katleho ea khoebo eo |
4 | Tenor ea matsete | Ka tloaelo ho fihlela lilemo tse peli. | Ho fanoa ka litekanyo tse fapaneng, matsete a thepa a tloha ho 1 ho isa ho likhoeli tse 6 le litefiso tse tšehelitsoeng ke thepa ho tloha likhoeling tse 24 ho isa ho tse 36. Matsete a thekiso ea matlo a na le tenor e telele, 'me capital capital le chelete ea ho qala ke ea nako e telele ho fihlela ho tsoa ha matsete. |
5 | Litefiso tsa ho khutlisa | Litefiso tsa tsoala ea bond e ka ba halofo ea selemo kapa kotara. | Ke litefo tsa khoeli le khoeli tabeng ea likhiriso tse tšehelitsoeng ke thepa kapa thepa, thekiso ea matlo le thepa e lefa chai ka kotara, 'me tabeng ea capital capital, pusetso e fumaneha ho latela bongata boo ts'ireletso e bo fumanang holim'a lethathamo. |
6 | Khefutsa | Lihlahisoa li ka ba 11% pele ho lekhetho | Litefiso tse tšehelitsoeng ke thepa li fana ka lihlahisoa tse fihlang ho 21% pele ho lekhetho, thepa e fana ka 12% poelo ea pele ho lekhetho, thekiso ea matlo le meaho e fana ka 11% ea lekhetho pele, 'me capital capital e ka ba makhetlo a mangata ho ipapisitse le manane a atlehileng. |
7 | Kotsi e ka tlase | Mokitlane oa khoebo oa li-NBFC | Litefiso le lethathamo ke mekoloto ea likhoebo, mekitlane ea khoebo ke bahiri ba MNC, 'me capital capital ke matsete le balekane ba khoebo (sehlopha se kotsi haholo). |
U ka bala tlhahlobo ea rona e felletseng ea Grip Invest mona. Mme, o ka bala le rona ka botlalo Tlhahlobo ea Wint Wealth, mona.
Ho tšoana pakeng tsa Wint le Grip
Ka bobeli ke li-platform tsa mahlale a marang-rang tse thusang ho tsetela habonolo. Ka bobeli li fana ka bokahohle ba matsete a mang. Ka bobeli li fana ka menyetla ea matsete a tšehetsoeng ke thepa bakeng sa barekisi ba mabenkele. Bobeli ba bona ba thusa mosebetsi oa hau mefuta-futa ka ho fana ka matlotlo a sa amaneng. Matsete a bona ke thepa e behang haholo.
Matsete a fanoang ke bobeli a ipapisitse le kotsi ea ho hloleha ho mokoloto tabeng ea li-bond, lease-backed lease, inventory, le commercial real estate.
Hape ho na le kotsi ea ho lahleheloa ke chelete le kotsi ea bomenemene. Matsete a bona a fana ka tšireletso hobane ba na le collateralised. Venture capital e ipapisitse le kotsi ea 'maraka ho tsoa' marakeng oa setoko kapa ho se fumane phaello e thathamisitsoeng ka har'a phapanyetsano.
Hape, li-startups ke lik'hamphani tsa pele-pele tseo mofuta oa tsona oa khoebo o ka hlolehang, tse bakang tahlehelo ea chelete ea hau.
Litsela tsa bohlokoa:
Joaloka mohoebi oa mabenkele, u na le monyetla o e-s'o ka o e-ba teng oa ho tsetela matsete a mang. Ka linyehelo tsa bona tsa inthanete, Hlotse 'me Tšoara li fane ka monyetla o motle oa ho fapanyetsana portfolio holdings.
Ho feta moo, lihlopha tsena tsa thepa ha li hokahane le limmaraka tsa tekano 'me li fana ka sekhahla se phahameng sa ho khutlisa. Kamora seoa sa Covid-19, matlotlo a khoebo a fumaneha ka theko e tlase, e leng ho eketsang phaello ea hau.
U fumana monyetla oa ho fumana chelete ka mokhoa o tsitsitseng ka ho tsetela matlotlong ana. Tabeng ea capital capital, u na le monyetla oa ho nka karolo likhakanyong tse tlase haholo, pele ho lethathamo la 'maraka.
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