Idatha yembali ithi i-US Stocks yenze ngcono nge-20% kune-Indian stocks kwaye ixabiso leDola yaseMelika ukuya kwi-INR nalo lenyuka minyaka le.
Yenza ukuba kube lula kakhulu ukugqiba ukuba unokuxhamla kutyalomali kwi-US stocks okanye hayi.
Ukuza ngokukhawuleza kwiimarike zaseIndiya, Ukuxabisa (ekwabizwa ngokuba yi-Appreciate Wealth) kubonakala kuzisa i-evolution kumaNdiya anomdla wokwenza utyalo-mali lwehlabathi.
Mna ngokobuqu ndigrumba nzulu ukufumanisa yonke into malunga ne-app ukuze ufumane iimpendulo zakho kwindawo enye.
Ke, masiqale kwaye siqale sifumanise ukuba i-app ingantoni?
Yintoni Ukuxabisa?
Yixabise sisiqalo saseIndiya esivumela abasebenzisi bayo thenga izitokhwe zase-US ngqo kwi-app. Unokuthenga amasheya eenkampani ezinkulu ezifana neTesla, i-Facebook, kunye nokunye okuncinci njenge-Rs.1. Akukho mda wemali ubuncinci kwi-app.
Ukuxabisa ikwabonelela kwiinjongo-based ukonga iimpawu. Unokuthatha inxaxheba ekuthengeni ii-micro-SIPs kunye notyalo-mali oluncinci.
Ikwabonelela ngamawaka eengxelo zeprimiyamu kwaye ihlalutya kubasebenzisi bayo ababancedayo ekwenzeni ukhetho olufanelekileyo. Akukho ntlawulo yekhomishini okanye iintlawulo ezifihliweyo ezibandakanyiweyo kwiintengiselwano ze-app.
Ezi yayizezinye zeembalasane zeapp. Nangona kunjalo, kuninzi okuziswa yi-Appreciate app etafileni kubo bonke abasebenzisi bayo.
Iimpawu ze-App
Ukusuka kwiinjongo ezisekelwe kwiinjongo ukuya kwiimpawu zokhuseleko eziphezulu, Ukuxabisa izithembiso zokuhambisa. Nazi iimpawu eziphambili ze-app.
1. Ugcino oluSekwe kwiNjongo kunye noTyalo-mali
Uphawu olulodwa lwe-Appreciate lukuvumela ukuba usete iinjongo zakho kuyo nantoni na. Ukuba ufuna ukuthenga imoto, igajethi, okanye iholide, kukuvumela ukuba uzibekele usukelo lwakho, kwaye i-AI yobunikazi yosetyenziso ikuvumela ukuba wenze ukhetho olufanelekileyo.
I-AI ikunceda ngeengcebiso zepotfoliyo ezinokwandisa imbuyekezo yakho kwaye ekugqibeleni ikuthathele inyathelo elisondeleyo kwiinjongo zakho. Ukuxabisa nokuba kunika uphawu lokuthenga iziCwangciso zoTyalo-mali oluCwangcisiweyo (SIP) ngokuthe ngqo kwi-app. Unokwenza utyalo-mali oluncinci ngamaxesha athile kwiiveki, iinyanga, okanye nakwiikota.
Zonke ezi ngcebiso zotyalo-mali kunye nokwahluka kweepotfoliyo kunceda abasebenzisi bafezekise iinjongo zabo zemali ngokulula.
2. Guqula uTyalo-mali
Olu phawu lutshintsha umdlalo kubasebenzisi. Ngotshintsho kutyalo-mali, i-Appreciate ijikeleza intengiselwano yakho kwaye ityale imali engaphezulu kwi-stocks yase-US.
Umzekelo, ukuba wenze intengiselwano ye-Rs.36, i-Appreciate iya kutsala i-Rs.40 kwi-akhawunti yakho yebhanki kwaye ityale i-Rs.4.
Ungayicwangcisa ngokulula kakhulu ngokujonga i-app. Nangona kunjalo, oku akusiyo into enyanzelekileyo, kwaye ixhomekeke kumsebenzisi.
Ngeli nqaku, unokwenza utyalo-mali oluncinci ngokuqhubekayo olunokukhokelela kwisixa esihle kwixesha elizayo.
3. Utyalo-mali lwamaqhezu
Baninzi abantu abalibazisayo ukutyala imali kwiimarike ngenxa yemali ephantsi kwaye akukho londolozo. Ukuxabisa kususa lo mqobo ngokunikela ngokutyalo mali ngamaqhezu. Ngolu phawu, unokutyala imali encinci njenge-Rs.1 kwisitokhwe sase-US.
Oku kuthetha ukuba unokuthenga izabelo zeAmazon kunye neGoogle ngokomthamo wakho. Ude ufumane imbuyekezo kwimirhumo yakho ukuba ucebisa utyalo-mali lwakho lwamaqhezu komnye umntu kwaye bathenge amaqhezu afanayo kwiingcebiso zakho.
4. Izixhobo zokuRhweba ngePro & Iimpawu
Ukuba ungumrhwebi kwaye uyagula ngenxa yeebhugi kunye nemida kwi-app yakho yokurhweba, ngoko u-Appreciate unokuba ngumhlobo wakho omtsha. Ikuvumela ukuba uthathe amashishini ngaphandle kweekhomishini. Okufuneka ukwenze kukuhlawula umrhumo omncinci ngalo lonke ixesha ungena kurhwebo.
Izixhobo ezininzi kunye ne-AI yosetyenziso ikuvumela ukuba ufumane iitoni zokuqonda kwiimarike zemali. Akukho zimodeli zobhaliso ukufikelela kule okanye naluphi na uphawu lwe-app.
Ukuthatha imilinganiselo yoKhuseleko ukuya kwinqanaba elilandelayo
Njengoko abantu beqhubeka benoloyiko lokuba baya kuphulukana nemali yabo ngezi apps zotyalo mali, Ukuxabisa kubonakala kunzulu kakhulu malunga nokhuseleko lwabasebenzisi bayo. Unokufumana amanqaku amaninzi okhuseleko akhoyo kwi-app.
Nantsi imilinganiselo yokhuseleko ephezulu ye-Appreciate:
1. Ukwazisa ngobuqhophololo be-AI
I-Appreciate ibonelela ngesixhobo sokulumkisa ngobuqhetseba be-AI kubasebenzisi bayo.
Ngale nto, zonke iintengiselwano zakho zilandelwa i-24 × 7. Nanini na xa usenza umsebenzi, i-AI isoloko iyibeka iliso, kwaye ibhengeza nawuphi na umsebenzi okrokrisayo nge-algorithm ye-AI yobunini.
2. I-Inshurensi yePotfoliyo
Into ongayifumani rhoqo, i-inshurensi yepotfoliyo ekhoyo kwi-app ikuvumela ukuba ukhusele ipotfoliyo yakho. Ungakhetha ngokulula i-inshurensi exhaswa yi-US kwiiakhawunti zakho ezixabisa malunga ne-500,000 yeedola.
Nangona kunjalo, ayikukhuseli kwiilahleko zakho zokurhweba, ezicacileyo.
3. Ukuthobela yonke iMithetho & neMimiselo
Ukuxabisa kulawulwa ngokupheleleyo yi-FEMA kunye ne-RBI. Oku kuzisa elona nqanaba liphezulu lokhuseleko kunye nokhuseleko kwi-app. Unokuthatha inxaxheba ngokulula kwiimarike zemasheya zase-US ngokusebenzisa i-app, njengoko ilawulwa.
I-USP ye-Appreciate Wealth
I-Appreciate ijolise ekuziseni i-evolution kwicandelo lotyalo-mali lwelizwe, kwaye kunye nomhla wokukhutshwa kwayo usondela, kubalulekile ukwazi i-USP yayo.
Nazi ii-USP ezimbalwa ezinokunceda Yixabise ukubetha abo bakhuphisana nabo ngokutsho kwam:
1. I-AI-Based Investing/Robo-Advisory
Kulapho i-Appreciate ibonakala iphumelela ugqatso ngokuchasene nabo bakhuphisana nabo.
Abasebenzisi banokonwabela iimpawu zokuvumela i-AI ityale imali egameni labo. I-AI ye-Appreciate ibeka esweni umdla wakho womngcipheko ngokusekelwe kulwazi olunikezelwe nguwe kwaye ifumanisa izixhobo ezifanelekileyo zokutyalomali.
Iya kuthenga ngokuthe ngqo ezo asethi egameni lakho. Ngaphezulu koko, isimahla kubo bonke abasebenzisi.
2. Iimpawu zoKhuseleko
Imeko yokhuseleko lobugcisa inceda i-Appreciate ibe yinto yokuqala ekhethwa nguye nabani na ojonge ukutyala imali kwi-stock market yase-US. Ikwabonelela nge-inshurensi enkulu kwipotfoliyo yomsebenzisi.
3. IiNtengiselwano ezingaHlungi
Nge-Appreciate, unokwenza iitransekshini ezigudileyo. Ungathenga kwaye uthengise utyalo-mali lwakho ngokucofa kanye. Le nkqubo ngokukhawuleza igcina ixesha elininzi kubasebenzisi.
4. Guqula uTyalo-mali
Olu phawu lutsala abantu ukuba basebenzise i-Appreciate app. Wonke umntu uyazi ukuba naluphi na utshintsho alufumanayo lusetyenziswa kwezona ndawo zingafunwayo. Ngokuzalwa kokutshintshwa kotyalo-mali nguThamsanqa, abasebenzisi banokwenza imali ngokoqobo kuyo.
Ukuxabisa ngokulula ukujikeleza intengiselwano yakho kwaye utyale imali engaphezulu nge-AI yayo ehlakaniphile. Le yinto enokuthatha Lungisa iindawo.
5. Funda kwiZibonelelo eziBalulekileyo
Nokuba awuqhelananga neemarike zesitokhwe, ungasebenzisa i-Appreciate kwaye wenze utyalo-mali lwakho lokuqala. Inika ukufikelela kumxholo oxabisekileyo kunye nezinto ezixabisa ngaphezu kwe-Rs.5000 ukufundisa umsebenzisi malunga neemarike zemali.
Ngaba uxabiso lungcono kune-INDmoney?
Ukuba ufuna ukutyala imali kwiimarike zase-US, ke ezi zikhetho ezintathu ezidumileyo oza kuzifumana kwezi ntsuku. Kodwa, umbuzo ngulo, yeyiphi eyona ilungileyo?
Ukuba sijonga iimpawu zazo zonke ii-apps, ngoko kunzima ukufumana nayiphi na umahluko. I-Robo-advisor feature ekhuthazwa ngu-Appreciate ikhona kuwo onke amaqonga. Unokuthenga izabelo zamaqhezu kuzo naziphi na izitokhwe zase-US kuwo omathathu amaqonga.
Utshintsho lotyalo-mali uphawu lwe-Appreciate yinto ephuma kwibhokisi, kwaye yile nto ingenayo kwi-Vested kunye INDmali. Ngoku, kuya kuba mnandi ukubukela ukuba abantu baya kukhetha eli nqaku kakhulu kangangokuba batshintshe kwii -apps zabo ezikhoyo okanye hayi.
Nangona kunjalo, ukhetho lwamaxabiso luyawenza umahluko kwezi apps. Valiwe ihlawulisa umrhumo wokurhoxiswa we-11 yeedola kwaye inikezela ngokurhoxa simahla kunye nesicwangciso sayo seprimiyamu. I-INDmoney ibiza malunga ne-5 yeedola ngokurhoxiswa, eyona mrhumo iphantsi kweli lizwe. Ukuza kuthi ga ngoku, i-Appreciate ayikhankanyi umrhumo wokurhoxa ngokuthe ngqo, kodwa ithembisa ukunciphisa la mazinga ukuya kumanqanaba asezantsi kakhulu.
Ukuthetha malunga nezixhobo, zontathu ii -apps zinika imathiriyeli yokufunda eninzi kubasebenzisi bazo. Kodwa, Yixabise ibonakala inzulu kule ngongoma njengoko ithembisa ukubonelela ngezibonelelo zokufunda ze-Rs.5000 simahla kubo bonke abasebenzisi.
Shiya iMpendulo