Itekhnoloji isitshixo sokukala, phantse nantoni na.
Enye yeendlela eziphambili itekhnoloji evumela ngayo ukukala kungokuzenzekela. Siphila kwixesha, apho sinokusebenzisa usetyenziso lwangoku kwaye sibeke imali yethu kunye notyalo-mali kwi-autopilot ukuze ziqhubeke zikhula ngaphandle kokuhoywa kwethu.
Ndizenzele izinto eziphambili zeshishini kunye nobomi ixesha elide.
Ukusukela oko ndaqala ukwenza imali, bendifumana iindlela ezahlukeneyo zokwandisa kwaye ndizenzele utyalo-mali lwam, ukonga, kunye neendleko. Nkqu nohlahlo lwabiwo-mali.
Izibonelelo zokuzenzela imali yakho zininzi, kodwa zonke zehla izinto ezimbini ezintathu:
- Akuyi kufuneka utyale kwii-asethi ezahlukeneyo ngesandla rhoqo ngenyanga. Kuya kwenzeka ngokuzenzekelayo. Oku kukwathetha ukuba uyawasusa nawaphi na amathuba okungatyali imali kuyo nayiphi na inyanga okanye ukusebenzisa imali engaphezulu kuhlahlo lwabiwo-mali lwakho. Kwaye, uya kuba nokwahluka ngokwaneleyo ukunciphisa ukungazinzi kwipotifoliyo yakho ngokuphawulekayo ukuba ulandela esi sikhokelo.
- Uya “kusoloko” ungqamanisa okanye ugqwese imarike – kuba awuzukuzama ukuchitha ixesha kwaye ubethe imarike.
- Akukho mfuneko yamandla okanye uqeqesho. Unokonwabela ubomi bakho, wenze into oyithandayo endaweni yokuzikhathaza ngentengiso. Ayiyi kufuna ingqalelo yakho okanye igalelo.
Kweli nqaku, ndiza kukuhamba ngesinyathelo-by-step isicwangciso esizenzekelayo ukuze wenze ngokuzenzekelayo ukonga kwakho kunye neendlela zotyalo-mali.
Ndisigcine esi sikhokelo silula kakhulu. Nokuba unolwazi oluyi-zero, ngaphantsi kweyure ye-discretionary veki nganye, ungayisebenzisa yonke le nto izenzekelayo kwaye ulungise imali yakho.
Ndingaqinisekisa ukuba uya kukwazi ukonga kwaye utyale imali ngaphezulu kunokuba ubusenza ngaphambili ngokulandela esi sicwangciso.
Ngaphambi kokuba i-automation,
Siza kulungisa izinto ezisisiseko kuqala.
Inyathelo 1: Lungisa iakhawunti yakho yeBhanki
Zininzi iiakhawunti zebhanki ezigimmicky ezibonelelwa ziibhanki zabucala eIndiya.
Ndithetha ngezinto ezithandwayo zeHDFC Classic Okanye iKotak Privy League.
Ezi akhawunti zebhanki zifuna ukuba ugcine ibhalansi ephezulu engumndilili ophakathi, nokuba yinyanga okanye ngekota. Obu bubudenge obupheleleyo xa unokuba “ngcono” ngaphandle kokushiya imfumba yemali.
Ngaphandle kwelungelo le-ICICI, andizukucebisa ukuba ukhethe kuyo nayiphi na iakhawunti yebhanki enexabiso eliphezulu eIndiya.
Ingakumbi HDFC yakudala.
Ukuba usabophelelekile ukuba ugcine naphi na ngaphezu kwama-25,000 kwiakhawunti yakho yebhanki, udinga utshintsho.
Kuba andifuni ukuba uzive usoyika ukuchitha imali yakho okanye ukuhlawula imali eninzi ukuba ukhetha ukuyisebenzisa.
Ngoko, kweli nyathelo lokuqala, siya kukhetha i-akhawunti yebhanki ephantsi, kodwa kungekhona ibhalansi ye-zero. Rhoqo, ii-akhawunti ze-zero-balance ziza nemirhumo efihliweyo, ke qiniseka ukuba awukhethi iKotak 811.
Ndicebisa ukuba ukhethe:
- I-Akhawunti ye-Savings ye-IndusInd Indus-mhlawumbi eyona akhawunti ingcono, ayinazintlawulo ezifihliweyo eIndiya.
- I-ICICI Ilungelo leGolide - Ukuba ufuna ibhanki yasekhaya, inkonzo ephambili kwisebe, akukho ntlawulo kwi-transfers, i-ATM, i-checkbooks, kunye ne-DD, le yi-akhawunti engcono kakhulu. Ungafumana amanqaku ePayback Ikhadi ekufakwa imali iindleko. Akukho ntlawulo ye forex.
- Neo bank – Fi.Money. Ngokwenene, ukuba ungumntu orholayo nangaphantsi kweminyaka engama-30, iibhanki zeNeo ziya kukubonelela ngeyona nkonzo ingcono, akukho ntlawulo, kunye neetoni zembuyekezo/amanqaku okuvuza.
Ezi akhawunti zebhanki zintathu zingasentla - azinakuhlawulisa ngentengiselwano nganye ye-IMPS, intengiselwano ye-forex, i-ATM yokugcinwa kwemvakalelo, kunye nezinye iintlawulo ezifihliweyo ezifana neentlawulo zekhadi lakho lokungavunyelwa kwi-ATM. NgeBhanki ye-ICICI, ubudlelwane bakho nebhanki yakho ekuhambeni kwexesha kuya kukunceda ufumane amaxabiso akhethekileyo emali mboleko.
IBhanki yaseKotak Mahindra nayo lukhetho olukhulu, kodwa bahlawulisa iintlawulo ezithile ezingenzi ngqiqo. Kwaye baqhubeka besongeza iindlela ezintsha zokuhlawula abathengi.
Ukuba usebenzisa ibhanki ye-PSU, efana ne-PNB okanye i-BOI njengeakhawunti yakho yebhanki engundoqo, tshintshela kwibhanki engcono efana ne-ICICI, IndusInd, okanye iKotak.
Ngenene unikezela ngemali yakho kubaboleki be-NPA simahla.
Iibhanki ze-PSU zinee-apps eziphelelwe yisikhathi (ngaphandle kwe-SBI), inkonzo embi kakhulu yabathengi, kwaye akukho nzuzo yokuba ngumthengi olungileyo (kwakhona, ngaphandle kwe-SBI).
Kukho ngokupheleleyo zero izizathu ukukhetha i-avareji ephezulu ye-akhawunti yebhanki yenyanga.
Nje ukuba uyilungisile iakhawunti yakho yebhanki, masiqhubele phambili siye kwinyathelo lokuqala lokuzenzela – ukudala ingxowa-mali kaxakeka.
Inyathelo lesi-2: Ingxowa-mali yakho kaXakeka
Imeko efana nobhubhani we-COVID ngumzekelo omhle wokucacisa ingqikelelo kunye nokubaluleka kweNgxowa-mali kaNgxamiseko.
Masithi ungumsebenzi ohlawulwayo kwaye xa ukuvalwa komsebenzi ngenxa yobhubhane ngo-2020 kwenzeka, uphulukana nomsebenzi wakho.
Xa ungenayo ingxowa-mali kaxakeka, kwaye uphulukene nomsebenzi wakho, uyondla. Bendiyibeke njalo.
Nangona kunjalo, ukuba unengxowa-mali engxamisekileyo, unokukhawulezisa ukujongana namatyala asetyenziswayo, uhlawule irenti, kwaye uhlawulele ezinye izinto ezibalulekileyo-ngelixa ukhangela ezinye iindlela zokuqalisa ukwenza imali.
Kwaye kubalulekile ukuqonda, utyalo-mali lwakho kule meko aluthathwa njengengxowa-mali yakho kaxakeka. Bachatshazelwa yimarike. Ezinye zezitokhwe zakho ziphantsi ngaphezu kwe-60% kwaye ingxowa-mali yakho yokubambisana inokungavumeli ukurhoxiswa ngenxa yamanani aphezulu athengiswayo.
Ngaphezu koko, xa uthatha ukubheja kotyalo-mali ixesha elide, awufuni ukwenza imali ngezi asethi kwixesha elifutshane. Uya kugqiba ukuthatha ilahleko kwaye ukuhlawula irhafu ngaphezulu kwayo.
Lo ngumzekelo nje omnye olula wokuba kutheni ingxowa-mali kaxakeka ibalulekile. Ungacinga ngekhulu leemeko ezahlukeneyo apho ufuna imali khona ngoku kwaye ukuba awuyifuni, izinto zinokuba mbi.
Ingxowa-mali engxamisekileyo, ngokwenkcazo, sisixa semali osigcina ecaleni apho ungafikelela kuyo ngephanyazo. Kufuneka ukhuphe imali kwingxowa-mali yakho kaxakeka kuphela xa ufuna ngokwenene ukuba, kwaye ungaze wenze nantoni na eyenye.
Awuqali ukutyala imali de ube nengxowa-mali yexesha likaxakeka.
Yiyo leyo.
Ngokufanelekileyo, uya kufunda iingcebiso zeengxowa-mali ezidibeneyo njengendawo ekhuselekileyo yokupaka iimali zakho zikaxakeka.
Esinye sezizathu endingayi kucebisa ukuba ukhethe iiNgxowa-mali zeTyala njengengxowa-mali engxamisekileyo, kukuba azikhuselekanga njengebhanki yakho, nangona zikhuselwe kakuhle ngokuchasene nokuguquka kunye nokutshintsha kweemarike.
Kwaye yonke ingcamango yokuba nengxowa-mali engxamisekileyo ifumana ukufikelela okuqinisekisiweyo kwiimali xa uyifuna. Hayi ngosuku, okanye iiyure ezingama-48, ngoku.
Yiyo loo nto siza kugcina imali yethu kaxakeka kwi-akhawunti yokonga.
Kutheni iakhawunti yokonga?
Unokwenza ukuhanjiswa kwemali ngokuzenzekelayo ukuze ukhulise ingxowa-mali yakho kaxakeka. Ufumana ukhuseleko lwebhanki. Ufumana inzala ngaphezulu kwayo, kwaye, ifikeleleka ngokulula ngaphandle kwentlawulo. Akukho mthwalo wokuphuma, irhafu yenzuzo, okanye iiyure ezingama-48 zokulinda ukufikelela kwiimali zakho.
Eyona nto ibalulekileyo - udinga uqeqesho. Kufuneka uqinisekise ukuba awuyichukumisi ingxowa-mali yakho yexesha likaxakeka ngaphandle kokuba unyanzelekile.
Ukugcina ingxowa-mali yakho kaxakeka kwi-akhawunti yokonga nako kwenza ukuba ifikeleleke lula. Kulula kakhulu ukuba umntu ongenayo imigaqo kunye nemilinganiselo eqinile uya kuhoxiswa rhoqo kwingxowa-mali yabo yongxamiseko.
Akufanele uyenze loo nto.
Yimalini ekufuneka uyifake kwingxowa-mali yakho kaxakeka nyanga zonke?
Kukho indlela yokubala ukuba yimalini ekufuneka ubenayo kwiingxowa-mali zakho zikaxakeka.
Nantsi into yokubala ingxowa-mali kaxakeka ekwi-intanethi endikwakhele yona.
Ukuze uyibale, qala uhlalutye ukuba yimalini na inkcitho yakho yenyanga. Uqikelelo luya kusebenza. Akunyanzelekanga ukuba uthethe ngokuthe ngqo.
Masithathe i-R100,000.
Ukuba iindleko zam zenyanga zii- ₹ 100,000, kufanelekile ukuba ndibe nemali eyaneleyo kwingxowa-mali yam kaxakeka ukuze ndigqume ukuya kwiinyanga ezi-6 zeendleko.
Ndifuna ubuncinci i-R6,00,000 kwi-akhawunti yokonga eyahlukileyo njengengxowa-mali yam yexesha likaxakeka.
Ndizibambele mathupha, ngoko ke ndingathanda ukuba no- ₹ 1,200,000 ubuncinane kwi-akhawunti yam yokonga. Nje ukuba kwicala elikhuselekileyo kwaye ngaphandle koko, ndiyakuthanda ukuba nemali esandleni.
Olu thando lwemali yayisesinye sezizathu eziphambili zokuba ndikwazile ukwenza imali ngengozi kaMatshi ka-2020-ukufumana izivumelwano ezinje nge-R690 kumndilili we-Infosys. Ukuba bendingenayo imali, ibiya kuba lithuba elinye-kwishumi leminyaka ebendiliphosile.
Ngoko ke, nokuba uyeva Ray Dalio esithi imali yinkunkuma, khumbula ukuba ufumana isixa esikhulu semali ngekota ukuze atyale. Utyebile ngemali. Kwaye kufuneka ube njalo.
Uyiseka njani iNgxowa-mali yakho kaXakeka
Ndicebisa ukuba ukhethe i-akhawunti yokonga ebhankini efana nale:
- I-ICICI - Eyona ndlela ingcono, ungasebenzisa i-iWish i-deposit scheme esekelwe kwinjongo.
- IBhanki yaseKotak Mahindra-Inzala ephezulu yenzala, kuba awuzukusebenzisa imali yakho kaxakeka kwintengiselwano yemihla ngemihla, akufuneki ube nexhala malunga neentlawulo zabo.
Ukuba ukhetha i-akhawunti ye-Kotak Savings ukupakisha ingxowa-mali yakho kaxakeka, yenza umyalelo omileyo kwi-akhawunti yakho yomvuzo okanye kwi-akhawunti yakho yeshishini/yangoku ukuze udlulisele ubuncinane i-10% yomvuzo wakho kwi-akhawunti yakho yengxowa-mali yexesha likaxakeka.
Kufuneka wenze oku kuphela de ube nemali eyaneleyo kwingxowa-mali yakho yonxunguphalo ukuze ikuxhase kwiinyanga ezi-6 ukuya kwezili-12 zonxunguphalo.
Ukuba ukhetha i-akhawunti yokulondoloza ibhanki ye-ICICI, khetha i-akhawunti encinci yebhalansi. Awudingi akhawunti yefancy kule njongo. Akukho ngqiqo ukuhlawula umrhumo wokugcina ubuncinci bebhalansi.
Eyona nxalenye ilungileyo yokukhetha i-akhawunti yokonga yebhanki ye-ICICI yinkqubo yediphozithi ye-iWish.
Le yeyona ndawo ifanelekileyo yokupaka ingxowa-mali yakho kaxakeka. Iidiphozithi ze-iWish zikunceda ukuba wonge imali kwiinjongo ezimfutshane ukuya phakathi kwexesha.
Kuba sisikimu sedipozithi, nawe ufumana inzuzo yokufumana inzala kwingxowa-mali yakho kaxakeka.
Kwaye yinkqubo yexesha elifutshane, akukho-zibophelelo, ngoko ke awuyi kuhlawula nayiphi na imali ngokutsalwa kwemali kwi-akhawunti yakho ye-iWish.
Misela i-akhawunti yediphozithi ye-iWish ngokungena kwideshibhodi ye-ICICI yebhanki yakho.
Xela idipozithi yakho ye-iWish "iNgxowa-mali eNgxamisekileyo" kwaye wenze iidipozithi zakho zenyanga ngokuzenzekelayo apha.
Kwakhona, qala ngokudlulisela I-10% yomvuzo wakho kule akhawunti yediphozithi ye-iWish. Nge-10% yomvuzo wakho oya kule akhawunti, uya kukwazi ukufikelela kwinjongo yakho yengxowa-mali kaxakeka kunokuba ngokukhawuleza.
Ukuba unokuxhasa ngemali yonke ingxowa-mali engxamisekileyo kwi-transfer enye, yenze. Kwaye udlulele kwinyathelo elilandelayo.
Okanye, qhubeka ufaka nyanga zonke de ufike apho.
Nje ukuba uyilungisile ingxowa-mali yakho kaxakeka, masiqhubele phambili siye kwinyathelo lesithathu lokuzenzela imali yakho.
Inyathelo lesi-3: Ukumisela iiNgxowa-mali zakho zoMhlalaphantsi + Masigcine iRhafu!
Inyathelo elilandelayo kukulungisa iingxowamali zakho zomhlalaphantsi.
Ukugcinela umhlalaphantsi kuneenzuzo ezimbini eziphambili:
- Wakha i-corpus yobutyebi kwinqanaba lobomi bakho xa ufuna nje ukuphumla, ukukhaba emva kwaye uphole kwenye indawo. Ukuba uyahlawulwa, eli linyathelo lemali elibaluleke njengokwakha ingxowa-mali kaxakeka. Kuba awuzukusebenza xa ukwi 60s zakho.
- Ufumana ukugcina irhafu.
Ngokukhawuleza uqalisa ukufaka igalelo kwingxowa-mali yakho yomhlalaphantsi, kokukhona ubutyebi obuninzi uya kubuqokelela xa ufikelela kwiminyaka yakho yama-60s.
Ukukunika umxholo, ndiqale iakhawunti yam ye-NPS nje ukuba ndibethe i-18 (ndikhe ndahamba ukwenza imali online kuba ndandineminyaka eyi-17). Kwanangaphambi kokuba ndifumane iakhawunti yam yeDemat.
Ukuba bendiqale iakhawunti yam ye-NPS kwiminyaka emibini kamva xa ndineminyaka engama-20, ngendiphulukene neecrores ezimbalwa kwikompusi yam yomhlalaphantsi.
Kukho iingxowa-mali ezintathu zomhlalaphantsi endinokucebisa kuye wonke umntu:
- I-NPS – Ibaluleke kakhulu.
- PPF – Imirhumo engahlawulelwa rhafu ngokupheleleyo, inzala kunye nesixa sokuvuthwa.
- Iingxowa-mali ezihlangeneyo ze-ELSS – Imbuyekezo ephezulu kunye nokonga imali encinci yerhafu.
Kuzo zontathu iinketho ezingentla, ndincoma. ukuqala nge-akhawunti ye-NPS, emva koko i-PPF, kwaye ekugqibeleni kutyalwe imali kwi-ELSS mutual funds.
I-akhawunti ye-NPS (iNkqubo yoMhlalaphantsi yeSizwe) linyathelo elixhaswa ngurhulumente ozimeleyo ukuze abemi abafana nam nawe baqale ingxowa-mali yomhlalaphantsi. I-NPS isebenza njengesicwangciso esiqhelekileyo somhlalaphantsi – utyala imali de ube neminyaka engama-60 kwaye xa ufika apho, uhlawulwa i-annuity nyanga zonke.
Uza kuhlawulwa malini nyanga nganye ngokomhlalaphantsi xa ufikelela kwiminyaka engama-60 ubudala, kuxhomekeke kwizinto ezintathu:
- Uqala ngokukhawuleza kangakanani ukufaka isandla kwiakhawunti yakho yeNPS?
- Ufaka igalelo elingakanani ngonyaka?
- Ingakanani imbuyekezo oyifumanayo kutyalo-mali lwakho lweNPS?
Ke qala ukufaka isandla kwiakhawunti yakho ye-NPS namhlanje kwaye uyibukele ikhula minyaka le.
Ivula njani iakhawunti yeNPS?
Ndincoma ukuvula i-akhawunti yakho ye-NPS ngebhanki yakho, ngakumbi ukuba ungumthengi we-ICICI, IndusInd, Kotak okanye HDFC.
Okanye, ungaphinda ukhethe i-akhawunti ye-NPS ngokundwendwela i iwebhusayithi esemthethweni ye-NSDL apha. (Ikhonkco ngqo kuBhaliso lwe-NPS).
Kukho amanqanaba amabini e-NPS:
- Inqanaba loku-1 - Eli lelo uya kulivula ukuze ufumane ipenshini kunye nezibonelelo zerhafu. Imali yakho itshixiwe de ufikelele kwiminyaka engama-60 ubudala. Unokurhoxisa ukuya kuthi ga kwi-25% yemali yezihlandlo ezikhethekileyo njengemitshato emva kweminyaka emi-3. Kwi-60, unokurhoxisa ukuya kuthi ga kwi-60% lumpsum.
Inqanaba loku-1 le-NPS lifanelekile ukuba litsalwe irhafu kwimirhumo ukuya kuthi ga kwi-Rs 1.5 lakh phantsi kweCandelo lama-80 C kunye ne-Rs 50,000 eyongezelelweyo phantsi kweCandelo lama-80 eCCD (1B) loMthetho weRhafu yeNgeniso, ka-1961.
- Inqanaba lesi-2 - Le yiakhawunti yokuzithandela. Awufumani nzuzo yerhafu okanye inkamnkam. Ngokusisiseko, ikuvumela ukuba utyale imali kwiimali eziqhagamshelwe kwi-NPS kodwa ngaphandle kwenzuzo ukuba iNPS inqanaba loku-1. Kwaye ungayikhupha imali yakho nangaliphi na ixesha ngaphandle komrhumo. Imali yakho ayitshixwanga.
Kukho olunye uhlobo lweNqanaba lesi-2 engumlondolozi werhafu, kodwa siza kuyihoya ngokupheleleyo. Ingxowa-mali ye-ELSS yenza ingqiqo ngaphezulu kwayo.
Nje ukuba uvule i-akhawunti yakho ye-NPS, kuya kufuneka ukhethe umphathi wengxowa-mali. Ndicebisa ukuba ukhethe enye yezi:
- HDFC – Into endiyikhethileyo ngokobuqu.
- I-ICICI
- lic
Emva koko, uya kucelwa ukuba ukhethe phakathi kweenketho ezintathu zotyalo-mali:
- I-Conservative
- Phakathi
- Iyaxaka
Okokuqala, khetha i-Auto Option.
Ulibale ngeConservative.
Emva koko khetha phakathi. Kubatyali-mali abaninzi, le yindlela enethemba kodwa ekhuselekileyo.
Nangona kunjalo, usenokukhetha i-Aggressive, njengoko ingxowa-mali yakho ye-NPS ilawulwa ngabaphathi bengxowa-mali abanamava, kwaye sijonge kumashumi eminyaka ukuze olu tyalo-mali lukhule, umngcipheko uphantsi xa uthelekisa.
Kwiminyaka embalwa edlulileyo, ukutyala imali kwi-NPS kwakunzima kakhulu. Njengomceli mngeni ngokwenene. Kufuneka ungene kwi-akhawunti yakho ye-PRAN, ugcwalise ezi fomu, uhlawule ngekhadi lebhanki okanye ibhanki yebhanki ngelixa uhlawula intlawulo encinci yentengiselwano ngokunjalo.
Ngoku, yonke inokuzenzekela.
Nge-akhawunti yakho ye-NPS, ufumana i-akhawunti yediphozithi ebonakalayo. Ibizwa ngokuba yi-D-Remit. Ngale akhawunti yediphozithi yenyani, ufumana igalelo kwiakhawunti yakho ye-NPS ngokudluliselwa kwebhanki kwaye ufumane i-NAV yosuku olunye.
Oku kuthetha ukuba unokumisela imiyalelo emileyo nge-akhawunti yakho yebhanki ukuze ube negalelo kwi-akhawunti yakho ye-NPS rhoqo ngenyanga, ngokuzenzekelayo.
Uzifumana njani iinkcukacha zeakhawunti yakho ye-D-remit ye-NPS?
Kuyakuthatha malunga neeyure ezingama-24 ukuya kwezingama-48 ukuze ufumane iinkcukacha ze-akhawunti ye-D-remit kwi-imeyile yakho.
Nje ukuba ufumene oko, yenza umyalelo omileyo wokunikela ubuncinci be-5% yomvuzo wakho nyanga zonke. Ke ukuba wenza i- ₹ 1,00,000/ngenyanga, nikela i- ₹ 5,000 qho ngenyanga.
Akukho mda wokuba ungenza igalelo elingakanani kwi-akhawunti yakho ye-NPS.
Kodwa ungagcina ukuya kuthi ga kwi-R2,00,000 ekutsalweni kwerhafu.
Ukuba awunayo nantoni na efana nemali mboleko yemoto okanye imali mboleko yendlu apho ii-EMIs zakho zenyanga zingaphezulu kwe-30% yomvuzo wakho, ungagalela i-10% yomvuzo wakho oseleyo kwi-NPS.
Nangona kunjalo, ndingacebisa i-5%. Andithathi ndlela yogcino.
Sizakuthatha indlela yotyalo-mali-enzima ngakumbi ukuze sikwazi ukuvelisa kwaye sichithe obunye bobutyebi namhlanje, hayi xa sibadala.
Sele simisele ingxowa-mali yomhlalaphantsi kunye nengxowa-mali kaxakeka, ngoku lixesha lokuba sithathe umngcipheko.
Kule minyaka ilishumi idlulileyo, iingxowa-mali ze-NPS ziqhube kakuhle kakhulu kunezinye iingxowa-mali zomhlalaphantsi nezomhlalaphantsi, zinika malunga ne-8 ukuya kwi-10% imbuyekezo ngonyaka. Kuba imali yakho ityalwe kwi-equity, uya kufumana i-20% + inzala ngamaxesha athile, kodwa unokulindela CAGR okanye naphi na phakathi kwe-8% ukuya kwi-12% kwiminyaka eli-10.
Ukuba ne-PPF inobungozi obuncinci kuya kukufumana inzala eyi-7.1% kwaye awuzukwazi ukwenza igalelo elingaphezulu kwe-1.5 Lakhs ngonyaka.
Kodwa lukhetho olukhuselekileyo lokutyala imali yakho ixesha elide kwaye wonge irhafu. Ungaqhubeka uyihlaziya i-PPF yakho emva kweminyaka eli-15 yonke iminyaka emi-5 kangangoko ufuna. Kwaye yonke le mali ayihlawulelwa rhafu. Ufumana ukonga kwiirhafu namhlanje nakwixesha elizayo.
Unokuyivula iPPF yakho kuphela ngebhanki yakho. Ngena kwi-akhawunti yakho yebhanki ye-intanethi kwaye kufuneka ubone ukhetho phantsi kwecandelo lotyalo-mali ukuze uvule i-akhawunti ye-PPF. Iyahluka ukusuka kwibhanki ukuya kwibhanki.
Unokwenza imiyalelo emileyo ukuze ube negalelo kwiakhawunti yakho yePPC rhoqo ngenyanga.
Yikhuphe iPPF yakho rhoqo ngonyaka - ikuvumela kuphela ukuba udiphozithe ukuya kuthi ga kwi-R1,50,000 ngonyaka.
Xa ukhupha oku, ugcina le mali yomdlalo ekutsalweni kwerhafu namhlanje, nakwixesha elizayo xa uyirhoxisa.
Siza kujonga kwi-ELSS mutual funds xa siseka i-akhawunti yakho yotyalo-mali kwicandelo elilandelayo.
Yiyo leyo! -Sivuyisana nokugqiba icandelo loku-1 lokuzenzela (ukulungisa ngakumbi) imali yakho!
Ngoku ukuba uneakhawunti enkulu yebhanki engayiqweqwedi imali yakho, ingxowa-mali yongxamiseko yokukukhupha kumaxesha anzima, kunye nengxowa-mali yomhlalaphantsi ezenzekela ukukhula, icandelo lesibini liya kugxila ngakumbi kuhlahlo lwabiwo-mali oluzenzekelayo, nokulawula ityala lakho.
Ukuba unayo nayiphi na imibuzo, undazise kwizimvo.
Somnath Bhattacharyya
Linqaku eligqwesileyo kucwangciso lwezemali ingakumbi kubantu abangaziyo. Ndongeza nje amanqaku athile endiwalandelayo kwaye ndinokunceda abanye
1. Ukusebenzisa ii-savings ezimbini i-a/c yebhanki enye … paka yonke ingeniso notyalo-mali oluqhelekileyo olusuka kwi-akhawunti enye kwaye usebenzise ikhadi le-ATM lenye i-akhawunti ukwenza imali okanye nayiphi na inkcitho ye-intanethi. Ungatshayela kwi-akhawunti yakho yenkcitho nanini na ifuneka.
2. Ngokombono wam i-App kunye ne-Intanethi yebhanki ye-Intanethi ebonelelwa yi-ICICI yeyona marike igqwesileyo eIndiya.
Aayush Bhaskar
Hi Somnath,
Enkosi ngokongeza ixabiso!
Priya
Inqaku elihle, enkosi ngokwabelana ngolwazi lwakho.
Priya
ungabelana ngendlela yokulandelela iindleko zakho zemihla ngemihla? Ngokwam, ndisebenzisa iWalnut app.
Aayush Bhaskar
Ndisebenzisa iWallet ngabakwaBudgetBakers. Lo bekufanele ukuba ngumxholo wecandelo lesibini-ukuntywila okuneenkcukacha kwiWallet kuba sisixhobo esineendleko esincinci esinexabiso elinezinto ezininzi zokuzenzela uhlahlo lwabiwo-mali kunye nokulandela umkhondo.