Iimfuno zakho zemali ziya zisanda njengoko usiya ukhula, kwaye ngequbuliso ufumanisa ukuba umvuzo wenyanga omiselweyo awusayi kukwanela ukuhlawula yonke into.
Uya kufuna isicwangciso sotyalo-mali esilumkileyo esibonelela ngemali eyaneleyo xa kufuneka kwaye wenze imisebenzi yakho ngelixa ungekho.
Iimali ezihlangeneyo ziphakathi kwezona zinto zinokwenzeka zotyalo-mali, onokuthi ukhethe ngokusekelwe kwixesha lakho kunye nomngcipheko wokutya.
Kodwa ukwazi njani ukwenza oku? Masiyijonge.
Yintoni iMutual Funds?
Isixhobo sezemali esibizwa ngokuba yi-mutual funds siqokelela imali kubatyali-mali abaliqela. Emva koko, iimali ezidibeneyo sinikezwe kwii-asethi ezifana nezitokhwe zenkampani ezidwelisiweyo, iibhondi zenkampani, iibhondi zikarhulumente, kunye nezibambiso ezithengiswayo.
Njengomnini sabelo, awunguye umnini wokwenyani weequity zenkampani ezithengwa yi-mutual funds. Nangona kunjalo, wahlula ngokulinganayo nayiphi na inzuzo okanye ilahleko kunye nabanye abatyali-mali bephuli. Yile ndlela ingxowa-mali ehlangeneyo kunye negama elithi "mutual" ezinxulumene ngayo.
Uzuza kumava omphathi wengxowa-mali kunye noTshintshiselwano lwezoKhuseleko kunye nokhuseleko lolawulo lweBhodi yaseIndiya (SEBI). Umphathi wengxowa-mali oyingcali uyaqinisekisa ukuba abatyali-mali bafumana eyona mbuyekezo iphezulu.
Iindlela zoTyalo-mali kwiNgxowa-mali yoMntu oThunyelwayo ukulungiselela abantu abahlawulwayo
Namhlanje, utyalo-mali kwiingxowa-mali macala kulula kakhulu ukubulela kwitekhnoloji; Ngokusekwe kwezona zixhobo zifumanekayo, unokutyala imali ngeendlela ezininzi:
Utyalomali ngqo
Ungashiya ifom ezaliswe ngokufanelekileyo kwi-ofisi yomboneleli wengxowa-mali efanelekileyo. Ungaprinta isicelo kwaye usigcwalise ngononophelo. Nangona kunjalo, ngaphambi kokuhambisa itshekhi, kufuneka ufunde ngokucokisekileyo isivumelwano.
Utyalo-mali kwiNgxowa-mali ye-Mutual ngeMowudi ye-Intanethi
Ufuna kuphela uqhagamshelo lwe-intanethi kunye nesixhobo esiphathwayo ukuze utyale imali kwi-intanethi. Iinketho ezininzi zikunceda ukhethe eyona ngxowa-mali ilungileyo ngokuxhomekeke kukunyamezela kwakho umngcipheko, iinjongo, kunye nezinye izinto eziqwalaselwayo.
Unokonga ixesha kunye namandla ngokusebenzisa enye yeendlela ezahlukeneyo zotyalo-mali kwi-intanethi ezifikelelekayo. Ufuna kuphela ulwazi lwekhadi lakho le-PAN, ulwazi lwesazisi, kunye ne-akhawunti yebhanki esebenzayo ukuze udibanise ne-mutual fund firm.
NgeAkhawunti yeDemat
Ungatyala imali kwaye uthengiselane ngengxowa-mali efanayo usebenzisa iakhawunti yakho yebhanki yangoku kunye neakhawunti yeDemat. Umrhwebi wakho kufuneka abe ngumthengisi onelayisenisi yeengxowa-mali ezifanayo ukuze abonelele ngenkonzo.
Ukwenza utyalo-mali, kufuneka ungene kwiakhawunti yakho yeDemat kwaye ukhangele ukhetho lotyalo-mali oluhlangeneyo. Utyalo-mali kufuneka lugqitywe ngokwenza ukudluliselwa kwemali kwi-intanethi.
Sincoma ukuqala nge Zerodha.
Ngeearhente
Utyalo-mali ngama-arhente liqhinga elide, elidinisayo, nelibizayo ekufuneka lingahoywa. Ukukunceda ekwenzeni isigqibo sakho kunye nokuzalisa ifom efunekayo, tsalela i-arhente. Iiarhente zinokufuna ikhomishini ngeenkonzo zazo.
Ngoku banezixhobo zedijithali abanokuthi bazisebenzise ukukunceda ugcwalise iifomu nge-elektroniki kwaye uvule iakhawunti yakho ngokukhawuleza. Nangona kunjalo, kufuneka uqiniseke ukuba iarhente yeyenyani.
Izibonelelo zoTyalo-mali kwiiNgxowa-mali eziDityanisiweyo
Ukulungiselela iinjongo zazo zonke iintlobo zabatyalo-mali, ngaphezu kwe-8000 yeemali ezihlangeneyo zifumaneka kwiindidi ezahlukeneyo. Iingxowa-mali ezifanayo zifanelekile kumntu wonke xa zibonelela ngomxube omhle wenzuzo, umvuzo kunye nokhuseleko.
Iinzuzo zotyalo-mali kwiingxowa-mali ezihlangeneyo zezi zilandelayo:
Ulawulo lweMali oluGqwesileyo
Iqela leengcaphephe lilawula imali oyidibanisileyo. Ngoko ke unokuxhamla kwiingcebiso zobungcali xa usakha ubutyebi. Nini ukukhetha izitokhwe, amashishini, ukuhanjiswa, nokuthenga nokuthengisa iiodolo, umphathi wengxowa-mali wenza uphando olubanzi.
ngendleko ephantsi
Iingxowa-mali ezihlangeneyo ngaphandle kwamathandabuzo zisisixhobo sotyalo-mali esinoqoqosho kakhulu xa siqwalasela iingenelo zolwazi, iyantlukwano, kunye nezinye iindlela zembuyekezo. Nangona kunjalo, umlinganiselo weendleko uphantsi kwe-2.5% yokulawula i-cap.
Inketho ye-SIP
Ukuguquguquka kwesicwangciso sotyalo-mali esicwangcisiweyo kukuvumela ukuba wenze utyalo-mali ngamaxesha amisiweyo, njengeveki, ngekota, okanye ngenyanga. Nge-Rs. 500, ungaqala utyalo-mali kwiingxowa-mali ezifanayo.
Isixhobo sokutshintsha imali
Ezinye iingxowa-mali ezihlangeneyo ziyakuvumela ukuba utshintshe imali ukuba awonelisekanga kukusebenza kweskim sengxowa-mali ethile. Nangona kunjalo, kufuneka unyathele ngononophelo olukhulu xa ukhetha ukuhamba.
IziBonelelo zeRhafu
Ungagcina imali kwiirhafu kwaye wakhe ubutyebi ngokutyala imali kwi-ELSS yokonga irhafu yengxowa-mali. Ngaphezu koko, unokwenza ibango lokuxhuzulwa ukuya kuthi ga kwi-Rs. 1,50,000 ngonyaka phantsi kweCandelo 80C le Irhafu engenayo Isenzo.
IiNgxowa-mali eziDityanisiweyo ziBalaseleyo kuBantu abaHhololwayo
Ngoku sele sifundile malunga neengxowa-mali ezihlangeneyo, sinokuxoxa ngokukhuselekileyo ngezona ngxowa-mali zihamba kakuhle kubantu abarholayo ukuze sifumane umvuzo omkhulu ngomngcipheko omncinci:
HDFC Arbitrage Fund
I-HDFC Arbitrage Fund igxile kumathuba arbitrage avela kwikheshi kunye nezinto eziphuma kwimali.
Enye yezona zindlu zikhulu zengxowa-mali ehlangeneyo yaseIndiya, iNkampani yoLawulo lweAsethi yeHDFC, eyasekwa ngoSeptemba ka-2007, iyanikezela. Le ngxowa-mali yokubambisana iwela phantsi kwecandelo le-arbitrage kwaye ivulekile.
I-Hybrid HDFC Arbitrage Fund inokukhetha kwiinkampani ze-mid-cap. Ipotfoliyo iqulunqwe ikakhulu ngamatyala kunye nokhuseleko lwemalike yemali, kunye neemveliso ezinxulumene ne-equity kunye ne-2/3 yetotali. Ungafaka isicelo se-HDFC Arbitrage fund kwi-intanethi nakwi-intanethi.
Ubukhulu becala, ingxowa-mali igqithise imbuyekezo yebhentshi kwaye lukhetho oluqinileyo kubatyali-mali bexesha elide abanqwenela ukucwangcisa umhlala-phantsi wabo, ukuthenga ikhaya, ukutshata, okanye ukuba nabantwana.
Nangona kunjalo, ngaphambi kokuba wenze utyalo-mali kwii-asethi ezinobungozi njengemali edibeneyo, kufuneka uhlale uthetha nomcebisi wakho wezezimali.
Ukukhula okuthe ngqo kwe-ICICI Prudential Regular Savings Fund
Inkqubo ye-ICICI Prudential Mutual Fund yeConservative Hybrid mutual fund ibizwa ngokuba yi-ICICI Prudential Regular Savings Fund Direct-Growth. Le ngxowa-mali yasekwa ngomhla woku-1 kweyoMqungu ka-2013, kwaye sele isebenza iminyaka elishumi neenyanga ezilithoba.
I-ICICI Prudential Regular Savings Fund Direct-Growth sisicwangciso esiphakathi kwindawo yayo ene-asethi eziphantsi kolawulo (AUM) ye-Rs.3,267 Crores ukususela nge-30 Juni 2022. Umlinganiselo weendleko zengxowa-mali, oyi-0.99%, mkhulu kunoko uninzi lweemali ezithelekisekayo zeConservative Hybrid ziyabiza. Ngoku, ingxowa-mali yabelwe i-19.16% kwizabelo zamashishini ezingenanzala emisiweyo kunye ne-64.97% ematyaleni.
Imbuyekezo yonyaka omnye kwi-ICICI Prudential Regular Savings Fund Direct-Growth yi-1%. Ngaphezu koko, ivelise imbuyekezo ye-7.03% ngonyaka ukususela ekuqaleni. Rhoqo kwiminyaka esixhenxe, ingxowa-mali iphinda kabini imali etyalwe kuyo.
Ukukwazi kwe-ICICI Prudential Regular Savings Fund Direct-Growth scheme ukuvelisa imbuyekezo ngokuqhubekayo kuthelekiswa nobuninzi beengxowa-mali kudidi lwayo. Isebenza ngcono kunomndilili ekunciphiseni ilahleko kwimarike ephantsi.
Utyalo-mali kwicandelo lezeziMali, uNxibelelwano, i-Inshurensi, Amandla, kunye nokhathalelo lwempilo lwenza uninzi lweengxowa-mali ezinokulingana. Xa kuthelekiswa nezinye iimali ezikolu didi, ithathe umngcipheko omncinci kumashishini emali nonxibelelwano.
Ekugqibeleni, ityala lengxowa-mali linezinga eliphantsi letyala, elibonisa ukuba ababoleki ababoleke imali abakho kwinqanaba eliphezulu kakhulu.
Invesco India Tax Plan Ngqo-Ukukhula
Inkqubo yengxowa-mali ye-ELSS evela kwi-Invesco Mutual Fund ibizwa ngokuba yi-Invesco India Tax Plan Direct-Growth. Le ngxowa-mali yasekwa ngomhla woku-1 kweyoMqungu ka-2013, kwaye sele isebenza iminyaka elithoba neenyanga ezisixhenxe.
Ukusukela nge-30 kaJuni ngo-2022, le ngxowa-mali yokubambisana ilawule i-1,818 Crores kwizinto zexabiso, iyenza isithuthi esiphakathi kwiklasi yayo. Umlinganiselo weendleko zengxowa-mali oyi-0.85% ungaphantsi kunezinye iimveliso ze-ELSS ezininzi.
Imbuyekezo yonyaka we-1 ye-Invesco India Tax Plan Direct-Growth yi-30%. Yenze i-17.02% yembuyekezo engumndilili wonyaka ukususela oko yaqalayo. Rhoqo kwiminyaka emithathu, ingxowa-mali iphinda kabini imali etyalwe kuyo.
SBI Blue-chip Isicwangciso-Ngqo-Ukukhula
I-SBI Mutual Fund's SBI Blue-chip Direct Plan-Growth yimveliso yengxowa-mali enkulu. Le ngxowa-mali yasekwa ngomhla woku-1 kweyoMqungu ka-2013, kwaye sele isebenza ngaphezu kweminyaka elithoba ngoku.
Yingxowa-mali ephakathi kudidi lwayo ene-asethi ephantsi kolawulo (AUM) ye-32,773 Crores ukususela nge-30 kaJuni 2022. Le ngxowa-mali inomlinganiselo weendleko eziphezulu kunezinye iingxowa-mali ezinkulu, kwi-0.95%.
Imbuyekezo ye-SBI Blue-chip Direct Plan-Growth yonyaka ophelileyo ibe yi-5.91%. Ivelise imbuyekezo ye-15.55% kwi-avareji ngonyaka ukususela ekuqaleni kwayo. Rhoqo kwiminyaka emithathu, ingxowa-mali iphinda kabini imali etyalwe kuyo.
I-UTI yeXesha elifutshane uMvuzo ngokuthe ngqo-Ukukhula
Imveliso yeThual Fund yexesha elifutshane evela kwi-UTI Mutual Fund yi-UTI yeThutyana eliFutshane loMvuzo oluNgqo ngokuKhula. Yingxowa-mali ephakathi kudidi lwayo ene-Rs. I-2,315 Crores kwii-asethi eziphantsi kolawulo (AUM) ukususela nge-30 Juni, 2022.
Umlinganiselo weendleko zeNgxowa-mali yi-0.34%, ethelekiseka neendleko ezininzi zexeshana elifutshane.
Imbuyekezo yonyaka omnye kwi-UTI yeThutyana elifutshane loMvuzo oluNgqo ngokuKhula yi-1%. Ivelise imbuyekezo ye-8.36% ngonyaka ngokomndilili ukususela ekuqaleni kwayo.
Esi sikimu sinembuyekezo engaguqukiyo xa ithelekiswa neemali ezininzi kudidi lwayo. Inesakhono esinamandla sokunciphisa ilahleko kwimarike ehlayo.
I-Axis Blue-Chip Fund
I-Axis Mutual Fund House ingumnini we-equity enkulu ye-Axis Bluechip Fund. Le ngxowa-mali yavulwa ngokusesikweni nge-5 kaJanuwari ka-2010.
Injongo yotyalo-mali echaziweyo yale ngxowa-mali “kukudala ukukhula kwenkunzi yexesha elide ngotyalo-mali kwipotifoliyo eyohlukeneyo eyenziwe ikakhulu zii-equity kunye nezixhobo ezinxulumene ne-equity zamaqumrhu amakhulu.
Ukususela nge-31 kaJulayi, i-2022, i-Axis Bluechip Fund yayinempahla phantsi kolawulo olupheleleyo lwe-Rs, 35915.36 yezigidi. Ukusukela nge-30 kaJuni ngo-2022, umlinganiselo weendleko weNgxowa-mali yeSicwangciso esiQhelekileyo yi-1.69%.
Parag Parikh Flexi Cap Fund ngqo-Ukukhula
I-Open-ended Flexi Cap Equity scheme eyinxalenye yePPFAS Mutual Fund House yiParag Parikh Flexi Cap Fund – iSicwangciso esiNgqo. Yaziswa ngomhla wama-28 kuCanzibe ngo-2013.
Injongo yotyalo-mali yale ngxowa-mali ithi: “Ngotyalo-mali ubukhulu becala kwizabelo zamashishini ezingenanzala emisiweyo nakwizibambiso ezinxulumene nezabelo zamashishini ezingenanzala emisiweyo, inkqubo izama ukuvelisa uxabiso lwenkunzi yexesha elide. Ithelekiswa ne-NIFTY 500 Total Return Index njenge-benchmark.
Ukusukela nge-1 kaSeptemba 2022, iParag Parikh Flexi Cap Fund's Direct Plan's Current Net Asset Value for the Growth option yiRs 51.13. Ukusukela nge-31 kaJulayi, i-2022, ine-asethi ephantsi kolawulo lwe-Rs 24594.84 crore.
Kotak Emerging Equity Fund Ukukhula rhoqo
Inkqubo yeKotak Mahindra Mutual Fund House evuleleke ekupheleni kwenkqubo yolingano yiKotak Emerging Equity Fund Regular Plan. Le ngxowa-mali iqale ukusebenza nge-30 kaMatshi ka-2007.
Ngokwenjongo yotyalo-mali yengxowa-mali, elinganiselwa kwi-NIFTY Midcap 150 Total Return Index, iskim sijonge ukubonelela ngexabiso lenkunzi yexesha elide ngokusebenzisa ipotfoliyo ye-equities kunye nezixhobo ezinxulumene ne-equity-equity-related-investment primarily in mid-sizes company.
Ukusukela nge-1 kaSeptemba 2022, iKotak Emerging Equity Fund Regular Plan's Current Net Asset Value for the Growth option yiRs 77.00. Ukusukela nge-31 kaJulayi 2022, i-Kotak Emerging Equity Fund Regular Plan ine-asethi phantsi kolawulo olufikelela kwi-Rs. 20619.12 yezigidi.
isiphelo
I-mutual fund lukhetho oloyikekayo lotyalo-mali olunokunceda abantu abarholayo ukuba bakhe ubutyebi ekuhambeni kwexesha. Iimali ezihlangeneyo zibonelela ngezicwangciso kuzo zonke iinkalo zobomi, ukusuka kumhlalaphantsi ukuya ekuqokeleleni ubutyebi.
Unikezela ngotyalo-mali kubatyali-mali abalondolozayo kunye nabachasayo umngcipheko.
Inzuzo yeyantlukwano, ixabiso eliphantsi, inkululeko yokutyala imali kwixabiso elingaphantsi, kunye nolawulo lwengxowa-mali yeengcali zonke ziinzuzo.
Nangona kunjalo, iimali ezihlangeneyo ziphantsi komngcipheko weemarike kwaye zifunde onke amaxwebhu anxulumene nesikimu ngononophelo.
Shiya iMpendulo