Iinkonzo zokucebisa ngeRobo ziya zisanda kakhulu eIndiya njengoko abantu bekhangela iindlela zokutyala ngaphandle kokubeka ixesha kunye neenzame zokulawula utyalo-mali lwabo ngokwabo.
Kukho inani leenkonzo ezahlukeneyo zeengcebiso zeRobo ezifumanekayo eIndiya, nganye inamandla kunye nobuthathaka bayo. Kule post yeblogi, siza kujonga kwii-8 zezona nkonzo zingcono ze-Robo-advisory eIndiya kwaye sibone ukuba yintoni eyenza ukuba bahluke kwabanye.
Yintoni i-Robo-Advisory Service?
Inkonzo ye-robo-advisory yinkonzo yokulawula utyalo-mali kwi-intanethi ebonelela ngokuzenzekelayo, iingcebiso zolawulo lwepotfoliyo esekelwe kwi-algorithm ngaphandle kwesidingo sabacebisi bezemali.
Abacebisi beRobo basebenzisa itekhnoloji ukubonelela ngeengcebiso zotyalo-mali olulolwakho kunye neenkonzo zolawulo lweepotfoliyo ngaphandle kokudibana kwabantu. Ngokuqhelekileyo zinexabiso eliphantsi kakhulu kunabacebisi bezemali bemveli kwaye inokuba lukhetho olulungileyo kubatyali-mali abakhululekileyo ukwenza ezabo izigqibo zotyalo-mali.
Ungazikhetha njani ezona nkonzo ziGqwesileyo zeRobo?
Kukho izinto ezimbalwa ekufuneka ziqwalaselwe xa ukhetha iinkonzo ze-robo-advisory. Eyokuqala ziintlawulo ezibizwa yinkonzo. Iinkonzo ezininzi ze-robo-advisory zihlawulisa ipesenti yezinto eziphantsi kolawulo, ngoko kubalulekile ukuthelekisa iifizi ezibizwa ngeenkonzo ezahlukeneyo.
Into yesibini yokuqwalasela isicwangciso sotyalo-mali lwenkonzo. Ezinye iinkonzo ze-robo-advisory zisebenzisa isicwangciso sotyalo-mali esingenamsebenzi, ngelixa abanye basebenzisa isicwangciso sotyalo-mali esisebenzayo. Kubalulekile ukukhetha inkonzo ehambelana neenjongo zakho zotyalo-mali.
Into yesithathu ekufuneka uyiqwalasele yinkonzo yabathengi. Kubalulekile ukukhetha inkonzo ephendula imibuzo kunye nezinto ezikuxhalabisayo.
Iinkonzo ezi-8 eziphezulu zeRobo-Advisory eIndiya
Kutshanje, amaIndiya aqale ukubonisa umdla omkhulu kwiimarike zemasheya. Ngokufanayo, abantu bakwafuna iqonga apho banokutyala imali kwaye bafumane imbuyekezo ngaphandle kokukhathazeka malunga namaqhinga okanye iimvakalelo.
Esi sizathu sokuba kubekho iinkonzo ezininzi ze-Robo-Advisory ezifakwe eIndiya. Ke, makhe sijonge kwiinkonzo ezi-9 eziphezulu zeRobo-Advisory.
1. Angel Broking ARQ
I-Angel Broking ibisoloko iyinkampani eqhutywa yitekhnoloji. Babengomnye wabathengisi abambalwa bokuqala ukubonelela ngeqonga lokurhweba kwi-intanethi. Kwaye ngoku, beze ne-ARQ - i-AI-based based order order placement kunye nesixhobo sokwenza.
I-ARQ yinkqubo ekrelekrele yokubeka iodolo esebenzisa iialgorithms zokufunda koomatshini ukufunda indlela oziphatha ngayo urhwebo kwaye emva koko ubeke urhwebo egameni lakho. Yinkqubo ezenzekelayo ngokupheleleyo engadingi nayiphi na igalelo kumthengisi. Ekuphela kwento ekufuneka uyenzile kukuseta iiparamitha ozifunayo kwaye i-ARQ iya kukhathalela ukuphumla.
I-ARQ yenzelwe ukugcina engqondweni iimfuno zabarhwebi abasebenzayo. Ibeka urhwebo ngexesha lokwenyani kwaye iyakwazi ukwenza iiodolo ezinkulu ngexesha elifutshane. Ngaphezu koko, ichaneke kakhulu kwaye ineziphene ezisezantsi kakhulu.
I-Angel Broking ibisoloko iphambili kwi-innovation kwaye i-ARQ bubungqina baloo nto. Sisixhobo sokutshintsha umdlalo esiqinisekileyo sokuguqula indlela abarhwebi abasebenza ngayo.
Amanqaku aphezulu
- Landelela lonke utyalo-mali lwakho kunye neepotfoliyo.
- Sebenzisa iSmartAPI ukwenza urhwebo lobuqu kunye neqonga lokutyala imali.
- Urhwebo oluzenzekelayo lusekwe kwindlela oziphatha ngayo ngaphandle kweemvakalelo zomntu.
- Iphuma kwangethuba ukuze kuncitshiswe ilahleko
- Isilingo sasimahla ngaphandle kohlaziyo oluzenzekelayo
2. 5Paisa Auto Investor
I-5Paisa i-Auto Investor ikuvumela ukuba uhlalutye i-stocks eqhuba kakuhle ngokusekwe kwiimethrikhi ezahlukeneyo ezigqitywe liqonga. Ikwakunika imihla ngemihla kunye nohlalutyo lweemarike zeveki ukusuka kwiingcali eziphezulu.
Enye into ephawulekayo yi-Model Portfolio eluhlu lwezitokhwe ezithathwe ngesandla liqela labaphandi kunye nabahlalutyi.
Olu luhlu lubizwa ngokuba yi-Growth 50 luvavanywa kwiimetrics ezahlukeneyo ngokwesiseko nangobuchwephesha. Ke, ungagcina ixesha lakho kwaye utyale imali ngokuthe ngqo kuyo nayiphi na isitokhwe kolu luhlu.
Amanqaku aphezulu
- Fumana izixhobo ezikrelekrele kunye neempawu.
- Fumana uluhlu olulolwakho lwezitokhwe ezishushu.
- Ukuqonda rhoqo kwipotfoliyo yakho.
- Thelekisa ipotifoliyo yakho namacandelo ahlukeneyo, izalathi zebenchmark, nokunye.
- Uhlaziyo lwemarike ephilayo.
3. Isikripthi
I-Scripbox ngumcebisi we-robo onceda abantu ukuba batyale imali yabo ngendlela elula kunye nezenzekelayo. Inika uluhlu olubanzi lweemveliso zotyalo-mali kunye neenkonzo, kubandakanywa iingcebiso zotyalo-mali, ulawulo lwepotfoliyo, kunye nophando lotyalo-mali.
I-Scripbox ineqela leengcali zezimali ezisebenza kunye ukubonelela ngamava otyalo-mali angcono kakhulu kubaxhasi bayo.
Amanqaku aphezulu
- I-Scripbox ayihlawulisi ikhomishini okanye imirhumo kutyalo-mali lwakho.
- Unokukhetha kuluhlu olubanzi lweengxowa-mali ezihlangeneyo ezivela kwiingxowa-mali ezihamba phambili.
- I-Scripbox inikezela ngendlela yotyalo-mali esekwe kwinjongo ekunceda ukuba utyale imali kwiingxowa-mali ezifanelekileyo kwiinjongo zakho zemali.
- Unokulandelela lonke utyalo-mali lwakho kunye nokusebenza kwindawo enye.
- Ungayikhupha imali yakho nangaliphi na ixesha ngaphandle kwesohlwayo.
4. Imali eIndiya
I-FundsIndia Robo Advisory isebenzisa itekhnoloji ye-cutting-edge kunye nohlalutyo lwedatha ukubonelela ngezicwangciso zotyalo-mali zomntu kubasebenzisi bayo.
Ithathela ingqalelo iinjongo zomsebenzisi, umdla womngcipheko, kunye ne-investment horizon ukwenza ipotfoliyo ye-ETFs (i-Exchange Traded Funds) kunye neengxowa-mali ezifanayo ezihambelana neenjongo zotyalo-mali zabasebenzisi.
Iqonga likwabonelela ngophawu olulodwa olubizwa ngokuba 'yinjongo yotyalo-mali olusekwe kwinjongo', evumela abasebenzisi ukuba batyale imali kwingobozi yee-ETF kunye neengxowa-mali ezihlangeneyo ezikhethwe ngokukodwa ukubanceda bafezekise iinjongo zabo zemali.
Amanqaku aphezulu
- Akukho khomishini okanye iifizi ezifihliweyo
- Izicwangciso zotyalo-mali ezenzelwe wena ngokusekelwe kumdla womsebenzisi womngcipheko kunye neenjongo.
- Uluhlu olubanzi lwee-ETF kunye neengxowa-mali ezifanayo.
- Irekhodi elungileyo eligqwesileyo kwiimarike
- Ubala kwaye ubonise ukuvezwa komngcipheko wotyalo-mali olwahlukeneyo
5. Sharekhan NEO
I-Sharekhan NEO ngumcebisi we-robo onceda abatyali-mali bacwangcise kwaye batyale imali kwikamva labo. I-NEO ihluke kwabanye abacebisi be-robo kuba inika umnxeba womntu. Ineqela leengcali zotyalo-mali ezisebenza kunye nabathengi ukuqonda iinjongo zabo kunye nokubonelela ngeengcebiso zomntu.
I-NEO ikwabonelela nge-app yeselula eyenza kube lula ukulandelela utyalo-mali lomntu kunye nokubeka iliso ekusebenzeni kwepotfoliyo yomntu.
I-NEO sisisombululo esihle kubatyali-mali abafuna indlela elula, esebenzayo, kunye neyonga imali yokutyala imali. Yindlela entle yokuqalisa ngokutyala imali kunye nokwakha isiseko esiluqilima sekamva lomntu.
Amanqaku aphezulu
- Iinketho ezahlukeneyo zolawulo lweepotfoliyo, kubandakanya ukunyamezela umngcipheko, iinjongo, kunye nexesha eliphakathi.
- Ulungelelanisa ipotifoliyo yakho ukuyigcina ihambelana neenjongo zakho zotyalo-mali.
- Idatha yexesha lokwenyani
- Isibonisi esilula nesisebenziseka lula
- Uluhlu olubanzi lweemveliso zotyalo-mali kunye neenkonzo, kubandakanywa isitokhwe, iingxowa-mali ezifanayo, ii-ETF, kunye nokunye.
6. ET Imali
Ukuba ujonge indlela elula nelula yokutyala imali yakho, kufuneka ngokuqinisekileyo ujonge i-ET Money's Robo Advisor. Ngale app, ungatyala imali yakho ngokuzenzekelayo kwipotifoliyo yee-ETFs (iimali ezitshintshiweyo) kunye neengxowa-mali ezifanayo. Kwaye okona kulungileyo kuko konke, kusimahla ukuyisebenzisa!
Ngomcebisi we-ET Money Robo, akufanele ukhathazeke ngokukhetha isitokhwe okanye ixesha lemarike. Endaweni yoko, unokuseta uhlahlo lwabiwo-mali lwenyanga kwaye iapp iya kutyala imali yakho ngokuzenzekelayo. Usetyenziso luya kulungelelanisa ngokuzenzekelayo ipotifoliyo yakho ukuyigcina yahlukene.
Amanqaku aphezulu
- Ungaqala ukutyala imali encinci njenge-5 yeedola.
- Umrhumo omncinci wonyaka we-0.50% kwibhalansi yeakhawunti yakho.
- Utyalo-mali ngendlela yerhafu
- Cwangcisa iinjongo kunye ne-ET Imali iya kutyala imali yakho ngokuzenzekelayo ukukunceda ukuba ufikelele kubo.
- Ilawula zonke izigqibo ezisekelwe kutyalo-mali egameni lakho.
7. I-Orowealth
I-Orowealth ngumboneleli okhokelayo weenkonzo zolawulo lotyalo-mali kwi-intanethi eIndiya. Inika iqonga elikhethekileyo, eliqhutywa yiteknoloji elinceda abatyali-mali benze izigqibo ezingcono zotyalo-mali.
Iqonga letekhnoloji ye-Orowealth lenza abatyali-mali benze izigqibo zotyalo-mali ngokulula nangokuzithemba. Ixhaswa ngabatyali-mali abaphambili kubandakanya iSequoia India, iSaif Partners, kunye neBlume Ventures.
Amanqaku aphezulu
- Ulawulo lotyalo-mali oluzenzekelayo
- Akukho mali incinci yotyalo-mali
- Uzamo lasimahla
- Umrhumo oqhelekileyo wonyaka oyi-0.50%
- Fumana ukufikelela kumcebisi wezezimali oqeqeshiweyo
8. Robonam
URobonam ngumcebisi werobhothi obonelela ngeengcebiso zotyalo-mali oluzenzekelayo. Isebenzisa i-intelligence yokwenziwa ukubonelela ngeengcebiso ngokusekelwe kwiinjongo zakho zotyalo-mali kunye nokunyamezela umngcipheko.
I-Robonam lukhetho olukhulu kubatyali-mali abafuna indlela yokucima izandla kutyalo-mali. Inokukunika iingcebiso zotyalo-mali ezilungiselelwe iinjongo zakho ezithile kunye nokunyamezela umngcipheko. Kwaye, ngenxa yokuba i-automated, inokubonelela ngezi ngcebiso ngokukhawuleza nangokufanelekileyo.
Amanqaku aphezulu
- Ii-algorithms zokulawula iintlobo ezahlukeneyo zomngcipheko kwipotifoliyo yakho.
- Lungisa kwakhona ipotifoliyo yakho ngokuzenzekelayo ukuze ugcine utyalo-mali lwakho lusendleleni.
- Iindidi ezahlukeneyo zeenketho zepotfoliyo zisekelwe kwiimfuno zakho.
- Fumana isilingo sasimahla sokusebenzisa iqonga.
Ndi thabathe
Iiapps zokucebisa ngeRobo ziya zithandwa kakhulu eIndiya, njengoko zibonelela ngendlela efanelekileyo nefikelelekayo yokutyala imali ngaphandle kwesidingo somcebisi wezemali ongumntu.
Ezi zixhobo zokucebisa i-robo e-Indiya zonke zihluke ngokweempawu kunye nokukhethwa kotyalo-mali, kodwa bonke babelana nenjongo efanayo yokunceda abasebenzisi bakhulise ubutyebi babo ngendlela elula kunye nezenzekelayo.
Kungenxa yoko le nto ndidwelise awona maqonga alungileyo nawona asebenza kakubi ngokusekwe kumanyathelo ahlukeneyo.