Umsonto we-Quora kwitekhnoloji yabo yamva nje, "i-Wealth Monitor" ijongeka inethunzi kakhulu kum. Oku ayisosityholo nangayiphi na indlela okanye ibango leendlela zokuthengisa ezinomthunzi. Kodwa ukuqwalaselwa nje:
Jonga umsonto Apha uze ufunde uphononongo lwam ngezantsi.
Yintoni engalunganga ngomsonto?
Yonke impendulo ibonakala ithengisa kakhulu, iyafana, kwaye iyinkunkuma ethengisayo abakhuphela iingcali zobuchwephesha abakhuphela ngaphandle kwezi ntsuku.
Le yiflegi enkulu ebomvu, ngoko Bendiya kuyiphepha iDezerv okwangoku.
Iyamangalisa kuba inkampani ithe amabhongo abo kukwenza utyalo-mali lube lula kubathengi bayo. Zonke iintetho malunga neenqobo zokuziphatha kunye neenkolelo. Iyandimangalisa into yokuba bahlala phantsi. Inqanaba eligcinwe ngabakhohlisi kunye nabathengisi beMLM.
Kwakhona, la mashishini e-fintech aseIndiya anenkani kakhulu, ke andifumani Dezerv kwanto. Olu luluvo lwam kunye novavanyo, endinelungelo lokulo. Ndikhethe nje ukuzivakalisa esidlangalaleni. Andibonisi bungqina okanye bungqina bokubangela i-Dezerv, okanye iqela layo layo nayiphi na into engalunganga.
Kodwa into ebebeyenza ngeforum yokuthengisa ishaneli ayilunganga, ayinasimilo, kwaye ibuhlungu, njengoko ndixhalabileyo.
Kwaye ukusuka Zerodha basungule ezabo iimali, baya kutyala imali kwiingxowa-mali zabo ezintsha. Akukho ntlawulo okanye imitya eqhotyoshelweyo.
Awudingi "iingcali" zotyalo-mali kwiingxowa-mali ezifanayo.
Yiphephe iPMS kaDezerv ngokunjalo. Umthetho wam jikelele awuyikutyalomali kwi-PMS ngaphandle kokuba ifike inconywa ngabahlobo bakho abasondeleyo aba-3, oogxa bakho kunye nabantu obaqhelileyo.
Ngexesha elidlulileyo ndiye ndazi malunga ne-Dezerv, kwaye ndacinga ukuba inokuba licebo elihle ukuyizama.
Liqonga lokumema kuphela lolawulo lobutyebi apho ipotfoliyo yakho yenziwe ngokusekwe kumngcipheko wakho wokutya, utyalo-mali, kunye neempawu zakho zangoku zemali.
Xa utyala imali nge-Dezerv, ngokufutshane, iingcali ziya kuphatha imali yakho kwipotfoliyo yesiko eyenzelwe wena. Ukuqinisekisa ukuba ufumana imbuyekezo engaguqukiyo kwaye ufezekise iinjongo zakho zotyalo-mali ngaphandle kokutyala imali kwii-asethi eziqikelelwayo kunye nokukhetha isitokhwe somntu ngamnye.
Awunyanzelekanga ukuba uhlawule naziphi na iindleko kwi-Dezerv ngokulawula imali yakho.
Kodwa ngaba isimahla ngokwenene, okanye okona kubaluleke ngakumbi, ngaba ngokwenene awuhlawuli nto kwiingcali ezilawula imali yakho? Ndikuchazile oku ngokweenkcukacha ngakumbi ekupheleni kweli nqaku.
Ekubeni i-Dezerv ayivulelwanga wonke umntu ngokungagqibekanga, yenza kube lula kwiqela elincinane leengcali zotyalo-mali ezinobuchule ukunikezela ngeziphumo ezingcono kunye namava omsebenzisi.
Nantsi indlela yonke inkqubo yokukhwela ihambe:
Ndafaka isicelo se-Dezerv, kwaye kwiveki okanye malunga neveki ndafumana isimemo sam.
Nje ukuba usifumene isimemo, kufuneka ungene kwi-Dezerv usebenzisa inombolo yefowuni yakho, kwaye yile nto ndiyenzileyo.
Xa ungena okokuqala, into yokuqala oza kuyibona ziinkcukacha zakho zePotfoliyo eDityanisiweyo yoMntu (PIP).
Ndiza kuthetha nge-PIP ngokweenkcukacha xa ndiphonononga i-Dezerv, kodwa yindlela yabo yotyalo-mali lwepropathi ebizwa ngokuba yipropathi Indlela eDityanisiweyo yePotfoliyo (IPA), echaza ukwahlukana kwabo kunye nendlela yokukhetha ii-asethi.
Ngamazwi abo, i-IPA ithi:
I-Integrated Portfolio Approach™ ijolise ekwakhiweni kwepotfoliyo yodidi olulodwa lwee-asethi ezininzi, apho izibambiso ezongezelelweyo, ezigqwesileyo zodidi zikhethwa ukunikezela ngembuyekezo yepotfoliyo ephezulu ngokweprofayili yomngcipheko. Sisisombululo esibanzi kuzo zonke iimfuno zakho zotyalo-mali.
Kufuneka ucofe iqhosha elithi Seta iAkhawunti Yam ukwenza utyalo-mali lokuqala ngeDezerv.
Ngaphambi koko, mandithethe ngamacandelo aliqela kwiphepha lePotfoliyo eDityanisiweyo yoMntu ngasentla. I-Dezerv ikuvumela ukuba wenze ngokwezifiso ipotfoliyo yakho ngaphambi kokuba wenze utyalo-mali.
Umzekelo, ungahlela "iNdlela yoTyalo-mali" kwaye umisele kwiindlela ezintlanu ezahlukeneyo:
Ungakhetha phakathi:
- Ngenyameko
- I-Conservative
- Ukulungelelana
- ukukhula
- Iyaxaka
Ngoku, ngokusekelwe kwiimpendulo zakho kwimibuzo ebuzwa nguDezerv xa ufaka isicelo, bacebisa indlela yotyalo-mali efanelekileyo kuwe. Ndingumtyali-mali wexesha elide, kwaye kufanele ukuba ungumfundi we-AayushBhaskar.com ????.
Ngoko, ngokusekelwe kwiimpendulo zam (ixesha elide, ukunyamezela komngcipheko ophezulu) uDezerv ucebise iphothifoliyo enomngcipheko ophezulu wokukhulisa ubutyebi bam kwixesha elide. Sekunjalo, ndingakhetha enye indlela yotyalo-mali ukuba ndiyathanda.
Ukuba ufuna ukwazi imali oza kutyalwa kuyo imali yakho, cofa apha “Jonga iiNkcukacha zePotfoliyo”.
Uyakwazi ukubona indlela ipotifoliyo yam eyahlulwe ngayo kakuhle ngeemali ezifanayo kwi-Indian Equity, ii-asethi zoMvuzo oFixed kunye neGolide.
Le yipotifoliyo eyohlukeneyo kakhulu - elungiselelwe ukukhusela imbuyekezo yam ukusuka kwicala elisezantsi, ngakumbi ngamaxesha afana nentlekele yaseUkraine-Russia xa iimarike zezabelo zingawa ukuba imfazwe iyakhula. Igolide kunye nee-asethi zengeniso ezisisigxina zikholisa ukwenza ngcono kwezi meko.
Kukwakho neqela lee-FAQ onokuthi udlule kuzo ukuze uqonde ukuba i-Dezerv ilawula njani imali yakho, iimeko zokurhoxa, ukhuseleko lwemali, kwaye kutheni bekhetha iimali ezifanayo ngaphezu kwesitokhwe ngasinye.
Nje ukuba ugqibile ukuhlalutya iPotfoliyo yakho eDityanisiweyo yeDezerv, inyathelo elilandelayo lityala imali yokuqala INR 50,000 okanye ngaphezulu. Oku kuyavakala kuba kukho malunga ne-9 yeemali kwipotfoliyo yam.
Ndiqhubele phambili ndatyala imali eyi-50K kunye noDezerv.
Lonke utyalo-mali lwenziwa egameni lakho, uDezerv ngumququzeleli/umcebisi ngokulula.
Uza kufumana isiqinisekiso se-imeyile kuyo yonke imutual fund house kwipotfoliyo yakho xa i-Dezerv igqibile ukwenza utyalo-mali lwakho. Unako ke ukulandelela olu tyalo-mali usebenzisa a umkhangeli wepotifoliyo njengokuba.
I-Dezerv okwangoku ixhasa kuphela indlela yokuhlawula enye-iBhanki ye-Intanethi. Kungekudala baya kuza nezisombululo zentlawulo ye-UPI ngokunjalo.
Nje ukuba wenze utyalo-mali lokuqala, ufumana ukufikelela kwi-backend ye-Dezerv, apho unokulandelela ipotifoliyo yakho kwaye ulawule iakhawunti yakho.
Phawula -Ipotfoliyo yakho ayimi ndawonye. Iza kulungelelaniswa kwakhona ngonyaka ngemvume yakho. Unomlinganiselo othile wolawulo kutyalo-mali lwakho.
Uya kukwazi ukutsala imali emva kweentsuku ezi-3-5 zokwenza utyalo-mali lokuqala. Emva koko, akukho maxesha okutshixa. Kodwa thetha neqela leDezerv ngaphambi kokuba ukhethe ukurhoxa, unokukwazi gcina irhafu kwaye wehlise umthwalo wokuphuma.
Nantsi indlela ideshibhodi yeDezerv ejongeka ngayo:
Qaphela indlela ekufuneka ndifiphaze ngayo izinto ezithile kulo mfanekiso ungasentla. La ngamathuba otyalo-mali akhethekileyo kumalungu eDezerv.
Ekuqaleni, ndandinezicwangciso zokubhala ngayo, kodwa emva koko ndafunda la mathuba ayimfihlo kwaye anelungelo, kungekhona ukubhengezwa esidlangalaleni.
Ewe, ezi ziinkampani ze-Pre-IPO apho unokuthenga izabelo kubantu abazimisele ukuzithengisa ngaphandle kwemarike. Okanye ngamanye amaxesha ezi inokuba zii-asethi zoTyalo-mali ezizezinye, iiBondi zeSivuno esiPhezulu, okanye iNtsebenziswano namanye amaqonga otyalo-mali afana ne-GRIP.
Uya kufumana ukufikelela kula mathuba otyalo-mali akhethekileyo wakuba ube lilungu nawe.
Iqela leDezerv liya kukunceda ukuba uqonde okwenzekayo kuqoqosho lwangoku lwehlabathi kunye nendlela utyalo-mali lwakho oluchaphazeleka ngayo. Uya kufumana iividiyo ezichazayo kunye nemiyalezo ebhaliweyo malunga nezezimali kunye nohlaziyo lwezoqoqosho rhoqo emva koko.
Ukuba ufuna ukuthetha nomntu ukuze ufumane ingcaciso kwaye imibuzo yakho iphendulwe, kukho ilungu leqabane onokuthi uncokole nalo kuWhatsApp.
Dezerv Iintlawulo
Qonda ukuba uhlawula umrhumo.
Kwaye ayinangqiqo kuba unee-apps ezifana ne-INDmoney esele zenza le nto yenziwa nguDezerv. Abayivezi ngendlela ephucuke ngakumbi njengoko uDezerv esenza.
Ke kukho umthwalo wephenyane lokuthengisa oqhubekayo apha ngeenkonzo esele zikhona.
Awunguye ngqo ukuhlawula iDezerv ukulawula imali yakho, njengokurhuma.
Nangona kunjalo, utyalo-mali olwenziwe egameni lakho nge-Dezerv lwenzeka kwizicwangciso zengxowa-mali eziqhelekileyo kunye hayi izicwangciso ezithe ngqo.
Uthini umahluko phakathi kwezicwangciso zotyalo-mali ezithe ngqo kunye nezithe ngqo?
Izicwangciso zengxowa-mali eziqhelekileyo zisoloko ziququzelelwa nge-broker, umntu ophakathi. Kwaye yonke i-broker ihlawulwa ikhomishini yi-mutual fund house.
Ezi zindlu zengxowa-mali ezihlangeneyo azihlawuli ezi khomishini ngokuphuma epokothweni yazo. Bakuhlawulisa endaweni yoko.
Ngoko, uhlawula iqela le-Dezerv ngokobugcisa umrhumo omkhulu wokulawula imali yakho.
Ndibalile, kwaye kude kube ngoku njengoko ndityale imali kwi-Dezerv, ukuba ndiyigcina njenge-10 ezayo, ndiya kuhlawula malunga ne-4,00,000 kwiikhomishini.
Injongo yam yokukufundisa ngolu lwazi kukukunceda wenze isigqibo esifanelekileyo. Ndiyathemba ukuba oku kuyanceda. Ukuba uyandibuza, akukho ngqiqo ukutyalomali ngeDezerv.
Ukufikelela njani eDezerv?
Okokuqala, kufuneka ucele isimemo.
Emva koko bavavanya iprofayile yakho ngokusekwe kwiimpendulo zakho kwisicelo sokumema, abaphinda basebenzise ukwenza ipotfoliyo yakho yotyalo-mali. Ngoku, akufani nokuba baya kukwenzela ipotfoliyo entsha, kodwa uya kunikwa ufikelelo kwenye kwezi zintathu (uqikelelo lwam olukrwada) iipotifoliyo ezakhelwe kwangaphambili ngokusekwe kumngcipheko wakho wokutya.
Okokugqibela, xa yonke into isetiwe, ufumana isimemo esivela kwaDezerv, esisebenza malunga neentsuku ezisi-8.
Kufuneka wenze utyalo-mali phantsi kweentsuku ezisi-8 emva kokuba usifumene isimemo sakho. Ukuba awufuni, ithuba lakho lokutyala imali nge-Dezerv liyaphelelwa.
Konke oku akukho nto ngaphandle kweqhinga lokuthengisa – ke ungakhathazeki ukuba akusifumani isimemo kwakamsinyane. Ekugqibeleni baya kuvulela wonke umntu iqonga.
Xa ucofa ikhonkco elingentla, uya kufumana ukufikelela okuphambili kwi-Dezerv, ngokukhawuleza kunaye nabani na. Ilungiselelwe abafundi bam kuphela.
Ezi yayiziimbono zam zokuqala emva kokusebenzisa iDezerv.
Ngaba ndiza kuqhubeka ndityala imali kwi-Dezerv?
Mhlawumbi, hayi. Sele ndinePMS elawula uninzi lwemali yam (70%).
Nangona kunjalo, ndiyayithanda indlela yabo yonke. Ndiza kuthetha ngakumbi ngayo xa ndifumana iqonga labo kwiinyanga ezimbalwa ubuncinci kwaye ndibhale uphononongo malunga nalo. (Uhlaziyo, oku kuphononongwa, akukho nto ingako. Ngamafutshane, akufanelekanga ukuba ungumtyalo-mali ofundileyo. Kuyafaneleka ukuba awunalo ixesha lokuqonda imarike.)
Ndincoma ukuba uzifundise kwaye uzame ukutyalomali kwiingxowa-mali ezihambelanayo. Awunayo ukuhlawula iikomishini xa amaqonga afana Isikripthi, INDMoney kwaye khula ququzelela utyalo-mali oluthe ngqo lweMF ngeetoni zomxholo wezemfundo ukukunceda ukhethe ingxowa-mali efanelekileyo ngokusekelwe kwiimfuno zakho.
Varun
Molo Ayush, ngaba eli lixesha elinye lokutyala? Okanye ngaba kufuneka ndenze utyalo-mali olunjalo minyaka le? Kwakhona ukuba i-dezerv iyavala ke ndisengumnini wotyalo-mali lwam, akunjalo? Ukuqonda kwakho kundinike ukuzithemba okufanelekileyo ukuba ndiye phambili nokutyala imali .pls phendula ..
Aayush Bhaskar
Molo Varun,
Kufuneka utyale ubuncinci be-50K ukuze ufumane ufikelelo eDezerv. Emva koko, nanini na xa ufuna ukutyala imali eninzi, ubuncinci bemali yi-20K. Unokukhetha ukutyalomali kutyalo-mali oluqhelekileyo njengam (ngeveki). Okanye rhoqo ngexesha elithile, umzekelo, xa ufumana ibhonasi.
Utyalo-mali lwakho luthunyelwa ngqo kwi-mutual fund house. I-Dezerv yinto nje ephakathi. Awunaxhala malunga nokuba zivaliwe konke konke.
UAshwin
“Ke ngoko, uhlawula iDezerv imali eninzi yokulawula imali yakho.
Ndibale, kwaye ukuza kuthi ga ngoku njengoko ndityale imali kwi-Dezerv, ukuba ndiyigcina kule minyaka ili-10 izayo, ndiza kuhlawula malunga ne-4,00,000 kwiikomishini.
Molo Aayush!
Ngelixa uxoxa ngomba womrhumo (ucatshulwe ngasentla), ukhankanye ukuba unokulindela iintlawulo ezixabisa ii-Rs. I-4L yeminyaka eyi-10 yotyalo-mali lwakho lwangoku.
Unganceda unike inani le-ballpark yesixa-mali sakho sotyalo-mali ukuze unike umbono ongcono wobungakanani obunxulumene nomrhumo oqikelelweyo we-4L? Ngaphandle koko, umntu akakwazi ukufumana ingcamango efanelekileyo yesabelo sotyalo-mali esiya kulahleka njengemirhumo.
Ndinqwenela ukuva kuwe kungekudala.
Aayush Bhaskar
Ingcebiso - Ukusebenzisa ingcebiso ye-INDmoney (i-99 ngenyanga) unokujonga iikomishini.
Rajesh
Hi Ayush,
Ndiyabona ukuba ngoku iqela likaDezerv lithetha ukuba lityala imali kuphela kwingxowa-mali ethe ngqo kwimali elawulwa ngabo ngokusebenzayo kwinto ebizwa ngokuba zii-Asethi zokuKhula. Balindele i-3-4% ephezulu kunokusebenza kweemarike kwaye baya kuhlawulisa i-5% yenzuzo ngonyaka.
Ndasebenzisa inkonzo efanayo kwiphothifoliyo yesitokhwe, nangona kunjalo ngonyaka omnye andizange ndibone imbuyekezo efanayo njengentsebenzo yemarike kwaye ndiphuma kwiinkonzo zabo.
Naziphi na iingcebiso ukuba oku kuya kuba njani ngeendlela esele zikhona njengeScripbox, INDMoney, njl
Mahesh
Molo Ayush,
Okokuqala, ndiyabulela kuphononongo lwakho oluneenkcukacha kwiDeserv App. Njengoko ubuxela ukuba kuthetha ukuba kukho iintlawulo ezinkulu njengekhomishini, unganceda usazise ukuba iyakuba yimalini na ngokwepesenti. Umzekelo, ukuba ndiqala utyalo-mali nge-50K kwaye kamva i-20K njenge-SIP, ingakanani ipesenti enokuba yilahleko kum?
Qaphela: Ndimtsha kwilizwe lezemali notyalo-mali.