Ulawulo lwemali lunokuba yintloko xa unenani elikhulu lamatyala ekufuneka uwahlawule, utyalo-mali ekufuneka uyenzile, kunye nokonga ukonga ukwanda.
Kodwa kuthekani ukuba sikuxelele ukuba kukho umdlali omtsha edolophini olungele ukwenza ubomi bakho bezemali bube lula?
Bulisa kwi-ET Money, i-app yezemali egcweleyo etshayela imakethi yaseIndiya.
Kule post, siza kujonga ukuba yintoni eyenza i-ET Money ibonakale kwabanye kwaye ingaba ixabisa ithuba!
Intshayelelo ye-ET Imali kunye noMsebenzi wayo
Imali ye-ET lutyalo-mali lwaseIndiya kunye neqonga lolawulo lobutyebi elibone ukukhula okumangalisayo kwiminyaka yakutshanje. Ngekomkhulu eliseGurugram, eIndiya, inkampani yasungulwa ngoJanuwari 2015. Indoda emva kwempumelelo yayo nguMukesh P Kalra, osebenza njengoMseki kunye ne-CEO yeqonga.
Imali ye-ET inomsebenzi wokwenza ulawulo lwezemali lube lula kwaye lufikeleleke kubathengi abathengisa ngokuthengisa iteknoloji.
Inkampani ineqela elinetalente eliphezulu lamalungu angama-250 asebenza ngokuzimisela ukufezekisa iinjongo zayo. Indawo yokuthengisa ekhethekileyo ye-ET Money yi-zero-commission utyalo-mali oluhlangeneyo kunye namandla olawulo lweendleko, okuvumela abasebenzisi ukuba balandele utyalo-mali lwabo ngokulula.
Kule minyaka imbalwa idlulileyo, iqonga libone ukukhula okuphindwe kahlanu kwisiseko salo sabasebenzisi, liqinisa ngakumbi isikhundla salo njengelinye lamaqonga olawulo lobutyebi akhula ngokukhawuleza eIndiya.
Uqala njani?
Ukuqalisa nge-ET Imali yinto epholileyo. Nokuba ukhetha ukusebenzisa i-imeyile yakho okanye iakhawunti yakho kaGoogle, inkqubo iyakhawuleza kwaye ilula.
Ngokulula entloko ukuya ET Imali Website kwaye ubhalise usebenzisa indlela oyithandayo. Nje ukuba unikezele nge-OTP eza kuthunyelwa kwi-imeyile yakho okanye idityaniswe neakhawunti yakho kaGoogle, ungaqala ukujonga iqonga kunye nazo zonke iimpawu zalo ngaphandle kokukhathazeka malunga nawo nawaphi na amaxwebhu angakumbi.
Nangona kunjalo, ukuba unomdla wokuseka i-akhawunti yotyalo-mali, kuya kufuneka unikezele ngeenkcukacha zakho ze-PAN kunye neenkcukacha zebhanki eziqhagamshelwe kuloo akhawunti ye-PAN. Yonke le nkqubo ilungelelanisiwe ukwenza uhambo lwakho lwezemali lube lula kangangoko.
3. Isishwankathelo se-app kunye neempawu zayo
Kwa-ET Imali, akukho kunqongophala kwezixhobo kunye neempawu ezenzelwe ukukunceda ukuba ulawule imali yakho. Ukusuka kwiikhaltyhuleyitha kunye nabahlalutyi ukuya kwiiphothifoliyo zeengxowa-mali ezihlangeneyo kunye nohlalutyo lwesitokhwe, eli qonga linayo yonke into oyifunayo ukwenza izigqibo zemali ezinolwazi.
Ngapha koko, imali ye-ET inokuchazwa ngcono njengomcebisi wakho wezezimali wobuqu, uhlala ekhona ukukunceda ujonge kwihlabathi elinzima lezemali. Kodwa masingene nzulu kancinci kwaye sijonge ngakumbi kwezi mpawu nganye nganye.
(i) Isibali-manani soMtyali-mali
Ukutyala imali kwi imakethi yesitokhwe kubandakanya okungakumbi kunokubeka nje imali kwizinto eziyingozi kakhulu. Wonke umtyali-mali unobuntu obahlukileyo obuphembelela izigqibo zabo zemali.
Imali ye-ET inikezela ngesisombululo kule nto ngokubonelela ngesifundo somntu wotyalo-mali, esikunceda ukuba uqonde ukunyamezela kwakho umngcipheko kunye nokuphuhlisa isicwangciso semali esilungiselelweyo.
Iqonga liyakuqonda ukubaluleka kokutya kwiimfuno zomntu ngamnye, yingakho bebuza imibuzo embalwa yokuziphatha ukuvelisa uhlalutyo olucacileyo lomngcipheko olusekelwe kubuntu bakho. Olu hlalutyo lukunceda ukuba wenze izigqibo ezinolwazi, uqinisekise uhambo lwemali olulula.
Nge-hype ye-stock market yamva nje kumajelo eendaba ezentlalo, kuyahenda ukutsibela entloko, kodwa ukwazi ubuntu bakho bomtyali-mali kwasekuqaleni kungenza umahluko omkhulu ekufezekiseni iinjongo zakho zemali.
(ii) IsiKhokelo seNgxowa-mali ye-Mutual
Njengomntu osebenzisa i-ET Imali okwethutyana ngoku, ndingakuxelela mathupha ukuba isikhokelo sabo sengxowa-mali siphezulu. Okokuqala, banikezela ngekhomishini ye-zero kwaye bathenge simahla kwaye bathengise, ngaphandle kweentlawulo ezifihliweyo. Kwaye, bane-asethi engaphezulu kwe-5000 ye-crore phantsi kweengcebiso, ke uyazi ukuba baliqonga elithembekileyo.
Ukuqala kwam ukufumanisa i-ET Money's personalized and personality-wise personaldige fund mutual fund, ndachukumiseka kakhulu. Baneendidi ezingaphezulu kwama-30 kwi-equity segment, malunga nama-20 amacandelo e-fund mutual fund, kunye ne-8 hybrids iindidi. Eyona nto ibalulekileyo kum luthelekiso abalunikayo phakathi kweengxowa-mali ezahlukeneyo ezisebenzisanayo.
Ndiyazi ukuba ngamanye amaxesha, ukuba nezinto ezininzi onokukhetha kuzo kunokuba nzima kubatyali-mali.
Yiyo loo nto ndithanda ukuba i-ET Money igwebe iimali kwiiparamitha ezahlukeneyo kwaye inike ireyithingi yeVRO kwiinkwenkwezi ezi-5. Ngale ndlela, akufuneki ukuba udinwe zizo zonke iinketho - ungaya ngqo kwezo zibekwe phezulu kwaye wenze isigqibo sakho ukusuka apho.
(iii) Ucazululo lweNgxowa-mali ehlangeneyo
Ke ekugqibeleni ukhethe ophumeleleyo, kodwa ubambe nje umzuzwana! Kusekho elinye inyathelo elibalulekileyo – ukuhlalutya loo ngxowa-mali. Kwaye kulapho i-ET Money ingena khona kunye nesixhobo sabo sokuhlalutya ingxowa-mali ephezulu.
Ndichukumisekile xa ndiqala ukuyijonga kwingxowa-mali ye-Quant Tax Plan Direct-Growth. Ikhadi lengxelo olifumana kwisikrini ngokukhawuleza lilinganisa ingxowa-mali ngokusekelwe ekusebenzeni kwayo kunye nomngcipheko, zombini zilinganiswe ngeenkwenkwezi ezi-5 kule meko.
Kwaye ukuba ufana nam kwaye uyakuthanda ukubona amanani, kukho i-mutual calculator ebala ubutyebi bakho obunokubakho ngokusekelwe kwi-SIP okanye utyalo-mali olusisixa, ngokufaka iinkcukacha ezimbalwa ezifana nesixa-mali sotyalo-mali, umhla, kunye ne-tenure.
Kodwa ayipheleli apho. Skrolela ezantsi kancinci kwaye uya kubona ukumelwa okubonakalayo kwentsebenzo yengxowa-mali xa kuthelekiswa nomndilili wodidi, kunye nothelekiso oluneenkcukacha lwembuyekezo enokubakho kunye nezinye ii-asethi ezidumileyo njengeediphozithi ezisisigxina kunye negolide.
Oku kubaluleke kakhulu kuba, masibe yinyani, ingxowa-mali ehlangeneyo kufuneka yenze ngcono kunezi zikhetho zikhuselekileyo ngexesha lexesha ukuthethelela umngcipheko ewuthweleyo.
Kwaye ukuba ufuna ukungena kwiinkcukacha ze-nitty-gritty, uhlalutyo lunika lonke ulwazi olusisiseko malunga nengxowa-mali, njengomlinganiselo weendleko, umthwalo wokuphuma, i-asethi phantsi kolawulo, ubudala, kunye nokunye.
Ngoko ke, ngamafutshane, i-ET Money's mutual fund analysis tool yivenkile yokumisa enye yazo zonke iinkcukacha zengxowa-mali oyidingayo ukuze wenze izigqibo zotyalo-mali.
(iv) iPotfoliyo Health Checker
Ngaba ukhe wazibuza ukuba ingaba iphothifoliyo yakho yengxowa-mali ehlangeneyo yinto yonke ebonakala ngathi?
I-ET Money's Portfolio Health Checker inokukunceda ufumanise! Esi sixhobo esimangalisayo sihlalutya iphothifoliyo yakho kwii-parameters ezahlukeneyo ze-12, ukubonelela ngohlalutyo olucokisekileyo kunye nolunzulu.
Ndikhe ndasebenzisa esi sixhobo ngokwam kwaye ndinokuthi sisisindisi sokwenyani, esithenjwa ngabasebenzisi abangaphezu kwe-70 lakh. Ngamanye amaxesha neyona mali intle idityanisiwe ayinako ukuyibetha imarike, kulapho iPotfoliyo yeMpilo ingena khona.
Iya kukunika uhlolo oluchanekileyo lwepotfoliyo yakho, ikubonisa ukuba inondlongondlongo okanye ingqongqo kakhulu, ukuba utyhileke kakhulu kwicandelo elithile okanye kudidi lwe-asethi, nokunye.
Ukuhlaziya ulwazi lwepotfoliyo yakho konke okufunekayo, kwaye isixhobo senza okushiyekileyo. Uya kufumana uphononongo olubanzi, ekunika umfanekiso opheleleyo wempilo yepotfoliyo yakho.
(v) Ingcaphephe
Ngaba ukhe wafuna iingcebiso zotyalo mali kubahlobo, kubamelwane, okanye koogxa bethu?
Ukuba ungumNdiya, ndiqinisekile ukuba unayo. Xa uqala utyalo-mali, imibuzo ayinasiphelo - yintoni oza kutyala kuyo, utyalomali olungakanani, kwaye nini ukutyala imali yincam nje ye-iceberg. Ngenisa i-ET Money's Genius feature.
Inkqubo ayikwazanga ukuba lula. Ngokusekwe kumda wexesha lakho kunye nobuntu bomtyali-mali, iGenius icebisa iipotfoliyo zomntu ezenziwe ziingcali zeshishini.
Ezi potifoliyo ziyindibaniselwano yee-asethi ezifana nezabelo zamashishini aseIndiya, izabelo zamashishini ezingenanzala emisiweyo, igolide, amatyala, kunye nokunye, okulungiselelwe umnqweno wakho womngcipheko. Kwaye inxalenye engcono? I-Genius iphinda ilandelele imarike kwaye ibonelele ngokuqonda ukukunceda uhlengahlengise ipotifoliyo yakho, ukuze ukwazi ukugcina utyalo-mali lwakho lusendleleni.
Iindleko zenyanga yi-249 rupees, kubandakanywa ne-GST, kwaye ihlawulwa ngekota.
Ndichukumisekile yinkqubo yamaxabiso eflethi ye-ET Money, nto leyo ethetha ukuba nokuba ingakanani na ipotifoliyo yakho, uyakuhlala uhlawuliswa isixa esifanayo ngenyanga nganye. Kwaye kukho nomnikelo okhethekileyo oqhubekayo apho unokufumana iinyanga ezi-3 zokuqala nge-49 rupees kuphela ngenyanga!
(vi) I-inshurensi
Njengomntu osebenzise i-ET Imali okwethutyana ngoku, ndingakuxelela ukuba enye yezinto endizithandayo ngeqonga luphawu lwe-inshurensi.
Inika i-inshorensi yempilo kunye ne-inshurensi yobomi bexesha, ezizezona migaqo-nkqubo zimbini ze-inshorensi ezisisiseko ekufuneka wonke umntu abenazo. Le migaqo-nkqubo yenzelwe ukukubonelela ngokhuseleko lwezemali xa kukho amashwa kwaye ikuncede ukhusele ikamva labo ubathandayo.
I-inshurensi yobomi bexeshana, umzekelo, ikubonelela ngesicwangciso somntu ngamnye esisekelwe kwiminyaka yakho, isini, imikhwa (umntu otshayayo okanye ongatshayiyo), kunye nomvuzo wonyaka. Kwimeko yokubhubha ngelishwa, ingeniso yokuvuthwa ayinarhafu, inika wena kunye nabo ubathandayo uxolo lwengqondo ngamaxesha anzima.
Unokwenza imiqathango, i-inshorensi, okanye ezinye izibonelelo ukuze zilungele wena, kwaye ukuba kuyimfuneko, ungayirhoxisa ipolisi kwiintsuku ezili-15.
Kwelinye icala, ipolisi ye-inshorensi yezempilo ye-ET Money ikuvumela ukuba uthenge isicwangciso seinshorensi yezempilo edibeneyo yosapho lwakho lonke. Lo mgaqo-nkqubo ubonelela ngoxilongo lwezempilo lwasimahla ngamaxesha athile, kwaye ungafumana unyango olungenamali kwizibhedlele eziphambili kwilizwe lonke.
Ngaphezu koko, unako nokuba gcina irhafu ukuya kuthi ga kwi-15600, kwaye umgaqo-nkqubo awubandakanyi nje iindleko zokulaliswa esibhedlele, kodwa zonke iindleko eziqhotyoshelwe kuyo, iintsuku ezingama-30-60 ngaphambi okanye emva konyango.
Amava omsebenzisi kunye nojongano
Njengomsebenzisi weqonga leMali le-ET, ndingatsho ukuba i-UI iyasebenza kwaye yenza umsebenzi wenziwe. Amacandelo edeshibhodi alungelelaniswe kakuhle kwaye avumela ukufikelela ngokukhawuleza kwizixhobo ezahlukeneyo ezifana neengxowa-mali ezihlangeneyo, izabelo, iiphothifoliyo zeGenius, kunye neekhaltyhuleyitha.
Inketho ethi "Iakhawunti Yam" phezulu ekunene sisixhobo esiluncedo esigcina umkhondo wazo zonke ii-asethi zakho kwindawo enye, okwenza kube lula ukujonga ii-SIPs zakho, intengiselwano, kunye nenye idatha yotyalo-mali.
Ngelixa inguqulelo yePC icwangciswe kakuhle, ndikhetha i-ET Money app yeselula ngokulula kwayo kunye ne-UI esebenziseka lula. Kwihlabathi lanamhlanje elikhawulezayo, kulungele ngakumbi ukulawula utyalo-mali ekuhambeni, kwaye i-app yenza umsebenzi oncomekayo wokuqinisekisa ukuba abathengi bayafikelela kuzo zonke izixhobo abazifunayo kwisitayile esisebenziseka kalula.
5. Iintlawulo kunye neentlawulo
Ngokhetho lwabo lwe-Direct Mutual Funds, unokutyala imali ngaphandle kokukhathazeka malunga naziphi na iintlawulo ezifihliweyo okanye iikhomishini, zombini ngexesha lokuthenga nokuthengisa iiyunithi. Kwaye, ukuba unomdla wokuvula i-akhawunti ye-NPS, kukho umrhumo wexesha elinye wokuvula i-akhawunti ye-Rs 400 + GST.
Ngentengiselwano nganye, kukho umrhumo oqhelekileyo we-0.25% wemali yotyalo-mali + i-GST okanye i-Rs. 30 + GST. Ngokuphathelele ubulungu babo beGenius, iza nomrhumo wenyanga we-249 Rupees, kubandakanywa ne-GST, ehlawulwa ngekota.
Kodwa njengoko kukhankanyiwe kwicandelo le-'Genius', ngoku banikezela ngomrhumo we-'Genius' we-49/ngenyanga kwiinyanga ezi-3 zokuqala.
6. Inkxaso yomthengi
Xa kuziwa kwinkxaso yabathengi, i-ET Money ikufumene. Iqonga libonelela ngobutyebi bolwazi ngohlobo lwemibuzo esoloko ibuzwa ukukunceda ukhawuleze ukusombulula imiba eqhelekileyo. Nangona kunjalo, ukuba udibana nengxaki engabandakanywanga kwii-FAQs, indlela yokulungisa izikhalazo zomthengi we-ET Money isoloko ilapha ukukunceda.
Ukuphakamisa nje itikiti kwaye iqela le-ET Imali liya kuphanda ngokukhawuleza umcimbi kwaye libuyele kuwe ngesisombululo. Nokuba ufuna uncedo ngomba wobugcisa okanye unombuzo malunga neakhawunti yakho, i-ET Imali izimisele ukubonelela ngenkxaso oyifunayo ukuze ube namava otyalo-mali angenamthungo.
7. Ukhuseleko kunye nokhuseleko lwedatha yomsebenzisi
Xa kuziwa kutyalo-mali, ukhuseleko kunye nokhuseleko zihlala ziyinkxalabo ephezulu kum. Ngombulelo, ndifumene ukuba i-ET Money app ithatha ezi zinto ngokubalulekileyo. I-app ibhaliswe kunye ne-SEBI, eluphawu oluhle, kodwa eyona nto iyahlula kukusetyenziswa kwayo kwi-encryption ukukhusela idatha yomsebenzisi.
Ngalo lonke ixesha ndingena, ndiyazi ukuba iinkcukacha zam zobuqu kunye neenkcukacha zotyalo-mali zikhuselekile kwaye zikhuselekile kubusela okanye ekusebenziseni kakubi.
Ke, ndingaphumla ngokulula ndisazi ukuba ikamva lam lezemali lisezandleni ezilungileyo
8. Ukushokoxeka
Ukusebenzisa i-ET Money, ndiye ndaqaphela iingxaki ezimbalwa ezinokuthi zikhankanywe. Ukuqala, into yokuhlaziya ngokuzenzekelayo yobhaliso lweGenius inokuba yintlungu ukuba uyalibala ukuyirhoxisa. Ngokungafaniyo namanye amaqonga, imali ye-ET ayiboneleli ngembuyekezo yexesha elingasetyenziswanga.
Ukongeza, konke ukulungelelaniswa kwakhona kubangela umthwalo ophumayo, ke qaphela ukuba ucinga ukusebenzisa i-app ukulawula utyalo-mali lwakho.
Omnye umba endiye ndadibana nawo kukungabikho kwenkxaso ephilayo. Ukuba ufuna uncedo, kuya kufuneka ungenise itikiti kwaye ulinde iqela le-ET Money ukuba liphande. Akukho nkxaso yefowuni efumanekayo nayo, ngoko ke kunokuba ngumngeni ukuba ufuna uncedo ngokukhawuleza.
Okokugqibela, ngelixa i-ET Money ibango lokubonelela ngeengcebiso zepotfoliyo zomntu, ukhetho abalunikezelayo lunokukhawulelwa ngokusekelwe kulwazi olunikezelayo. Kuya kuba kuhle ukuba bandise iminikelo yabo yepotfoliyo kwixa elizayo ukuze banike iingcebiso ezizezomntu.
Ngokubanzi, ezi yimida nje embalwa ekufuneka uyiqaphele, kodwa akufuneki isuse kumava amnandi endinawo nge-ET Money.
9. Iingcebiso kubasebenzisi
Ukuba umtsha kutyalo-mali kunye nokukhangela iqonga lokulawula iimali zakho, i-ET Imali inokuba lukhetho oluhle. I-app yindlela eyoyikekayo yokwenza iinyawo zakho zibe manzi kwihlabathi lotyalo-mali, kunye noyilo olusebenziseka lula kunye neendlela ezahlukeneyo zotyalo-mali onokukhetha kuzo.
Nangona kunjalo, xa kufikwa kubuchule obuphambili, njengobulungu be-ET Money Genius, ndingacebisa isilumkiso. Ngelixa ndiqinisekile ukuba iiphothifoliyo ezilungiselelweyo kunye nezinye iimpawu zeprimiyamu ziluncedo kwabanye, andicingi ukuba zindifanele.
Iinkonzo zasimahla ngokuqinisekileyo zifanele ukujongwa, kodwa ngaphambi kokuba ndizibophelele kurhumo lwenyanga, ndingaqwalasela ukulungelelanisa iindleko kunye noncedo.
Shiya iMpendulo