Ngokwanda kwabantu abatyala imali kwiiMarike zaseIndiya, iifemu ezininzi zokuthengisa iza kucofa eli thuba.
Kwiimeko ezinjalo, i-Groww ibonakala ibe liqonga elidumileyo lokutyala imali kubantu abaninzi. Ukuba udidekile malunga nokuba kufuneka uyisebenzise okanye naliphi na elinye iqonga, ke jonga uphononongo lwam lokuKhula.
Yiba luluhlu lweempawu okanye iifizi ezibandakanyekayo kwi-app, ndizamile yonke into eqongeni, kwaye nantsi into endiyithathayo kuyo.
Yintoni Ukukhula?
Ukukhula liqonga lokurhweba ngesitokhwe apho abasebenzisi banokuthenga ngokulula izitokhwe, iiNgxowa-mali eziBalulekileyo, iGolide, kwaye bathathe inxaxheba kwiZitokhwe zase-US. Kwakhona kukuvumela ukuba uthathe inxaxheba kwiimarike eziphambili, oko kukuthi, ii-IPOs.
I-Groww ligama le-brand le-Nextbillion Technology Private Limited, i-SEBI ebhalisiweyo kwi-Stockbroker kunye nelungu le-National Stock Exchange (NSE) kunye ne-Bombay Stock Exchange (BSE).
Liqonga lokuthengisa isitokhwe kwi-intanethi kwaye aliniki ngcebiso okanye iingcebiso. Nangona kunjalo, unokufunda malunga ne Iimarike zesitokhwe, utyalo-mali, kunye nokunye okuninzi nge-E-ncwadi kunye neevidiyo eqongeni.
Iimpawu ze-Groww App
Ne Khulisa usetyenziso, ungathenga izitokhwe, wenze uluhlu lokubukela olulolwakho utyala imali kwii-SIP zenyanga, kunye nokunye okuninzi. Makhe sijonge zonke ezi mpawu ngokweenkcukacha.
1. Ideshibhodi enomtsalane
Ideshibhodi ye-app ikuvumela ukuba ujonge lonke utyalo-mali lwakho, amaxabiso angoku, kunye nezona asethi zisebenza kakuhle nezisebenza kakhulu zosuku. Ungatshintsha ngokulula isikrini kwaye wazi yonke into oyifunayo.
2. Ii-asethi ezininzi
Ukusuka kwizitokhwe, kwiiNgxowa-mali eziBambisanayo, kunye nee-FD ukuya kwii-IPO, Idijithali yegolide, kunye nee-ETF, Ukukhula kukuzisela izixhobo zotyalo-mali ezininzi. Ikwanika iFutures & Options ukhetho lwabarhwebi. Unokwenza ngokulula utyalo-mali lwempompo enye kuzo zonke ezi asethi.
3. IiNkcukacha eziGqibeleleyo zee-Asethi
Nge-Groww, ungaphumla kwinxalenye yophando lwakho kuyo nayiphi na i-asethi. Ikunika ulwazi oluneenkcukacha malunga nenkampani.
Uyakwazi ukubeka iliso ngokucacileyo iitshathi ze-asethi ukuze ufumane ingcamango malunga nokuhamba kwexabiso. Ikwakunika nembali yokusebenza epheleleyo ye-asethi.
Unokufunda iindaba zangoku malunga nenkampani kunye neziganeko zayo ezizayo. Lonke olu lwazi luchaphazela kakhulu amaxabiso esitokhwe kwaye ke kufuneka wazi malunga nawo.
4. Ukubekwa kweodolo yokuNqakraza
I-Groww ikuvumela ukuba wenze iintlawulo ezingasokoli kunye notyalo-mali ngokukhululeka kweminwe yakho. Ivumela abasebenzisi ukuba bafake ii-odolo ngokucofa okukodwa ngokukhetha isitokhwe kwaye bacofe "Thenga".
5. I-Smartsave
Luphawu olutsha oluveliswe nguGroww olukuvumela ukuba ugcine imali yakho ngelixa ufumana imbuyekezo ephezulu kuneakhawunti yebhanki yokonga. Igcina imali yakho kwi-ICICI Prudential Liquid Fund, enceda ekwandiseni inzala yakho kunye nokunciphisa umngcipheko.
Abasebenzisi banazo zombini iindlela zokukhetha ukutyala isixa-mali okanye ukukhetha i-SIP yenyanga.
6. Uluhlu lokubukela olulungiselelweyo
NgoKhula, unokwenza olwakho uludwe lokubukela. Unokwahlula utyalo-mali lwakho lwexesha elide kunye notyalo-mali lwexesha elifutshane ngale nto, okanye uyisebenzise ngendlela othanda ngayo. Oku kukuvumela ukuba uhlele ii-asethi ezahlukeneyo kwaye kukunika umfanekiso omkhulu ngakumbi.
7. Rhoxisa/ Misa i-SIP eqhubekayo
I-Groww inikezela ngokuguquguquka okukhulu kunye negunya kubathengi bayo xa kuthelekiswa nemithombo yemveli yotyalo-mali. Ivumela abasebenzisi ukuba barhoxise, bamise i-SIP eqhubekayo, okanye batshintshele kwenye ukuba umthengi ubone kufanelekile.
Yiyo loo nto, abatyali-zimali banokutyala imali nanini na befuna, ngalo naliphi na ixesha abalifunayo, kunye nobuncinci bemali yokuqala eyi- ₹ 500 nje.
8. Ukuqonda iPotfoliyo kunye noLawulo
Ipotfoliyo yingqokelela okanye ibhaskithi efanayo okanye yodidi olwahlukileyo lwezibambiso apho umntu ajonge ukubeka utyalo-mali lwakhe.
Ukuba nepotifoliyo kubangela ukuba umntu asasaze umngcipheko phakathi kweeseti ezininzi zezibambiso, okukhokelela kwimbuyekezo ephezulu kwinkunzi. I-Groww ikuvumela ukuba udale kwaye ulawule ipotfoliyo yakho ukugcina umkhondo weeseti ezahlukeneyo zokhuseleko onazo.
Izixhobo zoTyalo mali ezahlukeneyo zokuKhula
Kukho iintlobo ezahlukeneyo zokhetho lotyalo-mali oluza kunye ne-app ye-Khulisa. Ayikuvumeli nje ukuba utyale imali kuzo kodwa ikwanika ujongano olugudileyo nolusebenziseka lula olulwenza lube luncedo lwabaqalayo.
Makhe sizijonge ngokweenkcukacha.
1. Izitokhwe
Esona sixhobo siphambili kunye nesona sidumileyo sotyalo-mali kwiqonga ziiStokhwe. Abasebenzisi banokuskrolela ngokulula ukuya kwizitokhwe ezihamba phambili.
Ude ufikelele kwiscreen sokufumana izitokhwe eziphezulu, ukulahleka kwezitokhwe eziphezulu, kunye nezinye izihluzi eziphambili kwi-app. Ikwakuvumela ukuba ubone uluhlu olwahlukeneyo lwezitokhwe ezicwangciswe kumacandelo abo okanye ngokwemakethi yazo yemarike.
Ngokubanzi, unokucoca nantoni na eqongeni kwaye emva koko uthathe isigqibo malunga nezitokhwe ozithembe kakhulu ngazo.
2. Iimali eziguqukayo
Ukuba awungomrhwebi osebenzayo kunye nomntu othanda nje ukufumana umvuzo ozinzileyo, iMutual Funds inokuba yinto oyithandayo. Khulisa iapp ikuvumela tyala imali kwiMutual Funds ngemizuzu. Unokukhangela ngokulula iMF oyithandayo kwaye kunokwenzeka ukuba uyifumane eqongeni.
Njengoko uvula ideshibhodi yeMutual Funds, unokulucoca ngokulula ukhetho lwakho. I-Groww ikunika iiNgxowa-mali eziManyeneyo ezidumileyo kunye nezinye zezinto onokukhetha kuzo eqongeni.
Usenokukhetha ii-NFOs (iiNgxowa-mali eziNtsha) ezivumela abatyali-mali bangethuba bathathe inxaxheba kwingxowa-mali. Ngeemali ezahlukeneyo eqongeni, unokuzithelekisa kwaye wenze isigqibo ngeyona uyithandayo.
3. IiDipozithi eziZinzileyo
Nangona i-Groww ibonelela ngee-asethi ezinobungozi kakhulu, ikwabonelela ngeendlela ezikhuselekileyo zotyalo-mali kubasebenzisi bayo.
Unokwenza utyalo-mali kwiiDipozithi eziZinzileyo ezikhuselekileyo nezikhuselweyo ezinenzala ephezulu. I-Groww ithembisa ukuba akukho ntlawulo ifihliweyo kolu tyalo-mali, kwaye unokufumana ii-FDs zakho kwii-akhawunti ezininzi zebhanki.
Abantu abadala bade babonelelwe nge-0.5% yenzala eyongezelelweyo kuzo zonke ii-FDs zebhanki.
4. US Stocks
Le yeyona nto ibalaseleyo ye-app Khulisa. Unako ngokulula tyala imali kwi-stocks yase-US ngentuthuzelo yengxelo yakho efanayo. Ukuba ubusoloko ufuna ukutyala imali kwiMicrosoft, iApple, okanye iTesla, Khulisa ilapha kuwe. Utyalomali ngokulula nakweyiphi na isitokhwe sase-US ngeqonga.
Iakhawunti yakho iyavulwa ngaphandle kwentlawulo eyongezelelweyo kutyalo-mali kwizitokhwe zase-US. Akukho brokerage ebandakanyekayo kuyo nayiphi na intengiso oyithathayo kwi-stock market yase-US. Ungatyala imali ngokulula kumaqhezu kwezi nkampani.
Xa utyala imali nakwesiphi na isitokhwe sase-US ngokusebenzisa i-Groww, i-akhawunti yakho igcinwa kwi-ViewTrade. Yi-SEC ebhalisiweyo kunye ne-FINRA-elawulwa yi-broker yeerekhodi kunye neencwadi. I-ViewTrade isebenza ne-Apex Clearing Corporation ukurhweba ngokucocwa kunye nokugcina imiba yeeakhawunti zabasebenzisi.
Olunye uncedo olufumana ngokutyala imali kwizitokhwe zase-US ngokusebenzisa i-Groww kukuba ufumana i-10 yeedola ngoko nangoko.
5. IPO (Unikezelo loluntu lokuqala)
Ayekho loo maxesha xa ubukade uzisole ngokuba awuzange utyale imali kwi-IPO, kwaye ngoku yajika yaba sisitokhwe esikhulu. NgokuKhula, ufumana ukutyala imali kwii-IPO ezihlala kwiimarike zaseIndiya. Jonga ngokulula ii-IPO ezahlukeneyo, funda onke amaxwebhu e-IPO, kwaye wenze utyalo-mali lwakho.
Ukwafumana ukufunda onke amandla kunye nobuthathaka be-IPO ephuma kwiqonga le-Groww. Jonga iimali zabo kunye nazo zonke ezinye iinkcukacha zembali ngaphambi kokuba utyale imali yakho kubo.
6. Ii-ETFs
Olunye utyalo-mali olukhuselekileyo olukhuselekileyo ngaphandle kweeNgxowa-mali zoMdibaniso, unokuthenga ii-ETF nge-Groww.
I-ETF yibhaskithi yezibambiso ezidityaniswe kunye. Iquka iimpawu zesitokhwe, iibhondi, kunye neeNgxowa-mali ezihlangeneyo. Ungathengisa ezi ziqinisekiso imini yonke njengezitokhwe.
Kukho iitoni ze-ETF ezihlala kwiqonga le-Groww. Unokuzijonga ngokulula kwaye utyale imali kwi-ETF oyithandayo.
7. Ikamva & Ukhetho
Ukuba ungumrhwebi osebenzayo othanda ukurhweba kwiFutures & Options, ke le inokuba yinto oyithandayo yosetyenziso.
I-Groww ikubonelela ngeenkonzo zeFutures & Options apho unokurhweba ngokulula ngexesha lentengiso njengalo naliphi na elinye iqonga lokurhweba.
8. Ii-SIPs
Ukuba ungumntu othanda ukutyala imali kwii-SIPs, i-Groww ayizukukudanisa. Utyalo-mali kwiimali ngokulula ngee-SIP zeNyanga.
Seta isixa sakho se-SIP kunye nomhla, kwaye i-Groww iya kutyala imali yakho ngokuzenzekelayo kwizixhobo zotyalo-mali ngale mihla ikhankanyiweyo. Yinkqubo egudileyo kakhulu kwaye inika inkxaso epheleleyo.
9. I-Sovereign Gold Bonds (SGBs)
Le yinto engaphandle kwebhokisi kwiqela le-Groww. Inika ii-asethi ezahlukeneyo ezifana Iibhondi zeGolide eziPhakamileyo (SGBs) kubasebenzisi bayo. Ngeli nqaku, ungatyala imali ngokuthe ngqo kule asethi nge-app.
Ezi bhondi zibonelela nge-2.5% inzala yonyaka, ehlawulwa rhoqo kwiinyanga ezintandathu. Yintoni eyenza ezi bhondi zikhuseleke kwaye zikhuseleke kukuba zixhaswa nguRhulumente kwaye zitsale irhafu ye-capital gain zero ekuvuthweni.
Lukhetho oluhle kakhulu lotyalo-mali ukuba ufuna ukuyidlala ngokukhuselekileyo ngemali yakho.
Izicwangciso ze-Groww's Brokerage
Ngokungafaniyo nezinye iifemu ze-brokerage, apho abasebenzisi kufuneka bahlawule i-AMC (i-Average Monthly Charge), i-Groww ihlawulisa nto kubasebenzisi bayo. Makhe sithethe ngeentlawulo ze-brokerage zentengiselwano kwi-app.
Umrhwebi ohlawuliswa ezi apps zokurhweba uhlala uphantsi kakhulu kwaye awuphenduli kakhulu. Nangona kunjalo, xa uthenga kwaye uthengisa ii-asethi zakho rhoqo, kubaluleke kakhulu ukujonga ezi ntlawulo.
Ukukhula kulandela imodeli eqinile kwaye ezinzileyo kwizicwangciso zabo zokuthengisa. Ibiza umrhumo othe tyaba wee-Rs.20 ukuba umsebenzisi uthatha inxaxheba ekuthengeni i-Equity, i-Intraday Transactions, kunye neFutures & Iinketho zorhwebo. Esi sixa-mali sikwayeyona ntlawulo iphezulu yokuKhula ngeodolo nganye kuwo onke amacandelo awohlukeneyo orhwebo.
Kwi-Equity Delivery, i-Groww ibiza i-brokerage kwiimodeli ezimbini. Ingaba ibiza i-Rs.20 ngomyalelo okanye i-0.05% yorhwebo, nayiphi na iphantsi. Lo mzekelo ulandelwa ngexesha le-Intraday trades.
Ukuba wenza iFutures & Options, ke kufuneka uhlawule intlawulo eyi-Rs.20 ngeodolo nganye. Ngaphandle koku, kufuneka uhlawule ezinye iintlawulo zolawulo kunye neentlawulo zeDemat.
Kwimeko yesikwere-off ngokuzenzekelayo, uhlawuliswa i-Rs.50 ngeodolo nganye.
Indlela yokuthenga kwi-Groww?
1. Ngena kwiakhawunti yakho Khulisa kwaye uqinisekise iakhawunti yakho nge-KYC.
2. Khangela isitokhwe ofuna ukusithenga
3. Hlalutya itshathi yexabiso kwiiFreyimu zeXesha ezahlukeneyo. Unokusebenzisa izixhobo ezahlukeneyo kunye neempawu kwitshathi ukuze ufumane iziqinisekiso ezininzi.
4. Khetha imarike (NSE/BSE) kunye nesakhiwo sexabiso. Ixabiso eliqingqiweyo likuvumela ukuba usete ixabiso onqwenela ukuthenga ngalo isitokhwe. Ixabiso lemarike likuthengela isitokhwe ngexabiso langoku leMarike. Ngokubanzi, ixabiso leMarike likhawuleza kakhulu njengoko lingenaxesha lokulinda.
5. Ukuba ufuna ukongeza imali eninzi, ungayenza ngokulula ngeqonga.
6. Sebenzisa i-UPI yakho, i-Net Banking, okanye i-Bank Transfer ukwenza intlawulo.
7. Ngokukhawuleza ukuba wenze oku, uya kuba nakho ukuthenga isitokhwe.
8. Qaphela, ukuba akusayi kukwazi ukuthenga okanye ukuthengisa nantoni na emarikeni ukuba imarike ivaliwe ngenxa yeeholide, okanye lidlule ixesha lemarike (9:15 AM- 3:30 PM)
Okulungileyo:
- Ukurhweba ngokukhuselekileyo ngeendlela zale mihla zokufihla
- Isicelo sotyalo-mali olupheleleyo, oko kukuthi, ukubonelela ngamathuba otyalo-mali kwi-cap-in-cap, i-mid-cap, i-cap-cap, kunye ne-multi-cap yotyalo-mali lwexesha elide kunye nembuyekezo ephezulu okanye utyalo-mali kwiimali ezilinganayo, iimali zegolide, iimali zamazwe ngamazwe, njl.
- Ukurhweba ngokukhawuleza kwi-akhawunti kunye nokubekwa kweodolo yempompo enye
- Umsebenzisi-friendly interface kunye noyilo olucocekileyo
- Akukho kungena okwahlukileyo kutyalo-mali oluhlangeneyo
- Ivumela abasebenzisi ukuba baphonononge iinketho zediphozithi ezisisigxina kwaye bazithelekise neebhanki ezahlukeneyo.
Okubi:
- Ukungafumaneki kotyalo-mali lwe-IPO
- Ukunqongophala kweentlobo ze-odolo eziphambili ezifana ne-odolo yesibiyeli, i-odolo ye-cover yemarike, ii-odolo zasemva kwemarike, njl.
- Ukunqongophala kwescanner kunye ne-backtesting
Ndi thabathe
Emva kokuphonononga ukukhula, ndingatsho ukuba ukuba ungumqali kwiimarike zemasheya, kunye nokutyalomali, ngoko kufuneka uzame ngokuqinisekileyo. Ngojongano olunzulu lomsebenzisi, iapp ikuvumela ukuba wenze utyalo-mali ngaphandle komthungo.
Nangona kunjalo, ukuba ungumrhwebi onamava othanda ukudlala ngeetshathi zexabiso, ngoko ukwimeko yokuphoxeka okuncinci njengoko i-app inezixhobo ezincinci kunye neempawu.
Lilonke, Ukukhula liqonga elilula nelilula kakhulu lokusebenzisa abaqalayo ukutyala imali kunye nokurhweba. Abantu abafuna nje ukutyala imali kwii-SIP, okanye izitokhwe ngamaxesha athile, baya kuyithanda le app ngenxa yokulula kwayo.
Ukuba unemibuzo malunga nokuKhula, nceda undazise kwizimvo.
Shiya iMpendulo