Ngaba ujonge indlela engenamthungo yokutyala imali kwiiBonds zeGolide eziKhulu?
Iibhondi zeGolide eziPhakamileyo (Ii-SGBs) sisikimu sikaRhulumente waseIndiya ukwenza lula utyalo-mali kwigolide.
I-SGB yenza ukuba umntu atyale imali kwifomathi yegolide yedijithali ngaphandle kokuthenga igolide ebonakalayo. Lutyalo-mali lokhuseleko apho iibhondi zixhaswa ngurhulumente, ngoko ke kukho ithuba eliphantsi kakhulu lokungagqibekanga.
Ukutyala imali kwii-SGB kufana nje nokuthenga igolide ebonakalayo.
Oku kuthetha ukuba ide ivuthwe ibhondi yakho, uyakuhlala ufumana i-2.5% yemali eyintloko minyaka le. Ixabiso leebhondi zakho liya kuxhomekeka kwixabiso lemarike yegolide ngexesha lokukhululwa kwakho.
Izibonelelo ezimbalwa zotyalo-mali kwii-SGB zezi:
- Sisikim esixhaswa ngurhulumente apho ufumana i-2.5% yenzala yonyaka ngexabiso lotyalo-mali.
- Imali yenzala ifakwa ngqo kwiakhawunti yakho yebhanki njenge isabelo mali.
- Ungazikhulula iibhondi emva kweminyaka emi-5. Ixesha lokuvuthwa kwee-SGB yiminyaka esi-8.
- Isixa sentlawulo sifakwa ngokuzenzekelayo kwiakhawunti yakho yebhanki.
- Ixabiso lebhondi zakho alizinzanga. Ilingana nexabiso legolide kwimarike.
- Kuyafana nokuthenga igolide ebonakalayo. Ungayithengisa ngohlobo loluhlu lweDemat kubatyali-mali abafanelekileyo.
I-Zerodha ivumela bonke abasebenzisi bayo ukuba bathenge iiBond zeGolide eziPhakamileyo ngaphandle kwemirhumo eyongezelelweyo kunye nokusebenzisa iakhawunti yabo yeKite efanayo.
Ukutyala imali kwi-SGB ngeZerodha kulula kakhulu kwaye kuyakhawuleza kuneebhanki kunye nee-ofisi zeposi.
Kwesi sikhokelo, ndiza kukubonisa ukuba ungathenga njani kwaye utyale imali kwi-Sovereign Gold Bond Scheme usebenzisa iZerodha. Inyathelo nenyathelo.
Masiqalise!
Inyathelo 1: Fumana imihla yokukhutshwa kothotho lwamva nje lweSGB
Ii-SGB azifumaneki ukuba zithengwe unyaka wonke.
Urhulumente waseIndiya ukhupha ezi bhondi kuthotho ezine ukuya kwezintandathu. Iinketho zotyalo-mali ziqala ngoMeyi ziphele kwiveki yokuqala kaSeptemba.
Ukufumana umhla wokukhutshwa kwawo wonke unyaka, tyelela Iphepha leshedyuli ezayo ye-ICIC yebhanki ye-SGB apha.
Kweli phepha, phantsi koluhlu oluthi “Umhla wobhaliso” uya kufumana ixesha apho imiba yeSGB ivulelekile ukuba abatyali-mali bathenge. Phantsi koluhlu oluthi “Umhla wokukhutshwa,” uya kufumana umhla apho iiyunithi zeSGB ozithengileyo ziya kufakwa kwiakhawunti yakho.
Uya kuba nakho ukutyala imali kwi-SGB ngeli xesha likhethekileyo. Ngoko ke qiniseka ukuba uceba kwangaphambili ukuba ingakanani igolide ongathanda ukuyithenga kwisiqwenga esithile.
Ngokuqhelekileyo, ixesha leskimu limalunga neentsuku ezi-5.
Unokukhetha ukuthenga iSGB ngayo nayiphi na kwezi ntsuku zi-5.
Nje ukuba ukhethe usuku, inyathelo elilandelayo kukubeka umyalelo wokuthenga.
Ukufaka iodolo yokuthenga yeSGB, ndwendwela iphepha leBond yeGolide likaZerodha. Cofa kwi-investment ngoku iqhosha ukuya kwi-Coin ngephepha leZerodha.
Kungenjalo, unokuphinda ungene kwiNgqekembe yakho ngeZerodha dashboard kwaye ucofe kwii-ETF kunye nee-SGB. Eli phepha likuvumela ukuba utyale imali kwii-ETF zeGolide kunye neskim seGolide ePhakamileyo. Sukuba nexhala, wonke umsebenzisi oneakhawunti yeZerodha unokufikelela kusetyenziso lwakhe lweCoin.
Cofa apha ukuze ungene kwideshibhodi yakho yeCoin app. Eli khonkco lizakukusa ngqo kwiphepha le-SGB xa ungene ngempumelelo.
Kwiphepha leNgqekembe, uya kubona ukhetho lotyalo-mali lweGolide ePhakamileyo lukhoyo. Ukuba undwendwela eli phepha nangaliphi na ixesha ngaphandle kwe SBG yemihla enikezela ngeskimu, awuyi kulufumana olu khetho.
Phantsi kwecandelo elithi “Sovereign Gold Bond”, gcwalisa ubungakanani obufunekayo be-SGB ongathanda ukuyithenga.
Kwesi sifundo, ndithenga i-3 grams exabisa i-Sovereign Gold Bond. Ungawubona umhla wokuvalwa konikezelo kweli phepha ngokunjalo. Qinisekisa ukuba unebhalansi eyaneleyo kwiakhawunti yakho yeZerodha equity de unikezelo luvalwe.
Unokufaka kuphela ubuninzi bokutyalomali kwiigram. Ayikuvumeli ukuba utyale imali ethile njengoko umlinganiselo wegolide ngegram yeSGB umiselwa ngurhulumente waseIndiya.
Emva kokuba ufake ubuninzi, cofa kwiqhosha le-odolo yendawo.
I-popup yokuqinisekisa iya kuvela ukuze uqinisekise iinkcukacha zotyalo-mali. Funda umyalezo wokuqinisekisa, ngononophelo, qinisekisa iiyunithi zokuthenga kwaye ucofe kwiqhosha le-odolo yendawo kwakhona.
Iodolo yakho ifakwe ngempumelelo.
Ubume boodolo buyakuba njalo utshintsho olulindileyo xa iodolo ifakiwe.
Ukuba ufuna ukwenza naluphi na uhlelelo kubungakanani beodolo yakho, nantsi indlela ongayenza ngayo:
Yiya kwiNgqekembe yakho ngedeshibhodi yeZerodha kwaye ucofe kwi-ETF kunye ne-SGB kwimenyu yeakhawunti yakho.
Iphepha elifanayo apho ubeke iodolo liza kuvula.
Nqakraza kwi Ipensela icon ukuhlela iodolo yakho yeSGB. Ukuba unqwenela ukurhoxisa iodolo yakho, cofa apha umgqomo icon.
Iiyunithi zeSGB ziya kwabelwa i-akhawunti yakho yeZerodha Demat zingadlulanga iintsuku eziyi-10-15 zomsebenzi emva kokuvalwa kwethuba lokukhutshwa.
Nantsi indlela eya kujongeka ngayo xa sele ifakiwe kwiakhawunti yakho yeDemat:
Ukutyala imali kwi-SGB lukhetho olufanelekileyo. Ngaphezulu kokufumana ixabiso elixatyisiweyo leGolide kwixesha elizayo, ukwahlawulwa inzala eyi-2.5% ngonyaka. Ayibi ngcono kunoko kumtyali-mali olondolozayo.
Ndiyathemba ukuba le tutorial yeZerodha SGB ikuncedile.
Ukuba unayo nayiphi na imibuzo, phawula kuyo ngezantsi.
Shiya iMpendulo