Bambalwa kakhulu abatyali-mali abajonga ngaphaya kutyalo-mali kwizitokhwe zaseIndiya, nasemva kokwazi izibonelelo ezipheleleyo zokwahluka.
Ixesha lobhubhani labona ukuguquguquka kwiimarike zesitokhwe kwihlabathi liphela. Ezinye iimarike ziye zachacha ngokukhawuleza; nangona kunjalo, abanye basachacha.
I-stock market yase-US yenye yeemarike eziye zachacha ngokukhawuleza kwaye zafikelela ukuphakama okutsha.
Likhaya lenye yezona nkampani ziphezulu zehlabathi, zizenza zezona zitokhwe zibalaseleyo. Ezi zitokhwe ziquka i-Facebook, i-Apple, i-Amazon, i-Netflix, iMicrosoft, i-Tesla Google, ukubiza ezimbalwa.
Ukuthenga ezi zitokhwe ikuvumela ukuba usebenzise inzuzo yabo kwaye ube yinxalenye yamabali abo okukhula. Ikwakunceda ukuba uguqule ipotifoliyo yesitokhwe sakho ngaphaya kwemarike yesitokhwe yaseIndiya.
Ngapha koko, ungatyala imali kwimarike yesitokhwe saseMelika ngokuhlala eIndiya. Inkqubo iye yaba lula njengoko urhulumente waseIndiya engenazithintelo ezingqongqo ezifanayo.
Nazi ezinye izizathu ezimbalwa zokuba kutheni kufuneka ucinge ngokutyala imali kwimarike yemasheya yaseMelika -
- IBhanki enguVimba yaseIndiya ivumela abemi baseIndiya ukuba batyale ukuya kuthi ga kwi-2,50,000 yeedola (malunga ne-2 crore rupees) minyaka le. Ke, njengomtyali-mali, une-bandwidth elungileyo yokutyala imali kwiimarike zesitokhwe zase-US.
- Ukuba sibuyela kwimbali, iimakethi zesitokhwe zaseMelika aziguquguquki kangako kunentengiso yaseIndiya. Yingakho ukutyalomali kwi-stock market yase-US kuya kuqinisekisa inzuzo eninzi xa kuthelekiswa nelahleko.
- Uninzi lwee-mega-global corporations zinekomkhulu labo e-US. Oku kuya kukunceda ukuba ungahlukanisi ipotifoliyo yakho kuphela kodwa uyiphucule kakhulu ngokutyala imali kwizigebenga ezinkulu ezaziwayo.
- Imakethi yesitokhwe yase-US icace gca kwimarike yesitokhwe yaseIndiya kumashumi eminyaka adlulileyo.
- Sonke siyazi ukuba i-US ngokuqinisekileyo inamandla amakhulu. Ukuba liziko lokuyila kwehlabathi kunye nophuculo lobuchwephesha, unokufumana ithuba lokutyala imali kwinkampani ezayo kwaye izayo njengoko iseka. Kwixesha elizayo, awukwazi, banokuba yi-Facebook elandelayo okanye i-Apple!
Ungatyala njani kwi-stocks yase-US evela eIndiya?
Ungatyala imali kwimarike yemasheya yaseMelika ngezi ndlela zimbini-
- Utyalo-mali ngokuthe ngqo kwizitokhwe.
- Ngokungathanga ngqo utyalo-mali kwii-stocks nge-mutual funds okanye Iimali zotshintshiselwano.
Ukuba yinxalenye yotyalo-mali oluthe ngqo
Unokutyala imali kwii-stocks zase-US ngokuthe ngqo. Oku kwenzeka ngokuvula i-akhawunti yorhwebo lwaphesheya kunye nomthengisi wasekhaya okanye wangaphandle. Ukukhetha umthengisi wasekhaya okanye wangaphandle kuxhomekeke kuwe ngokupheleleyo kwaye kuxhomekeke koko kukufaneleyo.
Inyathelo loku-1 (a): Vula iakhawunti yorhwebo lwaphesheya kunye nomthengisi wasekhaya:
Uninzi lwabarhwebi basekhaya eIndiya banobudlelwane nabarhwebi bezabelo e-US. Abarhwebi basekhaya basebenza kuphela njengabalamleli kwaye benze urhwebo lwakho.
Izindlu ezimbalwa kuphela ze-brokerage zaseIndiya zinezi zibophelelo, ezifana ne-ICICI Direct, i-Kotak Securities, i-India Infoline, i-Reliance Money, kunye ne-Religare. Unokuvula lula le akhawunti yorhwebo ngokungenisa amaxwebhu abalulekileyo. La maxwebhu abandakanya ifom yokuvula i-akhawunti ezaliswe ngokufanelekileyo, kunye namaxwebhu akho e-KYC.
Amaxwebhu e-KYC kufuneka abe nekhadi lakho le-PAN kunye nobungqina bokuhlala (isazisi somvoti okanye isitatimenti sebhanki samva nje). Nje ukuba kwenziwe oku, ukuvulwa kweakhawunti yakho kuyenzeka.
Kufuneka udlulisele ezinye iimali ngaphantsi kweedola ezingama-2,50,000. Nje ukuba uthumele imali, ungaqala ukutyala imali kwizitokhwe zangaphandle.
Nangona kunjalo, kufuneka ukhumbule ukuba iindleko zotyalo-mali zingaba phezulu ngenxa yeentlawulo eziphezulu ze-brokerage kunye namazinga okuguqulwa, ngoko kubalulekile ukuba wazi zonke iindleko ezibandakanyekayo ngaphambi kokuvula i-akhawunti, izinga lokuguqulwa okuqhubekayo, kunye neengcamango ezifanayo. .
Inyathelo lesi-2 (b): Ukuvula iakhawunti yokurhweba phesheya kunye nomthengisi wangaphandle:
Ukuba awufuni ukuba nomthetheli owenza urhwebo lwakho, unokuvula ngokuthe ngqo iakhawunti yorhwebo yaphesheya kunye nomthengisi wangaphandle.
Nangona kunjalo, lo mthengisi wangaphandle kufuneka abekho eIndiya. Ezinye zezi zindlu zokuthengisa nguCharles Schwab, Ameritrade, Abarhwebi abasebenzelayo, njl Wakuba ugqibe kwi i-brokerage firm ofuna ukuvula i-akhawunti ngayo, qinisekisa ukuba uyaziqonda zonke iindleko zabo kunye nesakhiwo sentlawulo, esichaphazela iindleko zakho zotyalo-mali.
Inkqubo eyongezelelekileyo ihlala ifana naleyo ichaziweyo kwinkqubo yokuvula i-akhawunti nomthengisi wasekhaya.
Ukutyala imali ngokungathanga ngqo
Unokukhetha kwakhona ukuthatha indawo engathanga ngqo kwi-stock market yase-US ngokungatyali imali kuyo ngokuthe ngqo. Nantsi indlela-
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Iimali ezifanayo:
Le yenye yeendlela ezilula zokuba yinxalenye yepotfoliyo yangaphandle ngaphandle kokutyala imali ngokuthe ngqo kuso nasiphi na isitokhwe esinye sangaphandle. Oku akufuni ukuvula i-akhawunti yokurhweba phesheya okanye ukugcina idiphozithi encinci ukuqala ukutyalomali.
Kukho iingxowa-mali ezininzi ezihlangeneyo eIndiya ezityala imali kwizitokhwe zase-US kunye/okanye iingxowa-mali zazo zizonke. Utyalo-mali kwizinto ezinjalo ngxowa-mali ikunceda ukuba ubalekele ingxaki yokukhetha isitokhwe esifanelekileyo kutyalo-mali.
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Iimali ezithengiswe ngokutshintshiselana (ETFs):
Unokuba ngumhlobo we-stocks yase-US ngokusebenzisa iimali ezithengiswayo.
Kukho iindlela ezingathanga ngqo kunye nezithe ngqo ukuze utyale imali ngazo ETFs. Ungathenga ngokuthe ngqo i-ETF yase-US ngokusebenzisa umthengisi wasekhaya okanye wangaphandle. Into onokuyenza kukuthenga ii-ETF zaseIndiya zezalathiso zamazwe ngamazwe, ufumane izibonelelo ezifanayo.
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Usetyenziso lweminyaka emitsha:
Ukutyala imali usebenzisa i-apps yeminyaka emitsha ibe yinto ethandwa kakhulu namhlanje. Bayanda abantu abazama izandla zabo kuyo, ngenxa yeenzuzo kunye nokulula kokuyenza.
Kuba ukuvela kweeapps eziphathwayo kuvela kwiindidi ezahlukeneyo zeenkonzo, abaqalo abaninzi baphehlelele ezabo ii -apps. Ezi apps zinceda abatyali-zimali baseIndiya batyale imali kwimakethi yase-US ngendlela engenangxaki nekhuselekileyo.
Valiwe sesinye sezona zixhobo zibalaseleyo zefowuni ezikuvumela ukuba utyale imali kwizitokhwe zase-US ezivela eIndiya. Ayithathi nayiphi na ikhomishini evela kumtyalo-mali kwaye ayifuni nayiphi na idiphozithi encinci, nokuba. Yindlela ekhuselekileyo yokutyala imali kwiinkampani ezaziwayo ezifana neApple, iAmazon, njl., ngamaxabiso afikelelekayo.
KwiVested, unokwenza iakhawunti kwimizuzu kwaye urhoxise inzuzo yakho nangaliphi na ixesha ngotyalo-mali oluqhekekileyo.
yindlela esemthethweni njengoko iVested ilandela izikhokelo ze-RBI Liberalized Remittance Scheme.
Utyalomali njani kwizitokhwe zase-US ngeVested
I-Vested inikezela ngotyalo-mali oluthe ngqo kwizitokhwe kunye nee-ETF kunye notyalo-mali ngeepotfoliyo ezigcinwe, ezibizwa ngokuba lutyalo-mali olungathanga ngqo.
Abatyali-mali bavula i-akhawunti ngenkqubo ebonakalayo engenamncono omncinci kunye nokutyalomali okungenakho ikhomishini. Nangona kunjalo, ezinye iifizi ziyasebenza, ezinje ngemali yokuvula iakhawunti, umrhumo wokurhoxisa, umrhumo wangaphambili, njl.
Konke okufuneka unikeze ngokuvula i-akhawunti yinombolo yekhadi lakho le-PAN kunye nekopi kunye nobungqina bedilesi.
Unokutyala imali ngokuthe ngqo ngokuvula i-akhawunti ye-brokerage yase-US. Ukuququzelela oku, iVested ibonelela ngeqonga elizinikeleyo apho abatyali-zimali baseIndiya banokuthenga ngokulula kwaye ngokuthe ngqo izitokhwe kunye nee-ETF kwimarike yemasheya yaseMelika.
Le ndlela ithoba iindleko zizonke kumtyali-mali kuba akukho zikomishini zibandakanyekayo. Nangona kunjalo, kuya kufuneka ufake imali kwi-US. I-Liberalization Remittance Scheme (LRS) ivumela oku, kunye nomda ophezulu wonyaka ufikelele kwi-250,000 yeedola ngomntu ngamnye, njengoko kumiselwe ngabasemagunyeni baseIndiya.
Funda uphononongo lwethu olupheleleyo lweVested apha.
Ezi ziindlela ezithe ngqo nezingathanga ngqo zendlela onokutyala ngayo ngokusisiseko kwizitokhwe zase-US ezivela eIndiya. Nangona kunjalo, kukho izinto ezithile ekufuneka uzikhumbule ngelixa uzilungiselela ukutyala imali kwezi zitokhwe zangaphandle -
- Vula kuphela iakhawunti yokurhweba phesheya ukuba unexesha kunye nobuchule bokuhlalutya imakethi yase-US, imibutho, kunye neendaba. Kuya kufuneka ukwazi ukuhlalutya uqoqosho lwase-US ngokunzulu kwaye waziswe malunga nemicimbi eqhubekayo apho ukwenza izigqibo ezinolwazi.
- Wazi umahluko wexesha kuba unokufuna ukufikelela kwimakethi yase-US njengoko ivula kwaye ivala. Umahluko we-tie phakathi kwe-Indiya kunye ne-US yi-10 kunye neeyure ezinesiqingatha. Oku kunokubangela ukuphazamiseka kweshedyuli, ngoko ke khetha kuphela ukutyala imali kwiimarike zase-US ukuba kwaye kuphela ukuba ukulungele ukwenza utshintsho olufunekayo kwindlela yakho.
- Utyalo-mali lwamazwe ngamazwe lubandakanya iindleko eziphezulu xa kuthelekiswa notyalo-mali lwasekhaya. Oku kungundoqo ngenxa yamazinga oguqulo. Qinisekisa ukuba unolwazi malunga neentlawulo ze-akhawunti, iifizi ze-brokerage, kunye notshintsho lwemali yokuguqulwa, nayo. Kunyanzelekile ukuba uziqonde zonke ezi zityholo ngendlela eneenkcukacha.
- Utyalo-mali, xa kuthelekiswa nokurhweba, luneendleko eziphezulu kakhulu e-US. Oku kungenxa yokuba ukurhweba kubandakanya iintlawulo eziphezulu, ezinokuthi ziphelise inzuzo encinci eyenziwa ngabahwebi. Utyalo-mali lwexesha elide, nangona kunjalo, likuvumela ukuba ufumane imbuyekezo efanelekileyo emva kweentlawulo kunye neentlawulo, nazo.
- Qinisekisa ukuba ufunda ngokucokisekileyo iirhafu ezisebenzayo ngokwemithetho yaseMelika neyamaIndiya. Qinisekisa ukuba konke ukuthotyelwa kususwa, kwaye akukho mthetho waphulwa.
- Sukuba nemincili kakhulu kwaye usoloko uqala kancinci. Kuyakuthatha ixesha ukuba uqonde iimarike zase-US kwaye udlale kunye njengomntu oqalayo. Imarike yoqoqosho ngalunye yahlukile, yiyo loo nto kufuneka uqale ngokurhweba/utyale imali encinci endaweni yokutsibela epokothweni ezele yimali. Nje ukuba ufumane ukuma kwemarike yase-US, unganyusa kancinci imali yakho yotyalo-mali.
I-EndNote:
Umzuzu othatha isigqibo sokuya ngaphaya kwemida yaseIndiya kwaye uzivumele ukuba utyale imali kwiimarike zangaphandle, uzazisa kwizinto ongazange ucinge ukuba zinokwenzeka.
Kukho enye into eyongezelelekileyo yokwahlukahlukana kunye nophuculo oluphezulu lwepotfoliyo, ukukhula, kunye nokufunda. Lonke ulwazi luyafumaneka kwi-intanethi, kwaye iindaba, ngokusebenzisa i-intanethi, kukucofa nje kude.
Njengomtyalomali, oku kukunceda ukuba uhlalutye isitokhwe phesheya ngokulula kwaye waziswe malunga nezigqibo zolawulo eziqhubekayo ezenziwa ziinkampani.
Nangona kunjalo, lonke uhlobo lotyalo-mali lunesabelo salo esilungileyo sezinto ezilungileyo kunye nezingalunganga. Njengomtyali-mali, kufuneka wenze isigqibo esinengqiqo ngokuqwalasela yonke imiba ngaphambi kokwandisa utyalo-mali lwakho.
Shiya iMpendulo