Utyalo-mali olunempembelelo alukhange lube yintetho yeyure kuphela kodwa nemfuno yeyure.
Ngokukhula kweenkxalabo zokusingqongileyo, kubalulekile ukuba abantu baqale ukuthatha onke amanyathelo amakhulu namancinci afunekayo ukuze bazuze, ngandlela thile.
Enye indlela enjalo abatyali-mali kunye nabarhwebi abaye bayithatha yimpembelelo yotyalo-mali, leyo, njengoko igama libonisa, utyalo-mali ekwenzeni impembelelo.
Utyalo-mali olunempembelelo ngoku lukhona kwihlabathi liphela kodwa lubonakala kakhulu naseIndiya.
Bayanda abantu abazama ukutyala imali kwiimveliso ezinegalelo elihle kwimozulu kunye nokusingqongileyo, kwaye alikho ixesha elingcono lokuthetha ngayo yonke loo nto!
Yintoni utyalo-mali olunempembelelo?
Utyalo-mali olunempembelelo yindlela apho abatyali-mali benza utyalo-mali kwiinkampani, iimali, kunye nemibutho enegalelo elincomekayo kokusingqongileyo kwaye ivelise inzuzo yezentlalo ngandlela thile okanye enye, kunye nembuyekezo yabo yezemali rhoqo.
Abatyali-zimali abachaphazelekileyo baxhasa iinkampani kwimali encinci, iimoto zombane, ezolimo ezizinzileyo, imithombo yamandla ahlaziyekayo, izinto ezithatha indawo yeplastiki, kunye namanye amanyathelo athatyathwe ukuze kuxhamle intlalo yethu kunye nokusingqongileyo.
Ungakhetha njani ukuba yeyiphi impembelelo yengxowa mali oza kutyala kuyo?
Kukho iikhrayitheriya ezine eziphambili ezisekelwe apho unokwenza khona isigqibo sokwenza utyalo-mali kwishishini elinempembelelo.
Inkqubo ye-UBP IMAP iphuhlise imigaqo. Ungafaka amanqaku kwikhrayitheriya nganye kwi-5 kwaye iyonke ukuze ufumane amanqaku aphezulu angama-20.
- IINJONGO okanye iNjongo
- Lo mgaqo ubandakanya izicwangciso zenkampani ezichaziweyo.
- Ibandakanya inxalenye yenkampani ye-capex/R&D ulwabiwo kwisisombululo esithile malunga nale ngxaki.
- IZINTO EZINGAKUMBI okanye ukuthanda izinto eziphathekayo
- Inayiphi ipesenti yeengeniso ezipheleleyo zenkampani ezivela kwiindawo ezivelisa impembelelo efanelekileyo.
- Kukwabandakanya ukuba kukho nayiphi na enye imigca yezoshishino ephikisanayo kwindawo efanayo yomsebenzi.
- ADITIONALITY okanye Ukongeza
- Ibandakanya ukuba inkampani iyinkokeli yehlabathi kwintsimi.
- Ikwathetha malunga nokuba kukho nakuphi na okukhethekileyo kwitekhnoloji, indlela, kunye nokubonelela ngesisombululo kwicala lenkampani.
- AMANDLA okanye Amandla
- Ibandakanya amandla okwenene esisombululo esicetywayo ngenkonzo / imveliso ukuba ibe nefuthe elibonakalayo kwihlabathi.
- Ithetha malunga nokuba esi sicombululo singumdlalo-wokutshintsha umhlaba okanye hayi.
Iinkxalabo ezikhokelela kwimpembelelo embi kwinkcubeko yokutyala imali eIndiya
I-Indiya lilizwe lenkcubeko, izithethe, kunye nemilinganiselo etyebileyo nje kuphela, kodwa into etyebileyo kuyo ngabemi bayo, ungcoliseko, imekobume ephantsi, kunye nantoni na. Ungcoliseko lomoya, ulawulo olubi lwenkunkuma, kunye nokunqongophala kwamanzi zezinye zezona zinto zibalulekileyo zokusingqongileyo eIndiya, kunye nokuthotywa komhlaba, ukuthotywa komgangatho wamahlathi, kwaye uluhlu alupheli.
Kwakungenxa yesi sizathu engqondweni, ukulondoloza okusingqongileyo kwelizwe, umoya esiwuphefumlayo, amanzi esiwasebenzisayo, kunye nokugcinwa kwamahlathi okusizisa okungaphezulu kunommandla nje, ukuba utyalo-mali olunempembelelo luye lwangena ngokunzulu eIndiya. Nasi isizathu sokuba utyalo-mali olunempembelelo ngoku luthathelwa ingqalelo eIndiya -
- Zonke iinkampani zaseIndiya ngoku zivavanywa ngamandla ngokusekwe kwimiba yazo yokusingqongileyo, yezentlalo, kunye nolawulo (ESG) ukufumanisa ukukhula kwazo kanye negalelo kuqoqosho.
- Imiba efana nokutshintsha kwemozulu kunye nokungalingani kwezentlalo zixhaphakile eIndiya, kwaye ukwazisa utshintsho lwangempela, utyalo-mali olunempembelelo lubonakala luyinyathelo lodwa elinengqiqo.
- Abatyali-zimali ngoku bayayazi ukuba yeyiphi impembelelo yokusingqongileyo, yezentlalo, kunye nolawulo lwenkampani kuqoqosho, kwaye ngokusekwe kuloo nto kuphela abatyali-mali batyala imali yabo.
- Iimali zozinzo bezikhula ngakumbi kunangaphambili, ngokungena malunga ne-186 yeebhiliyoni zeedola kwi-Q2021 ka-1.
- Ukuba sihamba ngokwezibalo, iinkampani ezinokwamkelwa kwe-ESG ziqhube ngcono phantse kuzo zonke iinkampani ze-S&P 500.
- Zonke iinkampani ezineenjongo ze-ESG zithembeke ngakumbi malunga nemivuzo yexesha elizayo.
- Utyalo-mali oluzinzileyo lwehlabathi luza kulawula utyalo-mali lwemveli kwixesha elizayo elingekude.
- Kukho uxanduva oluthe kratya oluvela kwicala lenkampani malunga nentlalo-ntle yokusingqongileyo kunye nolawulo.
- Lo bhubhani ukhokelele kukwahluka okubalulekileyo kwezentlalo noqoqosho apho abatyali-mali kunye neenkampani zifuna ukucutha.
- Iimpembelelo ezingezizo ezemali ngoku zithathwa njengezilingana, ukuba azikho ngasentla, impembelelo yezemali inkampani enayo kuqoqosho.
- Ngaphezulu kwe-80% yabatyali-zimali abathengisa eIndiya bagxile ekutshintsheni kwabo kutyalo-mali oluzinzileyo.
- I-Nifty 100 ESG iqhube ngcono kune-Nifty 50 kunye ne-Nifty 100 kulo nyaka uphelileyo, isakha ukuzithemba ngakumbi kutyalo-mali lwe-ESG.
- Amashishini oluntu kunye neenkampani ezinaso naziphi na iinjongo zentlalo zikhethwayo kuneembono zoshishino eziqhelekileyo.
- Amanyathelo oluntu axhaswa ngemali eninzi ukukhuthaza iIndiya engcono.
- Ngaphezulu kwe-2.5 yeebhiliyoni zeedola inyuswe ngezivumelwano zokulingana ngo-2020 kumashishini anefuthe, ilandelwa yi-1.2 yeebhiliyoni zeedola efunyenwe kwisiqingatha sokuqala sika-2021.
- Isikali kunye nokubakho kwembuyekezo ezinzileyo eIndiya kuyenza ibe yindawo entle yokuqala utyalo-mali olunempembelelo, njengoko ibonelela ngamathuba amaninzi oluntu ngenxa yobuninzi bayo kunye neengxaki ezinxulumene nazo.
- Ukuseka i-social stock exchange kukwakho kwiingxoxo, eziye zafumana ukuzithemba kwabantu kwiimali ezizinzileyo.
Iinzuzo zotyalo-mali olunempembelelo eIndiya
- Inceda ekuvaleni umsantsa phakathi kweenjongo zezemali nezentlalo zomtyali-zimali.
- Inceda abatyali-mali baphile ngokweenqobo zabo ngokufaka igalelo kwiinoveli izizathu.
- Ikwanceda abatyali-mali bancede iinkampani ezineenjongo ezintle zokufaka isandla kwiinkalo zentlalo nezokusingqongileyo zenkampani.
- Ibonelela ngokukhula okuphezulu, amandla okwenza inzuzo, kunye noxanduva lwentlalo ngotyalo-mali olunye.
- Ijolisa kwi-horizon yexesha elide ukusuka kwimbono yenkampani kunye nomtyali-mali.
- Abatyali-zimali abalungelelanisiweyo kunye neNjongo yoPhuhliso oluZinzileyo yeZizwe eziManyeneyo ezili-17.
- Inika abatyali-mali isiseko esikhulu sengeniso kuba ilandela amandla emarike.
- Inika umtyali-mali ithuba lokuqala lokuhamba kuba iyinto entsha esendleleni eya phezulu.
- Inceda ukusombulula kungekuphela nje imiba yelizwe kodwa yehlabathi ekhankanywe kwiinjongo ze-SDG ze-UN.
- Ivula iingcango kubatyali-zimali ukuba babe ngabaxhasi bamazwe ngamazwe ngokufaka isandla kwisisombululo sengxaki kwaye babe ngabaphumeleleyo kwikamva.
- Inceda ukuzinzisa kunye nokwahluka kweepotfoliyo.
- Unceda ekuhlangabezaneni noxanduva lomntu ngamnye kunye nombutho wentlalontle.
- Ivumela abatyali-mali ukuba baqhagamshelane neengcinga ezinkulu ezineminqweno emikhulu ngaphaya kokwaneliseka kwemali.
- I-Indiya, njengelizwe labantu, inemiba emininzi engasonjululwanga enokusonjululwa ngotyalo-mali olunempembelelo.
- Utyalo-mali olunempembelelo lukhona ukuphilisa ihlabathi, kwaye ukuba kukho nantoni na, le yinto sonke ekufuneka siqale ukusebenza kuyo - namhlanje!
Iingxaki zotyalo-mali eIndiya
- Kungumngcipheko omncinci ukuqala ukutyalomali kwiimali zentlalo ngenxa yobutsha bengcamango.
- Isiseko sotyalo-mali kwimpembelelo yotyalo-mali sisene-niche kakhulu, kunye neengxowa-mali zotyalo-mali ezimbalwa kuphela ezikwaziyo ukufikelela kwiziphumo eziphezulu kunye nokunyuka.
- Kusenzima ukukholisa abatyali-zimali babucala ukuba baqale ukubeka imali yabo kwiingxowa-mali ezinefuthe, okwenza ishishini lotyalo-mali libe liphupha elikude.
- Ukuba lutyalo-mali lwembuyekezo ephezulu, ikwangumngcipheko omkhulu.
- Kuba iimpembelelo ziyohluka kwiinkalo zonke, kunzima ukufikelela kwimilinganiselo efanayo.
- Iimpembelelo kunzima ukuthelekisa, ukulinganisa kunye nokulinganisa.
- Iimpembelelo zotyalo-mali eIndiya ngonyaka ka-2020-2021.
- Unyaka wobhubhane, ka-2020, ubone amashishini anefuthe lokhathalelo lwempilo etsala izigidi ezingama-20 zeedola zaseMelika kwiintengiso ezingama-29 ezahlukeneyo.
- Amashishini anempembelelo kutyalo-mali lwetekhnoloji kwinqanaba lembewu atsala olona hlumo lukhulu, uninzi lwabatyali-mali lunomdla kukhathalelo lwempilo lobuchwephesha, itekhnoloji, indlela yokuphila, kunye nobuchwepheshe basekwe kwezolimo kumashishini asekuqaleni.
- Amashishini anefuthe kwimfundo afumene i-660 yezigidi zeedola ngonyaka ka-2020-2021.
- Amashishini anempembelelo kwezolimo atsale i-$440 yezigidi kwiintengiso ezingama-52 kwi-FY 2020-2021, ehlala kwindawo yesithathu ephezulu kulo lonke utyalo-mali.
Imizekelo yotyalo-mali olunempembelelo eIndiya
- IQela le-Aavishkaar, ligxile kuphuhliso ngokurhweba ngokujolise ekuphuhliseni inkqubo yendalo yempembelelo kumazwekazi afana neAsia neAfrika.
- Acumen, egxile ekwandiseni ingeniso yamafama amancinci.
- Elevar Equity, ejolise ekuthandeni kwexesha lokwenyani kunye nokudalwa kwexabiso kubathengi kunye notyalo-mali olufanelekileyo koosomashishini.
- I-Unitus Ventures, yenza utyalo-mali lwenqanaba lembewu kunye neziqalo ezisebenzela abantu abafumana imivuzo ephantsi.
- INethiwekhi ye-Omidyar, inceda ekudaleni iimveliso zemali ezifikelelekayo neziguquguqukayo kumafama amancinci nangaselunxwemeni kunye namaIndiya aqhelekileyo kunye namashishini.
Izimvo zokunyusa ifuthe lotyalo-mali eIndiya
- Ukusebenzisa i-telemedicine edibanisa oogqirha basezidolophini kunye nezigulane zasemaphandleni ukuvala umsantsa phakathi kobuchule obufunekayo kwinkalo yezonyango kunye nokufumaneka kwayo kwiindawo ezinzima ukufikelela kuzo. Iifemu ezikhoyo endle: Karma Healthcare, Practo, Apollo, kunye nokunye.
- Ukusebenzisa itekhnoloji eluhlaza kunye nokuyibeka kusetyenziso olunemveliso kakhulu ngokunyusa amandla ahlaziyekayo kukhokelela kutyalo-mali lwamandla ohlaza. Iifemu ezikhoyo endle: Itekhnoloji ye-S4S, iResham Sutra, kunye nokunye.
- Ukusebenza ekudityanisweni kwezimali kwabantu abasesichengeni nabasemaphandleni kusetyenziswa iMicro-financing NGOs, kugxilwe kumatyala kunye neemfuno zemali zabantu basemaphandleni. Iifemu ezikhoyo endle: Shram Sarathi, Grameen Model Bank, kunye nokunye.
- Ukusebenzela, ukukhuthaza, kunye notyalo-mali kwiifemu ezinempembelelo ezichaphazela ngqo imeko yobhubhane elizweni ukuza kuthi ga ngoku, nokuba kukukhathalelo lwempilo, ukutya, kunye nesiselo, indlela yokuphila, okanye nakweliphi na elinye icandelo.
isiphelo
Utyalo-mali olunempembelelo ngokuqinisekileyo luthabath’ unyawo ngoku, kwaye ukuba lwenziwe ngendlela elungileyo, luza kubona ukuphakama okukhulu kwixesha elizayo.
Ngokuqinisekileyo sisidingo seyure esithathela ingqalelo umgangatho wokuphela kokusingqongileyo kunye nefuthe kuphela kumashishini asebenza ngokuzinikela ukwenza utshintsho kwihlabathi anokutshintsha umdlalo wendlela esiphila ngayo kunye noko sikufumanayo.
Utyalo-mali olunempembelelo yimpembelelo yokwenyani!
Ungathanda kwakhona ukufunda isikhokelo sethu 7 Ingcebiso yoTyalo-mali oluBalulekileyo kwabaQalayo kwaye Top 5 Investment Apps In India kwabaqalayo
Ndazise ukuba unayo nayiphi na imibuzo kwizimvo ezingezantsi.
Shiya iMpendulo