Ukwenza izigqibo zobulumko zotyalo-mali ezinokuba nempembelelo enkulu kwikamva lakho lezemali kufuna ukuba ukhethe iqonga elifanelekileyo lotyalo-mali. Iqonga elilungileyo liya kukunika iindlela ezahlukeneyo zotyalo-mali, izixhobo ezilula, kunye neengcebiso zobuchwephesha zokukunceda ufikelele kwiinjongo zakho zotyalo-mali.
Ngelixa, i-app engenakukwazi ukukhokelela kumathuba alahlekileyo kunye neendleko eziphezulu eziya kulimaza ipotifoliyo yakho kakhulu.
Ukuze sikuncede wenze ukhetho olufundileyo, siya kuthelekisa amabini amaqonga otyalo-mali athandwa kakhulu eIndiya, iKuvera, kunye noKhula, kwesi sithuba.
Uya kukwazi ngcono ukukhetha iqonga lotyalo-mali elihlangabezana neemfuno zakho kunye neenjongo ukuba uvavanya iimpawu, iindleko, kunye nenkonzo yabathengi enikwa liqonga ngalinye.
I. Intshayelelo
Kuvera
Kuvera yi-robo-advisory platform esekelwe kwi-2016 nguGaurav Rastogi kunye noNeelabh Sanyal, eqhutywa yi-Arevuk Advisory Services Pvt. Ltd. eBangalore, eIndiya.
Iqonga libonelela ngocwangciso lobuqu lwezemali kunye neenkonzo zotyalo-mali ukwenza idemokhrasi ukufikelela kwiingcebiso eziphezulu zezemali kusetyenziswa itekhnoloji. I-Kuvera ixhaswa yi-Eight Roads Ventures, ifem yotyalo-mali yehlabathi exhase iinkampani ezininzi ezivelisa izinto ezintsha, ezikhula kakhulu.
Iqonga libonelela ngeengcebiso zotyalo-mali ezenzelwe wena ngokusekwe kwiprofayili yomngcipheko womsebenzisi kunye neenjongo zotyalo-mali, kubandakanywa iingxowa-mali ezifanayo, izitokhwe, kunye negolide yedijithali. Ukongeza, uKuvera usebenzisane naye IVested Finance ukwenza abasebenzisi bayo batyale imali kwii-stocks zase-US kunye nee-ETF.
Ugxininiso lwayo kwitekhnoloji, amaxabiso afikelelekayo, kunye namava omsebenzisi ayenze yathandwa phakathi kwabatyali-zimali baseIndiya abafuna imali yobuqu eyenziwe lula kunye nohambo lotyalo-mali.
khula
I-Groww yindawo yotyalo-mali eyasungulwa ngo-2017 nguLalit Keshre, uHarsh Jain, u-Ishan Bansal, kunye noNeeraj Singh. Iqonga lineofisi yalo ephambili e-Bangalore, e-Karnataka, kwaye ibonelela ngenani lokukhetha utyalo-mali, njengemali ethe ngqo kunye kunye ne-stockbroking.
I-Groww iqale njengeqonga lokusasaza ingxowa-mali ethe ngqo ngo-2017 kwaye yakhawuleza yafumana ukuthandwa, yaba yenye yezona ndawo zidumileyo zotyalo-mali lwe-mutual fund elizweni kwisithuba sonyaka.
Kwangaloo nyaka, yasungula igolide yedijithali, ii-ETF, ukurhweba nge-intraday, kunye nee-IPO, ezibonelela ngoluhlu olubanzi lweenketho zotyalo-mali kubasebenzisi bayo. Namhlanje, i-Groww inabathengi abangaphezu kwezigidi ezingama-40 kunye nokulinganisa okumangalisayo kwe-4.5.
Abatyali-mali abanjengoSequoia, iRibbit Capital, kunye ne-CEO yeMicrosoft uSatya Nadella bayayixhasa, bebonisa inkolelo yabo enkulu kumandla ayo okwandisa ixesha elizayo.
II. Iimbonakalo
Kuvera
(i)Izixhobo zezeMali neeKhaltyhuleyitha
Ukunceda abathengi ngocwangciso lwabo lwezemali kunye nezigqibo zotyalo-mali, i-Kuvera ibonelela ngezixhobo ezahlukeneyo zemali kunye nezixhobo zokubala. Ikhaltyhuleyitha ye-SIP, isibali-manani sokubala, i-FD calculator, i-PPF yesibali, kunye nezinye ezininzi ezidumileyo zezibali-manani ezimbalwa nje zeminikelo kaKuvera.
Abasebenzisi bezi khalityhuleyitha banokuqikelela imbuyekezo yabo yotyalo-mali, baqonde indlela ukunyuka kwamaxabiso okuchaphazela ngayo utyalo-mali lwabo, baze bacwangcise iinjongo zabo zemali ngokufanelekileyo. Ezi khalityhuleyitha zenza abasebenzisi bafikelele lula kwiinjongo zabo zemali kwaye benze izigqibo zotyalo-mali ezifundileyo.
(ii)UTyalo-mali lwe-US
Ngentsebenziswano yayo Valiwe, I-Kuvera inikezela abathengi bayo ithuba lokutyala imali kwiinkampani zase-US. Ngeemfuno zotyalo-mali ezisezantsi ze-10 yeedola kuphela, le nkonzo yenza ukuba abathengi bonwabele ukuvezwa ngaphandle kwekhomishini kwimarike yezabelo zamashishini e-US.
Umsebenzi wotyalo-mali lwesitokhwe saseMelika kwi Kuvera inikeza abathengi ukhetho olubanzi lweendlela zotyalo-mali, kunye nokufikelela kwiinkampani ezingaphezu kwe-1000 kunye nee-ETF. Abasebenzisi banokugqiba i-KYC ngokukhawuleza kwaye ngokulula kuba ukuseta kunye neenkqubo zokugqitywa kuthatha imizuzu emihlanu.
Abasebenzisi banokutshintsha ngokukhawuleza iipotfoliyo zabo zotyalo-mali kwaye basebenzise amathuba abonelelwe yi Imarike yemasheya yaseMelika ngoncedo lwale nkonzo.
(iii)Umiselo lweNjongo
Impumelelo yemali ixhomekeke ekubeni nenjongo ethile yotyalo-mali lwakho kunye nokonga.
Ungachaza iinjongo zakho zemali kwaye wenze isicwangciso sotyalo-mali esisodwa usebenzisa umsebenzi kaKuvera othi “Seta Injongo Yakho”. U-Kuvera uya kukubuza imibuzo emininzi ukwenza isicwangciso esisebenzela imeko yakho ethile, nokuba ulondolozela umhlala-phantsi, imfundo yomntwana, okanye intlawulo ephantsi yekhaya.
Gqiba imali ekufuneka uyigcine, ubude botyalo-mali, kunye nokunyamezela kwakho umngcipheko usebenzisa isixhobo esithi "Seta Injongo Yakho". Isicwangciso sakho sotyalo-mali siya kulungiswa nguKuvera ngokusekelwe kwiimpendulo zakho kunye neenjongo zakho, umthamo wotyalo-mali, kunye ne-horizon yotyalo-mali.
Ngoncedo lwesi sixhobo, unokutyala imali ngokuzithemba usazi ukuba utyalo-mali lwakho luhambelana neenjongo zakho.
(iv)Iakhawunti edityanelweyo
Abatyali-zimali banokulawula ngokungenamgudu iiakhawunti zabo zotyalo-mali zamalungu osapho lwabo kwindawo enye kunye nomsebenzi weAkhawunti eHlangeneyo yeKuvera. Kwenza kube lula ukuququzelela nokulawula ubutyebi bosapho ngokunika impatho elinganayo kwiimali phantsi kwelogo efanayo.
Esi sixhobo senza kube lula ukulandelela nokulawula iipotfoliyo zotyalo-mali ezahlukeneyo, oko kusenza ukuba kube luncedo ngakumbi kwiintsapho ezifuna ukulawula iimali zazo ngokudibeneyo. Abatyali-zimali banokuvelela umkhondo kwaye babeke iliso kwi-akhawunti yabo ye-Kuvera kwaye baqinisekise ukuba bayahambelana neenjongo zabo zemali zosapho.
Lo msebenzi ubonisa ukuzinikela kukaKuvera ekuboneleleni abathengi ngeendlela zotyalo-mali ezisezantsi nezisebenzayo.
(v)Smart Gcina Uphawu
Umsebenzi we-Smart Gcina we-Kuvera wenzelwe abasebenzisi abathanda utyalo-mali olunomngcipheko ophantsi kunye nokufikelela kwemali ngokulula. Lo msebenzi unikezela ngokhetho lotyalo-mali lolwelo ukuhlawula iindleko ezingalindelekanga. Lukhetho oluthe ngqo kwaye olukhawulezayo olunokuthi urhoxe ukuya kuthi ga kwi-2 lakhs okanye i-90% yempahla yakho ngemizuzu engama-30.
Olu tyalo-mali lolwelo yeyona ndlela ingcono kunee-akhawunti zogcino eziqhelekileyo njengoko zithe zazisa imbuyekezo ehloniphekileyo yonyaka eqikelelwa kwi-5% kwisithuba seminyaka emithathu edlulileyo. Ke ngoko, iSmart Save lelona nqaku lifanelekileyo kuwe ukuba ufuna utyalo-mali olunomngcipheko ophantsi obonelela ngemali elula kunye nembuyekezo ehloniphekileyo.
Ukukhula
(i)UBulungisa kunye noTyalo-mali kwiNgxowa-mali eDityanisiweyo
Kubatyali-zimali baseIndiya, i-Groww yiapp eyaziwayo yotyalo-mali ebonelela ngeendlela ezahlukeneyo zezabelo zamashishini ezingenanzala emisiweyo kunye nezinye iindlela zengxowa-mali. Ngenxa yoyilo olusebenziseka lula kunye noluhlu olubanzi lweendlela zotyalo-mali, yenye yezona nkqubo zisetyenziswa kakhulu kutyalo-mali lwe-SIP.
I-app ibonelela ngokufikelela ngokulula kwizixhobo ezininzi ze-equity, kubandakanya ikamva, ukhetho, kunye norhwebo lwe-intraday. Ukongeza, i-Groww ibonelela ngokhetho olubanzi lweengxowa-mali ezihlangeneyo, kubandakanya ukugcinwa kwerhafu kunye neengxowa-mali ezinkulu, kunye neengxowa-mali ezahlukeneyo.
Ukuze kuthintelwe abatyali-mali ukuba bangaphoswa ngezavenge zabo, isoftware ikwathumela imiyalezo rhoqo kunye nezikhumbuzo. I-Groww izimise njengeyona ndlela yokuya kutyalo-mali kubatyali-mali abaninzi eIndiya ngenxa yobume bayo obusebenziseka lula kunye namathuba otyalo-mali ahlukeneyo.
(ii)Ukulingana kwe-US
Abatyali mali baseIndiya baya bethanda ukutyalomali kwizabelo zamashishini aseMelika. I-Groww iyazi lo mkhwa kwaye ibonelela ngokufikelela kwi-equities yase-US, kubandakanywa iimpawu eziyaziwayo njengeenkampani ze-FAANG kunye nezalathisi ezifana ne-S & P 500, kubathengi bayo.
Nangona abanye abatyali-mali banokujonga utyalo-mali kwii-equities zase-US njengexabiso, i-Groww ibonelela ngotyalo-mali lwesabelo esincinci, esivumela abasebenzisi ukuba bathenge iqhekeza lesabelo ngaphandle kokuhlawula isabelo sonke.
Ukongeza, utyalo-mali lwesabelo esiluqilima alunamali eyongezelelweyo yokurhweba, nto leyo eyenza ukuba ibe yindlela efanelekileyo yokuba abatyali-zimali baseIndiya bafikelele kwiimarike zezabelo zaseMelika. Abasebenzisi banokuthi ngaphandle kokuzama ukuguqula iipotfoliyo zabo kwaye bafumane ukufikelela kwiimarike zehlabathi nge-Groww.
(iii)Iikhaltyhuleyitha
Nokuba awuyoncutshe kwezemali, wonke umntu unokusebenzisa kwaye afikelele kwiikhaltyhuleyitha zemali ezibonelelwe ngabakwaGroww.
Ezi khalityhuleyitha zibonelela ngomfanekiso ochanekileyo nopheleleyo wepotfoliyo yakho yezemali kwaye zikuncede wenze ukhetho lobulumko. Ungalandelela iinjongo zakho zemali, ulawule utyalo-mali lwakho ngendlela esebenzayo, kwaye uhlale uphezu kwemali yakho usebenzisa izixhobo zokubala zemali ze-Groww.
Ezi khalityhuleyitha zikwakuvumela ukuba uphonononge iziphumo zeemeko ezahlukeneyo zotyalo-mali kwaye uguqule izicwangciso zakho ngokufanelekileyo ukuze ufumane iziphumo ozifunayo.
(iv)IiNkcazo zeMali zoMntu
Abo batsha kutyalo-mali nakwimali yobuqu banokuzuza kakhulu kwiglosari yobuqu yezemali ka-Grow. Kwenza kube lula ukuzulazula kwihlabathi lezemali ngokunika abathengi iinkcazo zamagama emali ekunzima ukuwaqonda.
Abasebenzisi abasebenzisa le nkonzo banokusiqonda ngcono isigama sezemali kwaye benze ukhetho lotyalo-mali olufunde kakhulu.
I-lexicon ye-Groww nayo isoloko ihlaziywa ukuze ibonise uphuhliso lwakutsha nje kushishino lwezemali. Isichazi-magama sezemali sikaGroww sinokuba sisixhobo esiluncedo kuwe nokuba ungumfundi oqalayo okanye ungumtyali-mali onamava.
(v)ii-IPO
Iqumrhu lenza imali ngonikezelo lukawonke-wonke lokuqala, okanye i-IPO, apho izabelo zalo zenziwa zifumaneke kuluntu ngokubanzi. I-Groww yenza ukuba abatyali-mali bathathe inxaxheba kwii-IPO zamashishini asakhulayo kunye nesampulu yamandla abo ophuhliso.
Inika abatyali-mali iqonga lokufaka izicelo zezabelo kwiminikelo yokuqala kawonke-wonke kwaye ikwasasaza ulwazi ngee-IPO ezizayo. Abatyali-mali banokukhawuleza kwaye ngokulula bafake izicelo zee-IPO kwi-intanethi kwaye babeke iliso kutyalo-mali lwabo ngexesha lokwenyani nge-Groww.
Ngoncedo lweli nqaku, abatyali-zimali banethuba lokuxhasa ngemali amashishini amatsha nathembisayo ngokufumana inzuzo kamva kulwandiso lwabo.
III. Iintlawulo kunye neeNtlawulo
Kuvera
Ngaphandle komlinganiselo weendleko obekwe yingxowa-mali ethile, iKuvera liqonga lasimahla elibonelela ngamava otyalo-mali amangalisayo ngaphandle komrhumo ongaphezulu okanye we-AMC. Akukho mirhumo yekhomishini kuba isiza sibonelela kuphela ngezicwangciso ezithe ngqo.
Iimpawu zeli nqaku ziyafumaneka ukuze uphonononge simahla. Utyalo-mali kwizitokhwe zase-US, uKuvera usebenzisane neVested.
Intlawulo ye-Vested i-$399 yeendleko zokuseta i-akhawunti yexesha elinye ukuvula i-akhawunti yotyalo-mali yase-US. Nangona kunjalo, ukuthenga okanye ukuthengisa izitokhwe okanye ii-ETF kwi-Vested simahla.
khula
I-Groww ibiza kuphela i-Rs. I-20 okanye i-0.05% yexabiso lentengiselwano lilonke, nokuba yeyiphi na encinci, ngokwendlela ethe ngqo kwaye ecacileyo yentlawulo yexabiso. Abatyali-mali kufuneka, nangona kunjalo, bahlawule imali eyongezelelweyo yokuthengiselana, yolawulo, kunye ne-Demat ngaphezulu kwe-brokerage.
I-Groww inikezela ngekhaltyhuleyitha eluncedo ebonisa imirhumo abathengi besitokhwe abaya kuba noxanduva lokuyihlawula, kubandakanya i-STT, iifizi zokutshintshiselana ngotshintshiselwano, iifizi ze-SEBI, i-GST, kunye nomsebenzi weSitampu. Kubatyali-mali, ukuqala i-akhawunti nge-Groww kulula kuba akukho cwangciso okanye iifizi eziqhubekayo.
IV. Uxhaso lwabathengi
Kuvera
Ungaqhagamshelana neqela loncedo likaKuvera ngeendlela ezininzi njengoko benenkxaso ebalaseleyo kubathengi. I-AI-powered chatbot kwisiza inokukunceda ngeentlobo ngeentlobo zemibuzo eqhelekileyo kunye neengxaki.
Ungangenisa itikiti kwisiza okanye uthumele i-imeyile kuyo [imeyile ikhuselwe] ukuba umbuzo wakho unzima kakhulu. Batsalele umnxeba kule nombolo 08618076010 ukuba ungathanda ukuthetha nomntu ngokuthe ngqo.
I-Kuvera iqinisekisa ukuba abathengi bayo bafumana inkonzo ekhawulezayo nethembekileyo yabathengi ngokubonelela ngeendlela ezahlukeneyo zokukhetha.
khula
Ukunceda abasebenzisi ngayo nayiphi na imibuzo okanye iingxaki, i-Groww ibonelela ngeendlela ezahlukeneyo zokhetho lwenkonzo yabathengi. Abasebenzisi banokunyusa amatikiti kwizifundo ezahlukeneyo ngokuya kwindawo yenkxaso ye-app. Ukongeza, Khulisa unokuqhagamshelwa ngefowuni ku +91-9108800604 okanye nge-imeyile. [imeyile ikhuselwe].
Abasebenzisi bafumana inkonzo ekhawulezayo kubasebenzi abanamava nabaluncedo. I-Groww ibonelela ngeendlela ezahlukeneyo zoncedo lwabathengi ukuze kuqinisekiswe inkqubo yotyalo-mali elula nengenangxaki.
V. IiPros and Cons
Kuvera
Iimpawu zeKuvera:
- Iqonga lolawulo lwemali yasimahla
- Ukuchazwa kwepotfoliyo ekulula ukuyiqonda ngeegrafu kunye neetshathi
- Inketho yokutyala imali kwigolide yedijithali
- Ukuxhaswa kwabathengi
Iingxaki zeKuvera:
- I-interface inokukhohlisa kwabanye abasebenzisi
- Inkqubo ye-KYC ende
- Uphawu lothelekiso lwengxowa-mali ehlangeneyo alusebenzi kakuhle
khula
IiPros of Grow:
- I-Zero intlawulo yokuvula nokugcina i-akhawunti
- Ibonelela ngamathuba otyalo-mali e-IPO
- Inkqubo yokuvula iakhawunti engenamaphepha
- UI esebenziseka lula
Iingxaki zokuKhula:
- Akukho lawulo lwemali okanye uphawu lokulandelela
- Izixhobo zokurhweba ezilinganiselwe ezikhoyo, ezifana nokungabikho kwempahla kunye norhwebo lwemali
- Hayi kakuhle iqonga lokurhweba njengoko ingenazo iimpawu eziphambili njenge-GTT, AMO, njl.
- Akukho zinkonzo zengcebiso okwangoku
- Inkxaso yefowuni ayikho phezulu kuphawu
VI. Ukuqukumbela
Zombini i-Groww ne-Kuvera ngamaqonga agqwesileyo anokwamkela iimfuno ezahlukeneyo zotyalo-mali. Ngokufana nokukhetha phakathi kwetshokolethi kunye ne-vanilla ice cream, eyona nto ilungileyo nokuba yeyiphi na indlela, isigqibo ekugqibeleni sibilisa kukhetho lomntu.
Ukukhula yindlela omawuhambe ngayo ukuba ungumntu oqalayo ukukhangela isixhobo sotyalo-mali esisebenziseka lula. Nangona kunjalo, Kuvera inokuba lukhetho olungcono ukuba ungumtyali-mali onamava okhangela iqonga lolawulo lwemali yonke kunye nenkonzo yomthengi ephezulu.
Kodwa kunokuba ukhethe ibe nye, kutheni ungabajongi bobabini?
Ubuhle botyalo-mali kukuba akukho nalinye, isicwangciso esisebenzayo jikelele. Ngoko ke qhubeka uzame izinto ezintsha; soze wazi, ungafumana uhlobo olutsha kraca lotyalo-mali obungalwazi nokuba lukhona!
Shiya iMpendulo