Kukho iitoni ze apps zotyalo-mali eIndiya. Nantsi enye, ebizwa ngokuba yiMoneyJar.
Kwezi veki zimbalwa zidlulileyo, bendivavanya i-app ye-MoneyJar – “iJargon Free “iqonga lotyalo-mali lwengxowa-mali yabaqalayo.
Nalu uphononongo olupheleleyo lweMoneyJar ukukunceda wenze isigqibo sokuba kufuneka uqale ukutyala imali usebenzisa eli qonga okanye hayi.
Yintoni i ImaliJar?
UMoneyJar uncediswa ngxowa-mali iqonga lotyalo-mali. Iyahluka kumaqonga afana khula, Coin kwaye EMoney ngeendlela ezimbini:
- Iyancediswa – ufumana uncedo kutyalo-mali lwakho kwaye kukho iipotfoliyo zengxowa-mali ezigcinwe yiMoneyJar ngokusekelwe kwizinto ezininzi ezibandakanya umngcipheko, icandelo kunye nokungabi namali.
- I-MoneyJar isebenza njengomcebisi – Akunyanzelekanga ukuba uyibeke iliso kwingxowa-mali yakho rhoqo ukuba awufuni – iMoneyJa iya kulungelelanisa ipotifoliyo yakho ukwenzela wena (oku kusebenza kuphela xa ugunyazisa)
Ngelixa i-MoneyJar ikunceda ngesicwangciso sakho sotyalo-mali, iseliqonga lotyalo-mali lengxowa-mali yotyalo-mali engahlawulelwayo. Akunyanzelekanga ukuba uhlawule naziphi na iindleko ngeenkonzo zabo.
Umsebenzi wabo ophambili kuku ” yenza inkqubo yezemali ekulula ukuyisebenzisa kwaye inomvuzo kuye wonke umntu.”
Yasekwa nguRohan Agarwal kunye noShrenik Patel emva kwi2017 (Iqonga labo lokwenyani liye laphila ngo-2018 nangona kunjalo).
Ukususela ngoko baphucule kakhulu. Iqonga labo lewebhu liye lavakala ngakumbi kwaye ukungqubana kweSignup-to-investment kunciphise kakhulu.
Makhe sithethe ngeMoneyJar's Iingqayi zoTyalo-mali -Imveliso yabo ephambili. Emva koko siza kuxoxa ukuba kufuneka uqalise ukutyala imali ngeMoneyJar.
Utyalo-mali “Iingqayi” nguMoneyJar
Izimbi yingqokelela yeengxowa-mali ezininzi ezigcinwe kwisixhobo esinye sotyalo-mali ziingcali ze-MoneyJar. Kukho iiJar ezininzi ezisekwe kwimixholo eyahlukeneyo efana nale:
- IJar ekhuselekileyo
- Akukho Stress jar
- IJar yeAdventurous
- Ingqayi yoMgcini weRhafu
- Umqali we-SIP Jar
kunye nokuninzi.
Iingqayi zihlelwe ngokweendidi ezithile ezifana ne-Essential, Thematic, Advanced kunye ne-MoneyJar picks. Ingqayi nganye ineengxowa-mali ezininzi zokwahluka kwee-asethi.
Iingcaphephe ze-MoneyJar zikhetha iimali ezifanayo kuzo zonke iiJar. Awukwazi ukutshintsha imali ngokwakho.
Ngekota nganye iimali kwiJar nganye zivavanywa ngokutsha kwaye zilungelelaniswe kwakhona xa kubonwa kuyimfuneko. Iinkonzo ezinjengokuhlengahlengisa phakathi kweemali zidla ngokuhlawuliswa ziifemu, amaqonga kunye nabaphathi.
Ngenxa yokuba iMoneyJar ayihlawulisi ngayo nayiphi na inkonzo yabo, oku kuhle.
Unokukhetha ngaphezulu kweeJari enye kwaye uqalise ii-SIP okanye utyala imali ngexesha elinye. Ukwazi ngakumbi malunga nenjongo yeJar, imali engaphakathi kuyo, uqikelelo lokukhula kwenkunzi kunye nokunye, kufuneka ucofe ikhonkco loLwazi oluninzi.
I-popup iya kuvela, ngolu hlobo:
I-Jar i-popup yolwazi iqulethe idatha ebalulekileyo malunga nokusebenza kwangaphambili kweemali ngaphakathi, kwaye kutheni iingcali ze-MoneyJar ziyincoma.
Ungaqala njani ukutyala imali ngeMoneyJar?
Ukwenza utyalo-mali ngeMoneyJar, nanga amanyathelo ambalwa ekufuneka uwalandele.
Inyathelo 1: Ukundwendwela MoneyJar.in kwaye wenze i-akhawunti.
Inyathelo 2: Gqibezela i-KYC yakho. Emva koko ucofe ku Yenza iJar.
Inyathelo 3: Nje ukuba uyivumile, ulungele ukukhetha iJar. Khetha iJar ocinga ukuba ingafanelana novavanyo lwakho lomngcipheko. Umzekelo, ukuba ungumsebenzi ohlawulwayo, awunaxesha okanye unqwenela ukufunda imarike, kwaye unqwenela nje ukukhulisa inxalenye yemali yakho, ukhetha ingxowa-mali yokukhula okanye ingxowa-mali ye-Index.
Inyathelo lesi-4: Faka imali onqwenela ukuyityala. Khetha amaxesha otyalo-mali, ukuba ufuna ukuqala i-SIP, khetha inyanga nenyanga. Okanye, khetha kube kanye. Ngaphandle kokuba utyalomali kwingxowa-mali ye-ELSS ukuze ugcine irhafu, ayenzi ngqiqo ukutyalomali ngexesha elinye kwiimali ezihlangeneyo.
Inyathelo 5: Jonga igrafu yokubonisa.
Unokubona ukuba utyalo-mali lwakho luya kukhula njani kuyo yonke iminyaka. Qonda ukuba olu lwazi alukho uphawu oluhle kakhulu lwentsebenzo yengxowa-mali. Skrolela ezantsi kwigrafu yoqikelelo kwaye unokubona iimali ezihlangeneyo otyala kuzo.
Inyathelo lesi-6: Nanini na xa ulungele ukuqala i-SIP yakho, cofa iqhosha elithi Tshala phezulu.
Uya kuqaphela i-popup yokuqinisekisa, ikwazisa malunga nomhla wokutsalwa kwesixa se-SIP kunye neminye imimiselo nemiqathango ebalulekileyo.
MoneyJar Investment Strategy
IMoneyJar isebenzisa iTheory yePotfoliyo yeModern njengenxalenye yesicwangciso sayo sotyalo-mali. Esi sicwangciso sisetyenziselwa ukwenza ezi Jars kuwe, kunye nemali yakho.
Ithiyori yePotfoliyo yanamhlanje igxininisa imigaqo emithathu engundoqo yotyalo-mali:
- ukohlulwa
- Umngcipheko wokubuyisela uvavanyo
- Ukuba ngumtyali-mali onengqiqo
Ingcinga esemva kwale ithiyori kukunciphisa umngcipheko kunye nokwandisa imbuyekezo. Eli lixesha elivuyisayo kubatyali-mali abatsha. Indlela engcono yokuyichaza iya kuba: Umngcipheko othathiweyo = Ubuyisela.
I-MPT ikunceda wandise imbuyekezo ngokucebisa ukwahluka, ukuphinda utyale iinzuzo kunye nokuthatha izigqibo ezinengqondo ngaphandle kweemvakalelo ezinyanzelekileyo. Ekugqibeleni, imbuyekezo inokungasibetheli isitokhwe se-MEME, kodwa yindlela eqinileyo yokwakha ubutyebi kwaye amathuba okuba uphulukane nenxalenye ebalulekileyo yemali yakho asezantsi kakhulu.
Kuthetha ntoni oku kuwe njengoMtyali-mali?
Kuba iMoneyJar ilungisa isicwangciso sayo sotyalo-mali ngokusekelwe kwi-MPT, kufuneka ukwazi ukwenza ingeniso engaguqukiyo ngaphandle kokuvezwa kakhulu kwicandelo elinye. Ke kuya kufuneka ukwazi ukufumana isiphithiphithi sentengiso ngequbuliso kunye neengozi zemixholo.
Awuyi kutyala imali kwizixhobo zotyalo-mali ezinobungozi kwaye awuyi kuba nexhala malunga nokuphulukana nenkunzi yakho. Ekubeni utyalomali kwiimali ezihlangeneyo ezirhweba ngokuthe ngqo kwi-equity, kuhlala kukho umngcipheko wokulahlekelwa yimali. Nangona kunjalo, kunqabile kakhulu ukuba i-fund ye-mutual fund ihamba ngokungagqibekanga kubatyalo-mali bayo.
Nangona kunjalo, ukuba utyala imali kwiingxowa-mali ezingalunganga ezingadibanisi ngokwaneleyo, thatha umngcipheko ngokungeyomfuneko kwaye ubandakanyeke kwizinto ezinomthunzi zangaphakathi, unokuphulukana nesixa esikhulu.
Umzekelo omhle uya kuba Ingxaki yeDHFL kunye nefuthe layo kwiimali ezihlangeneyo zamatyala. Gcina ukhumbula, iimali zeTyala zithathwa njengezikhuselekileyo kuneemali zezabelo.
Fumana imali-mboleko ye-Ovadrafti ngokuchasene neeNgxowa-mali zakho ezidityanisiweyo
Unako kwakhona ukuboleka imali kutyalo-mali lwakho usebenzisa iMoneyjar. Akunyanzelekanga ukuba utyale imali usebenzisa i-MoneyJar ukuze ufumane imali-mboleko, kodwa uya kufuna umxhasi ofanayo olawulwa yi-CAMS kunye neakhawunti yebhanki ye-HDFC.
Imali-mboleko kwiingxowa-mali ezihlangeneyo yimali-mboleko ye-ovadrafti, uhlobo olufumana kwii-FDs. Umda we-equity kwimali-mboleko ye-ovadrafti kwiingxowa-mali ezihlangeneyo yi-50% kunye ne-70% kwiimali zetyala.
Wakuba uvunyiwe umda we-ovadrafti, unokuyithatha le mboleko njengetyala. Akunyanzelekanga ukuba uhlawule inzala kumlinganiselo we-overdraft iyonke. Inzala isebenza kuphela kwimali oyitsalayo kwi-overdraft epheleleyo.
Uluvo lwam
Kutyelelo lwam lokuqala kwiwebhusayithi yeMoneyJar, eli candelo lindenze ndacinga ukuba liza kubonelela ngezimvo zotyalo-mali oluncedisayo. Okanye ubuncinci, luqonde uvavanyo lwam lomngcipheko kwaye ucebise izicwangciso ezifanelekileyo ezisekelwe kwiimfuno "ZAM".
Eli candelo lingasentla lithi Phendula imibuzo embalwa elula. Ngokusekwe kule nto usixelela yona, siza kubona olona tyalo-mali lungcono onokuthi ulwenze.”
Nangona kunjalo, ngeli xesha ubhalisa kwaye uqale ukukhangela kwideshibhodi, awuboni luhlu lwemibuzo. Akukho nto inokukunceda uqonde umngcipheko wakho wokutya. Oku kuthetha ukuba akukho ngcebiso kuwe.
Qaphela ukuba abatsho ngokucacileyo ukuba baya kukucebisa nayiphi na ingxowa-mali ehlangeneyo (okanye isethi yeemali). Unokukhetha kwiiJar ezininzi ezikhoyo - kodwa kufuneka uyazi into oyifunayo - ukukhula okuzinzileyo, okuphakathi okanye okundlongondlongo.
Kodwa umyalezo "Ngokusekwe kule nto usixelela yona, siza kubona olona tyalo-mali lungcono onokuthi ulwenze.” iyalahlekisa noko. Beauce ungabaxelela nantoni na ekubeni bengabuzi.
Umzekelo, ukuba ubhalisela Valiwe okanye i-INDMoney, ufumana i-questionnaire eneenkcukacha ezinceda la maqonga aqonde uvavanyo lwakho lomngcipheko. Unqwenela ukuba ndlongo-ndlongo okanye ulondoloze utyalo-mali lwakho. Emva koko banikezela ngeepotfoliyo ezigcinwe ngokwahlukeneyo kwiiprofayili ezahlukeneyo zomngcipheko.
INDMoney ineeBhaskithi – ezifanayo nezo zinikezelwa yiMoneyJar. Wenza usukelo kwi-INDMoney app kwaye kuxhomekeke kuhlobo lwenjongo yakho, isixa esipheleleyo, umvuzo wakho, ixesha lokufikelela usukelo olunikwayo ngebhaskithi ethile yeeNgxowa-mali. Kwaye ke unokuxela kwangaphambili ukuba uza kukhawuleza kangakanani ukufikelela usukelo lwakho, ukuba kuya kubakho ukusilela, ingakanani irhafu, umlinganiselo weendleko ekufuneka uhlawule nokunye. Kuphezu kwamava angcono kakhulu ukuba uzimisele ukuchitha ixesha elithile ufunda.
Ukuba ungumntu ofuna nje ukuqala ukutyala imali kwiMutual Funds kwaye unciphise umngcipheko wokuphulukana nemali ngokukhetha iimali ezingalunganga, iMoneyJar liqonga eligqibeleleyo.
Okanye mhlawumbi ukuba unosukelo lwexesha elifutshane engqondweni.
Ilula. Leyo yeyona nzuzo inkulu yeMoneyJar.
Ubhalisa, linda imizuzu embalwa ukuze iakhawunti yakho ivunywe kwaye ulungele ukukhetha kumashumi eeJar ezahlukeneyo. IJar nganye izinikele ekufezekiseni injongo kwaye ukhululekile ukukhetha nayiphi na.
Ngokucofa okumbalwa, ii-SIP zakho ziyaqaliswa. Kuba liqonga leengcebiso, unokukhetha ukugunyazisa ukuhlengahlengiswa kwepotifoliyo yakho ukuze ungabi naxhala malunga neemali zakho ezifanayo. Nto leyo ivakala ilungile. Kuba ukuba uza kuchitha ixesha ucinga nangemali oyityala kwi-Mutual Funds, kuya kufuneka uqale ukuqonda imarike yemasheya.
I-MoneyJar indichukumise ngokwenene ngokukhethwa kweeNgxowa-mali eziBambisana kwiiJagi zabo. Naxa ukhetha kwezinye zeeJar ezindlongondlongo (zoKukhula), iimali oyimali yabelwe ukuba ziqine kakhulu, zisemngciphekweni ophantsi kwaye zinezinga eliphantsi lokuguquguquka. Babetha i-INDMoney kulo mba.
Shiya iMpendulo