Kuninzi okutshintshileyo oko ndandigqibele ukubhala ngeVested. Kwelinye, inani lamaIndiya atyala imali kwizitokhwe zangaphandle liphucukile.
Kwaye ngelixa kungekho zibalo zizinzileyo malunga nokuba ipesenti yamaIndiya atyala imali kwi-equity inyuke ukusuka kwi-2% ukuya kwipesenti ephezulu, zombini i-CDSL kunye ne-NSDL zibone ukunyuka kwinani leeakhawunti ezintsha ezivulwe ngo-2020 nango-2021, ngenani lilonke. 14.2 yezigidi zeeakhawunti ezivuliweyo (ukusuka kuMaxesha oQoqosho).
Ngu-2022, kwaye ukunyuka phezulu akubonakali ngathi kuyaphela nanini na kungekudala.
Izitokhwe zase-US kunye neePlatifomu zokuRhweba ze-EFT
Ukunyuka kweeapps zotyalo-mali ibe sesona sizathu siphambili solu hlaselo.
Kwaye hayi kubulungisa besizwe kuphela. Abantu babonakalise umdla kwizabelo zamazwe angaphandle. Ngapha koko, izitokhwe zakwamanye amazwe zinepesenti enenzuzo ngaphezulu kunezitokhwe zasekhaya ngo-2020 nango-2021.
Oku kutsale ulutsha lwaseIndiya ukuba luphonononge imarike yesitokhwe yase-US kwaye lujonge ukubakho kotyalo-mali olunempumelelo apho.
Ii -apps ezimbini ezidumileyo ezisetyenziselwa utyalo-mali kwi-equity yangaphandle yi-Vested kunye ne-INDmoney.
Ungajonga uphononongo oluneenkcukacha lweVested apha.
Uphononongo olunzulu lwe-INDmoney luyafumaneka apha.
Kunokuba luncedo ukufunda uphononongo lweqonga ngalinye ukuba awuzazi iimpawu zabo ezithile.
Inikwe vs INDmoney
I-Vested kunye ne-INDmoney eneneni ziiapps ezimbini ezahlukileyo kakhulu ezinokufana.
Tyena mkhulu kwaye mhlawumbi ekuphela kwenqaku lokuthelekisa phakathi kwala maqonga mabini kukuba zombini iVested kunye ne-INDmoney zibonelela ngotyalo-mali lwesitokhwe sangaphandle.
Siza, ke ngoko, sigxile kwesi sithuba sothelekiso kule nto inye, kwaye sizame ukugqiba malunga nokuba yeyiphi i-app efanelekele iinjongo zakho zotyalo-mali lwangaphandle.
Kubalulekile ukuqaphela apha kukuba ipotfoliyo yakho kunye neemfuno zotyalo-mali zinokwahluka, kwaye ke zisenokwahluka iimfuno zakho zaloo nto uyikhangelayo kwi-app yakho yotyalo-mali.
Ngokusekwe kwiimfuno zakho, unokufumana enye yee-apps-iVested kunye ne-INDmoney iluncedo ngakumbi kunenye.
Ngoku makhe sijonge kwiimpawu zeqonga ngalinye kuqala ukuze sifike kwisigqibo sohlalutyo malunga nokuba yeyiphi i-app elungele utyalo-mali lwesitokhwe sase-US.
Iimpawu zeVested
Akukho Khomishini
I-Vested ayithathi ikhomishini yokutyalomali kwii-stocks zase-US. Olu luphawu oluhle lwabarhwebi abanomsebenzi ongaqhelekanga kunye nabarhwebi abaqhelekileyo. Ukuba ucwangcisa ukutyala imali ixesha elide, le nto akukho khomishini ingqina ukuba inenzuzo entle.
Ukhetho lotyalo mali
IVested inezitokhwe ezingaphezu kwe-1500 zase-US kunye nee-ETF ezifumanekayo kutyalo-mali. Unokufumana kwakhona iiprofayili zotyalo-mali ezigcinwe ngokweVested-special curated ezaziwa ngokuba 'ziVests' nge-$3 ngepotfoliyo nganye. KangangeeVest ezili-9 ziza simahla kunye nesicwangciso sePrimiyamu.
Izabelo eziliqhekeza
Ungathenga iinxalenye okanye amaqhezu esabelo endaweni yokuthenga isabelo esipheleleyo. Eli nqaku lihle kakhulu kubaqalayo kunye nabatyali-mali abancinci abafuna ukuqala ngotyalo-mali oluncinci. Uninzi lwezitokhwe zase-US zibiza.
Ngokomzekelo, iindleko ze-1 isabelo se-Meta (ngaphambili i-Facebook) yi-$ 344 + (ukususela ngoDisemba 31st). Oko kuphantse ukuba yi-Rs. 25,000 ngemali yaseIndiya.
Ngenxa yokuba yi-6.25 yepesenti kuphela yabantu baseIndiya abahlawula irhafu, utyalo-mali lwe-Rs. Kulapho ukuthenga izabelo ze-fractional kuyindlela enhle yokutyala imali kwi-stocks yase-US enenzuzo kunye nokuhlawula kakuhle.
Iakhawunti yokurhweba yase-US eqinisekisiweyo
IVested ibambisene neDriveWealth, ifem yorhwebo eyaziwayo yase-US elawula iiakhawunti ezenziwe ngeVested. Zonke iiakhawunti ezenziwe ngeVested zikhuselwe nge-inshurensi ukuya kuthi ga kwi-500,000 yeedola.
Vests : Iipotfoliyo ezakhelwe kwangaphambili
IVests ziiphothifoliyo ezakhelwe kwangaphambili ezigcinwe nguVested.
Iivesti zahlulwa ngokwemixholo esekelwe kumxholo kunye neenjongo. Isekwe kumxholo kuxa ukhetho lotyalo-mali lukhethwa ngokusekwe kwiinkcukacha kumashishini. Ii-Vests ezisekelwe kwiinjongo zinokusekelwe kwiinjongo zokuhlukana kweepotfoliyo, iinjongo zokunciphisa umngcipheko wokulawula umngcipheko ngelixa utyalo-mali, njalo njalo.
Iintlawulo kunye neentlawulo
Ulwakhiwo lomrhumo weVested lulula kwaye luthe ngqo.
- Iintlawulo zokuvula iakhawunti - Nil. IVested ayihlawulisi nayiphi na imali ngokuvula iakhawunti kunye nabo.
- Akukho mali eseleyo - Akukho mali incinci ifunekayo yokugcina i-akhawunti yakho ye-Vested.
- Azikho umrhumo wokungasebenzi- Ngokungafaniyo nezinye ii-apps ezifuna ukuba usebenze ngexesha elithile (ngokuqhelekileyo ubuncinane umsebenzi omnye kwiinyanga ezili-12). I-Vested ayikohlwayi ngokungenzi nto.
- Umrhumo wediphozithi - Akukho mali yediphozithi ethathwa yiVested. Iintlawulo eziqhelekileyo zebhanki, nangona kunjalo, ziyasebenza.
- Umrhumo wokurhoxa- Kukho i-5 yeedola ezimiselweyo ngomrhumo wokurhoxiswa weVested.
Izicwangciso kunye nexabiso
IVested inesicwangciso esingenasiphelo. Kukwakho nesicwangciso saPremiyamu esixabisa ii-Rs. 2500 ngonyaka. Ngaphantsi kwesicwangciso sePremium, ufumana ukurhoxiswa okukodwa kwasimahla (ngeendleko zokurhola iidola ezili-5)
Iimpawu ze-INDmoney
IKhomishini yeZero yoThenga kwaye uThengise
I-INDmoney ayihlawulisi nayiphi na ikhomishini ekuthengeni nasekuthengiseni izitokhwe zase-US kunye nee-ETF.
Izabelo eziliqhekeza
I-INDmoney ikwabonelela ngokuthenga izabelo zamaqhezu.
Iakhawunti yase-US yasimahla kunye ne-inshurensi yokurhweba
I-INDmoney ibambisene nefem enye yase-US - DriveWealth, esebenzisa ngayo zonke iiakhawunti.
Iakhawunti nganye ikwi-inshurensi ukuya kuthi ga kwi-500,000 yeedola. I-DriveWealth ilawulwa yi-SIPC kunye ne-FINRA, imibutho emibini yezemali eyaziwayo e-US elawulwa yi-SEC.
Ngaphezulu kwayo, i-INDmoney inikezela nge-2 yasimahla kwi-1 yorhwebo yase-US kunye ne-akhawunti ye-Indian Savings kunye ne-State Bank of Mauritius (SBM). I-SBM iyaziwa ngokuthengiselana kwayo ngokukhawuleza kwe-forex.
Iingcebiso kunye nolawulo lweepotfoliyo
I-INDmoney inikezela ngolawulo lwepotfoliyo eyeyakho kunye neengcebiso malunga notyalo-mali olusekwe kumthamo wakho womngcipheko kunye nezinto ozikhethayo kwishishini. Iintlawulo zeempawu zengcebiso ziqala kwi-Rs. 399 ngenyanga.
iintlawulo
- Ukuvula iakhawunti - Akukho zintlawulo
- Ukuthenga i-US Stocks kunye ne-ETFs- Akukho ziNtlawulo
- Ukudluliselwa kwemali nge-akhawunti ye-Super Saver SMB - Akukho zintlawulo
- Ukurhoxiswa ngaphantsi kwe-2,000 yeedola - $5 Ukurhoxiswa ngaphezulu kwe-2,000 yeedola - Akukho zintlawulo
Izicwangciso kunye nexabiso
Kukho izicwangciso zeNtlawulo ezi-4 ezizezezibiyeli ezahlukeneyo zeemali zotyalo-mali.
- Igolide ye-IND: I-Rs. 399 ngenyanga kutyalo mali ukuya kuthi ga kwi-Rs. 50 lakhs.
- IND Igolide+ : Rs. 999 ngenyanga kutyalo mali ukuya kuthi ga kwi-Rs. 1.5 yezigidi.
- IPlatinam ye-IND: I-Rs. 2999 ngenyanga kutyalo mali ukuya kuthi ga kwi-Rs. Izigidi ezi-3.
- IPlatinam ye-IND: I-Rs. 5999 ngenyanga kutyalo mali ukuya kuthi ga kwi-Rs. iicrores ezi-5.
Kukwakho nesicwangciso esiqhelekileyo sotyalo-mali olungaphezulu kwe-Rs. iicrores ezi-5.
Uthelekiso oluneenkcukacha phakathi kweVested kunye ne-INDmoney
Imigaqo noKhuseleko
I-Vested kunye ne-INDmoney ibambisene ne-DriveWealth, iqumrhu lezemali lase-US elilawulwayo. Zombini iiplatifti ke ngoko zikhuselekile kwiinjongo zotyalo-mali.
Zombini iVested kunye ne-INDmoney zilandela izikhokelo ze-Liberalized Remittance Scheme (LRS) yi-RBI. Ngokwemithetho ye-LRS, umtyali-mali waseIndiya angathumela ukuya kuthi ga kwi-250,000 yeedola ngaphandle kwemvume ye-RBI.
ukhuseleko
Kuba i-INDMoney kulawulo lwemali, yokulandelela, kunye ne-app yotyalo-mali, ifuna iimvume ezininzi - ezinye zisemngciphekweni omkhulu njengokufikelela kwiakhawunti yakho ye-Gmail.
I-Vested, nangona kunjalo, ayinayo imfuneko enjalo njengoko igxile kuphela kwi-stock market yase-US.
Ukunika imvume yokufunda ii-imeyile kunokuba yinto encinci kwaye kufuna ukuqwalaselwa ngononophelo.
Ukusetyenziswa koMsebenzi
Kulula ukuvula i-akhawunti kuwo omabini amaqonga. Inkqubo iyafana kuzo zombini, njengoko zombini i-Vested kunye ne-INDmoney zinamahlakani ebhanki ase-US afanayo.
Ujongano lomsebenzisi kunye neempawu zeDashboard
I-UI kunye nedeshibhodi yazo zombini amaqonga kulula ukuyisebenzisa. Nangona kunjalo, ndikhetha
Inikwe malunga namava edeshibhodi.
Iindidi kunye neenketho
IVested inezitokhwe ezingaphezu kwe-1500 zase-US kunye nee-ETF onokukhetha kuzo. I-INDmoney inokhetho oluncinci, kodwa kunjalo, kukho amawaka eenkampani onokukhetha kuzo.
Imirhumo kunye neKhomishini
Ikhomishini yeZero yokuthenga nokuthengisa isebenza kuwo omabini amaqonga. Valiwe inomrhumo wokurhoxiswa kwe-5 yeedola, kanti i-INDmoney inomrhumo wokurhoxa kwi-5 yeedola ezingaphantsi kwe-2,000 yeedola. Ukurhoxiswa ngaphezulu kwe-2,000 yeedola, i-INDmoney ayinayo imali yokurhoxisa.
Izicwangciso eziphambili kunye neempawu zokucebisa
Iimpawu zeVest ezivela kwiVested zilungile kwaye ziyafikeleleka. Ipotifoliyo yotyalo-mali nganye egciniweyo eyaziwa ngokuba yiVest ixabisa i-$3. Ngesicwangciso saPremiyamu esixabisa iRs. 2500 ngonyaka, ufumana ukufikelela kwi-9 Vests.
Izicwangciso zeprimiyamu ye-INDmoney zixabisa kakhulu kuneVested (esona sicwangciso sisezantsi yi-Rs.3600 ngonyaka) kwaye sibonelela ngeempawu zokucebisa ezivela kubacebisi bemali abazimeleyo. Inqaku lengcebiso alinalo uphononongo oluhle.
Abacebisi abazimeleyo abasoloko benobuchule ngokwaneleyo. Kwaye ingabi ngabasebenzi be-INDmoney, abacebisi abazimeleyo abaphenduli njengoko umntu angathanda ukuba njalo.
Freebies
I-INDmoney ibonelela ngesitokhwe sasimahla ekuvuleni iakhawunti kunye nobhaliso oluyimpumelelo lwe-KYC. IVested ayiboneleli ngesimahla.
Iifreebies zinokuvakala zilinga, kwaye yinto entle yokuthengisa evela kwi-INDmoney.
Nangona kunjalo, xa kufikwa kwiiapps zotyalo-mali, kulungile ukubona imiba yentengiso yangaphambili kwaye ujonge ukuba iqonga lizilungele iimfuno zakho ezithile. Enye ingongoma ebalulekileyo ekufuneka iqwalaselwe yimirhumo kunye nesakhiwo sekhomishini.
Amaxwebhu kunye nenkxaso
I-Vested inamaxwebhu amaninzi kunye necandelo le-FAQ elomeleleyo lokuphendula imibuzo yakho yotyalo-mali eqhelekileyo. Iqela lenkxaso eVested nalo lilungile.
Uphawu lwamaxwebhu e-INDmoney lunokuba ngcono. Kwakhona, inkxaso inokuba ngcono kakhulu.
UTyalo-mali oluRecurring
IVested ikuvumela ukuba utyale imali kwizitokhwe zase-US, ii-ETF kunye neeVest zabo ngokuphindaphindiweyo. Oku kuthetha ukuba unokuseta isixa oza kutyala imali nge-Vested ngokuzenzekelayo veki nganye okanye inyanga. Ngendlela efanayo owenza ngayo i-SIP kwiimali ezihlangeneyo okanye kwiidiphozithi eziphindaphindiweyo.
Oku kukuvumela ukuba wenze i-avareji yeendleko zedola ngeVested.
Into INDmoney ayinikezi okwangoku.
Isigqibo: I-Vested vs INDmoney
I-Vested kunye ne-INDmoney zombini ziiapps ezithembekileyo zorhwebo lwesitokhwe saseMelika.
Valiwe kunjalo, inokuthenjwa ngakumbi malunga nokhuseleko kunye nokusebenziseka ngokulula (ujongano olungcono kunye neempawu zedeshibhodi). IVested nayo igxile kurhwebo lwesitokhwe sase-US.
INDmali lusetyenziso ngokubanzi olunceda ukulawula kunye nokulandelela utyalo-mali lwakho lwezemali eIndiya nase-US nayo ukulandelela iindleko zakho kwaye iququzelela urhwebo lwe-crypto ngokunjalo.
Ngokubhekiselele kwi-stocks yase-US kunye ne-EFT yorhwebo - I-Vested ingcono kwizizathu zokukhuseleka ngakumbi kwaye igxininise ngakumbi kwi-US yorhwebo.
Ukuba kufuneka ndithathele ingqalelo i-INDmoney, yeyona app yesibini ilungileyo kutyalo-mali lwase-US.
Olu phononongo lusekwe kusetyenziso lwam lobuqu lweapps, kwaye ndingacebisa ngamandla ukuba ufunde uphononongo lomntu ngamnye Ifakwe apha kwaye INDmali apha, kunye nesi sithuba sokuthelekisa ukuze uzenzele isigqibo.
I-Puneet
Inqaku elinolwazi @Rima, kodwa ndinombuzo - yeyiphi eyona ndlela ilungileyo yokutyala imali kwi-IPO yase-US.
Ngaba iVested kunye ne-indmoney zombini zibonelela ngamathuba otyalo-mali ipo?
Aayush Bhaskar
Molo Puneet,
Okwangoku, akukho ndlela yokutyala imali kwii-IPO zase-US ngokusebenzisa i-fintech apps eIndiya.
Vineet
Enkosi Aayush.
Oku kubonakala ngathi linqaku elibhalwe kakuhle.
Ndiyazi ukuba mandikhethe eyiphi ngoku.
Anil
Hey Aayush, ngaba uthelekisa amaxabiso otshintshiselwano kuwo omabini amaqonga? Ndisebenzisa imali ye-ind kwaye amazinga okuguqulwa kwawo akwicala eliphezulu, ingaba njani nge-vested?
Upendra
Molo, inqaku elinolwazi kakhulu. Nangona kunjalo kuya kuba kuhle ukuba amanqaku emizuzu embalwa nawo anokwenziwa abe yinxalenye yale nto kwaye ixoxwe ngokubhekele phaya, Ezo zezi,
1. Amaxwebhu erhafu enziwe afumaneke ukuze kufakwe irhafu eIndiya.
2. Iintlobo zemiyalelo kunye nezithintelo. Umzekelo umlinganiselo wokuthenga iodolo kwiVested apho ungabeka ixabiso elingaphantsi kwereyithi yemalike ayinakubekwa kwizabelo zamaqhezu. Kwaye Yeka ukuthengisa iiodolo azinakubekwa ngexabiso elingaphezulu kwereyithi yemarike. Zombini ezi meko zinokusebenza ukuba umtyali-mali uzimisele ukulinda umyalelo ukuba uphunyezwe ngexabiso elifanelekileyo.