Uqhelene nokutyalomali kwi-equities, iingxowa-mali ezihlangeneyo, kunye neemarike zemasheya. Kodwa i-portfolio diversification theory isixelela ukuba ama-95% embuyekezo yepotfoliyo ivela kukwahluka phakathi kwezinye iindidi zee-asethi.
Umvuzo osisigxina okanye iibhondi, indawo yokuhlala kunye neyorhwebo, iingqeshiso zempahla, uluhlu lwempahla, utyalo-mali lwemali eyinkunzi, okanye utyalo-mali lwengelosi kwiinkampani zibonelela ngezinye ii-asethi ezahlula ipotifoliyo yakho ngaphaya kwee-asethi eziqhelekileyo njengeequity kunye igolide.
Utyalo-mali olulolunye lwangaphambili lunikezelwe kubantu abanexabiso eliphezulu abanexabiso elikhulu letikiti lotyalo-mali.
I-Wint Wealth kunye ne-Grip Invest ngamanye amaqonga otyalo-mali onokuthi ngawo utyale imali kwaye uguqule ipotfoliyo yakho phakathi kwee-asethi ezinganxulumananga.
Ngamaxesha okuguquguquka, utyalo-mali kolunye utyalo-mali yindlela esebenzayo yokwahluka komngcipheko.
Sesiphi isindululo seshishini esiphambili seWint kunye neGrip?
UWint uyile indlela egqibeleleyo yokuququzelela ukuqina korhwebo lwebhondi eIndiya ngokuthatha inxaxheba kwiivenkile.
EIndiya, utyalo-mali kwimarike yebhondi luthintelwe kutyalo-mali oluziibhanki zorhwebo kunye neengxowa-mali ezihlangeneyo zebhondi. UWint ujonga iibhondi zecandelo labucala okanye iikhredithi zeshishini ezilungileyo, ezibonelela ngesivuno esikhulu.
Xa utyala imali ngengxowa-mali yebhondi, isivuno se-bond mutual fund sicuthwa yiFund Manager's management fees nezinye iindleko zokusebenza.
Njengoko iimbuyekezo zengxowa-mali yebhondi nazo zirhafiswa, awufumani xabiso liphezulu lembuyekezo kwiibhondi. Ngaphambili, olona tyalo-mali luncinci belulukhulu ngokuthintelweyo xa kuthengwa iibhondi, zixhonywe kwi-Rs. 10 Lakhs ngebhondi nganye. Oku kuthetha ukuba awukwazanga ukwenza ipotfoliyo yebhondi yakho utyalo-mali oluthe ngqo.
Ubusika yenza kube lula ukuba utyale imali ngokuthe ngqo kwiibhondi ngokubamba iibhondi zibe ziincinci ezincinci ezifanelekileyo kubatyali-zimali abathengisayo. I-Wint ikuvumela ukuba utyale ngokuthe ngqo kwiibhondi ezikhutshwe yi-NBFC, ezithwala izivuno eziphezulu kunye notyalo-mali oluncinci lwe-Rs 10,000.
Ngaphandle kweprimiyamu enyuke kancinci ehlawulweyo ekuthengeni ibhondi, ziirhafu kuphela eziya kunciphisa isivuno sakho sisonke. Oku kunika ukusasazwa okukhulu xa kuthelekiswa neediphozithi zebhanki eziqhelekileyo, kwaye kunenzuzo yokwenza iintlawulo zomvuzo osisigxina.
Grip, ngokuchaseneyo, ibonelela ngeephuli ze-asethi ezikhuselekileyo ezinje ngengqeshiso ye-asethi, uluhlu lwempahla, izindlu ezithengiswayo kunye neentengiselwano zokuqalisa. Kwakhona, ezi mpahla zinikezelwa ngokobuncinane bokuthengisa, ukwenza utyalo-mali lube lula.
Omabini ngamaqonga e-fintech akwi-intanethi abonelela ngotyalo-mali olulolunye olukhuselwe kubuncinci bokuthengisa apho umtyali-mali omncinci othengisayo unokuthatha inxaxheba.
Indalo yonke yotyalo-mali olubonelelwa ngabo kukuhamba kutyalo-mali oluqhelekileyo, olwaziwayo kuwe kwaye lubonelela ngamathuba alungileyo ohlukeneyo kwipotifoliyo yakho kunye nemithombo yengeniso.
Utyalo-mali lwabo lubonelela ngeendlela zengeniso rhoqo, ngaphandle kwezabelo zabucala, apho imbuyekezo ifunyanwa kuphela kwi-IPO kunye noluhlu kwi-stock exchange.
Umahluko ophambili phakathi kweWint kunye nokubamba
S.Akabikho | Iinkcukacha | Ubusika | Grip |
1 | Uhlobo lotyalo-mali | Eziphezulu, iiBonds eziKhuselekileyo ze-NBFCs | Iingqeshiso ze-asethi ezikhuselekileyo, uluhlu lwempahla kunye nezindlu ezithengiswayo zonke zixhaswa yi-asethi, kunye ne-venture capital / start-up equity. |
2 | Utyalomali oluncinci | Rs 10,000 | Iyahluka kwi-Rs. I-10,000 yokuqeshisa nge-asethi kunye noluhlu lwempahla ukuya kutsho kwi-Rs. I-1,00,000 yendawo yorhwebo kunye ne-venture capital |
3. | Ukhuseleko/Isibambiso | Iibhondi ziibhondi eziphezulu nto leyo ethetha ukuba zixhaswa sisibambiso kunye nenqanaba lokuqala kwintlawulo yenzala kunye neembuyekezo ukuba inkampani ivalekile. | Iingqeshiso ze-asethi, uluhlu lwempahla, kunye norhwebo zixhaswa, nto leyo ethetha ukuba bahlawula ngemali ephumayo ye-asethi. Imali yokuqalisa ishishini okanye imali yokuqalisa iyingozi kwaye ixhomekeke ekuthathweni ngempumelelo kweli shishini |
4 | Umlinganiselo wotyalo-mali | Ngokuqhelekileyo ukuya kwiminyaka emibini. | Ii-teors ezahlukeneyo zinikezelwa, utyalo-mali lwe-inventri luqala kwi-1 ukuya kwiinyanga ezi-6 kunye ne-asethi-backed leases ukusuka kwiinyanga ezingama-24 ukuya kwezingama-36. Utyalo-mali lwezindlu nezindlu lunexesha elide, kwaye i-capital venture kunye ne-capital yokuqalisa lixesha elide ukuya kuthi ga ekuphumeni kutyalo-mali. |
5 | Iintlawulo zembuyekezo | Iintlawulo zenzala yebhondi inokuba ngesiqingatha sonyaka okanye ngekota. | Ziintlawulo zenyanga kwimeko yoqeshiso oluxhaswe yi-asethi okanye uluhlu lwempahla, indawo yorhwebo ihlawula isivuno ngekota, kwaye kwimeko yemali eyinkunzi yemali, imbuyekezo ifunyanwa ngokusekwe kuphinda-phindo lokhuseleko olufumana kuluhlu. |
6 | Yima kancinci | Izivuno inokuba malunga 11% pa pre-tax | I-asethi-backed leases zinika isivuno ukuya kuthi ga kwi-21% pa pre-tax, inventory inikezela nge-12% pre-tax isivuno, commercial real estate inikeza 11% pre-tax, kunye ne-venture capital ingaba ngamaxesha amaninzi ngokusekelwe kuluhlu oluyimpumelelo. |
7 | Umngcipheko ophantsi | Ityala leshishini le-NBFCs | Iingqeshiso kunye ne-inventri yintengo yemboleko yenkampani, ikhredithi yorhwebo ngabaqeshi be-MNC, kunye ne-venture capital lutyalo-mali kunye namahlakani oshishino (udidi olusemngciphekweni omkhulu). |
Unokufunda uphononongo lwethu olupheleleyo lwe Grip Invest apha. Kwaye, unokufunda kwakhona ngokupheleleyo Uphononongo lweWint Wealth, apha.
Ukufana phakathi kweWint kunye nokubamba
Zombini ngamaqonga etekhnoloji e-intanethi aququzelela utyalo-mali olulula. Zombini zibonelela ngendalo yotyalo-mali olulolunye. Zombini zibonelela ngamathuba otyalo-mali oluxhaswe yi-asethi kubatyali-zimali abathengisayo. Bobabini baya kunceda ipotfoliyo yakho ukwahlukahlukana ngokunikezela ngee-asethi ezinganxulumananga. Utyalo-mali lwabo lunemveliso ephezulu.
Utyalo-mali olubonelelwa zizo zombini luxhomekeke kumngcipheko wokungagqibeki kwetyala kwimeko yeebhondi, iingqeshiso ezixhaswa yi-asethi, uluhlu lwempahla, kunye nemihlaba yorhwebo.
Kukwakho umngcipheko wokungabi namali yokuhlawula amatyala kunye nomngcipheko worhwaphilizo. Utyalo-mali lwabo lubonelela ngokhuseleko ngenxa yokuba lubambisene. I-Capital ye-Venture ixhomekeke kumngcipheko wemarike ovela kwi-stock market okanye ukungafumani nzuzo kuluhlu kuluhlu kutshintshiselwano.
Kwakhona, iinkampani eziqalayo ziinkampani zakwinqanaba lokuqala ezinemodeli yeshishini inokusilela, okukhokelela ekuphulukaneni nenkunzi yakho.
Ukuthatha okuQatha:
Njengomtyali-mali othengisayo, unethuba elingazange libonwe ngaphambili lokutyala kutyalo-mali olulolunye. Ngeminikelo yabo ye-intanethi, Ubusika kwaye Grip banike ithuba elifanelekileyo lokwahluka kwakho iipotfoliyo.
Ngaphezu koko, ezi klasi ze-asethi aziqhagamshelwanga kwiimarike ze-equity kwaye zibonelela ngereyithi yembuyekezo ephezulu. Emva kobhubhani we-Covid-19, ii-asethi zeshishini ziyafumaneka ngamaxabiso aphantsi, okonyusa imbuyekezo yakho.
Ufumana inzuzo yengeniso ezinzileyo ngokutyala imali kwezi asethi. Kwimeko ye-venture capital, unethuba lokuthatha inxaxheba kuqingqo-maxabiso oluphantsi kakhulu, kakhulu phambi koluhlu lwemarike.
Shiya iMpendulo