Iqonga elinezinto zalo ezibhaliswa ngokupheleleyo ngosuku. Ezinye zee-asethi ezidwelisiweyo ziya kuthengiswa kwiiyure ezi-2, kwaye iWint Wealth yenza iintloko kushishino lwezemali lwaseIndiya.
Kodwa, yintoni iWint Wealth, isebenza njani?
Kutheni le nto ixutywa kangaka, kwaye inika imbuyekezo entle ngokwenene?
Ndisebenzise iqonga leWint ukufumana iimpendulo kuyo yonke le mibuzo.
Masiqalise nge-A ukuya ku-Z yeqonga kwaye ingaba kufanelekile ixesha lakho kunye nemali okanye hayi.
Yintoni Wint?
Wint Ubutyebi liqonga lokunyusa ingxowa-mali ye-NBFCs (iiNkampani zeziMali eziNgezoBhanki). Ibonelela ngoluhlu lwempahla kubasebenzisi bayo kwaye inikezela ngembuyekezo elungileyo ezinzileyo kutyalo-mali lwabo.
Ubutyebi beWint bubonelela ngokukhuselwa okuphezulu amabhondi ukusuka kwiinkampani ezahlukeneyo ngqo kumsebenzisi.
Kodwa, kutheni kanye kufuneka usebenzise iWint ukutyala imali kwezi bhondi?
Masifumanise.
Kutheni Wint?
Ngokubanzi, abatyali-mali abathengisayo abanakutyala imali kwezi bhondi njengoko ubungakanani betikiti labo buphezulu kakhulu. Iqala malunga ne-Rs.10,00,000 engenakwenzeka kwaba batyali-mali beevenkile.
Enye indlela yesibini yokutyalomali kuzo ngokusebenzisa iibhanki kunye funds mutual. Ezi zixhobo zemali zithatha iimali ezivela kubatyalo-mali abathengisayo, zongeza imida yazo, kunye neendleko kwaye emva koko zityala imali kwezi bhondi.
Ingxaki ngale nkqubo kukuba izinga lenzala elifunyenwe ngumtyali-mali lihlala liphantsi. Oku kwenzeka ngenxa yokuba iibhanki zigcina isabelo sazo sengeniso ngokunjalo.
UWint ujonge ukujongana nazo zonke iinkxalabo ezinjalo ngokuvumela abatyali-zimali abathengisa ngokuthe ngqo ukuba batyale imali kwezi bhondi. Ngokwemimiselo emitsha, abatyali-mali ngoku bangenza utyalo-mali oluncinci lwe-R.10,000 kwezi bhondi.
NgeWint, ngoku ungatyala imali ngokuthe ngqo kwezi bhondi ngaphandle kokuphazamiseka kwayo nayiphi na ibhanki okanye ingxowa-mali ehlangeneyo. Oku kunika izinga eliphezulu lembuyekezo kubatyali-mali.
Ziziphi iiBond eziKhuselekileyo zeWint?
Phambi kokutsibela kwiiBonds eziKhuselweyo eziPhezulu, kubalulekile ukuqonda imiqathango yayo nganye. Ukuqala, ibhondi lukhuseleko lwengeniso esisigxina. Kulwimi lwezemali, ibhondi sisibambiso apho lowo ukhuphayo enetyala kumnini webhondi. Umniki-mali unyanzelekile ukuba abuyisele isixa-mali sebhondi ekuvuthweni kwayo kunye nenzala kwixesha elithile.
Ngoku, kukho iindidi ezimbini zeeBonds, okt iibhondi ezingakhuselwanga kunye neeBonds eziKhuselekileyo. Ibhondi engakhuselekanga ithetha nje ibhondi engenalo ukhuseleko olubandakanyekayo kwikhontrakthi. Ukuba inkampani iqukumbela imisebenzi yayo, ke kukho ithuba elincinci kakhulu lokufumana imali yakho eyintloko kwinkampani.
Ibhondi ekhuselweyo yileyo ixhaswa zizibambiso ezaneleyo. Ke, ukuba inkampani iphelile, unethuba eliphezulu lokubuyisela imali yakho eyintloko.
Okokugqibela, iibhondi eziphezulu ezikhuselweyo zithetha ukuba kwiziganeko zokuvalwa kwenkampani, abona banini-bhondi bakhuselwe kakhulu baya kuba ngabokuqala ukufumana utyalo-mali lwabo. IBond eKhuselekileyo yeWint yobutyebi isekwe kule modeli kuphela.
Iimpawu zoButyebi basebusika
Kukho izinto ezininzi eziza etafileni kunye neeBond eziKhuselekileyo zeWint. Makhe sijonge kuzo zonke ngokweenkcukacha.
1. Ubungakanani betikiti eliphantsi
Ngokungafaniyo nolunye utyalo-mali lwebhondi, apho kukho ubungakanani betikiti obuphezulu kakhulu, iWint inika abatyali-mali abathengisayo ukuba bathathe inxaxheba kwezi ziqinisekiso zengeniso ezinzileyo ngexabiso eliphantsi njenge-Rs.10,000. Ke, akunyanzelekanga ukuba utyale isixa esikhulu kwezi ziqinisekiso kwaye ungaqala ngesixa esiphantsi kakhulu ukwenza imbuyekezo entle.
2. UTyalo-mali oluLungileyo noluKhuselekileyo kwiPlatform
Abatyali-mali ngokubanzi bayoyika ukutyala imali kuyo nantoni na ngokuthe ngqo njengoko kukho ubuqhophololo obuninzi obenzeka kwicandelo lezemali. Ukujongana noku, iWint ihluza ezona nkampani zibalaseleyo kwaye ibonelela kuphela ngeyona ndlela ikhuselekileyo kubatyali-mali.
3. Imbuyekezo engcono kune-FDs
Abantu bayagula ngenxa yokuncipha okuqhubekayo kwembuyekezo yediphozithi eFixed, kwaye uWint unika nje isisombululo esifanelekileyo koku. Ukuba lukhuseleko nokhuseleko lwengeniso esisigxina, iBond ekhuselweyo ePhezulu iyafana neeFDs ngokwendalo. Nangona kunjalo, babonelela malunga ne-9% ukuya kwi-11% yembuyekezo, engaphezulu kakhulu kune-FDs.
4. Umngcipheko ophantsi kuneeMarike zeMpahla
Iibhondi eziphezulu ezikhuselweyo ze-Wint Wealth azikho kufutshane nesixa somngcipheko weemarike zemasheya. Ukuba umngcipheko wakho wokutya usezantsi okanye ungumntu ongafuniyo ukuphulukana nemali eyintloko, izixhobo zotyalo-mali zikaWint zinokuba lolona kubheja lungcono kuwe.
5. IThuba loTyalo-mali olwahlukeneyo
Njengoko abantu bejolise ekuguquleni iinketho zabo zepotfoliyo, iWint inika ithuba elihle kwesi sizinda. Unokwenza lula utyalo-mali lwakho kwi-equity kunye namatyala, njengoko ezi bhondi zikuvumela ukuba utyale ngokuthe ngqo kumatyala akhuselekileyo nakhuselekileyo.
IiNzuzo zobuTyebi baseWint
1. Iimbuyekezo ezilungileyo
I-Wint Wealth inikezela malunga ne-9% ukuya kwi-11% imbuyekezo kwiiBond zabo eziKhuselekileyo eziPhezulu, eyimbuyekezo entle kakhulu xa kuthathelwa ingqalelo ukuba lukhuseleko olusisigxina.
2. Ixesha elingaphantsi
Ngokungafaniyo nezinye ii-FDs kunye neebhondi ezinikezela ngembuyekezo kumdlalo wexesha elide, okt, malunga neminyaka emi-5, ezi bhondi zinikezelwa yi-Wint Wealth zinika le mbuyekezo kwisithuba seminyaka emi-2 kuphela.
3. Ukwahluka
Ukuba ukwi-investment, ngokuqinisekileyo kufuneka uyiqonde into yokuba kufuneka udibanise ipotifoliyo yakho. Le yantlukwano ikunika ukhuseleko malunga nokuwa ngequbuliso kwimarike yemasheya. NgeeBonds eziKhuselekileyo eziPhezulu, ungayalula ngokulula ipotifoliyo yakho ngokutyala imali kumatyala anika imbuyekezo esisigxina.
4. Ilawulwa ngokupheleleyo
Inzuzo enkulu yotyalo-mali kwi-Wint Wealth yimigaqo yayo. Ilawulwa yi-SEBI & RBI, enika imvakalelo yokhuseleko kunye nokukhusela kubatyalo-mali. Ke, unokumthemba ngokuqinisekileyo Wint notyalo-mali lwakho.
5. Kudweliswe kwiiMarike zeStock
Uninzi lweebhondi ezikhoyo kutyalo-mali kwiqonga likaWint zidweliswe kwimarike yemasheya. Oku kunika amandla ombane kakhulu kwezi zixhobo.
Imingcipheko Ebandakanyekayo
Ngalo naluphi na utyalo-mali, kuza umngcipheko omkhulu etafileni. Makhe sijonge imingcipheko ebandakanyekayo kwiqonga leWint Wealth.
1. Umngcipheko weTyala
Amaxesha amaninzi, abatyali-mali bayoyika ukuba utyalo-mali lwabo lunokufikelela kwi-zero ukuba ukuqalisa kuyaphela. Kwiimeko ezininzi, iibhondi ezingakhuselekanga ziye zafaka aba batyali-mali kwilahleko enkulu. I-Wint Wealth iyawususa lo mngcipheko ngokuvumela kuphela ezo nkampani ezikumaqonga azo anamanzi okhuseleko olugqithisileyo zigubungele iimali zazo ezinyusiweyo.
Ungaya nakwii-Amortizing bonds, apho unokuphinda ufumane isixa-mali sakho esiyintloko ngezavenge ngexesha elithile.
2. Umngcipheko weLiquidity
Nangona ungazithenga ezi bhondi nanini na xa zikhoyo, ungajongana nemiba xa ufuna ukuzithengisa. Oku kungenxa yokuba ezi bhondi azinamali eninzi ngamanye amaxesha, naxa zidweliswe kurhwebo lwesitokhwe.
Eyona ndlela yokujongana nayo kukutyalomali kuphela eso sixa onokuthi usibambe kangangexesha elithile. UWint uncedisa koku ngokubonelela ngembuyekezo elungileyo kwithuba elifutshane leminyaka emibini okanye unyaka omnye. Ngale nto, abatyali-mali akufuneki balinde ukufumana umdla wabo kunye nesixa esiphambili.
3. Umngcipheko wobuqhophololo
Akukho mntu waziyo xa ubuqhetseba bunokwenzeka emntwini. Kukho iimeko ezininzi apho abantu baye babanjwa kwi-lakhs of capital. Ngokufanayo, abantu abaqinisekanga nge-100% kula mabhondi.
I-Wint inikezela ngokhuseleko olupheleleyo lwezi bhondi ngokusebenzisa iindlela ezahlukeneyo. Okokuqala, nayiphi na kunye nazo zonke iibhondi zikhethwa yi-cherry. I-Wint izisa kuphela ezo nkampani zinexabiso eliphantsi.
Inkampani enexabiso eliphantsi ithetha ukuba inomlinganiselo ophantsi wetyala-to-equity. Oku kuthetha ukuba xa inkampani igqiba ukusebenza, iya kuba nako ukuhlawula amatyala ngokulingana kwayo.
Indlela yokuTyala imali kwiiBonds eziKhuselekileyo eziKhuselweyo zeWint Wealth
Njengawe bhalisa kwaye uziqinisekise ngenkqubo ye-KYC, uya kudibana nesi sikrini sedeshibhodi. Apha ungajonga kwaye ujonge kulo lonke utyalo-mali lwakho.
Ukuthenga ibhondi, cofa kwithebhu ethi "Assets", eya kukuthatha ukuya kwesi sikrini. Uya kufumana zonke ii-asethi ezidwelisiweyo ze-Wint Wealth kule thebhu. Njengoko unokubona ii-asethi ezibonakalayo kumfanekiso, sele zithengisiwe. Nangona kunjalo, unokujonga iinkcukacha zabo.
Njengoko ucofa ku-"Jonga iiNkcukacha ze-Asethi", uya kufumana le thebhu apho unokubona zonke iinkcukacha ze-asethi. Ibonisa uhlobo lwentlawulo yenzala, intlawulo eyintloko, ubuncinane botyalo-mali oluza kufunyanwa, kunye nobungakanani bokukhutshwa kwebhondi.
Ungacofa kwithebhu ethi "Tyala ngoku" ukuba ukulungele ukuthenga i-asethi.
Ngoku, uya kubhekiswa kwesi sikrini apho unokukhetha indawo yakho yokutyala imali kwaye ubone imbuyekezo oza kuyenza ngayo. Emva kokukhetha inani lamaqashiso, cofa ku “Tyala ngoku”.
Emva koko uya kusiwa kwisango lokuhlawula, apho unokwenza khona intlawulo kwaye ufumane ezi asethi.
Isigqibo sam
Lilonke, iWint Wealth luguquko kwicandelo lotyalo-mali lwebhondi. Kukho izinto ezininzi ezahlukeneyo kunye neenzuzo ezenza i-app ibonakale kwimarike. Abasebenzisi baziva bekhuselekile ngeendlela ezahlukeneyo zokhuseleko kunye namachibi okhuseleko akhoyo eqongeni.
Nangona kunjalo, ndingacebisa kakhulu abafundi bam ukuba baqonde ngokupheleleyo ezi bhondi kuqala. Phambi kokuba uthathe umnxeba, kufuneka ubone ukuba ezi nkampani ziyakwazi na ukulawula imingcipheko yazo kakuhle okanye hayi. Kuhlala kucetyiswa ukuba uliqonde ngokupheleleyo ishishini kunye nokusebenza kwalo ngaphambi kokuba utyale imali oyisebenze nzima kulo.
Ndiyathemba ukuba ukwazile ukuqonda yonke into malunga neWint Wealth kunye nokuba lolona khetho lufanelekileyo lotyalo-mali kuwe okanye hayi. Beka izimvo zakho kwaye undixelele inxalenye oyithandayo yeli qonga lotyalo-mali eliguqukayo.
Qala ukutyala imali ngeWint Wealth →
FAQs
Uyenza njani imali uWint?
Njengoko abatyali-mali bethenga iibhondi eziphezulu ezikhuselweyo, bafumana inzala ngamaxesha athile kolu tyalo-mali. I-Wint Wealth ihlawulisa iinkampani ezikhupha inzala malunga ne-1% ukuya kwi-1.5% yenzala kuzo zonke iintengiselwano ezenziwe kwiqonga labo.
Ngaba iiBonds eziKhuselweyo eziPhezulu zikhuselekile?
Iibhondi eziphezulu ezikhuselweyo zezona bhondi zikhuselekileyo kweli candelo. Ngaphandle kokubonelela ngokhuseleko olukhuselekileyo, banikezela ngesixa-mali esiphambili ukubuyisela kubatyali-mali kuqala kwaye kuqala njengemali yokubuyisela kwiziganeko zokuphela kwenkampani.
Ngaba iWint Wealth ikhuselekile?
Inkampani ilawulwa yi-RBI kunye ne-SEBI. Oku kuthetha ukuba akukho thuba lokukhwabanisa okanye into engekho mthethweni eyenziwa kuyo.
Yeyiphi eyona mali incinci ungaqala ngayo ukutyala imali ngeWint Wealth?
Ngobungakanani betikiti kwixabiso elincinci kakhulu, abasebenzisi banokutyala imali ephantsi njenge-Rs.10,000 kwii-asethi ezikhoyo kwi-Wint ubutyebi.
Ngaba ndingalahlekelwa yimali nasemva kokuba ndinalo lonke olu khuseleko kwezi bond?
Ewe, usengaphulukana nemali yakho kwezi asethi. Ungalibali ukuba ikwasisixhobo sotyalo-mali kwaye kuhlala kukho umngcipheko wokuphulukana nenkunzi yakho kwezi zenzo.
Shiya iMpendulo