Ngaba ubhidekile malunga nokuba yeyiphi i-app onokuthi uyisebenzise phakathi kweWinvesta kwaye inikezelwe ukuqala utyalo-mali lwakho oluthe ngqo lwamazwe ngamazwe?
Ndilapha ukukunceda.
AmaIndiya asandula ukwenza utyalo-mali olukhulu oluthe ngqo. Abantu abaninzi basebenzise ithuba lokusebenzela ekhaya ngenxa yokuqhambuka kwe-COVID-19 ngokuthenga izitokhwe.
Oku kungenxa yokuba i-stock market yase-US ifumana ukuphazamiseka okwethutyana. Kodwa, iimakethi zinamandla amakhulu okukhula kwixesha elizayo, nto leyo ezenza zibe ezinye iindlela ezinqwenelekayo kwizitokhwe zaseIndiya.
Enkosi kwiiapps zanamhlanje, abantu ngoku banokuthenga izitokhwe ezidweliswe kwihlabathi jikelele, kubandakanya notshintshiselwano lwesitokhwe saseMelika.
Phantsi kweSikimu sokuThunyelelwa kweMali ngokuKhululwa (LRS), amaIndiya angatyala imali eyi-$250,000 phesheya kolwandle kunyaka-mali omnye ngaphandle kokucela isigunyaziso kwiBhanki enguVimba yaseIndiya.
Eyona ndlela ilungileyo yokuba abatyali-mali abaphumeleleyo batshintshe iipotifoliyo zabo kukuthenga isitokhwe sangaphandle.
UWinvesta kunye neVested zezona zicelo zotyalo-mali eziphezulu ezithandwayo kolu didi.
Ngaphambi kokukhetha i-app yotyalo-mali, ujongo lwasemva luyimfuneko. Kuya kufuneka uphande ngokucokisekileyo iimpawu ezibonelelwa zezi zixhobo zimbini.
I-Winvesta kunye neVested zombini zibonelela ngeempawu eziphambili ezifana nokhuseleko, ukhuseleko, kunye neendlela zokulawula. Kodwa akuphelelanga apho kufuneka ujonge. Usetyenziso olugqibeleleyo lotyalo-mali kufuneka lube nengxelo entle yabathengi, imirhumo yesiqhelo, kunye neenkonzo ezithembekileyo.
Ndilapha ukukunceda ekwenzeni isigqibo, ngoko ke qhubeka ufunda uthelekiso lwam lweWinvesta vs. Vested.
Yintoni uWinvesta?
Winvesta yi-robo-advisor platform enikezela ngeenkonzo zolawulo lotyalo-mali kubantu kunye namashishini. Isebenzisa i-algorithms ephezulu kunye nobukrelekrele bokwenziwa ukuhlalutya iimarike zezemali kunye nokwenza iingcebiso zotyalo-mali kubasebenzisi bayo.
I-Winvesta inikeza uluhlu lweendlela zotyalo-mali, kubandakanywa amasheya, iibhondi, kunye nee-ETF, kwaye ivumela abasebenzisi ukuba babeke iinjongo zabo zotyalo-mali kunye nokunyamezela komngcipheko. Iqonga lenzelwe ukuba lisebenziseke lula kwaye lifikeleleke kubantu bawo onke amanqanaba amava otyalo-mali.
U-Winvesta ubanga ukuba unikezela ngendlela efanelekileyo neyonga imali ukuze abantu batyale imali kwaye balawule imali yabo, ngemirhumo ephantsi kwaye akukho mfuneko yotyalo-mali incinci.
Iqonga libonelela ngohlaziyo rhoqo kunye neengxelo ukunceda abasebenzisi ukulandelela ukusebenza kwepotfoliyo yabo kwaye benze izigqibo zotyalo-mali ezinolwazi.
I-Winvesta ikwabonelela ngezibonelelo zemfundo kunye nenkxaso yabathengi ukunceda abasebenzisi baqonde inkqubo yotyalo-mali kwaye benze uninzi lotyalo-mali lwabo.
I-Winvesta ilawulwa yi-UK's Financial Conduct Authority (FCA). Nge-app ye-smartphone, yenza ukuba abatyali mali abancinci bathenge izabelo zeefemu ze-S&P 500.
Basebenzisa iibhanki zeTier-1 kwihlabathi liphela, zibenza bakhuseleke kwaye bathembeke. Umthetho awumvumeli uWinvesta ukuba abolekise ngemali, enze utyalo-mali, okanye ayisebenzisele iinjongo zoshishino.
I-app ye-Winvesta inokukhuphela okungaphezulu kwe-50k kwi-Google Playstore kunye ne-4.4 ye-avareji yokulinganisa kwi-Apple App Store.
Ngelixa usebenzisa i-app, uya kubhalisa iprofayile yakho yokuthengisa nge-DriveWealth, eyi-SEC kunye ne-FINRA-eqinisekisiweyo.
Yintoni iVested?
IVested Finance liqonga lotyalo-mali kwi-intanethi elivumela abatyali-zimali baseIndiya ukuba benze utyalo-mali kwimarike yemasheya eMelika. Yasekwa ngo-2018 kwaye ikomkhulu layo likwiMountain View, eCalifornia.
Kuba lo ingumba kubatyali-mali abaninzi, iVested Finance ikuvumela ukuba ufumane izabelo zezabelo zamashishini ase-US, abiza kakhulu kumaIndiya.
Ukongeza kuloo nto, iVested Finance ayinamrhumo wokubhalisa iakhawunti okanye iintlawulo ezifihliweyo, nto leyo eyenza ibe lukhetho olunengqiqo kakhulu kubatyali-zimali.
Kodwa linda, kukho okungakumbi. IVested Finance inyuse ngaphezulu kwe-15 yezigidi zeedola kwingeniso, kwaye banabasebenzisi ababhalisiweyo abangaphezu kwe-150m kwihlabathi liphela.
Iimpawu zeWinvesta
Fumana iiNtlawulo kumazwe ngamazwe
I-Winvesta inokwamkela iintlawulo kuyo nayiphi na imali ye-30+ usebenzisa ulwazi lwabo lwe-akhawunti yabucala ngaphandle kokuhlawula iindleko zokuqokelela ezibizayo. Unokufumana imali kwiimali ezingaphezu kwama-30 ezahlukeneyo usebenzisa i-SWIFT/Ucingo.
Unokusebenzisa ii-akhawunti zabo zokuqokelelwa kwendawo ukwamkela iintlawulo nge-USD, GBP, CAD, kunye ne-EUR eUnited States, eUnited Kingdom, eCanada, naseYurophu. Abahlawulisi naziphi na iindleko ezongezelelweyo kwiirisithi zasekuhlaleni.
Udluliselo lwasekhaya kubaxumi bakho
Bavumela abasebenzisi ukuba bathathe iintlawulo nge-USD, i-GBP, i-EUR, kunye ne-CAD ngokufumana iinkcukacha zeakhawunti yendawo yeshishini lakho. UWinvesta ukwabonelela ngokurhoxa kosuku olunye ukuya eIndiya, eluncedo kakhulu.
Ngale nto, uya kuba nakho ukufumana imali eIndiya malunga nomba wemizuzu ngokuguqula amaxabiso eFX ecacileyo.
Uluhlu oluhle lweemveliso zemali
I-Winvesta ikwabonelela ngeendlela ezininzi zeemveliso zemali kubasebenzisi bayo. Oku kuquka:
- Equities. Ukufikelela kwizitokhwe ezidweliswe kwiNew York Stock Exchange (NYSE), iNational Association of Securities Dealers (NASDAQ), kunye neAmerican Stock Exchange (AMEX) (AMEX). Ngenxa yoko, ngoku unokuthengisa izitokhwe kwiinkampani zaseMelika ezaziwayo ezifana neTesla kunye neApple.
- Ii-ADRs. Isitokhwe senkampani yangaphandle imelwe yi-ADRs, okanye i-American Depository Receipts, eyenza ukuba urhwebo lwezo zabelo kwiimarike zemali zase-US. Oku kuthetha ukuba uWinvesta unokukwazisa kwiinkampani zangaphandle ezinekomkhulu ngaphandle kwe-US.
- Ii-ETF. Unokusebenzisa ii-ETF ukutyala imali kumacandelo emarike athile, ukusuka kwishishini leoli ukuya kwi-biotechnology. Ii-ETF zizixhobo zotyalo-mali ezidibanisa ii-asethi ezininzi “kwingxowa-mali” enye, ekuvumela ukuba utyale imali ngoko nangoko kwiinxalenye ezinkulu zemarike.
Iimpawu zeVested
Iakhawunti yoRhwebo yase-US kunye ne-inshurensi
Iiakhawunti ezithengiswayo zilawulwa yiDrivewealth, eyinkampani eyaziwayo yaseMelika yokuthengisa. Zonke iiakhawunti ezenziwe nguVested zikhuselwe nge-inshurensi yobuninzi be-500,000 yeedola.
IiPotfoliyo eziphuhlisiwe
IVested inikezela ngeeVests ezikhethwe ngesandla, iipotifoliyo ezakhelwe kwangaphambili.
Iindidi ezimbini zeevesti zisekelwe kwiinjongo kunye nomxholo. Utyalo-mali olusekwe kumxholo lubhekisele ekukhetheni utyalo-mali olunokubakho olusekwe kwimigangatho yoshishino. Iivesti ezisekelwe kwiinjongo zinokujolisa kwiinjongo ezifana nokwahlukana kweepotfoliyo, ulawulo lomngcipheko wotyalo-mali, njl.
Commission
I-Vested ayihlawulisi ikhomishini ekuthengeni isitokhwe esenziwa e-US. Olu luphawu oluhle kubo bobabini abathengisi abangaqhelekanga kunye nabaqhelekileyo. Olu khetho lotyalo-mali olungakhomishini lunokuba luncedo ukuba unenjongo yokwenza utyalo-mali lwexesha elide.
Izinketho zotyalo mali
IVested ibonelela ngokufikelela ngaphezu kwe-1500 yase-US equity kunye nee-ETF. Kuba $3 ipotifoliyo nganye. Iiprofayili zotyalo-mali ezilungiselelweyo zikwabonelelwa. Isicwangciso sePrimiyamu sinikezela ukuya kuthi ga kwiVest ezili-9 ngaphandle kweendleko ezongezelelweyo.
Iiprofayili zotyalo-mali ezilungelelanisiweyo zinika abasebenzisi ithuba lokufikelela kwisixhobo esibanzi solawulo lwepotfoliyo ukuyila, ukubeka esweni, nokulawula ngokuguquguqukayo iipotfoliyo zabo.
IiVest's Vest zivumela abasebenzisi ukuba batyale imali kwii-ETF kunye nezinto ezintsha ezivelayo ezinje nge-metaverse, ubukrelekrele bokwenziwa, iirobhothi, kunye ne-blockchain.
izabelo
Ungathenga izahlulo okanye amaqhezu ezabelo kunesabelo esipheleleyo. Lo msebenzi ulungile kubaqalayo kunye nabatyali-mali abancinci abafuna utyalo-mali oluncinci. Iindleko ze-equities zase-US ziphezulu.
Ezinye izinto
Stocks
Abathengi abathengiswayo banokufikelela kwiinkampani ezingaphezu kwe-1,000 ezidweliswe kutshintshiselwano lwase-US njenge-NYSE kunye ne-NASDAQ. Ukongeza, izabelo eziqhekekileyo ziyafumaneka ukuze zithengwe kwaye zithengiswe, kukuvumela ukuba ulawule inxalenye yeNetflix okanye iAmazon nge-1 yeedola kuphela.
ETFs
Ii-ETF zizixhobo zotyalo-mali ezikuvumela ukuba wandise ipotfoliyo yakho ngokucofa nje kube kanye kwaye ubambe amakhulu ezitokhwe. I-Vested inikezela ngokufikelela kwii-ETF ezingaphezu kwe-100 ezigxile kwiintlanga ezifana ne-Australia kunye namashishini afana ne-semiconductors.
Iintlola
IVests ziiphothifoliyo ezikhethekileyo eziye zacutshungulwa kwangaphambili kwaye zilawulwa ngobuchule ngabaphathi bengxowa-mali. Zifana nee-ETF ezinemixholo ezifana neTyalo-mali yeArk, ekuvumela ukuba ubheje kwishishini elithile okanye kwintengiso ekhethekileyo.
I-app yeselula enikezelweyo
IVested mobile app, efikelelekayo kuzo zombini i-iOS kunye ne-Android, ikuvumela ukuba uthenge kwaye uthengise izabelo ngelixa usendleleni. I-Vested inamandla afana neentlobo ze-odolo ezinzima kunye nezihloko zeendaba ezithile, kwaye isofthiwe yayo icacile kwaye kulula ukuyisebenzisa.
Izixhobo kunye noPhando
Unokukhuphela zonke izikrini zemarike, amanqaku ophando, kunye nohlaziyo lomhlalutyi simahla.
Izaziso
Unokuseta izaziso kwi-app ephathwayo ukuba waziswe ngokushukuma kwesitokhwe, iindaba, uhlaziyo lweshishini, kunye neentlanganiso zebhodi.
Uthelekiso oluneenkcukacha phakathi kweWinvesta kunye neVested
Iintlawulo zokurhweba
I-Winvesta ihlawulisa i-1.50% yexabiso lokurhweba (ubuncinci be-$ 1 ngorhwebo) kwimirhumo ye-brokerage. Ngeli xesha, iVested Finance iqinisekisa i-0% ikhomishini njengesiqhelo kubathengi bayo. Ngenxa yoko, iVested iba lolona khetho lungabizi kakhulu kubatyali-mali.
Intlawulo yokurhoxa
I-Winvesta ivumela ukuhoxiswa kwamahhala kwi-akhawunti yokurhweba kwi-Winvesta MCA, ngelixa ihlawula umrhumo we-10 yeedola nganye yokurhoxiswa kwemali kwi-akhawunti.
Nangona kunjalo, kukho intlawulo yee-5 zeedola ngokurhoxiswa kwenkxaso-mali nganye kwiVested Finance. I-Vested ihlala iyeyona ndlela inenzuzo kulo mzekelo.
Ezinye iintlawulo
Iintengiso ezili-10 zokuqala eWinvesta zisimahla kwinyanga yakho yokuqala, kodwa zithathu zokuqala kuphela ezisimahla kwiinyanga ezilandelayo. Zonke iintengiso ezilandelayo ziya kuhlawuliswa intlawulo yenyanga ye-1 yeedola ngokurhweba.
Ukurhweba ngaphakathi Valiwe simahla. Awuyi kuhlawuliswa nto ukuthenga nokuthengisa.
Ukuba ufuna ukudlulisela izabelo zakho komnye umthengisi, ixabiso lilonke eWinvesta liya kuba yi-100 yeedola. Oku akuchazwanga kwiVesta Finance.
Unokuhlawuliswa phakathi kwe-$ 25.00 kunye ne-$ 85.00 ukuba ugqithiselo lwe-wire ngaphakathi okanye ngaphandle kwe-akhawunti yakho yeWinvesta ityhola okanye ayiphumeleli. Le ntlawulo idla ngokutsalwa ngokuthe ngqo yibhanki yomntu wesithathu ekuthethwa ngayo.
Umrhumo wokutshintshela umnxeba ongaphumelelanga kwiVested yi-20.00 yeedola ngokugqithiselwayo okungaphumelelanga, okulungisiweyo.
Ukusuka apha ngasentla, iVested Finance isamdalela uWinvesta malunga nazo zonke ezinye iintlawulo kunye neentlawulo.
Safety
Winvesta
I-Winvesta igunyazisiwe kwaye iphantsi kolawulo olungathanga ngqo yi-FCA, umlawuli weenkonzo zezimali zase-UK. I-Liberalized Remittance Scheme, evumela abemi baseIndiya ukuba benze ukuya kuthi ga kwi-250,000 yeedola kutyalo-mali lwaphesheya kolwandle ngonyaka, ngumthetho omnye we-SEBI awuthobelayo uWinvesta.
I-Drivewealth, ekwayi-SEC kunye ne-FINRA-eqinisekisiweyo, iya kubhalisa i-akhawunti yakho ye-brokerage.
IWinvesta kungoko ikwabonwa njengekhuselekile.
Valiwe
Imimiselo yeKhomishoni yoKhuseleko kunye noTshintshiselwano (SEC) ilawula i-Vested Finance kuba ingumcebisi wotyalo-mali obhalisiweyo we-SEC. Phakathi kweemali ezixhasa ngemali iVested Finance yiDorm Room Fund, iHustle Fund, iAxis Bank, kunye ne-ICICI Bank.
I-Vested idla ngokujongwa njengento engenamngcipheko.
Ezi qonga zimbini azinabungozi ngokwemiqathango yokhuseleko. Akukho nalinye lamaqonga adibanayo.
Winvesta Pros and Cons
eziluncedo
- Ubukho beemarike zezabelo zaseMelika
- I-app yokurhweba ekulula ukuyisebenzisa eyenza utyalo-mali lube lula
neengozi
- Kuphela liqela elikhethiweyo leequity elifumana ukuhlaziywa kotyalo-mali ngabahlalutyi.
- Akukho ukufikelela kwixesha elizayo, i-indices, cryptocurrencies, derivatives, iinketho, okanye iminikelo yokuqala yoluntu (IPOs).
IiPros and Cons eziGqithiweyo
eziluncedo
- Iipotifoliyo ezinemixholo, umzekelo, zineempawu ezahlulayo.
- Isakhiwo sekhomishini eyahlukileyo
- Urhwebo lwasimahla lwekhomishini
neengozi
- Akukho ukufikelela kwiminikelo kawonke-wonke yokuqala, iibhondi, i-derivatives, i-commodities, okanye i-cryptocurrencies (i-IPOs).
- Akukho sicelo sedesktop esikhoyo.
Iingcinga Final
Lilonke, iWinvesta kunye neVested zizixhobo ezibalaseleyo kutyalo-mali eMelika. Kwelinye icala, iVested ibonelela ngeendlela ezilula nezikhawulezayo zotyalo-mali, kanti iWinvesta ikuvumela ukuba utyale imali kuluhlu olubanzi lwee-asethi ezifana neeNgxowa-mali eziBalulekileyo, ii-ETF, iidiphozithi eziqingqiweyo, ii-NFOs, kunye ne-NPS.
Nangona kunjalo, ukuba ndifuna ukutyalomali kwii-stocks zase-United States, ndingakhetha IVested Finance ngenxa yeAlphaScreener yayo ebalaseleyo, ebonelela ngovavanyo olunzulu kunye nezixhobo zokunceda ekuphandeni izitokhwe kunye nezinye izinto.
Iidiphozithi ezithe ngqo zeVested kunye notyalo-mali oluqhelekileyo lubonelela ngeenzuzo ezininzi kubatyali-mali bayo, oko kuyenza ibe yeyona ndlela ikhethwayo yokutyala imali kwiimarike zaseMelika.
Ngaphandle koko, uninzi lothelekiso oluboniswe ngasentla luthande iVested. Iqhayisa ngeentlawulo kunye neentlawulo ezimbalwa, ukhuphelo oluninzi, kunye nabantu abaninzi abayivavanyayo, nangona iireyithingi zimbini ziyalingana.
Shiya iMpendulo