Idatha yomlando ithi Izitoko zase-US zenze kangcono ngo-20% kunezitoko zaseNdiya futhi inani leDola laseMelika ku-INR nalo lenyuka minyaka yonke.
Lokhu kwenza kube lula kakhulu ukunquma ukuthi ungazuza yini ngokutshala izimali ezitokweni zase-US noma cha.
Iza maduze ezimakethe zaseNdiya, i-Appreciate (eyaziwa nangokuthi i-Appreciate Wealth) ibonakala iletha inguquko kumaNdiya anentshisekelo yokwenza ukutshalwa kwezimali komhlaba wonke.
Mina ngokwami ngimba ngijule ukuze ngithole yonke into mayelana nohlelo lokusebenza ukuze uthole izimpendulo zakho endaweni eyodwa.
Ngakho-ke, ake siqale futhi siqale sithole ukuthi uhlelo lokusebenza lumayelana nani?
Kuyini Ukwazisa?
Yazisa iyisiqalo samaNdiya esivumela abasebenzisi baso thenga amasheya ase-US ngqo kusuka kuhlelo lokusebenza. Ungathenga amasheya ezinkampani ezinkulu ezifana ne-Tesla, i-Facebook, nokuningi ngemali encane njenge-Rs.1. Awukho umkhawulo wenani elincane kuhlelo lokusebenza.
I-Appreciate iphinde inikeze izici zokulondoloza ezisekelwe kumgomo. Ungakwazi nokubamba iqhaza ekuthengeni ama-micro-SIP kanye nokutshalwa kwezimali okuncane.
Iphinde inikeze izinkulungwane zemibiko ye-premium kanye nokuhlaziya kubasebenzisi bayo okubasiza ekwenzeni izinqumo ezifanele. Azikho izindleko zekhomishini noma izinkokhiso ezifihliwe ezifakwe ekwenziweni kohlelo lokusebenza.
Lezi kube ezinye zezinto ezinhle kakhulu zohlelo lokusebenza. Nokho, kuningi okulethwa uhlelo lokusebenza lwe-Appreciate etafuleni kubo bonke abasebenzisi balo.
Izici Of The App
Kusukela ekongeni okusekelwe emigomeni kuya kuzici zokuphepha ezisezingeni eliphezulu, u-Bonganisa izithembiso zokuletha. Nazi izici eziyinhloko zohlelo lokusebenza.
1. Ukonga Nokutshala Okusekelwe Kumgomo
Isici esiyingqayizivele se-Appreciate sikuvumela ukuthi uzibekele imigomo yakho yanoma yini. Uma ufuna ukuthenga imoto, igajethi, noma iholidi, kukuvumela ukuthi uzibekele imigomo yakho, futhi i-AI yobunikazi bohlelo lokusebenza ikuvumela ukuthi wenze ukukhetha okufanele.
I-AI ikusiza ngezincomo zephothifoliyo ezingakhuphula izinzuzo zakho futhi ekugcineni zikuthathele igxathu eliseduze nemigomo yakho. Ukwazisa ngisho kunikeza isici sokuthenga ama-Systematic Investment Plans(SIP) ngokuqondile ngohlelo lokusebenza. Ungenza ukutshalwa kwezimali okuncane ngezikhathi ezithile emavikini, izinyanga, noma ngisho nekota.
Zonke lezi zincomo zokutshala izimali kanye nokuhlukahluka kwephothifoliyo kusiza abasebenzisi ukufeza izinhloso zabo zezezimali kalula.
2. Shintsha Ukutshala imali
Lesi sici sishintsha umdlalo kubasebenzisi. Ngokushintsha kokutshala imali, i-Appreciate ihlanganisa imisebenzi yakho futhi itshale inani elidlulele ezitokweni zase-US.
Isibonelo, uma wenze umsebenzi wama-Rs.36, i-Appreciate izodonsa u-Rs.40 ku-akhawunti yakho yasebhange futhi itshale u-Rs.4.
Ungayisetha kalula ngokuzulazula kuhlelo lokusebenza. Nokho, lesi akusona isici esiyimpoqo, futhi kuncike kumsebenzisi.
Ngalesi sici, ungaqhubeka wenze ukutshalwa kwezimali okuncane okungaholela enani elihle ngokuzayo.
3. Izimali Zengxenyana
Kunabantu abaningi abaphuza ukutshala imali ezimakethe ngenxa yemali ephansi futhi akukho okonga. Ukwazisa kususa lesi sivimbelo ngokunikela ngokutshala imali okuyingxenyana. Ngalesi sici, ungatshala imali encane njenge-Rs.1 ezitokweni zase-US.
Lokhu kusho ukuthi ungakwazi ngisho nokuthenga amasheya e-Amazon ne-Google ngokomthamo wakho. Ubuye uthole imbuyiselo ezinkokhelweni zakho uma uncoma ukutshalwa kwezimali kwengxenyana yakho komunye umuntu futhi athenge amafrakshini afanayo ezincomweni zakho.
4. Amathuluzi Nezici Zokuhweba Pro
Uma ungumthengisi futhi ugula ngenxa yezinambuzane kanye nemikhawulo kuhlelo lwakho lokusebenza lokuhweba, u-Appreciate angaba umngane wakho omusha. Ikuvumela ukuthi uthathe ukuhweba ngaphandle kwamakhomishini. Okufanele ukwenze ukukhokha imali encane njalo uma ungena emsebenzini.
Amathuluzi amaningi kanye ne-AI yohlelo lokusebenza ikuvumela ukuthi uthole amathani emininingwane ezimakethe zezimali. Awekho amamodeli okubhaliselwe ukufinyelela lokhu nanoma yisiphi isici sohlelo lokusebenza.
Ukuthathela Izinyathelo Zokuvikela Ezingeni Elilandelayo
Njengoba abantu beqhubeka nokwesaba ukuthi bazolahlekelwa yimali yabo ngalezi izinhlelo zokusebenza zokutshala imali, I-Appreciate ibonakala ibucayi kakhulu mayelana nokuphepha komsebenzisi wayo. Ungathola izici eziningi zokuphepha ezisezingeni eliphezulu ezikhona kuhlelo lokusebenza.
Nazi izinyathelo zokuphepha eziphezulu ze-Appreciate:
1. Isexwayiso Ngokukhwabanisa kwe-AI
I-Appreciate inikeza isici esiguqukayo sokuxwayisa ngokukhwabanisa kwe-AI kubasebenzisi bayo.
Ngalokhu, konke ukuthenga kwakho kulandelelwa 24×7. Noma nini lapho wenza umsebenzi, i-AI iwuqapha ngokuqhubekayo, futhi ihlaba umkhosi noma yimuphi umsebenzi osolisayo ngokusebenzisa i-algorithm yayo yobunikazi ye-AI.
2. Umshwalense wephothifoliyo
Okuthile ongakutholi kaningi, umshwalense wephothifoliyo okhona ohlelweni lokusebenza ikuvumela ukuthi uvikele iphothifoliyo yakho. Ungakhetha kalula umshwalense osekelwa yi-US wama-akhawunti akho abiza cishe u-$500,000.
Nokho, akukuvikeli ekulahlekelweni kwakho kwezohwebo, okusobala.
3. Ukuthobela Yonke Imithetho Neziqondiso
Ukwazisa kulawulwa ngokuphelele yi-FEMA ne-RBI. Lokhu kuletha izinga eliphezulu kakhulu lokuphepha nokuphepha kuhlelo lokusebenza. Ungakwazi kalula iqhaza US izimakethe stock ngokusebenzisa uhlelo lokusebenza, njengoba kulawulwa.
I-USP ye-AppreciateWealth
I-Appreciate ihlose ukuletha inguquko engxenyeni yokutshalwa kwezimali yezwe, futhi njengoba usuku lwayo lokukhishwa lusondela, kubalulekile ukwazi i-USP yayo.
Nawa ama-USP ambalwa angasiza Yazisa ishaye izimbangi zayo ngokusho kwami:
1. I-AI-based Investing/Robo-Advisory
Yilapho i-Appreciate ibonakala iwunqoba khona umjaho izimbangi zayo.
Abasebenzisi bangajabulela izici zokuvumela i-AI ukuthi itshale imali egameni labo. I-AI ye-Appreciate iqapha ukuthanda kwakho ubungozi ngokusekelwe kulwazi olunikezwe nguwe futhi ithola amathuluzi alungile okutshala imali.
Izothenga ngokuqondile lezo zimpahla egameni lakho. Ngaphezu kwalokho, kumahhala kubo bonke abasebenzisi.
2. Izici Zokuphepha
Isimo sokuphepha sobuciko sisiza i-Appreciate ibe yintandokazi yokuqala kunoma ubani ofuna ukutshala imali emakethe yamasheya yase-US. Iphinde inikeze umshwalense omuhle wephothifoliyo yomsebenzisi.
3. Ukuthengiselana Okungahluphi
Nge-Appreciate, ungenza ukuthengiselana okushelelayo. Ungathenga futhi udayise izimali ozitshalile ngokuchofoza okukodwa. Le nqubo esheshayo yonga isikhathi esiningi kubasebenzisi.
4. Shintsha Ukutshala imali
Lesi sici siheha uquqaba ukuthi lusebenzise uhlelo lokusebenza lwe-Appreciate. Wonke umuntu uyazi ukuthi noma yiluphi ushintsho alutholayo lusetshenziswa ezindaweni ezingafuneki kakhulu. Ngokuzalwa koshintsho olutshalwa yi-Appreciate, abasebenzisi bangakwazi ukwenza imali ngakho.
Ukwazisa umane uhlanganisa okwenziwayo futhi utshale imali eyengeziwe nge-AI yayo ehlakaniphile. Lokhu kuyinto engathatha u-Appreciate ezindaweni.
5. Funda Ezinsizeni Eziyigugu
Ngisho noma ungazazi izimakethe zamasheya, ungasebenzisa i-Appreciate futhi wenze utshalomali lwakho lokuqala. Inikeza ukufinyelela kokuqukethwe okubalulekile nezinto ezibalulekile ezibiza ngaphezu kwama-Rs.5000 ukuze kufundiswe umsebenzisi mayelana nezimakethe zezimali.
Ingabe Ukwazisa Kungcono Kunokunikezwa & INDmoney?
Uma ufuna ukutshala imali ezimakethe zase-US, lezi yizinketho ezintathu ezidumile ozohlangana nazo kulezi zinsuku. Kodwa, umbuzo uwukuthi, yikuphi okungcono kakhulu?
Uma sibheka izici zazo zonke izinhlelo zokusebenza, khona-ke kunzima ukuthola noma yimuphi umehluko. Isici someluleki we-Robo esithuthukiswa i-Appreciate sikhona kuwo wonke amapulatifomu. Ungakwazi ngisho nokuthenga amasheya angama-fractional anoma yiziphi izitoko zase-US kuzo zontathu izinkundla.
Isici sokutshala imali soshintsho se-Appreciate siyinto ephuma ebhokisini, futhi yilokhu okushodayo ku-Vested and INDmali. Manje, kuzojabulisa ukubuka ukuthi abantu bazoncamela yini lesi sici kangangokuthi bazoshintsha ezinhlelweni zabo zokusebenza ezikhona noma cha.
Nokho, izinketho zentengo zenza umehluko kulezi zinhlelo zokusebenza. Kuthengisiwe ikhokhisa imali yokuhoxa engu-$11 futhi inikeza ukuhoxa kwamahhala ngohlelo lwayo lweprimiyamu. I-INDmoney ikhokhisa cishe u-$5 ngokukhipha ngakunye, okuyimali ephansi kakhulu ezweni. Kuze kube manje, i-Appreciate ayikasho lutho ngenkokhelo yokuhoxa okuyiyonayona, kodwa ithembisa ukwehlisa la mazinga abe emazingeni amancane kakhulu.
Uma sikhuluma ngezinsiza, zontathu izinhlelo zokusebenza zinikeza izinto zokufunda eziningi kubasebenzisi bazo. Kodwa, Yazisa ibonakala ibucayi kuleli phuzu njengoba ithembisa ukunikeza izinsiza zokufunda zama-Rs.5000 mahhala ngokuphelele kubo bonke abasebenzisi.
shiya impendulo