Ingabe ufuna izinhlelo zokusebenza ezingcono kakhulu ongatshala kuzo ezitokisini zase-US ezivela eNdiya?
Yize ungavula i-akhawunti yomdayisi wase-US evela e-India ngaphandle kokusebenzisa izinhlelo zokusebenza ezithile, akulula futhi kuvame ukukhathaza abantu abaningi.
Futhi akukho nzuzo ngokwenza kanjalo. Amapulatifomu nezinhlelo zokusebenza engizishilo kulesi sihloko zikuvumela ukuthi uvule i-akhawunti yokutshalwa kwezimali kwesitoko sase-US ngaphansi kwemizuzu emi-5. Akudingekile ukuba ukhathazeke nganoma iyiphi imibhalo futhi yonke ingeyedijithali.
Ngezansi kunezinhlelo zokusebenza ezi-3 ezihamba phambili zokuthenga amasheya ase-US e-India.
Ake siqale!
Kuthengisiwe
IVested cishe iyinkundla engcono kakhulu yokuthi amaNdiya aqale ukutshala imali emakethe yamasheya yaseMelika. Senze isibuyekezo esinemininingwane ku-Vested, zizwe ukhululekile ukuyihlola.
Uhlelo lokusebenza lokuqala olwenze kwaba lula ngempela kumaNdiya ukuthi athenge amasheya ase-US. Ezinye izinkampani zeFintech zalandela uhlelo lomdlalo olwabekwa yiVested.
I-Vested yaqalwa ngo-2018 nguViram Shah.
Iza kukho kokubili uhlelo lokusebenza lwewebhu kanye nezinhlelo zokusebenza ze-smartphone. Uhlelo lokusebenza lwewebhu lungcono kancane kunohlelo lokusebenza lwe-smartphone njengoba ungakwazi ukubuka amashadi futhi uqhathanise izitoko ezimbili ngombono ongcono kakhulu, obanzi.
Ezinye zezici ezibalulekile ezinikezwa yi-Vested:
- Ukutshala imali kwekhomishana engu-Zero, akukho mali ye-brokerage
- Ukuthengwa kwezingxenye ezithile kwezitoko zase-US
- Ibhalansi encane eyiziro
- Isiphakeli sedatha ebukhoma
- Kuze kube manje, ideshibhodi yephothifoliyo ehamba phambili
- Umuzwa wokuvula i-akhawunti ngokushesha
- Iphothifoliyo ekhethiwe esekelwe kuphrofayela yobungozi bomtshali-zimali
- Amadokhumenti entela – into ezinye izinhlelo zokusebenza ezinganikezi nhlobo.
I-Vested iphinde ibe sobala kakhulu kunezimbangi zayo ze-fintech. Uma kuqhathaniswa nakho kokubili i-Grow ne-Indmoney, i-Vested inamadokhumenti asekelayo nezincazelo mayelana nemibuzo eminingi ebalulekile kanye nemibuzo engasho lutho ongase ube nayo.
Ngiyawathanda amathuluzi okutshala imali ahlinzekwa yi-Vested. Enye, ikakhulukazi, ibizwa ngokuthi "amaVest".
Ama-Vests ayisethi yamaphothifoliyo akhethiwe asekelwe kuphrofayela yakho engcuphe akuvumela ukuthi utshale ezinkampanini ezikhethwe ama-cherry emikhakheni ehlukene ngochwepheshe abagunyaziwe. Lawa amaphothifoliyo asekelwe emigomweni. Lokhu kusho ukuthi uma ufuna imbuyiselo ephezulu yemigomo yesikhathi esifushane, ungakhetha ama-vesti anolaka embonini ye-SaaS.
Ngokufanayo, uma ungumuntu othanda i-Warren Buffet kakhulu njengami, ungatshala imali ku-Moat Vest. Izinkampani ezisohlwini lwale phothifoliyo ye-Vest zinkulu futhi zine-Moat evimba izimbangi zazo. Ngakho-ke ungalindela ukubuyisela okuqhubekayo phakathi neminyaka.
Ungafaka i-USD ku-akhawunti yakho Yezimali usebenzisa I-International Money Transfer evela kumabhange amaningi aseNdiya. Ngingayincoma i-HDFC nakuba inezindleko eziphansi zokudlulisa zaphesheya.
Uzokhokhiswa u-$11 ngokukhipha ngakunye. Le nkokhelo ilungisiwe, kungakhathaliseki ukuthi ukhipha malini.
Ngincoma ukuthi uqale nge-Vested futhi ucabangele ezinye izinhlelo zokusebenza kuphela uma uhlangabezana nephutha elingakwazi ukuxazululwa ithimba labo losekelo.
Joyina ophathisiwe futhi uthole u-$10 njengomvuzo webhonasi uma i-akhawunti yakho ivunyiwe.
Funda isibuyekezo sethu esigcwele se-Vetsed.
INDmali
Uma ufuna indlela esheshayo yokuqala ukuthenga amasheya ase-US, i-INDmoney iyisinqumo esihle.
Vele ufake uhlelo lokusebenza lwe-INDmoney bese uvule i-akhawunti yakho yokutshala imali yesitoko sase-US ngokuchofoza oku-3. Kwenzeka ngokuphazima kweso futhi usulungele ukufaka imali ngokushesha futhi.
I-INDmoney empeleni iwuhlelo lokusebenza lokulandelela iphothifoliyo nokuphathwa kokutshalwa kwezimali. Ikuvumela ukuthi ubuke zonke izimali zakho ozitshalile kuhlanganise namasheya, izimali zomphakathi, izindlu ezithengiswayo, i-PPF nokunye okuningi kumbono ohlanganisiwe.
Banikeza i-akhawunti enkulu yokutshalwa kwezimali kwesitoko sase-US futhi. Isanda kuthuthukiswa ngesixhumi esibonakalayo esisha esibukeka futhi sizwakala sisihle. Uyakwazi ukuphequlula amasheya aphezulu, abalahlekelwe kakhulu / abazuzayo, izinkampani zokuhlunga ngokusekelwe emikhakheni yazo njalonjalo.
Ezinye zezizathu zokuthi kungani ngincoma i-INDmoney:
- Umuzwa wokuvula i-akhawunti osheshayo. Kuthatha ngaphansi kweminithi ukuthi usithengele isitoko nge-INDmoney.
- Izindleko zokuvula nokulungisa i-akhawunti azikho
- I-UI ehlanzekile, umuzwa omuhle kakhulu
- Amakhomishana ayiziro
Uma uzokhetha noma yiziphi izinhlelo zobulungu ezihlinzekwa yi-INDMoney, uthola nokwelulekwa mayelana nezitoko zase-US. Iseluleko mayelana nokuthi yimuphi umkhakha omuhle, idatha yezezimali mayelana nenkampani, kanye nokwelulekwa ngentela ezinye zezinzuzo ezinikezwa i-INDmoney kumalungu ayo akhokhelwayo.
I-INDmoney ikhiphe isici esisha esivumela abasebenzisi bayo ukuthi bavule i-akhawunti yokonga yedijithali ebizwa ngokuthi IND Super ngokubambisana nebhange le-SBM. Okujabulisa kakhulu ukuthi manje awudingi ukukhokha noma yiziphi izindleko ukuze udlulisele izimali ku-akhawunti yakho yesitoko yase-US. Futhi bathi banikela ngezinga lokuguqulwa elingcono kakhulu le-INR ukuya ku-USD, engithola linembile impela.
Futhi enye into, ungaxhasa nge-akhawunti yakho ye-IND Super nge-UPI. Khuluma ngokwenza lokhu kube lula.
Bheka ukubuyekezwa okuningiliziwe kwe-INDMoney lapha.
Khula
I-Groww ngolunye uhlelo lokusebenza oluhle lokuthenga amasheya ase-US.
Ingolunye lwezinhlelo zokusebenza engizikhonzile zokutshala imali, ikakhulukazi ngenxa yokusebenzelana kwayo nolwazi olubushelelezi.
Usebenzisa i-Groww, ungatshala imali esitokweni samaNdiya, izimali zomphakathi, FDs, Gold kanye ne-US Stocks. Naphezu kokuba nezici eziningi nezinkundla zokutshala izimali eziningi ezihlanganiswe endaweni eyodwa, i-Groww izinze kakhulu.
Akuvamile ukwehla, ngokungafani noZerodha.
I-Groww ikuvumela ukuthi uvule i-akhawunti yokutshala imali yase-US ngokubambisana nezibambiso ze-ViewTrade.
Kungathatha cishe izinsuku ezi-2 kuya kweziyi-7 ukuze i-akhawunti yakho yokutshala imali yase-US ivuleke, futhi i-Groww inobudlabha ngempela kulo mnyango. Ngithole ukuthi thintana nosekelo lwe-Groww ngokushesha nje uma ufaka isicelo lwenza yonke inqubo isheshe kakhulu.
Endabeni yami, kuthathe izinsuku ezingaphezu kwezingu-2 ngakho ngafinyelela eqenjini le-Groww. Futhi phakathi namahora angu-5 i-akhawunti yami yayisilungile.
I-Groww inikezela ngamashadi ajulile ukuze ikusize uhlaziye inkampani otshala kuyo imali. Iphinde ikubonise ama-ETF anconyiwe kuye ngesitoko osipheqululayo.
Okuwukuphela kwenkinga nge-Grow ukuthi basha kakhulu kulesi sikhala. Izitoko ezithile nama-ETF awalandwa usesho lwe-Groww. Njenge-ETF engiyithandayo, i-Schwab Broad Market (SCHB). Ekugcineni ngikwazile ukuyithola kodwa ngisebenzisa umucu we-URL, hhayi ibha yokusesha.
Kodwa kunezinzuzo ezithile zokusebenzisa i-Groww, njengezinkokhelo zero ekuhoxisweni kokuqala, bese kuba ngu-$ 9 ngokuhoxiswa ngakunye, okuphansi kakhulu embonini.
Azikho izindleko zokuvula i-akhawunti noma ukulungisa. Futhi, uthola u-$10 uma uxhasa ngezimali i-akhawunti yakho ye-brokerage yase-US okokuqala ngqa.
I-Groww inezitoko eziningi kakhulu ezisohlwini (2800+) uma kuqhathaniswa ne-Vested (1400+).
Yilokho kuphela.
Ngethemba ukuthi ulutholile uhlelo lwakho lokusebenza oluncamelayo ukuqala ukutshala imali emakethe yamasheya yase-US.
Ungathanda futhi ukufunda Ungatshala Kanjani Emasheya ase-US avela eNdiya.
Avni
Sawubona Aayush, ngiyazibuza nje. Ingabe kunengqondo ngempela ukutshala izimali ezitokisini zase-US nhlobo, uma kubhekwa izimali ezihilelekile? Ngisho noma 0 ikhomishini usazolahlekelwa ekuguquleni nasekudluliseleni izimali (futhi ukuhoxiswa), akunjalo?
Futhi, ingabe unayo imibono mayelana nenketho yokutshala izimali emhlabeni jikelele ye-HDFC?
Aayush Bhaskar
Hi Anvi,
Empeleni, uma ungakhokhelwa ngokuqondile umqashi wase-US noma ungenise imali eqondile evela ezifundazweni, kunengqondo engasho lutho. Kukhona ezinye, izindlela ezingcono zokuhlukanisa. SingamaNdiya, sinomfutho oqinile kuMnotho wamaNdiya.
Futhi lokho kubukeka kuwubuwula kimi. I-Stockal (i-HDFC Sec. ebambisene nabo) ayiqhudelani ne-INDMoney noma i-Vested.
Akshay Dhar Dwivedi
Ngiyaqala ngqa ukutshala imali emakethe yamasheya emhlabeni jikelele, thola le bhulogi iwusizo kakhulu.
Cheers!
Anurag Zingade
Sawubona Aayush,
Ngingusolwandle futhi ngiphinde ngitshale imali okokuqala esitokweni. Bengifuna ukwazi ukuthi noma iyiphi yalezi zinhlelo zokusebenza zewebhu ezi-3 eziphezulu (Vested, IND money & Groww) inezinketho zoxhaso ezivela ebhange lase-US. Noma ungaphakamisa olunye uhlelo lokusebenza olusebenziseka kalula futhi oluqondakala kalula kumuntu osanda kuhlanganyela njengami kule ndawo lapho engingasebenzisa khona ibhange laseMelika ukuxhasa i-akhawunti ukuze ngithenge amasheya ase-US.
Ngiyabonga,
Anurag
Aayush Bhaskar
Sawubona Anurag,
Ngiyakwazi nje ukucabanga ukuthi ukuphila kwakho kujabulisa kangakanani!
Embuzweni wakho - ungaxhasa ngezimali i-akhawunti yakho ye-Vested usebenzisa noma iyiphi i-akhawunti yasebhange okungeyona eyaseNdiya, ngokuthumela incwadi elula.
Anurag Zingade
Sawubona Aayush,
Siyabonga ngempendulo yakho esheshayo futhi yebo njengomgibeli wasolwandle siyakwazi ukubona izindawo abantu abangazisebenzisa ukuze bafike lapho.
Mayelana nombuzo wami, benginethemba lokuthi ngeke ngenze ukudlulisa imali ngoba ngale ndlela ngigcina ngiguqula inani eliguquliwe ukusuka ku-USD ukuya ku-INR ukuya ku-USD futhi futhi ngilahlekelwe yizinga lokushintshanisa imali elivame ukuba ngaphansi kunezinye izinhlelo zokusebenza zezinkampani zangaphandle futhi kuzothatha ezinye ezi-3. - Izinsuku zebhizinisi ezi-3 zokuguqula imali. Ukuxhumanisa ibhange lase-US noma ikhadi le-ATM elinebhalansi ye-USD ezinhlelweni zokusebenza zokuthenga isitoko kuzonciphisa lesi sikhathi futhi kulondoloze namazinga okushintshanisa imali. Ngiqonda ngokuphelele ukuthi lezi zinhlelo zokusebenza ezabantu baseNdiya abane-akhawunti yasebhange yamaNdiya. Mhlawumbe ukusesha uhlelo lokusebenza olwenziwa e-US kungaba ukubheja okungcono kakhulu ongakufaka ezitokweni zase-US. Uma kwenzeka wazi okuthile okungasiza abantu abafana nathi ngicela ungazise. Siyabonga ngesikhathi sakho. 🙂
Aayush Bhaskar
Uma kunjalo, ngingakhetha i-akhawunti ye-brokerage ye-Charles Schwab International. Ngiye ngaba nakho okumangalisayo ngabo.
ama-stockinbulls
Siyabonga ngolwazi, Aayush. Iyibhulogi ehamba phambili kwezezimali eNdiya. Ngihlala ngibheka okuthunyelwe kwamabhulogi akho Ngempela, ibhulogi efundisa kakhulu eNdiya iyayithanda indoda.