Ubuchwepheshe buyisihluthulelo sokukala, cishe noma yini.
Enye yezindlela ezibalulekile i-tech evumela ngayo ukukala iwukuba i-automation. Siphila enkathini, lapho singasebenzisa khona izinhlelo zokusebenza zesimanje futhi sibeke ukonga kwethu nokutshalwa kwezimali ku-autopilot ukuze ziqhubeke zikhula noma ngaphandle kokunaka kwethu.
Bengilokhu ngizenzela izici ezinkulu zebhizinisi lami nempilo isikhathi eside.
Selokhu ngaqala ukwenza imali, bengilokhu ngithola izindlela ezihlukene zokuthuthukisa nokwenza ngokuzenzakalelayo ukutshalwa kwezimali kwami, ukonga, kanye nezindleko. Ngisho nesabelomali.
Izinzuzo zokusebenzisa imali yakho ngokuzenzakalelayo ziningi, kodwa zonke zehla ngezinto ezimbili ezintathu:
- Ngeke kudingeke ukuthi utshale izimali ezimpahleni ezahlukene mathupha nyanga zonke. Kuzokwenzeka ngokuzenzakalelayo. Lokhu kusho nokuthi ususa noma yimaphi amathuba okuthi ungatshali imali kunoma iyiphi inyanga noma ukusebenzisa imali ngokweqile ibhajethi yakho. Futhi, uzobe uhlukanisa ngokwanele ukuze unciphise ukuguquguquka kuphothifoliyo yakho kakhulu uma ulandela lo mhlahlandlela.
- “Uyohlala” uvumelanisa noma wenze ngaphezu kwemakethe - ngoba ngeke uzame ukubeka isikhathi futhi unqobe imakethe.
- Asikho isidingo sokuzimisela noma isiyalo. Ungayijabulela impilo yakho, wenze okuthandayo esikhundleni sokukhathazeka ngemakethe. Ngeke idinge ukunaka kwakho noma okokufaka.
Kulesi sihloko, ngizokuhamba ngesu elilula lesinyathelo ngesinyathelo ukuze wenze ngokuzenzakalela izindlela zakho zokonga nokutshala imali.
Ngigcine lo mhlahlandlela ulula kakhulu. Ngisho noma ungenalo ulwazi, ngaphansi kwehora lokuzikhethela isonto ngalinye, ungakwazi ukusebenzisa konke lokhu kuzenzakalela futhi wenze izimali zakho zilunge.
Ngingaqinisekisa ukuthi uzokwazi ukonga futhi utshale imali eningi kunangaphambili ngokulandela leli su.
Ngaphambi kwe-automation,
Sizolungisa izinto eziyisisekelo kuqala.
Isinyathelo 1: Lungisa I-akhawunti Yakho Yasebhange
Kunama-akhawunti amaningi asebhange ama-gimmicky anikezwa amabhange azimele e-India.
Ngikhuluma ngokuthandwa kwe-HDFC Classic Noma i-Kotak Privy League.
Lawa ma-akhawunti asebhange adinga ukuthi ugcine ibhalansi ephezulu yesilinganiso esincane, kungaba nyanga zonke noma ngekota. Okuwumbhedo ngokuphelele lapho ungathola "ngcono" ngaphandle kokushiya inqwaba yemali.
Ngaphandle kwelungelo le-ICICI, ngeke ngincome ukukhetha noma iyiphi i-akhawunti yasebhange enenani eliphezulu e-India.
Ikakhulukazi i-HDFC yakudala.
Uma usabophekile ukugcina okungaphezu kuka-25,000 ku-akhawunti yakho yasebhange, udinga ushintsho.
Ngoba angifuni ukuthi uzizwe wesaba ukusebenzisa imali yakho noma ukukhokha imali eshisiwe uma ukhetha ukuyisebenzisa.
Ngakho, kulesi sinyathelo sokuqala, sizokhetha i-akhawunti yasebhange ebiza kancane, kodwa hhayi ibhalansi enguziro. Ngokuvamile, ama-akhawunti webhalansi enguziro eza nezimali ezifihliwe, ngakho qiniseka ukuthi awukhethi i-Kotak 811.
Ngincoma ukuthi ukhethe:
- I-IndusInd Indus Privilege Savings Account - cishe i-akhawunti engcono kakhulu, ngeke ibe nezindleko ezifihliwe eNdiya.
- Ilungelo Legolide le-ICICI - Uma ufuna ukubhenka ekhaya, isevisi ebalulekile egatsheni, akukho zindleko zokudluliselwa, ama-ATM, izincwadi zamasheke, ne-DD, lena i-akhawunti engcono kakhulu. Ungathola ngisho namaphoyinti e-Payback I-debit card izindleko. Azikho izindleko ze-forex.
- I-Neo bank – Fi.Money. Ngempela, uma ungumuntu oholayo futhi ongaphansi kweminyaka engama-30, amabhange e-Neo azokunikeza isevisi engcono kakhulu, akukho zindleko, kanye namathani ombuyiselo/amaphuzu omvuzo.
Ama-akhawunti amathathu asebhange angenhla - ngeke akukhokhise ngokwenziwe ngakunye kwe-IMPS, ukuthenga nge-forex, umuzwa wokugcinwa kwe-ATM, nezinye izinkokhiso ezifihliwe njengezinkokhelo zokunqatshelwa kwekhadi lakho ku-ATM. Nge-ICICI Bank, ubudlelwano bakho nebhange lakho ngokuhamba kwesikhathi buzokusiza ukuthi uthole namazinga emalimboleko akhethekile.
I-Kotak Mahindra Bank nayo iyinketho enhle, kodwa ikhokhisa amashaji athile angenzi mqondo. Futhi balokhu bengeza izindlela ezintsha zokukhokhisa amakhasimende.
Uma usebenzisa ibhange le-PSU, njenge-PNB noma i-BOI njenge-akhawunti yakho yasebhange eyinhloko, shintshela ebhange elingcono njenge-ICICI, IndusInd, noma i-Kotak imbala.
Empeleni unikela ngemali yakho kubaboleki be-NPA mahhala.
Amabhange e-PSU anezinhlelo zokusebenza eziphelelwe yisikhathi (ngaphandle kwe-SBI), isevisi yamakhasimende embi kakhulu, futhi azikho izinzuzo zokuba ikhasimende elihle (futhi, ngaphandle kwe-SBI).
Zikhona ngokuphelele izizathu zero ukukhetha ama-akhawunti asebhange ebhalansi ephezulu yanyanga zonke.
Uma usuyilungisile i-akhawunti yakho yasebhange, asiqhubekele esinyathelweni sokuqala sokuzenzakalela – ukwakha isikhwama sezimo eziphuthumayo.
Isinyathelo sesi-2: Isikhwama sakho Sezimo Eziphuthumayo
Isimo esifana nobhubhane lwe-COVID siyisibonelo esihle sokuchaza umqondo nokubaluleka kweSikhwama Sezimo Eziphuthumayo.
Ake sithi ungumsebenzi oholayo futhi lapho ukuvalwa komsebenzi ngenxa yalolu bhubhane ngo-2020 kwenzeka, ulahlekelwa umsebenzi wakho.
Uma ungenaso isikhwama sezimo eziphuthumayo, futhi ulahlekelwa umsebenzi wakho, uyadliswa. Bengikubeka kanjalo.
Kodwa-ke, uma unesikhwama sezimo eziphuthumayo, ungakwazi ukuhambisana ngokushesha nezikweletu zezinsiza, ukhokhe irenti, futhi ukhokhele ezinye izinto ezibalulekile - kuyilapho ufuna ezinye izindlela zokuqala ukwenza imali.
Futhi kubalulekile ukuqonda, ukutshalwa kwezimali kwakho kulesi simo akubhekwa njengesikhwama sakho esiphuthumayo. Bathinteka emakethe. Ezinye izitoko zakho zehle ngaphezu kuka-60% futhi isikhwama sakho sokubambisana singase singakuvumeli ukuhoxiswa kwemali ngenxa yezinombolo ezidayiswe kakhulu.
Futhi, uma uthatha ukubheja kokutshalwa kwezimali kwesikhathi eside, awufuni ukwenza imali ngalezi zimpahla esikhathini esifushane. Uzogcina ulahlekelwe futhi ukukhokha izintela phezu kwakho.
Lesi yisibonelo esisodwa nje esilula sokuthi kungani isikhwama sezimo eziphuthumayo sibalulekile. Ungacabanga ngezimo eziyikhulu ezahlukene lapho udinga khona imali, njengamanje futhi uma ungayifuni, izinto zingase zibe zimbi.
Isikhwama sezimo eziphuthumayo, ngokwencazelo, siyisamba semali osibekela eceleni lapho ungasifinyelela khona ngokuphazima kweso. Kufanele ukhiphe imali esikhwameni sakho sezimo eziphuthumayo kuphela lapho udinga ngempela ukuze, futhi ungalokothi nganoma yini enye.
Awuqali ukutshala imali uze ube nesikhwama sezimo eziphuthumayo.
Yilokho kuphela.
Okufanelekile, ungafunda izincomo ze-liquid mutual funds njengendawo ephephile yokupaka izimali zakho eziphuthumayo.
Esinye sezizathu engingeke ngituse ukukhetha Izimali Zezikweletu njengesikhwama sezimo eziphuthumayo, ukuthi aziphephile njengebhange lakho, nakuba zivikelwe kahle kakhulu ekuguquguqukeni nasekushintsheni ezimakethe.
Futhi wonke umqondo wokuba nesikhwama sezimo eziphuthumayo uthola ukufinyelela okuqinisekisiwe ezikhwameni uma ukudinga. Hhayi ngosuku, noma amahora angama-48, khona manje.
Yingakho sizogcina izimali zethu eziphuthumayo ku-akhawunti yokonga.
Kungani kune-akhawunti yokonga?
Ungakwazi ukudlulisa izimali ngokuzenzakalelayo ukuze ukhulise isikhwama sakho sezimo eziphuthumayo. Uthola isibambiso sebhange. Uzuza inzalo phezu kwakho, futhi, itholakala kalula ngaphandle kwezindleko. Ayikho imithwalo yokuphuma, intela yenzuzo, noma izikhathi zokulinda zamahora angu-48 ukuze ufinyelele izimali zakho.
Ingxenye ebaluleke kakhulu - udinga isiyalo. Kufanele uqiniseke ukuthi awusithinti isikhwama sakho sezimo eziphuthumayo ngaphandle uma kufanele.
Ukugcina isikhwama sakho sezimo eziphuthumayo ku-akhawunti yokonga nakho kusenza sifinyeleleke kalula. Kulula kangangokuthi umuntu ongenazimiso namagugu aqinile uzohoxa njalo esikhwameni sakhe sezimo eziphuthumayo.
Akufanele ukwenze lokho.
Yimalini okufanele uyifake esikhwameni sakho sezimo eziphuthumayo nyanga zonke?
Kukhona indlela yokubala ukuthi ingakanani imali okufanele ube nayo ezikhwameni zakho eziphuthumayo.
Nasi isibali sesikhwama sezimo eziphuthumayo esiku-inthanethi engikwakhele sona.
Ukuze uyibale, qala uhlaziye ukuthi yimalini izindleko zakho zanyanga zonke. Ukulinganiselwa kuzosebenza. Akudingekile ukuthi ucacise.
Masithathe u- ₹ 100,000.
Uma izindleko zami zanyanga zonke zingu- ₹ 100,000, kufanele ngibe nemali eyanele esikhwameni sami sezimo eziphuthumayo ukuze ngihlanganise izindleko ezifika ezinyangeni eziyisi-6.
Ngidinga okungenani u- ₹ 6,00,000 ku-akhawunti yokulondoloza ehlukile njengesikhwama sami sezimo eziphuthumayo.
Ngiyaqaphela kakhulu, ngakho-ke ngingathanda okungenani ukuba no- ₹ 1,200,000 ku-akhawunti yami yokulondoloza. Ukuze nje ngibe sohlangothini oluphephile futhi ngaphandle kwalokho, ngithanda ukuba nemali esandleni.
Lolu thando lwemali lwalungesinye sezizathu eziyinhloko engakwazi ukuzisebenzisa engozini kaMashi 2020 - ukuthola amadili afana no-R690 ngokwesilinganiso ku-Infosys. Ukube bengingenayo ukheshi, bekungaba ithuba kanye eshumini leminyaka engaligeja.
Ngakho, ngisho noma uzwa Ray Dalio ethi ukheshi udoti, khumbula ukuthi uthola inqwaba yemali njalo ngekota ukuze ayitshale. Ucebile ngemali. Nawe kufanele ube njalo.
Usetha Kanjani Isikhwama Sakho Esiphuthumayo
Ngincoma ukukhetha i-akhawunti yokonga ebhange njenge:
- I-ICICI - Inketho engcono kakhulu, ungasebenzisa uhlelo lwediphozi olusekelwe kumgomo we-iWish.
- I-Kotak Mahindra Bank - Izinga lenzalo ephezulu, njengoba ungeke usebenzise izimali zakho eziphuthumayo ukwenza imisebenzi yansuku zonke, akudingeki ukhathazeke ngamashaji abo.
Uma ukhetha i-Kotak Savings Account ukuze upake isikhwama sakho sezimo eziphuthumayo, yakha umyalo omile ku-akhawunti yakho yomholo noma i-akhawunti yakho yebhizinisi/yamanje ukuze udlulisele okungenani u-10% womholo wakho ku-akhawunti yakho yesikhwama sezimo eziphuthumayo.
Kufanele ukwenze lokhu kuphela uze ube nemali eyanele esikhwameni sakho sezimo eziphuthumayo ukuze usekele izinyanga eziyisi-6 kuye kweziyi-12 zobunzima.
Uma ukhetha i-akhawunti yokonga yasebhange ye-ICICI, khetha i-akhawunti yebhalansi encane. Awudingi i-akhawunti kanokusho ngale njongo. Akunangqondo ukukhokha imali yokugcina ibhalansi encane.
Ingxenye engcono kakhulu yokukhetha i-akhawunti yokonga yasebhange ye-ICICI uhlelo lwediphozi lwe-iWish.
Lena indawo ekahle yokupaka isikhwama sakho sezimo eziphuthumayo. Amadiphozithi e-iWish akusiza ukuthi wonge imali yezinhloso zesikhathi esifushane ukuya maphakathi.
Njengoba kuwuhlelo lwediphozithi, nawe uthola inzuzo yokuthola inzalo esikhwameni sakho sezimo eziphuthumayo.
Futhi uhlelo lwesikhashana, olungazibophezeli, ngakho ngeke ukhokhe noma yiziphi izimali ngokuhoxiswa ku-akhawunti yakho ye-iWish.
Misa i-akhawunti yediphozi ye-iWish ngokungena kudeshibhodi yakho ye-ICICI yasebhange.
Yisho idiphozithi yakho ye-iWish ethi “Emergency Fund” bese ufaka ngokuzenzakalelayo imali yakho yanyanga zonke lapha.
Futhi, qala ngokudlulisa U-10% womholo wakho kule akhawunti yediphozithi ye-iWish. Njengoba u-10% womholo wakho uya kule akhawunti, uzokwazi ukufinyelela umgomo wakho wesikhwama sezimo eziphuthumayo ngokushesha.
Uma ukwazi ukuxhasa sonke isikhwama sakho sezimo eziphuthumayo ekudluliseni okukodwa, kwenze. Bese udlulela esinyathelweni esilandelayo.
Noma, qhubeka ufaka njalo ngenyanga uze ufike lapho.
Uma ususilungisile isikhwama sakho sezimo eziphuthumayo, ake sidlulele esinyathelweni sesithathu sokuzenzela izimali zakho.
Isinyathelo sesi-3: Ukusetha Izimali Zakho Zomhlalaphansi + Ake Songe Enye Intela!
Isinyathelo esilandelayo ukulungisa izimali zakho zomhlalaphansi.
Ukongela umhlalaphansi kunezinzuzo ezimbili eziyinhloko:
- Wakha iqoqo lomcebo wesigaba sempilo yakho lapho uzofuna nje ukuphumula, ukuhlehla futhi uzipholele ndawana thize. Uma uhola, lesi isinyathelo esibalulekile sezezimali njengokwakha isikhwama sezimo eziphuthumayo. Ngoba uzobe ungasebenzi uma ususeminyakeni yama-60s.
- Uthola ukonga intela.
Ngokushesha nje lapho uqala ukufaka isandla esikhwameni sakho somhlalaphansi, uyoqongelela ingcebo eyengeziwe lapho ufinyelela eminyakeni engu-60.
Ukukunikeza umongo, ngiqale i-akhawunti yami ye-NPS ngokushesha nje lapho ngifika ku-18 (ngike ngaba okwenza imali online kusukela ngineminyaka engu-17). Nangaphambi kokuba ngithole i-akhawunti yami ye-Demat.
Ukube ngangiqale i-akhawunti yami ye-NPS eminyakeni emibili nje kamuva lapho ngineminyaka engu-20 ubudala, ngabe ngilahlekelwe ama-crores ambalwa enkampanini yami yomhlalaphansi.
Kunezikhwama ezintathu zomhlalaphansi engingazincoma kuwo wonke umuntu:
- I-NPS - Ibaluleke kakhulu.
- I-PPF - Iminikelo engenantela ngokuphelele, inzalo kanye nenani lokuvuthwa.
- I-ELSS mutual funds - Izinzuzo eziphezulu kanye nokonga okuncane kwentela okwengeziwe.
Kuzo zonke izinketho ezintathu ezingenhla, ngincoma. kuqala nge-akhawunti ye-NPS, bese kuba yi-PPF, futhi ekugcineni kutshalwe izimali ezihlanganyelwe ze-ELSS.
I-akhawunti ye-NPS (I-National Pension Scheme) iwuhlelo oluxhaswe yizakhamuzi ezinjengami nawe ukuze ziqale isikhwama somhlalaphansi. I-NPS isebenza njengohlelo olujwayelekile lwempesheni - utshala uze ube neminyaka engama-60 futhi uma ufika lapho, uhola impesheni nyanga zonke.
Ukuthi uzohola malini nyanga zonke ngendlela yempesheni uma ufinyelela eminyakeni engama-60 ubudala, kuncike ezintweni ezintathu:
- Uqala ngokushesha kangakanani ukufaka isandla ku-akhawunti yakho ye-NPS?
- Ufaka malini ngonyaka?
- Ingakanani imbuyiselo oyitholayo ekutshaleni kwakho kwe-NPS?
Ngakho-ke qala ukufaka isandla ku-akhawunti yakho ye-NPS namuhla futhi uyibuke ikhula minyaka yonke.
Uyivula kanjani i-akhawunti ye-NPS?
Ngincoma ukuthi uvule i-akhawunti yakho ye-NPS ngebhange lakho, ikakhulukazi uma uyikhasimende le-ICICI, IndusInd, Kotak noma le-HDFC.
Okunye, ungaphinda ukhethe i-akhawunti ye-NPS ngokuvakashela i- Iwebhusayithi esemthethweni ye-NSDL lapha. (Isixhumanisi Esiqondile Sokubhaliswa Kwe-NPS).
Kunezigaba ezimbili ze-NPS:
- Isigaba 1 - Lesi yisona ozosivula ukuze uthole impesheni kanye nezinzuzo zentela. Imali yakho ivaliwe uze ufinyelele eminyakeni engu-60 ubudala. Ungakwazi ukukhipha imali efika ku-25% ngezikhathi ezikhethekile njengemishado ngemva kweminyaka emi-3. Ku-60, ungakwazi ukukhipha i-lumpsum efika ku-60%.
I-NPS Tier 1 ifanelekela ukudonswa intela emalini efika ku-Rs 1.5 lakh ngaphansi kweSigaba 80 C kanye nokunye okwengeziwe kuka-Rs 50,000 ngaphansi kweSigaba 80 CCD (1B) soMthetho Wentela Yomholo, 1961.
- Isigaba 2 - Lena i-akhawunti yokuzithandela. Awuzitholi izinzuzo zentela nezimpesheni. Ngokuyisisekelo, ikuvumela ukuthi utshale izimali ezixhumene ne-NPS kodwa ngaphandle kwenzuzo uma i-NPS tier 1. Futhi ungakwazi ukukhipha izimali zakho nganoma yisiphi isikhathi ngaphandle kwezimali ezikhokhwayo. Izimali zakho azivaliwe.
Kukhona okunye okuhlukile kwe-Tier 2 eyisilondolozi sentela, kodwa sizokuziba ngokuphelele. Isikhwama se-ELSS senza umqondo owengeziwe ngakho.
Uma usuvule i-akhawunti yakho ye-NPS, uzodinga ukukhetha umphathi wesikhwama. Ngincoma ukukhetha okukodwa kwalokhu:
- I-HDFC - Engikukhethele mina mathupha.
- ICICI
- lic
Ngemuva kwalokho, uzocelwa ukuthi ukhethe phakathi kwezinketho ezintathu zokutshala imali:
- I-Conservative
- Lokulingene
- Ulaka
Okokuqala, khetha i-Auto Option.
Khohlwa nge-Conservative.
Bese ukhetha okumaphakathi. Kubatshalizimali abaningi, lena indlela enethemba kodwa ephephile.
Kodwa-ke, ungaphinda ukhethe okuthi I-Aggressive, njengoba isikhwama sakho se-NPS siphethwe abaphathi bezikhwama abanolwazi, futhi sibheka amashumi eminyaka ukuze lokhu kutshalwa kwezimali kukhule, ubungozi buphansi uma kuqhathaniswa.
Eminyakeni embalwa edlule, ukutshala imali ku-NPS kwakunzima kakhulu. Njengenselele ngempela. Kufanele ungene ngemvume ku-akhawunti yakho ye-PRAN, ugcwalise lawa mafomu, ukhokhe ngekhadi lasebhange noma nge-net banking kuyilapho ukhokha nenkokhiso encane.
Manje, konke kungazenzakalela.
Nge-akhawunti yakho ye-NPS, uthola ne-akhawunti yediphozithi ebonakalayo. Ibizwa nge-D-Remit. Ngale akhawunti yediphozithi ebonakalayo, uthola ukufaka isandla ku-akhawunti yakho ye-NPS ngokudluliswa kwebhange futhi uthole i-NAV yosuku olufanayo.
Lokhu kusho ukuthi ungasetha imiyalo emile nge-akhawunti yakho yasebhange ukuze unikele ku-akhawunti yakho ye-NPS nyanga zonke, ngokuzenzakalelayo.
Ungayithola kanjani imininingwane ye-akhawunti yakho ye-D-remit NPS?
Kungathatha cishe amahora angu-24 kuya kwangu-48 ukuze uthole imininingwane ye-akhawunti yakho ye-D-remit ku-imeyili yakho.
Uma usutholile lokho, dala umyalelo omile wokunikela okungenani u-5% womholo wakho njalo ngenyanga. Ngakho-ke uma wenza u- ₹ 1,00,000/ngenyanga, nikela u- ₹ 5,000 njalo ngenyanga.
Awukho umkhawulo wokuthi unganikela ngamalini ku-akhawunti yakho ye-NPS.
Kodwa ungonga kuphela kufika ku- ₹ 2,00,000 emalini ebanjwayo yentela.
Uma ungenayo into enjengemali mboleko yemoto noma imali mboleko yezindlu lapho ama-EMIs akho enyanga engaphezulu kuka-30% omholo wakho, unganikela ngo-10% womholo wakho uwonke ku-NPS.
Noma kunjalo, ngingancoma u-5%. Angithathi indlela elandelanayo.
Sizothatha indlela enzima kakhulu yokutshala imali ukuze sikwazi ukukhiqiza futhi sisebenzise enye yaleyo ngcebo namuhla, hhayi lapho sesikhulile.
Sesivele sisungule isikhwama somhlalaphansi kanye nesikhwama sezimo eziphuthumayo, ngakho manje sekuyisikhathi sokuthi sizibeke engcupheni.
Kule minyaka eyishumi edlule, izikhwama ze-NPS zenze kahle kakhulu kunezinye izikhwama zomhlalaphansi nezempesheni, zinikeza cishe u-8 kuya ku-10% imbuyiselo ngonyaka. Njengoba imali yakho itshalwe ekulinganeni futhi, uzothola inzalo engu-20%+ ngezikhathi ezithile, kodwa ungalindela I-CAGR noma kuphi phakathi kuka-8% kuya ku-12% eminyakeni eyi-10.
Ukungabi sengozini kwe-PPF kuzokutholela inzalo engu-7.1% nje kuphela futhi ngeke ukwazi ukunikela ngaphezu kuka-1.5 Lakhs ngonyaka.
Kodwa kuyindlela ephephe kakhulu ukutshala imali yakho isikhathi eside futhi wonge intela. Ungaqhubeka nokuvuselela i-PPF yakho ngemva kweminyaka eyi-15 njalo ngeminyaka emi-5 isikhathi eside ngokuthanda kwakho. Futhi yonke le mali ayikhokhi intela. Uthola ukonga ezintela namuhla nasesikhathini esizayo.
Ungakwazi ukuvula i-PPF yakho kuphela ngebhange lakho. Ngena ngemvume ku-akhawunti yakho yasebhange ye-inthanethi futhi kufanele ubone inketho ngaphansi kwesigaba sokutshala imali ukuze uvule i-akhawunti ye-PPF. Iyahlukahluka ebhange nebhange.
Ungakha imiyalo emile ukuze unikele ku-akhawunti yakho ye-PPC nyanga zonke.
Ukukhipha i-PPF yakho njalo ngonyaka - ikuvumela kuphela ukuthi ufake idiphozi efika ku- ₹ 1,50,000 njalo ngonyaka.
Uma wenza lokhu kakhulu, ulondoloza leli nani legeyimu emalini edonswayo yentela namuhla, futhi ngokuzayo lapho ulikhipha.
Sizobheka i-ELSS mutual funds lapho simisa i-akhawunti yakho yokutshala imali engxenyeni elandelayo.
Yilokho kuphela! - Siyakuhalalisela ngokuqeda ingxenye 1 yokuzenzakalela (ukulungisa okwengeziwe) izimali zakho!
Manje njengoba usune-akhawunti enhle yasebhange engayintshontshi imali yakho, isikhwama sezimo eziphuthumayo sokukukhipha ezikhathini ezinzima, kanye nesikhwama somhlalaphansi esizisebenzela ukuthi sikhule, ingxenye yesibili izogxila kakhulu ekushintsheni kwesabelomali, nasekulawuleni isikweletu sakho.
Uma unemibuzo, ungazise kumazwana.
Somnath Bhattacharyya
Isihloko esihle kakhulu mayelana nokuhlelwa kwezimali ikakhulukazi kubantu abangazi. Ngimane ngengeze amaphuzu engiwalandelayo futhi engingasiza amanye
1. Ukusebenzisa ama-savings amabili a/c ebhange elifanayo ... paka yonke imali engenayo kanye ne-investimenti evamile evela ku-akhawunti eyodwa futhi usebenzise ikhadi le-ATM lenye i-akhawunti ukuze wenze imali noma yiziphi izindleko ze-inthanethi. Ungashanela ku-akhawunti yakho yezindleko noma nini lapho kudingeka.
2. Ngokubona kwami i-App kanye nezici zebhange ze-inthanethi ezinikezwe i-ICICI iyimakethe ehamba phambili eNdiya.
Aayush Bhaskar
Hi Somnath,
Siyabonga ngokungeza inani!
Priya
Isihloko esihle, siyabonga ngokwabelana ngolwazi lwakho.
Priya
ungakwazi futhi ukwabelana ngendlela yokulandelela izindleko zakho zansuku zonke? Ngokwami, ngisebenzisa uhlelo lokusebenza lwe-Walnut.
Aayush Bhaskar
Ngisebenzisa i-Wallet ngabakwa-BudgetBakers. Lokhu bekufanele kube yindikimba yengxenye yesibili - ukungena okuningiliziwe ku-Wallet ngoba iyi-tracker yezindleko ezincane enezici eziningi zokwenza isabelomali ngokuzenzakalela kanye nebhalansi yokulandelela.