Ochwepheshe bemakethe bakholelwa ukuthi u-2021 kuzoba unyaka omuhle kakhulu emakethe. Sekuvele kuphezulu, i-Sensex kulindeleke ukuthi ifinyelele ku-50,000 kanye ne-Nifty ku-15,000 ekupheleni kwalo nyaka. Izinkomba zizofuna amarekhodi aphezulu ngo-2021.
Unyaka ka-2020 bekungomunye weminyaka eguquguqukayo kakhulu emakethe ngenxa yalolu bhubhane. Imakethe yabona iminyaka yenkunzi nebhere kodwa yagcina iphila ngesikhathi sezinkunzi.
Bobabili i-BSE Sensex kanye ne-Nify 50 bahlele ukululama okuhlakaniphile naphezu kokuvalwa kwezwe. Ukugeleza kwe-liquidity okuqinile emakethe kugcine kuyinzuzo yazo zombili izinkomba.
I-Sensex ikhule ngo-14.8% kwathi i-Nifty 50 ngo-14%.
Ngokumaketha kuyadlondlobala, kuyithuba elihle kakhulu lokuthi abatshalizimali batshale imali ekhulayo ye-mutual funds.
Yiziphi Izimali Zokusebenzisana?
Izimali ezihlanganyelwe ziyizikhwama ezivulekile eziphethwe ngokomsebenzi. Bahlanganisa imali kubatshalizimali abaningi ndawonye ukuze bathenge izibambiso.
Ama-mutual funds amakhulu angenye yezinketho eziphephe kakhulu zokutshala izimali. Ngokusho kwe-SEBI, lezi zimali zitshala ubuncane obungu-80% wezimpahla zayo ngokulingana namathuluzi ahlobene ezinkampani ezinemali eshisiwe nezinedumela elihle.
Banokulingana komkhiqizo okuthembekile, inzuzo yokuncintisana, ibhalansi eqinile, ukufinyelela kalula kuzo zonke izinsiza kanye nemodeli yebhizinisi esimeme.
Lezi zinkampani ngokuvamile zenza inzuzo engashintshi futhi zijabulela ukwethembeka kwamakhasimende. Yilokhu okubenza bakwazi ukumelana nezimo zezomnotho nezezimali, ngakho-ke, izindlela eziphephile zokutshala izimali.
Uma kucatshangelwa amapharamitha wokubuyisela engozini, ukubuyisela kungase kungabi phezulu kakhulu kodwa kuyahambisana. Basiza ekuqukethe ubungozi ngesikhathi semakethe eguquguqukayo uma kuqhathaniswa nontanga yabo abancane.
Izimali ezinkulu zifanelekile uma ubheke ukuthola ukukhula okuzinzile kwemali engenayo yemali esikhathini eside. Ziyizimali eziphephe kakhulu esigabeni sokulingana.
Abaphezulu abangu-8 benza i-mutual fu enkuluIzinzuzo zokutshala imali ngo-2021 yilezi -
I-Axis Bluechip Fund:
Ngenzuzo yonyaka engama-22.91%. I-Axis Bluechip Fund ihlose ukwedlula ukusebenza kwebhentshimakhi yezimali ezihlanganyelwe.
Noma iza ngaphansi kokutshalwa kwezimali okuyingozi, bahlose ukugcina ubungozi buphansi kunophawu olubekiwe. Iphethe izimpahla ezihlukile ezinezinzuzo zekilasi.
Ngokuhambisana nalokho, banamandla okushaya ukwehla kwamandla emali kanye nokwenza inzuzo yesikhathi eside. Njengenye yezimali ezihlanganyelwe eziphezulu ongatshala kuzo, kuyisinqumo esifanele kubatshalizimali ukufeza izinhloso zabo zezimali ezihlosiwe zonyaka ka-2021.
Uhlelo oluncane lokutshala imali oluhlelekile (i-SIP) lwe-Axis Bluechip luyi-Rs. 500. Inophansi isilinganiso sezindleko kokungu-0.51%, okuveza ukuthi izimpahla ezimbalwa zisetshenziselwa izindleko zokuphatha nezokusebenza.
Ngezansi ishadi lokukhula le-Axis Bluechip Fund elivela ku-moneycontrol.com.
Kotak Bluechip Fund:
Ngembuyiselo yonyaka engu-25.28% kanye nesilinganiso sezindleko esingu-0.96%, Kotak Bluechip Fund kuthathwa njengokutshalwa kwezimali okuphephile okungabekezelela ukwehla komnotho. Izinzuzo zabo zeminyaka emi-3 neminyaka emi-5 ziphakeme kunembuyiselo emaphakathi yesigaba, okuyenza ibe inketho yokutshala imali ephusile.
Lesi sikhwama sine-SIP encane yama-Rs. 100. Ukwenza izinto zibe lula futhi ziqondakale, uma kucatshangelwa izinga lokubuya lika-25.28%, ama-Rs. I-100 etshalwe njalo ngenyanga ngonyaka odlule izokhipha ama-Rs. 1,333 namuhla.
U-98% we-Kotak Bluechip ephethwe yimpahla, kanti enye esele iyimali - i-HDFC Bank Ltd., i-Infosys, ne-Reliance iyimpahla engu-3 ephezulu.
Ngezansi ishadi lokukhula le-Kotak Bluechip Fund kusuka kuCoin ngo I-Zerodha.
Isikhwama se-SBI Bluechip Fund:
Ithole imbuyiselo yonyaka engama-27.52%. Isikhwama se-SBI Bluechip inosayizi wesikhwama wama-Rs. 25,925 Kr.
Ingenye yezikhwama zenkanyezi esigabeni se-mutual fund, enikeza amathuba amahle okutshala izimali zesikhathi eside nembuyiselo.
Isilinganiso sezindleko ze-SBI Bluechip Fund singu-1.03%, kanti ubuncane be-SIP bungu-Rs. 500. Lesi sikhwama sino-99.6% wokubamba kwaso ngokulingana, kanti i-HDFC Bank Ltd., i-ICICI, kanye ne-Infosys yizona ezihamba phambili.
Ngezansi ishadi lokukhula le-SBI Bluechip Fund kusuka kuCoin kaZerodha.
I-ICICI Prudential Bluechip Fund:
I-ICICI Prudential Bluechip Funds ungomunye wabadlali abangaguquguquki esigabeni esikhulu sesikhwama sokubambisana. Ngosayizi wesikhwama omkhulu wama-Rs. 26, 541 Cr., imbuyiselo yaminyaka yonke efanayo ingama-24.36%.
Lesi sikhwama sikwazile ukwedlula i-benchmark esikhathini eside. Inikeze ama-21% uma kuqhathaniswa no-16% wezinga eminyakeni emi-5. Futhi uhlinzeke ngo-18% uma kuqhathaniswa no-11% walokho eminyakeni eyi-10.
Isilinganiso sezindleko asiphezulu kakhulu futhi, simi ku-1.22%. Kodwa-ke, ukuhlukana kwabo kokutshalwa kwezimali kubandakanya isikweletu esingu-1.1%, ukheshi ongu-3.5%, kanye nokulingana okungu-95.4%. Izimali eziphezulu eziphethwe yi-HDFC Bank Ltd., i-Infosys, ne-ICICI Bank Ltd.
Inani elincane le-SIP lingama-Rs. 100, nomphathi wesikhwama elandela izilinganiso ezikhangayo.
Uma kucatshangelwa lokhu okungenhla, kungenye yezinketho ezinhle kakhulu zokutshala imali zika-2021.
Ngezansi ishadi lokukhula le-ICICI Prudential Bluechip Fund kusuka kuCoin kaZerodha.
I-Canara Robeco Bluechip Fund:
Ngembuyiselo yonyaka engu-30.17%, ingozi emaphakathi, inketho yokutshala imali yesikhathi eside.
Njengoba izimbuyiselo zabo zonyaka ongu-1, iminyaka emi-3, kanye neminyaka emi-5 ziphakeme kunembuyiselo emaphakathi yesigaba; inenzuzo ephezulu yesikhathi esizayo.
I-Canara Robeco Bluechip Fund yenze kangcono kune-benchmark futhi iyitshalomali ekahle yeminyaka engu-3+ yesikhathi, ukuze kube nobufakazi bokukhula okuphezulu.
Banesilinganiso sezindleko eziphansi esingu-0.66% futhi bayisikhwama samasheya esisafufusa. Inani eliphansi le-SIP lalesi sikhwama esihlanganyelwe ngu-Rs. 1,000, no-95.3% wokuhlaziya kwabo okunikezelwe ekulinganeni.
Amasheya abo aphezulu angu-4 yi-HDFB Bank, i-Infosys, i-ICICI Bank, kanye ne-Reliance Industries.
Ngezansi ishadi lokukhula le-Canara Robeco Bluechip Fund kusuka kuCoin ka-Zerodha.
Isikhwama se-Mirae Asset Large Cap:
Ngembuyiselo engu-24.80% yonyaka owodwa, Isikhwama se-Mirae Asset Large Cap ingesinye sezikimu ezisezingeni eliphezulu ze-mutual fund e-India.
Bangabadlali abavelele abayivelakancane futhi bakwazile ukuletha imbuyiselo esele elungiswe ubungozi eminyakeni edlule. Basebenze kangcono kunabanye uma beqhathaniswa nebhentshimakhi yesigaba samakepisi amakhulu.
Esikhathini esidlule sonyaka owodwa, iminyaka emi-1 kanye neneminyaka emihlanu, uhlelo lukwazile ukunikeza u-3%, 5 % kanye no-11.8%, ngokulandelana.
Isilinganiso sabo sezindleko siphansi njengo-0.55%, sikhiqiza u-12.3%, 7.3% no-10.4%, ngokulandelana, eminyakeni engu-1, 3, ne-5.
Ngezansi ishadi lokukhula le-Mirae Asset Large Cap Fund evela ku-moneycontrol.com.
Isikhwama Semali Esikhulu se-BNP Paribas:
Ngenzuzo yonyaka engama-23.94%, Isikhwama Semali Esikhulu se-BNP Paribas inokusebenza okungaphezu kwesilinganiso okucatshangelwa imbuyiselo, ubungozi, nokungaguquguquki.
Banesilinganiso sezindleko esingu-1.03% kanye nenani elincane le-SIP lama-Rs. 300. Ezinye zezimpahla eziphezulu ze-BNP Paribas yi-HDFC Bank, i-ICICI Bank, i-Infosys, i-Reliance Industries, i-Kotak Mahindra Bank, i-Bharti Airtel, i-TCS kanye ne-Hindustan Unilever.
Uma ungumtshali-zimali ofuna imbuyiselo ephezulu ngokutshala imali yakho iminyaka emi-3-4 ubuncane, lena inketho efanelekile kuwe.
Isilinganiso sembuyiselo ye-mutual fund yale mali enkulu ibonwa ku-22.94% uma kuqhathaniswa nesilinganiso sesigaba esingu-21.95% - okwenza ukutshalwa kwezimali kube ukukhetha okufanele kakhulu.
Ngezansi ishadi lokukhula le-BNP Paribas Large Cap Fund kusuka kuCoin kaZerodha.
Isikhwama esikhulu se-Edelweiss:
Ngesu lokutshala imali lokukhetha izitoko ezinenani elifanele ezinembuyiselo engaphezu kwesilinganiso, Izimali ezinkulu ze-Edelweiss hlinzeka ngembuyiselo yonyaka engama-24.98%.
Inani labo elincane le-SIP linenani lama-Rs. 500 ngesilinganiso sezindleko esingu-1.05%.
Izimali zabo eziphezulu zihlanganisa izinkampani ezihlonishwayo njenge-HDFC Bank, i-Bharti Airtel, i-Reliance Industries, i-ICICI Bank, i-Infosys, i-SBI, i-Axis Bank, nezinkampani ezingena ngaphansi kwezinkampani eziphezulu ezingu-100 ezisohlwini lwase-India ngemali yemakethe.
Kufanele utshale imali kulesi sikhwama sokubambisana uma ubheke ekwakhiweni kwengcebo esikhathini eside esiyiminyaka emi-5 nangaphezulu.
Ukuhlaziywa kwephothifoliyo yabo ehlakaniphe emkhakheni kukhombisa ukuthi iningi lempahla yabo ingeyezinkampani zezinsizakalo zezezimali, izinkampani ze-IT, imboni ye-Pharma, kanye nezimpahla zabathengi. Zonke lezi zimboni ziyadlondlobala, okwenza isikhwama sokubambisana sibe yisinqumo esihle kakhulu sokutshala imali kuso.
Ngezansi ishadi lokukhula le-Edelweiss Large Cap Fund kusuka kuCoin kaZerodha.
I-EndNote:
Izimali ezibalulwe ngenhla ziyinketho engcono kakhulu uma ubheke ukutshala izimali ezihlanganyelwe ngonyaka ka-2021.
Kodwa-ke, kungaba ngcono uma ukhumbula ukuthi awukhethi izimali ezinkulu ngokubheka umbono wemakethe wesikhathi esifushane, ungayinaki ukwabiwa kwempahla yakho, udlulisele ukungaboni ngaso linye ezilinganisweni zenkanyezi, kuye kuphela ngamarekhodi esikhathi esidlule we-MF, ngokunganaki izici zekhwalithi ze-mutual fund nokuthembela kakhulu eselulekweni somndeni nabangane.
Qinisekisa ukuthi uzenzela esakho isinqumo ngemuva kokwenza ucwaningo olunzulu mayelana nesikhwama esithile sokubambisana ofuna ukutshala kuso.
Ngisho noma izimali ezihlangene zibhekwa njengokukhetha okuphephile, ziyaguquguquka futhi zingaba yingozi, futhi.
Khetha kuphela uma uqinisekile ngamaphesenti ayikhulu nge-MF ofuna ukutshala kuyona, ngemuva kokucabangela yonke imininingwane izici zekhwalithi nenani okufanayo.
shiya impendulo