Izidingo zakho zezimali ziyakhula njengoba ukhula, futhi kungazelelwe uthole ukuthi iholo elimisiwe lanyanga zonke ngeke lanele ukukhokhela yonke into.
Uzodinga isu lokutshala imali elihlakaniphile elihlinzeka ngemali eyanele lapho kudingeka futhi wenze imisebenzi yakho ngenkathi ungekho.
Izimali ezihlanganyelwe ziphakathi kwamathuba amahle kakhulu okutshala imali, ongayikhetha ngokusekelwe esikhathini sakho kanye nesifiso sokudla engcupheni.
Kodwa ukwazi kanjani ukwenza lokhu? Ake sikuhlole.
Yiziphi Izimali Ezihlanganyelwe?
Ithuluzi lezezimali elibizwa nge-mutual funds liqoqa imali kubatshalizimali abambalwa. Ngemva kwalokho, izimali ezihlanganisiwe ziba izimali ezimpahleni ezifana nezitoko zenkampani ezisohlwini, amabhondi ezinkampani, amabhondi kahulumeni, nezibambiso ezidayiswayo.
Njengomnikazi wamasheya, awuyena umnikazi wangempela wezabelo zenkampani ezithengwa yi-mutual funds. Kodwa-ke, uhlukanisa ngokulinganayo noma yiziphi izinzuzo noma ukulahlekelwa nabanye abatshalizimali be-pool. Lena yindlela i-mutual fund kanye negama elithi “mutual” ahlobene ngayo.
Uyazuza kokuhlangenwe nakho komphathi wesikhwama kanye nokuphepha kokulawula kwe-Securities Exchange kanye neBhodi lase-India (SEBI). Umphathi wesikhwama sochwepheshe wenza isiqiniseko sokuthi abatshalizimali bathola imbuyiselo ephakeme kakhulu ngangokunokwenzeka.
Izindlela Zokutshala Ku-Mutual Fund Yabantu Abaholayo
Namuhla, ukutshala imali kuma-mutual funds kulula kakhulu ngenxa yobuchwepheshe; ngokusekelwe ezinsizeni zakho ezingcono kakhulu ezitholakalayo, ungatshala ngezindlela eziningi:
Ukutshalwa Kwezimali Okuqondile
Ungakwazi ukushiya ifomu eligcwaliswe ngendlela efanele ehhovisi lomnikezeli wesikhwama esihlangene esifanelekile. Ungakwazi futhi ukuphrinta uhlelo futhi ulugcwalise ngokucophelela. Nokho, ngaphambi kokuletha isheke, kufanele ufunde isivumelwano ngokucophelela.
Ukutshala imali ku-Mutual Fund ngemodi ye-inthanethi
Udinga kuphela uxhumano lwe-inthanethi kanye nedivayisi yeselula ukuze utshale imali ku-inthanethi. Izinketho eziningi zikusiza ukuthi ukhethe isikhwama sokubambisana esingcono kakhulu kuye ngokubekezelela kwakho ubungozi, izinjongo, nokunye okucatshangelwayo.
Ungonga isikhathi namandla ngokusebenzisa enye yezinkundla zokutshala izimali eziku-inthanethi ezihlukahlukene ezifinyelelekayo. Udinga kuphela ulwazi lwekhadi lakho le-PAN, ulwazi lukamazisi, kanye ne-akhawunti yasebhange esebenzayo ukuze uxhumane nenkampani yesikhwama sokubambisana.
Nge-Akhawunti Ye-Demat
Ungatshala imali futhi usebenzise i-mutual fund usebenzisa i-akhawunti yakho yasebhange yamanje kanye ne-akhawunti ye-Demat. Umthengisi wakho wamasheya kufanele abe umsabalalisi onelayisensi ye-mutual funds ukuze anikeze isevisi.
Ukuze utshale imali, kufanele ungene ngemvume ku-akhawunti yakho ye-Demat futhi useshe inketho yokutshala izimali ezihlangene. Ukutshalwa kwezimali kufanele kuqedwe ngokwenza ukudluliselwa kwemali ku-inthanethi.
Sincoma ukuqala I-Zerodha.
Ngama-Agent
Ukutshala imali ngama-agent kuyisu elide, eliyisicefe, futhi elibizayo okufanele lishaywe indiva. Ukukusiza ekwenzeni isinqumo sakho nokugcwalisa ifomu elidingekayo, shayela i-ejenti. Ama-ejenti angaphinda afune ikhomishini ngezinkonzo zabo.
Manje banamagajethi edijithali abangase bawasebenzise ukuze bakusize ugcwalise amafomu ngekhompyutha futhi wenze i-akhawunti yakho isebenze ngokushesha. Kodwa-ke, kufanele uqiniseke ukuthi i-ejenti iyiqiniso.
Izinzuzo Zokutshala Ezikhwameni Ezihlanganyelwe
Ukuze kuhlangatshezwane nezinhloso zazo zonke izinhlobo zabatshalizimali, ngaphezu kwe-8000 yezimali ezihlanganyelwe ziyatholakala ezigabeni ezahlukahlukene. Izimali ezihlanganyelwe zifanele wonke umuntu uma zinikeza inhlanganisela enhle yenzuzo, umholo, nokuvikeleka.
Izinzuzo zokutshala izimali kuma-mutual funds zimi kanje:
Ukuphathwa Kwemali Okungcono Kakhulu
Iqembu lochwepheshe liphatha imali oyiqoqile. Ngakho-ke ungazuza eselulekweni sochwepheshe lapho wakha ingcebo. Nini ukukhetha amasheya, izimboni, ukusatshalaliswa, kanye nokuthenga nokudayisa ama-oda, umphathi wesikhwama wenza ucwaningo olunzulu.
eziphansi
Izimali ezihlanganyelwe ngokungangabazeki ziyithuluzi lokutshalwa kwezimali ukonga kakhulu uma kucatshangelwa izinzuzo zolwazi, ukwehlukahlukana, nezinye izindlela zembuyiselo. Kodwa-ke, isilinganiso sezindleko singaphansi kwe-cap yokulawula engu-2.5%.
Inketho ye-SIP
Ukuvumelana nezimo kohlelo lokutshalwa kwezimali oluhlelekile kukuvumela ukuthi wenze ukutshalwa kwezimali ngezikhathi ezinqunywe kusengaphambili, njengeviki, ngekota, noma nyanga zonke. Nge-Rs. 500, ungaqala ukutshala izimali ezihlangene.
Isikhungo sokushintsha izimali
Ezinye izimali ezihlanganyelwe zikuvumela ukuthi udlulisele izimali uma unganelisekile ngokusebenza kwesikimu se-mutual fund. Nokho, kufanele unyathele ngokucophelela lapho ukhetha ukunyakaza.
Izinzuzo Zentela
Ungonga imali ezintela futhi wakhe ingcebo ngokutshala imali ku-ELSS isikhwama sokubambisana esonga intela. Ngaphezu kwalokho, ungase ufune ukudonswa imali kuze kufike ku-Rs. 1,50,000 ngonyaka ngaphansi kweSigaba 80C somthetho Imali yentela Isenzo.
Izimali Ezinhle Kakhulu Zokubambisana Zabantu Abaholwayo
Manje njengoba sesifundile mayelana ne-mutual funds, singaxoxa ngokuphephile ngezimali ezihlanganyelwayo ezingcono kakhulu zabantu abaholayo ukuze sithole amaholo aphezulu ngobungozi obuncane:
I-HDFC Arbitrage Fund
I-HDFC Arbitrage Fund igxile emathubeni e-arbitrage avela kukheshi nokuphuma kokunye kwezezimali.
Enye yezindlu ezinkulu ze-mutual fund yase-India, i-HDFC Asset Management Company, eyasungulwa ngoSepthemba 2007, iyakunikeza. Lesi sikhwama sokubambisana siwela ngaphansi kwesigaba se-arbitrage futhi sivulekile.
I-Hybrid HDFC Arbitrage Fund ithanda izinkampani ezimaphakathi. Iphothifoliyo yakhiwe ngokuyinhloko yizikweletu kanye nezibambiso zemakethe yemali, kanye nemikhiqizo ehlobene ne-equity eyenza cishe u-2/3 wengqikithi. Ungafaka isicelo se-HDFC Arbitrage fund online futhi ungaxhunyiwe ku-inthanethi.
Ngokwengxenye enkulu, lesi sikhwama siphumelele kakhulu ekubuyiselweni kwesilinganiso futhi siyisinqumo esiqinile kubatshalizimali besikhathi eside abafisa ukuhlela umhlalaphansi wabo, ukuthenga ikhaya, ukushada, noma ukuba nezingane.
Nokho, ngaphambi kokutshala izimpahla eziyingozi njenge-mutual funds, kufanele uhlale ukhuluma nomeluleki wakho wezezimali.
I-ICICI Prudential Regular Savings Fund Direct-Growth
Uhlelo lwe-ICICI Prudential Mutual Fund lwe-Conservative Hybrid mutual fund lubizwa nge-ICICI Prudential Regular Savings Fund Direct-Growth. Lesi sikhwama sasungulwa ngoJanuwari 1, 2013, futhi sesineminyaka eyishumi nezinyanga eziyisishiyagalolunye sisebenza.
I-ICICI Prudential Regular Savings Fund Direct-Growth iwuhlelo oluphakathi nendawo endaweni yayo enezimpahla ezingaphansi kokuphathwa (AUM) ka-Rs.3,267 Crores kusukela ngomhlaka-30 Juni 2022. Isilinganiso sezindleko zesikhwama, esingu-0.99%, sikhulu kunalokho iningi lezimali eziqhathanisekayo ze-Conservative Hybrid. Njengamanje, isikhwama sabelwe u-19.16% kumasheya kanye no-64.97% esikweletini.
Imbuyiselo yonyaka owodwa ye-ICICI Prudential Regular Savings Fund Direct-Growth ingu-1%. Ngaphezu kwalokho, ikhiqize inzuzo ye-7.03% ngonyaka kusukela ekuqaleni. Njalo eminyakeni eyisikhombisa, isikhwama siphinda kabili imali etshalwe kuso.
Ikhono le-ICICI Prudential Regular Regular Savings Fund Direct-Growth scheme ukukhiqiza imbuyiselo ngokuqhubekayo liqhathaniswa nalelo lemali eningi esigabeni sayo. Isebenza kangcono kune-avareji ekunciphiseni ukulahlekelwa emakethe ephansi.
Ukutshalwa kwezimali emikhakheni Yezezimali, Yezokuxhumana, Yomshwalense, Amandla, kanye Nokunakekelwa Kwezempilo kwenza ingxenye enkulu yezabelo zesikhwama. Uma kuqhathaniswa nezinye izikhwama ezisesigabeni, kuthathe ubungozi obuncane embonini yezezimali nezokuxhumana.
Ekugcineni, isikweletu sesikhwama sinesilinganiso esiphansi sesikweletu, okubonisa ukuthi ababoleki esibaboleke imali abasezingeni eliphezulu kakhulu.
I-Invesco India Tax Plan Direct-Growth
Uhlelo lwe-ELSS lwe-mutual fund oluvela ku-Invesco Mutual Fund lubizwa nge-Invesco India Tax Plan Direct-Growth. Lesi sikhwama sasungulwa ngoJanuwari 1, 2013, kanti sesineminyaka eyisishiyagalolunye nezinyanga eziyisikhombisa sisebenza.
Kusukela mhla zingama-30 kuJuni 2022, lesi sikhwama sokubambisana saphatha impahla engu-1,818 Crores, okuyenza imoto enosayizi omaphakathi esigabeni sayo. Isilinganiso sezindleko zesikhwama esingu-0.85% siphansi kuneminye imikhiqizo eminingi ye-ELSS.
Imbuyiselo yonyaka ongu-1 ye-Invesco India Tax Plan Direct-Growth ingu-30%. Senze inzuzo engu-17.02% ngonyaka kusukela yaqala. Njalo eminyakeni emithathu, isikhwama siphindaphindeka kabili imali etshalwe kuso.
I-SBI Blue-chip Direct Plan-Growth
I-SBI Mutual Fund ye-SBI Blue-chip Direct Plan-Growth iwumkhiqizo wesikhwama esihlangene se-Large Cap. Lesi sikhwama sasungulwa ngoJanuwari 1, 2013, futhi sesineminyaka engaphezu kweyisishagalolunye sisebenza.
Kuyisikhwama esinosayizi omaphakathi esigabeni saso esinezimpahla ezingaphansi kokuphathwa (AUM) ezingu-32,773 Crores kusukela ngomhla ka-30 Juni 2022. Lesi sikhwama sinesilinganiso sezindleko esiphezulu kunezinye eziningi zezikhwama ezinkulu, ezingu-0.95%.
Inzuzo yangonyaka odlule ye-SBI Blue-chip Direct Plan-Growth ibingu-5.91%. Ikhiqize izinzuzo ze-15.55% ngokwesilinganiso ngonyaka kusukela ekuqaleni kwayo. Njalo eminyakeni emithathu, isikhwama siphindaphindeka kabili imali etshalwe kuso.
I-UTI Yesikhathi Esifushane Engenayo Ingeniso Eqondile-Ukukhula
Umkhiqizo we-mutual fund Wesikhathi Esifushane ovela ku-UTI Mutual Fund yi-UTI Ingeniso Eqondile Yesikhathi Esifushane. Kuyisikhwama esiphakathi esigabeni saso esinama-Rs. 2,315 Crores ezimpahleni ezingaphansi kokuphathwa (AUM) kusukela ngomhla ka-30 Juni 2022.
Isilinganiso sezindleko zesikhwama singu-0.34%, esiqhathaniswa nalokho okukhokhiswa ezinye izimali zesikhashana esifushane.
Imbuyiselo yonyaka ongu-1 ku-UTI Short-term Income Direct-Growth ingu-8.36%. Ikhiqize izinzuzo ze-7.34% ngonyaka ngokwesilinganiso kusukela ekuqaleni kwayo.
Lolu hlelo lunembuyiselo engaguquki eqhathaniswa nezimali eziningi esigabeni salo. Inamandla amakhulu okunciphisa ukulahlekelwa emakethe eyehlayo.
Isikhwama se-Axis Blue-Chip
I-Axis Mutual Fund House ingumnikazi wesabelomali esikhulu esivulekile se-Axis Bluechip Fund. Lesi sikhwama savulwa ngokusemthethweni ngoJanuwari 5, 2010.
Umgomo wotshalomali oshiwo walesikhwama “ukudala ukukhula kwezimali zesikhathi eside ngokutshalwa kwezimali kuphothifoliyo ehlukahlukene eyenziwe ngokuyinhloko ngamathuluzi ahlobene nezabelomali ezinkampani ezinkulu.
Kusukela ngomhla ka-31 Julayi 2022, i-Axis Bluechip Fund ibe nezimpahla ngaphansi kwabaphathi ezifinyelela ku-Rs, 35915.36 crore. Kusukela ngomhlaka-30 Juni 2022, isilinganiso sezindleko Zohlelo Lwesikhwama Oluvamile singu-1.69%.
I-Parag Parikh Flexi Cap Fund Direct-Growth
I-Open-ended Flexi Cap Equity scheme eyingxenye ye-PPFAS Mutual Fund House yiParag Parikh Flexi Cap Fund - Uhlelo Oluqondile. Yasungulwa ngoMeyi 28, 2013.
Umgomo wokutshalwa kwezimali kwalesi sikhwama uthi: “Ngokutshala kakhulu kumasheya nezibambiso ezihlobene nokulingana, uhlelo lufuna ukukhiqiza ukwazisa kwezimali zesikhathi eside. Iqhathaniswa ne-NIFTY 500 Total Return Index njenge-benchmark.
Kusukela ngomhla ka-1 Septhemba 2022, inani le-Asset Yamanje Ye-Parag Parikh Flexi Cap Fund's Current Net Asset yenketho Yokukhula lingu-Rs 51.13. Kusukela ngomhla ka-31 Julayi 2022, inezimpahla ezingaphansi kokuphathwa kwezigidi ezingama-Rs 24594.84.
I-Kotak Emerging Equity Fund Ukukhula Okujwayelekile
Uhlelo lwe-Kotak Mahindra Mutual Fund House oluvulelekile lwe-middle cap equity wuHlelo Olujwayelekile Lwesikhwama Semali Esafufusa se-Kotak. Lesi sikhwama saqala ukusebenza ngoMashi 30, 2007.
Ngokomgomo wotshalomali wesikhwama, olinganiswa ne-NIFTY Midcap 150 Total Return Index, uhlelo luhlose ukuhlinzeka ngokwazisa kwezimali zesikhathi eside ngephothifoliyo yamasheya namathuluzi ahlobene nezabelomali ngokutshala ngokuyinhloko ezinkampanini ezinosayizi omaphakathi.
Kusukela ngomhlaka-1 Septhemba 2022, Inani Elivamile Le-Kotak Emerging Equity Fund Regular Current Net Asset Value yenketho yokukhulisa ingu-Rs 77.00. Kusukela ngomhla zingama-31 kuJulayi, 2022, Uhlelo Olujwayelekile Lwesikhwama Semali Ekhulayo Se-Kotak lube nempahla ngaphansi kokuphathwa kwesamba sika-Rs. 20619.12 izigidi.
Isiphetho
I-mutual fund iwukhetho olukhulu lokutshala imali olungasiza abantu abaholayo ukuthi bakhe ingcebo ngokuhamba kwesikhathi. Izimali ezihlanganyelwe zinikeza izinhlelo zayo yonke ingxenye yempilo, kusukela ekuthatheni umhlalaphansi kuya ekuqongeleleni ingcebo.
Uhlinzeka ngokutshalwa kwezimali kubatshalizimali abalondolozayo futhi abangenabungozi.
Inzuzo yokuhlukahluka, izindleko eziphansi, inkululeko yokutshala izimali ngenani elincane, kanye nokuphathwa kwesikhwama sochwepheshe konke kuyinzuzo.
Nokho, Izimali ezihlanganyelwe zingaphansi kwezingozi zemakethe futhi zifunde wonke amadokhumenti ahlobene nohlelo ngokucophelela.
shiya impendulo