Izinsizakalo zokweluleka nge-robo ziya ngokuya ziduma e-India njengoba abantu befuna izindlela zokutshala imali ngaphandle kokubeka isikhathi nemizamo yokuphatha ukutshalwa kwezimali kwabo ngokwabo.
Kunezinsiza eziningi ezahlukene zokweluleka ngeRobo ezitholakala eNdiya, ngayinye inamandla nobuthakathaka bayo. Kulokhu okuthunyelwe kwebhulogi, sizobheka izinsizakalo ezi-8 ezihamba phambili zokwelulekwa kwe-Robo eNdiya futhi sibone ukuthi yini eyenza zihluke kwezinye.
Iyini Isevisi Yokweluleka Nge-Robo?
Isevisi ye-robo-advisory iyisevisi yokuphatha utshalomali eku-inthanethi ehlinzeka ngokuzenzakalelayo, iseluleko sokuphatha iphothifoliyo esisekelwe ku-algorithm ngaphandle kwesidingo sabeluleki bezezimali abangabantu.
Abeluleki be-Robo basebenzisa ubuchwepheshe ukuze banikeze iseluleko somuntu siqu sokutshala izimali kanye nezinsizakalo zokuphatha iphothifoliyo ngaphandle kokuxhumana nabantu. Ngokuvamile ishibhile kakhulu kunabeluleki bezezimali bendabuko futhi ingaba inketho enhle kubatshalizimali abakhululekile ukwenza ezabo izinqumo zokutshala izimali.
Ungazikhetha Kanjani Izinsiza Ezinhle Zokweluleka Nge-Robo?
Kunezinto ezimbalwa okufanele uzicabangele lapho ukhetha izinsizakalo ezingcono kakhulu zokweluleka nge-robo. Esokuqala yizimali ezikhokhiswa isevisi. Izinsizakalo eziningi ze-robo-advisory zikhokhisa iphesenti lezimpahla ezingaphansi kokuphathwa, ngakho-ke kubalulekile ukuqhathanisa izimali ezikhokhiswa izinsizakalo ezahlukene.
Into yesibili okufanele icatshangelwe isu lokutshala imali lenkonzo. Ezinye izinsizakalo zokwelulekwa nge-robo zisebenzisa isu lokutshala imali elingashintshi, kanti ezinye zisebenzisa isu lokutshala imali elisebenzayo. Kubalulekile ukukhetha isevisi ehambisana nezinhloso zakho zokutshala imali.
Into yesithathu okufanele icatshangelwe yinkonzo yamakhasimende. Kubalulekile ukukhetha isevisi ephendula imibuzo nezinkathazo zakho.
Izinsizakalo ezi-8 eziphezulu ze-Robo-Advisory e-India
Muva nje, amaNdiya aqale ukukhombisa intshisekelo enkulu ezimakethe zamasheya. Ngokufanayo, abantu bafuna inkundla lapho bengavele batshale imali futhi bathole imbuyiselo yabo ngaphandle kokukhathazeka ngamasu noma imizwa.
Lesi yisizathu sokuthi kube nezinsiza eziningi ze-Robo-Advisory ezethulwe eNdiya. Ngakho-ke, ake sibheke izinsizakalo ezi-9 eziphezulu ze-Robo-Advisory.
1. I-Angel Broking ARQ
I-Angel Broking ibilokhu iyifemu eqhutshwa ubuchwepheshe. Babengabanye babathengi abambalwa bokuqala ukunikeza inkundla yokuhweba eku-inthanethi. Futhi manje, sebeqhamuke ne-ARQ - ithuluzi eliyingqayizivele lokubekwa kwe-oda lokuhweba elisuselwa ku-AI kanye nethuluzi lokubulala.
I-ARQ iwuhlelo oluhlakaniphile lokubeka ama-oda olusebenzisa ama-algorithms okufunda komshini ukuze itadishe ukuziphatha kwakho kokuhweba bese ibeka uhwebo esikhundleni sakho. Kuyisistimu ezenzakalelayo ngokuphelele engadingi noma yikuphi okokufaka okuvela kumthengisi. Odinga ukukwenza nje ukusetha amapharamitha owathandayo futhi i-ARQ izonakekela okunye.
I-ARQ yakhelwe ukuthi ikhumbule izidingo zabadayisi abasebenzayo. Ibeka ukuhweba ngesikhathi sangempela futhi inamandla okwenza ama-oda amakhulu ngesikhathi esifushane. Ngaphezu kwalokho, inembe kakhulu futhi inezinga eliphansi kakhulu lamaphutha.
I-Angel Broking ibilokhu ihamba phambili ekwenziweni okusha futhi i-ARQ iwubufakazi balokho. Kuyithuluzi elishintsha umdlalo eliqinisekile ukuthi lizoguqula indlela abahwebi abasebenza ngayo.
Izici eziphezulu
- Landelela zonke izimali ozitshalile namaphothifoliyo.
- Sebenzisa i-SmartAPI ukwenza ukuhweba komuntu siqu kanye nenkundla yokutshala imali.
- Ukuhweba okuzenzakalelayo kusekelwe ekuziphatheni kwakho okungokomlando ngaphandle kwemizwa yomuntu.
- Iphuma kusenesikhathi ukususa izindawo ukuze kuncishiswe ukulahlekelwa
- Isivivinyo samahhala ngaphandle kokuvuselela ngokuzenzakalela
2. 5Paisa Auto Investor
I-5Paisa Auto Investor ikuvumela ukuthi uhlaziye izitoko ezisebenza kahle kakhulu ngokusekelwe kumamethrikhi ahlukahlukene anqunywe inkundla. Iphinde ikunikeze ukuhlaziya kwemakethe kwansuku zonke nokwamasonto onke okuvela kochwepheshe abaphezulu.
Esinye isici esiphawulekayo yi-Model Portfolio okuwuhlu lwezitoko ezikhethwe ngesandla ithimba labacwaningi nabahlaziyi.
Lolu hlu olubizwa ngokuthi i-Growth 50 luhlolwa kumamethrikhi ahlukahlukene ngokuyisisekelo nangobuchwepheshe. Ngakho-ke, ungagcina isikhathi sakho futhi utshale imali ngokuqondile kunoma yiziphi izitoko ezivela kulolu hlu.
Izici eziphezulu
- Thola amathuluzi nezici ezihlakaniphile.
- Thola uhlu oluqondene nawe lwezitoko ezishisayo.
- Imininingwane ejwayelekile yephothifoliyo yakho.
- Qhathanisa iphothifoliyo yakho nemikhakha eyahlukene, izinkomba zokuma, nokunye.
- Izibuyekezo zemakethe ezibukhoma.
3. Ibhokisi lesikripthi
I-Scripbox iwumeluleki we-robo osiza abantu ukuthi batshale imali yabo ngendlela elula nezenzakalelayo. Ihlinzeka ngemikhiqizo namasevisi ahlukahlukene okutshalwa kwezimali, okuhlanganisa iseluleko sokutshalwa kwezimali, ukuphathwa kwephothifoliyo, kanye nocwaningo lokutshalwa kwezimali.
I-Scripbox inethimba lochwepheshe bezezimali abasebenza ndawonye ukuze banikeze ulwazi olungcono kakhulu lokutshala izimali kumakhasimende abo.
Izici eziphezulu
- I-Scripbox ayikhokhisi ikhomishini noma izinkokhelo ekutshaleni kwakho.
- Ungakhetha ezinhlelweni eziningi ze-mutual fund kusuka ezindlini zesikhwama ezihamba phambili.
- I-Scripbox inikeza indlela yokutshala imali esekelwe kumgomo ekusiza ukuthi utshale ezinhlelweni ezifanele ze-mutual fund ngemigomo yakho yezezimali ethile.
- Ungakwazi ukulandelela yonke imali oyitshalile nokusebenza endaweni eyodwa.
- Ungakwazi futhi ukukhipha imali yakho nganoma yisiphi isikhathi ngaphandle kwezinhlawulo.
4. Izimali zaseNdiya
I-FundsIndia Robo Advisory isebenzisa ubuchwepheshe obuphambili nokuhlaziya idatha ukuze inikeze izinhlelo zokutshala eziqondene nawe kubasebenzisi bayo.
Kucatshangelwa imigomo yomsebenzisi, intshisekelo yokubeka engcupheni, nomkhathi wokutshalwa kwezimali ukuze udale iphothifoliyo yama-ETF (Izikhwama Zohwebo Zokuhwebelana) kanye nezimali ezihlanganyelwe ezihambisana nezinjongo zokutshala imali zomsebenzisi.
Inkundla iphinde inikeze isici esiyingqayizivele esibizwa nge-' goal-based investing ', esivumela abasebenzisi ukuthi batshale kubhasikidi wama-ETF kanye nezikhwama ezihlanganyelwe ezikhethwe ngokukhethekile ukubasiza bafinyelele imigomo yabo yezezimali.
Izici eziphezulu
- Awekho amakhomishini noma izimali ezifihliwe
- Izinhlelo zotshalomali eziqondene nawe ezisuselwe kumdlandla wobungozi kanye nemigomo yomsebenzisi.
- Uhlu olubanzi lwama-ETF kanye nezimali ezihlanganyelwe.
- Irekhodi elihle eledlula izimakethe
- Ibala futhi yethule ukuchayeka kwengozi yokutshalwa kwezimali okuhlukene
5. I-Sharekhan NEO
U-Sharekhan NEO ungumeluleki we-robo osiza abatshalizimali ukuthi bahlele futhi batshale imali ekusaseni labo. I-NEO ihlukile kwabanye abeluleki be-robo ngoba inikeza ukuthinta komuntu. Ineqembu lochwepheshe bokutshalwa kwezimali abasebenza namakhasimende ukuze baqonde imigomo yabo futhi banikeze izeluleko eziqondene nawe.
I-NEO iphinde inikeze uhlelo lokusebenza lweselula elenza kube lula ukulandelela ukutshalwa kwezimali komuntu nokuqapha ukusebenza kwephothifoliyo yomuntu.
I-NEO iyisixazululo esihle sabatshalizimali abafuna indlela elula, ephumelelayo, futhi engabizi kakhulu yokutshala imali. Kuyindlela enhle yokuqala ngokutshala imali kanye nokwakha isisekelo esiqinile sekusasa lomuntu.
Izici eziphezulu
- Izinketho ezihlukahlukene zokuphatha iphothifoliyo, okuhlanganisa ukubekezelela ubungozi, imigomo, nomkhathizwe.
- Ibhalansisa kabusha iphothifoliyo yakho ukuze ihlale ihambisana nezinhloso zakho zokutshala imali.
- Idatha yemakethe yesikhathi sangempela
- Isikhombikubona esilula nesisebenziseka kalula
- Uhlu olubanzi lwemikhiqizo yokutshalwa kwezimali namasevisi, okuhlanganisa amasheya, ama-mutual funds, ama-ETF, nokuningi.
6. Imali ye-ET
Uma ufuna indlela elula nelula yokutshala imali yakho, kufanele nakanjani uhlole Umeluleki weRobo we-ET Money. Ngalolu hlelo lokusebenza, ungakwazi ukutshala imali yakho ngokuzenzakalelayo kuphothifoliyo ehlukahlukene yama-ETF (izimali ezihwebelana ngokuhwebelana) kanye nezimali ezihlanganyelwe. Futhi okuhle kunakho konke, kumahhala ngokuphelele ukukusebenzisa!
Ngomeluleki we-ET Money Robo, akudingeki ukhathazeke ngokukhetha isitoko ngasinye noma ukubeka isikhathi emakethe. Kunalokho, ungavele usethe ibhajethi yanyanga zonke futhi uhlelo lokusebenza luzokutshalela imali yakho ngokuzenzakalelayo. Uhlelo lokusebenza luzophinde lulinganisele kabusha ngokuzenzakalelayo iphothifoliyo yakho ukuze ihlale ihlukene.
Izici eziphezulu
- Ungaqala ukutshala imali ngemali encane njenge-$5.
- Imali encane yonyaka engu-0.50% kubhalansi ye-akhawunti yakho.
- Ukutshala imali ngendlela enentela
- Misa imigomo futhi i-ET Money izotshala imali yakho ngokuzenzakalelayo ukuze ikusize uyifinyelele.
- Iphatha zonke izinqumo ezisuselwe ekutshalweni kwezimali egameni lakho.
7. I-Orowealth
I-Orowealth ingumhlinzeki oholayo wezinsizakalo zokuphatha ukutshalwa kwezimali ku-inthanethi eNdiya. Inikeza inkundla eyingqayizivele, eqhutshwa ubuchwepheshe esiza abatshalizimali benze izinqumo ezingcono zokutshala izimali.
Inkundla yezobuchwepheshe ye-Orowealth yenza abatshalizimali bakwazi ukwenza izinqumo zokutshala izimali benolwazi kalula nangokuzethemba. Isekelwa ngabatshalizimali abahamba phambili okuhlanganisa iSequoia India, Saif Partners, kanye neBlume Ventures.
Izici eziphezulu
- Ukuphathwa kokutshalwa kwezimali okuzenzakalelayo
- Alikho inani elincane lokutshala imali
- Isivivinyo samahhala
- Imali ephansi yonyaka engu-0.50%
- Thola ukufinyelela kumeluleki wezezimali ochwepheshe
8. Robonam
U-Robonam ungumeluleki werobhothi ohlinzeka ngezeluleko zokutshala imali ezizenzakalelayo. Isebenzisa ubuhlakani bokwenziwa ukuze inikeze izincomo ezisekelwe ezinhlosweni zakho zokutshala izimali kanye nokubekezelela ubungozi.
I-Robonam iyindlela enhle kubatshalizimali abafuna indlela yokuvala imali yokutshala imali. Ingakunikeza izincomo zokutshala izimali ezihambisana nezinjongo zakho ezithile kanye nokubekezelela ubungozi. Futhi, ngenxa yokuthi i-automatic, inganikeza lezi zincomo ngokushesha nangempumelelo.
Izici eziphezulu
- Ama-algorithms okuphatha izinhlobo ezahlukene zobungozi kuphothifoliyo yakho.
- Linganisa kabusha ngokuzenzakalelayo iphothifoliyo yakho ukuze ugcine ukutshalwa kwezimali kwakho kusendleleni.
- Izinhlobo ezahlukene zezinketho zephothifoliyo zisekelwe ezidingweni zakho.
- Thola isivivinyo samahhala ukuze usebenzise inkundla.
Ukuthatha Kwami
Izinhlelo zokusebenza zokweluleka nge-Robo ziya ngokuya ziduma e-India, njengoba zinikeza indlela elula nengabizi kakhulu yokutshala imali ngaphandle kwesidingo someluleki ongumuntu wezezimali.
Lezi zinhlelo zokusebenza zokweluleka nge-robo e-India zonke zihlukile ngokwezici nezinketho zokutshala imali, kodwa zonke zabelana ngomgomo ofanayo wokusiza abasebenzisi bakhulise ingcebo yabo ngendlela elula nezenzakalelayo.
Yingakho ngifake ohlwini izinkundla ezihamba phambili nezisebenza kabi kakhulu ngokusekelwe ezilinganisweni ezihlukahlukene.