Uchungechunge lwe-Quora kubuchwepheshe babo bakamuva, "I-Wealth Monitor" ibukeka inethunzi kakhulu kimi. Lokhu akukona neze ukumangalelwa noma isimangalo samasu okuthengisa amnyama. Kodwa umbono nje:
Bheka uchungechunge lapha bese ufunda isibuyekezo sami ngezansi.
Yini engalungile ngochungechunge?
Yonke impendulo ibonakala ithengiswa ngendlela emangalisayo, ifana, futhi iyimfucumfucu yokumaketha abakopishi abangochwepheshe bamanga abayikhafulayo kulezi zinsuku.
Leli ifulegi elikhulu elibomvu, ngakho Ngizomgwema uDezerv okwamanje.
Kuyamangaza njengoba inkampani ithe izifiso zayo ukwenza ukutshalwa kwezimali kube lula kumakhasimende abo. Zonke izinkulumo mayelana nezindinganiso nezimiso zokuziphatha nezinkolelo. Kuyangimangaza ukuthi behlala phansi kangaka. Izinga elivamise ukugodlwa abakhohlisi nabathengisi be-MLM.
Futhi, lawa mabhizinisi ama-Fintech Indian anecala ngokwedlulele, ngakho-ke angimtholi u-Dezerv wanoma yini. Lona umbono wami nokuhlola, enginelungelo lakho. Ngivele ngakhetha ukuziveza esidlangalaleni. Angisethuli ubufakazi noma ubufakazi bokuthi ngibangele i-Dezerv, noma ithimba layo lanoma yikuphi ukwenza okubi.
Kodwa abebekwenza ngeziteshi zokukhangisa zenkundla akulungile, akunasimilo, futhi kuyadabukisa, ngokwazi kwami.
Futhi kusukela I-Zerodha bethule ezabo izimali, bahambe bayotshala izimali zabo ezintsha. Azikho izimali noma izintambo ezinamathiselwe.
Awudingi “ochwepheshe” ukuze utshale imali ku-mutual funds.
Gwema i-PMS ka-Dezerv futhi. Umthetho wami ojwayelekile awukona ukutshala imali ku-PMS ngaphandle uma ufika ngokutuswa okungenani kwabangu-3 babangane bakho abaseduze, osebenza nabo kanye nojwayelene nabo.
Esikhathini esedlule ngathola ukwazi nge-Dezerv, futhi ngacabanga ukuthi kungaba umqondo omuhle ukuyizama.
Kuyinkundla yokuphatha ingcebo yokumema kuphela lapho iphothifoliyo yakho idalwe khona ngokusekelwe ekufuneni kwakho ingozi, umkhathizwe wokutshalwa kwezimali, kanye nezici zakho zezezimali zamanje.
Uma utshala imali nge-Dezerv, ngamafuphi, ochwepheshe bazobe bephethe imali yakho kuphothifoliyo yangokwezifiso eyakhelwe wena. Ukuqinisekisa ukuthi uthola imbuyiselo engaguquguquki futhi ufinyelela izinjongo zakho zokutshala imali ngaphandle kokutshala izimpahla eziqagelayo nokukhetha isitoko ngasinye.
Awudingi ukukhokha noma yiziphi izindleko ku-Dezerv ngokuphatha imali yakho.
Kodwa ingabe kumahhala ngempela, noma okubaluleke nakakhulu, ingabe ngempela awukhokhi lutho kochwepheshe abaphethe imali yakho? Ngikuchaze kabanzi lokhu ekupheleni kwalesi sihloko.
Njengoba i-Dezerv ingavulekele wonke umuntu ngokuzenzakalela, yenza kube lula ngethimba elincane lochwepheshe bokutshalwa kwezimali abanekhono ukuletha imiphumela engcono nolwazi lomsebenzisi.
Nansi indlela yonke inqubo yokugibela ihambe ngayo:
Ngafaka isicelo se-Dezerv, futhi esikhathini esingangesonto ngathola isimemo sami.
Uma usuthole isimemo, udinga ukungena ku-Dezerv usebenzisa inombolo yakho yocingo, futhi yilokho engikwenzile.
Uma ungena ngemvume okokuqala ngqa, into yokuqala ozoyibona imininingwane yakho Yephothifoliyo Ehlanganisiwe (PIP).
Ngizokhuluma nge-PIP ngokuningiliziwe lapho ngibuyekeza i-Dezerv, kodwa kumane kuyindlela yabo yokutshala izimali zezakhiwo ebizwa I-Integrated Portfolio Approach (IPA), echaza ukuhlukahluka kwabo nendlela yokukhetha impahla.
Ngamazwi abo, i-IPA ithi:
I-Integrated Portfolio Approach™ ihlose ukwakha iphothifoliyo yesigaba sezimpahla eziningi ehlukile, lapho kukhethwa khona izibambiso ezihambisanayo, ezisezingeni eliphezulu ukuze kulethwe izimbuyiselo zephothifoliyo ezisezingeni eliphezulu ngokwephrofayili yobungozi. Kuyisixazululo esiphelele sazo zonke izidingo zakho zokutshala imali.
Udinga ukuchofoza inkinobho ethi Setha I-akhawunti Yami ukuze wenze ukutshalwa kwezimali kokuqala nge-Dezerv.
Ngaphambi kwalokho, ake ngikhulume ngezigaba ezimbalwa ekhasini le-Personalized Integrated Portfolio ngenhla. I-Dezerv ikuvumela ukuthi wenze ngendlela oyifisayo iphothifoliyo yakho ngaphambi kokutshala imali.
Isibonelo, ungahlela "Indlela Yokutshala imali" futhi unqume ezindleleni ezinhlanu ezihlukene:
Ungakhetha phakathi:
- Careful
- I-Conservative
- Ibhalansi
- Growth
- Ulaka
Manje, ngokusekelwe ezimpendulweni zakho zemibuzo uDezerv ayibuzayo lapho ufaka isicelo, batusa indlela yokutshala elungile kuwe. Ngingumtshali-zimali wesikhathi eside, futhi kufanele kube nawe ukuthi ungumfundi we-AayushBhaskar.com ????.
Ngakho-ke, ngokusekelwe ezimpendulweni zami (isikhathi eside, ukubekezelela ingozi enkulu) u-Dezerv uncome iphothifoliyo enengozi ephezulu yomvuzo omkhulu ukukhulisa ingcebo yami esikhathini eside. Noma kunjalo, ngingakwazi ukukhetha enye indlela yokutshala imali uma ngifisa.
Uma ufuna ukwazi izimali ozotshalwa kuzo imali yakho, chofoza okuthi “Bheka Imininingwane Yephothifoliyo”.
Ungabona ukuthi iphothifoliyo yami ihluke kanjani ngezimali ezihlanganyelwe ku-Indian Equity, izimpahla ze-Fixed Income kanye negolide.
Lena iphothifoliyo ehluke kakhulu - elungiselelwe ukuvikela ukubuyisela kwami kusukela phansi, ikakhulukazi ezikhathini ezifana nenhlekelele yase-Ukraine-Russia lapho izimakethe zokulingana zingase ziwe uma impi ikhula. Igolide kanye nempahla engenayo engashintshi kuvame ukwenza kangcono kulezi zimo.
Kukhona futhi inqwaba yama-FAQ ongadlula kuwo ukuze uqonde ukuthi i-Dezerv iphatha kanjani imali yakho, izimo zokuhoxiswa, ukuphepha kwezimali, nokuthi kungani bekhetha izimali ezihlanganyelwe kunesitoko ngasinye.
Uma usuqedile ukuhlaziya i-Dezerv Personalized Integrated Portfolio yakho, isinyathelo esilandelayo ukutshala inani lokuqala lika-INR 50,000 noma ngaphezulu. Lokhu kunengqondo njengoba kunezimali ezingaba ngu-9 kuphothifoliyo yami.
Ngiqhubekile ngatshala u- ₹ 50K nge-Dezerv.
Konke ukutshalwa kwezimali kwenziwa egameni lakho, u-Dezerv umane ungumdidiyeli/umeluleki.
Uzothola isiqinisekiso se-imeyili esivela kuyo yonke i-mutual fund house kuphothifoliyo yakho uma u-Dezerv eseqedile ukucubungula utshalomali lwakho. Ungakwazi ke ukulandelela lezi zimali usebenzisa a iphothifoliyo tracker kanjalo.
I-Dezerv okwamanje isekela indlela yokukhokha eyodwa kuphela - I-Internet Banking. Maduze bazoqhamuka nezixazululo zokukhokha ze-UPI.
Uma usutshalile okokuqala, uthola ukufinyelela ku-backend ye-Dezerv, lapho ungakwazi ukulandelela iphothifoliyo yakho futhi uphathe i-akhawunti yakho.
Note – Iphothifoliyo yakho ayimile. Izolinganiswa kabusha minyaka yonke ngemvume yakho. Unezinga elithile lokulawula phezu kwezimali ozitshalile.
Uzokwazi ukukhipha imali ngemuva kwezinsuku ezi-3-5 zokutshala imali kokuqala. Ngemva kwalokho, azikho izikhathi zokukhiya. Kodwa khuluma nethimba le-Dezerv ngaphambi kokuthi ukhethe ukuhoxa, ungase ukwazi gcina intela bese wehlisa umthwalo wokuphuma.
Nansi indlela ideshibhodi ye-Dezerv ebukeka ngayo:
Qaphela ukuthi kufanele ngifiphaze kanjani izici ezithile esithombeni esingenhla. Lawa amanye amathuba akhethekile okutshala imali kumalungu e-Dezerv.
Ekuqaleni, nganginezinhlelo zokubhala ngakho futhi, kodwa ngase ngifunda la mathuba ayimfihlo futhi anelungelo, hhayi ukudalulwa komphakathi.
Nokho, lezi ezinye izinkampani ze-Pre-IPO lapho ungathenga khona amasheya kubantu abazimisele ngokuwathengisa ngaphandle kwemakethe. Noma ngezinye izikhathi lezi kungaba Izimpahla Zotshalomali Ezihlukile, Amabhondi Esivuno Esiphezulu, noma Ubambiswano nezinye izinkundla zokutshala izimali ezifana ne-GRIP.
Uzothola ukufinyelela kulawa mathuba okutshalwa kwezimali okukhethekile uma usuyilungu nawe.
Ithimba le-Dezerv lizokusiza futhi ukuthi uqonde ukuthi kwenzekani emnothweni wamanje womhlaba nokuthi utshalomali lwakho luthinteka kanjani. Uzothola amavidiyo achazayo nemiyalezo yombhalo mayelana nezezimali kanye nezibuyekezo zezomnotho njalo nje.
Uma ufuna ukukhuluma nothile ukuze uthole izincazelo futhi uphendule imibuzo yakho, kunozakwethu oyilungu ongaxoxa naye nge-WhatsApp.
Izinkokhelo ze-Dezerv
Qonda ukuthi ukhokha imali.
Futhi akunangqondo njengoba unezinhlelo zokusebenza ezifana ne-INDmoney esezenza okwenziwa uDezerv. Abavele bakwethule ngendlela eyinkimbinkimbi njengoba kwenza uDezerv.
Ngakho-ke kunomthwalo wesikebhe wokumaketha oqhubekayo lapha ngezinsizakalo esezivele zikhona.
Awuyena ngqo ukukhokhela i-Dezerv ukuphatha imali yakho, njengokubhalisa.
Kodwa-ke, ukutshalwa kwezimali okwenziwe egameni lakho nge-Dezerv kwenzeka ezinhlelweni ze-mutual fund kanye Not izinhlelo eziqondile.
Uyini umehluko phakathi kwezinhlelo zokutshala izimali ezijwayelekile neziqondile ze-mutual fund?
Izinhlelo ezijwayelekile ze-mutual fund zihlala zisizwa ngomthengisi, umuntu ophakathi nendawo. Futhi wonke umthengisi ukhokhelwa ikhomishini yi-mutual fund house.
Lezi zindlu ze-mutual fund aziwakhokhi lawa makhomishini ngemali yawo. Bakukhokhisa esikhundleni salokho.
Ngakho, ngokobuchwepheshe ukhokhela ithimba le-Dezerv imali eshisiwe ukuze uphathe imali yakho.
Ngibale, futhi kuze kube manje njengoba ngitshale imali ku-Dezerv, Uma ngiyigcina njengeminyaka eyi-10 ezayo, ngizokhokha cishe i-4,00,000 kumakhomishini.
Inhloso yami yokukufundisa ngalolu lwazi ukukusiza wenze isinqumo esiphusile. Ngethemba ukuthi lokhu kuyasiza. Uma ungibuza, akunangqondo ukutshala imali nge-Dezerv.
Ungafinyelela kanjani e-Dezerv?
Okokuqala, udinga ukucela isimemo.
Bese behlola iphrofayili yakho ngokusekelwe ezimpendulweni zakho kuhlelo lokumema, abalusebenzisela ukwakha iphothifoliyo yakho yokutshala imali. Manje, akufani nokuthi bazokwakhela iphothifoliyo entsha, kodwa uzonikezwa ukufinyelela kweyodwa kwamathathu (ukuqagela kwami okungavuthiwe) amaphothifoliyo awakhelwe ngaphambilini ngokusekelwe ekufuneni kwakho ukudla okuyingozi.
Ekugcineni, uma yonke into isimisiwe, uthola isimemo esivela kwa-Dezerv, esisebenza cishe izinsuku eziyi-8.
Kufanele utshale imali ngaphansi kwezinsuku eziyi-8 ngemuva kokuthola isimemo sakho. Uma ungenjalo, ithuba lakho lokutshala imali nge-Dezerv liphelelwa yisikhathi.
Konke lokhu akulutho kodwa kuyisu lokumaketha – ngakho ungakhathazeki uma ungasitholi isimemo maduze. Ekugcineni bazovulela wonke umuntu inkundla.
Uma uchofoza isixhumanisi esingenhla, uzothola ukufinyelela okubalulekile ku-Dezerv, ngokushesha kunanoma ubani omunye. Eyabafundi bami kuphela.
Lokhu bekuyimibono yami yokuqala ngemuva kokusebenzisa i-Dezerv.
Ingabe ngizoqhubeka nokutshala imali nge-Dezerv?
Mhlawumbe, cha. Senginayo kakade i-PMS elawula iningi lemali yami (70%).
Nokho, ngiyayithanda indlela yabo yonke. Ngizokhuluma kabanzi ngakho uma ngithola inkundla yabo izinyanga ezimbalwa okungenani futhi ngibhale isibuyekezo ngayo. (Kubuyekeziwe, lokhu ukubuyekezwa, akukho okuningi kukho. Kafushane, akufaneleki uma ungumtshali-zimali ofundile. Kuyafaneleka uma ungenaso isikhathi sokuqonda imakethe.)
Ngincoma ukuthi uzifundise futhi uzame ukutshala izimali eziqondile ezihlangene. Awudingi ukukhokha amakhomishini lapho amapulatifomu ethanda Ibhokisi lesikripthi, INDMoney futhi Khula lula ukutshala imali okuqondile kwe-MF ngamathani wokuqukethwe kwezemfundo ukukusiza ukhethe isikhwama esifanele ngokusekelwe ezidingweni zakho.
I-Varun
Sawubona Ayush, ingabe lokhu kutshalwa kwezimali kanye nje? Noma kufanele ngenze ukutshalwa kwezimali okunjalo njalo ngonyaka? Futhi uma i-dezerv ivala bese ngisengumnikazi we-investimenti yami, akunjalo? Ukuqonda kwakho kunginikeze ukuzethemba okuncane kokuthi ngiqhubeke nokutshala imali .pls phendula ..
Aayush Bhaskar
Sawubona Varun,
Udinga ukutshala ubuncane obungu-50K ukuze uthole ukufinyelela e-Dezerv. Ngemuva kwalokho, noma nini lapho ufuna ukutshala imali eyengeziwe, inani elincane lingu-20K. Ungakhetha ukutshala izimali ezivamile njengami (masonto onke). Noma njalo ngesikhashana, ngokwesibonelo, lapho uthola ibhonasi.
Utshalomali lwakho luthunyelwa ngqo ku-mutual fund house. UDezerv ungumuntu ophakathi nendawo. Awudingi ukukhathazeka ngokuthi zizovalwa nhlobo.
U-Ashwin
“Ngakho-ke, ngokobuchwepheshe ukhokhela i-Dezerv imali eshisiwe yokuphatha imali yakho.
Ngibale, futhi kuze kube manje njengoba ngitshale ku-Dezerv, Uma ngiyigcina iminyaka eyi-10 ezayo, ngizokhokha cishe i-4,00,000 kumakhomishini. "
Sawubona Aayush!
Ngenkathi udingida isici senkokhelo (ecashunwe ngenhla), ubalule ukuthi ungalindela izinkokhiso ezibiza ama-Rs. 4L iminyaka engu-10 otshalweni lwakho lwamanje.
Ungakwazi yini ukunikeza inani le-ballpark yenani oyitshalile ukuze unikeze umbono ongcono wosayizi ohlobene wemali elinganiselwe engu-4L? Uma kungenjalo, umuntu akakwazi ukuthola umbono ofanelekile wesabelo sokutshalwa kwezimali esizolahleka njengezindleko.
Ngiyethemba ukuzwa kuwe kungekudala.
Aayush Bhaskar
Ithiphu - Usebenzisa izeluleko ze-INDmoney ( ₹99 ngenyanga) ungagada amakhomishini.
Rajesh
Hi Aayush,
Ngiyabona ukuthi okwamanje ithimba le-Dezerv lithi litshala kuphela ku-Direct mutual funds ezikhwameni eziphethwe yibona ngokukhuthele kokuthile okubizwa ngokuthi I-Growth Assets. Balindele ukuphakama okungu-3-4% kunokusebenza kwemakethe futhi bazokhokhisa u-5% wenzuzo minyaka yonke.
Ngisebenzise isevisi efanayo kuphothifoliyo yesitoko, nokho ngonyaka owodwa angikwazanga ukubona imbuyiselo efanayo njengokusebenza kwemakethe futhi ngaphuma kumasevisi abo.
Noma yiziphi iziphakamiso ukuthi lokhu kungaba kanjani ngezinketho esezivele zikhona njenge-Scripbox, INDMoney, njll
UMahesh
Sawubona Ayush,
Okokuqala, sincoma isibuyekezo sakho esinemininingwane ku-Deserv App. Njengoba ubusho ukuthi kusho izinkokhiso ezinkulu njengekhomishini, sicela usazise ukuthi kuzoba yimalini ngamaphesenti. Isibonelo uma ngiqala ukutshalwa kwezimali ngo-50K futhi kamuva u-20K njenge-SIP, angakanani amaphesenti angaba ukulahlekelwa kimi?
Qaphela: Ngimusha emhlabeni wezezimali nokutshalwa kwezimali.