Ukuphatha imali kungaba yikhanda elibuhlungu uma unenani elikhulu lezikweletu okufanele uzikhokhe, ukutshalwa kwezimali okumele ukwenze, nokonga okuzokwanda.
Kodwa kuthiwani uma besikutshela ukuthi kukhona umdlali omusha edolobheni olungele ukwenza impilo yakho yezezimali ibe lula kakhulu?
Ithi sawubona ku-ET Money, uhlelo lokusebenza lwezezimali oluhlanganisa yonke into emakethe yase-India.
Kulokhu okuthunyelwe, sizobheka ukuthi yini eyenza i-ET Money igqame kwabanye nokuthi ifanele yini ithuba!
Isingeniso se-ET Money kanye Nomgomo wayo
I-ET Money iyinkundla yokutshala imali yaseNdiya kanye nokuphathwa kwengcebo ebone ukukhula okumangalisayo eminyakeni yamuva nje. Njengoba indlunkulu etholakala eGurugram, eNdiya, inkampani yasungulwa ngoJanuwari 2015. Indoda ngemuva kwempumelelo yayo nguMukesh P Kalra, osebenza njengoMsunguli kanye noMphathi Omkhulu wesikhulumi.
I-ET Money inomgomo wokwenza ukuphathwa kwezimali kube lula futhi kufinyeleleke kubathengi ngokuthengisa ubuchwepheshe.
Le nkampani ineqembu elinamakhono aphezulu lamalungu angama-250 asebenza ngokuzikhandla ukufeza izinhloso zawo. Iphuzu lokuthengisa eliyingqayizivele le-ET Money ukukhomishana kwayo okuyiziro ukutshala izimali mutual fund namandla okuphatha izindleko, okuvumela abasebenzisi ukuthi balandelele utshalomali lwabo kalula.
Eminyakeni embalwa edlule, inkundla ibone ukukhula okuphindwe kahlanu kubasebenzisi bayo, iqinisa ngokwengeziwe isikhundla sayo njengenye yezinkundla zokuphatha ingcebo ezikhula ngokushesha eNdiya.
Ungaqala kanjani?
Ukuqalisa nge-ET Money kuwumoya oshisayo. Kungakhathaliseki ukuthi ukhetha ukusebenzisa i-imeyili yakho noma i-akhawunti yakho ye-Google, inqubo iyashesha futhi kulula.
Mane nje uqonde ku Iwebhusayithi ye-ET Money bese ubhalisa usebenzisa indlela oyithandayo. Uma usunikeze i-OTP ezothunyelwa ku-imeyili yakho noma ixhunywe ku-akhawunti yakho ye-Google, ungaqala ukuhlola inkundla nazo zonke izici zayo ngaphandle kokukhathazeka nganoma imaphi amanye amadokhumenti.
Nokho, uma ungathanda ukumisa i-akhawunti yokutshala imali, uzodinga ukunikeza imininingwane yakho ye-PAN nolwazi lwasebhange oluxhunywe kuleyo akhawunti ye-PAN. Yonke le nqubo yenziwa lula ukwenza uhambo lwakho lwezezimali lushelele ngangokunokwenzeka.
3. Uhlolojikelele lokusebenza kanye nezici zalo
Kwa-ET Money, akukho ukushoda kwamathuluzi nezici eziklanyelwe ukukusiza ukuthi ulawule izimali zakho. Kusukela kubabali nabahlaziyi kuya kumaphothifoliyo e-mutual fund kanye nokuhlaziywa kwesitoko, le nkundla inakho konke okudingayo ukuze wenze izinqumo zezezimali unolwazi.
Eqinisweni, i-ET Money ingachazwa kangcono njengomeluleki wakho wezezimali, ohlale ekhona ukuze akusize uzulazule emhlabeni oyinkimbinkimbi wezezimali. Kodwa ake sijule kancane sibhekisise isici ngasinye salezi sici ngasinye.
(i) I-Investor Personality Calculator
Ukutshala imali ku stock market kuhilela okungaphezu nje kokufaka imali ezimpahleni eziyingozi kakhulu. Wonke umtshali-zimali unobuntu obuhlukile obuthonya izinqumo zabo zezezimali.
I-ET Money inikezela ngesixazululo salokhu ngokuhlinzeka ngocwaningo lwabantu abatshalizimali, olukusiza ukuthi uqonde ukubekezelela kwakho ubungozi futhi uthuthukise isu lezezimali elenziwe ngokwezifiso.
Inkundla iyakuqonda ukubaluleka kokubhekelela izidingo zomuntu ngamunye, yingakho bebuza imibuzo embalwa yokuziphatha ukuze benze ukuhlaziya okunemininingwane yengozi okusekelwe kubuntu bakho. Lokhu kuhlaziya kukusiza ukuthi wenze izinqumo ezinolwazi, uqinisekise uhambo lwezezimali olushelelayo.
Nge-hype yemakethe yamasheya yakamuva ezinkundleni zokuxhumana, kuyalingeka ukugxumela phezulu, kodwa ukwazi ubuntu bomtshali-zimali wakho zisuka nje kungenza umehluko ekufinyeleleni imigomo yakho yezezimali.
(ii) Umhlahlandlela Wesikhwama Sokubambisana
Njengomuntu osenesikhathi esebenzisa i-ET Money, ngingakutshela mathupha ukuthi umhlahlandlela wabo we-mutual fund usezingeni eliphezulu. Okokuqala, banikeza ikhomishini engu-zero nokuthenga nokuthengisa kwamahhala, ngaphandle kwezindleko ezifihliwe. Futhi, banempahla yenani elingaphezu kuka-5000 crore ngaphansi kokwelulekwa, ukuze wazi ukuthi bayinkundla ethenjwayo.
Lapho ngiqala ukuthola izigaba zesikhwama somuntu siqu ze-ET Money, ngahlabeka umxhwele kakhulu. Banezigaba ezingaphezu kuka-30 engxenyeni ye-equity, cishe izigaba ze-mutual fund yezikweletu ezingu-20, kanye nezigaba eziyi-8 ezixubile. Into eyangigqamisa kakhulu ukuqhathanisa abakunikezayo phakathi kwezimali ezisebenza ngokubambisana ezihlukene.
Ngiyazi ukuthi ngezinye izikhathi, ukuba nezinketho eziningi kungaba nzima kubatshalizimali.
Kungakho ngithanda ukuthi i-ET Money yahlulela izimali kumapharamitha ahlukahlukene futhi inikeze isilinganiso se-VRO ezinkanyezini ezingu-5. Ngale ndlela, awudingi ukucindezelwa yizo zonke izinketho - ungavele uye ngqo kulezo ezikalwe kakhulu futhi wenze isinqumo sakho lapho.
(iii) Ukuhlaziywa Kwesikhwama Esisebenzisanayo
Ngakho ekugcineni ukhethe owinile, kodwa bambelela kancane! Kusenesinyathelo esisodwa esibalulekile – ukuhlaziya leso sikhwama. Futhi yilapho i-ET Money ingena khona nethuluzi labo eliphezulu lokuhlaziya isikhwama sokubambisana.
Ngahlabeka umxhwele lapho ngiqala ukuyihlola i-Quant Tax Plan Direct-Growth fund. Ikhadi lombiko olithola esikrinini ngokushesha lilinganisa isikhwama ngokusekelwe ekusebenzeni kwaso nobungozi, zombili zilinganiselwe ngezinkanyezi ezi-5 kulokhu.
Futhi uma ufana nami futhi uthanda ukubona izinombolo, kunesibali sokubala esibala umcebo ongase ube nawo ngokusekelwe ku-SIP yakho noma isamba ositshalile, ngokufaka nje imininingwane embalwa njengenani lokutshalwa kwezimali, idethi, nesikhathi sokuhlala.
Kodwa akugcini lapho. Skrolela phansi kancane futhi uzobona ukumelela okubonakalayo kokusebenza kwesikhwama uma kuqhathaniswa nesilinganiso sesigaba, kanye nokuqhathanisa okuningiliziwe kwembuyiselo yaso engase ibe khona nezinye izimpahla ezidumile njengamadiphozithi angaguquki negolide.
Lokhu kubaluleke kakhulu ngoba, masibe ngokoqobo, isikhwama sokubambisana kufanele senze kangcono kunalezi zinketho eziphephile esikhathini esithile ukuze sibekezelele ubungozi esibuthwalayo.
Futhi uma ufuna ukungena emininingwaneni ye-nitty-gritty, ukuhlaziywa kuphinde kunikeze lonke ulwazi oluyisisekelo mayelana nesikhwama, njengesilinganiso saso sezindleko, umthwalo wokuphuma, izimpahla ezingaphansi kokuphatha, iminyaka, nokuningi.
Ngakho-ke, ngamafuphi, ithuluzi lokuhlaziya isikhwama se-ET Money liyindawo eyodwa yazo yonke imininingwane ye-mutual fund oyidingayo ukuze wenze izinqumo zokutshala izimali.
(iv) Umhloli Wempilo Yephothifoliyo
Wake wazibuza ukuthi iphothifoliyo yakho ye-mutual fund iphelele yini?
I-ET Money's Portfolio Health Checker ingakusiza ukuthi uthole! Leli thuluzi elimangalisayo lihlaziya iphothifoliyo yakho kumapharamitha angu-12 ahlukene, likunikeza ukuhlaziya okuphelele nokujulile.
Ngisebenzise leli thuluzi ngokwami futhi ngingasho ukuthi liyisindisi sempilo sangempela, esithenjwa ngabasebenzisi abangaphezu kuka-70 lakh. Kwesinye isikhathi ngisho nenhlanganisela engcono kakhulu yezimali ingase ingadluli imakethe, kulapho i-Portfolio Health Checker ingena khona.
Izokunikeza ukuhlolwa okunembile kwephothifoliyo yakho, ikubonise ukuthi inolaka noma iconga kakhulu, uma uchayeke ngokweqile emkhakheni othile noma isigaba sempahla, nokunye okwengeziwe.
Ukubuyekeza imininingwane yephothifoliyo yakho konke okudingekayo, futhi ithuluzi lenza okunye. Uzothola isibuyekezo esibanzi, esikunikeza isithombe esiphelele sempilo yephothifoliyo yakho.
(v) Ohlakaniphile
Wake wafuna izeluleko zokutshala imali kubangani, omakhelwane, noma ozakwethu?
Uma ungumNdiya, ngiyaqiniseka ukuthi ukwenzile. Uma uqala ukutshala imali, imibuzo ayipheli - ukuthi yini ongatshala kuyo, ukuthi uyitshale malini, nokuthi uyitshala nini kumane kuyiphuzu leqhwa. Faka isici se-ET Money's Genius.
Inqubo ayikwazanga ukuba lula. Ngokusekelwe kumkhathizwe wakho kanye nobuntu bomtshali-zimali, i-Genius incoma amaphothifoliyo enziwe aba ngewakho adalwe ngochwepheshe bomkhakha.
Lawa maphothifoliyo ayinhlanganisela yezimpahla ezifana nezabelo ze-Indian, izabelo zakwamanye amazwe, igolide, izikweletu, nokunye okwengeziwe, okuklanyelwe ngendlela yakho engozini. Futhi ingxenye engcono kakhulu? I-Genius iphinde ilandelele imakethe futhi ikunikeze imininingwane ukuze ikusize ulinganise kabusha iphothifoliyo yakho, ukuze ugcine ukutshalwa kwezimali kwakho kusendleleni.
Izindleko zanyanga zonke zingama-rupee angu-249, kuhlanganise ne-GST, futhi zikhokhiswa njalo ngekota.
Ngihlatshwe umxhwele uhlelo lwamanani oluphansi lwe-ET Money, okusho ukuthi kungakhathaliseki ukuthi ungakanani usayizi wephothifoliyo yakho, uyohlale ukhokhiswa inani elifanayo nyanga zonke. Futhi kukhona umnikelo okhethekile oqhubekayo lapho ungathola khona izinyanga ezi-3 zokuqala ngama-rupee angama-49 kuphela ngenyanga!
(vi) Umshwalense
Njengomuntu osebenzise i-ET Money isikhashana manje, ngingakutshela ukuthi enye yezinto engizithanda ngenkundla isici sayo somshuwalense.
Kuyahlinzeka umshwalanse we mpilo kanye nomshwalense wokuphila wesikhathi eside, okuyizinqubomgomo zomshwalense ezimbili eziyisisekelo okufanele wonke umuntu abe nazo. Lezi zinqubomgomo ziklanyelwe ukukunikeza ukuvikeleka kwezezimali uma kwenzeka kuba neshwa futhi zikusize uvikele ikusasa labathandekayo bakho.
Umshwalense wempilo yethemu, isibonelo, ukuhlinzeka ngohlelo oluqondene nawe olususelwe eminyakeni yakho, ubulili, imikhuba (obhemayo noma ongabhemi), kanye nemali engenayo yonyaka. Esimeni sokushona ngeshwa, imali yokuvuthwa ayikhokhiswa intela, ikunikeza wena nobathandayo ukuthula kwengqondo ngezikhathi ezinzima.
Ungakwazi ngisho nokwenza ngokwezifiso imigomo, ukukhava, noma ezinye izinzuzo ukuze zivumelane nezidingo zakho, futhi uma kudingeka, ungakhansela inqubomgomo phakathi kwezinsuku eziyi-15.
Ngakolunye uhlangothi, inqubomgomo yomshwalense wezempilo we-ET Money ikuvumela ukuthi uthengele umndeni wakho wonke uhlelo lomshwalense wezempilo oluhlanganisiwe. Le nqubomgomo ihlinzeka ngokuhlolwa kwezempilo kwamahhala ngezikhathi ezithile, futhi ungakwazi ukuthola ukwelashwa okungenamali ezibhedlela ezihamba phambili ezweni lonke.
Yini more, ungakwazi ngisho gcina izintela kufika ku-15600, futhi inqubomgomo ayihlanganisi nje izindleko zokulaliswa esibhedlela, kodwa zonke izindleko ezixhunywe kuyo, izinsuku ezingu-30-60 ngaphambi noma ngemva kokwelashwa.
Umuzwa womsebenzisi nesixhumi esibonakalayo
Njengomsebenzisi wenkundla ye-ET Money, ngingasho ukuthi i-UI iyasebenza futhi yenza umsebenzi wenziwe. Izigaba zedeshibhodi zihlelwe kahle futhi zivumela ukufinyelela okusheshayo kumathuluzi ahlukahlukene njengezimali ezihlanganyelwe, izabelo, amaphothifoliyo e-Genius, nezibali.
Inketho ethi "I-Akhawunti Yami" phezulu kwesokudla iyithuluzi eliwusizo eligcina umkhondo wazo zonke izimpahla zakho endaweni eyodwa, okwenza kube lula ukuqapha ama-SIP akho, okwenziwayo, nenye idatha yokutshalwa kwezimali.
Nakuba inguqulo ye-PC ihlelwe kahle, ngincamela uhlelo lokusebenza lweselula lwe-ET Money ngobulula balo kanye ne-UI esebenziseka kalula. Ezweni lanamuhla elisheshayo, kulula kakhulu ukuphatha ukutshalwa kwezimali usohambweni, futhi uhlelo lokusebenza lenza umsebenzi omuhle wokuqinisekisa ukuthi amakhasimende afinyelela kuwo wonke amathuluzi awafunayo ngesitayela esisebenziseka kalula.
5. Izimali nezindleko
Ngenketho yabo ye-Direct Mutual Funds, ungatshala imali ngaphandle kokukhathazeka nganoma yiziphi izinkokhiso ezifihliwe noma amakhomishini, kokubili ngesikhathi sokuthenga nokudayisa amayunithi. Futhi, uma ungathanda ukuvula i-akhawunti ye-NPS, kunenkokhelo yokuvula i-akhawunti yesikhathi esisodwa engu-Rs 400 + GST.
Ngokwenziwayo ngakunye, kunenkokhelo encane engu-0.25% yenani lokutshalwa kwezimali + GST noma ama-Rs. 30 + GST. Ngokuqondene nobulungu babo be-Genius, iza nemali yanyanga zonke yama-Rupee angu-249, kuhlanganise ne-GST, ekhokhiswa njalo ngekota.
Kodwa njengoba kushiwo esigabeni esithi 'Genius', okwamanje banikezela ngokubhaliselwe kwe-'Genius' okungu-49/ngenyanga ezinyangeni ezi-3 zokuqala.
6. Ukwesekwa kwamakhasimende
Uma kuziwa ekusekelweni kwamakhasimende, i-ET Money ikuvikele. Inkundla inikeza ingcebo yolwazi ngendlela yemibuzo evame ukubuzwa ukukusiza ukuxazulula ngokushesha izinkinga ezivamile. Nokho, uma uhlangabezana nenkinga engakhaviwe kuma-FAQ, indlela yokulungisa isikhalazo sekhasimende le-ET Money ihlezi ilapha ukuze ikusize.
Vele ukhuphule ithikithi bese ithimba le-ET Money lizophenya ngokushesha udaba bese libuyela kuwe nesixazululo. Kungakhathaliseki ukuthi ufuna usizo ngenkinga yobuchwepheshe noma unombuzo mayelana ne-akhawunti yakho, i-ET Money izimisele ukukunikeza usekelo oludingayo ukuze ube nolwazi lokutshala izimali olungenazihibe.
7. Ukuphepha nokuphepha kwedatha yomsebenzisi
Uma kuziwa ekutshalweni kwezimali, ukuphepha nokuphepha kuhlala kuyizinto ezingikhathaza kakhulu. Ngokujabulisayo, ngithole ukuthi uhlelo lokusebenza lwe-ET Money luzithatha ngokungathi sína lezi zinto. Uhlelo lokusebenza lubhaliswe ne-SEBI, okuwuphawu oluhle, kodwa okulwenza luhluke kakhulu ukusebenzisa kwayo ukubethela ukuze kuvikelwe idatha yomsebenzisi.
Ngaso sonke isikhathi uma ngingena, ngiyazi ukuthi ulwazi lwami lomuntu siqu kanye nemininingwane yokutshalwa kwezimali kuvikelekile futhi kuvikelekile ekuntshontshweni noma ekusetshenzisweni kabi.
Ngakho-ke, ngingaphumula kalula ngokwazi ukuthi ikusasa lami lezezimali lisezandleni ezinhle
I-8. Ukulinganiselwa
Ngisebenzisa i-ET Money, ngiphawule izithiyo ezimbalwa ezingahle zishiwo. Okokuqala, isici sokuvuselela ngokuzenzakalela sokubhaliselwe kwe-Genius singaba buhlungu uma ukhohlwa ukusikhansela. Ngokungafani nezinye izinkundla, i-ET Money ayinikezi imbuyiselo yezinga eliphakeme ngesikhathi esingasetshenzisiwe.
Ukwengeza, konke ukulinganisa kabusha kuletha umthwalo wokuphuma, ngakho-ke qaphela lokho uma ucabanga ukusebenzisa uhlelo lokusebenza ukuze uphathe izimali zakho ezitshalile.
Olunye udaba engike ngahlangana nalo ukuntula ukwesekwa bukhoma. Uma udinga usizo, uzodinga ukuthi uthumele ithikithi bese ulinda ithimba le-ET Money ukuthi liphenye. Alukho usekelo lwefoni olutholakalayo futhi, ngakho-ke lokho kungaba inselele uma udinga usizo ngokushesha.
Okokugcina, ngenkathi i-ET Money ithi ihlinzeka ngezincomo zephothifoliyo yomuntu siqu, izinketho abazinikezayo zinganqunyelwa ngokusekelwe kulwazi olunikezayo. Kungaba kuhle uma benweba ukunikezwa kwephothifoliyo yabo ngokuzayo ukuze banikeze izincomo ezenziwe zaba ngezakho nakakhulu.
Sekukonke, lezi yimikhawulo embalwa okufanele uyiqaphele, kodwa akufanele isuse umuzwa omuhle engibe nawo nge-ET Money.
9. Izincomo kubasebenzisi
Uma umusha ekutshaleni imali nasekufuneni inkundla yokuphatha izimali zakho, i-ET Money ingase ibe inketho ehlakaniphile. Uhlelo lokusebenza luyindlela enhle kakhulu yokwenza izinyawo zakho zibe manzi emhlabeni wokutshala izimali, ngesakhiwo esisebenziseka kalula kanye nezinhlobonhlobo zezindlela zokutshala izimali ongakhetha kuzo.
Kodwa-ke, uma kukhulunywa ngamakhono athuthuke kakhulu, njengobulungu be-ET Money Genius, ngingakweluleka. Nakuba ngiqinisekile ukuthi amaphothifoliyo enziwe ngendlela efanele kanye nezinye izici ze-premium ziwusizo kwabanye, angicabangi ukuthi zingifanele.
Amasevisi amahhala kufanele nakanjani uwahlole, kodwa ngaphambi kokuzibophezela ekubhaliseni kwanyanga zonke, ngingacabanga ukulinganisa izindleko kanye nezinzuzo.
shiya impendulo