Bengilokhu ngihlola ukutshalwa kwezimali okungezona ezimakethe isikhathi eside manje, futhi ucwaningo lwami lwembule amaqiniso athakazelisayo.
Ukuhlukahluka kuhlale kuyisihluthulelo sokugcina a iphothifoliyo elinganiselayo enembuyiselo ezinzile.
Ukwehlukahlukana ube yizigaba ezihlukene zempahla kuqinisekisa ukuthi ukutshalwa kwezimali kwakho akuncikile ekusebenzeni kwesigaba esisodwa samathuluzi ezezimali. Ngakho-ke, lapho isigaba sempahla singasebenzi kahle, ukutshalwa kwezimali kwesinye isigaba sempahla kungakonga imali yakho ukuthi ingaqedi.
Kulapho engathola khona i-Grip (GripInvest), izwe lamathuba okutshala imali angekho emakethe angancikile ekusebenzeni kwemakethe yamasheya.
UGrip ungikhuthaze ukuthi ngibone ngale kwediphozithi engaguquki, amasheya, kanye igolide ukutshalwa kwezimali ukuze ngithole ukuhlukahluka okuzinzile kwephothifoliyo yami yokutshala imali kuyilapho ngizuza imbuyiselo enhle.
Kodwa, ngaphambi kokuthi singene ekubuyekezeni kwami i-Grip, ake ngethule amagama ayisisekelo engizowasebenzisa kuso sonke isiqephu sendatshana.
Funda Izisekelo
I-Alternative Investment Fund
I-Alternative Investment Fund (AIF) isho imoto yokutshala imali esungulwe njengeqoqo langasese lezimali elenziwa abatshalizimali abahlukahlukene abanamathikithi aphezulu. Abatshalizimali abasezingeni eliphezulu bahlanganisa imali yabo ngalawa ma-AIF futhi bayitshale kwamanye amathuluzi ezezimali ngaphandle kwalokho izibopho, amasheya noma ukheshi.
Imvamisa, i-hedge funds, i-venture capital funds noma izimali ezizimele zenziwa ngama-AIF. Ngokungafani izimali zomphakathi, lezi zimali ezitshaliwe azixhunyiwe emakethe futhi ngokuvamile zihloselwe abantu abanenani eliphakeme elinenani elikhulu lokutshalwa kwezimali.
Amathuba okutshala imali angaxhumene nezimakethe
I-Market Linked Investments yilawo mathuluzi ezezimali lapho impahla eyisisekelo ixhunywe emakethe yamasheya.
Isibonelo, uma ngitshala ku-mutual funds ehlanganisa ukutshalwa kwezimali okuvela kubantu abahlukahlukene ukuze ngitshale inani eliqoqiwe ezimakethe zamasheya ukuze ngithole imbuyiselo, ixhunywe emakethe.
Ngakolunye uhlangothi, uma impahla eyisisekelo ingahlotshaniswa nemakethe yamasheya, ibizwa ngokuthi amathuba okutshala imali angaxhumene nezimakethe. Lapha, ukutshalwa kwezimali kwenziwa ezimpahleni ezifana nezindlu ezithengiswayo, iziqalo ezingafakwanga ohlwini, njll.
Iyini iGrip?
I-Grip iyinkundla yokutshala imali yedijithali esebenzisa izindlela eziqhutshwa ubuchwepheshe ukuze inikeze ulwazi olushelelezi lokutshala izimali kubatshalizimali bazo zonke izinhlobo.
Umbono we-Grip uwukugcina umtshali-zimali njengobaluleke kakhulu kuyilapho enqamula amathuba okutshala imali ashintshwe ubungozi. Nge ukuhlukahluka emnyombweni wawo, la mathuba otshalomali angaxhumene nemakethe asiza ekudaleni ingcebo kubatshalizimali, kungakhathaliseki ukuthi bangakanani abatshalile.
Ngemva kwenqubo eqinile yokukhuthala, i-Grip iphinde yasebenzisana nabalingani bezinkampani abangaphezu kuka-70 ukuze bakhe la mathuba okutshala imali.
Isebenza kanjani i-Grip?
I-Grip yenza amathuba okutshala imali angaxhumene nezimakethe abe lula kakhulu futhi aphephe.
Nansi indlela engaqala ngayo nge-Grip:
- Ngidlule endaweni yabo ukuze ngibone amathuba ehlukene okutshala imali. Lokhu bekuhlanganisa izinhlelo zokutshala izimali ezingaxhumene nezimakethe ezifana nezohwebo ukuthengisa izindlu, ukutshalwa kwezimali okusekelwe yimpahla kubatshalizimali ukuze bathole imbuyiselo ngesikweletu sebhizinisi nokunye okuningi! Engakuthanda kakhulu ngeplathifomu ye-Grip ukuthi ngakwazi ukubona amaphuzu abalulekile otshalomali, impahla eyisisekelo, kanye nembuyiselo yesikhashana engangingayilindela. Ngingakhetha ukuthi ngifuna ukutshala malini nokuthi kuphi. Gamba ikwenze kwaba lula kakhulu kimina ukuqonda amathuba okutshala imali ngale kwegolide namasheya.
- Ngabe sengiqeda i-KYC yami kuplathifomu ye-Grip ngenqubo yedijithali esheshayo nengenamthungo futhi ngenza i-e-sign yami ukuze ngiqalise. Inqubo yokukhokha iphinde yaba yinto eshelela kakhulu futhi engenazo izinkinga nezinketho eziningi ezitholakalayo. Manje, ngase ngilungele ukujabulela izinzuzo zephothifoliyo yami ehlukahlukene ngamathuba okutshala imali angaxhumene nemakethe!
- Okulandelayo, ngatshala kumathuluzi emali engenayo engaguquki atholakala kunkundla ye-Grip ukuze ngithole imbuyiselo yanyanga zonke. Ukhululekile ukukhetha ohlwini olubanzi lwezinketho zokutshala izimali ngokuqonda ubungozi bazo kanye nembuyiselo. Njengewashi, izimbuyiselo ezinqunywe kusengaphambili ezihlobene namathuluzi ami okuthola imali engashintshi zifinyelele ku-akhawunti yami ye-Grip Vault. Ngingathola kalula futhi ngokuqondile lezi zimbuyiselo ku-akhawunti yami yasebhange
Ngokwethulwa kwe-Grip ngo-2020, abatshalizimali bamathikithi abancane banikezwe indlela entsha sha ukuze batshale imali futhi bathole imbuyiselo ehloniphekile. Ukuhlukahluka kwaba nencazelo entsha, futhi inkundla ye-Grip esebenziseka kalula yaheha inqwaba yamehlo ngokushesha.
Ngombono wokwenza intando yeningi amathuba okutshalwa kwezimali angaxhumene nezimakethe njengamathuluzi ezezimali axhaswe yimpahla, okuhlanganisa izimoto eziqashisayo noma ifenisha, ukungena endaweni yezohwebo kanye nokutshala imali ekuqaliseni okusesigabeni sokuqala.
IGrip Iyenza Kanjani Imali?
I-Grip izuza imali ngokukhokhisa ikhomishini encane ezimbuyiselweni. Njengamanje, ikhokhisa cishe ikhomishini engu-2% ezimbuyiselweni zanyanga zonke ezinikezwa abatshalizimali. Ngakho-ke, i-Grip ikhokhelwa kuphela lapho abatshalizimali bekhokhelwa. Futhi banemali yokucubungula engu-1% abayikhokhisa ozakwethu ababaqashisayo. Le modeli esobala isiza u-Grip ukuthi azuze ukwethenjwa ngabatshalizimali futhi akhethe ozakwethu abangcono kakhulu, abagqugquzelwa ukukhula kakhulu.
I-Grip ilandela inqubo yokucophelela ngaphambi kokubambisana nenkampani ukuze kuqinisekiswe ukuphepha okuphelele kokutshalwa kwezimali. Enye into engangiyithanda ngeplatifomu yeGrip ukugxila kwayo ekugcineni obala kubatshalizimali.
Banikeze ulwazi olujulile kuwo wonke amathuba okutshala imali abawadalile. Lokhu kusiza abatshalizimali ukuthi baqonde umkhiqizo ngaphambi kokuthi batshale imali kuwo, kunokubheka izinzuzo kuphela.
Uzakwethu ngamunye abambisana naye naye unephrofayela, futhi ubungozi, imigomo yezohwebo, njll., kugqanyiswa kubatshalizimali ngaphambi kokuba bakhethe ukutshala imali.
Amathuba okutshalwa kwezimali okungaxhumene nemakethe masha impela, futhi le ndlela yokugcina izinto ezingafihli lutho zihamba ibanga elide ekusunguleni ukwethembana kubatshalizimali.
Ihluke kanjani i-Grip ku-AIF?
I-Alternative Investment Funds (AIFs) ilawulwa yi-SEBI futhi ihlukaniswe izigaba ezintathu, ngasinye sinesethi ethile yemithetho okufanele ilandelwe.
Ubuncane bokutshalwa kwezimali obudingekayo ukuze utshale ku-AIF ngama-Rs. 1 crore, okukhawulela ukufinyelela kwabatshalizimali bamathikithi amancane kuleli thuluzi elinobungozi obukhulu.
I-Grip ingene njengenye inkundla yokutshala imali, ehlinzeka ngamathuba ayingqayizivele okutshala imali. Inhloso yawo bekuwukuqinisekisa ukufinyeleleka kwazo zonke izinhlobo zabatshalizimali.
Ozakwethu be-Grip nama-SEBI abhalisiwe e-AIF ukuze basize iziqalo ezinenzuzo enkulu zikhuphule imali. I-Mukunda Foods, inkampani yamarobhothi okudla eyakhulisa imali evela eZomato, ibe ngelinye lamathuba okuqala atholakala nge-platform ye-Grip.
Uthe inechibi labatshalizimali labatshalizimali abangu-2.5 lakh, i-Grip ibeka abatshalizimali bamathikithi abancane babambe iqhaza ohlelweni olukhulayo lokuqalisa olunabatshalizimali abasezingeni eliphezulu, into ama-AIF abengeke akwazi ukuyenza ngokuzimela.
Izingozi Nemivuzo Yokubamba (Okuhle Nebubi)
Izingozi
Yonke inkundla iphethe isethi yayo yezingozi. Ingozi enkulu ngamathuba okutshalwa kwezimali okungaxhumene nezimakethe kungenzeka kube ukuntuleka kwemithethonqubo kanye nokushoda kolwazi mayelana nalesi sikhala.
Obunye ubungozi bubandakanya ubungozi obuhlobene nemikhiqizo ngayinye. Ake sithathe ukuqashisa, isibonelo. Uma ngitshala imali ngokuqashisa nge-Grip, izimali zami zihlanganiswa nabanye abatshalizimali ukuze ngitshale empahleni efana nefenisha, izimoto, noma okokusebenza, okube sekuqashiselwa izinkampani.
Ingozi lapha ingaba ukuthi inkampani yehluleka ukwenza izinkokhelo zokuqashisa ngesikhathi noma ukuthi impahla ayikwazi ukubuyiselwa futhi ithengiswe ukuze kwenziwe inani elisele.
Ngokutshalwa kwezimali kokuqala, kunengozi enkulu nomvuzo omkhulu, oncike ekusebenzeni kokuqalisa. Njengoba amathuba okutshalwa kwezimali okungaxhumene nemakethe ancike ekusebenzeni kwempahla eyisisekelo ukuze uthole imbuyiselo, ubungozi buphezulu futhi abulawulwa.
Ngaphezu kwalokho, uma uvuma ukutshala imali ekuqaliseni ukulingana nge-Grip, uyavuma futhi ukutshala isamba esingu-INR 25,00,000 esikhathini esiyiminyaka emi-5 kusukela ngedethi owenza ngayo ukutshalwa kwezimali kokuqala.
Ngincoma kakhulu ukufunda yonke itemu nezimo uGrip anazo ngaphambi kokutshala imali.
imivuzo
Ngaphezulu kwezigidi ezingama-26 ezitshalwe abasebenzisi, irekhodi le-Grip alinakho okuzenzakalelayo okukodwa kuze kube manje. Bakhetha ngokucophelela izinkampani ngemuva kwenqubo eqinile yokukhuthala ukuze baqinisekise amathuba ambalwa okuzenzakalelayo.
Ngaphezu kwalokho, bahlela ukutshalwa kwezimali kwabo ngendlela yokuthi u-7.5% -15% wokuqashisa uthathwe njengediphozithi yesibambiso.
Ukungena emathubeni otshalomali angaxhumene nemakethe nokunikeza ukufinyelela kubatshalizimali bazo zonke izinhlobo kungenye yezinzuzo ezinkulu ze-Grip.
- Isifinyezo sezinzuzo ezehlukene zokutshala imali nge-Grip zifaka:
- Bahlola ngokucophelela izimpahla ngaphambi kokuthatha utshalomali kithi.
- Badalula ubungozi nemivuzo ngokuphelele futhi basize ekudluliseleni ulwazi lokuthi utshalomali luzosebenza kanjani.
- Bahlangana nezinkampani ezithembekile ukuze banikeze izinzuzo eziphephile nezizinzile - futhi badalula imininingwane yenkampani kubatshalizimali.
- Ukutshalwa kwezimali engikwenzayo kubhekwa njengebhizinisi elihlukile ngaphandle kokuhlanganisa kunoma iyiphi enye imali. Lokhu kungisiza ukuthi ngilawule ukuthi utshalomali lwami lugeleza kuphi.
- Inkundla yabo esebenziseka kalula kakhulu yenza uhambo lokutshala izimali olushelelayo.
- Bazibophezela ekugcineni idatha efana ne-PAN ne-Aadhaar (edingeka ku-KYC) iphephile ngokuphelele.
I-Grip iwusizo ikakhulukazi kubatshalizimali abasha abafuna amathuba okuthola imali engenayo. Inkundla yabo okulula ukuyizulazula iwina wonke amaphuzu e-brownie ukuze uthole ulwazi olugculisayo lwekhasimende, oluhamba ibanga elide ekusunguleni ukwethembeka nokwethenjwa.
Ubani okufanele atshale imali nge-Grip?
Ubuncane bokutshalwa kwezimali kwemikhiqizo eqashiswayo noma esekelwe kuhlu yi-Rs. 10,000 ku-Grip. Ukuqashisa kuza neminyaka emi-2 kuya kwemi-3, futhi i-inventory iza nezinyanga eziyisi-6. I-Commercial Real Estate inikeza imbuyiselo yekota kodwa idinga ukutshalwa kwezimali okuncane kwama-Rs. 1,00,000.
Kubalulekile ukuthi abatshalizimali benze izinqumo ezinolwazi kuphela ngemva kokuqonda ubungozi obuhilelekile nokuthi imbuyiselo ihlanganisani ngempela. Ukukhetha amathuba okutshala imali angaxhumene nezimakethe kudinga ucwaningo olufanele mayelana nokuthi izinkampani zingobani nokuthi utshalomali lwakho luzoyiswa kuphi.
I-Grip ihloselwe ukubhekelela abatshalizimali bamathikithi amancane kodwa ihamba ngaphezu kwalokho ngokufundisa abatshalizimali ngezindlela ezintsha zokutshala imali.
diversification ingenye yezinjongo eziyinhloko zanoma yimuphi umtshali-zimali, futhi ukuba nezinto eziningi ezintsha zezezimali ongakhetha kuzo kwenza kube lula ukuba nephothifoliyo ehlukahlukene.
Nokho, ukukhetha ngokucophelela ukutshalwa kwezimali ngakunye kuphothifoliyo yakho kuzosiza ekwandiseni ingcebo ngendlela ephumelela kakhudlwana.
I-Vishal
Sawubona, angikwazi ukuthola ubuncane be-investimenti engu-25L esigatshaneni seminyaka emi-5 ekhasini lamanje lemigomo nemibandela, esusiwe https://www.gripinvest.in/legal#termsAndConditions ?
Sicela usize futhi ubuyekeze ulwazi uma kudingeka. Ngiyabonga
Aayush Bhaskar
Isekhona, chofoza ukulingana kwe-Startup ngaphansi kweminikelo esebenzayo.- https://jmp.sh/WCdi6Sx
I-Pappu
Baye bahluleka izikhathi eziningi, kodwa bakhokha kuphela lapho befaka isikhalazo.
Aditya
Laba bafana baphume nephromoshini yokubhaliselwe kwamahhala kwe-ET Prime uma uqeda i-KYC yakho. Yize beqede okufanayo kodwa abakaze balandele esikimini. Lokhu ngisho nangemva kokubathumela i-imeyili. Uma bengahloniphi u-R1000. uhlelo lokuphromotha, umuntu akasoze acabanga ukutshala imali ngabo.