Njengoba abantu abaningi ngokwengeziwe betshala izimali ezimakethe zase-Indian Stock Markets, amafemu amaningi abathengisi beza ukuze basebenzise leli thuba.
Ezimweni ezinjalo, i-Groww ibonakala isiphenduke inkundla yokutshala imali edumile yabantu abaningi. Uma udidekile ngokuthi kufanele uyisebenzise noma iyiphi enye inkundla, bese ubheka isibuyekezo sami se-Groww.
Kungaba uhlu lwezici noma izimali ezihilelekile kuhlelo lokusebenza, ngizame yonke into endaweni yesikhulumi, futhi nakhu engikuthatha ngakho.
Iyini i-Grow?
I-Groww inkundla yokudayiselana ngamasheya lapho abasebenzisi bengathenga khona kalula amasheya, i-Mutual Funds, igolide, futhi babambe iqhaza kuma-US Stocks. Iphinde ikuvumela ukuthi ubambe iqhaza ezimakethe eziyinhloko, okungukuthi, ama-IPO.
I-Groww igama lomkhiqizo we-Nextbillion Technology Private Limited, i-SEBI Stockbroker ebhalisiwe futhi eyilungu le-National Stock Exchange (NSE) kanye ne-Bombay Stock Exchange(BSE).
Kuyinkundla yokudayiswa kwamasheya eku-inthanethi futhi ayinikezi amathiphu noma izincomo. Nokho, ungafunda mayelana izimakethe zesitoko, ukutshala imali, nokunye okuningi nge-E-books namavidiyo endaweni yesikhulumi.
Izici Ze-Groww App
Nge Khulisa uhlelo lokusebenza, ungathenga amasheya, wenze uhlu lokubuka lomuntu siqu lutshale kuma-SIP anyanga zonke, nokunye okuningi. Ake sibheke zonke lezi zici ngokuningiliziwe.
1. Ideshibhodi Ehlaba umxhwele
Ideshibhodi yohlelo lokusebenza ikuvumela ukuthi uzulazule kuzo zonke izimali ozitshalile, izintengo zamanje, nezimpahla ezihamba phambili nezisebenza kabi kakhulu zosuku. Ungamane uguqule isikrini futhi wazi konke okufunayo.
2. Izimpahla Eziningi
Ukusuka ezitokisini, kwi-Mutual Funds, kanye nama-FD kuya kuma-IPO, Idijithali yegolide, kanye nama-ETF, i-Groww ikulethela amathuluzi amaningi okutshala imali. Iphinde inikeze inketho ye-Futures & Options yabahwebi. Ungenza kalula ukutshalwa kwezimali ngokuthepha okukodwa kuzo zonke lezi zimpahla.
3. Ulwazi Oluphelele Lwempahla
Nge-Groww, ungakwazi ukukhululeka engxenyeni yakho yocwaningo yanoma iyiphi impahla. Ikunikeza imininingwane enemininingwane mayelana nenkampani.
Ungakwazi ukuqapha ngokucacile amashadi wezimpahla ukuze uthole umbono mayelana nokunyakaza kwentengo. Ikunikeza nomlando ophelele wokusebenza kwefa.
Ungafunda izindaba zamanje mayelana nenkampani kanye nemicimbi yayo ezayo. Lonke lolu lwazi lunomthelela omkhulu ezintengo zesitoko ngakho-ke, kufanele wazi ngazo.
4. Ukubekwa Kwe-oda Ngokuchofoza Okukodwa
I-Groww ikuvumela ukuthi wenze izinkokhelo ezingenazo izinkinga kanye nokutshalwa kwezimali ngokunethezeka kweminwe yakho. Ivumela abasebenzisi ukuthi bafake ama-oda ngokuchofoza okukodwa ngokumane bakhethe isitoko bese bechofoza okuthi "Thenga".
5. I-Smartsave
Isici esisha kakhulu esethulwe ngabakwa-Groww esikuvumela ukuthi ugcine imali yakho kuyilapho uthola izinzuzo eziphezulu kune-akhawunti yasebhange yokonga. Igcina imali yakho ku-ICICI Prudential Liquid Fund, esiza ekwandiseni inzalo yakho kanye nobungozi bokunciphisa.
Abasebenzisi banakho kokubili inketho yokutshala imali eyisamba noma ukukhetha i-SIP yanyanga zonke.
6. Izinhlu zokubuka ezenziwe ngokwezifiso
Nge-Groww, uthola ukwenza owakho uhlu lokubuka. Ungahlukanisa ukutshalwa kwezimali kwakho kwesikhathi eside kanye nokutshalwa kwezimali kwesikhashana ngalokhu, noma ukusebenzise ngendlela othanda ngayo. Lokhu kukuvumela ukuthi uhlukanise amafa ahlukene futhi kukunikeza isithombe esikhulu ngemininingwane eyengeziwe.
7. Khansela/ Misa I-SIP Eqhubekayo
I-Groww inikeza ukuguquguquka okukhulu negunya kumakhasimende ayo uma kuqhathaniswa nemithombo evamile yokutshalwa kwezimali. Ivumela abasebenzisi kalula ukuthi bakhansele, bamise i-SIP eqhubekayo, noma bashintshele kwenye uma umthengi ebona kufanelekile.
Ngakho-ke, abatshalizimali bangatshala noma nini lapho befuna, nganoma yisiphi isikhathi abasifunayo, kanye nenani elincane lokuqala elingu- ₹ 500 nje.
8. Iphothifoliyo Ukuqonda Nokuphatha
Iphothifoliyo iqoqo noma ubhasikidi wohlobo olufanayo noma oluhlukene lwezibambiso lapho othile ehlose ukubeka khona utshalomali lwakhe.
Ukuba nephothifoliyo kubangela ukuthi umuntu asabalalise ubungozi phakathi kwamasethi amaningi ezibambiso, okuholela enzuzweni ephakeme enhlokodolobha. I-Groww ikuvumela ukuthi udale futhi uphathe iphothifoliyo yakho ukuze ulandelele isethi ehlukahlukene yezibambiso onazo.
The Different Investment Instruments Of Groww
Kunezinhlobo ezahlukene zezinketho zokutshala izimali eziza nohlelo lokusebenza lwe-Groww. Ayikuvumeli nje ukuthi utshale imali kuzo kodwa futhi ikunikeza isikhombikubona esibushelelezi nesisebenziseka kalula esiyenza isheshe iqale.
Ake sizibheke ngokuningiliziwe.
1. Amasheya
Ithuluzi lokuqala nelidume kakhulu lokutshala imali endaweni yesikhulumi yiZitoko. Abasebenzisi bangaskrolela kalula ezitokweni ezithrendayo.
Ufinyelela ngisho nokuhlola izitoko eziphezulu ezizuzayo, izitoko ezilahlekelwa kakhulu, nezinye izihlungi eziningi ezithuthukile kuhlelo lokusebenza. Ikuvumela nokuthi ubone uhlu oluhlukahlukene lwezitoko ezihlelwe emikhakheni yazo noma ngekhephu yemakethe yazo.
Sekukonke, ungahlunga noma yini endaweni yesikhulumi bese unquma ngezitoko ozethemba kakhulu ngazo.
2. Izimali ezihlangene
Uma ungeyena umthengisi osebenzayo futhi othile othanda nje ukuthola imali engenayo ezinzile, i-Mutual Funds ingaba ukukhetha kwakho okuthandayo. Uhlelo lokusebenza lokukhulisa likuvumela ukutshala izimali ku-Mutual Funds ngemizuzu. Ungakwazi kalula ukucinga i-MF oyikhonzile futhi kungenzeka kakhulu ukuthi uzoyithola endaweni yesikhulumi.
Njengoba uvula ideshibhodi ye-Mutual Funds, ungakwazi ukuhlunga kalula ukukhetha kwakho. I-Groww ikunikeza i-Mutual Funds edumile kanye nezinye zezinketho ezikhethwe ngesandla kusuka endawenikazi.
Ungaphinda ukhethe ama-NFO (Iminikelo Yesikhwama Esisha) evumela abatshalizimali bangaphambi kwesikhathi babambe iqhaza esikhwameni. Ngezimali ezahlukahlukene endaweni yesikhulumi, ungaziqhathanisa futhi unqume oyithandayo.
3. Idiphozithi Engaguquki
Nakuba i-Groww inikeza izimpahla eziyingozi kakhulu, futhi inikeza izinketho eziphephile zokutshala izimali kubasebenzisi bayo.
Ungatshala imali kuma-Fixed Deposits aphephile futhi avikelekile anenzalo enkulu. U-Groww uthembisa ukuthi azikho izinkokhiso ezifihliwe kulokhu kutshalwa kwezimali, futhi ungathola ama-FD akho kuma-akhawunti amaningi asebhange.
Abantu abadala banikezwa ngisho nenzalo eyengeziwe engu-0.5% kuwo wonke ama-FD asebhange.
4. Amasheya ase-US
Lokhu ukugqama kohlelo lokusebenza lwe-Groww. Ungakwazi kalula ukutshala imali ezitokisini zase-US ngokunethezeka kwe-akhawunti yakho efanayo. Uma ubulokhu ufuna ukutshala imali ku-Microsoft, i-Apple, noma i-Tesla, i-Groww ilapha kuwe. Tshala kalula kunoma yiziphi izitoko zase-US ngokusebenzisa inkundla.
I-akhawunti yakho yenziwa isebenze ngaphandle kwezindleko ezengeziwe zokutshala imali ezitokweni zase-US. Ayikho i-brokerage ebandakanyeka kunoma yikuphi ukuhweba okwenzayo emakethe yamasheya yase-US. Ungatshala kalula kumafrakshini kulezi zinkampani.
Uma utshala kunoma yiziphi izitoko zase-US nge-Groww, i-akhawunti yakho igcinwa ne-ViewTrade. Ingumthengisi obhalisiwe we-SEC futhi olawulwa yi-FINRA wamarekhodi nezincwadi. I-ViewTrade isebenza ne-Apex Clearing Corporation ukuze ihwebe ngokusula nokugcina ama-akhawunti wabasebenzisi.
Enye inzuzo oyithola ngokutshala imali ezitokweni zase-US nge-Groww ukuthi uthola u-$10 wamahhala.
5. IPO (Umnikelo Wokuqala Womphakathi)
Sezadlula lezo zikhathi lapho ubuvame ukuzisola ngokuthi awuzange utshale imali ku-IPO, futhi manje isiphenduke isitoko esikhulu. Nge-Groww, uthola ukutshala imali kuma-IPO azoba bukhoma ezimakethe zaseNdiya. Zulazula kalula kuma-IPO ahlukene, funda wonke amadokhumenti e-IPO, futhi wenze utshalomali lwakho.
Uthola nokufunda wonke amandla kanye nobuthakathaka be-IPO etholakala endawenikazi ye-Groww. Hlola ezezimali zabo kanye nayo yonke eminye imininingwane yomlando ngaphambi kokutshala imali yakho kuzo.
6. Ama-ETFs
Enye yezimali eziphephile ezidume kakhulu ngaphandle kwe-Mutual Funds, ungathenga ama-ETF nge-Groww.
I-ETF iyibhasikidi yezibambiso ezihlanganiswe ndawonye. Ihlanganisa izici zamasheya, amabhondi, kanye Nezikhwama Zokusebenzisana. Ungahweba lezi zibambiso usuku lonke njengezitoko.
Kukhona amathani ama-ETF abukhoma kuplathifomu ye-Groww. Ungawahlola kalula futhi utshale imali ku-ETF yakho oyithandayo.
7. Ikusasa & Izinketho
Uma ungumhwebi osebenzayo othanda ukuhweba nge-Futures & Options, lokhu kungaba isici sakho osithandayo sohlelo lokusebenza.
I-Groww ikunikeza izinsiza ze-Futures & Options lapho ungahwebelana khona kalula phakathi namahora emakethe njenganoma iyiphi enye inkundla yokuhwebelana.
8. Ama-SIP
Uma ungumuntu othanda ukutshala imali kuma-SIP, i-Groww ngeke ikudumaze. Tshala imali kalula ngama-SIP anyanga zonke.
Setha inani lakho le-SIP kanye nosuku, futhi i-Groww izotshala izimali zakho ngokuzenzakalelayo kumathuluzi okutshala izimali ngezinsuku ezishiwo. Kuyinqubo ebushelelezi kakhulu futhi inikeza ukusekelwa okuphelele.
9. I-Sovereign Gold Bond (SGBs)
Lokhu kuyinto engaphandle kwebhokisi eqenjini le-Groww. Inikeza amafa ahlukene njenge I-Sovereign Gold Bond (SGBs) kubasebenzisi bayo. Ngalesi sici, ungakwazi ukutshala imali ngokuqondile kule mpahla ngohlelo lokusebenza.
Lawa mabhondi anikeza inzalo yonyaka engu-2.5%, ekhokhwa njalo ezinyangeni eziyisithupha. Okwenza la mabhondi aphephe futhi avikeleke ukuthi asekelwa uHulumeni futhi ahehe intela yenzuzo yemali eyiziro ekuvuthweni.
Kuyinketho enhle kakhulu yokutshala imali uma ufuna ukuyidlala iphephile ngemali yakho.
I-Groww's Brokerage Plans
Ngokungafani namanye amafemu okuhweba, lapho abasebenzisi kufanele bakhokhe i-AMC (Isilinganiso Semali Yanyanga zonke), i-Groww ayikhokhi lutho kubasebenzisi bayo. Ake sikhulume ngamashaji e-brokerage okwenziwayo ohlelweni lokusebenza.
I-brokerage ekhokhiswa lezi zinhlelo zokusebenza zokudayisa ngokuvamile iphansi kakhulu futhi ayibali okuningi. Kodwa-ke, uma uthenga futhi uthengisa izimpahla zakho kaningi, kubaluleka kakhulu ukuqapha lezi zindleko.
I-Groww ilandela imodeli eqinile futhi engashintshi ezinhlelweni zabo zokuthengisa. Ikhokhisa imali engaphelele engu-Rs.20 uma umsebenzisi ebamba iqhaza ekuthengeni i-Equity, Intraday Transactions, ne-Futures & Izinketho zohwebo. Leli nani futhi liyizindleko eziphezulu ze-Groww nge-oda ngalinye kuzo zonke izigaba zayo ezihlukahlukene zokuhweba.
Ku-Equity Delivery, i-Groww ikhokhisa i-brokerage kumamodeli amabili. Kuphakathi kokuthi ikhokhisa u-Rs.20 nge-oda ngalinye noma u-0.05% wohwebo, kuye ngokuthi yikuphi okuphansi. Le modeli ibuye ilandelwe ngesikhathi sohwebo lwe-Intraday.
Uma wenza i-Futures & Options, kuzomele ukhokhe inkokhiso engaphelele engu-Rs.20 nge-oda ngalinye. Ngaphandle kwalokhu, kufanele futhi ukhokhe ezinye izindleko zokulawula kanye nezindleko ze-Demat.
Esimeni sokuvala isikwele okuzenzakalelayo, ukhokhiswa u-Rs.50 nge-oda ngalinye.
Kanjani Thenga On Groww?
1. Ngena ngemvume ku-akhawunti yakho ye-Groww futhi uqinisekise i-akhawunti yakho nge-KYC.
2. Sesha isitoko ofuna ukusithenga
3. Hlaziya ishadi lentengo kuma-Time Frames ahlukahlukene. Ungasebenzisa ngisho amathuluzi ahlukahlukene nezici eshadini ukuze uthole iziqinisekiso eziningi.
4. Khetha imakethe (NSE/BSE) kanye nesakhiwo senani. Intengo ekhawulelwe ikuvumela ukuthi usethe inani ofisa ukuthenga ngalo isitoko. Intengo yemakethe ikuthengela isitoko ngentengo yamanje yeMakethe. Ngokuvamile, intengo yeMakethe iyashesha kakhulu njengoba ingenaso isikhathi sokulinda.
5. Uma ufuna ukwengeza ezinye izimali, ungakwenza kalula ngeplatifomu.
6. Sebenzisa i-UPI yakho, i-Net Banking, noma i-Bank Transfer ukuze wenze inkokhelo.
7. Uma nje wenza lokhu, uzokwazi ukuthenga isitoko.
8. Qaphela, ukuthi ngeke ukwazi ukuthenga noma ukuthengisa noma yini emakethe uma imakethe ivaliwe ngenxa yamaholide, noma isidlule isikhathi semakethe(9:15 AM- 3:30 PM)
Okuhle:
- Ukuhweba okuvikelekile ngamasu esimanje wokubethela
- Uhlelo lokusebenza lokutshala izimali oluphelele, okungukuthi, luhlinzeka ngamathuba okutshalwa kwezimali ku-cap-cap encane, i-mid-cap, i-cap enkulu, kanye ne-multi-cap yokutshalwa kwezimali kwesikhathi eside kanye nenzuzo ephezulu noma ukutshala izimali ezilinganisiwe, izikhwama zegolide, izimali zamazwe ngamazwe, njll.
- Ukuhweba okusheshayo ku-akhawunti ngokufakwa kwe-oda lokuthepha okukodwa
- Isixhumi esibonakalayo esisebenziseka kalula esinomklamo ohlanzekile
- Akukho ukungena okuhlukile kokutshalwa kwezimali okuhlanganyelwe
- Ivumela abasebenzisi ukuthi bahlole izinketho zediphozithi ezingashintshi futhi baziqhathanise namabhange ahlukene.
Okubi:
- Ukungatholakali kwe-IPO investment
- Ukushoda kwezinhlobo zama-oda athuthukile njenge-oda likabakaki, i-oda lemakethe yekhava, ama-oda angemva kwemakethe, njll.
- Ukushoda kwezikena kanye nokubuyela emuva
Ukuthatha Kwami
Ngemva kokubuyekeza i-Groww, ngingasho ukuthi uma ungumuntu oqalayo ezimakethe zamasheya, futhi utshala izimali, kufanele nakanjani uzame. Ngesixhumi esibonakalayo somsebenzisi esinobungane kakhulu, uhlelo lokusebenza likuvumela ukuthi utshale imali kalula.
Kodwa-ke, uma ungumhwebi onolwazi othanda ukudlala ngamashadi wamanani, khona-ke usungene ekuphoxekeni okuncane njengoba uhlelo lokusebenza lunamathuluzi nezici ezilinganiselwe kakhulu.
Sekukonke, i-Groww iyinkundla yokuqala elula futhi esebenziseka kalula yokutshala imali nokuhweba. Abantu abafuna nje ukutshala imali kuma-SIP, noma izitoko ngezikhathi ezithile, bazoluthanda lolu hlelo lokusebenza ngenxa yobulula balo.
Uma unemibuzo mayelana ne-Groww, ngicela ungazise kumazwana.
shiya impendulo