Bambalwa kakhulu abatshalizimali ababheka ngale kokutshala izimali ezitokweni zaseNdiya, ngisho nangemva kokwazi izinzuzo eziphelele zokuhlukahluka.
Isikhathi sobhubhane sabona ukuntengantenga ezimakethe zamasheya emhlabeni wonke. Ezinye izimakethe zilulame ngokushesha; nokho, abanye basalulama.
Imakethe yamasheya yase-US yayingenye yezimakethe ezalulama ngokushesha futhi zafinyelela ukuphakama okusha.
Kuyikhaya lezinkampani ezihamba phambili emhlabeni wonke, ezizenza izitoko ezingcono kakhulu ezake zaba khona. Lezi zitoko zifaka i-Facebook, i-Apple, i-Amazon, iNetflix, iMicrosoft, iTesla Google, ukusho ezimbalwa.
Ukuthenga lezi zitoko ikuvumela ukuthi usebenzise inzuzo yabo futhi ube yingxenye yezindaba zabo zokukhula. Kukusiza futhi ukuthi uhlukanise iphothifoliyo yakho yesitoko ngale kwemakethe yesitoko yase-India.
Eqinisweni, ungatshala imali emakethe yamasheya yaseMelika ngokuhlala eNdiya. Inqubo isilula kakhulu njengoba uhulumeni waseNdiya engenayo imingcele eqinile efanayo.
Nazi ezinye izizathu ezimbalwa zokuthi kungani kufanele ucabange ukutshala imali emakethe yamasheya yase-US -
- I-Reserve Bank of India ivumela izakhamizi zaseNdiya ukuthi zitshale imali efika ku-$2,50,000 (cishe ama-rupees angu-2 crore) njalo ngonyaka. Ngakho-ke, njengomtshali-zimali, unomkhawulokudonsa omuhle ongawutshala ezimakethe zamasheya zase-US.
- Uma sibuyela emlandweni, izimakethe zamasheya zase-US bezilokhu ziguquguquka kancane kunemakethe yamasheya yase-India. Yingakho ukutshala imali emakethe yamasheya yase-US kuzoqinisekisa inzuzo eyengeziwe uma kuqhathaniswa nokulahlekelwa.
- Iningi lama-mega-global corporations linekomkhulu lazo e-US. Lokhu kuzokusiza ukuthi ungagcini nje ngokuhlukanisa iphothifoliyo yakho kodwa uyithuthukise kakhulu ngokutshala izimali ezinkulu ezidumile.
- Imakethe yamasheya yaseMelika isebenze ngokusobala kunemakethe yamasheya yaseNdiya emashumini eminyaka adlule.
- Sonke siyazi ukuthi i-US inamandla amakhulu. Njengoba uyisikhungo sokusungula izinto ezintsha emhlabeni wonke kanye nokuthuthukiswa kobuchwepheshe, ungaba nethuba lokutshala imali enkampanini esafufusa njengoba isungula. Ngokuzayo, awukwazi, bangase babe yi-Facebook elandelayo noma i-Apple!
Ungatshala kanjani kumasheya ase-US avela eNdiya?
Ungatshala imali emakethe yamasheya yase-US ngalezi zindlela ezimbili -
- Ukutshala imali ngqo ezitokisini.
- Ukutshala imali ngokungaqondile esitokweni nge-mutual funds noma imali ethengiswa okushintshiwe.
Ukuba yingxenye yokutshalwa kwezimali okuqondile
Ungatshala ezitokisini zase-US ngokuqondile. Lokhu kwenzeka ngokuvula i-akhawunti yokuhweba phesheya nomthengisi wasekhaya noma wangaphandle. Ukukhetha umthengisi wasekhaya noma wangaphandle kukuwe ngokuphelele futhi kuncike ekutheni yini ekufanele kakhulu.
Isinyathelo 1 (a): Vula i-akhawunti yokuhweba phesheya nomthengisi wasekhaya:
Abathengisi abaningi basekhaya e-India banobudlelwano nabadayisi besitoko e-US. Abathengi basekhaya basebenza njengabalamuli kuphela futhi benze ukuhweba kwakho.
Izindlu ezimbalwa kuphela zama-brokerage zase-India ezinalezi zibopho, njenge-ICICI Direct, i-Kotak Securities, i-India Infoline, i-Reliance Money, ne-Religare. Ungakwazi ukuvula kalula le akhawunti yokuhweba ngokuthumela imibhalo ebalulekile. Lawa madokhumenti afaka ifomu eligcwaliswe ngokufanelekile lokuvula i-akhawunti, kanye namadokhumenti akho e-KYC.
Amadokhumenti e-KYC kufanele abe nekhadi lakho le-PAN kanye nobufakazi bokuhlala (i-ID yomvoti noma isitatimende sasebhange sakamuva). Uma lokhu sekwenziwe, ukuvulwa kwe-akhawunti yakho kuyenzeka.
Udinga ukudlulisa ezinye izimali ngaphansi kuka-$2,50,000. Uma usudlulisele izimali, ungaqala ukutshala imali ezitokweni zakwamanye amazwe.
Kodwa-ke, kufanele ukhumbule ukuthi izindleko zokutshalwa kwezimali zingaba phezulu ngenxa yezindleko eziphezulu ze-brokerage namazinga okuguqulwa, ngakho-ke kubalulekile kuwena ukwazi zonke izindleko ezihilelekile ngaphambi kokuvula i-akhawunti, izinga lokuguqulwa eliqhubekayo, kanye nokuqagela okufanayo. .
Isinyathelo sesi-2 (b): Ukuvula i-akhawunti yokuhweba phesheya nomthengisi wangaphandle:
Uma ungafuni ukuba nomlamuli owenza ukuhweba kwakho, ungakwazi ukuvula i-akhawunti yokuhweba phesheya ngokuqondile nomthengisi wangaphandle.
Kodwa-ke, lo mthengisi wangaphandle kumele abe khona eNdiya. Ezinye zalezi zindlu zabathengisi nguCharles Schwab, Ameritrade, Ama-Broker Broker, njll. Uma usunqume nge i-brokerage firm ofuna ukuvula i-akhawunti ngayo, qinisekisa ukuthi uyaziqonda zonke izindleko zabo kanye nesakhiwo sezinkokhelo, okuthinta izindleko zakho zokutshala imali.
Inqubo eyengeziwe isalokhu ifana naleyo eshiwo ohlelweni lokuvula i-akhawunti nomthengisi wasekhaya.
Ukutshala imali ngokungaqondile
Ungaphinda ukhethe ukuthatha isikhundla esingaqondile emakethe yamasheya yase-US ngokungatshali imali kuzo ngokuqondile. Nansi indlela -
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Izimali ezihlanganyelwe:
Lena enye yezindlela ezilula zokuba yingxenye yephothifoliyo yangaphandle ngaphandle kokutshala imali ngokuqondile kunoma yisiphi isitoko sangaphandle. Lokhu akudingi ukuvula i-akhawunti yokuhweba phesheya noma ukugcina idiphozithi encane ukuze uqale ukutshala imali.
Kunezikhwama ezimbalwa ezihlanganyelwe e-India ezitshala imali ezitokweni zase-US kanye/noma izimali zazo ezihlanganyelwe sezizonke. Ukutshala imali ku-a isikhwama sokubambisana ikusiza ukuba ubalekele ubunzima bokukhetha izitoko ezifanele zokutshala imali.
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Izimali ezihweba ngokushintshaniswa (ETFs):
Ungakwazi futhi ukwenza ubungane namasheya ase-US ngokusebenzisa izimali ezihweba ngokushintshaniswa.
Kukhona kokubili izindlela ezingaqondile neziqondile zokutshala imali ngazo ETFs. Ungakwazi ukuthenga ngokuqondile i-US ETF ngokusebenzisa umthengisi wasekhaya noma wangaphandle. Ongakwenza futhi ukuthenga ama-ETF e-Indian of indices yamazwe ngamazwe, uthole izinzuzo ezifanayo.
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Izinhlelo zokusebenza zeminyaka emisha:
Ukutshala imali ngezinhlelo zokusebenza zeminyaka emisha sekuyinto edume kakhulu namuhla. Bayanda abantu abazama izandla zabo kukho, ngenxa nje yezinzuzo kanye nokulula ukukwenza.
Njengoba ukuvela kwezinhlelo zokusebenza zeselula kuvela ezinhlotsheni ezihlukene zezinsizakalo, iziqalo ezimbalwa ziqalise izinhlelo zazo zokusebenza. Lezi zinhlelo zokusebenza zisiza abatshalizimali baseNdiya ukuthi batshale imali emakethe yase-US ngendlela engenazinkinga futhi evikelekile.
Kuthengisiwe ingenye yezinhlelo zokusebenza zeselula ezigqama kakhulu ezikuvumela ukuthi utshale esitokweni sase-US esivela e-India. Ayithathi noma iyiphi ikhomishini kumtshali-zimali futhi ayidingi idiphozithi encane, noma. Kuyindlela evikelekile yokutshala imali ezinkampanini ezinedumela elihle njenge-Apple, i-Amazon, njll., ngamanani athengekayo.
Ku-Vested, ungakha i-akhawunti emaminithini ambalwa futhi uhoxise inzuzo yakho nganoma isiphi isikhathi ngokufaka imali eyingxenye.
kuyindlela esemthethweni njengoba iVested ilandela imihlahlandlela ye-RBI Liberalized Remittance Scheme.
Ungatshala kanjani kumasheya ase-US nge-Vested
I-Vested inikeza kokubili ukutshalwa kwezimali okuqondile esitokweni kanye nama-ETF kanye nokutshalwa kwezimali ngamaphothifoliyo akhethiwe, abizwa ngokuthi utshalomali olungaqondile.
Abatshalizimali bavula i-akhawunti ngenqubo ebonakalayo engenayo ibhalansi encane kanye nokutshala imali okungenakhomishini. Kodwa-ke, ezinye izinkokhelo ziyasebenza, njengemali yokuvula i-akhawunti, imali yokuhoxa, imali ekhokhwa ngaphambili, njll.
Okudingayo ukuze unikeze ukuvulwa kwe-akhawunti inombolo yekhadi lakho le-PAN kanye nobufakazi bekhophi kanye nekheli.
Ungatshala imali ngqo ngokuvula i-akhawunti ye-brokerage yase-US. Ukwenza lokhu kube lula, i-Vested inikeza inkundla ezinikele lapho abatshalizimali baseNdiya bengathenga kalula futhi ngokuqondile izitoko nama-ETF emakethe yamasheya yase-US.
Le ndlela yehlisa izindleko eziphelele zomtshali-zimali ngoba awekho amakhomishini ahilelekile. Kodwa-ke, kufanele uthumele imali e-US. I-Liberalization Remittance Scheme (LRS) ivumela lokhu, ngomkhawulo ophezulu wonyaka ufinyelele ku-$250,000 umuntu ngamunye, njengoba kumiswe iziphathimandla zaseNdiya.
Funda isibuyekezo sethu esigcwele se-Vested lapha.
Lezi izindlela eziqondile nezingaqondile zokuthi ungatshala kanjani imali ezitokweni zase-US ezivela eNdiya. Kodwa-ke, kunezinto ezithile okufanele uzikhumbule ngenkathi uzilungiselela ukutshala imali kulezi zimpahla zangaphandle -
- Vula i-akhawunti yokuhweba phesheya kuphela uma unesikhathi nobungcweti bokuhlaziya imakethe yase-US, izinhlangano, kanye nezindaba. Kufanele uqaphele ukuhlaziya umnotho wase-US futhi waziswe ngezindaba eziqhubekayo lapho ukuze wenze izinqumo ezinolwazi.
- Qaphela umehluko wesikhathi njengoba ungase ufune ukufinyelela imakethe yase-US njengoba ivula futhi ivala. Umehluko we-tie phakathi kwe-India ne-US amahora ayi-10 nesigamu. Lokhu kungase kubangele ishejuli ephazamisekile, ngakho khetha kuphela ukutshala imali ezimakethe zase-US uma kuphela uma usukulungele ukwenza izinguquko ozifisayo esimisweni sakho.
- Ukutshalwa kwezimali kwamanye amazwe kubandakanya izindleko eziphezulu uma kuqhathaniswa nokutshalwa kwezimali kwasekhaya. Lokhu kukhulu ngenxa yamazinga okuguqulwa. Qinisekisa ukuthi unolwazi mayelana nezindleko ze-akhawunti, izimali zokudayisa, nezinguquko zokuguqulwa kohlobo lwemali. Kubalulekile ukuthi uqonde zonke lezi zindleko ngendlela enemininingwane.
- Ukutshala imali, uma kuqhathaniswa nokuhweba, konga kakhulu e-US. Lokhu kungenxa yokuthi ukuhweba kuhilela izindleko eziphezulu, ezingaqeda inzuzo encane eyenziwa ngabahwebi. Ukutshalwa kwezimali kwesikhathi eside, nokho, kukuvumela ukuthi uzuze imbuyiselo ephusile ngemva kwezindleko nezindleko, futhi.
- Qinisekisa ukuthi ufunda ngokucophelela izintela ezisebenzayo ngokwemithetho yase-US neyaseNdiya. Qinisekisa ukuthi ukuthobela konke kusuliwe, futhi akukho ukuphulwa komthetho.
- Ungajabuli ngokweqile futhi uhlale uqala kancane. Kuzothatha isikhathi ukuthi uqonde izimakethe zase-US futhi udlale nawe njengosaqalayo. Imakethe yezomnotho ngayinye ihlukile, yingakho kufanele uqale ngokuhweba/ukutshala imali encane esikhundleni sokugxumela ephaketheni eligcwele imali. Uma usuthole ukuma kwemakethe yase-US, ungakwazi ukukhulisa amanani akho otshalomali kancane.
I-EndNote:
Lapho unquma ukweqa imingcele yaseNdiya futhi uzivumele ukuthi utshale imali ezimakethe zangaphandle, uzethula ezintweni obungakaze ucabange ukuthi zingenzeka.
Kunento eyengeziwe yokwehlukahlukana okuthuthukisiwe kwephothifoliyo, ukukhula, nokufunda. Lonke ucezu lolwazi luyatholakala ku-inthanethi, futhi izindaba, ngokusebenzisa i-inthanethi, zitholakala ngokuchofoza nje.
Njengomtshali-zimali, lokhu kukusiza ukuthi uhlaziye amasheya phesheya kalula futhi waziswe mayelana nezinqumo eziqhubekayo zokuphatha ezenziwa yizinkampani.
Kodwa-ke, yonke inhlobo yokutshala imali inesabelo sayo esifanelekile sobuhle nobubi. Njengomtshali-zimali, udinga ukwenza isinqumo esiphusile ngokucabangela zonke izici ngaphambi kokwandisa utshalomali lwakho.
shiya impendulo