Ukwenza izinqumo ezihlakaniphile zokutshala izimali ezingaba nomthelela omkhulu ekusaseni lakho lezezimali kudinga ukuthi ukhethe inkundla yokutshala imali efanele. Inkundla enhle izokunikeza izindlela ezihlukile zokutshala imali, amathuluzi alula, nezeluleko zochwepheshe zokukusiza ufinyelele izinjongo zakho zokutshala imali.
Nakuba, uhlelo lokusebenza olungakwazi ukusebenza kahle luzoholela emathubeni aphuthelwe kanye nezindleko eziphakeme ezizolimaza iphothifoliyo yakho kabi kakhulu.
Ukuze sikusize ekwenzeni ukukhetha okufundile, sizoqhathanisa izinkundla ezimbili zokutshala izimali ezithandwa kakhulu e-India, Kuvera, nase-Grow, kulokhu okuthunyelwe.
Uzokwazi kangcono ukukhetha inkundla yokutshala imali ehlangabezana kangcono nezimfuneko nemigomo yakho uma uhlola izici, izindleko, kanye nesevisi yamakhasimende enikezwa ingxenyekazi ngayinye.
I. Isingeniso
Kuvera
Kuvera iyinkundla yokweluleka nge-robo eyasungulwa ngo-2016 ngu-Gaurav Rastogi kanye no-Neelabh Sanyal, eqhutshwa yi-Arevuk Advisory Services Pvt. Ltd. e-Bangalore, India.
Inkundla inikezela ngezinsizakalo zokuhlela ngezezimali zomuntu siqu kanye nezinsizakalo zokutshala imali ukuze kwenziwe intando yeningi ukufinyelela ezelulekweni zezezimali zekhwalithi ephezulu kusetshenziswa ubuchwepheshe. I-Kuvera isekelwa yi-Eight Roads Ventures, inkampani yokutshalwa kwezimali emhlabeni wonke eye yasekela izinkampani eziningi ezintsha, ezikhula kahle.
Inkundla inikeza izincomo zokutshala izimali eziqondene nawe ngokusekelwe kuphrofayela yomsebenzisi engozini nezinjongo zokutshala izimali, okuhlanganisa izimali ezihlanganyelwe, izitoko, negolide ledijithali. Ukwengeza, u-Kuvera ubambisene naye I-Vested Finance ukuze abasebenzisi bayo batshale imali ezitokweni zase-US nama-ETF.
Ukugxila kwayo kubuchwepheshe, amanani athengekayo, nolwazi lomsebenzisi kwenze kwaba ukukhetha okudumile kubatshalizimali baseNdiya abafuna uhambo lwezezimali lomuntu siqu olulula kanye nohambo lokutshala imali.
Khula
I-Groww iyinkundla yokutshala imali eyasungulwa ngo-2017 nguLalit Keshre, uHarsh Jain, u-Ishan Bansal, noNeeraj Singh. Inkundla inehhovisi layo elikhulu e-Bangalore, e-Karnataka, futhi ihlinzeka ngenani lezinketho zokutshala imali, njengezimali ezihlangene eziqondile kanye nokuhweba ngamasheya.
I-Groww iqale njengenkundla yokusabalalisa isikhwama esihlangene ngo-2017 futhi yasheshe yaduma, yaba enye yenkundla yokutshala imali edume kakhulu ye-mutual fund ezweni phakathi nonyaka.
Ngawo lowo nyaka, yethula igolide ledijithali, ama-ETF, ukuhweba kwansuku zonke, nama-IPO, enikeza uhlu olubanzi lwezinketho zokutshala imali kubasebenzisi bayo. Namuhla, i-Groww inamakhasimende angaphezu kwezigidi ezingu-40 kanye nesilinganiso esimangalisayo esimaphakathi esingu-4.5.
Abatshalizimali abafana ne-Sequoia, i-Ribbit Capital, kanye ne-CEO ye-Microsoft uSatya Nadella bayayisekela, babonisa inkolelo yabo enkulu emandleni ayo okwanda kwesikhathi esizayo.
II. Izici
Kuvera
(i)Amathuluzi Nezibali Zezezimali
Ukusiza amakhasimende ngokuhlela kwawo kwezezimali kanye nezinqumo zokutshala izimali, i-Kuvera inikeza amathuluzi ahlukahlukene ezezimali nezibali. Isibali se-SIP, isibali sesamba sesamba, isibali se-FD, isibali se-PPF, kanye nezibali eziningi ezidumile ezimbalwa nje zeminikelo ka-Kuvera.
Abasebenzisi balezi zibali bangase balinganisele izinzuzo zabo zokutshalwa kwezimali, baqonde indlela ukwehla kwamandla emali okuthinta ngayo ukutshalwa kwezimali kwabo, futhi bahlele izinjongo zabo zezezimali ngendlela efanele. Lezi zibali zivumela abasebenzisi ukuthi bafinyelele kalula izinjongo zabo zezezimali futhi benze izinqumo zokutshala izimali ezifundile.
(ii)Ukutshalwa kwezimali kwe-US Stock
Ngokusebenzisana kwayo ne Kuthengisiwe, i-Kuvera inikeza amakhasimende ayo ithuba lokutshala izimali ezinkampanini zase-US. Ngesidingo esincane sokutshala imali esingu-$10 kuphela, le sevisi yenza amakhasimende akwazi ukujabulela ukuchayeka ngaphandle kwekhomishini emakethe yezabelomali yase-US.
I-US stock investing function on Kuvera inikeza amakhasimende ukhetho olubanzi lwezindlela zokutshala izimali, nokufinyelela ezinkampanini ezingaphezu kuka-1000 nama-ETF. Abasebenzisi bangase baqedele i-KYC ngokushesha futhi kalula ngoba izinqubo zokusetha nokuqeda kuthatha imizuzu emihlanu.
Abasebenzisi bangashintsha ngokushesha iphothifoliyo yabo yokutshala imali futhi basebenzise amathuba anikezwe yi- Imakethe yesitoko yase-US ngosizo lwale nkonzo.
(iii)Ukubeka Umgomo
Impumelelo yezezimali incike ekubeni nenhloso ethile yotshalomali lwakho nokonga.
Ungacacisa imigomo yakho yezezimali futhi wenze uhlelo lokutshala oluhlukile usebenzisa umsebenzi we-Kuvera othi “Zibekele Umgomo Wakho”. U-Kuvera uzokubuza imibuzo eminingana ukuze enze icebo elisebenzela isimo sakho esithile, noma ngabe wongela umhlalaphansi, imfundo yengane, noma inkokhelo encane yekhaya.
Nquma inani lemali odinga ukuyonga, ubude bokutshalwa kwezimali, kanye nokubekezelela kwakho ubungozi usebenzisa ithuluzi elithi “Setha Umgomo Wakho”. Isu lakho lokutshala izimali lizokwenziwa ngokwezifiso i-Kuvera ngokusekelwe ezimpendulweni zakho kanye nemigomo yakho, umthamo wokutshala izimali, kanye nomkhathi wokutshala izimali.
Ngosizo lwaleli thuluzi, ungatshala ngokuzethemba wazi ukuthi utshalomali lwakho luhambisana nezinhloso zakho.
(iv)I-Akhawunti Ehlangene
Abatshalizimali bangase balawule kalula ama-akhawunti abo okutshalwa kwezimali amalungu omndeni wabo endaweni eyodwa ngomsebenzi we-Akhawunti Ehlangene ye-Kuvera. Kwenza kube lula ukuhlela nokuphatha ingcebo yomndeni ngokunikeza impatho elinganayo ezimalini ngaphansi kwelogo efanayo.
Leli thuluzi lenza kube lula ukulandelela nokuphatha amaphothifoliyo okutshalwa kwezimali ahlukene, okulenza libe usizo ikakhulukazi emindenini efuna ukuphatha izimali zayo ngokuhlanganyela. Abatshalizimali bangavele balandelele futhi baqaphe ukutshalwa kwezimali kwabo nge-Akhawunti Ehlangene ye-Kuvera futhi baqiniseke ukuthi bahambisana nezinjongo zezimali zomndeni wabo.
Lo msebenzi ukhombisa ukuzinikela kukaKuvera ekuhlinzekeni amakhasimende ngezinketho zokutshala izimali ezisezingeni eliphezulu nezisebenzayo.
(v)Isici Sokulondoloza Okuhlakaniphile
Umsebenzi we-Smart Save we-Kuvera uhloselwe abasebenzisi abathanda ukutshalwa kwezimali okunobungozi obuncane kanye nokufinyelela imali okulula. Lo msebenzi unikeza izinketho zokutshala izimali eziwuketshezi ukumboza izindleko ezingalindelekile. Kuyinketho eqondile nesheshayo enethuba lokuhoxisa kufikela ku-2 lakhs noma u-90% wempahla yakho emizuzwini engama-30.
Lokhu kutshalwa kwezimali okuwuketshezi kungenye indlela engcono kunama-akhawunti okonga ajwayelekile njengoba alethe imbuyiselo ehlonishwayo yonyaka elinganiselwa ku-5% wemali eminyakeni emithathu edlule. Ngakho-ke, i-Smart Save isici esilungele wena uma ufuna ukukhetha ukutshalwa kwezimali okunengcuphe ephansi ekunikeza imali elula nembuyiselo ehloniphekile.
Khulisa
(i)I-Equity kanye ne-Mutual Fund Investment
Kubatshalizimali abangabodwana baseNdiya, i-Groww iwuhlelo lokusebenza lokutshala imali olwaziwayo oluhlinzeka ngezinhlobonhlobo zamasheya nezinye izindlela ze-mutual fund. Ngenxa yedizayini yayo esebenziseka kalula kanye nohlu olubanzi lwezinketho zokutshala imali, ingenye yezinhlelo ezisetshenziswa kakhulu zokutshalwa kwezimali kwe-SIP.
Uhlelo lokusebenza lunikeza ukufinyelela okulula kumathuluzi amaningana wezabelo, okuhlanganisa ikusasa, izinketho, nokuhweba kwansuku zonke. Ukwengeza, i-Groww inikeza ukukhethwa okubanzi kwezimali ezihlanganyelwe, okuhlanganisa izimali ezihlanganyelwayo zokonga intela kanye ne-cap enkulu, ikheshi elincane, kanye ne-hybrid mutual funds ehlukene.
Ukuze uvimbele abatshalizimali ukuthi bangaphuthelwa izitolimende zabo, isofthiwe iphinde ithumele imilayezo nezikhumbuzi ezivamile. I-Groww izitholele yona njengohlelo lokusebenza lokutshala imali lwabatshalizimali abaningi e-India ngenxa yesakhiwo sayo esisebenziseka kalula kanye nenhlobonhlobo yamathuba okutshala imali.
(ii) I-US Equity
Abatshalizimali ngabanye baseNdiya baya ngokuya bethanda ukutshala imali kumasheya aseMelika. I-Groww iyawazi lo mkhuba futhi inikeza ukufinyelela kumasheya ase-US, okuhlanganisa nemikhiqizo eyaziwa kakhulu njengezinkampani ze-FAANG nezinkomba ezifana ne-S&P 500, kubathengi bayo.
Nakuba abanye abatshalizimali bengase babheke ukutshala izimali kumasheya ase-US njengento enenani elikhulu, i-Groww inikeza utshalomali lwesheya eliyingxenyana, olwenza abasebenzisi bakwazi ukuthenga ingxenye yesheya ngaphandle kokukhokhela isheya lonke.
Ukwengeza, ukutshalwa kwezimali kwamasheya amancane akunazo izinkokhelo ezengeziwe ze-brokerage, okuyenza ibe indlela enengqondo yokuthi abatshalizimali base-India bafinyelele izimakethe zezabelo ze-US. Abasebenzisi bangase bahlukanise kalula amaphothifoliyo abo futhi bathole ukufinyelela ezimakethe zomhlaba nge-Groww.
(iii)Izibali
Ngisho noma ungeyena uchwepheshe kwezezimali, wonke umuntu angase asebenzise futhi afinyelele izibali zezimali ezinikezwe i-Groww.
Lezi zibali zikunikeza isithombe esinembile nesiphelele sephothifoliyo yakho yezezimali futhi zikusize wenze izinqumo ezihlakaniphile. Ungakwazi ukulandelela izinhloso zakho zezezimali, uphathe ukutshalwa kwezimali kwakho ngempumelelo, futhi uhlale unolwazi lwemali yakho usebenzisa izibali zezezimali ze-Groww.
Lezi zibali zikuvumela ukuthi uhlole imiphumela yezimo ezihlukahlukene zokutshala izimali futhi uguqule izinhlelo zakho ngokufanele ukuze uthole imiphumela oyifunayo.
(iv)Uhlu lwamagama ezezimali zomuntu siqu
Labo abasaqala ukutshala izimali kanye nezezimali zomuntu siqu bangase bazuze kakhulu ohlwini lwamagama lwezezimali lomuntu siqu lwe-Groww. Kwenza kube lula ukuzulazula emhlabeni wezezimali ngokunikeza abathengi izincazelo zamagama ezezimali okunzima ukuwaqonda.
Abasebenzisi abasebenzisa le sevisi bangakwazi ukuqonda kangcono amagama ezezimali futhi benze ukukhetha kokutshala okufunde kakhulu.
I-lexicon ye-Groww nayo ivame ukubuyekezwa ukuze ibonise intuthuko yakamuva kakhulu embonini yezezimali. Isichazamazwi sezezimali se-Groww singase sibe ithuluzi eliwusizo kuwena noma ngabe ungumfundi osanda kufunda noma ungumtshali-zimali onolwazi.
(v)Ama-IPO
Inkampani yenza imali ngomnikelo wokuqala womphakathi, noma i-IPO, lapho amasheya ayo enziwa atholakale emphakathini uwonke. I-Groww yenza abatshalizimali bakwazi ukubamba iqhaza kuma-IPO amabhizinisi asafufusa futhi bahlole amandla abo okuthuthuka.
Inikeza abatshalizimali inkundla yokufaka isicelo samasheya emalini enikezwa umphakathi yokuqala futhi isabalalisa ulwazi ngama-IPO azayo. Abatshalizimali bangafaka izicelo ngokushesha futhi bamane bafake izicelo zama-IPO ku-inthanethi futhi baqaphe ukutshalwa kwezimali kwabo ngesikhathi sangempela nge-Groww.
Ngosizo lwalesi sici, abatshalizimali banethuba lokuxhasa amabhizinisi amasha nathembisayo nethuba lokuzuza kamuva ekwandeni kwawo.
III. Izimali Nezinkokhiso
Kuvera
Ngaphandle kwesilinganiso sezindleko esibekwe inkampani ethile yesikhwama, i-Kuvera iyinkundla yamahhala enikeza ulwazi oluhle lokutshala izimali ngaphandle kwezimali ezengeziwe noma ze-AMC. Azikho izimali zekhomishini ngoba isayithi lihlinzeka ngezinhlelo eziqondile kuphela.
Izici zalesi sihloko ziyatholakala ukuze zihlolwe mahhala. Ngokutshala imali ezitokweni zase-US, i-Kuvera isebenzisane ne-Vested.
Okunikeziwe kubiza u-$399 izindleko zokusetha i-akhawunti yesikhathi esisodwa ukuze uvule i-akhawunti yokutshalwa kwezimali yase-US. Nokho, ukuthenga noma ukuthengisa amasheya noma ama-ETF ku-Vested kumahhala.
Khula
I-Groww ibiza kuphela ama-Rs. U-20 noma u-0.05% yenani lokwenziwe, kuye ngokuthi iliphi elincane, ngokuya ngendlela yentengo eqondile nesobala. Abatshalizimali kufanele, nokho, bakhokhe imali eyengeziwe yokuthengiselana, yokulawula, kanye ne-Demat phezu kwe-brokerage.
I-Groww iphinde inikeze isibali esiwusizo esibonisa izinkokhelo abathengi abangaba nesibopho sokuzikhokha, okuhlanganisa i-STT, izimali zokushintshana zohwebo, izinkokhelo ze-SEBI, i-GST, nomsebenzi wesitembu. Kubatshalizimali, ukuqala i-akhawunti nge-Groww kulula ngoba akukho zindleko zokusetha noma eziqhubekayo.
IV. Ukwesekwa Kwamakhasimende
Kuvera
Ungathintana nethimba losizo lika-Kuvera ngezindlela eziningi njengoba linokwesekwa kwamakhasimende okuhle kakhulu. I-chatbot esebenza nge-AI esizeni ingakusiza ngemibuzo ehlukahlukene evamile nezinkinga.
Ungahambisa ithikithi kusayithi noma uthumele i-imeyili kuyo [i-imeyili ivikelwe] uma umbuzo wakho unzima kakhulu. Bashayele ku-08618076010 uma ungathanda ukukhuluma nomuntu ngqo.
I-Kuvera iqinisekisa ukuthi abathengi bayo bathola isevisi yamakhasimende esheshayo nethembekile ngokunikeza izinhlobonhlobo zezinketho.
Khula
Ukusiza abasebenzisi nganoma yimiphi imibuzo noma izinkinga, i-Groww inikeza izinketho ezihlukahlukene zesevisi yamakhasimende. Abasebenzisi bangakhuphula amathikithi ngezihloko ezahlukahlukene ngokuya endaweni yosekelo yohlelo lokusebenza. Ukwengeza, i-Groww ingathintwa ngocingo ku- +91-9108800604 noma nge-imeyili ku- [i-imeyili ivikelwe].
Abasebenzisi bathola isevisi esheshayo kubasebenzi abanolwazi nabawusizo. I-Groww inikeza ezinye izindlela zokusiza amakhasimende ahlukahlukene ukuze kuqinisekiswe inqubo yokutshala imali elula nengenazinkinga.
V. Izinzuzo kanye Nebubi
Kuvera
Izinzuzo ze-Kuvera:
- Inkundla yokuphatha imali yamahhala
- Iphrezentheshini yephothifoliyo eqondakala kalula enamagrafu namashadi
- Inketho yokutshala imali egolideni ledijithali
- Ukusekelwa okuhle kwamakhasimende
Izinzuzo ze-Kuvera:
- I-interface ingaba nzima kwabanye abasebenzisi
- Inqubo ende ye-KYC
- Isici sokuqhathanisa isikhwama sokubambisana asisebenzi kahle kakhulu
Khula
Izinzuzo zokukhula:
- Izindleko zokuvula nokulungisa i-akhawunti azikho
- Inikeza ithuba lokutshala imali le-IPO
- Inqubo yokuvula i-akhawunti engenaphepha
- I-UI esebenziseka kalula
I-Cons of Grow:
- Akukho sici sokuphatha noma sokulandelela imali
- Amathuluzi okuhweba anomkhawulo atholakalayo, njengokungabikho kwempahla nokuhweba ngemali
- Hhayi okuhle indawo yokuhweba njengoba ingenazo izici ezithuthukile njenge-GTT, AMO, njll.
- Azikho izinsiza zokweluleka kusukela manje
- Usekelo lwefoni alukho phezulu
VI. Isiphetho
Kokubili i-Groww ne-Kuvera yizinkundla ezinhle kakhulu ezikwazi ukubhekana nezidingo ezahlukahlukene zokutshala imali. Ngokufanayo nokukhetha phakathi kukashokoledi ne-vanilla ice cream, okuyinto enhle noma iyiphi indlela, isinqumo ekugcineni sincike ekuzikhetheleni komuntu siqu.
I-Groww iyindlela okufanele uhambe ngayo uma ungumuntu osanda kuzalwa usesha ithuluzi lokutshala elisebenziseka kalula. Nokho, Kuvera kungaba inketho engcono uma ungumtshali-zimali onolwazi ofuna inkundla yokuphatha imali ehlangene ngenkonzo yamakhasimende esezingeni eliphezulu.
Kodwa esikhundleni sokukhetha eyodwa nje, kungani ungababonisi bobabili?
Ubuhle bokutshala imali ukuthi alikho isu elilodwa, elisebenza emhlabeni wonke. Ngakho-ke qhubeka uzame izinto ezintsha; awukwazi, ungathola uhlobo olusha lokutshalwa kwezimali obungazi nokuthi lukhona!
shiya impendulo