Kukhona amathani izinhlelo zokusebenza zokutshala izimali eNdiya. Nansi enye, ebizwa ngeMoneyJar.
Emavikini ambalwa adlule, bengihlola uhlelo lokusebenza lwe-MoneyJar – “i-Jargon Free “inkundla yokutshala isikhwama esihlangene sabaqalayo.
Nasi isibuyekezo esigcwele se-MoneyJar esingakusiza unqume ukuthi kufanele yini uqale ukutshala imali ngale nkundla noma cha.
Kuyini ImaliJar?
UMoneyJar uyasizwa isikhwama sokubambisana platform utshalomali. Ihlukile ezisekelweni ezifana Khula, Imali futhi I-ETMoney ngezindlela ezimbili:
- Kuyasizwa - uthola usizo ngokutshalwa kwezimali kwakho futhi kunezikhwama zesikhwama ezilawulwa yi-MoneyJar ngokusekelwe ezicini eziningi ezihlanganisa ubungozi, umkhakha kanye nezimali.
- I-MoneyJar isebenza njengomeluleki - Akudingeki ukuba ugade izimali zakho zokubambisana njalo uma ungafuni - I-MoneyJa izokubuyisela iphothifoliyo yakho ngenxa yakho (lokhu kusebenza kuphela uma ugunyaza)
Nakuba i-MoneyJar ikusiza ngesu lakho lokutshala izimali, iseyinkundla yokutshala imali yesikhwama esihlangene samahhala. Awudingi ukukhokha noma yiziphi izindleko zezinsizakalo zabo.
Umgomo wabo oyinhloko uku ” dala uhlelo lwezezimali olusebenziseka kalula futhi oluvuza wonke umuntu.”
Yasungulwa nguRohan Agarwal noShrenik Patel emuva ngo-2017 (Inkundla yabo yangempela yaqala ukusebenza ngo-2018 nokho).
Sebethuthuke kakhulu. Inkundla yabo yewebhu iye yaba enembile kakhulu futhi ukungqubuzana okuphelele kokubhalisela ukutshala imali kwehle kakhulu.
Ake sikhulume ngeMoneyJar's Investment Izimbiza - Umkhiqizo wabo ophambili. Bese sizoxoxa ukuthi kufanele yini uqale ukutshala imali nge-MoneyJar.
Investment "Izimbiza" nguMoneyJar
Izimbiza ayiqoqo lezimali ezihlanganyelwe eziningi ezikhethwe ethuluzini elilodwa lokutshala imali ngochwepheshe be-MoneyJar. Kunezimbiza eziningi ezisuselwe kuzindikimba ezahlukene ezifana nalezi:
- Isitsha esiphephile
- Ayikho imbiza yeStress
- I-Adventurous Jar
- Isitsha Sesilondolozi Sentela
- I-Starter SIP Jar
futhi nokuningi.
Izimbiza zihlukaniswa ngezigaba ezithile ezifana ne-Essential, Thematic, Advanced kanye ne-MoneyJar picks. Isitsha ngasinye siqukethe izimali ezihlanganyelwe eziningi zokuhlukahluka kwezimpahla.
Ochwepheshe be-MoneyJar bakhetha izimali ezihlanganyelwe kuzo zonke izimbiza. Awukwazi ukushintsha phakathi kwezimali ngokwakho.
Ikota ngayinye izimali kuJar ngayinye zibuyekezwa futhi zilinganiswe kabusha uma kudingekile. Izinsizakalo ezifana nokulinganisa kabusha phakathi kwezimali zivame ukukhokhiswa amafemu, izinkundla nabaphathi.
Uma kubhekwa ukuthi i-MoneyJar ayikhokhisi nganoma iyiphi yezinkonzo zabo, lokhu kuhle kakhulu.
Ungakhetha amaJar angaphezu kwelilodwa bese uqala ama-SIP noma umane utshale imali ngesikhathi esisodwa. Ukuze wazi kabanzi mayelana nenjongo yeJar, izimali ezingaphakathi kwayo, ukuqagela ukukhula kwekhephithali nokunye okwengeziwe, udinga ukuchofoza isixhumanisi esithi Ulwazi Olwengeziwe.
I-popup izovela, kanje:
I-popup yolwazi lwe-Jar iqukethe idatha ebalulekile mayelana nokusebenza kwangaphambilini kwezimali ngaphakathi, nokuthi kungani ochwepheshe be-MoneyJar beyincoma.
Ungaqala kanjani ukutshala imali nge-MoneyJar?
Ukuze wenze i-investimenti nge-MoneyJar, nazi izinyathelo ezimbalwa ozodinga ukuzilandela.
Isinyathelo 1: vakashela I-MoneyJar.in bese udala i-akhawunti.
Isinyathelo sesi-2: Qedela i-KYC yakho. Bese uchofoza kokuthi Dala iJar.
Isinyathelo sesi-3: Uma usugunyazile, usulungele ukukhetha iJar. Khetha Isitsha ocabanga ukuthi singafanelana nokuhlola kwakho ubungozi. Isibonelo, uma uyisisebenzi esiholayo, ungenaso isikhathi noma isifiso sokufunda imakethe, futhi ufisa nje ukukhulisa ingxenye yemali yakho, ukhetha isikhwama sokukhula noma isikhwama senkomba.
Isinyathelo sesi-4: Faka inani ofisa ukulitshala. Khetha imvamisa yokutshala imali, uma ufuna ukuqala i-SIP, khetha njalo ngenyanga. Okunye, khetha kanye. Ngaphandle kokuthi utshala imali esikhwameni se-ELSS ukuze wonge intela, akuwenzi umqondo ukutshala ngesikhathi esisodwa ezikhwameni ezihlanganyelwe.
Isinyathelo sesi-5: Hlola igrafu yokuqagela.
Ungabona ukuthi utshalomali lwakho luzokhula kanjani phakathi neminyaka. Qonda ukuthi le datha ayiyona inkomba enhle kakhulu yokusebenza kwesikhwama. Skrolela phansi kugrafu yokuqagela futhi ungabona izimali ezihlanganyelwe otshala kuzo.
Isinyathelo 6: Noma nini lapho usulungele ukuqala i-SIP yakho, chofoza inkinobho ethi Tshala phezulu.
Uzoqaphela iphophaphu yokuqinisekisa, ekwazisa mayelana nedethi yokubanjwa kwenani le-SIP neminye imigomo nemibandela ebalulekile.
I-MoneyJar Investment Strategy
I-MoneyJar isebenzisa i-Modern Portfolio Theory njengengxenye ebalulekile yesu layo lokutshala izimali. Lelisu lisetshenziswa ekwakheleni lezi Jar, kanye nemali yakho.
I-Modern Portfolio Theory igcizelela imithetho emithathu ewumongo yokutshala imali:
- diversification
- Ingozi yokubuyisela ukuhlolwa
- Ukuba umtshali-zimali onengqondo
Umbono osekelwe kulo mbono uwukunciphisa ubungozi kanye nokwandisa imbuyiselo. Okuyigama elijabulisayo kubatshalizimali abasha. Indlela engcono yokuyichaza kungaba: Ubungozi obuthathiwe = Ukubuyisela.
I-MPT ikusiza ukuthi ukhulise imbuyiselo ngokuphakamisa ukuhlukahluka, ukutshala kabusha izinzuzo nokuthatha izinqumo eziphusile ngaphandle kwemizwa eyimpoqo. Ekugcineni, imbuyiselo ingase ingasidluli isitoko se-MEME, kodwa kuyindlela eqinile yokwakha ingcebo futhi amathuba okuthi ulahlekelwe ingxenye ebalulekile yemali yakho eyinhloko aphansi kakhulu.
Kusho ukuthini lokhu kuwena njengoMtshalimali?
Njengoba i-MoneyJar ilungiselela isu layo lokutshala imali ngokusekelwe ku-MPT, kufanele ukwazi ukwenza imali engashintshi ngaphandle kokuthola ukuchayeka kakhulu emkhakheni owodwa othize. Ngakho-ke kufanele ukwazi ukuthola iziyaluyalu zemakethe ezingazelelwe kanye nokuphahlazeka kwetimu.
Ngeke utshale kumathuluzi okutshala ayingozi futhi ngeke kudingeke ukhathazeke ngokulahlekelwa imali yakho. Njengoba utshala izimali ezihlanganyelwe ezihweba ngokuqondile ngokulingana, kuhlale kunengozi yokulahlekelwa yimali. Kodwa-ke, akuvamile kakhulu ukuthi isikhwama esihle sokubambisana sihamba ngokuzenzakalelayo kubatshalizimali baso.
Kodwa-ke, uma utshala izimali ezihlanganyelwe ezingalungile ezingahlukanisi ngokwanele, zibeke engcupheni ngokungadingekile futhi uhileleke ezinhlelweni zangaphakathi ezimnyama, ungase ulahlekelwe yisamba esikhulu.
Isibonelo esihle kungaba Inkinga ye-DHFL kanye nomthelela wayo ezikweletini ezihlanganyelwe. Khumbula, izimali zezikweletu zibhekwa njengeziphephe kakhulu kunezimali zokulingana.
Thola Imali Ebolekiwe Ye-Overdraft Ngokuphikisana Nezikhwama Zakho Zokusebenzisana
Ungakwazi futhi ukuboleka imali oyitshalile usebenzisa i-Moneyjar. Akudingekile ukuthi utshale imali nge-MoneyJar ukuze uthole imali ebolekiwe, kodwa uzodinga umxhasi ofanayo ophethwe yi-CAMS kanye ne-akhawunti yasebhange ye-HDFC.
Imali mboleko ebhekiswe kuma-mutual funds yimalimboleko e-overdraft, uhlobo oluthola kuma-FDs. Imajini ye-equity yemali mboleko ye-overdraft kuma-mutual funds ingama-50% kanye no-70% ezikhwameni zezikweletu.
Uma usugunyazwe umkhawulo we-overdraft, ungakwazi ukuphatha lesi sikweletu njengomugqa wesikweletu. Akudingekile ukuthi ukhokhe inzalo kuwo wonke umkhawulo we-overdraft oyisamba. Inzalo isebenza kuphela emalini oyikhiphayo kumkhawulo wakho wonke we-overdraft.
Umbono wami
Ekuvakasheni kwami kokuqala kusizindalwazi se-MoneyJar, lesi sigaba singenze ngacabanga ukuthi sizohlinzeka ngemibono ethile yokusizwa kwesikhwama sokubambisana. Noma okungenani, qonda ukuhlola kwami ubungozi futhi uncome izinhlelo ezifanele ezisekelwe ezidingweni “ZAMI”.
Isigaba esingenhla sithi “Phendula imibuzo embalwa elula. Ngokusekelwe kulokho ositshela khona, sizothola ukutshalwa kwezimali okungcono kakhulu ongakwenza.”
Nokho, ngesikhathi ubhalisa futhi uqala ukubuka kudeshibhodi, awuboni uhlu lwemibuzo. Akukho okungakusiza ukuthi uqonde isifiso sakho sokudla esiyingozi. Lokhu kusho nokuthi asikho isincomo sakho.
Qaphela ukuthi abasho ngokusobala ukuthi bazoncoma noma yisiphi isikhwama sokubambisana (noma iqoqo lezimali). Ungakhetha kumaJar amaningi atholakalayo - kodwa kufanele wazi ukuthi ufunani - ukukhula okuqinile, okumaphakathi noma okunolaka.
Kodwa umyalezo "Ngokusekelwe kulokho ositshela khona, sizothola ukutshalwa kwezimali okungcono kakhulu ongakwenza.” iyadukisa ngandlela thize. Beauce ungabatshela noma yini kwazise ababuzi.
Ngokwesibonelo, uma ubhalisela Kuthengisiwe noma i-INDMoney, uthola uhlu lwemibuzo olunemininingwane olusiza lezi nkundla ziqonde ukuhlola kwakho ubungozi. Ufisa ukuba nolaka noma unodlame kangakanani ekutshalweni kwezimali kwakho. Bese banikela ngamaphothifoliyo akhethiwe ngokwehlukana amaphrofayili engcuphe ahlukene.
INDMoney inamabhasikidi - afana nalokhu okunikezwa yi-MoneyJar. Udala umgomo kuhlelo lokusebenza lwe-INDMoney futhi kuya ngohlobo lomgomo wakho, inani eliphelele, imali engenayo, isikhathi sokufinyelela umgomo onikezwa ubhasikidi othize we-Mutual Funds. Futhi-ke ungakwazi futhi ukubikezela ukuthi uzofinyelela ngokushesha kangakanani umgomo wakho, uma kuzoba khona ukushoda, ingakanani intela, isilinganiso sezindleko okudingeka ukhokhe nokunye. Kungaphezu kokuhlangenwe nakho okungcono kakhulu uma uzimisele ukuchitha isikhathi esithile ufunda.
Uma ungumuntu odinga nje ukuqala ukutshala izimali ku-Mutual Funds futhi unciphise ingozi yokulahlekelwa yimali ngokukhetha izimali ezingalungile, i-MoneyJar iyinkundla ekahle.
Noma mhlawumbe uma unomgomo wesikhashana engqondweni.
Kulula. Lokho kuyinzuzo enkulu ye-MoneyJar.
Uyabhalisa, linda amaminithi ambalwa ukuze ugunyazwe i-akhawunti yakho futhi usulungele ukukhetha emashumini ezimbiza ezihlukene. Isitsha ngasinye sinikezelwe ekufezeni umgomo futhi ukhululekile ukukhetha noma iyiphi.
Ngokuchofoza okumbalwa, ama-SIP akho ayaqaliswa. Njengoba kuyinkundla yokweluleka, ungaze ukhethe ukugunyaza ukulingana kabusha kwephothifoliyo yakho ukuze ungabi nokukhathazeka mayelana nezimali zakho zombili. Okuzwakala kulungile. Ngoba uma uzochitha isikhathi ucabanga nangemali oyitshala ku-Mutual Funds, kufanele uqale ukuqonda imakethe yamasheya.
I-MoneyJar ingihlabe umxhwele kakhulu ngokukhethwa kwe-Mutual Funds emajekeni abo. Ngisho noma ukhetha kwezinye zezimbiza ezinolaka (Zokukhula), izimali oyimali eyabelwe ziqinile kakhulu, zisengozini ephansi futhi zinezinga eliphansi lokuntengantenga. Bashaya i-INDMoney kulokhu.
shiya impendulo