Kuningi okushintshile selokhu ngagcina ukubhala ngeVested. Okokuqala, inani lamaNdiya atshala imali ezitokweni zakwamanye amazwe selithuthukile.
Futhi nakuba zingekho izibalo ezinqunyiwe zokuthi ingabe amaphesenti amaNdiya atshala izimali ngokulinganayo akhuphuke esuka ku-2% aya kumaphesenti aphezulu, womabili ama-CDSL kanye ne-NSDL abone ukwanda kwenani lama-akhawunti amasha avulwe phakathi kuka-2020 no-2021, ngenani eliphelele 14.2 million ama-akhawunti amasha avuliwe (kusukela ku-Economic Times).
Ngu-2022, futhi ukukhuphuka akubonakali kuncipha noma nini maduze.
I-US Stocks & EFT Trading Platforms
Ukukhuphuka kwezinhlelo zokusebenza zokutshala imali kube yisizathu esiyinhloko salokhu kwanda.
Futhi hhayi nje ngokulingana kazwelonke. Abantu babonise intshisekelo ekuhwebeni kwamanye amazwe futhi. Eqinisweni, amasheya angaphandle abe nephesenti elinenzuzo eyengeziwe kunamasheya asekhaya ngo-2020 nango-2021.
Lokhu kudonse intsha yase-India ukuthi ihlole imakethe yamasheya yase-US futhi ihlole ukusebenza kokutshalwa kwezimali okuyimpumelelo lapho.
Izinhlelo zokusebenza ezimbili ezidume kakhulu ezisetshenziselwa ukutshalwa kwezimali ngokulingana kwamanye amazwe yi-Vested ne-INDmoney.
Ungahlola ukubuyekezwa okuningiliziwe kwe-Vested lapha.
Ukubuyekezwa okujulile kwe-INDmoney kuyatholakala lapha.
Kungase kuzuze ukufunda ukubuyekezwa kwenkundla ngayinye uma ungazazi izici zayo ezithile.
Inikezwe iqhathaniswa ne-INDmoney
I-Vested kanye ne-INDmoney empeleni ziyizinhlelo zokusebenza ezimbili ezihluke kakhulu ezinokufana okuthile.
Tokukhulu futhi mhlawumbe okuwukuphela kwephuzu lokuqhathanisa phakathi kwalezi zinkundla ezimbili ukuthi zombili i-Vested ne-INDmoney zinikeza utshalomali lwesitoko sangaphandle esingenazingxabano.
Ngakho-ke, sizogxila kulokhu okuthunyelwe kokuqhathanisa kule nto eyodwa, bese sizame ukuphetha ngokuthi yiluphi uhlelo lokusebenza olufanelekela kangcono izinjongo zakho zokutshala imali kwamanye amazwe.
Okubalulekile ukuqaphela lapha ukuthi iphothifoliyo yakho kanye nezimfuneko zokutshalwa kwezimali zingahluka, kanjalo nezimfuneko zakho zalokho okufunayo ohlelweni lwakho lokutshala izimali.
Ngokusekelwe ezidingweni zakho, ungase uthole olunye lwezinhlelo zokusebenza - Ezinikezwe kanye ne-INDmoney luwusizo kakhulu kunolunye.
Manje ake sibheke izici zenkundla ngayinye kuqala ukuze sifinyelele esiphethweni sokuhlaziya ukuthi yiluphi uhlelo lokusebenza olufanelekela kangcono ukutshalwa kwezimali kwesitoko sase-US.
Izici ze-Vested
Ayikho iKhomishini
I-Vested ayithathi ikhomishini yokutshalwa kwezimali ezitokweni zase-US. Lesi isici esihle kakhulu sabahwebi abanomsebenzi wesikhashana kanye nabahwebi abavamile. Uma uhlela ukutshala imali isikhathi eside, lesi sici esingenakhomishini sibonisa inzuzo enkulu.
Izinketho zokutshalwa kwezimali
I-Vested inezitokwe zase-US ezingaphezu kuka-1500 nama-ETF atholakalayo ukuze atshalwe. Ungathola futhi amaphrofayili wokutshalwa kwezimali akhethiwe okukhethekile aziwa ngokuthi 'AmaVest' ngo-$3 ngephothifoliyo ngayinye. Ama-Vest angu-9 afika mahhala ngohlelo lwe-Premium.
Izabelo Ezihlukanisiwe
Ungathenga izingxenye noma izingxenyana zesheya esikhundleni sokuthenga isheya lonke. Lesi sici sihle kakhulu kwabaqalayo nabatshalizimali abancane abafuna ukuqala ngokutshalwa kwezimali okuncane. Izitoko eziningi zase-US ziyabiza.
Isibonelo, izindleko zesabelo esingu-1 se-Meta (ngaphambilini eyayiyi-Facebook) ngu-$344+ (kusukela ngomhla ka-31 Disemba). Lokho cishe kungama-Rs. 25,000 ngemali yamaNdiya.
Uma kubhekwa ukuthi amaphesenti angu-6.25 kuphela abantu base-India abakhokha intela, ukutshala imali engu-Rs.25,000 kusheya elilodwa kungase kungenzeki kubatshalizimali abaningi e-India. Yilapho ukuthenga amasheya angama-fractional kuyindlela enhle yokutshala imali esitokweni sase-US esinenzuzo nesikhokha kahle.
I-akhawunti yokuhweba yase-US enomshwalense
I-Vested ibambisene ne-DriveWealth, inkampani yomthengisi edumile yase-US ephethe ama-akhawunti adalwe nge-Vested. Wonke ama-akhawunti adalwe nge-Vested aqinisekisiwe ngesamba esingafika ku-$500,000.
Ama-Vests : amaphothifoliyo akhiwe ngaphambilini
Ama-Vest amaphothifoliyo akhethwe ngokukhethekile anikezwe i-Vested.
Ama-Vest ahlukaniswa ngokwendikimba nasekelwe kumgomo. Okususelwe kuzindikimba kulapho izinketho zokutshala izimali zikhethwa ngokusekelwe ekucacisweni kwezimboni. Ama-Vest Asekelwe Emigomweni angase asekelwe ezinhlosweni zokuhlukahluka kwephothifoliyo, izinhloso zokunciphisa ubungozi bokulawula ngenkathi utshala imali, njalo njalo.
Izimali nezindleko
Isakhiwo semali ye-Vested silula futhi siqondile.
- Izindleko zokuvula i-akhawunti - Nil. I-Vested ayikhokhisi noma iyiphi imali ngokuvula i-akhawunti nabo.
- Ayikho ibhalansi ephansi - Ayikho ibhalansi encane edingekayo ukuze ugcine i-akhawunti yakho Ye-Vested.
- Inkokhelo enguziro yokungasebenzi - Ngokungafani nezinye izinhlelo zokusebenza ezidinga ukuthi usebenze phakathi nesikhathi esithile (imvamisa okungenani umsebenzi owodwa ezinyangeni eziyi-12). Okunikeziwe akukujezisi ngokungenzi lutho.
- Imali yediphozithi - Ayikho imali yediphozithi ethathwe yi-Vested. Izindleko zasebhange ezijwayelekile, nokho, ziyasebenza.
- Imali yokuhoxisa - Kukhona i-$ 5 enqunyiwe yemali yokuhoxiswa ngayinye enikezwayo.
Izinhlelo nezintengo
I-Vested inohlelo lwamahhala. Kukhona nohlelo lwe-Premium olubiza u-Rs. 2500 ngonyaka. Ngaphansi kohlelo lwe-Premium, uthola ukukhipha okukodwa kwamahhala (ukuhoxa ngakunye kubiza u-$5)
Izici ze-INDmoney
Ikhomishini Yeziro Yokuthenga Nokuthengisa
I-INDmoney ayikhokhisi noma iyiphi ikhomishini ekuthengeni nasekuthengiseni amasheya ase-US nama-ETF.
Izabelo ezihlukanisiwe
I-INDmoney iphinde inikele ngokuthenga amasheya angama-fractional.
I-akhawunti yase-US yamahhala nenomshwalense yokuhweba
I-INDmoney ibambisene nefemu efanayo yase-US - DriveWealth, esebenzisa ngayo wonke ama-akhawunti.
Yonke i-akhawunti inikwe umshwalense ofika ku-$500,000. I-DriveWealth ilawulwa yi-SIPC kanye ne-FINRA, izinhlangano ezimbili zezezimali ezinedumela elihle e-US ezilawulwa yi-SEC.
Ngaphezu kwalokho, i-INDmoney inikeza oku-2 kwamahhala koku-1 kokuhweba kwase-US kanye ne-akhawunti yokonga yase-Indian ne-State Bank of Mauritius (SBM). I-SBM yaziwa ngokuthengiselana kwayo okusheshayo kwe-forex.
Ukweluleka kanye nokuphathwa kwephothifoliyo
I-INDmoney inikeza ukuphathwa kwephothifoliyo komuntu siqu kanye nezeluleko mayelana nokutshalwa kwezimali ngokusekelwe kumthamo wakho wokungena engozini kanye nezinketho zemboni. Izindleko zezici zokweluleka ziqala ku-Rs. 399 ngenyanga.
Izimali
- Ukuvulwa kwe-akhawunti - Azikho izindleko
- Ukuthenga amasheya ase-US nama-ETF - Azikho Izinkokhelo
- Ukudluliswa kwemali nge-akhawunti ye-Super Saver SMB - Azikho izindleko
- Ukuhoxiswa ngaphansi kuka-$2,000 - $5 Ukuhoxiswa ngaphezu kuka-$2,000 - Azikho izindleko
Izinhlelo nezintengo
Kunezinhlelo ezi-4 ze-Premium ezingezabakaki abahlukene bamanani okutshalwa kwezimali.
- IND Igolide: Rs. 399 ngenyanga ukuze kutshalwe imali kuze kufike ku-Rs. 50 lakh.
- IND Igolide+ : Rs. 999 nyanga zonke ukuze kutshalwe imali kuze kufike ku-Rs. 1.5 izigidi.
- IND Platinum: Rs. 2999 nyanga zonke ukuze kutshalwe imali kuze kufike ku-Rs. 3 amakhro.
- IND Platinum+ : Rs. 5999 nyanga zonke ukuze kutshalwe imali kuze kufike ku-Rs. 5 amakhro.
Kukhona nohlelo lwangokwezifiso lokutshala imali engaphezu kwama-Rs. 5 amakhro.
Ukuqhathanisa Okuningiliziwe phakathi kwe-Vested ne-INDmoney
Imithetho Nezokuphepha
I-Vested ne-INDmoney ibambisene ne-DriveWealth, inhlangano yezezimali yase-US elawulwayo. Ngakho-ke zombili izinkundla ziphephile ngezinhloso zokutshala imali.
Kokubili I-Vested kanye ne-INDmoney ilandela imihlahlandlela ye-Liberalized Remittance Scheme (LRS) yi-RBI. Ngokomthetho we-LRS, umtshali-zimali waseNdiya angathumela kufika ku-$250,000 ngaphandle kwemvume ye-RBI.
Security
Njengoba i-INDMoney iwukuphatha imali, ukulandelela, kanye nohlelo lokutshalwa kwezimali, ludinga izimvume eziningi - ezinye njengengcuphe enkulu njengokufinyelela ku-akhawunti yakho yomuntu siqu ye-Gmail.
I-Vested, nokho, ayinayo imfuneko enjalo njengoba igxile kuphela ekuhwebeni kwamasheya e-US.
Ukunikeza imvume yokufunda ama-imeyili kungase kube yinto encane futhi kudinga ukucatshangelwa ngokucophelela.
Kalula Yokusebenzisa
Kulula ukuvula i-akhawunti kuzo zombili izinkundla. Inqubo iyafana kokubili, njengoba kokubili i-Vested kanye ne-INDmoney zinabalingani basebhange base-US abafanayo.
I-interface yomsebenzisi nezici zedeshibhodi
I-UI nedeshibhodi yazo zombili izinkundla kulula ukuyisebenzisa. Nokho, ngikhetha
Inikezwe mayelana nolwazi lwedeshibhodi.
Izinhlobonhlobo nezinketho
IVested inezitokwe zase-US ezingaphezu kuka-1500 nama-ETF ongakhetha kuzo. I-INDmoney inezinketho ezincane, kodwa noma kunjalo, kunezinkulungwane zezinkampani ongakhetha kuzo.
Imali kanye neKhomishini
Ikhomishini enguziro yokuthenga nokuthengisa isebenza kuzo zombili izinkundla. Kuthengisiwe inemali yokuhoxiswa ngakunye engu-$5, kuyilapho i-INDmoney inenkokhelo yokuhoxiswa ngayinye engu-$5 ekuhoxisweni okungaphansi kuka-$2,000. Ngokukhipha imali engaphezu kuka-$2,000, i-INDmoney ayinazo izimali zokuhoxa.
Izinhlelo ze-Premium nezici zokweluleka
Isici se-Vests esivela ku-Vested sihle futhi siyathengeka. Iphothifoliyo ngayinye ekhethiwe eyaziwa ngokuthi i-Vest ibiza u-$3. Ngohlelo lwe-Premium olubiza ama-Rs. 2500 ngonyaka, uthola ukufinyelela ku-9 Vests.
Izinhlelo zeprimiyamu ze-INDmoney zibiza kakhulu kuneVested (uhlelo oluphansi kakhulu ngu-Rs.3600 ngonyaka) futhi zinikeza izici zokweluleka ezivela kubaluleki bezezimali abazimele. Isici sokweluleka asinakho ukubuyekezwa okuhle.
Abeluleki abazimele abahlale benekhono ngokwanele. Futhi bengezona izisebenzi ze-INDmoney, abeluleki abazimele abaziphenduleli ngendlela umuntu angathanda ukuba ngayo.
Ama-Freebies
I-INDmoney inikeza amasheya amahhala ekuvuleni i-akhawunti nokubhaliswa okuyimpumelelo kwe-KYC. I-Vested ayihlinzeki ngamahala anjalo.
Ama-freebies angazwakala alinga, futhi isici esihle sokuphromotha esivela ku-INDmoney.
Kodwa-ke, uma kukhulunywa ngezinhlelo zokusebenza zokutshala imali, kuhle ukubona izindaba zephromoshini ezedlule bese uhlola ukuthi inkundla iyazifanela yini izidingo zakho ezithile. Elinye iphuzu elibalulekile okufanele licatshangelwe yimali ekhokhwayo kanye nesakhiwo sekhomishana.
Amadokhumenti nokusekelwa
I-Vested inamaphepha amaningi kanye nesigaba se-FAQ esiqinile sokuphendula imibuzo yakho evamile yokutshala izimali. Ithimba lokusekela e-Vested nalo lihle.
Isici samadokhumenti se-INDmoney singaba ngcono. Futhi, ukusekelwa kungaba ngcono kakhulu futhi.
Ukutshalwa Kwezimali Okuphindaphindiwe
I-Vested ikuvumela ukuthi utshale ezitokweni zase-US, ama-ETF kanye nama-Vest awo ngokuphindaphindiwe. Lokhu kusho ukuthi ungasetha inani ozolitshala nge-Vested ngokuzenzakalelayo njalo ngesonto noma ngenyanga. Ngendlela efanayo owenza ngayo i-SIP kuma-mutual funds noma amadiphozithi aphindelelayo.
Lokhu kukuvumela futhi ukuthi wenze isilinganiso sezindleko zedola nge-Vested.
Kukhona okuthile i-INDmoney engakunikezi okwamanje.
Isinqumo: Vested vs INDmoney
I-Vested kanye ne-INDmoney zombili izinhlelo zokusebenza ezithembekile zokuhweba ngamasheya e-US.
Kuthengisiwe Nokho, ithembeke kakhulu ngokuphathelene nokuphepha kanye nokusebenziseka kalula (isixhumi esibonakalayo esingcono nezici zedeshibhodi). I-Vested iphinde igxile ekuhwebeni kwamasheya e-US.
INDmali iwuhlelo lokusebenza jikelele olusiza ukuphatha nokulandelela ukutshalwa kwezimali kwakho e-India nase-US It futhi amathrekhi izindleko zakho futhi kusiza ukuhweba nge-crypto.
Ngokuphathelene namasheya ase-US kanye nokuhweba kwe-EFT - I-Vested ingcono ngezizathu zokuvikeleka kakhudlwana futhi igxile kakhulu ekuhwebeni kwe-US.
Uma kufanele ngicabangele i-INDmoney, iwuhlelo lokusebenza lwesibili olungcono kakhulu ekutshalweni kwezimali kwase-US.
Lokhu kubuyekezwa kusekelwe ekusetshenzisweni kwami siqu kwezinhlelo zokusebenza, futhi ngingakuncoma ngokuqinile ukuthi ufunde ukubuyekezwa ngakunye kwazo Kufakwe lapha futhi INDmoney lapha, kanye nalokhu okuthunyelwe kokuqhathanisa ukuze uzinqumele.
I-Puneet
Isihloko esinolwazi @Rima, kodwa nginombuzo - iyiphi inketho engcono kakhulu yokutshala imali e-US IPO.
Ingabe i-Vested ne-indmoney zombili zinikeza amathuba okutshala imali e-ipo?
Aayush Bhaskar
Hi Puneet,
Okwamanje, ayikho indlela yokutshala imali kuma-IPO ase-US usebenzisa izinhlelo zokusebenza ze-fintech e-India.
I-Vineet
Ngiyabonga Aayush.
Lokhu kubonakala kuyindatshana ebhalwe kahle.
Ngiyazi ukuthi yini okumele ngiyikhethe manje.
Anil
Sawubona Aayush, ingabe usuqhathanise amanani okushintshanisa alezi zinkundla zombili? Ngisebenzisa imali ye-Ind futhi amazinga abo okuguqulwa asohlangothini oluphezulu, kunjani nge-vested?
Upendra
Sawubona, isihloko esifundisa kakhulu. Nokho kungaba kuhle uma amaphuzu emizuzu embalwa nawo engenziwa ingxenye yalokhu futhi kuxoxwe ngakho ngokuqhubekayo, Lawa,
1. Amadokhumenti entela enziwe atholakalela ukugcwalisa izintela e-India.
2. Izinhlobo zama-oda nemikhawulo. Isibonelo, i-oda lokuthenga elilinganiselwe ku-Vested lapho ongabeka khona intengo ngaphansi kwezinga lemakethe elingenakubekelwa amasheya angama-fractional. Futhi ama-oda wokumisa ukuthengisa awakwazi ukubekwa ngentengo engaphezu kwenani lemakethe. Zombili lezi zimo zingasebenza uma umtshali-zimali ehlose ukulinda ukuthi umyalelo ukhishwe ngentengo evumayo.