Inkundla amafa ayo abhaliswa ngokugcwele ngosuku. Ezinye zezimpahla ezisohlwini zizothengiswa emahoreni angu-2, futhi i-Wint Wealth isematheni embonini yezezimali yase-India.
Kodwa, yini i-Wint Wealth, Isebenza kanjani?
Kungani inyuswa kangaka, futhi ingabe inezinzuzo ezinhle ngempela?
Ngisebenzise inkundla yakwaWint ukuthola izimpendulo zayo yonke le mibuzo.
Ake siqale ngo-A kuya ku-Z weplathifomu nokuthi kuyasizuzisa yini isikhathi nemali yakho noma cha.
Kuyini Ubusika?
Wint Wealth iyinkundla yokuqongelela imali ye-NBFCs (Izinkampani Zezezimali Ezingezona Ezamabhange). Ihlinzeka ngohlu lwezimpahla kubasebenzisi bayo futhi inikeza imbuyiselo enhle engashintshi ekutshalweni kwabo.
Umcebo waseWint unikeza abantu abadala abavikelekile izibopho kusuka ezinkampanini ezahlukene ngqo kumsebenzisi.
Kodwa, kungani ngempela udinga ukusebenzisa i-Wint ukuze utshale imali kula mabhondi?
Ake sibheke.
Kungani Wint?
Ngokuvamile, abatshalizimali abathengisayo abakwazi ukutshala imali kula mabhondi njengoba usayizi wamathikithi wabo uphezulu kakhulu. Iqala cishe ku-Rs.10,00,000 okungenzeki kulaba batshalizimali bezitolo.
Eyesibili enye indlela yokutshala imali kuzo ngokusebenzisa amabhange kanye izimali zomphakathi. Lawa mathuluzi ezezimali athatha izimali kubatshalizimali abadayisayo, engeza amamajini abo, nezindleko bese ewatshala kulawa mabhondi.
Inkinga ngale nqubo ukuthi izinga lenzalo elitholwa umtshali-zimali livamise ukuba liphansi. Lokhu kwenzeka ngoba amabhange nawo agcina ingxenye yawo yenzuzo.
I-Wint ihlose ukubhekana nakho konke ukukhathazeka okunjalo ngokuvumela abatshalizimali abathengisa ukuthi batshale ngokuqondile kulawa mabhondi. Njengokwemithetho emisha, abatshalizimali manje bangenza ukutshalwa kwezimali okuncane kuka-Rs.10,000 kulawa mabhondi.
Nge-Wint, manje usungakwazi ukutshala ngokuqondile kulawa mabhondi ngaphandle kokuphazamiseka kwanoma yiliphi ibhange noma isikhwama sokubambisana. Lokhu kunikeza izinga eliphezulu lembuyiselo kubatshalizimali.
Ayini amabhondi e-Wint's Senior Secured?
Ngaphambi kokugxumela kuma-Secured Bonds, kubalulekile ukuqonda imigomo yawo ngayinye. Okokuqala nje, ibhondi iyisibambiso semali engenayo engashintshi. Olimini lwezezimali, ibhondi iyisibambiso lapho okhiphayo enesikweletu kumnikazi webhondi. Okhiphayo unesibopho sokubuyisela inani eliyinhloko lebhondi ekuvuthweni kwayo kanye nenzalo esikhathini esithile.
Manje, kunezinhlobo ezimbili zamabhondi, okungukuthi amabhondi Angavikelekile kanye namabhondi Avikelekile. Ibhondi Engavikelekile isho nje ibhondi engenaso isibambiso esihilelekile kunkontileka. Uma inkampani iphetha ukusebenza kwayo, mancane amathuba okuthi uthole isamba sakho esiyinhloko enkampanini.
Ibhondi evikelekile yileyo esekelwa izibambiso ezanele. Ngakho-ke, uma inkampani iphela, unethuba eliphezulu lokubuyisela inani lakho eliyinhloko.
Okokugcina, amabhondi aphezulu avikelwe asho ukuthi emicimbini yokuvalwa kwenkampani, abanikazi bamabhondi abakhulu abavikeleke kakhulu bazoba ngabokuqala ukuthola ukutshalwa kwezimali kwabo. Ibhondi evikelekile yakwa-Wint rich isekelwe kule modeli kuphela.
Izici Of Wint Wealth
Kunezici eziningi eziza etafuleni nge-Wint's Senior Secured Bonds. Ake sizibheke zonke ngokuningiliziwe.
1. Usayizi wethikithi ophansi
Ngokungafani nokunye ukutshalwa kwezimali kwebhondi, lapho kunosayizi wethikithi eliphezulu kakhulu, i-Wint inikeza abatshalizimali bezitolo ukuthi babambe iqhaza kulezi zibambiso zemali engenayo engaguquki ngama-Rs.10,000. Ngakho-ke, awudingi ukutshala isamba esikhulu kulezi zibambiso futhi ungaqala ngenani eliphansi kakhulu ukuze wenze imbuyiselo enhle.
2. Ukutshalwa Kwezimali Okuhle Nokuphephile Ku-Platform
Ngokuvamile abatshalizimali bayesaba ukutshala kunoma yini ngokuqondile njengoba kunemikhonyovu eminingi eyenzekayo emkhakheni wezezimali. Ukuze sibhekane nalokhu, i-Wint ihlunga izinkampani ezihamba phambili futhi inikeza kuphela inketho ephephe kunazo zonke kubatshalizimali.
3. Izimbuyiselo Ezingcono Kunama-FD
Abantu bayagula ngenxa yokwehla okuqhubekayo kwembuyiselo ye-Fixed deposit, futhi u-Wint unikeza isisombululo esiphelele kulokhu. Njengoba iyisivikelo semali engenayo engashintshi ephephile futhi evikelekile, ibhondi evikelekile iyafana nama-FD ngokwemvelo. Kodwa-ke, bahlinzeka cishe ngo-9% kuya ku-11% wenzuzo, okungaphezulu kakhulu kwama-FD.
4. Ingozi Ephansi Kunezimakethe Zamasheya
Amabhondi aphezulu avikelekile akwa-Wint Wealth awasondeli nenani lobungozi izimakethe zamasheya. Uma isifiso sakho sokudla siphansi noma ungumuntu ongafuni ukulahlekelwa inani lakhe eliyinhloko, amathuluzi okutshala imali akwa-Wint angaba ukubheja okungcono kakhulu kuwe.
5. Ithuba Elihlukile Lokutshala Imali
Njengoba abantu behlose ukuhlukanisa izinketho zabo zephothifoliyo, i-Wint inikeza ithuba elihle kulesi sizinda. Ungakwazi kalula ukutshala izimali zakho ngokulingana nesikweletu, njengoba lawa mabhondi akuvumela ukuthi utshale ngokuqondile ezikweletini ezivikelekile neziphephile.
Izinzuzo Zengcebo Ye-Wint
1. Izimbuyiselo Ezinhle
I-Wint Wealth inikeza cishe u-9% kuya ku-11% imbuyiselo Kumabhondi Awo Avikelekile Aphezulu, okuyimbuyiselo enhle kakhulu uma kucatshangelwa ukuthi iyimbuyiselo engaguquki.
2. Isikhathi esincane
Ngokungafani namanye ama-FD namabhondi anikezela ngembuyiselo kugeyimu yesikhathi eside, okungukuthi, cishe iminyaka emi-5, la mabhondi ahlinzekwa yi-Wint Wealth anikeza le mbuyiselo esikhathini seminyaka engu-2 nje kuphela.
3. Ukwehlukaniswa
Uma ugxile ekutshalweni kwezimali, kufanele uqaphele iqiniso lokuthi udinga ukuhlukanisa iphothifoliyo yakho. Lokhu kwehlukahlukana kukunikeza ukuvikeleka ekuphahlazekeni kwezimakethe zamasheya okungazelelwe. Ngama-Senior Secured Bonds, ungakwazi ukuhlukanisa kalula iphothifoliyo yakho ngokutshala imali ezikweletini ezinikeza imbuyiselo engaguquki.
4. Ilawulwa Ngokugcwele
Inzuzo enkulu yokutshala imali ku-Wint Wealth imithetho yayo. Ilawulwa yi-SEBI & RBI, enikeza umuzwa wokuphepha nokuvikelwa kubatshalizimali. Ngakho-ke, ungamethemba u-Wint ngokutshalwa kwezimali kwakho.
5. Kusohlwini Lwezimakethe Zamasheya
Amabhondi amaningi akhona wokutshalwa kwezimali ku-platform ye-Wint afakwe ohlwini emakethe yamasheya. Lokhu kunikeza imali eningi kulawa mathuluzi.
Izingozi Ezihilelekile
Nganoma yikuphi ukutshalwa kwezimali, kuza ingozi enkulu etafuleni. Ake sibheke ubungozi obukhona kunkundla ye-Wint Wealth.
1. Ingozi Yesikweletu
Izikhathi eziningi, abatshalizimali bayesaba ukuthi ukutshalwa kwezimali kwabo kungase kufinyelele ku-zero uma ukuqala kuphelile. Ezimweni eziningi, izibopho ezingavikelekile ziye zafaka laba batshalizimali ekulahlekelweni okukhulu. I-Wint Wealth isusa le ngozi ngokuvumela kuphela lezo zinkampani ezinkundleni zazo ezinamachibi okuphepha amaningi ukuthi zimboze izimali eziphakanyisiwe.
Ungakwazi ngisho nokuya kumabhondi e-Amortizing, lapho ongathola khona kalula inani lakho eliyinhloko ngezitolimende ngesikhathi esithile.
2. Ingozi ye-Liquidity
Nakuba ungawathenga la mabhondi noma nini lapho etholakala, ungase ubhekane nezinkinga uma ufuna ukuwathengisa. Lokhu kungenxa yokuthi la mabhondi awanayo imali eningi ngezinye izikhathi, ngisho noma esohlwini lwezimakethe zesitoko.
Indlela engcono kakhulu yokubhekana nakho ukutshala kuphela leyo mali ongayibamba isikhathi esithile. UWint usiza kulokhu ngokunikeza izinzuzo ezinhle esikhathini esifushane seminyaka emibili noma unyaka owodwa. Ngalokhu, abatshalizimali akudingeki balinde ukuthola izintshisekelo zabo kanye nenani eliyinhloko.
3. Ingozi Yokukhwabanisa
Akekho owaziyo ukuthi ukukhwabanisa kungenzeka nini kumuntu. Kube nezimo eziningi lapho abantu beboshelwe ama-lakhs of capital. Ngokufanayo, abantu abaqinisekanga ngo-100% kulezi zibopho.
I-Wint inikeza ukuphepha okugcwele kwalawa mabhondi ngokusebenzisa imikhuba ehlukene. Okokuqala, noma yiziphi kanye nazo zonke izibopho zikhethwa yi-cherry. I-Wint iletha kuphela lezo zinkampani ezinomfutho ophansi.
Inkampani enesilinganiso esiphansi isho ukuthi inenani eliphansi lesikweletu kuya ku-equity. Lokhu kusho ukuthi uma inkampani iqeda ukusebenza kwayo, izokwazi ukukhokha izikweletu ngokulingana kwayo.
Ungatshala Kanjani Kumabhondi Avikelekile Aphezulu Wengcebo Ye-Wint
Njengawe bhalisela futhi uziqinisekise ngenqubo ye-KYC, uzothola lesi sikrini sedeshibhodi. Lapha ungakwazi ukuzulazula futhi ubheke zonke izimali zakho ozitshalile.
Ukuze uthenge ibhondi, chofoza kuthebhu "Izimpahla", ezokuyisa kulesi sikrini. Uzothola wonke amafa asohlwini e-Wint Wealth kule thebhu. Njengoba ubona amafa abonakala esithombeni, asedayiswe aphela. Nokho, usengabheka imininingwane yabo.
Njengoba uchofoza okuthi “Bona Imininingwane Yefa”, uzothola le thebhu lapho ungabona khona yonke imininingwane yefa. Ibonisa uhlobo lwenkokhelo yenzalo, inkokhelo eyinhloko, utshalomali oluncane olungatholwa, nosayizi wokukhishwa kwebhondi.
Ungachofoza kuthebhu ethi “Invest Now” uma usukulungele ukuthenga impahla.
Manje, uzoqondiswa kulesi sikrini lapho ungakhetha khona indawo oyitshalile futhi ubone imbuyiselo oyoyenza ngayo. Ngemuva kokukhetha inombolo yenkatho, chofoza ku-"Invest Now".
Uyobe usuyiswa esangweni lokukhokha, lapho ungavele wenze khona inkokhelo futhi uthole lezi zimpahla.
Isinqumo sami
Sekukonke, i-Wint Wealth inguguquko engxenyeni yokutshala imali yamabhondi. Kunezici eziningi ezahlukene kanye nezinzuzo ezenza uhlelo lokusebenza lugqame emakethe. Abasebenzisi baze bazizwe bephephile ngezinyathelo ezihlukahlukene zokuphepha kanye namachibi okuphepha akhona endawenikazi.
Kodwa-ke, ngingaphakamisa kakhulu ukuthi abafundi bami baqonde ngokuphelele lezi zibopho kuqala. Ngaphambi kokuthatha ucingo, kufanele ubone ukuthi lezi zinkampani ziyakwazi yini ukulawula ubungozi bazo noma cha. Kuhlale kuhle ukuthi uliqonde ngokuphelele ibhizinisi kanye nokusebenza kwalo ngaphambi kokutshala imali oyisebenze kanzima kulo.
Ngithemba ukuthi ukwazile ukuqonda yonke into mayelana ne-Wint Wealth nokuthi iyindlela ekahle yokutshala imali yakho noma cha. Beka amazwana akho futhi ungitshele ingxenye oyithandayo yale nkundla yokutshala imali enamandla.
Qala ukutshala imali nge-Wint Wealth →
Imibuzo Evame Ukubuzwa
I-Wint iyenza kanjani imali?
Njengoba abatshalizimali bethenga amabhondi aphezulu avikelekile, bathola inzalo ngezikhathi ezithile kulokhu kutshalwa kwezimali. I-Wint Wealth ikhokhisa izinkampani ezikhipha inzalo cishe u-1% kuya ku-1.5% wenzalo kukho konke okwenziwa kungxenyekazi yazo.
Ingabe Amabhondi Avikelekile Aphezulu aphephile?
Amabhondi aphezulu avikelwe angamabhondi aphephe kakhulu kule ngxenye. Ngaphandle kokunikeza isivikelo esivikelekile, babuyisela inani eliyinhloko kubatshalizimali kuqala futhi njengesamba sokubuyisela ezenzakalweni zokuphela kwenkampani.
Ingabe i-Wint Wealth iphephile?
Le nkampani ilawulwa yi-RBI kanye ne-SEBI. Lokhu kusho ukuthi awekho amathuba okuthi kube nomkhonyovu noma kwenziwe okuthile okungekho emthethweni kuwo.
Ingakanani inani elincane ongaqala ngalo ukutshala imali nge-Wint Wealth?
Ngosayizi wethikithi yenani elincane kakhulu, abasebenzisi bangatshala imali ephansi njenge-Rs.10,000 ezimpahleni ezikhona kumcebo we-Wint.
Ngingakwazi ukulahlekelwa yimali ngisho nangemva kokuba nakho konke lokhu kuvikeleka kulawa mabhondi?
Yebo, usengalahlekelwa yimali yakho kulezi zimpahla. Ungakhohlwa ukuthi futhi iyithuluzi lokutshala izimali futhi kuhlale kunengozi yokulahlekelwa imali yakho kulezi zinqubo.
shiya impendulo