Ingabe udidekile mayelana nokuthi yiluphi uhlelo lokusebenza okufanele ulusebenzise phakathi kwe-Winvesta futhi unikezwe ukuze uqale ukutshalwa kwezimali kwakho okuqondile kwamazwe ngamazwe?
Ngilapha ukuze ngikusize.
AmaNdiya asanda kwenza izimali ezinkulu eziqondile zamasheya. Abantu abaningi basebenzise ithuba lokusebenzela ekhaya ngenxa yokuqubuka kwe-COVID-19 ngokuthenga amasheya.
Lokhu kungenxa yokuthi imakethe yamasheya yase-US ibhekene nezinxushunxushu zesikhashana. Kodwa, izimakethe zinamandla amakhulu okukhula esikhathini esizayo, okuzenza zibe ezinye izindlela ezifiselekayo esikhundleni sesitoko saseNdiya.
Ngenxa yezinhlelo zokusebenza zesimanje, abantu manje sebengakwazi ukuthenga izitoko ezisohlwini lomhlaba wonke, okuhlanganisa nezimakethe zase-US.
Ngaphansi Kohlelo Lwemali Yokuthunyelwa Kwemali Ekhululekile (LRS), amaNdiya angatshala u-$250,000 phesheya kwezilwandle onyakeni wezimali owodwa ngaphandle kokucela imvume ku-Reserve Bank of India.
Indlela enhle yokuba abatshalizimali abaphumelelayo bahlukanise iphothifoliyo yabo ngokuthenga amasheya angaphandle.
I-Winvesta ne-Vested yizicelo eziphezulu zokutshala izimali ezidumile kulesi sigaba.
Ngaphambi kokukhetha uhlelo lokusebenza lokutshala izimali, ukuhlolwa kwangemuva kuyadingeka. Kufanele uphenye ngokucophelela izici ezinikezwa yilezi zinhlelo zokusebenza ezimbili.
I-Winvesta ne-Vested zombili zinikeza izici ezibalulekile njengokuphepha, ukuphepha, nezindlela zokulawula. Kodwa akukhona lokho kuphela okufanele ukuhlole. Uhlelo lokusebenza oluhle lokutshala izimali kufanele lube nempendulo yekhasimende enhle, izinkokhelo ezivamile, namasevisi athembekile.
Ngilapha ukuze ngikusize ekunqumeni, ngakho qhubeka ufunda ukuqhathanisa kwami kokuthi Winvesta vs. Vested.
Yini uWinvesta?
Winvesta iyinkundla yomeluleki we-robo ehlinzeka ngezinsizakalo zokuphatha ukutshalwa kwezimali kubantu ngabanye nakumabhizinisi. Isebenzisa ama-algorithms athuthukisiwe kanye nobuhlakani bokwenziwa ukuze ihlaziye izimakethe zezimali futhi yenze izincomo zokutshala imali kubasebenzisi bayo.
I-Winvesta inikeza izinhlobonhlobo zezinketho zokutshala izimali, okuhlanganisa amasheya, amabhondi, nama-ETF, futhi ivumela abasebenzisi ukuthi bazibekele imigomo yabo yokutshala izimali kanye nokubekezelela ubungozi. Inkundla yakhelwe ukuthi isebenziseke kalula futhi ifinyeleleke kubantu bawo wonke amazinga esipiliyoni sokutshalwa kwezimali.
U-Winvesta uthi unikeza indlela elula nengabizi ukuze abantu batshale futhi baphathe imali yabo, ngezimali eziphansi futhi kungekho mfuneko encane yokutshala imali.
Inkundla inikeza izibuyekezo ezivamile nemibiko ukusiza abasebenzisi ukulandelela ukusebenza kwephothifoliyo yabo futhi benze izinqumo zokutshala izimali ezinolwazi.
I-Winvesta iphinde inikeze izinsiza zemfundo nokwesekwa kwamakhasimende ukusiza abasebenzisi baqonde inqubo yokutshala izimali futhi basebenzise ngokugcwele ukutshalwa kwabo.
I-Winvesta ilawulwa yi-UK's Financial Conduct Authority (FCA). Ngohlelo lokusebenza lwe-smartphone, lwenza abatshalizimali abancane bakwazi ukuthenga amasheya ezinkampani ze-S&P 500.
Basebenzisa amabhange e-Tier-1 emhlabeni wonke, okuwenza avikeleke futhi athembeke. Umthetho uyakwenqabela uWinvesta ekubolekeni imali, ekutshaleni, noma ekuyisebenziseleni izinjongo zebhizinisi.
Uhlelo lokusebenza lwe-Winvesta lunokulandiwe okungaphezu kuka-50k ku-Google Playstore kanye nesilinganiso esimaphakathi esingu-4.4 ku-Apple App Store.
Ngenkathi usebenzisa uhlelo lokusebenza, uzobhalisa iphrofayela yakho ye-brokerage ne-DriveWealth, eqinisekiswe nge-SEC kanye ne-FINRA.
Yini i-Vested?
I-Vested Finance iyinkundla yokutshala imali eku-inthanethi evumela abatshalizimali baseNdiya ukuthi batshale imali ezimakethe zamasheya e-United States. Yasungulwa ngo-2018 futhi ikomkhulu layo lihlala eMountain View, eCalifornia.
Njengoba lokhu kuwudaba kubatshalizimali abaningi, i-Vested Finance ikuvumela ukuthi uthole amasheya ama-fractional equities aseMelika, abiza kakhulu kumaNdiya.
Ngaphezu kwalokho, i-Vested Finance ayinazo izimali zokubhalisa i-akhawunti noma izinkokhiso ezifihliwe, okwenza kube ukukhetha okunengqondo kakhulu kubatshalizimali.
Kodwa linda, kukhona okwengeziwe. I-Vested Finance ikhulise imali engenayo engaphezu kuka-$15M, futhi inabasebenzisi ababhalisiwe abangaphezu kwezigidi ezingu-150 emhlabeni jikelele.
Izici ze-Winvesta
Thola Izinkokhelo kwamanye amazwe
I-Winvesta ingamukela izinkokhelo kunoma yiziphi izinhlobo zemali ezingu-30+ isebenzisa ulwazi lwe-akhawunti yayo yangasese ngaphandle kokukhokha izindleko zokuqoqa ezibizayo. Ungathola futhi imali ngezinhlobo zemali ezihlukene ezingaphezu kuka-30 usebenzisa i-SWIFT/Wire.
Ungasebenzisa ama-akhawunti abo eqoqo lendawo ukuze wamukele izinkokhelo nge-USD, GBP, CAD, ne-EUR e-United States, e-United Kingdom, e-Canada naseYurophu. Abakhokhisi noma yiziphi izindleko ezengeziwe zamarisidi endawo.
Ukudluliselwa Kwendawo Kwamakhasimende Akho
Ivumela abasebenzisi ukuthi bakhokhe nge-USD, GBP, EUR, ne-CAD ngokuthola imininingwane ye-akhawunti yendawo yebhizinisi lakho. I-Winvesta iphinde inikeze ukuhoxiswa kosuku olufanayo eNdiya, okulula kakhulu.
Ngalokhu, uzokwazi ukuthola imali e-India ngendaba yamaminithi ngokuguqula ngamanani e-FX asobala.
Uhlu oluhle lwemikhiqizo yezezimali
I-Winvesta iphinde inikeze izinketho eziningi zemikhiqizo yezezimali kubasebenzisi bayo. Lokhu kuhlanganisa:
- Izabelo. Finyelela izitoko ezisohlwini lwe-New York Stock Exchange (NYSE), i-National Association of Securities Dealers (NASDAQ), kanye ne-American Stock Exchange (AMEX) (AMEX). Ngenxa yalokho, usungakwazi manje ukuhweba amasheya ezinkampanini zaseMelika ezaziwayo ezifana neTesla ne-Apple.
- Ama-ADR. Isitoko senkampani yangaphandle simelelwa ama-ADR, noma Amarisidi e-American Depository, avumela ukuhweba kwalawo masheya ezimakethe zezimali zase-US. Lokhu kusho ukuthi uWinvesta angakwethula ezinkampanini zakwamanye amazwe ezinekomkhulu elingaphandle kwe-US.
- Ama-ETF. Ungasebenzisa ama-ETF ukutshala imali emikhakheni ethile yemakethe, kusukela embonini kawoyela kuya ku-biotechnology. Ama-ETF angamathuluzi okutshalwa kwezimali ahlanganisa izimpahla ezimbalwa “esikhwameni” esisodwa, okukuvumela ukuthi utshale ngokushesha ezingxenyeni ezinkulu zemakethe.
Izici ze-Vested
I-akhawunti Yokuhweba yase-US Nomshuwalense
Ama-akhawunti asebhange aphethwe yi-Drivewealth, okuyinkampani eyaziwa kakhulu yaseMelika. Wonke ama-akhawunti adalwe yi-Vested afakwe umshwalense wesilinganiso esiphezulu esingu-$500,000.
Amaphothifoliyo Athuthukisiwe
Ama-Vested anikezwayo akhethwe ngesandla, amaphothifoliyo akhelwe ngaphambilini.
Izigaba ezimbili zamavesti zisekelwe kumgomo kanye nendikimba. Ukutshalwa kwezimali okusekelwe endikimbeni kubhekisela ekukhetheni ukutshalwa kwezimali okungaba khona ngokusekelwe kumazinga omkhakha. Amavesti asekelwe emigomeni angase agxile ezinhlosweni ezifana nokuhlukahluka kwephothifoliyo, ukuphathwa kwezingcuphe zokutshala izimali, njll.
Commission
I-Vested ayikhokhisi ikhomishini ekuthengeni isitoko okwenziwa e-US. Lesi isici esihle kakhulu kubo bobabili abathengisi abangajwayelekile nabavamile. Le nketho yokutshalwa kwezimali okungeyona ikhomishini ingaba usizo uma uhlose ukutshala imali yesikhathi eside.
Izinketho Zotshalomali
I-Vested inikeza ukufinyelela kumasheya angaphezu kuka-1500 ase-US nama-ETF. Ngo-$3 iphothifoliyo ngayinye. Amaphrofayili okutshalwa kwezimali ahloselwe ukunikezwa ahlinzekwa. Uhlelo lwe-Premium lunikeza ama-Vest angafika kwangu-9 ngaphandle kwezindleko ezengeziwe.
Amaphrofayili okutshalwa kwezimali aklanyelwe anikeza abasebenzisi ukufinyelela ethuluzini lokuphatha iphothifoliyo elibanzi ukuze bakhe, baqaphe, futhi baphathe amaphothifoliyo abo ngendlela eguquguqukayo.
Ama-Vested's Vest avumela abasebenzisi ukuthi batshale imali kuma-ETF nasekwakhiweni okusha okuvelayo okufana ne-metaverse, ubuhlakani bokwenziwa, amarobhothi, kanye ne-blockchain.
Amasheya
Ungathenga izingxenye noma izingxenyana zamasheya kunesabelo esiphelele. Lo msebenzi muhle kwabaqalayo nabatshalizimali abancane abafuna ukutshalwa kwezimali okuncane. Izindleko zezabelo ze-US ziphezulu.
Ezinye izici
Amasheya Nama
Amakhasimende aqinisekisiwe angakwazi ukufinyelela ezinkampanini ezingaphezu kwe-1,000 ezisohlwini lokuhwebelana lwase-US njenge-NYSE ne-NASDAQ. Ukwengeza, amasheya angama-fractional ayatholakala ukuze athengwe futhi athengiswe, okukuvumela ukuthi ulawule ingxenye ye-Netflix noma ye-Amazon nge-$1 kuphela.
ETFs
Ama-ETF angamathuluzi okutshala imali akuvumela ukuthi unwebe iphothifoliyo yakho ngokuchofoza okukodwa nje futhi ubambe amakhulu ezitoko. I-Vested inikeza ukufinyelela kuma-ETF angaphezu kwe-100 agxile emazweni afana ne-Australia nezimboni ezifana nama-semiconductors.
Izivivinyo
Ama-Vest amaphothifoliyo akhethekile acutshungulwa ngaphambili futhi aphethwe ngokomsebenzi ngabaphathi bezikhwama. Afana nama-ETF anetimu efana ne-Ark Invest, ekuvumela ukuthi ubheje embonini ethile noma okukhethekile kwemakethe.
Uhlelo lokusebenza lweselula olunikezwe
Uhlelo lokusebenza lweselula oluVested, olufinyeleleka kukho kokubili i-iOS ne-Android, likuvumela ukuthi uthenge futhi udayise amasheya usohambeni. I-Vested inamandla afana nezinhlobo zama-oda ayinkimbinkimbi kanye nezihloko zezindaba ezithile, futhi isofthiwe yayo icacile futhi kulula ukuyisebenzisa.
Amathuluzi Nocwaningo
Ungalanda zonke izikrini zemakethe, izindatshana zocwaningo, nezibuyekezo zomhlaziyi mahhala.
Izaziso
Ungasetha izaziso kuhlelo lokusebenza leselula ukuze waziswe ngokuhamba kwesitoko, izindaba, izibuyekezo zebhizinisi, nemihlangano yebhodi.
Ukuqhathanisa Okuningiliziwe Phakathi kukaWinvesta kanye Ne-Vested
Amacala Okuthengisa
I-Winvesta ikhokhisa u-1.50% yenani lohwebo (ubuncane be-$1 ngokuhweba ngakunye) ezinkokhelweni zokudayisa. Khonamanjalo, i-Vested Finance iqinisekisa ikhomishini engu-0% njengenjwayelo kubathengi bayo. Ngenxa yalokho, i-Vested iba inketho eshibhile kakhulu kubatshalizimali.
Imali ekhishwayo
I-Winvesta ivumela ukuhoxiswa kwamahhala ku-akhawunti yokuhweba ku-Winvesta MCA, kuyilapho ikhokhisa imali engu-$10 ngokukhipha ngakunye kwemali ku-akhawunti.
Kodwa-ke, kunenkokhiso engu-$5 yokuhoxiswa ngakunye okuphumelelayo kwezimali ku-Vested Finance. I-Vested ihlala iyinketho enenzuzo kakhulu kuleli cala.
Amanye Amacala
Ukuhweba kokuqala okungu-10 e-Winvesta kumahhala enyangeni yakho yokuqala, kodwa okokuqala kuphela okuthathu okumahhala ezinyangeni ezilandelayo. Konke ukuhweba okulandelayo kuzokhokhiswa imali yanyanga zonke engu-$1 ngokuhweba ngakunye.
Ukuhweba ku Kuthengisiwe imahhala. Ngeke ukhokhiswe lutho ukuthenga nokuthengisa.
Uma ufuna ukudlulisela amasheya akho komunye umthengisi, izindleko eziphelele e-Winvesta zizoba ngu-$100. Lokhu akucacisiwe ku-Vesta Finance.
Ungakhokhiswa imali ephakathi kuka-$25.00 no-$85.00 uma ukudluliselwa ngezintambo ku-akhawunti yakho ye-Winvesta noma ukuphuma kubhampa noma kwehluleka. Le mali ivame ukukhokhiswa ibhange lesithathu okukhulunywa ngalo.
Inkokhelo yokudlulisa ngezintambo ehlulekile ye-Vested ingu-$20.00 ukudlulisa okuhlulekile ngakunye, okulungisiwe.
Kusukela kulokhu okungenhla, i-Vested Finance isalokhu igxile ku-Winvesta mayelana nazo zonke ezinye izimali kanye nezindleko.
Ukuphepha
Winvesta
U-Winvesta ugunyaziwe futhi ungaphansi kokulawulwa ngokungaqondile yi-FCA, umlawuli wezinsizakalo zezezimali wase-UK. I-Liberalized Remittance Scheme, evumela izakhamizi zaseNdiya ukuthi zenze imali efinyelela ku-$250,000 ekutshalweni kwezimali phesheya kwezilwandle minyaka yonke, umthetho owodwa we-SEBI uWinvesta awuthobelayo.
I-Drivewealth, ephinde iqinisekiswe nge-SEC kanye ne-FINRA, izobhalisa i-akhawunti yakho yomthengisi.
I-Winvesta nayo ivame ukubhekwa njengevikelekile.
Kuthengisiwe
Imithethonqubo ye-Securities and Exchange Commission (SEC) ibusa i-Vested Finance njengoba ingumeluleki wokutshalwa kwezimali obhaliswe nge-SEC. Phakathi kwezimali ezixhasa ngezimali iVested Finance kukhona iDorm Room Fund, Hustle Fund, Axis Bank, kanye ne-ICICI Bank.
I-Vested ivame ukubhekwa njengento engenabungozi.
Lezi zingxenyekazi zombili azinabungozi ngokwezokuphepha. Awekho amapulatifomu ahlanganayo.
U-Winvesta Ubuhle Nebubi
buhle
- Ukutholakala kwezimakethe zezabelo ze-US
- Uhlelo lokusebenza olulula ukulisebenzisa lokuhweba elenza ukutshala imali kube lula
bawo
- Iqembu elikhethiwe kuphela lamasheya elithola izibuyekezo zokutshalwa kwezimali komhlaziyi.
- Akukho ukufinyelela kwekusasa, indices, cryptocurrencies, derivatives, ongakhetha, noma ukunikezwa komphakathi kokuqala (ama-IPO).
Izinzuzo Nezingozi Ezinikeziwe
buhle
- Amaphothifoliyo anezihloko, isibonelo, anezici ezehlukanisayo.
- Isakhiwo sekhomishana esihlukile
- Ukuhweba mahhala ikhomishini
bawo
- Akukho ukufinyelela kokunikezwayo kokuqala komphakathi, amabhondi, okuphuma kokunye, izimpahla, noma ama-cryptocurrencies (IPOs).
- Alukho uhlelo lokusebenza lwedeskithophu olutholakalayo.
Imicabango Final
Sekukonke, uWinvesta kanye neVested angamathuluzi amahle kakhulu okutshala imali e-United States. Ngakolunye uhlangothi, i-Vested inikeza ezinye izindlela zokutshala imali ezilula nezisheshayo, kuyilapho i-Winvesta ikuvumela ukuthi utshale ezinhlobonhlobo zezimpahla ezifana ne-Mutual Funds, ama-ETF, ama-Fixed deposit, ama-NFO, nama-NPS.
Kodwa-ke, uma ngifuna ukutshala izimali ezitokisini zase-United States, ngingakhetha I-Vested Finance ngenxa ye-AlphaScreener yayo enhle kakhulu, ehlinzeka ngokuhlola okujulile namathuluzi okusiza ekuphenyeni izitoko nezinye izimpahla.
Amadiphozithi aqondile e-Vested kanye nokutshalwa kwezimali okujwayelekile kunikeza izinzuzo ezimbalwa kubatshalizimali bayo, okuyenza ibe enye indlela ekhethwayo yokutshala imali ezimakethe zase-United States.
Ngaphandle kwalokho, iziqhathaniso eziningi ezikhonjiswe ngenhla zivuna i-Vested. Inezinkokhelo nezinkokhiso ezimbalwa, ukulanda okwengeziwe, nabantu abaningi abakuhlolayo, nakuba lezi zilinganiso ezimbili ziyalingana.
shiya impendulo