Amathuba oTyalo-mali oluKhulu aTyalo-mali lwakho e-India.

Yinjongo yomntu wonke ebomini ukufumana imali yakhe kwisicwangciso esithile sokwenza imali.

Njengoko utyala imali oyisebenzele nzima kulo naluphi na uhlobo lwesicwangciso okanye iprojekthi, ulindele ngokwenene imbuyekezo efanelekileyo efanelekileyo emngciphekweni kunye nokulinda.

Nazi iindlela ezili-15 zoTyalo-mali oluKhulu zokuTyala imali yakho eIndiya ngokulula.

1. Iibhondi.

Iibhondi yimali mboleko ethathwe ziinkampani kubatyali mali.

Inkampani, endaweni yokuya ebhankini iyokufumana imali-mboleko, imema abatyali mali ukuba bathenge iibhondi zayo ngenjongo yokufumana imali.

Inkampani ke ibonelela ngenzala yonyaka okanye yonyaka ngenzala yepesenti yexabiso lobuso kwaye ekupheleni kwexesha ekuvunyelwene ngalo okanye ekukhuleni, inqununu ibuyiselwa kumtyali mali ngaloo ndlela iphelisa ibhondi.

Unokufumana phakathi kwe-7% kunye ne-10% yexabiso lobuso rhoqo ngonyaka kutyalo-mali lwebhondi kunye nexesha eliqikelelweyo lokuphinda kabini utyalo-mali lwakho malunga neminyaka esi-7 ukuya kweli-8.

2. ISatifikethi seSizwe soLondolozo (NSC).

Oku kukuvumela ukuba utyale nasiphi na isixa kwaye unamaxesha amabini okuvuthwa okungagungqiyo kwiminyaka emi-5 ukuya kweli-10.

Ngelixa nasiphi na isixa-mali sinokutyalwa, qaphela ukuba utyalomali ukuya kuthi ga kwi-Rs. I-1.5 Lakhs inexabiso eliphantsi.

Lindela malunga ne-7.6% yembuyiselo ngonyaka kwaye ixesha olindele ukuliphinda kabini utyalo-mali lwakho luphakathi kweminyaka eli-9 ukuya kweli-10.

3. Inkqubo yenyanga yeNgeniso yePosi.

Ngaba uyafuna umvuzo wenyanga?

Ke nantsi into enkulu yokwenza loo nto, ekuvumela ukuba utyale imali kwaye ufumane umvuzo wenyanga ngokusekwe kwinqanaba lenzala yonyaka.

Utyalomali oluphezulu ngokukodwa yi-Rs. I-4.5 Lakh ngelixa iyi-Rs. I-9 Lakh ngokudibeneyo.

Kungathatha malunga neminyaka eli-9 ukuya kweli-10 ukuphinda-phinda utyalo-mali lwakho, ngenxa yokuba inzala yonyaka ye-MIS ihlala imalunga ne-7.7%.

4. Idiphozithi eQinisekisiweyo.

Imali yakho uyilungisa kwiakhawunti yebhanki egcinwe ixesha elimisiweyo emva kwexesha oya kuthi emva koko ubuyise zombini inqununu kunye neerhafu ekuvunyelwene ngazo.

Ibuyisa uluhlu ukusuka kwi-7% ukuya kwi-10% ngonyaka kwaye kungathatha ukuya kwi-10 okanye kwi-11 iminyaka ukuphinda-phinda utyalo-mali lwakho.

5. IiNgxowa-mali ezihlangeneyo.

Ingxowa mali mutual yindawo yokuhlangana yemali evela kubatyali mali ezithunyelweyo okanye ezityaliweyo kwiinjongo ezifanayo njengezitokhwe, iibhondi, kunye neeasethi zemarike yemali.

Awudingi nabuphi na ubuchwephesha kuba imali yakho ilawulwa ngokufanelekileyo kwaye ibuyisa uluhlu phakathi kwe-14% kunye ne-16% ngonyaka.

Oko kuthetha ukuba, ufuna kuphela iminyaka emi-4 ukuya kwemi-5 ukuphinda-phinda utyalo-mali lwakho.

6. Inkqubo yolondolozo lwezabelo kwi-equity Links (ELSS).

Ngezantsi njenge-Rs.500, unokutyala ngokulula kwi-ELSS enesibonelelo sokugcina kwirhafu kunye nembuyekezo ephezulu.

Kolu hlobo lotyalo-mali, lindela malunga ne-16% ukuya kwi-18% yembuyiselo ngonyaka. Oku kuthetha ukuba kuyakuthatha iminyaka emi-5 ukuphinda-phinda utyalo-mali lwakho.

7. INgxowa-mali yesiBonelelo soLuntu (PPF).

Ingxowa-mali yesiBonelelo soLuntu eIndiya luhlobo lotyalo mali ekuvumela ukuba utyale kwaye utshixe imali ubuncinci iminyaka eli-15.

Ukurhoxa okungaphelelanga kunokwenzeka kuphela emva kweminyaka emi-6 kutyalo-mali kwaye ingxowa-mali inokukhula kuphela emva kweminyaka eli-15 ubuncinci.

Ukubonelelwa kwe-PPF ngamaxabiso enzala angcono kunediphozithi ezibhankini kwaye oko kunokuba yinto engaphantsi kwe-12% ngonyaka kuthetha ukuba udinga malunga neminyaka eli-9 ukuphinda-phinda utyalo-mali lwakho.

8. Inkqubo yeSizwe yoMhlala-phantsi (NPS).

Inkqubo yeSizwe yePension Pension ikwenza ukuba wonge umhlala phantsi phantsi kweemeko zerhafu ephantsi.

Kungenxa yokuba kufikelela kwi-Rs. 1.5 Lakh baxolelwe kwirhafu phantsi kwecandelo 80C ngelixa ukonga okuphezulu kutsala izibonelelo zerhafu ezingcono.

Ireyithi eqikelelweyo yembuyekezo ngonyaka isusela kwi-8% ukuya kwi-10% kuphela kwiminyaka esi-7 ukuya kweli-9 efunekayo ukuphinda-phinda utyalo-mali lwakho.

9. I-Equity ngqo kwi-Mutual Funds.

Ezi ziindidi zeemali ezihlangeneyo ezikuvumela ukuba ufumane amaxabiso aphezulu kakhulu kunesiqhelo.

Unokufumana imali ephezulu ngaphezu kwama-20% kwiisitokhwe ezizezinye ngezi ntlobo zeemali ezihlanganyelanayo ngokuxhomekeke kwinkampani.

Oku, nangona kunjalo, akunakubakho emva konyaka omnye kodwa iminyaka emininzi njengeminyaka emi-5.

Funda kwakhona: Uyenza Njani Imali kwi-Intanethi | 11 Umsebenzi obalaseleyo we-Captcha wase-India.

Qaphela - utyalomali olungenankathalo koku lunokubeka imali yakho emngciphekweni welahleko.

Ngokubanzi, lindela malunga ne-16% ukuya kwi-18% ngonyaka, kwaye ixesha eliyiminyaka emi-4 ukuya kwemi-5 liya kwanela ukuliphinda kabini utyalo-mali lwakho. 

10. Mutual Fund.

Olu lutyalo-mali lwexeshana elifutshane kwii-asethi ezifana namatyala kaNondyebo, amaphepha orhwebo, okanye ii-CD zebhanki.

Ezi asethi zexeshana elifutshane zinexesha lokuvuthwa elingaphantsi kweentsuku ezingama-91 kwaye zibuyela phakathi kwe-5% kunye ne-7% ngonyaka.

Oku kuthetha ukuba kungathatha ubuncinci iminyaka eli-11 ukuyiphinda kabini imali oyityalileyo.

11. Unikelo loLuntu lokuQala (IPO).

I-IPO luhlobo olubuyiswayo oluphezulu lotyalo-mali apho imali yakho imiselwe i-7 kwiintsuku ze-15 kwizitokhwe zeenkampani ezinikezelweyo.

Utyalo-mali kwiinkampani eziqhuba kakuhle lunokukufumana hayi ngaphantsi kwe-20% ukuya kwi-25% yembuyekezo yonyaka.

Oko kuthetha ukuthini, kwiminyaka emi-3 ukuya kwemi-4, uya kube uluphinda kabini utyalo-mali lwakho.

12. Idiphozithi ephindaphindayo (RD).

Iidiphozithi eziphindaphindayo ziindidi zotyalo-mali apho imbuyekezo ibalwa ngokufanayo nakwiidipozithi ezisisigxina zebhanki.

Nangona kunjalo, ezi ntlobo zediphozithi ezisisigxina zivuthwa emva kweminyaka emi-3.

Oku kuthetha ukuba, ukuba ufuna utyalo-mali lwexesha elide, uya kuhlala ufaka idiphozithi emva kweminyaka emi-3, kungoko kuthiwe iDipozithi eZiphindayo.

Ukufumana imbuyekezo yonyaka ngeqondo leepesenti ezisi-7 kuthetha ukuba kwisithuba seminyaka elishumi ukuya kweli-10, uyakube uliphindaphinde utyalo-mali lwakho ngokulungileyo.

13. Ukuthengisa izindlu nomhlaba.

Ibango lendawo yeofisi eIndiya luphawu olucacileyo lokuba ukuThengiswa kweNtengiso yeNtengiso lukhetho olunenzuzo.

Utyalo-mali ngendlela apho abatyali-mali abaliqela badibanisa khona ukutyala imali kwintengiso yezorhwebo sisivumelwano sokwenyani.

Olu hlobo lotyalo-mali luqinisekisa ukubuya malunga ne-12% ukuya kwi-15% ngonyaka oko kuthetha ukuba kwisithuba seminyaka emi-6, utyalo-mali lwakho luza kuphindeka kabini.

14. Iakhawunti yoGcino ngokuTshiza kwiZiko.

Iakhawunti yokonga eneNdawo yokuTshayela luhlobo lotyalo-mali olufana notyalo-mali olusisigxina ebhankini.

Apha, uyavumelana nebhanki yakho ukuba nayiphi na imali ebekiweyo ngaphezulu komda othile iya kuguqulwa ngokuzenzekelayo ibe yidiphozithi esisigxina kwaye naliphi na inani lemali elingaphantsi kwelo nqanaba liya kuguqulwa libe lulondolozo oluqhelekileyo.

Ngolu hlobo lotyalo-mali, imbuyekezo iphakathi kwe-6% kunye ne-7% ngonyaka. Oko kuthetha ukuba iminyaka eyi-10 yanele ukuphinda kabini utyalo-mali lwakho.

15. Utyalo-mali ngokuthe ngqo.

Oku kwenzelwe abantu abanomngcipheko omkhulu wokutya.

Utyalomali oluthe ngqo kwi-Equity luphethe umngcipheko omkhulu kwaye ngokulinganayo, kunokwenzeka ukubuya okuphezulu.

Utyala imali ngobulumko kwizabelo zeenkampani ezikhethiweyo ezinamathuba okwenza kakuhle ukunciphisa umngcipheko kunye nokunyusa imbuyekezo.

Imbuyiselo ephezulu njenge-18% ngonyaka inokwenzeka ngoTyalo-mali oluLinganayo kwi-Equity kwaye oku kuguqulela kwiminyaka emi-4 kuphela yokuphindaphinda utyalo-mali lwakho. Qaphela ukuba ufuna iakhawunti yeDemat ukuze utyalomali kwi-Equity ngokuthe ngqo.

Sigqibo.

Ngaba ubuzibuza ukuba uyityala phi imali yakho e-India?

Ke ndiyabheja awusayi kuphinda ukhathazeke kuba ngoku uyazi ukuba ungayithatha phi imali yakho ukwenza ingeniso yesiqhelo njengoko usenza ishishini lakho eliqhelekileyo.