Utyalo-mali kwiiNgxowa-mali eziDityanisiweyo: Yeyiphi iNkampani onokuthi uye kuyo?

Ngaba ungumtyali-mali omtsha we-mutual fund?

Ukuba kunjalo, kuyaqondakala ukuba awukwazi ukuba yeyiphi imali oza kutyala kuyo.

Kukho iinkampani ezininzi ezahlukeneyo apho kwaye nganye ineenqobo zayo kunye nezicwangciso zayo.

Esi sithuba siya kunceda ukumisela eyona mali ilungileyo yepotfoliyo yakho ngokuthelekisa enye kwenye!

Kodwa kuqala, makhe sifunde ukuba yintoni i-mutual fund.

Yintoni ingxowa-mali yokubambisana?

Ingxowa-mali ehlangeneyo sisixhobo sezemali esivumela abatyali-mali ukuba badibanise imali yabo kunye nokutyala imali kwiintlobo ezahlukeneyo zokhuseleko.

Iimali ezihlangeneyo ziqhele ukwahlukana, oku kuthetha ukuba batyala imali kwii-asethi ezahlukeneyo, ezinceda ukunciphisa umngcipheko onxulumene notyalo-mali.

Kutheni kufuneka utyale imali kwiingxowa-mali ezifanayo?

Kukho izizathu ezininzi zokuba kutheni kufuneka utyale imali kwiingxowa-mali ezifanayo.

Okokuqala, iingxowa-mali ezihlangeneyo zinika abatyali-mali ithuba lokudibanisa imali yabo kunye nokutyalomali kwiintlobo ezahlukeneyo ze-asethi.

Oku kunceda ukunciphisa umngcipheko onxulumene notyalo-mali.

Okwesibini, iingxowa-mali ezihlangeneyo ziqhele ukwahlukana, oku kuthetha ukuba batyala imali kwii-asethi ezahlukeneyo.

Oku kunceda ukusasaza umngcipheko kwaye kunika abatyali-mali ukuvezwa kwiimarike ezininzi.

ekugqibeleni, iingxowa-mali ezihlangeneyo zinika abatyali-mali ithuba lokutyalomali kwiinkampani eziphezulu ngexabiso eliphantsi.

Ziziphi iintlobo ezahlukeneyo zeengxowa-mali ezifanayo?

Kukho inani leentlobo ezahlukeneyo zeengxowa-mali onokuthi utyale kuzo, kubandakanywa -

• Iimali zeEquity,
• Iimali zamatyala,
• Nemali elinganayo.

Iimali ze-Equity zityala kwi-stocks ngelixa iimali zetyala zityala imali kwiibhondi.

Iimali ezilungelelanisiweyo zityala imali kuzo zombini iimarike ze-equity kunye namatyala.

Uzithenga njani iingxowa-mali ezifanayo?

Kukho iindlela ezimbini zokuthenga iiyunithi zeengxowa-mali ezihlangeneyo, kubandakanya ngokuthe ngqo ngenkampani ekhuphayo okanye ngokungathanga ngqo nomthengisi.

Ukuthenga ngokuthe ngqo kumthombo, kufuneka ube neakhawunti kunye nabo ngokuthenga iimveliso zabo.

Kungenjalo, ungathenga kumthengisi, ongumthetheli phakathi kwakho kunye nomthombo.

Ngaba iimali ezihlangeneyo zenza njani imali?

Iimali ezihlangeneyo zikholisa ukwenza ingeniso ngeendlela ezimbini: ngemirhumo okanye ngokufumana inzala kutyalo-mali lwabo.

Imirhumo inokubandakanya iimali zokusebenza zokuvelisa imbuyekezo eyomeleleyo kunye neemali zokulondolozwa kwe-akhawunti ukuhlawula iindleko zolawulo ezinxulumene nokulawula i-akhawunti yakho.

Zenziwa ngantoni iingxowa-mali ezihlangeneyo?

Iingxowa-mali ezihlangeneyo zinempahla eninzi abatyala kuyo, ebizwa ngokuba yipotfoliyo yabo.

Uhlobo lwezibambiso ezikhoyo kwipotfoliyo luya kuxhomekeka kwinjongo yotyalo-mali lwengxowa-mali kunye nesicwangciso-qhinga.

Ngokomzekelo, ii-equity mutual funds ngokuqhelekileyo zityala imali eninzi kakhulu kwii-stocks ngelixa iimali ezijoliswe kwityala ezihlangeneyo zijolise ukutyalomali kwiibhondi eziphezulu.

Uthini umahluko phakathi kweengxowa-mali ezifanayo ezivulekileyo nezivaliweyo?

Umahluko omkhulu phakathi kweengxowa-mali ezihlangeneyo ezivulelekileyo nezivaliweyo zikwimeko yokuhlawula amatyala.

Iimali ezivulekileyo zivumela abatyali-mali ukuba bathenge kwaye bathengise iiyunithi nangaliphi na ixesha, ngelixa iimali ezivaliweyo zinenani elimiselweyo leeyunithi ezifumanekayo kubatyalo-mali.

Iimali ezivaliweyo ngokuqhelekileyo trade kwi-stock exchange, evumela ukufunyanwa kwexabiso elikhulu.

Uthini umahluko phakathi kweengxowa-mali ezihlangeneyo kunye nee-ETF?

Umahluko omkhulu phakathi kweengxowa-mali ezihlangeneyo kunye noTshintsho Traded IiNgxowa-mali (ETFs) kukuba iingxowa-mali ezihlangeneyo zilawulwa ngokusebenzayo ngelixa ii-ETF zilawulwa ngokungenzi nto.

Oku kuthetha ukuba abaphathi beengxowa-mali ezihlangeneyo bahlala bethenga kwaye bethengisa izibambiso kwiinzame zokubetha imarike, ngelixa abaphathi bee-ETF balandelela nje i-benchmark.

Ngoku sinombono malunga nokuba zithini iingxowa-mali ezihlangeneyo, masifumane nje ezona nkampani ziphambili zengxowa-mali esinokutyala kuzo ngo-2024.

Zeziphi ezinye zeeNgxowa-mali zoThunyelo ezilungileyo zokubeka imali yakho ngo-2024?

I-Mutual Funds lukhetho olukhulu lotyalo-mali kwabo bafuna ukutyala imali encinci yemali ngenyanga.

Banikezela abatyali-mali amandla okuthenga kwiipotfoliyo ezilawulwa ngobuchwephesha ezibanika ukuvezwa kwizitokhwe ezininzi ezahlukeneyo okanye iibhondi, rhoqo ngaphandle kokuthenga ukhuseleko ngalunye ngokuthe ngqo.

Xa kufika ixesha lokutshala imali kwiimali ezihlangeneyo, kukho i-plethora yemali yokukhetha.

Nangona kunjalo, ayizizo zonke iimali ezihlangeneyo ezenziwe ngokulinganayo kwaye abatyali-mali kufuneka benze inkuthalo yabo ngaphambi kokutyala imali kuyo nayiphi na ingxowa-mali.

Oku kulandelayo luluhlu lwezona ngxowa-mali ziphezulu ezilishumi eziphezulu ekufuneka abatyali mali bacinge ngokufaka imali yabo ngo-2024:

1. SBI Magnum Multi-Cap Fund
2. INgxowa-mali yaMathuba okuReliance Equity
3. INgxowa-mali yokuKhula kweReliance
4. I-HDFC Top 200 Fund – iSicwangciso esiQhelekileyo
5. I-AXIS Hybrid Fund Direct-Dividend Option (Ukukhula)
6. i-Kotak yeXesha elide i-Advantage Scheme (iNtlawulo yeSahlulo esiNgqo)
7. I-ICICI Prudential Balanced Advantage Fund Ngqo ngenyanga yeSahlulo seNtlawulo yeNyanga
8. I-ICICI Prudential Balanced Advantage Fund Direct ngekota Intlawulo yezahlulo
9. UTI Flexi Cap Fund
10. Mirae Asset Hybrid Equity Fund.

1. SBI Magnum Multi-Cap Fund

I-SBI Magnum Multi Cap Fund lukhetho olukhulu kwabo bafuna ingxowa-mali ehlukeneyo.

Le ngxowa-mali inesitokhwe kwi-stock-cap kunye ne-mid-cap stocks, iyenza ilungele abatyali-mali abafuna ukutyala imali kwiinkampani ezinemali enkulu yemalike kunye nezo zisakhula.

Ukongeza, le ngxowa-mali inika abatyali mali ukuvezwa kweenkonzo zezemali, amandla, kunye namacandelo etekhnoloji.

Ukuba unomdla wokufunda ngakumbi malunga nale ngxowa-mali macala phambi kokuba wenze utyalo-mali uzive ukhululekile ukutyelela SBI Magnum iwebhusayithi kwaye uxoxe nenkampani phila ngolwazi oluthe kratya.

2. INgxowa-mali yaMathuba eReliance Equity

INgxowa-mali yaMathuba okuReliance yingxowa-mali ehlangeneyo egxile kutyalo-mali kwii-equity securities.

Le ngxowa-mali ijonge ukwenza utyalo-mali kwiinkampani ezinombono oqinileyo osisiseko kwaye zilungele ukukhula.

Ukongeza, ingxowa-mali inepotfoliyo eyahlulwe kakuhle kumacandelo ahlukeneyo, nto leyo eyenza ibe lolona khetho lufanelekileyo lotyalo-mali kwabo bafuna ukuphepha ukubeka onke amaqanda abo kwibhaskithi enye.

3. INgxowa-mali yokuKhula kweReliance.

I-Reliance Growth Fund yingxowa-mali ehlangeneyo eyenza utyalo-mali kwizitokhwe ezijolise ekukhuleni.

Ingxowa-mali ijonge ukwenza utyalo-mali kwiinkampani ezinombono oqinileyo wekamva kwaye zibonelele ngesakhono esiphezulu sokuxabisa imali.

Kutheni kufuneka utyale imali kwiReliance Growth Fund

Le ngxowa-mali inepotfoliyo eyahlulwe kakuhle kumacandelo ahlukeneyo kwaye inika abatyali-mali ithuba lokuzuza imali eninzi.

Ukongeza, ingxowa-mali inerekhodi eqinisekisiweyo yokuvelisa imbuyekezo enamandla kubatyali-mali bayo.

Ukuba ujonge ingxowa-mali ehlangeneyo egxile kutyalomali ekukhuleni kwesitokhwe, iNgxowa-mali yokuKhula kweReliance yindlela enkulu kuwe.

4. I-HDFC Top 200 Fund – iSicwangciso esiQhelekileyo

I-HDFC Top 200 Fund yingxowa-mali ehlangeneyo etyala imali kwiinkampani ezidweliswe kwi-Bombay Stock Exchange (BSE).

Le ngxowa-mali ijonge ukutyala imali kumashishini akumgangatho ophezulu kwaye inika abatyali mali ukuvezwa kumacandelo ahlukeneyo.

Kutheni kufuneka utyale imali kwi-HDFC Top 200 Fund - iSicwangciso esiQhelekileyo

Le ngxowa-mali ilawulwa liqela leengcali ezinamava kwaye ivelise imbuyekezo eyomeleleyo kubatyali-mali bayo kwiminyaka edlulileyo.

Ukongeza, ingxowa-mali inika abatyali-mali ukuvezwa kumashishini akumgangatho ophezulu adweliswe kwi-BSE.

Ukuba ukhangele i-fund ye-mutual fund egxininise ekutyalweni kwee-stocks zeenkampani eziphezulu, i-HDFC Top 200 Fund - iSicwangciso esiQhelekileyo siyindlela enkulu kuwe.

5. I-AXIS Hybrid Fund Direct-Dividend Option (Ukukhula)

I-AXIS Hybrid Fund Direct-Dividend Option yingxowa-mali ehlangeneyo eyenza utyalo-mali kuwo omabini amatyala kunye nezibambiso ze-equity.

Ingxowa-mali ijonge ukutyala imali kwiintlobo ngeentlobo zezixhobo zemali, inika abatyali mali ukuvezwa kwiindidi ezahlukeneyo ze-asethi.

Kutheni kufuneka utyale imali kwi-AXIS Hybrid Fund Direct-Dividend Option (Ukukhula)

Le ngxowa-mali inika abatyali-mali ithuba lembuyekezo ephezulu kunye nomngcipheko ophantsi njengoko ityala imali kuzo zombini iimarike zamatyala kunye ne-equity.

Ukuba ujonge ukutyala imali kwingxowa-mali edibeneyo etyala imali kwiimarike ezininzi, i-AXIS Hybrid Fund yeyona ndlela ilungileyo kuwe.

6. I-Kotak Yexesha Elide i-Advantage Scheme (iNtlawulo yeSahlulo esiNgqo)

I-Kotak Long Term Advantage Scheme yingxowa-mali ehlangeneyo etyala imali kumatyala kunye nezibambiso zezabelo.

Iskimu sijonge ukunika abatyali-mali ixesha elide lokuxabisa imali ngokutyala imali kwiinkampani ezikumgangatho ophezulu.

Kutheni kufuneka utyale imali kwi-Kotak Long Term Advantage Scheme (Intlawulo yeSabelo esiNgqongileyo)

Njengezinye iingxowa-mali ezidweliswe apha, ingxowa-mali ye-Kotak ivelise imbuyekezo eyomeleleyo kubatyali-mali bayo kwiminyaka edlulileyo kwaye inikezela ngokutyhileka kuzo zombini iimarike zamatyala kunye ne-equity.

Ukuba ujonge ingxowa-mali ehlangeneyo etyala imali kwiiklasi ezininzi ze-asethi, i-Kotak Long Term Advantage Scheme (iNtlawulo eNgqongileyo yoLwahlulo oluNgqongileyo) lukhetho oluhle kakhulu kuwe.

7. ICICI Prudential Balanced Advantage Fund Direct Monthly Monthly Dividend Option

I-ICICI Prudential Balanced Advantage Fund Direct Monthly Dividend Option yingxowa-mali edibanisa amatyala kunye nezabelo zezabelo.

Ingxowa-mali ijonge ukubonelela abatyali-mali ngengeniso eqhelekileyo kunye noxabiso lwemali ngokutyala imali kwiinkampani ezikumgangatho ophezulu.

Kutheni utyala imali kwi-ICICI Prudential Balanced Advantage Fund Direct Monthly Dividend Payout Option?

Le ngxowa-mali ivelise imbuyekezo eyomeleleyo kubatyali-mali bayo kwiminyaka edlulileyo kwaye inikezela ngokutyhileka kuzo zombini iimarike zamatyala kunye ne-equity.