Amathuba Okutshala Kakhulu Okutshala Imali Yakho eNdiya.

Kuyinhloso yawo wonke umuntu empilweni ukufaka imali yakhe kuhlelo oluthile lokutshala imali.

Njengoba utshala imali oyisebenzele kanzima kunoma yiluphi uhlobo lwepulani noma iphrojekthi, ulindela ukubuyiselwa okufanelekile okulungele ubungozi nokulinda.

Nawa Amathuba ama-15 Okukhulu Wotshalomali Wokutshala Imali Yakho eNdiya kalula.

1. Izibopho.

Ama-bond yimalimboleko ethathwe yizinkampani kubatshali zimali ngabanye.

Inkampani, esikhundleni sokuthi iye ebhange iyothola imalimboleko, imema abatshalizimali ukuthi bathenge amabhondi ayo ngenhloso yokuthola imali.

Inkampani ibese inikela ngenani lenzalo lonyaka noma laminyaka yonke ngohlobo lwamaphesenti wevelu ebusweni futhi ekupheleni kwesikhathi esivunyelwene ngaso noma ekuvuthweni, uthishanhloko ubuyiselwa kumtshali-zimali ngaleyo ndlela aqede isibopho.

Ungathola phakathi kuka-7% no-10% wenani lobuso minyaka yonke kusuka kutshalo-mali lwebhondi kanti isikhathi esilinganisiwe sokuphinda kabili utshalomali lwakho cishe siyiminyaka engu-7 kuye kwengu-8.

2. Isitifiketi Sikazwelonke Sokonga (NSC).

Lokhu kukuvumela ukuthi utshale noma yiliphi inani futhi kunezikhathi ezimbili zokuvuthwa ezinqunyelwe zeminyaka emi-5 nengu-10.

Ngenkathi noma yiliphi inani lingatshalwa imali, qaphela ukuthi izimali ezifika kumaRs. Ama-1.5 Lakhs ancishiswe intela ephansi.

Lindela ukubuya okungaba ngu-7.6% ngonyaka kanti ubude obulindele ukuthi uzophinda kabili utshalomali lwakho kuyinto ephakathi kweminyaka eyi-9 nengu-10.

3. Isikimu Senyanga Senzuzo sePosi.

Ingabe ufuna imali engenayo yenyanga?

Lapho-ke kukhona okuhle kakhulu ngalokho, okukuvumela ukuthi utshale imali futhi uthole imali engenayo nyangazonke ngokususelwa kunani lenzalo yonyaka.

Ukutshalwa kwezimali okuphezulu ngakunye kungu-Rs. 4.5 Lakh ngenkathi kungu-Rs. 9 Lakh ngokuhlanganyela.

Kungathatha cishe iminyaka eyi-9 kuye kwayi-10 ukuphinda kabili imali oyitshalile, uma kubhekwa ukuthi isilinganiso senzalo yonyaka ye-MIS imvamisa iba ngu-7.7%.

4. Idiphozithi Engaguquki.

Ubeka imali yakho kwi-akhawunti yasebhange yediphozi engaguquki isikhathi esivunyelwene ngaso ngemuva kwalokho uzobuyisa kokubili uthishanhloko bese ubuyisa ngamanani okuvunyelwene ngawo.

Ibuyisa ububanzi kusuka ku-7% kuye ku-10% ngonyaka futhi kungathatha iminyaka efika kwengu-10 noma engu-11 ukuphinda kabili utshalomali lwakho.

5. Izimali Ezihlangene.

Isikhwama sokubambisana siyichibi elihlanganayo lemali elivela kubatshalizimali elihanjisiwe noma elitshalwe kumgomo ofanayo njengamasheya, amabhondi nezimpahla zemakethe yemali.

Awudingi noma yibuphi ubuchwepheshe ngoba imali yakho iphethwe ngokomsebenzi futhi ibuyisa ububanzi obuphakathi kuka-14% no-16% ngonyaka.

Lokho kusho ukuthi, udinga kuphela iminyaka engama-4 kuye kwengu-5 ukuphinda kabili utshalomali lwakho.

6. Isikimu Sokulondolozwa Kwe-Equity Linked (ELSS).

Ngama-Rs.500 aphansi, ungatshala imali kalula ku-ELSS enenzuzo yokonga intela nembuyiselo ephezulu.

Kulolu hlobo lotshalo-mali, lindela izimbuyiselo ezingaba ngu-16% kuya ku-18% ngonyaka. Lokhu kusho ukuthi kuzothatha iminyaka emi-5 ukuphinda kabili imali oyitshalile.

7. Isikhwama Sesikhwama Somphakathi (PPF).

Isikhwama se-Indian Public Provident Fund luhlobo lotshalo mali olukuvumela ukuthi utshale imali futhi ukhiye imali okungenani iminyaka eyi-15.

Ukuhoxa okuncane kungenzeka kuphela ngemuva kweminyaka engu-6 utshalomali futhi isikhwama singavuthwa kuphela ngemuva kweminyaka okungenani eyi-15.

Ukunikezwa kwe-PPF ngamanani enzalo angcono kunamadiphozi ahleliwe ngamabhange futhi lokho kungaba yinoma yini engengaphansi kwe-12% ngonyaka okusho ukuthi udinga iminyaka eyi-9 ukuphinda kabili utshalomali lwakho.

8. Uhlelo Lukazwelonke Lempesheni (NPS).

Uhlelo lwe-Indian National Pension System lukwenza ukwazi ukongela umhlalaphansi wakho ngaphansi kwezimo zentela eziphansi.

Lokhu kungenxa yokuthi kufinyelela kuma-Rs. I-1.5 Lakh ayakhululwa enteleni ngaphansi kwesigaba 80C ngenkathi ukonga okuphezulu kuheha izinzuzo ezingcono zentela.

Izinga lezimbuyiselo ezilinganiselwayo ngonyaka lisuka ku-8% liye ku-10% ngeminyaka engu-7 kuya kwengu-9 kuphela edingekayo ukuphinda imali oyitshalile.

9. Izikhwama ezihlanganyelwe ze-Direct Equity kanye ne-Equity.

Lezi yizinhlobo zezikhwama ezihlanganyelwe ezikuvumela ukuthi uzuze ngamanani enzalo aphakeme kakhulu kunokujwayelekile.

Ungathola imali engaphezulu kwama-20% kusuka kumasheya ngamanye ngalezi zinhlobo zezimali ezihlangene ngokuya ngokusebenza kwenkampani.

Lokhu, nokho, kungenzeka kungabi ngemva konyaka owodwa kodwa iminyaka eminingana njengeminyaka emi-5.

Funda futhi: - Ungayenza Kanjani Imali online | 11 Umsebenzi omuhle kakhulu we-Captcha waseNdiya.

Qaphela - ukutshalwa kwemali ngokunganaki kulokhu kungabeka imali yakho engcupheni yokulahleka.

Ngokuvamile, lindela cishe amaphesenti ayi-16 kuye kwangama-18% minyaka yonke, futhi isikhathi esiyiminyaka emi-4 kuye kwemihlanu siyokwanela ukuphinda imali oyitshalile. 

10. I-Liquid Mutual Fund.

Lokhu ukutshalwa kwezimali kwesikhashana ezimpahleni ezifana nezikweletu zikaMgcinimafa, amaphepha okuhweba, noma ama-CD asebhange.

Lezi zimpahla zesikhathi esifushane zinesikhathi sokuvuthwa esingaphansi kwezinsuku ezingama-91 futhi zibuya phakathi kuka-5% no-7% ngonyaka.

Lokhu kusho ukuthi kungathatha okungenani iminyaka eyi-11 ukuphinda kabili inani lakho olitshalile.

11. Ukunikezwa Kokuqala Komphakathi (i-IPO).

I-IPO iwuhlobo lokutshalwa kwezimali olunembuyiselo ephezulu lapho imali yakho ilungiswa izinsuku eziyisi-7 kuya kweziyi-15 esitokweni sezinkampani ozinikeziwe.

Ukutshalwa kwezimali ezinkampanini ezisebenza kahle kungakutholela inzuzo engaphansi kuka-20% kuya ku-25%.

Kusho ukuthini lokho, ukuthi eminyakeni emi-3 kuye kweyi-4, uzobe usuphinde kabili utshalomali lwakho.

12. Idiphozithi Ephindayo (RD).

Amadiphozithi avelayo yizinhlobo zotshalo-mali lapho izinzuzo zibalwa ngokufanayo nasemadiphozithi angaguquki asebhange.

Kodwa-ke, lezi zinhlobo zediphozithi ezingashintshi ziyavuthwa ngemuva kweminyaka emi-3.

Lokhu kusho ukuthi, uma ufuna ukutshalwa kwezimali isikhathi eside, uzoqhubeka nokufaka imali ngemva kweminyaka emi-3, yingakho kuthiwa Idiphozithi Eqhubekayo.

Ukuthola imbuyiselo yaminyaka yonke ngesilinganiso esingu-7% kusho ukuthi cishe eminyakeni eyishumi kuya kwengu-10, uzobe usuyiphindaphinde kabili imali oyitshalile.

13. Izakhiwo Zokuhweba.

Isidingo sendawo yamahhovisi eNdiya yisibonakaliso esicacile sokuthi i-Commercial Real Estate iyindlela yokutshala imali enenzuzo.

Ukutshala imali ngendlela lapho abatshalizimali abaningana behlanganisa izimali zabo ndawonye ukuze batshale izimali ezithengiswayo kungukuthengiswa kwangempela.

Lolu hlobo lokutshalwa kwemali luqinisekisa ukubuya okungaba ngu-12% kuya ku-15% ngonyaka okusho ukuthi eminyakeni engaba yisithupha, utshalomali lwakho luyobe seluphindeke kabili.

14. I-Akhawunti Yokonga eneSweep in Facility.

I-Savings Account ene-Sweep Facility iwuhlobo lokutshala imali olufana ne-fixed deposit investment.

Lapha, uyavumelana nebhange lakho ukuthi noma yiliphi inani lemali elingaphezu komkhawulo othile lizoguqulwa ngokuzenzekelayo libe idiphozi engaguquki futhi noma yiliphi inani lemali elingaphansi kwalelo zinga lizoguqulwa libe ukonga okuvamile.

Ngalolu hlobo lokutshalwa kwezimali, imbuyiselo isukela phakathi kuka-6% no-7% ngonyaka. Lokho kusho ukuthi iminyaka eyi-10 yanele ukuphinda kabili utshalomali lwakho.

15. Ukutshalwa Kwezimali Okuqondile.

Lokhu kwenzelwa abantu abanesifiso esikhulu sengozi.

Ukutshalwa kwemali kweDirect Equity kunengozi enkulu futhi ngokulinganayo, kungenzeka ukubuya okuphezulu.

Ubeka imali ngokuhlakanipha kumasheya ezinkampani ezikhethiwe ezinamathuba okwenza kahle ukunciphisa izingcuphe nokwandisa inzuzo.

Imbuyiselo efinyelela ku-18% ngonyaka kungenzeka nge-Direct Equity Investment futhi lokhu kuguqulela eminyakeni emi-4 kuphela yokuphindaphinda imali oyitshalile. Qaphela ukuthi udinga i-akhawunti yeDemat ukuze utshale imali kwi-Direct Equity.

Isiphetho.

Ubukade uzibuza ukuthi uzotshala kuphi imali yakho eNdiya?

Ngemuva kwalokho ngibheja ukuthi ngeke usakhathazeka ngoba manje usuyazi ukuthi ungayithathaphi imali yakho ukukhiqiza imali engenayo njengoba wenza ibhizinisi lakho elijwayelekile.