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  • Netflix's The Queen's Gambit may have  popularized chess for modern audiences,  

    網友 "女王的賭博 "可能為現代觀眾普及了國際象棋。

  • but Nikhil Kamath liked it way before it was cool.

    但Nikhil Kamath喜歡它的方式之前,它是很酷。

  • Chess teaches you how to work  under a structure, in a system,  

    國際象棋教你如何在一個結構下,在一個系統中工作。

  • but yet try and be creative within that system.

    但卻要在這個體系內嘗試創新。

  • So much so, that he dropped out of high  school at 14 to play chess full-time

    以至於他14歲就從高中輟學,專職下棋。

  • I don't think I was the best student.

    我不認為我是最好的學生。

  • That was the starting move that eventually led  to his trading start-up for retail investors,  

    這就是他的起步之舉,最終促成了他對散戶的交易創業。

  • which has been dubbed India's answer  to trading platform Robinhood

    該公司被稱為印度交易平臺Robinhood的答案。

  • We started, actually, maybe  five years before they did.

    實際上,我們比他們早五年開始。

  • 34-year-old Nikhil is the billionaire  co-founder and chief investment officer  

    34歲的Nikhil是億萬富翁的聯合創始人兼首席投資官。

  • of Zerodha, India's largest trading brokerage.

    印度最大的交易經紀公司Zerodha的。

  • Today, more than 15% of India's retail  trades are done through its platform  

    如今,印度超過15%的零售交易是通過其平臺完成的。

  • as ordinary investors flocked  to stocks during the pandemic.

    由於普通投資者在疫情期間蜂擁入股。

  • But the school dropout only discovered  his passion for investing after playing  

    但這位輟學的學生是在玩過之後才發現自己對投資的熱情。

  • competitive chess at national and  international levels for two years.

    在國家和國際層面的國際象棋比賽中,兩年。

  • No one was going to hire me  without a college degree,  

    沒有大學文憑的人是不會僱用我的。

  • so I mean I had to do something  which didn't require one.

    所以我的意思是我必須做一些不需要的事情。

  • Inspired by his elder brother, Nithinhe took to trading when he was 17,  

    受兄長Nithin的啟發,他在17歲時就開始做買賣。

  • teaching himself on the go.

    自己邊走邊教。

  • It went well and soon, the pair was  investing for family and friends.

    很順利,很快,兩人就為親朋好友投資了。

  • Along the way, they felt that the  investment process was too complex.

    一路走來,他們覺得投資過程太複雜。

  • The problem back in the day, I'm talking about  

    當年的問題,我說的是。

  • 11 or 12 years ago, is cost was very highBrokerage fees were incredibly high in India.

    11或12年前,成本非常高。 印度的經紀費高得驚人。

  • And for a full-time trader there  were many barricades or barriers  

    而對於一個全職商人來說,有很多障礙或壁壘。

  • one had to cross before he could actually be  profitable in any consistent kind of manner.

    在他真正能夠以任何一種穩定的方式獲利之前,他必須穿越。

  • So the Bangalore-born brothers set to  work, using their savings to build a  

    於是,出生在班加羅爾的兄弟倆開始工作,用他們的積蓄建造了一個名為 "Burberry "的品牌。

  • simple and affordable brokerage  platform for everyday investors.

    簡單實惠的經紀平臺,適合日常投資者。

  • In 2010, Zerodha, a combination of zero and  rodha, the Sanskrit word for barriers, was born.  

    2010年,由梵語 "零 "和 "羅陀 "組合而成的 "零"(Zerodha)誕生了。"零 "是梵語 "障礙 "的意思。

  • Unlike most startups, the company  hasn't taken on any external investment.

    與大多數創業公司不同,公司沒有接受任何外部投資。

  • We've been different in a way from other  companies as in we've never taken on  

    我們在某種程度上與其他公司不同,因為我們從來沒有承擔過。

  • investors or debt or never  really raised any capital.

    投資人或債務或從未真正籌集過任何資金。

  • Our ethos from the very beginning  was build a better product,  

    我們從一開始的理念就是打造更好的產品。

  • and word of mouth will bring clientele to you.

    和口碑會給你帶來客源。

  • In the decade since, Zerodha has grown through  word of mouth as appetite for investments beyond  

    在此後的十年間,Zerodha通過口碑相傳的方式發展壯大,因為人們對投資的胃口超越了。

  • gold and property grew in India. But in  2020, all that changed under the pandemic.

    黃金和財產在印度增長。但到了2020年,這一切都在流行病下發生了改變。

  • At the height of lockdowns, the company  doubled its registered users to over 4 million.

    在封鎖的高峰期,該公司的註冊用戶翻了一番,達到400多萬。

  • The pandemic has been good to uswhich is a strange thing to say.

    疫情對我們來說是好事,這是一件很奇怪的事情。

  • People had a lot more time, people  were at home and, unfortunately,  

    人的時間多了,人在家裡,可惜。

  • in many cases, they were in a position where an  alternate income could have been very useful.

    在許多情況下,他們處於另一種收入可能非常有用的境地。

  • Shailesh Lakhani, managing director at venture  capital firm Sequoia India, told me more.

    風險投資公司紅杉印度的董事總經理Shailesh Lakhani告訴我更多。

  • In India in the last year what we saw was that  brokerage account openings doubled over 2019. I  

    在印度去年我們看到的是,券商開戶數比2019年翻了一番。I

  • think we had 10 million brokerage accounts opened  in 2020 versus just under 5 million in 2019.

    認為我們在2020年有1000萬個券商開戶,而2019年只有不到500萬個。

  • And I think It's driven by a few different  factors. One, that it's just become  

    我認為這是由幾個不同的因素驅動的。一,它只是成為

  • a lot easier with the financial services  infrastructure to open a brokerage account

    有了金融服務的基礎設施,開個券商賬戶就容易多了。

  • Second, mutual funds in the past several  years have tended to underperform  

    其次,過去幾年,共同基金的表現往往不盡如人意。

  • the equity indices or their benchmarks.

    股票指數或其基準。

  • And as we've had rising markets aside from the  coronavirus, that fear in March, April, May,  

    而我們除了冠狀病毒外,市場的上漲,在3、4、5月份,這種恐懼。

  • the markets have been pretty easy  to make money in for a lot of folks.

    市場已經相當容易賺錢 在很多人。

  • In 2020, the average age of a Zerodha investor  fell from 32 to 30. That has drawn parallels  

    2020年,澤羅達投資者的平均年齡從32歲降至30歲。這引起了人們的反思

  • with U.S. trading platform Robinhood, which sawsimilar surge in millennials during the pandemic.

    與美國交易平臺Robinhood,在流行期間,千禧一代的人數也同樣激增。

  • Nikhil says that could pave the way  for a future expansion into the U.S. 

    Nikhil表示,這可能為未來向美國擴張鋪平道路。

  • Regulation in India around broking is  a lot higher than it is in America.

    印度圍繞經紀業務的監管要比美國高很多。

  • But that being said, the end-user  experience, the technology of it all,  

    但說到這裡,終端用戶的體驗,技術的。

  • is something that we could both compete on.

    是我們都可以競爭的東西。

  • So we would look at approaching  their market at some point and seeing  

    是以,我們會考慮在某個時間點接近他們的市場,並看到

  • if there are ways in which our products can  integrate with what is available in America.

    如果我們的產品能與美國現有的產品相結合,有什麼辦法。

  • Even as the financial technology  space gets increasingly competitive,  

    即使金融科技領域的競爭越來越激烈。

  • Zerodha has no plans to raise more  capital, unlike its competitor Robinhood.

    與競爭對手Robinhood不同,Zerodha沒有計劃籌集更多資金。

  • That hasn't prevented talk of the  entrepreneur's growing fortune, however.

    不過,這並不妨礙人們對這位企業家財富增長的談論。

  • In October 2020, the Kamath brothers joined  Forbes India Rich List with a combined  

    2020年10月,卡馬思兄弟加入福布斯印度富豪榜,以合計。

  • wealth of around $1.6 billion, as 34-year-old  Nikhil was named India's youngest billionaire.

    財富約16億美元,34歲的Nikhil被評為印度最年輕的億萬富翁。

  • For a while now, I don't think  financial motives have been the  

    有一陣子,我不認為經濟動機一直是

  • focus. I don't think it has been the most  important thing and that's set to continue.

    焦點。我認為這還不是最重要的事情,而且還將繼續下去。

  • But I think more access to capital gives you  

    但我認為,更多的資金管道給你

  • the room and the courage to go  out there and try new stuff.

    房間和勇氣去那裡嘗試新的東西。

  • And that's exactly what he did. After struggling  to find a cost-effective way to manage their  

    而這正是他所做的。在努力尋找一種具有成本效益的方式來管理他們的公司之後

  • growing wealth, Nikhil and Nithin once again  set out to disrupt the investment industry,  

    日益增長的財富,Nikhil和Nithin再次開始顛覆投資行業。

  • this time for high-net-worth individuals, or  people with around $1 million in financial assets.

    這次是針對高淨值人士,或者金融資產在100萬美元左右的人。

  • In 2019, the brothers launched True Beacon as  an asset management firm for wealthy clients.

    2019年,兄弟倆推出了真烽火,作為一家面向財富客戶的資產管理公司。

  • What I realized are there are  many inefficiencies in the model.  

    我意識到的是,這個模式有很多低效率的地方。

  • The fund manager or the fund house and  the client are never aligned in a way.

    基金管理人或基金公司和客戶從來沒有一致的方式。

  • Unlike traditional funds, which charge  clients a fee for managing assets,  

    不同於傳統基金向客戶收取資產管理費。

  • set up costs and annual fees, True Beacon only  charges clients a performance fee on gains made.

    設置成本和年費,True Beacon只對客戶的收益收取表現費。

  • Nikhil says that 10% cut drives  the firm to achieve better returns

    Nikhil表示,10%的降幅促使公司取得更好的回報。

  • If the client doesn't do well for  any reason over a five-year period,  

    如果客戶在五年內因為任何原因沒有做好。

  • we have no revenue as a company.

    我們作為一個公司沒有收入。

  • So we're really putting our necks  out there and saying we will create  

    所以,我們真的把我們的脖子在那裡,並說我們將創建

  • something which is different, which  is totally client-aligned and very,  

    的東西,這是不同的,這是完全的客戶端調整和非常。

  • very transparent. I guess time  will tell as to how that goes.

    很透明。我想時間會證明這一點。

  • True Beacon's India-focused flagship  fund aims to outperform the Nifty 50,  

    True Beacon專注於印度的旗艦基金旨在超越Nifty 50指數。

  • the country's benchmark stock index, by 6-8%.

    的國家基準股指,漲幅為6-8%。

  • In its first year, True Beacon claimed that  its fund beat the Nifty benchmark by over 26%.

    在第一年,真烽火宣稱其基金跑贏奈飛基準超過26%。

  • Meanwhile, client volumes grew as much as  20% month-on-month as wealthy international  

    同時,客戶量按月增長高達20%,富貴國際。

  • investors sought refuge in Indian  stocks amid rising US-China tensions.

    在中美緊張局勢加劇的情況下,投資者尋求印度股市的庇護。

  • Nikhil is now hoping the company could hitbillion-dollar valuation within the coming years.

    Nikhil現在希望公司能在未來幾年內達到10億美元的估值。

  • It will probably be a few years before word gets  around and people actually compare like to like.  

    可能要過幾年才能傳開,人們才會真正比較喜歡。

  • But when it does and it scales, I  think it will be a company that will  

    但是,當它做到了,並且規模化了,我認為它將是一個公司,將

  • definitely bring in some revenue. We hope it will.

    肯定會帶來一些收入。我們希望它能。

  • Like Zerodha, that could position  True Beacon as one of the many  

    和澤羅達一樣,這可以將真烽火定位為眾多的

  • billion-dollar unicorns in India's  rapidly growing start-up ecosystem.

    在印度快速發展的創業生態系統中,價值十億美元的獨角獸。

  • India is currently home to 21 unicorns  with a combined valuation of $73.2 billion.  

    印度目前有21家獨角獸企業,總估值達732億美元。

  • By 2025, that number is estimated to hit 100.

    到2025年,這個數字估計會達到100。

  • We see a start-up ecosystem really fundamentally  underpinned by a couple of aspects.  

    我們認為,一個創業生態圈真正的根本是由幾個方面來支撐的。

  • One being the number of engineersthe amount of people writing software.

    一個是工程師的數量,寫軟件的人數。

  • In India, depends on how you count, but it's among  

    在印度,取決於你如何計算,但它是其中的一個

  • the highest number of engineers that are  writing software anywhere in the world.

    編寫軟件的工程師數量是世界上最多的。

  • Second being an interesting consumer  market. India's probably the largest market  

    其次是一個有趣的消費市場。印度可能是最大的市場

  • that will grow the fastest over the  course of the rest of our lifetimes.

    在我們有生之年將增長最快。

  • Even though his days asfull-time chess player are over,  

    儘管他作為全職棋手的日子已經結束了。

  • Nikhil has applied the lessons he learned  from the game to grow his companies.

    Nikhil將他從遊戲中學到的經驗應用於公司的發展。

  • I think right now I'm kind of  like totally occupied. I don't see  

    我想現在我有點像完全佔據。我沒有看到

  • myself having the bandwidth to do  something new in the very near future.

    我自己有帶寬在不久的將來做一些新的事情。

  • So over the next six months or 12 months, I think  Zerodha and True Beacon are going to be the focus.

    所以在未來的半年或者12個月,我覺得澤羅達和真標會是重點。

Netflix's The Queen's Gambit may have  popularized chess for modern audiences,  

網友 "女王的賭博 "可能為現代觀眾普及了國際象棋。

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B1 中級 中文 印度 公司 投資 客戶 增長 財富

這位34歲的國際象棋冠軍如何成為印度最年輕的億萬富翁之一? (How this 34-year-old chess champion became one of India’s youngest billionaires | CNBC Make It)

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    Summer 發佈於 2021 年 01 月 12 日
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