Mutual funds kya hai isse paise kaise kamaye ?
Hello dosto mera naam hai rohit sharma swagat hai aap sabhi ka hamare iss blog ke article me.
Aaj hum aap sabhi ko Mutual funds ke baare me batane wale hai.
▶Mutual funds kya hai?
▶Mutual funds kaise kaam karta hai?
▶Mutual funds me invest kar ke paisa kaise kamaye?
 |
Mutual funds kya hai? |
⚫ Mutual funds kya hai isse paise kaise kamaye ?
Dosto har koi chahta hai ki uski extra income ho. Ya phir uski jo savings hai use kisi acche gajah pe invest kar ke acche returns paa sake. To isiliye kuch log apne paise ko bank me rakhte hai waha se unko intrest aata hai. Kuch log apne paise ko fix deposit karwa dete hai. Ya put kuch log gold me invest karte hai ya phir share market me.
Dosto kuch log hote hai jo confused rahte hai ki apne paise ko kaha pe invest kiya jaye. To dosto unlogo ke liye hair ye kaaphi accha option Mutual funds. Mutual funds me invest karne ke liye koi demet account ki jarurat nahi hoti hai. Dosto Mutual funds me thoda sa risk to rahta hai. Lekin aap Mutual funds me HIP ke throu 1000 monthly se bhi invest kar sakte hai. Aur usme koi jyada risk bhi nahi hai. Aur aap samajhdaari se mutual funds ke invest ko aage bhi le ja sakte hai. Aur aapko salana 10 se 20% tak ki growth dekhne ko mil sakti hai Mutual funds me.
Dosto ab hum samajh lete hai ki Mutual funds kya hai aur ye kaise kaam karte hai. Aur aap bhi kis tarah se SIP yani (systematic investment plan) ke saath mutual funds me 1000 rupya mahine ki investment kar sakte hai. Mutual funds me investment ke liye sirf
aapko kisi bank ya phir kisi Asher megement ki website par e-KYC ko pura karna hota hair aur aap e-KYC ko pura karne ke baad Mutual funds me investment kar sakte hai. Dosto share market meme knowledge nahi hai uske liye muskil hota hai ki share market me invest kare aur acche returns paaye.
To isiliye aap mutual funds me invest kar ke share market me invest karte hi hai. Kyon ki aapka jo paisa hai wo highly profesnal fund manager share market me invest karte hai. Aap ko bas acche mutual funds me investment karni hoti hai. To sabse pahle mai aapko bata doo jaise ki naam se hi clear hai mutual yaani ki aapsi. To mutual funds ka matlab hai ki kuch log mutually ek fund house me mil ke paisa de dete hai. Yaani ki kuch log pool kar dete hai apni money ko ek mutual house me. Wo fund house ek highly qualify ek fund manager ko appoint kar deta aap logo ke fund ko manage karne ke liye. Yaani ki uss fund ko market me invest karne ke liye. Jab wo fund nanager market me aapke paise ko invest kar dete hai aur time ke saath-saath returns aate hai. Yani ki jab profit hota hai to usme se apni fees 2 ya 2\5 % per manager rakh leta hai. Aur aapke paas pura ka pura profit jo hai transfer kar diya jata hai. Aur wo profit sabhi investers me barabar baat diya jata hai. apni apni investment ke hisaab se to aap samajh yaye honge ki iss tarah se mutual funds kaam karte hai.
Ab mai aapko bata doo mutual funds 3 ya 4 tarah ke hote hai. Kuch hote hai equity funds aur kuch hote hai debt funds air kuch hote hai balanced funds.
 |
Mutual funds kya hai? |
Lekin aap debt funds me invest karte hai. To usme Jo hai risk factor kam hota hai. To usi ke hisaab se aapko profit kam milta hai.
Aur teesre tarah ke Jo funds hote hai wo hote hai Balanced funds. Inme kya hota hai ki aapki jo money hai inka kuch hissa equity funds me lagaya jata hai. Aur kuch hissa debt funds me lagaya jata hai. Jisse ki jo risk hota hai use balanced kar diya jata hai. Taki risk bhi kam rahe air profit jo hair thik-thak mil jaye. Too aapke paas kaphi options hote hai. ki aap equity funds me ya phir debt funds me laga sakte hai.
Aur agar aap medium risk ko choose karte hai to aap balanced funds ko chun sakte hai. Aur isme bhi do prakar ke funds hote hai.
Ek hote hai open and funds.
Ek hote hai closed and funds.
Open and funds ka phayda ye hai ki aap ise kisi bhi samay kharid ya bech sakte hai. aur close and funds hote to use maturity tak rakhne hi hote hai. Usko aap beech me bech nahi sakte yani ki aap use beech me chod nahi sakte. Open and funds me invest karne ka phayda apna hi hai ki aapko beech me paise ki jarurat pare to aap bech bhi sakte hai. Aur aapko lag raha hai ki aapo isme money ki profit nahi ho raha hai to isme aap le bhi sakte hai waha se.
To open and funds me ye flexibility mil jati hai aapko. Dosto mai aapko bata doo ki agar aap chahe to ekkatha lamsham amount bhi invest kar sakte hai. Agar aapke paas 2 lakh rupya hai ya phir 5 lakh rupya hai to aap mutual funds kharid sakte hai. Aur yaha par aap kaphi time ke liye bhi invest kar sakte hai yani ki 5 saal, 10 saal, 20 saal.
Lekin dosto ab baat aati hai ki aap naye hai to start kaha se kiya jaye. To aap yaha pe SIP yani ( systematic investment plan) jiske baare me mai aapko bata raha tha usko bhi choose kar sakte hai aur 1000 rupya mahine se bhi start kar sakte hai. Aur dosto jinko jyada knowledge nahi hai unko mai bata doo investment karne se pahle company ka prospectes acche se read kar lijiye. Aur aap apni compony se pooch sakte hai ki jis bhi fund me aap investment kar rahe hai us fund ka goel kya hai. Yani ki uss fund me long term investment karna accha rahega ga phir wo short term investment ke liye bana hai.
To aap ye sab jankari apni investment karne se pahle le sakte hai. Aur jo aapko jankari leni wo ye leni hai ki aap iss fund me jisme aap invest karne wale hai ki usme risk factor kitna hai. Aur aap kisi bhi fund ki history bhi check kar sakte hai. Yani ki pichla track record aap check kar sakte hai ki past me iss fund me kitni growth hui hai. Aur jinhone investment kar rakhi thi unhe kitne percent take return mile hai. Aur aapke iss fund ko koun manage kar raha hai. Yani ki aap jis fund me invest kar rahe hai uska fund manager koun hai. Kya qualifications hai kitna experience hai wo sab chije bhi aapki dekhni hogi. Iske hisaab se aap risk le sakte hai. Aapko isse aapko pata hoga ki aapka Jo manager hai wo kitna qualified hai aur usko kaphi experience hai. Kaphi aur sare mutual funds chalay hai usme success mili hai. To uss tarah se aapko pata chal sakta hai ki aapka jo fund manager mai wo kaphi qualified aur experience hai to aap usme invest kar sakte hai.
Aur investment karne se pahle aapko ye pata karna hai ki aapki investment karne se pahle aapse koi fee ya expensive liye jayenge. Jo ki kharidne ya bechne pe lagte hai wo kitne lagte hai. Uske kitne fees ya expensies hai. Aur aapke jo investment pe returns honge uspar aapke jo tax hai wo kitna lagega air kaise lagega.
To ye sab chiz hai jo aap invest karne se pahle jankari le sakte hai conpony se. Aur thodi savdhani se inveatment kar sakte hai.
To dosto umeed karta hoi ki aapko ye samajh me aa gaya hoga ki Mutula funds kya hote hai aur kaise kaam karte hai.
0Comments