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Mutual Funds Guide | Mutual Funds क्या है ? Mutual Funds कैसे काम करता है ?

Mutual Funds Guide

आप अपने पैसे को कहाँ कहाँ invest कर सकते हैं ?

  1. बैंक के Recurring Deposit कर सकते है, लेकिन इसमे बहुत कम ब्याज (5.00 - 5.50%) मिलता है ।
  2. बैंक में Fixed Deposit कर सकते हैं, लेकिन इसमे भी आपको सिर्फ (5.50 - 6.00%) ही ब्याज मिलता है ।
  3. Gold, Property में invest कर सकते हैं लेकिन इसके लिये आपको Lumsum पैसा चाहिए और Gold में उतार-चढ़ाव भी होते रहता है।
  4. Mutual Funds या Share Market में कर सकते हैं । इसमे time के साथ एक अच्छा returns पा सकते हैं। 

Mutual Funds 

Mutual funds पूरी तरह से market share पर depend है। Mutual funds में अलग अलग AMC (Asset Management Company) के Experts होते हैं जो आपकी पैसा को सही जगह में invest करते हैं और उसमे जितना भी returns आपको मिलता है उसमे से 1-2% charge करते हैं । 
किसी Company के shares खरीदने के लिए आपको बड़ा amount देना पड़ेगा लेकिन आगे चलकर वो company कितना बढ़ेगा या कितना घटेगा यह कोई बता नहीं सकता लेकिन mutual funds में पैसा invest करने के लिए आपको कोई बड़ा amount नहीं चाहिए आप SIP (Systematic Investment Plans) में कम से कम 100 रुपिए से monthly basis पर invest कर सकते हैं या फिर आप lumpsum amount पे भी पैसा invest कर सकते हैं। Mutual Funds में AMC के experts ऐसे ही सबसे पैसा collection करके 100 - 500 crore हो जाने पर वो अलग अलग company के shares खरिदते हैं जैसे Large Cap, Mid Cap, Small cap और Govt. Bonds में invest करते हैं ।

Mutual Funds में पैसे invest कैसे करें ?

आप अपने mobile फोन से पैसे invest कर सकते हैं । Mutual Funds का 3 सबसे अच्छा apps है: 

  1. Groww
  2. Paytm Money 
  3. Kuvera 

Mutual Funds Type 

  • Equity 
  • Debt
  • Balanced

Mutual Funds Category 

  • High Return Funds
  • Low Risk Funds
  • Tax Saving Funds
  • Better than FD
  • etc. 
High Return Funds में आपको ज्यादा returns मिलेंगे लेकिन इसमे High Risk भी रहेगा।
आपको अगर risk नहीं लेना है तो low risk funds में invest कर सकते हैं लेकिन इसमे returns भी कम मिलेगा ।
Tax saving funds उनके लिए है जिनका annual income 1.5 Lakh से ज्यादा है।
अगर आप FD से ज्यादा interest पाना चाहते और बिलकुल भी risk नहीं लेना चाहते तो Better than FD funds आपके लिए अच्छा है ।

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