“Discover the World of Mutual Funds with Dhruv Rathee (Hindi) | Your Guide to Smart Investments in 2020!”
Mutual Funds Explained by Dhruv Rathee (Hindi) | Learn everything on Investments in 2020!
Introduction
Namakaaran! Aaj hum baat karenge mutual funds ke baare mein. Dhruv Rathee ki video “Mutual Funds Explained” dekhne ke baad, aapko ye samajh aayega ki yeh investments kaise kaam karte hain, aur kya yeh aapke liye theek hain. Investments ka chakkar hamesha thoda complex hota hai, lekin hum ise asaan banayenge. Toh chaliye, shuru karte hain!
Step-by-Step Guide for Beginners
1. Mutual Fund Kya Hai?
Mutual fund ek tarah ka investment vehicle hota hai, jismein investors apne paise ko ek saath milate hain ek fund mein, jo professional fund managers ke dwara manage hota hai. Yeh funds alag-alag types ke assets mein invest karte hain, jaise equities, bonds, aur commodities.
2. Kaise Kaam Karta Hai Mutual Fund?
Mutual funds kaam karte hain investor के पैसों ko pool karke, aur ye funds stock market mein invest kiye jaate hain. Jab aap mutual fund mein invest karte hain, toh aap company ke shares nahi lete, balki units kharidte hain. Jab fund profit karta hai, toh aapko bhi uska hissa milta hai.
3. Kya Kya Types Hain Mutual Funds Ke?
- Equity Mutual Funds: Yeh funds stocks mein invest karte hain.
- Debt Mutual Funds: Yeh bonds aur fixed income securities mein invest karte hain.
- Hybrid Funds: Equity aur debt dono mein invest karte hain.
- Index Funds: Yeh kisi specific index ko follow karte hain.
SIP vs Lump Sum
Aayiye ab hum SIP (Systematic Investment Plan) aur Lump Sum investment ke beech ka comparison dekhein.
| Feature | SIP | Lump Sum |
|---|---|---|
| Investment Frequency | Regular intervals (monthly) | Ek baar ka investment |
| Affordability | Kam paise se shuru kar sakte hain | Zyada paise ki zaroorat hai |
| Risk | Risk ko samay ke sath spread karte hain | High risk ho sakta hai |
| Flexibility | Flexible, growth ke liye time de sakte hain | Fixed amount, fixed time |
Kya hai Zyada Safe: SIP ya Lump Sum?
Agar aap naya hai investment mein, to SIP safer option hoga kyunki isse aap risk ko time ke sath spread kar sakte hain. Isse aap market ki fluctuations se bach sakte hain aur regular discipline maintain kar sakte hain.
Latest & Best Options in Mutual Funds
Agar aap 2023 ke liye mutual funds ke options dekh rahe hain, to yeh kuch best funds hain:
- Axis Bluechip Fund
- HDFC Top 100 Fund
- Nippon India Small Cap Fund
- Franklin India Prima Fund
Best Apps for Investment
- Groww: Is app se aap mutual funds easily invest kar sakte hain.
- ET Money: Yeh app investment aur budgeting ke liye best hai.
- Zerodha: Stocks aur mutual funds dono ke liye excellent platform.
FAQs
1. Kya Mutual Funds mein invest karna safe hai?
Haan, lekin ye risk bhi involve karte hain. Aapko apne financial goals aur risk tolerance ko samajhna hoga.
2. Mutual Funds ka return kab milta hai?
Yeh depends karta hai aapke chosen fund par. Equity funds typically long-term return dete hain.
3. Kya mujhe financial advisor ki zaroorat hai?
Agar aap naya hai, to financial advisor kaam aa sakta hai. Lekin aap khud bhi research kar sakte hain.
4. Kahan se shuru karun investments?
Aap pehle SIP mein invest karne ka soch sakte hain, kyunki yeh safe aur manageable hai.
5. Mutual Funds ka tax treatment kya hai?
Mutual funds par tax rules aapke investment type par depend karte hain. Long-term capital gains par 10% tax lagta hai, jab aapke returns ₹1 lakh se zyada hain.
Conclusion
Toh dosto, mutual funds samajhna itna difficult nahi hai. Dhruv Rathee ki video se aapne seekha ki kaise ye aapke financial future ko secure karne mein help kar sakte hain. Ab jab aap jaante hain ki “is it safe to invest in mutual funds”, toh aap comfortably start kar sakte hain. Agar aapko koi aur confusion hai, toh comment section mein zaroor puchhein!
External Links for Further Reading
Invest patiently, aur aage badhein!
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