Kya Enapeees Aapko Ritaayarameint Tak Ameer Bana Sakta Hai

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Kya Enapeees Aapko Ritaayarameint Tak Ameer Bana Sakta Hai

[ baabar jaidi | nai Delhi ] aisi skeem ke baare mein aapki kya rai hogi, jismein 50 lakh inavestars hain aur vah 42,205 karod rupaye ki eset mainej karti hai ? Yahi naheen, skeem mein har maheene achhi-khaasi rakam judti jaati hai. Enapeees ko 10 saal pehle sarkaari enplauyeej ke liye launch kiya gaya tha. Uske 5 saal baad ise aam logon ke liye khola gaya. Is tarah se dekha jaae to yeh hit skeem hai. Haalaanki kareeb se dekhne par pata chalta hai ki kis vajah se yeh kauman inavestar ke beech paupular naheen ho pai hai. Enapeees se kendra aur raajya sarkaar ke 28 lakh se jyaada enplauyeej jude hain. 1 January 2004 aur iske baad service mein aane vaale log isse jude hain. Unke liye enapeees kanpalasari hai. Unki ritaayarameint sevings ka enapeees ki eset mein 93 parseint kantreebyooshan hai. Sarkaar ki or se har saal 1,000 rupaye ke inseintiv ki vajah se 19 lakh enapeees laait inavestars isse jude hain. Sirf 2.3 lakh log hain, jo ritaayarameint skeem mein khud shaamil hue hain. 1 May 2009 ko skeem ko aam logon ke liye khola gaya tha. Launch ke vakt sarkaar ne private sector se kareeb 20 karod logon ke enapeees se judne ka lakshya rakha tha. Inavest India micro peinshan services ke ko-faaundar aur mainejing director Gautam Bhardwaj ne kaha, 'Enapeees is lakshya se meelon door hai. ' yeh hairaan karne waali baat hai kyonki enapeees achha praudakt hai. Iska enual fund management chaarj 0.25 parseint (jo ab ghatkar 0.1 parseint ho jaaega) hai. Is vajah se yeh duniya ke sabse saste financial inavestameint opshans mein se ek hai. Is special story mein ham pata laga rahe hain ki kis vajah se enapeees aam logon ke beech ritaayarameint fund ke taur par paupular naheen ho pai hai. 8 alag-alag maanakon par iske performance ki padtaal bhi ham kar rahe hain. Return gilt fund se return kam hone ki keemat kai fands ko chukaani padi hai saal bhar pehle enapeees ne 10 parseint se jyaada return diya tha, uske baad 2013-14 mein usane inavestars ko maayoos kiya hai. Kendra sarkaar ke enplauyeej ko 2013-14 mein isse 4.66 parseint return mila hai, jabki raajya sarkaar ke enplauyeej ko 4.29 parseint ka. April 2013 se March 2014 ke beech manthali kantreebyooshan ke aadhaar par yeh kailakuleshan kiya gaya hai. 2013-14 mein kharaab performance ke chalte enapeees ka laung tarm esaaaipi return prauvideint fund se kam ho gaya hai. Enapeees ke samarthak kai baar kah chuke hain ki share baajaar mein inavestameint ke chalte yeh ipeees se bahut behtar hai. Ipeees mein meinbar ka poora paisa det praudakts mein lagta hai. Sarkaari enplauyeej ke enapeees fund se 15 parseint tak rakam sheyaron mein lagaai ja sakti hai , lekin peinshan fands ko isse alag rakha gaya hai. 30 November 2013 tak kendra sarkaar ki skeem SBI peinshan fund ne sirf 7.15 parseint rakam sheyaron mein lagaai thi , jabki yooteeaai ritaayarameint saulyooshans jo fund mainej kar rahi thi , usase 7.72 parseint rakam share baajaar mein lagi thi. Share baajaar mein jyaada paisa lagaane se return badhna chaahiye tha , kyonki 2013-14 mein Nifty 18.4 parseint chadha. Enapeees mein paisa lagaane vaale egresiv inavestars ( aam pablik ) ko pichhle ek saal mein kaafi faayda hua hai. Enapeees se 50 parseint se jyaada paisa share baajaar mein naheen lagaaya ja sakta , lekin stock market mein teji ke chalte unka return badha hai. Iske baavajood iska laung tarm evarej atraiktiv naheen hai. Sefti agar bond chunane mein samajhadaari naheen dikhaai gayi , to ikviti se jyaada nuksaan usamein ho sakta hai share baajaar ko riski maana jaata raha hai , lekin fiksd income inavestameint bhi poori tarah sef naheen hain. Aapko gilt fund mein bhi nuksaan ho sakta hai. 2013-14 mein kai enapeees fands ne kam return stauks ki vajah se naheen balki gilt aur corporate bond mein mark - tu - market loss ke chalte diya hai. July 2013 mein bond yeeld mein tej badhotri hui thi. Isse enapeees ke portfolio mein shaamil laung tarm baunds ki vailyoo mein giraavat I. Intarest rate risk ke alaava bond mein difault ka bhi jokhim hota hai. Enapeees naurms peinshan fund mainejars ko BBB ki minimm rating vaale bond khareedne ki bhi ijaajat dete hain. Rating jitni kam hogi , utana hi jyaada intarest ofar kiya jaaega. Haalaanki samajhdaar fund mainejars jyaada return ki sambhaavana ke baavajood BBB rating vaale baunds se door rahate hain. Aayaris mein financial trenar pi vi subramanyam ne kaha , ' enapeees mein ikviti investments det fands se jyaada sef hote hain. ' jahaan benchmark index mein 20-25 parseint giraavat ka risk hota hai , vaheen bond mein company ke difault karne par poora paisa doob sakta hai. Kya enapeees mein inavestameint aasaan hai ? Daava kiya jaata hai ki skeem ko poore desh mein kaheen se sabsakraaib kiya ja sakta hai , lekin yeh sirf thyori ki baat hai agar aap kisi bank mein enapeees account khulavaane jaate hain , to ho sakta hai ki aap iske bajaay inshyoreins paulisi ya peinshan plaan khareedkar baahar aaen. Postaofis mein to aapko poore staaf ko enapeees ke kaunasept ke baare mein samajhaana padega. Bhaarat mein sabse inavestar freindali skeem enapeees hai , lekin uske saath yahi traasadi hai. Thyori mein to bataaya jaata hai ki enapeees hajaaron jagahon par upalabdh hai , lekin skeem ko na hi bechne ki koshish ki gayi hai aur na hi iski ektiv maarketing hui hai. Koi bhi enapeees ko bechne naheen chaahata kyonki ismein bahut kam commission milta hai. Enapeees bechne vaale bank ko transaction se sirf 100 rupaye milte hain. Iske baad kisi transaction par 20 rupaye ya 0.25 parseint commission milta hai. Agar vah inavestar ko tredishnal inshyoreins plaan bechata hai to sirf pehle saal mein 30-35 parseint commission bana sakta hai. Peinshan fund mainejars is savaal se joojh rahe hain ki pehle murgi I ya anda ? Ve tak tak enapeees ke distribyooshan ya uske baare mein jaagrukta badhaane ke liye jyaada paisa kharch naheen kar sakte , jab tak ki unhein inavestars se adhik commission milne ki ijaajat naheen milti. Pichhle saal peinshan fund reguletari end divelapameint athauriti ( peeefaaaradeee ) ne enual fund management chaarj ko 0.0009 parseint se badhaakar 0.25 parseint kar diya tha. Do nae peinshan fund mainejars is ummeed mein enapeees se jude ki commission badhne se yeh business faayademand ho jaaega. Haalaanki is saal peeefaaaradeee ne fir se peinshan fund mainejars se nai boli mangaai hai. Ismein Reliance peinshan fund ne 0.01 parseint commission ke saath sabse kam boli lagaai hai. Doosari companiyon ko ise match karna hoga. Kam chaarj ka matlab yeh hai ki skeem ko aage bhi promote naheen kiya jaaega. Tax ka engal ekamusht aur peinshan ki rakam nikaalne par tax dena padega maichyoriti par enapeees se 60 parseint rakam ek baar mein nikaali ja sakti hai. Saamaanya peinshan plaan mein aapko 33 parseint paisa maichyoriti ke vakt nikaalne ki ijaajat hoti hai. Enapeees se jyaada nikaasi ki ijaajat achhi baat hai , lekin is par tax lagana skeem ke khilaaf jaata hai. Haalaanki Taxspanner. Com ke ko - faaundar aur seeefao sudheer kaushik kehte hain , ' enapeees se ekamusht nikaasi aur peinshan ko tax free karne se skeem ki paupulairiti naheen badhegi. ' doosari baat yeh hai ki maichyoriti ke vakt baaki ki rakam enyuti fund mein daali jaaegi. Peinshan income ke liye aisa kiya jaata hai. Enapeees ke sambhaavit inavestars ke liye ek aur buri baat hai. Khaastaur par ve log jo sabse jyaada tax braiket mein aate hain. Daraasal ismein peinshan ki rakam par poora tax lagta hai. Agar ve yahi paisa det fund mein daalte hain aur manthali income ke liye har maheene tay rakam nikaalate hain to unhein enapeees enyuti ki tulana mein doosare saal ke baad kaafi kam tax dena padta hai. Tab kaipitl geins ko laung tarm maana jaata hai. Mahangaai ke is jamaane mein det fands par jahaan unhein 2-3 parseint tax dena padega , vaheen enapeees peinshan waali rakam par 30.9 parseint. Financial planning company velthabeeing edavaaijars ke faaundar amit kukareja ne bataaya , ' main apne klaaints ko enapeees mein paisa lagaane ki salaah naheen doonga kyonki peepeeef , ielaesaes ya ikviti fands jaise kai tax - free opshans hain. ' inavestameint ki aajaadi inavestameint ki koi limit naheen hai aur inavestars saal mein ek baar svich kar sakte hain tax aur return ke maamale mein jo bhi kamiyaan hon , enapeees mein aajaadi bahut hai. Pehli baat yeh hai ki peepeeef ki tarah ismein inavestameint ki upper limit tay naheen hai. Agar aap peinshan fund manager se khush naheen hain to enapeees mein doosare fund manager ko chun sakte hain. Unit linkd plaan mein inavestars ko ikviti se det ya det se ikviti opshan chunane ki aajaadi milti hai , lekin vahaan bhi fund manager badalne ki freedom naheen hai. Agar inavestar ne kisi inshyoreins company ya myoochual fund ke peinshan plaan mein paisa lagaaya hai , tab bhi use yeh aajaadi naheen milti hai. Aap ek myoochual fund se doosare fund mein shift kar sakte hain , lekin ise ridempashan ke baad naya inavestameint maana jaaega. Enapeees mein paisa ek peinshan fund se doosare fund mein badi aasaani se chala jaaega. Nuksaan yeh hai ki yeh aajaadi saal mein ek baar hi milegi. Yoolip ya myoochual fund mein is maamale mein kaafi aajaadi hai. Financial plaanar kukareja ka kehna hai ki saal mein ek baar svich ki suvidha bhi kaafi hai. Unhonne kaha , ' saal mein ek svich bhi kamaal kar sakti hai. ' haalaanki enapeees fund se umr 60 saal hone se pehle paisa naheen nikaala ja sakta , lekin jin logon ko fijoolakharchi ka marj hai , unke liye yeh achhi baat hai. Kaust enapeees ki fees kam hai , agar index fund ki kaust shaamil na karein enapeees ko duniya ka sabse sasta financial praudakt bataaya ja raha hai. Haalaanki peinshan fund par kam fund management chaarj ki baat karte vakt index fund ke eksapeins reshiyo ka jikr naheen hota. E class ikviti fands se paisa Nifty stauks mein usi anupaat mein lagaaya jaata hai , jitna unka veted usamein hai. Peinshan fund mainejars iske liye un index fund mein inavestameint karte hain , jo Nifty ko track karte hain. Haalaanki in fands ke eksapeins reshiyo ki apni suvidha ke hisaab se anadekhi ki jaati hai. Vailyoo research ke CEO dheereindr Kumar ne kaha , ' yeh inavestars ke saath dhokhaadhadi hai. Index fands ki kaust bhi portfolio mein dikhaai jaani chaahiye. ' doosari praublam yeh hai ki enapeees account mein har transaction ki fiksd kaust hoti hai. Yeh inavestameint ka 0.25 parseint ya 20 rupaye mein se adhik hai. Iski adhiktam seema 2,500 rupaye hai. Is vajah se log esaaaipi root se enapeees mein inavestameint naheen karte. Agar koi shakhs ismein har maheene 1,000-2,000 rupaye laga raha hai to vah har instaulameint par 1-2 parseint ka entry lod dega. Paaradarshita enapeees ke paaradarshi naheen hone ke chalte inavestars ismein kam dilchaspi dikhaate hain pichhle saal May mein peeefaaaradeee ne press release jaari karke 2012-13 mein enapeees fands ke shaanadaar return ka bakhaan kiya tha. Is saal aisi ummeed mat kariye , kyonki return bahut kharaab rahe hain. 2013-14 mein ikviti skeems ne beshak 20-22 parseint ka return diya hai , lekin gilt fands se sirf 2-3 parseint ka hi return mila hai. Agar koi inavestar enapeees mein paisa lagaana bhi chaahata hai , use yeh naheen pata hota ki kis fund ko chunana hai. Iski vajah enapeees return ko lekar paaradarshita ki kami hai. Iske liye media bhi jimmedaar hai. Enapeees ki coverage mein focus uske feechars aur nae niyamon par rahata hai. Performance ko shaayad hi track kiya jaata hai. Haalaanki kuchh peinshan fund mainejars ne inavestars ko ejuket karne aur unhein iski jaankaari dene ka beeda uthaaya hai. Khaastaur par ICICI proodeinshiyl peinshan fund enapeees ke performance ke baare mein pata lagaane ke liye aham tool provaaid karaata hai. Sanyog ki baat yeh hai ki ICICI proodeinshiyl peinshan fands enapeees ke jin fands ko mainej kar raha hai , ve sabhi 1, 3 aur 5 saal mein apni kaitegari mein top parafaurmars rahe hain. Doosari or , elaaaisi fund ka portfolio disklojar pej saal bhar se ban hi raha hai. Kaun si ulajhanein hain ? Enapeees ka strakchar pecheeda hai , jisse inavestars isse door rahate hain ek aam inavestar ke liye enapeees account kholana mushkil hai to use mainej karne mein kaheen jyaada dikkat aati hai. Inavestars ke saamane kai chauis hoti hai. Bhaarat ke logon mein financial litresi bahut kam hai. Isliye enapeees jaise pecheeda praudakt jyaadaatar logon ko samajh mein naheen aate. Achhi baat yeh hai ki skeem mein difault ke taur par auto chauis bhi di jaati hai. Agar aapne eset elokeshan ka jikr naheen kiya ya yeh naheen jaante ki paisa kahaan lagaana chaahiye , to rakam life saaikal fund mein jaaegi. Ismein inavestar ki umr ke hisaab se eset elokeshan tay ki jaati hai. Inavestars ke 35 saal ka hone ke baad har saal 50 parseint ikviti elokeshan 2 parseint kam hota jaaega , jab tak yeh 10 parseint naheen rah jaata. Nae inavestar ke liye ek tarah se life saaikal fund varadaan ki tarah hai. Is tarah ka doosra praudakt desh mein naheen hai. Eset elokeshan mein badlaav saal mein inavestar ke janm din par hota hai. Iske baavajood enapeees kaumpleks hai , jiske baare mein bahut kam logon ko samajh hai. SEBI ne prastaav rakha hai ki myoochual fund haauson ko peinshan plaan launch karne chaahiye. Abhi enapeees jaisa praudakt hai , usaki tulana mein aisi skeem ko samajhna aasaan hoga. Peepeeefaees myoochual fund mein maarketing head jayant pai ne bataaya , ' enapeees ke kaumpleks strakchar ke chalte inavestars ismein paisa lagaane se kataraate hain. ' shaayad yahi vajah hai ki 5 saal pehle skeem ke liye jitne inavestars haasil karne ka lakshya rakha gaya tha , ab tak usaka 1 parseint bhi naheen mila hai.

Kya Enapeees Aapko Ritaayarameint Tak Ameer Bana Sakta Hai http://www.angrejinews.com/pic/49580