5 Tarah Ke Det Fands Mein Aap Inavest Kar Sakte Hain

Business » Wednesday, June 25, 2014

[ sanket dhaanorakar | Mumbai ] 1. Gilt fands ye fands sabhi tarah ki sarkaari securities mein paisa lagaate hain. Inmein sarkaar ki or se RBI dvaara jaari kiye gaye bond aur raajya sarkaaron ke bond bhi shaamil hote hain. Gilt fands sarkaari securities mein paisa lagaate hain, isliye inmein difault ka risk naheen hota. Haalaanki iska matlab yeh naheen hai ki ye har tarah se surakshit hain. Inse intarest rate risk juda hota hai. Det fands mein laung tarm gilt fund sabse riski hote hain kyonki un par byaaj daron mein badlaav ka asar hota hai. Kinhein paisa lagaana chaahiye sirf vahi log jo jyaada risk utha sakte hain aur kaipitl eprisiyeshan chaahate hain. Gilt fund jin bond mein paisa lagaate hain, unki keemat mein kaafi utaar-chadhaav hota hai aur iska asar fund ki net eset vailyoo par dikh sakta hai kitne samay ke liye nivesh intarest rate mein kami vaale daur mein gilt fund mein paisa lagaana chaahiye aur inavestameint dedh se do saal ke liye kiya jaana chaahiye. 2. Short tarm fands ye kamarshiyl pepars (CP), certificate of dipaujits (seedi) aur 3-6 maheene mein maichyor hone vaale baunds mein inavest karte hain. In par intarest rate mein badlaav ka asar naheen hota, isliye return ko lekar risk naheen hota. Kinhein paisa lagaana chaahiye jo saraplas paisa inavest karna chaahate hain, lekin unhein likvid fands se jyaada return ki talaash hai. Kitne samay ke liye nivesh 6-12 maheene ke liye short tarm fands mein paisa lagaaya ja sakta hai 3. Income fands ye bond, corporate dibeinchar aur sarkaari securities mein paisa lagaate hain. Ye 1-2 saal se lekar 15-20 saal ke bond mein paisa laga sakte hain. Kinhein paisa lagaana chaahiye yeh laung tarm inavestar ke liye achha rahata hai , jo jyaada risk le sakte hain. Kitne samay ke liye nivesh intarest rate mein kami vaale daur mein income fands best return dete hain. Inse jyaada return haasil karne ke liye poore rate saaikal ke dauraan bane rahana chaahiye. 4. Fiksd maichyoriti plaan ( efaemapi ) fund ki avadhi ke hisaab se ye inavestameint ke liye securities chunate hain. Inmein intarest rate risk naheen hota , isliye enaevi par asar naheen hota. Efaemapi ke return ka pehle se andaaja lagaaya ja sakta hai , lekin yeh gaaranteed naheen hota. Kinhein paisa lagaana chaahiye intarest rate ke baare mein jab andaaja lagaana mushkil ho , tab inmein paisa lagaana chaahiye. Kitne samay ke liye nivesh 3-5 saal ke efaemapi mein paisa lagaana achha rahata hai. Isse jyaada return milta hai. Aap 3-6 maheene ke efaemapi mein bhi inavest kar sakte hain. Haalaanki yeh short tarm rets mein utaar - chadhaav ka faayda uthaane ke liye kiya jaata hai. 5. Likvid fands ye fund haayali likvid mani market praudakts mein paisa lagaate hain. Inmein sarkaari bond , intar - bank call mani market , kamarshiyl pepars aur certificate of dipaujits shaamil hain. Det fands mein sabse stebal return likvid fands ka hi hota hai. Kinhein paisa lagaana chaahiye jin logon ke paas kaafi paisa pada ho , unhein ismein inavest karna chaahiye. Likvid fands se bank efadi ki tulana mein jyaada return milta hai. Kitne samay ke liye nivesh likvid fund ka istemaal short tarm ke liye karna chaahiye. Yeh kuchh dinon se kuchh maheene tak ho sakta hai.