Index Aadhaarit Nivesh Ko Banaaen Apne Kor Portfolio Ki Dhuri

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Index Aadhaarit Nivesh Ko Banaaen Apne Kor Portfolio Ki Dhuri

Uma shashikaantaikviti mein nivesh karte samay teen vikalp saamane hote hain. Sheyaron mein seedhe nivesh kiya jaae, portfolio banaane ke liye kisi manager yaani myoochual fund ya peeemaes ko chuna jaae ya index ke gathan ke mutaabik khareedaari ki jaae. Daraasal, niveshak ko in teenon ki jaroorat hoti hai. Pehle do vikalpon ke saath itna glaimar juda hai ki index ke mutaabik nivesh karne ke faayadon ke baavajood ise jyaada tavajjo naheen di jaati. Kai log daleel dete hain ki saavadhaani se share chunakar portfolio banaaya jaae to index investing ke mukaabale behtar nateeja milega. Is bayaan ko vyaavahaarikta ke dharaatal par test karna hoga. Research ke nateejon ke aadhaar par kiye jaane vaale aiktiv fund management ko khaarij karne vaale is hakeekat par dhyaan naheen dete ki kai ikviti fands aur peeemaes ka return index ke mukaabale jyaada hota hai. Vaheen jo yeh daava karte hain ki kuchh khaas fands ya peeemaes hamesha hi index se behtar pradarshan karte hain, ve jhooth bol rahe hote hain. Har saal kuchh aautaparafaurmar aur kuchh andaraparafaurmar hote hi hain. Ikviti mein nivesh se milne vaale return mein do kanponeints hote hain. Pehla to besik market return hota hai, jismein index ki jhalak dikhti hai. Yeh beeta return yaani ikviti mein nivesh karne se milne wala return hota hai. Share chunane ya vibhinn sheyaron mein nivesh ki seema tay karne mein koi pasand-naapasand naheen hoti hai aur niveshak index hi khareedata hai, jo pehle se tay anupaat mein kai sheyaron ka ek portfolio hota hai. Doosra hai inkreemeintal return. Ise ham alfa kehte hain. Is return ka shreya fund ya investameint manager ko jaata hai, jo share chunata hai ya us adavaaijar ko jaata hai jo fund chunane ki salaah deta hai. Ab savaal yeh hai ki kya fands ne alfa jenaret kiya hai? Haan. Kya adavaaijars ne alfa dileevar kiya hai? Haan. Kya adhiktar niveshakon ne aise fund aur adavaaijar chune hain? Naheen. Niveshak bhi khud se share chun hi sakte hain, lekin ismein chook hone ka chaans rahata hai. Niveshak kuchh share aur fund chunakar behatareen pradarshan ki ummeed karte hain. Praaya: Unhein aivarej return milta hai, jo index jaisa hota hai. Agar baat aisi hai to fir aiktiv fund management, aiktiv stock silekshan aur aiktiv adavaaijari ki poochh kyon hai? John bogal jahaan index ke aadhaar par nivesh ke faayde ginaate the, vaheen hamaare saamane vauran bafet bhi hain jinke aiktiv return ki charcha duniyaabhar mein hai. To kaun sa raasta chunein? Thaharakar un khelon ke baare mein sochein, jinhein aap khelte hain. Koi khel aisa ho sakta hai, jismein aap aasaani se jeet sakte honge, vaheen koi itna mushkil hoga ki aap chaahe jitni koshish kar lein, hataasha hi haath lagti hai. Ek teesare tarah ka khel bhi hota hai, jismein aapke jeetne ya haarne ki sambhaavana bani rahati hai. Kabhi aapki jeet hoti hai, kabhi haar. Ikviti mein nivesh is teesare khel ki tarah hai. Yahi vajah hai ki niveshak, manager aur adavaaijar kuchh maukon par mil sakane waali jeet ke liye apne portfolio ko badalate rahate hain. Is beech mil sakane waali haar ka asar bhi aisi jeet kam kar sakti hai. Kai ainaalist aur adavaaijar bhi fund silekshan karte hain. Jeetne ka aanand paane ke liye ve badlaav karte rahate hain, lekin lambi avadhi mein maamala ausat ke aaspaas hota hai. To ham kya karein? Ek laung tarm portfolio banaane ke liye ek kor aur saitalaait portfolio se madad milti hai. Kor ikviti portfolio kam laagat wala aur paisiv index fands ka hona chaahiye. Market ki chaal ke saath yeh bhi chalta rahata hai. ETF khareedkar aisa kiya ja sakta hai. Bank mein jab bhi atirikt rakam ho, aap yeh kaam kar sakte hain. Aiktivli mainejd fands, peeemaes aur doosare praudakts aapke portfolio mein saitalaait wala hissa hote hain. Inse aapko alfa ki ummeed hoti hai, aap in par najar rakhate hain, aap dekhte hain ki kya alfa se kaust kavar ho rahi hai, kya aapka fund aautaparafaurm kar raha hai. Stauks, sector fands, speshaliti praudakts ye sabhi taiktikl nirnaya se jude hain. Ye kor aur saitalaait portfolio se baahar hote hain. Achaanak bada return paane ki aapki ummeed inse judi hoti hai. Yeh daraasal maja lene wala hissa hota hai, jis par aap badi rakam ka daanv naheen lagaate. Aapke nivesh ki dhuri paisiv index fund par tiki hoti hai. Ab savaal yeh hai ki inhein jorashor se kyon naheen becha jaata? Daraasal laagat itni kam hai ki commission dene ke liye paisa bachata hi naheen.

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