Kya Sheyaron Mein Nivesh Se Ban Sakta Hai Ritaayarameint

Business »

Kya Sheyaron Mein Nivesh Se Ban Sakta Hai Ritaayarameint

kya sheyaron mein nivesh se ban sakta hai ritaayarameint fund? Baabar jaidi chitra gaur ko is baat ka poora bharosa tha ki unka enapeees inavestameint unke pati ke det-besd provideint fund se jyaada achha return dega. Delhi ke ek sarkaari school ki teacher chitra kehti hain, 'Enapeees ki kul rakam ka 15 feesadi stauks mein inavest hone se main 9-10 feesadi return ki ummeed kar rahi thi. ' haalaanki ikviti mein inavestameint aur 2008-09 mein poore saal market ke atraiktiv vailyooeshan par bane rahane ke baavajood chitra ko ummeed ke mutaabik return naheen mila. Pichhle paanch saalon mein chitra ke enapeees ne sirf 8.78 feesadi return diya, jabki isi avadhi mein provideint fund ne 8.62 feesadi return diya. Peinshan fund reguletari end development athauriti (peeefaaaradeee) ke Chairman yogesh Agrawal is par hairaani naheen jataate. Ve kehte hain, 'Ismein bahut jyaada fark naheen aa sakta, kyonki sarkaar enapeees kaurpas ka sirf 15 feesadi hi ikviti mein inavest karne ki ijaajat deti hai. ' peeefaaaradeee chaahata hai ki sarkaari karmachaariyon ko bhi enapeees mein usi tarah ke inavestameint elokeshan ki chhoot mile jaisa anya niveshakon ko hai. Private sector ke niveshakon ko apne enapeees fund ke elokeshan ki chhoot hai, jismein ve jama ki gayi rakam ka 50 feesadi tak ikviti mein nivesh ki rananeeti apna sakte hain. Kya aisa karne se return badhega? Saamaanya niveshakon ke maamale mein pichhle chaar saalon mein enapeees fund ke esaaaipi return ko dekhein to paate hain ki ikviti fund det fund se peechhe hain. Yah kailakuleshan June 2009 se har maheene ke pehle enaevi aankadon par aadhaarit hai. Vaise niveshak, jinhonne 50 feesadi tak ikviti mein eloket kiya, ve jyaada ghaate mein rahe. Unhein sirf 7.3 feesadi ka return mila, jabki santulit nivesh karne vaalon ko 8.3 feesadi return mila. Sabse badi hairaani yah rahi ki vaise niveshak jo behad saavdhaan the aur jinhonne stock market se doori banaae rakhi thi, unhein khoob achha return mila. Aise niveshakon ko ausatan 9.74 feesadi ka return mila. Sabse achha parafaurm karne vaale SBI peinshan fund ne double dijit mein return diya. Intarest rate kam naheen hone aur pichhle do saalon mein bond yeeld mein giraavat ki vajahon se det fund ne behtar return diya. Kya aapko ikviti mein inavest karna chaahiye? Niveshakon ke liye bada savaal hai ki kya ritaayarameint sevings ko stauks jaise asthir eset class mein lagaana chaahiye ? Kya surakshit det mein bane rahana samajhadaari naheen hogi ? Central peeef commissioner anil svaroop det mein nivesh ke hak mein hain. Ve kehte hain , ' suraksha se samjhauta kiye bagair behtar return kamaana bilkul sambhav hai. Ham det instroomeint mein nivesh kar sakte hain , jo gilt jaisa sikyor bhale hi na ho , lekin yah hamein behtar return day sakta hai. ' svaroop is baat ki taraf dhyaan dilaate hain ki ipeeefao ke central board of trasteej ( seebeeti ) ne provideint fund ke liye nivesh ke niyamon ko aur libral banaaya hai. Ab tak , eee rate ke peeesayoo bond ke maamale mein 15 saal tak ke bond mein provideint fund ke nivesh ki ijaajat thi. Lekin ab seebeeti ne 25 saal tak ki lambi avadhi vaale bond mein nivesh ki ijaajat day di hai. Provideint fund ko ab private sector ke bond mein bhi nivesh karne ki ijaajat day di gayi hai , haalaanki ismein kuchh shartein jodi gayi hain. Jaise , bond kisi listed company ka hi hona chaahiye , us company ka netavarth kam - se - kam 3,000 karod rupae ka ho , company praufit mein ho aur usane pichhle paanch saalon mein kam - se - kam 15 feesadi divideind baanta ho. Iske alaava kam - se - kam do rating agencyon ne us bond ko eee rating di ho. Svaroop ko anumaan hai ki is libral inavestameint se ipeeefao pehle ke mukaabale 50-75 basis point (0.5-0.75 feesadi ) jyaada return kama sakta hai. Ve kehte hain , ' nivesh ki suraksha se koi samjhauta naheen kiya gaya hai. Sirf bond mein nivesh ki avadhi ko badha dene aur kuchh sharton ke adheen private sector ke bond ko nivesh ke daayare mein laane se ham jyaada return paane ke kaabil honge. ' haalaanki market eksaparts ipeeefao ke behad saavadhaani bhare inavestameint eproch ko sahi naheen thaharaate. Inka maanana hai ki 100 feesadi det portfolio kabhi bhi inafleshan ko maat naheen dene mein saksham naheen hoga. Ipeeefao ko kaurpas ka 15 feesadi tak stock mein nivesh karne ki ijaajat hai. Lekin usane aisa kabhi naheen kiya. Agar ipeeefao kaurpas ka 1 feesadi bhi stauks mein lagaaya jaata to vah 4,500 karod rupaya hota. Sochiye , itni badi rakam baajaar mein alag se I hoti. Ab aap samajh sakte hain ki aakhir kyon vitt mantraalaya , SEBI aur baajaar ke anya khilaadi chaahate hain ki ipeeefao apne khajaane ka kuchh hissa market mein lagaae. Magar , yah bhi sach hai ki pichhle paanch saalon mein stock market mein bhaari uthal - puthal dekhi gayi hai. Yahaan tak ki baajaar ke anubhavi khilaadi bhi gachcha kha gaye. Saal 2008 ke market kairash ne Nifty ko kai saalon ke nichle star par laakar khada kar diya tha. Haalaanki 2009-10 mein stock market ne teji se rikvar kiya , magar fir iske baad baajaar mein lagaataar asthirta bani rahi. Doosari taraf , isi avadhi mein det inavestameint par behtar return mila , jab bond yeeld 2008 ke shuroo mein 9.5 feesadi se girkar saal ke aakhir tak 5.25 feesadi par pahunch gayi thi. Financial plaanar ritaayarameint fund ke liye nivesh ka kuchh hissa ikviti mein lagaane par jor dete hain. Edelavis financial planning mein financial planning ke head shailesh multaani kehte hain , ' niveshakon ke liye jaroori hai ki ve apne ritaayarameint kaurpas ka ek hissa ikviti mein rakhein , naheen to ve peinshan taaraget se chook sakte hain. ' multaani kehte hain , ' abhi ek karod rupae kaafi lag sakta hai , lekin 15-20 saalon ke baad yah utana naheen lagega. Ritaayarameint ke maksad se inavestameint straiteji banaane vaalon ko inafleshan - besd return ki poori tarah samajh honi chaahiye. ' kitna hissa ikviti mein kaafi hoga ? Is savaal ka javaab mushkil hai. Daraasal , ritaayarameint sevings ka ek nishchit feesadi hissa ikviti inavestameint ke liye tay karna mushkil hai. Kyonki harek niveshak ki jokhim kshamata ek jaisi naheen hoti aur alag - alag inavestameint prodakts mein ikviti ka elokeshan bhi alag hota hai. Ipeeef ka paisa to ikviti mein nivesh naheen kiya jaata , lekin sarkaari karmachaariyon ke enapeees fund ka 15 feesadi hissa aur private inavestars ke enapeees ka 50 feesadi tak stock market mein lagaaya ja sakta hai. Agar aapke paas kisi life inshyoreins company ka unit linkd peinshan plaan hai to aap ismein inavestameint ka 90 feesadi tak ikviti mein laga sakte hain. Ikviti mein inavestameint ka ek saamaanya - sa niyam niveshak ki umr se bhi juda hai. Jaise , agar aap 30 saal ke hain to aapke inavestameint portfolio mein 70 feesadi hissa ikviti ka hona chaahiye. Agar aapki umr 55 saal haito market mein aapka nivesh portfolio ka 45 feesadi se jyaada na ho. Yahaan tak ki enapeees mein bhi ek auto chvaais ofar kiya jaata hai , jismein ki ikviti mein kitna nivesh kiya jaae , yah niveshak ki umr se tay kiya jaata hai. Niveshak ki umr 35 saal se badhte hi ikviti mein usaka 50 feesadi ka elokeshan har saal 2 feesadi ki dar se ghatata jaata hai aur 10 feesadi par aakar ruk jaata hai , jo ki ritaayarameint tak rahata hai. Jokhim ko taak par rakh jyaada return ke maksad se ikviti mein paiaisa lagaane vaale niveshakon ko mukaabale auto chvaais ko apnaane vaale enapeees inavestars ko behtar return mil sakat a hai.

Kya Sheyaron Mein Nivesh Se Ban Sakta Hai Ritaayarameint https://www.angrejinews.com/pic/4166