Risk Liye Bina Paana Chaahate Hain Behtar Return, Ye Hain Nivesh Ke 5 Achhe Vikalp

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Risk Liye Bina Paana Chaahate Hain Behtar Return, Ye Hain Nivesh Ke 5 Achhe Vikalp

Aadil shetteepichhle kuchh maheenon se share baajaar hamaare-aapke anumaan se pare harkat kar raha hai. US-cheen trade vaur, bregjit, chunaavi uthal-puthal aur vishv arthavyavastha ke liye apekshit vikaas ki sambhaavana, in sabhi kaaranon ne poori duniya ke share baajaaron mein asthirta la di hai. Ek niveshak ke roop mein yeh asthirta aapko chinta mein daal sakta hai. Lekin pratyek paristhiti mein nivesh karne ka mauka milta hai. Yadi aap ikviti baajaaron ki asthirta se door rahana chaahate hain to aapko in paanch jokhim-mukt nivesh saadhanon par vichaar karna chaahiye. Pablik provideint fund (PPF) Aap desh bhar mein sthit bankon aur daakagharon ke maadhyam se PPF mein nivesh kar sakte hain. Is skeem mein logon ko 15 saal ki samay seema ke liye har saal jyaada se jyaada 1.5 lakh rupaye jama karne ki ijaajat milti hai. Is par milne vaale return ki dar, sarkaar ke niyam ke adheen hoti hai. Vartamaan mein ismein jama ki gayi rakam par 8% byaaj milta hai. Is dar par yadi aap har maheene 12,500 rupaye (adhiktam raashi, 1,50,000/12) jama karte hain to aapko 15 saal mein lagbhag 42.5 lakh rupaye return milega. PPF ek fleksibl nivesh saadhan hai kyonki ismein aap apni suvidha ke anusaar aur manachaahi baaranbaarata ke saath nivesh kar sakte hain. Lekin ismein aap 12 se jyaada kistein jama naheen kar sakte hain aur apne naam se ek saal mein 1,50,000 rupaye se jyaada paise jama naheen kar sakte hain. Iska maichyoriti peeriyd 15 saal hai, lekin fir bhi ismein 6 saal ke baad aanshik nikaasi ki suvidha hai. Aap 80C ke tahat tax didkshan ke liye klem kar sakte hain aur PPF par milne wala byaaj, taiksebal naheen hota hai. Isliye, ismein se paise nikaalate samay, aapko byaaj par koi tax dena naheen padega. PPF ka paisa, vyaktigat dendaari se bhi mukt hai. Iska matlab hai ki koi bhi aapki vyaktigat dendaari ke badle mein aapke PPF ke paise par daava naheen kar sakta hai. Fiksd dipaujit (FD) Fiksd dipaujit (FD) hamesha se kai niveshakon ka pasandeeda nivesh saadhan raha hai, kyonki yeh aapke paise ko surakshit rakhata hai, ismein kam jokhim hota hai, ismein likviditi ki suvidha hai, aur madhyam return deta hai. FD ki samay seema aam taur par 7 din se 10 saal ke beech hoti hai. Bankon dvaara ek aur kism ke fiksd dipaujit ki suvidha di jaati hai jise tax sevar FD ke naam se jaana jaata hai. Tax sevar FD ki samay seema 5 saal ke liye fiksd hoti hai. Tax sevar FD kisi bhi FD ki tarah surakshit hone ke saath-saath sekshan 80C ke tahat tax benifit bhi deta hai. Iski byaaj dar alag-alag bank mein alag-alag ho sakti hai. Isliye kisi bhi tax sevar FD mein nivesh karne se pehle alag-alag bankon mein iske alag-alag byaaj daron ki tulana karke dekh lena chaahiye. Aam taur par, adhikaansh bank, varishth naagrik niveshakon ko 0.5% adhik byaaj dete hain. FD ki samay seema ke dauraan, yadi aapko paise ki bahut jyaada jaroorat pad jaaya, to aap apne nivesh ke badle mein, laagoo FD byaaj dar se lagbhag 1% se 2% adhik byaaj dar par loan le sakte hain. Haai-gred kaurporet baunds Kaurporet baunds, niveshakon ko nishchit byaaj (jise koopan ke naam se bhi jaana jaata hai) dete hain. Bond ki samay seema samaapt hone par, niveshakon ko principle de diya jaata hai. Haai-gred kaurporet baunds, ikviti ki tulana mein adhik surakshit hote hain lekin ek bank dipaujit ki tulana mein adhik jokhim bhare hote hain. Isliye ye adhik byaaj dete hain. Haal hi mein baajaar mein jo susti dikhaai di hai usaki vajah se kai companiyon ko paise jutaane ke liye baunds jaari karne ke liye majaboor hona pada hai. Ek kaurporet bond mein nivesh karne se pehle, hamesha bond ki kredit rating ki jaanch karein aur haai rating (AAA, A+ ityaadi) vaale bond mein nivesh karein. Short tarm debt fands Ek debt myoochyooal fund, ROI janaret karne ke liye gavarnameint sikyauriteej, kaurporet baunds, trejari bils, ityaadi jaise fiksd income vaale nivesh saadhanon mein nivesh karta hai. Nivesh ko alag-alag baunds mein aur alag-alag maichyoriti peeriyd ke saath nivesh karke, jokhim ko kam kiya jaata hai. Iske alaava, debt fands aapko samay-samay par divideind income de sakta hai. Baajaar mein kai tarah ke debt fands maujood hain. Yadi aap ek kam jokhim aur kam return vaale fund mein nivesh karna chaahate hain to aapko likvid fands ya short tarm debt fands mein nivesh karne ke baare mein sochana chaahiye. Naishanal seving sartifikets Sarkaar, NSC ko sahaara deti hai, isliye yeh ek kam jokhim wala nivesh saadhan hai. NSC ki vartamaan byaaj dar 8% hai. Ismein 5 saal ka lauk-in peeriyd hota hai. Ismein byaaj ko har saal chakravruddhi kiya jaata hai aur niveshak ko iska return iski samay seema ke ant mein yaani 5 saal baad diya jaata hai. NSC mein, sekshan 80 (C) ke tahat tax benifit milta hai aur antim saal mein kamaaya gaya byaaj, taiksebal hota hai. Baajaar mein fiksd return dene vaale kuchh aur nivesh saadhan hain jaise varishth naagrikon ke liye SCSS, ek ladki ke maata-pita niveshakon ke liye SSY, post office FD, ityaadi. Aap apni yogyata, faainainshal lakshya, likviditi ki aavashyakta aur return ki ummeed ke aadhaar par apne liye ek behatareen nivesh saadhan ka chunaav kar sakte hain. Yahaan yeh yaad rakhana jaroori hai ki aapko ek asthir baajaar mein nivesh karna band naheen karna chaahiye. Iske lekhak, bank baazaar ke CEO hain.

Risk Liye Bina Paana Chaahate Hain Behtar Return, Ye Hain Nivesh Ke 5 Achhe Vikalp https://www.angrejinews.com/pic/254138