Investment ke time ye 10 Mistakes Na Kare

Aap agar investment karna chahte hai ya saving karne ki soch rahe hai to aap ye article jarur padhe kyunki yaha hum investment ya saving karte time investor se honi vali mistakes apko batayenge taki aap wo mistakes na kare.

Hamare life ke goals situation ke hisab se change hote rehte hai. Jab school jate hai to achhe marks hi lane hote hai, college me aate hai to achhe marks ke sath hume campus interview me select hona padta hai aur phir achhi salary milti hai par uske sath hame future ke plan karne padte hai.

Future ke plan karne ke liye apko financial planning karni padti hai ye aap khud kar sakte hai ya phir iske liye  aap financial advisor ko consult kar sakte hai.

Agar ye financial planning thodi si galti ho jaye to aapko invested amount se bhi hath dhone pad sakte hai.

To aap in common mistake ko avoid kare taki aap apne financial goal ko achieve kar sake.

Investment Mistakes

Common Investment Mistakes

Jyada time tak sochte rehna

Bohat sare log yahi confusion me rehte hai ki investment kaha kare, kitne amount me kare, konsi scheme me kare. Itne sare confusion hone ki vajah se wo kabhi invest nahi kar pate.

Har kisi ke dimag me ghar banane ka aur car kharidne ka plan hote hai par ye tab hi possible hai jab aap proper financial planning karte hai.

Aap saving aur investment ke sath retirement k plan ko dhyan me rakh kar investment kare.

Aap jyada time sochne me waste na kare, market ko study karke apni salary aur future plan ke hisab se financial goal jarur achieve kar sakte hai.

Sahi Samay Ke liye Wait Karna

Aise log hote hai jo hamesha sochte ki sahi time aayega tab invest karenge. Investment karne ka sahi waqt tab hota hai jab aap earn karna start karte hai, aap jitna late invest karte hai utna hi kum return aur power of compounding ka nuksan bhi hoga.

Ex., Do vyakti hai jo retirement plan me invest karna chahte hai.

Pehle vyakti ne 30 year ki age me invest karna shuru karta ha jisko monthly 5000 pay karna padta hai.

Dusra vyakti 45 year ki age me ussi scheme me invest karta hai jisko monthly 9000 pay karna padta hai.

Dono ne same amount different age me invest kiye phir bhi pehle vyakti ko mil raha return dusre vyakti se jyada hai kyunki pehle vyakti ne jyada time ke liye invest kiya isliye uska power of compounding jyada hai aur usse return pe bhi return milna shuru ho jata hai.

Agar aapne abhi tak investment shuru nahi kiya hai to aap abhi bhi risk free ya risk involve ho aise factor ko balance karke invest kar skate hai jaise ki fixed deposit, recurring deposit ya mutual fund.

Risk Factor Ka Darr

Log invest karne se darte hai, agar paise dub gaye to ! achha return nahi mila to !

Life ke har factor ki tarah financial world me bhi har step me risk involve hoti hai, agar apko lagta hai ki aap share market ya mutual fund me invest nahi kar sakte to aap bank account me invest kar sakte hai jaha par apko 3.5% return milega aur aap FD ya recurring me invest karke 6 to 7% return gain kar sakte hai. Yani aap risk free hokar return gain kar skate hai.

Agar thoda risk lena chahe to aap mutual fund ke SIP me invest kar sakte hai jaha kum risk pe aapko ache return bhi milte hai.

Bahot sari government scheme hai jaha aapko 15 saal ke liye 8% return milta hai aur mutual fund ke long terms plan me Aapko 15 to 20% return mil sakta hai.

Imbalance portfolio

Ye apko ek example ke sath samjate hai. Agar ek vyakti ne apne paise equity fund me invest kiye jaha par usse profit hua isliye uske ek friend ne bhi issi scheme invest kiya, pehle vyakti ne jyada time ke liye invest kiya tha isliye acha profit mila par dusre vyakti ne ek saal me protfolio ko review karna shuru kiya jisse usse pata chala ki usse jyada profit nahi mil raha.

Apne financial portfolio ko ek saal me review na kre. Agar mutual fund me invest karte hai to kum se kum 4 se 5 saal ke return ka wait kre. Agar aap young age me invest karte hai to equity jese fund me invest kare aur senior citizen hai to debt fund me invest kare.

Apne investment ko diversify jarur kare. Thoda paisa equity me, Thoda debt aur thoda liquid fund me invest kare isse apka risk factor divide ho jayega aur ache return ke sath apka portfolio bhi balance ho jayega.

Market Down hai Tabhi Invest Na Karna

Market down ke time pe bohat se log investment stop karte hai ya apna paise market se withdraw kar lete hai, lekin yahi sahi time hota hai investment ke liye aur share purchase karne ke liye

Agar SIP ki baat kare to market up ho ya down aapka paisa market me lagta rehta hai aur average balance method ki vajah se aapko har up aur down ke return proper milte rehta hai jese market down hone par jyada units milte hai aur up hone par jyada return.

Insurance investment nahi hai

Insurance risk cover karne ke liye hota hai invest karne ke liye nahi par ye bhi sach hai ki aap jab insured rahoge tab hi invest kar payange .

Market me aise bohat si policies hai jaha aapko dual benefil milta hai yani life insurance cover bhi milta hai aur tax benefit bhi diya jata hai. Koi bhi policy purchase karne se pehle uske terms and conditions jarur padhe.

Insurance policy ko 3 saal ke baad paid up plan me convert kar sakte hai jisse aapka premium kum ho jayega aur financial portfolio aur storng ho jayega.

Insurance se katrana

Aise log bhi hote hai jo insurance se dur bhagte hai unhe lagta hai ki insurance nikalna yani waste of money. Lekin ye samaj na jaruri hai ki aap insured hai tabhi aap invest kar pate hai. Agar aap ko kuch ho jaye to family ki financial support insurance ke through mil sakta hai.

Log to aisa bhi sochte hai ki aaj hum invest karte hai to kal se return aana shuru ho jaye magar insurance ek aisa factor hai jisee aap jitne kum age me shuru karte ho utne kum premuim ke sath jyada assured amount milti hai.

Kum Investment Aur Kharche Jyada

Salary aate hi log usme se expenses alag nikalte hai aur jo amount bachti hai usse invest karte hai par apko pehle recurring ya SIP ka EMI bhar ne ke baad thode paise saving me jama karke baki jo amount bachta hai usme se expenses manage karne chahiye.

EPF Money Nikal Lena

Apki salary me se PF ke liye amount deduct hoti hai jise EPF kehte hai jise retirement ke time use karna hota hai magar log job change karte time EPF withdraw kar lete hai.

EPF money aapke future ke liye hai. Ye chhoti amount apki retirement ke time itni badi ho jati hai ki apko kisi pe depend nahi rehna padta.

Emergency Fund Ke Bare Me Na Sochna

Saving aur investment ke sath aur ek fund ke liye paise jodne hote hai jo hai emergency fund, jise jab chahe withdraw karke emergency fund me use kar sakte hai.

Sabhi ke mind me ye question hota hai ki kitne paise iss fund ke liye rakhne chahiye ? Aapki salary ki 10 to 15% amount iss fund ke liye rakhni chahiye.

Aap iss paise ko mutual fund ke liquid fund me rakh sakte hai ya phir bank me saving account me bhi rakh sakte hai. Ye fund me jama paise ko emergency me apke investment ko bina break kiye use kar sakte hai.

Ye sabhi bato ka dhyan rakhe aur ye sari common mistake ko avoid karke aap future ko secure karke acha return gain kar sakte hai. Iss article se related aur koi question hai to aap comment box me puch sakte hai.

Bookmark the permalink.

Leave a Reply

Your email address will not be published. Required fields are marked *

CommentLuv badge