Mutual Fund Ya Phir ETF – Kaha Invest Kare

Bohat sare investor ETF aur mutual fund me se kaha invest kare isme confuse hote hai. Hum yaha dono ke feature aapko batayenge phir aap decide kar payenge ke kaha invest karna faydemand hai.

Isse pehle ke hum apko dono ke difference bataye aapko dono ke basic concept pata hone chahiye. Mutual fund ke basics hamne pichhle article me discuss kiye hai. Ab apko ETF ke bare me batate hai.

ETF VS Mutual Fund

What is ETF?

ETF (exchange traded fund), index fund hote hai jisko share market me shares ki tarah kharida aur becha jata hai.

Aap isse broker ya fund house se kharid sakte hai. ETF, index base hota hai ex. sensex index, nifty index, industry base index (pharma index, banking index), mid cap, small cap aur commodity index (ex.gold) etc.,

ETF kharidna aur bechna bohat easy hai aur ye kum risky bhi hai, Aap real gold ya silver na kharid kar uska ETF bhi kharid sakte hai.

ETF me invest kum amount se kar sakte hai aur aap ETF me SIP bhi le sakte hai.

ETF VS Mutual Fund

Traded on stock exchange

ETF ko aap stock market se stock ke price ke according purchase aur sell kar sakte hai.

Mutual fund ka price end of business day jo price declare hota hai usse hota hai.

Performance

ETF index base hai isliye yaha jab market ke up ya down ka sidha effect hota hai. Jese agar sensex badhta hai to index ETF bhi rise hota hai aur sensex down hone par index ETF ka performance bhi down hoga.

Mutual fund me koi index nahi hai yaha parĀ  market manager ache stock me invest karta hai taki investor ko jyada benefit mile.

Professional fund manager

ETF ko koi fund manager nahi chalata kyunki yaha fund ke invesment ke liye koi choice nahi hoti.

Mutual fund ko professional chalate hai yaha option bohat hai aur kaha invest karke jyada fayda hoga wo expert hi jante hai.

Expense ratio

ETF ka expense ratio low hota hai kyunki ye passive index hai.

Mututal fund ka expense ratio higher hota hai kyunki ye actively managed hota hai.

Brokerage

ETF ke har transaction par apko brokerage charge pay karna padta hai.

Mutual fund aap direct fund house se buy karte hai isliye aapko koi brokerage charge nahi dena padta.

Fund management/exit load charges

ETF me koi entry or exit ke charge nahi hai. Fund management investment ke 0.05% se 1.6% tak hai.

Mutual fund me entry charges nahi lagte. Par exit par debt fund me 1% and equity fund me 1.5% to 2.5% charges lagte hai.

Trading Account

ETF ke purchase ke liye aapke pass demat account hona compulsory hai.

Mutual fund me demat account ki koi requirement nahi hai.

ETF aur mutual fund dono ke advantage aur disadvantages hai. Agar aap thoda risk lekar short term invest karna chahte hai to ETF me invest kar sakte hai aur agar long term investment without any risk chahte hai to mutual fund me invest karna best hai.

Iss topic se related koi aur query hai to comment box me puch sakte hai.

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