Jaise sikke ke do pehlu hai vaise koi bhi scheme ya investment me advantage aur disadvantage dono hote hai. par aap apni requirement aur situation ke hisab se plan select kare to benefit jarur hoga.
Aaj apko short term aur long term dono investment plans ke bare me tips denge.
Short term investment Plans
Short term investment ki jarurat housing loan payment, children’s education ya car kharidne jese purpose ke liye hoti hai. yaha par investment ek saal se lekar das saal tak kiya ja sakta hai.
Ab aapko batate hai ki konsi jagah short term investment karne ke liye best option hai.
Investment in Corporate fixed deposits/ NCD’s
Corporate fixed deposit/NCD’s wo companies hai jaha aap ek se panch saal tak paise invest kar sakte ho.
Bank fixed deposits
Bohat sari bank 6 month se 10 saal ke liye achhe interest rate provide karti hai
Fixed maturity plans
Ye close ended mutual fund hai, jo 2 to 5 saal me mature hote hai. Yaha dividend tax apply hota hai aur return mutual fund ke performance pe depend hota hai.
Bank recurring deposits
Agar aap monthly recurring investment ke liye soch rahe hai to aap bank recurring deposit me invest kar sakte hai.
Short term/ultra short term mutual funds
Ultra short term mutual fund fixed deposit me aapke paise short term ke liye invest karte hai. Yaha aap 6 month to 12 month tak invest kar sakte hai
Long term investment Plans
Long term investment ke bohat sare option hai jaha aap 10 se jyada saal ke liye invest kar sakte hai.
Investment in gold
Gold ki demand market me rehti hai aur gold ke price badhte rehte hai aise me gold me invest karna hamesha best option mana jata hai. Gold me investment ek evergreen option hai.
Investment in real estate
Real estate me long term ke liye invest karna ek best option hai. Agar aap 10 year se jyada invest karne ki soch rahe hai to real estate me invest kar sakte hai.
Investment in mutual fund
Kuch mutual fund short term hai to kuch long term hai. Long term mutual fund investment me aap equity diversified mutual fund, balanced mutual fund, sector based mutual fund, ETF’s etc me invest kar sakte hai.
Yaha par return mutual fund ke perfomance par depend karta hai. Agar aap ne 10 ya usse jyada saal ke liye invest kiya hai to aap 15-20% per annum return expect kar sakte hai.
Insurance plan
Insurance plan jyada long term ke liye hote hai aise me aapko future me paise ki jarurat bhi puri hoti hai aur apke paiso ka invesment bhi ho jata hai.
Investor ko apne future ke expenses aur present ki jarurat ke hisab se short ya long term me invest karna chahiye. Iss topic se related aur koi query hai to comment box me puchh sakte hai.
