SIP Investment

SIP ya Systematic Investment Plan ko google par SIP Investment karke jyada log search karte hai. Bohat se investor iske bare me information chahte hai aur kuch aise investor bhi hai jo pehle se hi SIP me invest kar rahe hai, lekin ye kaise work karta hai uske bare me clear idea nahi hai.

Yaha hum ek quick guide ke through apko batayenge ki aap kis tarah SIP Investment kar ke paise bana sakte hai.

SIP Investment

What is SIP?

SIP (Systematic Investment Plan) yani ek equal time interval me ek fix amount invest karne ki process.

Man lijiye kisi investor ke pass 1 lakh Rs. Hai, Jise wo share market me invest karna chahta hai. Usne market me pura paisa invest kar diya. Lekin next day market up jaye ga ya down iske bare me predication karna bohat tough hai.

Yahi invest agar chhote chhote time interval me divide kar ke kiya jaye to risk me kami aa jati hai. Iss process ko SIP kehte hai.

Ex. Kisi investor ke pass 1 lakh Rs. hai wo sare paise ko ek sath na invest karke SIP every month 5000 Rs, ke hisab se 20 month tak invest kar sakta hai. Koi bhi investor SIP ke through Share market, Mutual fund ya gold ETF me invest kar sakta hai.

Investment ka interval per day, per week ya per month rakha ja sakta hai. Salaried logo ke liye ek bahut simple rule hai. Har month aap apni salary me se kuch saving karke regular way me long time investment kar sakte hai.

Kisi bhi mutual fund me advance check de kar ya online advise se SIP shuru kiya ja sakta hai. Aur aap SIP minimum 500 Rs. se start kar sakte hai. Aur ye sab kaam aap ghar baithe bhi kar sakte hai.

How to start SIP?

SIP open karne ke 3 way hai. Sabse easy and common way hai agent ke through mutual fund me SIP shuru karna.

Iske alava log kisi tarah ke broker firm me online trading account kholkar invest kar sakte hai, yaha par online mutual fund me invest kiya jata hai.

Ek aur tarika hai wo hai direct investment. Isme mutual fund company ki website pe jakar mutual fund scheme me invest kar sakte hai. Yeh bohat faydemand hai kyunki investor ko koi charges nahi dena padta jis se uska return badh jata hai.

Advantages of SIP

Small amount of Investment

Middle class family me saving ke liye chhoti amount nikalna saral hota hai. SIP ka invest chhoti amount se hi start hota hai. Minimum 500 Rs. se SIP open kar sakte hai aur equal interval par invest ki gayi small amount long term tak invest karne se jyada return deti hai.

Easy way of saving

Yaha saving ke sath hi invest hota hai to iss tarah aap apni kuch kamai ko har month invest karke achhe return ka labh le sakte hai.

Rupee cost averaging

SIP Investment se aap bazar ke up down se bach sakte hai. Jab market down hota hai to aap mutual fund ki jyada unit kharidte hai jab up hota hai to kum unit kharidte hai. Iss tarah long term me mutual fund ke up down se aapke invest par asar nahi padta.

Power of compounding

Compounding ka matlab hai interest par interest. Jab SIP me invest karte hai to return bhi milta hai aur jise reinvest karne se jyada return milta hai.

Systematic investment

SIP me apki small amount ko equal interval par invest kiya jata hai. Isse apki investment systematic hoti hai aur risk bhi kum hota hai.

Ease of withdrawal

Mostly SIP me lock in period nahi hota. Investor apni requirement ke hisab se SIP me invest rakhna ya nahi rakhna decide karta hai.

Low risk

SIP invest kum amount ka hota hai. Iska main reason hai ki aap badi amount ko invest na karke small amount me equal interval par invest kare taki risk kum ho jaye.

Tax free

SIP me amount invest karne par ya invested amount ko withdraw karne par koi tax nahi lagta.

SIP ek safe way hai invest karne ke liye jis se aapko acha return low risk pe milta hai. Umeed hai apko SIP ke concept samaj aaya hoga. Apko koi query ho to aap niche comment box me puchh sakte hai.

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