Types of Mutual Funds Investment

Jaise ki hum jante hai mutual fund ek investment instrument hai. Iss me bohat sare log apne paise lagate hai.

Mutual fund me invest karne se jyada return milta hai isliye baki investment ke compare me yaha log jyada paise lagate hai.

Mutual fund best option hai invest karne ke liye kyuki isme market ke up down ki effect kum hoti hai.

Isme invest karne se pehle konsi scheme me kitna risk hai aur kaha pasie lagane se jyada fayda ho sakta hai ye samajna jaruri hai.

Iss article me hum apko mutual funds investment ke kitne type hai aur kaha invest karna faydemand hai wo batayenge.

Mutual Funds Investment

There are mainly three types of Mutual Funds:

Open ended scheme

Iss mutual funds investment me saal me kisi bhi time units ko buy/sell kar sakte hai, isme paise lagane ki koi limit nahi hoti.

Jab pehli bar iska NFO (New Fund Offer) market me aata hai, Issi samay agar investor fund me invest kare to usse fund ke unit face value me allot hota hai, Agar list aane ke baad fund me invest kare to asset value par unit allot hota hai.

Ye scheme investor ko kisi bhi time apne hisab se paise jama karne ki freedom deta hai.

Close ended  scheme

Close ended scheme me investor tab hi invest karta hai jab uska NFO market me available ho jata hai.

Close ended ke units scheme shuru hone se pehle hi kharide jate hai aur units ke maturity ke baad hi usse bech sakte hai.

Iss scheme me koi bhi time par invest nahi kar sakte. Yaha liquidity lane ke liye Isse share market se connect kar dete hai.

Ye scheme long term investment ke liye bohat beneficial hai.

Interval scheme

Interval scheme me open close dono fund ke fayde milte hai.

Iss fund ko stock exchange  ke through trade kiya jata hai.

Iski selling NAV (Net Asset Value) ke base par ek fix interval par hoti hai.

Types of Mutual Funds investment scheme

Equity fund

Equity fund ko growth fund bhi kaha jata hai, yaha return dusre fund se jyada milne ki possibility hai aur sath hi sath risk bhi jyada hai.

Yaha fund share market se connected hota hai. Share market up hone par jyada fayda milta hai aur down hone par loss hota hai, Kyunki share market risky hai isliye isme bhi risk badh jata hai.

Equity fund aise investor ke liye hai jo long term ke liye paise lagakar profit kamana chahte hai.

Isme index fund, ELSS fund, Diversified fund, MID CAP, SMALL CAP etc., include hota hai.

Iss tarah ki scheme me invest karne se acha return mil sakta hai par yaha risk ki possibility ko bhi dhyan me lena hai.

Debt fund

Debt fund aise investor ke liye hai jo bina risk liye investment karke paise kamana chahte hai.

Iss scheme me invested amount ka return lagabhag guaranteed hai aur ye scheme risk free hai.

Yaha investor mostly Debentures, Government securities, Commercial paper aur Call money me invest karte hai.

Balanced fund/Hybrid fund

Balance fund, debt fund aur equity fund dono ko milakar banayi gayi scheme hai.

Isme fund ko equity or debt dono me invest kiya jata hai

Manager investment market ke up-down ko dekhkar karta hai, Jisse investor ko maximum paise kamane ka chance mile.

Money market liquid fund

Money market aise investor ke liye sabse acha hai jo kum samay me, kum risk me, invest karke paise kamana chahte hai.

Isme investment manager 91 days se kum time ke liye certificate of deposit or treasury & commercial paper scheme me invest karta hai.

Easy investment or redemption ki vajah se ye scheme investment ka achha tool hai.

Glit fund

Glit fund sabse safe mana jata hai kyuki isme government scheme me invest kiya jata hai.

Iss article ko padh ke aapko pata chala hoga konsi scheme me invest karna faydemand hai aur konsi scheme risky hai aur investment karne se pehle khud ko research karna bahot jaruri hai aur soch samajkar hi invest karna chahiye. Is topic se related koi bhi query comment box me puchh sakte hai.

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