Aap chahe bade ghar ke sapne dekhte ho, ya bahut saare Instagram-perfect holidays… bade gadi, sona and diamonds, business class travel… ya celebrity wale clothes and accessories...sab afford karne ki possibility hai. All it takes is some smart and diligent investing.
Retirement bhi is a real thing - ek na ek din jama salary khatam ho jayegi. Us samay you will need to depend on money you have saved carefully through your career. Abhi kiye hue investments aapke retirement ke baad aane wale zindagi ke liye finance karege. Boss budhape mein comfortable aur khush rehna bahut important hain, aur mehengi bhi pad sakti hain… moreover it is best not to depend on anyone else for this.
Market mein toh investment ke der saare options hai. Saari investment options ko apni apni target audience hoti hain. Young Indians are big on saving - Standard Chartered Bank ne ek research publish kiya hai called Standard Charteres Emerging Affluent Study. Iss study me malum pada ki over 75% of "emerging affluent indians" yaani ke people who are on the road to getting rich investment kar ke apne financial goals achieve kar rahe hain.
Mujhe lagta hai ki mene jo jankari di hai usse aap hopefully convinced ho ki savings aur investment karma, choice hai ya compulsory hai. Yes, your parents were right when they said beta thoda savings bhi kar lo. But what they missed saying was ki beta, thoda investment bhi kar lo.
Toh chalo ab dekhte hain, market mein kya kya investment options hain.
Ye hota hai investments jo shares lene se ban jate hain. Shares toh stock market pe trade hote hain toh ye investment ke liye aapko stock market ka baare mein thoda bahut research karna padega. Earnings toh kaafi jaldi aur kafi badi ho sakti hain lekin risks bhi rehte hain.
Stock market me trading karne ki kai options hai. Aap stock khareedne ke long term gains ke liye invest kar sakte ho - isse kahte hai position trading. Aap har din stock khareedhne ke bad bhech sakte ho. Isse kehte hai intraday trading.
Mutual funds are actually bohot saare logon ka paisa managed by a professional who uses the money to invest in stocks and bonds. Yaha pe bhi stock market risks rehte hai. Aapne suna hoga yeh famous dialogue, "mutual finds are subject to market risks. Please read the offer document carefully before investing." However equity investments aur mutual funds mein ek bada tarak hai - mutual funds are managed by koi stock market boss waale bandha who really knows his game… like Virat Kohli knows his game. Unka strategy pe vishvaas rakh sakte ho. Mutual funds mein kahi options hote hai. Chahe toh lumpsum invest kar sakte ho nahi toh disciplined ban ke har maheene thoda bahut invest kar ke SIP yaani ke systematic investment plan kara satke ho.
National Pension Scheme
Abbreviated as NPS, yeh rehta hai el government based voluntary, maane optional, contribution-led pension system. Log contribute karte hain, government woh paisa kohl invest kar ke grow kar lete hai aur phir retire hone ke baad, investors ko pension mil jati hai.
Yeh Income Tax ka EEE (yaani ke exemp exempt exempt) category mein aa jata hai. Iska yeh matlab hai ki agar aapne NPS mein Rs 10 lakh invest kiya aur aapko end mein Rs 15,000 corpus ya withdrawal amount mil raha hain, woh pura Rs 15 lakh tax free rahega. Aapko minimum Rs 6000 har saal invest karna padega. There is no upper limit. Iss investment pe aapko mil jata hai 12% to 14% interest.
Public Provident Fund
Yeh NPS ke hi jaise ke in the sense ki yeh bhi government scheme hai, yeh bhi voluntary hai aur iss scheme scheme pe bhi aapke returns tax free rahega. Is me interest rates kam hai lekin you can put in as little as Rs 500 during a difficult year apne PPF account jaari rakne ke liye. The upper limit is 1.5 lakh. 2020-2021 or liye Iss investment pe investors ko mil mil jayega 7.9% interest.
Even if aapne pichle char options ke baare mein sach much nahi suna hai, fixed deposit ka naam suna hi hoga. Fixed deposits banks se mil jata hai. Yeh sab se safe investment option hai. Lock in period relatively kam rehte hai. Interest rates guaranteed rehte hain lekin aaj kal many people are going for other options kyunki unho ne experience kiya hai ki returns equity ya mutual funds mein zyaada rehta hai.
Toh yeh raha market mein jo paanch investments options hai.
Equity Investments aur mutual funds mein aapko earnings ke liye koi upper limit nahi hai. Agar risks ko kam kar sakte ho to shayad yeh acha options ho sakta hai. You can get rich quickly and enjoy your wealth while you are still young.
Thoda bohot paise surely and safely invest karna chahiye. Iss purpose ke liye baaki teen options - that is NPS, PPF aur FD - achi alternative hoti hai. Timelines ko match kar ke invest kar lo. For example, the money you need back within three years can be invested in a fixed deposit. What you're okay receiving after retirement, NPS mein invest kar sakte ho. PPF allows partial amounts to be withdrawn, after 7 years of investment.
Apne wealth creation targets aur deadlines ke hisaab se aapke liye sahi fit option dyaan se chun lo.
Soch samaj ke decide kar lo aur apne paise ko divide kar lo.
Investment karthe samey make sure you choose a few different options and also that you keep track of all your investments. Ab online tracking har cheej ke liye available hai Angel Broking app pe, for example, you can keep track of both equity investments as well as mutual funds.