Hi friends. Angel Broking ke is podcast mein aapka swagat hai!
Dost yaad hai jab aap fresher the, aur first job dhoondh rahe the? Everyone didn’t want freshers. Lekin agar koi fresher ko hire nahi karega toh fresher, fresher hi rahega nah? Isse kehte hai catch-22 situation.
Sometimes, when people give stock market advice too, mujhe catch 22 situations jaisa lagta hai. They tell you ke bhai only invest with excess or surplus income. Lekin yeh surplus income aayega kidhar se if I don’t manage to somehow make my money earn for me?
Young salaried individuals ke paas surplus income rarely rehta hai – kyunki there is often rent to be paid, there are usually subscriptions and other monthly payouts and there are often other purchases like clothes, shoes and accessories for the dopamine high that we so desperately need to keep us going. Not to mention gifts, treats and other miscellaneous expenses. Ab toh sanitizer aur face mask bhi expense ban chuka hai at the rate we are using them.
Toh where will these surplus funds come from? Max to max, young salaried people might be able to not spend a very small amount and that amount can be invested in stocks. Yeh surplus-shmerplus ka koi sawal nahi hai. Toh kya small amount se stock market investment ho sakta hai? Ji haan, ji haan… you can do it. Chaliye dekhte hai, kaise:
Sabse pehle – why do people tell you to invest only with surplus capital?
If you are young with not too many financial commitments, a whole career ahead of you and a steady income, it might not be applicable to you. But imagine someone paying EMI on a loan, with young children’s fees to pay, a home to run and a potentially unstable employment situation. Such a person cannot afford to tie money up in the stock market and certainly cannot afford the risk of losing some or all of his investment. Stock market pe risk avoid nahi ho sakta hai – risk ko minimise kar sakte ho, manage kar sakte ho, mitigate kar sakte ho, lekin avoid karna possible nahi hai. Toh a steady income is a must. Steady income rehne se, agar aapko koi stock market loss hoga, toh aap next salary se aapke daily expenses manage kar sakte hai. Toh agar aapke paas steady job hai and you have decided that I will invest with this Rs 5000 or Rs 15000 … whatever amount you have put aside, which path has the potential to work well for you?
Here are a few ways to start investing with small amounts of money. Dost investment size hai, investment strategy important hai. Smart strategy se you might be able to turn Rs 500 into Rs 50,000 aur large capital lekin bina koi strategy se you can also reduce Rs 50,000 to Rs 500, or less. This is just an example people.
Toh basically sahi stock market moves pe dhyan rakhna – many of these rules are also applicable when you have larger capital to invest.
1. Pick an online stock broker who offers you competitive fees
Dost you do not need an expert who is available to you 24 x 7 when you are investing with small amounts. You need a cost-effective, easily accessible platform that gives you access to the stock market, investor education and access to stock graphs and historical data. Aaj kal online trading karne ke liye, investors have many options. For example Angel Broking lets you trade for a flat fee of Rs 20 and you can download the app for free, get a demat and trading account within hours and begin trading on-the-go.
2. Opt for long-term growth
Many companies are such that in the long term, the value of their stocks rises. Companies that sell essential goods or conduct essential services are some examples – aise companies ke stock price after few years badhne ka potential rakhte hain.
3. Diversify your investment
Kam capital jab haath mein rehta hai aapko ek hi jagah pura paisa dalne ka temptation rahega hi. Lekin avoid karna aise temptation ko. Kai alag companies and alag sectors se fewer shares khareedh lo, taki losses in any one investment can be buffered by earnings in other investments. Basically aap apne chances ko improve kar rahe ho by investing in multiple places. There are many other ways to diversify your portfolio, so do your research before making a decision.
4. Find a basket of stocks from sectors that you understand
Sirf diversify karne ki baat nahi hai – it is better to buy stocks from sectors you understand kyunki phir aap company ke financials ko study kar sakte ho. You need to evaluate if a company whose stock you are buying is actually turning around profits or not. Kya in ke business mein aage earnings milne ka possibility hai ya nahi? You will need to find answers to such questions, right?
5. Set your goals
Set a profit goal or a target price for the stock that you are choosing to buy. Ho sakta hai ki aap stock ko Rs 100 mein khareedh rahe ho aur aapko Rs 75 ka earnings chahiye, so you will set your target price at Rs 175. Jab stock price Rs 175 touch ho jata hai, exit. Yeh important baat hai dost - Exit once you have met your targets. Greed stock market mein achi baat nahi hoti hai because it is an emotion aur emotions se galti hoti hai – stock price kabhi bhi gir sakta hai. Target achieved hua to stock ko bech do.
6. Set a reasonable stop loss
Of course aapke paas agar kam paise hai toh you will be worried and might set a stop loss toooooo close to your buy price. Lekin phir volatility ke liye koi room nai rahega. Set a reasonable stop loss to allow for some fluctuation!
7. Always reinvest
Earnings ko waste ya splurge mat karo dost jab tak investment capital bahut kam hai. Instead usse bhi invest kar ke aur stocks khareed lo – aur kamaane ki possibility rakhoo. For example abhi your small amount might have grown from Rs 5000 to Rs 7500. That Rs 7500 might actually be able to buy you more stocks, from various sectors.
8. Avoid extremes
Penny stocks ko avoid karna aur overpriced stocks ko bhi. You don’t have the capital to invest in a very expensive stock and you must not expose yourself to the risk of buying stocks that are experiencing such low demand that their prices have dropped so steeply.
That’s it, remember these 8 points and do your own research after that. Feel free to visit our youtube channel or our website for more such insightful information.
Doston, aaj ke podcast mein bas itna hi. Fir milenge next podcast mein. Tab tak ke liye, Angel broking ki taraf se alvida - and happy investing!
Investments and the securities markets are subject to market risks. Read all the related documents carefully before investing.