Jab aap ek monthly income kamate hain, toh aap uska kuch hissa savings ke liye rakhte hain. Aam taur par we expect ke hum unnsavings ko kahin par invest kar sakenge aur hum expect karte hain ke hume uss investment bade se bada return mil sake.
Hum investment ke avenues ke baare me sochein toh do options prominently saamne aate hain. Ek hota hai fixed deposits - jo humare parents tak hume sabse pehle sugget karte hain aur doosra option hota hai share market me invest karne ka. Ek ore fixed deposits karwana achha decision lagta hai kyuki woh conventionally safe maane jaate hain. Dusri ore share market me invest karne ke liye risk uthana hota hai.
Let’s talk about these options in detail and decide ke share market versus FDs ke tug of war me kon jeetta hai! Pehle baat karte hain fixed deposits ki. FDs ke roop me investment bank ya kisi financial service firm ke saath ki jaati hai - at a specified rate of interest. Ye rate pehle se decided hota hai - according to Reserve bank of India’s announcement. Ye interest aap chahe to quarterly, yearly or cumulatively le sakte hain.
Doosri ore hain share market investment, jiska matlab hai ki aap kisi company ke stocks khareed rahe hain. In dono ki paribhasha se hi clear hai - FDs par market fluctuations ka koi asar nahi hota. Jabki share market ki saari investment strategy hi market movements ki study par based hoti hai.
Agar aapko apni savings ke liye share market aur FDs me se decide karna hai, aiye dekhte hain ke konse parameters hain jinke basis par aap ye decision le sakte hain.
First and foremost hai iss list me risk. Kisi bhi investment me kitna risk liya jata hai, ye janna bahut crucial hai. Kuch investors risk lena chahte hain, kyuki they like the idea of taking more risk with the possibility of greater returns. Agar aap aise investor hain jo apna return maximise karne ke liye risk lene ko ready hain, then you can consider investing in the stock market. Wahan aapka return market fluctuations pe depend karta hai aur risk exposure kaafi zyada rehta hai.
On the other hand, agar aap apni investment ke saath bahut hi cautious rehna chahte hain, aur aap risk lene me ruchi nahi rakhte, then you should opt for fixed deposits. FDs me koi risk involved nahi hota - kyuki unka return milta hai interest ki form me- jo quarterly, yearly ya cumulative form me calculate kiya jaata hai.
Ab ho sakta hai aapki risk appetite aapki age par depend kare: usually young investors are more keen on taking risks - unhe high risk, high return ka thrill achha lagta hai.
So if you look at risk, yaapka ideal portfolio aisa hoga jisme thoda amount equity instruments me invest hoga aur baaki fixed deposits jaise consistent returns wale instrument me.
Next on our list is the potential return you get on your investment. Risk je juda hota hai kisi bhi investment ka earning potential. We have already discussed that Fixed deposits ka interest rate fixed hota hai - usually around 7-9%. Doosri taraf we have share market instruments, jahan pe sahi decisions liye jayein to unka return kareeb 12-15% ke beech aata hai.
The third parameter on our list is the impact of inflation. Humne abhi bataya ke Fixed deposits ka return stable hota hai, lekin sirf 7-9% hota hai. Agar aap dhyan se soche to inflation ki wajah se is return ki value future me aur bhi kam ho jaati hai. India ka inflation ke saath track record kuch aisa raha hai ke inflation 13% tak bhi pahunchi hai, aur kabhi bhi 3.44% se kam nahi hui. Aise me real returns ke liye ye zaroori ho jaata hai ke aapki investment aapko inflation rate se zyada rate of return dein.
Stock market me prudently invest karne se aapko 12-15% tak ka return mil sakta hai, jo is inflation rate ko aur doosre economic ups and downs ko combat kar sakta hai, making stock market a worthy investment in this respect.
Next criterion on our list is liquidity. Kisi me investment me liquidity important hoti hai. Liquidity ka matlab hai kitni aasani se aap kuch investment ko encash kara sakte hain. Now, in the case of FDs, aapke apne fund FD me daalte hain, aur ek fixed period ke liye woh funds wahin rehte hain, usually this period can go up to 5 years. On the other hand, share market instruments me koi lock-in period nahi hota. These instruments are highly liquid and can be bought and sold in the market.
Iss liquidity ke kaaran investments ko flexibility bhi milti hai - for example, aapk stock market trends study karke apne stocks ko reallocate kar sakte hain, diversify karne ke liye alag alag securities me invest kar sakte hain. This helps spread the risk and positively impact your return. The same is not true for fixed deposits where everything is fixed.
Finally, you should also consider the taxation policies. FIxed deposits ke case me jo annual interest milta hai, that is taxable agar wo Rs5000 se zyada ho. On top of it, aapka maturity amount bhi taxable hota hai. In the case of investments in share market, aapka dividend tax-free mana jaata hai.
Waise toh share market aur FDs dono ke apne pros and cons hai. Agar aapko apni wealth badhane ke liye risk lena theek lagta hai, toh aap share market me invest kar sakte hain, agar aapko stable income zyada appeal karti hai, then go for FDs. Consider your situation and choose wisely, and have them both in your portfolio for balance!