Expenditure improves the quality of your life right now. Savings and investments improve the quality of your life in the future. Sawaal yah banta hai ki aapko prioritise kya karna chahie? Kya aapko necessary aur luxury purchases karke apni har khwahish puri karni chahie? Yah karne se aapka present mein life quality toh bilkul badhega.
Per phir aapko Bina savings aur Bina long-term investment ke future mein taklif ho sakti hai. For instance, bina savings ke ya mumkin hai ki aapko retirement mein bhi expenses meet karne ke liye koi part-time job karna pade. Retirement mein part time job karna agar choice hai, to vah bahut acchi baat hai. Per retirement mein job karna compulsion nahin hona chahie. A very simple way to ensure that you retire as a free man or a free woman, is to ensure that you accumulate a lot of savings. But savings accumulate karne ke liye expenditure kam karne padenge, and that might not allow you to live as large as you would like to.
Ho sakta hai ki aapko savings badhane ke liye foreign vacations delay ya phir cancel karne pade. Luxury expenses thode kam karne pade. Angel broking ke iss podcast mein ham aise hi thorny issues discuss karte Hain. In this episode, we will tackle the confusing question: what is the perfect ratio between saving, expenditure and investments?
Before discussing this ratio, let's understand the tension between savings and investments. Agar aapko wealth grow karna hai, toh investments are a better option. Aap jab capital assets mein invest karte ho, to higher returns ke chances badh jaate Hain. Per capital assets ke prices mein market forces ka bada haath rehta hai.
Aap guarantee ke sath nahin keh sakte ki yah asset ka value appreciate hi hoga. On the other hand, saving instruments are safer than investment instruments. Aap FD account khula sakte hain aur uss account mein regular deposit karne se aapka wealth dheere dheere, par guaranteed, badega. Therefore, both savings and investments help you prepare for the future. But they have different risk profiles and different returns potential. Investments mein risk thoda jyada hai to returns ka potential bhi jyada hai. Savings main bhale risk kam hai, per investments jitne returns ka possibility nahi hai.
Chaliye ab investment, savings aur expenditure ka ideal ratio discuss karte hain. Such toh yah hai ki koi ideal ratio nahin ho sakta. Har Insan ki needs aur wants alag hoti hai. However, ek guideline ke taur per 1 ratio Diya ja sakta hai. Yah ratio ko 50-30-20 rule bhi kaha jata hai.
According to this rule you should spend 50% of your take home salary on the essentials of life. Therefore 50% of your salary should cover your housing, your food, your transportation, and other basic goods and services. Apne essensials needs theek se satisfy karne ke baad aap apni salary ka dusra 30% apni wants per spend kar sakte hain. Aapki wants gadgets se lekar vacation tak kuchh bhi ho sakti hai. Maybe you want to buy a luxury showpiece for your living room, or maybe you want to gift your significant other something. Whatever it is, your total non-essential expenditure should not exceed 30% of your monthly take home salary. The remaining 20% of your salary should be devoted to savings and investments. You should spend your money in saving instruments and investment instruments so as to minimise your risk exposure and maximize returns.
Iss 50-30-20 model ke critics' bhi kafi hai. Kuchh logon ka kahana hai ki apni salary ka 80% use current expenses mein karna bahut jyada hai. These people believe that the percentage for savings and investments should be much higher. Yah criticism valid to bilkul hai. Experts ka recommendation rehta hai ki apne expenses aur investments ke upar aapko ek emergency fund ready rakhna chahie. This emergency fund should be a corpus that is 6 times your monthly salary. Emergency fund ka kaam hai ki aapko agar 6 mahine tak income source nahin milta, toh bhi aap apna life aaram se jee sakte hain.
CoronaVirus ki vajah se kaafi logon Ko unemployment ka Samna karna pad raha hai. Kaafi industries mein salary cuts dekhne ko mile hain. Aise crisis ke time per emergency fund hona Kitna jaruri hai vah samajh mein aata hai. Therefore, experts believe ki jab sab kuchh normal ho to ek emergency fund banana chahie Jo aapke liye 6 mahine ya fir usse jyada tak ka buffer ho sakta hai.
According to experts, to calculate your retirement corpus amount, aapko apni annual salary ko 25 se multiply karna chahiye. Jo bhi number aapko mile, that should be your targeted retirement Corpus. Ek comfortable retirement corpus banane ke liye aap equity investments ka support le sakte hain. The younger you are, the more risk you can tolerate.
Kuch experts ki salah hai ki apni investments mein se equity mein kitna dalna chahie, ye calculate karne ke liye aapko apni age ko 120 mein se subtract karna hoga. Agar aapki age 30 sal hai, then 120 - 30 = 90. That means 90% of your portfolio can be devoted to equities.
As you grow older, this number will decrease. Aap ko dheere dheere apne portfolio Ko rebalance karna chahie aur equity ka percentage gatana chahiye. This will minimise your exposure to risk while ensuring that you get good market based returns.
चलिए, एंजेल ब्रोकिंग की तरफ से आपको आज के अलविदा. ये podcast शेयर करना ना भूलियेगा - याद रखियेगा की ज्ञान बाटने से बढ़ता है । और फिर अंत में तोह financial markets एक ऐसी university है जिसमे कोई professor नहीं, सब students ही है ।