» » Update म्यूचुअल फंड में पैसे लगाने से पहले ये 5 बातें जरूर जान लें,Before Invest money in a mutual fund, know these 5 things

Update म्यूचुअल फंड में पैसे लगाने से पहले ये 5 बातें जरूर जान लें,Before Invest money in a mutual fund, know these 5 things

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म्यूचुअल फंड में पैसे लगाने से पहले ये 5 बातें जरूर जान लें,Before Invest money in a mutual fund, know these 5 things:
friends,aj ham iss post main dekhenge ki kisi bhi mutual fund scheme por apna  money ko invest korne se pehale apko kaha pe sob se jada dhayan dena hain..aj ham aise 5 bate iss post por discuss korenge..usse pahele agar ap mutual fund k bare or bhi achhi tarikha se janna chaha te hai ki mutual fund kia hain,kaise kam korte hain aur mutual fund main taxation system kaisa hain, to ap niche deya gaya post por sakte hain...

म्यूच्यूअल फण्ड क्या है? Mutual Fund in Hindi

कितना टैक्स देना पड़ता है Mutual Funds बेचने पर?

 so friends,ab  step by step jan lete hain  oh 5 bate:
1.म्यूचुअल फंड चुनाव | Fund Slections :
sabse pahale to apko ye tay korna hain ki aapke nivesh ka maksad yani goal kia hian?app kitna amount nivesh kor sakte hain or kitna time tak isme bane rahe sakte hain.agar ap ek sabl ya 2 sal k lia nivesh korna chate hian to uske lia alag mutual fund honge.agar apko 8 sal ya 10 salke lia ya fir iss se bhi jada time duration invest korna hain  to uske lia alag mutual fund honge.to gays eha por sahi mutual fund  ka selecttion usi bat par nirvar korta hian ki apki investment ki obdhi kia hian. example ke lia agar aap chhotee obdhi ke lie nivesh kar rahe hain, to aap debt fund ya liquid fund chun sakate hain.  agar aap lambee obdhi i ke lie nivesh kar rahe hain, to phir aapake lie equity mutual fund sahee rahenge. 
2.जोखिम लेने की क्षमता तयकरना|Determine the risk taking capacity:ekbar apne nivesh ki obdhi tay korli fir apko khud se puchna hian iss nivesh ke lia kitna risk le sakte hain,yad rakhe ki jada return ke lia jada risk bhi lena porta hain.maan lejie ki apane lambe obdhi ke lie equity mutual fund  mein nivesh korna chate hain , lekin aap is baat ka jokhim nahin le sakate ki aapake nivesh kee value mein giraavat aa jae, phir aapako vaise fund  chunane honge jahape  return aur jokhim santulit rahe.yani aap pure equity fund kee bajaay balanced fund mein nivesh karen, jo equity aur debt dono mein ek nishchit anupaat mein paise lagaate hain.
3. फंड का पिछला प्रदर्शन,Past performance of the fund:vaise to is baat kee gaarantee nahin hotee ki agar kisee fund ne ab tak achchha perform kiya hai to aage bhee uska performance  vaisa hee rahega.lakin apko ek tulanamulak andaj mil jata hain ki kon si fund main consistency hain.
4. खर्चों पर नजर डालें |expenses:
kisee bhee mutual fund ko chunate wakt ye jaroor dekhen ki usamen nivesh se jude kharch kya hain, kyonki apaka net return in kharchon kee vajah se kam ho sakata hai. jin kharchon ko aapako dekhana hoga, vo hain entry aur exit lode, asset management charge, expance ratio

vaise to mutual fund scheme mein entry lode nahi lagata, lekin ek tay seema ke pahale se paise nikaalane par kaee kampaniyaan exit  lode charge karte hain, jo 3% tak ho sakata hai. isalie un scheme mein nivesh karen jahaan exit  lod kam ho ya nahin ho.
                            isee tarah, asset management charge aur expance ratio  bhee jaroor dekhen kyonki ye saare kharch aapake return por ghata la sakta hain. 1.5% tak ka expance ratio kisee mutual fund ke lie munasib maana jaata hai, lekin isase jyaada expance vaalefund mein nivesh na kornai behetar hain.
5.फंड हाउस और मैनेजर का रिकॉर्ड भी देखें|Record of fund houses and managers:jis mutual fund scheme mein aap paisa lagaane ja rahe hain, us scheme ko laane vaale company  aur usakee dekharekh karane vaale mainejar ka record  chec k karana bhee maayane rakhata hai. dekhen ki fund hous e kitne samay se kaam kar raha hai, usakee startting se s  performance kaisa raha . saath hee ye bhee pata lagaen ki jorurat hain iss scheme ke phand manager ka anubhav kitana hai aur vo is scheme ko kitane samay se manage kar raha hai.
                                                             
                                                    ye saree jaankaare aapako kisee bhee mutual fund company kee website par mil jaegee.ya fir aur bhi bohut sare website  hain, jahaan aap kisee bhee phand ke performance , rating, portfolio kee jankaare haasil kar sakate hain. thoda sa samay deejie aur phir apane jarooraton ke mutaabik phand chunakar nivesh shuroo kar deejie.
                                        
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[अगर आपको यह लेख अच्छा लगा हो तो कृपया इसे फेसबुक एंव अन्य सोशल मीडिया पर जरूर शेयर करें| आपका यह प्रयास हमें और अच्छे लेख लिखने के लिए प्रेरित करेगा|
यदि आपके कोई प्रश्न हैं, तो कृपया टिप्पणी अनुभाग पर लिखें।]

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