Nivesh ka naam sunte hi kai logon ke man me bada sawal aata hai — kya share bazaar me paisa lagane ke liye moti rakam chahiye? Jawab hai nahi. Systematic Investment Plan yani SIP ke zariye aap har mahine sirf 500 rupaye se bhi mutual fund me nivesh shuru kar sakte hain. SIP aaj ke samay me aam niveshakon ke beech sabse lokpriya tareeka ban chuka hai.
SIP kaam kaise karta hai?
SIP me aap har mahine (ya hafte ya timahi) ek nishchit rakam mutual fund scheme me lagate hain. Ye rakam aapke bank khate se apne aap kat kar fund me chali jati hai. Bazaar upar ho ya neeche, aapka nivesh lagatar chalta rehta hai. Jab bazaar neeche hota hai to aapko kam daam par zyada units milti hain, aur jab bazaar upar hota hai to kam units — isi ko rupee cost averaging kehte hain, jo lambe samay me aapki ausat lagat kam karta hai.
SIP ke 4 bade fayde
Pehla fayda hai anushasan — nivesh apne aap hota hai, isliye bhoolne ya taal-matol ka sawal nahi uthta. Dusra, compounding ka fayda — lambe samay tak nivesh par return par bhi return milta hai, jisse chhoti rakam bhi badi ban sakti hai. Teesra, aap bazaar ke utar-chadhav ka sahi fayda uthate hain kyunki nivesh har mahine nishchit hota hai. Chautha, isme poori suvidha milti hai — aap kabhi bhi SIP rok sakte hain, rakam badha ya ghata sakte hain aur zaroorat par paise nikal bhi sakte hain.
SIP shuru karne se pehle in baton ka dhyan rakhein
SIP shuru karne se pehle apna lakshya tay karein — kya aap kuch saalon me ghar lena chahte hain ya lambe samay baad retirement ki taiyari kar rahe hain? Lakshya aur samay ke hisab se sahi fund chunein. Lambe samay ke lakshyon ke liye equity fund upyukt mane jate hain, jabki chhote lakshyon ke liye debt ya hybrid fund behtar ho sakte hain. Yaad rakhein, mutual fund me nivesh bazaar jokhim ke adheen hai — kisi bhi fund me paisa lagane se pehle uska pradarshan, kharch anupat (expense ratio) aur fund prabandhak ka record zaroor dekhein. Zaroorat ho to kisi panjikrit nivesh salahkar se salah lein.
