Mutual Funds Kya hota hai? Mutual funds kitne parkar k hote hai? Kya Mutual Funds Risky hai?

Mutual Funds Kya hota hai? Agar aap Share Market ke bare mein thodi Jankari rakhte Hain. Lakin aap invest karne se darte Hain to aapke liye mutual fund bahut Achcha option ho sakta hai. Yahan per aapke paise ko manage karne ke liye ek fund manager rakha jata hai jo bhut sare logo k ikatha huye paiso ko invest kar k achi return bana k dete hai. Abh aap ko batate hai Mutual Funds Kya hota hai.

Mutual Funds Kya hota hai? Mutual funds kitne parkar k hote hai? kya hota hai?

Mutual fund yeh ek aisa trust hai jo badee amount mein aise logo se Paisa ikatha karta hai, Or os paise ko ek educated fund manager invest karta hai or Jo investor hote hai on ko investment ke badle me units milti hai jo price market me chal Raha hota hai os k hisab se units mil jati hai or jab kabhi investor ko paise niklwane hai toh wo apni units ko bech kar apne paise ko niklwa sakta hai.

Agar aap ko saaf saaf shabdo me bataye toh mutual funds ek treeka hai jo aam Aadmi ko apne paise par achi return se paise ko badane me help karta hai kyu ke aap k paise ko ek bahut he Educated fund manager ke duara invest Kiya jata hai.

Mutual Funds Kya hota hai? Invest karane vaale logon ka paisa kahaan-kahaan aur kaise invest karana hai, yah ek expert logon ke team hire ki jati hai. Yeh team ek fund manager ke under kaam kartee hai.

Us team mein market aur stock market ko samajhane vaale professional rakhe jaate hain. Companies aur unake stocks(Shares) ke pichale record aur aage ke sambhawna ko dhyaan mein rakhate hue voh team, logon ke paiso ko is tarah se invest karatee hai ki usase kam se kam nukasaan ke saath achchha returns mil sake. 

Is tarah se mutual funds aapako badee-badee keemat vaale stocks mein bhee, kam paise lagaakar investment ka profit laine kee sahooliyat dete hain. Hume lagta hai abh aap ko pata chal gaya hoga mutual funds hota kya hai. Abh aage dekhte hai mutual funds me kya kya cheeje hoti hai.

Mutual funds Units kya hai ?

Mutual Funds Kya hota hai ? yeh toh aap ne samaj liya hoga Ek Mutual fund mein bhut tarah ke investment ko shaamil kiya jaata hai. Isme kaee tarah ke govt. Bonds, derivatives,  Treasury bills v ho sakate hain aur kaee tarah ke bonds bhi ho sakate hain. Yaha par bhut sare products ek he mutual me ho sakte hai.

Fir in ko kuj percentage me baant diya jata hai. Lakin sab se pehle Mutual Funds ka objective bnaya hota or jab koi is me investment karta hai toh aap ko ka paisa on sabhi cheejo me invest hoga jo jo cheeje mutual fund me hai. (Example:- Equity, Debt, Govt. Bonds etc.)
Toh fir aap ko aap ki investment k badle units diye jate hai. or in units ko aap sell kar k apna Paisa vapas lee sakte ho

NAV kya hoti hai?

Aapane Mutual Funds ke baare mein to suna hee hoga. yadi aap Mutual funds mein investament karate hai to aapko NAV ke baare pata hee hoga, kyoki Mutual funds investors mein NAV ke baare mein to saara din baate hoti he rahatee hai. lekin yadi aapako NAV ke baare mein nahin pata aur aap Mutual funds mein invest karana chaahate hai to aapako NAV ke baare mein jaroor pata hona chaahie, kyoki isake bina aapko bahut problems face karni pad saktee hai.

Hum aapko asan treeke se batate hai kee NAV kya hota hai simple tareeke se bataya jaaye to isaka matalab hota hai Net Asset Value. Yeh kisee bhi company ke current time ke asset ke market value mein se total liabilities ko less kar ke phir se us din kee total number se divide karake nikaala jaata hai.

NAV Funds ki units hotee hai aur har din business ke last mein AMC Asset Management Company ke dvaara iskee calculation ki jaati hai. Yadi Mutual funds ko band kar diya jaaye aur mutual funds holdar ko jo par units ke badale jo Amount di jaati hai. us ko NAV kaha jaata hai.

Mutual Funds kitne parkar k hote hai?

Equity Funds

Equity funds hote hain Jo maine paisa company ke shares mein lagate hain unke return ka expectation Kafi high hota hai is liye risk be high hota hai theek hai, to agar aap long term planning se paisa invest karna chahte hai toh mere Khyal se equity fund is a good option for you.

Debt Funds

Debt mutual fund yeh funds hota hai vah mainly fixed income wale class me paisa Lagate Hain ya to vah company ke debentures me paise Lagate Hain ya vah government securities per Paisa Lagate Hain

Balanced Funds

• Balanced Mutual fund ke bare mein balance fund ko aap hybrid fund bhi bol sakte hain, kyuki ismein kya hota hai ismein aapka Jo Paisa hota hai vah thoda sa Shares mein lagta hai aur thoda sa debentures mein lagta hai. Yeh mainly kis liye hota hai taki aapka risk jo hai usko optimise kiya Ja sake. Hum yeh nhi keh rahe ki risk aapka ekadam minimum ho jata hai ya risk ekadam khatam ho jata hai risk sirf optimise ho jata hai.

Index Funds(Passive Funds)

• index fund kya hota hai in funds ko passive funds bhi kaha jata hai yeh funds stock market index ke upar paise lagte hain. Usmein kya hota hai na jaise jaise stock market upar ya niche jaata hai toh index bhi niche ya upper jata hai toh is se aapka fund bhi upar niche jaata hai. Index  fund me manager ko utani decisions nahi lene hote Hain paisa lagan ke liye utna socha nahi hota hai. Profit and loss  index ke upar depend karta hai to yeah comparatively less expensive hote hai kyonki hume mutual fund manager ko itana pay nahi karna padta.

Money Market Funds

• Money market funds mein kya hota hai Jo paisa hota hai generally liquid securities mein lagaya jata hai liquid securities board securities encash kiya JA sakta to Jo bhi aapko paisa chahiye ho aasani se paisa nikaal sakte Hain toh mainly yeh do type bahut common hai.  iske Ek hota hai commercial papers aur uske alava hote Hain treasury bills to jo money market funds hote hain inme  paisa lagate hain. Yeh highly liquid or mainly short term investment ke liye best alternatives  mana jata hai.

Tax Saving Funds (ELSS Funds)

• Tax saving funds bhi actually dekha jaye to equity fund Mein hi unaka maximum paisa lagta hai inaka Ek focus hota hai Ki paisa is tarike se lagaya jaye Ki jo bhi investor hai Jo aapke mere jaise log tax advantage laite hum aap ko bata de ye bhi equity fund Mein hi jyadatar paisa aapka lagaya jata hai to ye equity fund ka hi type ho gaya.

Funds of Funds

• Funds of Funds Mein kya hota hai Ek mutual fund dusre mutual fund Mein paisa lagata hai toh its like you know channelizing the money mutual fund Mein paisa lagaya wo dusre mutual fund ko aapka paisa de deta hai theek hai aur Jo doosre mutual fund Vale hote Hain wo further aapke paise ko divide kar dete Hain apne hisab se unko Jahan bhi aapka paise ko lagana hota hai.

Mutual Funds Kya hota hai yeh toh aap ne samaj liya hoga abh kuj common question hai

F&Q

Qus. 1. Mutual Funds me kya faida hota hai?

Ans: Mutual funds me ek bhut educated fund manager hota hai jo sab se pehle study karta hai ke kaha par investment karni chahiye. Is se sab se acachi cheej hai ke paise ki diversification ho jati hai. Jis ke saath risk kam ho jata hai or return bhi bad jati hai. Is me invest kar ke hum inflation(Mehngai) ko beat kar sakte hai.

Qus. 2. 1 Saal me mutual funds kitni returns deta hai?

Ans: Agar aap invest karna chahte hai toh aap flexi cap ja multi cap mutual funds me paisa laga sakte hai. Yeh funds alag alag jagha par paisa lagate hai toh yeh funds aap ko 12 se 15% CAGR return bana ke dete hai.

Qus. 3. Kya mutual funds me paisa doob sakta hai?

Ans: Agar toh aap short time ke liye paisa invest karte hai toh aap ko mutual funds me loss ho sakta hai. Lakin agar aap 5 se 6 saal tak paisa invest karte hai toh aap ko loss hone ke chances lagbhag na ke barabar hote hai.

Qus. 4. Mutual funds me nukasan kaise hota hai?

Ans: Mutual funds se nuksan tabhi hota hai agar aap bina knowledge ke paisa laga dete hai. Investment karne se pehle aap clear kare ke aap ko kitne saal tak paisa lagana hai. short time ke liye aap equity me paisa nhi lagana chahiye. or invest karne se pehle financial ki advice zaroor lee. jo bina kisi charges ke aap ko planing kar ke de dete hai.

Qus. 5. Mutual funds se paisa kab nikal sakte hai?

Ans: Mutual se aap paisa kabhi bhi nikal sakte hai ko funds ka lockin period hota hai. Equity funds se aap kabhi bhi paisa nikal sakte hai lakin agar aap 1 saal se pehle paisa nikalte hai toh aap ko 1% ka exit load lag jata hai. Is liye aap kam se km 1 saal baad he paisa nikale ta ke exit load na lage.

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