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WHY YOU SHOULD INVEST MONEY IN HINDI

In this post we are going to deep dive and discover 

how much money should you have before investing??

how much money saved before investing ??

factors to consider before investing money?

factors to consider before investing money?

and many more 



how much money should you have before investing?

if you are college student and don't have enough money to invest start with SIP mutual fund 

jab main college me that tab Maine 5000 rupees lumpsum me lagaye the aaj wo 12000 ho gya hai , investing me paise se jyada time aur patience matter karta hai 

agar aapke pass 500 hai to uska SIP yani Systematic  Investment Plan jisme aapko har mahine ek fix amount bharna rahega agar aap isko 10% se har saal bhadate hai to yah ek huge amount me convert ho jaega 


suppose rahul 20 saal ki umar me 5000 ki SIP suru karta hai 40 saal tak karta hai to uska amount kitna hoga

Agar Rahul ₹5,000 mahine ki SIP shuru kare aur 40 saal tak kare, toh 12% annual return par uska amount lagbhag ₹5.94 crore hoga.

Rahul ke ₹5,000 har mahine invest karne par, paisa compounding ke zariye badhta hai. Compounding ka matlab hai ki aapke invest kiye paise par jo return aata hai, us par bhi agle saal return milta hai.

40 saal tak:

  1. Har mahine ₹5,000 ka investment hoga.
  2. Har saal 12% ka return milega.
  3. Time ke saath, paisa return ke upar return ke kaaran exponentially badhega.

Isi wajah se uska final amount ₹5.94 crore tak pahunchta hai.

aur agar annual  return ya amount badha to uska final amount aur bhi bada hoga 

aur agar aap employed hain to aapko jyada amount invest karna chahiye 


Market ya SIP me paisa invest karne se pehle aapko in factors ko dhyan me rakhna chahiye:

1. Financial Goals (Vittiya Lakshya):

  • Aap kis liye invest kar rahe hain? (Shaadi, Ghar, Education, Retirement)
  • Short-term ya long-term goal samajhna zaruri hai.

2. Risk Tolerance (Jokhim Bardasht Karne Ki Kshamata):

  • Aap kitna risk le sakte hain?
  • Equity zyada return deta hai par zyada risk hota hai, jabki debt funds ka risk kam hai.

3. Investment Tenure (Samay Avadhi):

  • Aap kitne samay tak invest karna chahte hain?
  • Short-term (1-3 saal) ke liye safe investments jaise FD ya debt funds.
  • Long-term (5+ saal) ke liye SIP ya equity mutual funds.

4. Expected Returns (Apekshit Labh):

  • Har investment ka return alag hota hai.
  • Equity funds ka average return 10-12% ho sakta hai, jabki debt funds 6-8% dete hain.

5. Liquidity (Paiso Ki Uplabdhata):

  • Kya aapko paisa jaldi chahiye ho sakta hai?
  • Market investment me paisa jaldi nikalna mushkil ho sakta hai.



6. Market Conditions (Bazaar Ki Halat):

  • Market ke trends aur volatility samajhna zaruri hai.
  • SIP me regular investment se market ke uthal-puthal ka asar kam hota hai.

7. Expense Ratio (Kharcha):

  • Mutual funds ke management charges ko check karein.
  • Kam expense ratio wale funds choose karein.

8. Tax Implications (Kar):

  • Kya aapki investment tax-free hai?
  • ELSS funds tax saving ke liye best hain.

9. Diversification (Vividhikaran):

  • Sirf ek type me invest na karein.
  • Equity, debt, gold, aur real estate me diversification rakhein.

10. Advisor ya Research (Salah ya Shodh):

  • Expert ki salah lein ya khud research karein.
  • Fund ka past performance aur fund manager ki credibility check karein.

Yeh sab factors samajhne ke baad hi decision lein, taaki aapka paisa surakshit rahe aur aap apne goals achieve kar saken.


Hame Stock Market Me Hi Kyun Invest Karna Chahiye?

Aaj ke time me stock market investment ek smart aur long-term wealth creation ka best option hai. Agar aap apne future ko financially secure aur prosperous banana chahte hain, toh stock market ek ideal platform hai.

Is blog me hum discuss karenge ki stock market me kyun invest karna chahiye, iske benefits, aur kaise shuru karein.

1. High Returns on Investment

Stock market investment ka sabse bada advantage hai higher returns.

  • FD ya Post Office schemes me 6-7% ka average return milta hai, lekin equity stocks 12-15% ya usse zyada ka return de sakte hain.
  • Agar aap blue-chip companies me invest karte hain, toh aapka paisa compound growth ke through exponentially badhta hai.

2. Inflation Ko Beat Karna

Mahngai (inflation) har saal aapke paiso ki value ko kam kar deti hai.

  • Agar aapka investment inflation (6-7%) se zyada return nahi deta, toh asli terms me aapka paisa ghata hai.
  • Stock market inflation ko beat karne ke liye best option hai, kyunki long-term me ye zyada return deta hai.

3. Portfolio Diversification

Stock market me aap apne investment portfolio ko diversify kar sakte hain.

  • Aap different sectors me invest kar sakte hain, jaise IT, Pharma, FMCG, Banking, etc.
  • Diversification se aapka risk kaafi kam ho jata hai.

4. Liquidity

Stock market ek aisa platform hai jaha aap apne stocks ko kabhi bhi buy ya sell kar sakte hain.

  • FD ya Real Estate me paisa nikalna mushkil hota hai, lekin stocks ko aap kisi bhi time cash me convert kar sakte hain.

5. Dividends Ka Fayda

Kuch companies apne investors ko dividends deti hain, jo ek additional income source ban sakta hai.

  • Aapko stock price appreciation ke saath dividend income ka bhi fayda milta hai.

6. Easy Access Through Technology

Aajkal stock market me invest karna bahut easy ho gaya hai.

  • Aap apne phone se hi Demat aur Trading Account khol kar investing shuru kar sakte hain.
  • Platforms like Zerodha, Upstox, aur Groww investment process ko seamless banate hain.

7. Long-Term Wealth Creation

Agar aap regular invest karte hain aur long-term tak invested rehte hain, toh stock market aapki wealth ko multiple times grow kar sakta hai.

  • Example: Agar aap ₹5,000 monthly invest karte hain aur 15% ka annual return milta hai, toh 20 saal me aapka paisa ₹50 lakh se zyada ho sakta hai.

8. Mutual Funds Aur ETFs Ka Option

Agar aap direct stocks me invest nahi karna chahte, toh aap mutual funds ya Exchange Traded Funds (ETFs) choose kar sakte hain.

  • Yeh professionally managed funds hote hain jo aapke liye investing simple aur effective banate hain.

Stock Market Me Invest Kaise Karein?

  1. Demat Account Open Karein: Zerodha, Groww ya Upstox par apna account banayein.
  2. Research Karein: Companies ke financials aur performance ko analyze karein.
  3. Small Start Karein: Pehle SIP ya small investments ke through shuru karein aur gradually amount badhayein.

Conclusion

Stock market ek powerful tool hai jo aapko financial freedom aur long-term wealth provide kar sakta hai. Agar aap systematically aur disciplined tarike se invest karenge, toh stock market se aapke financial goals achieve karna possible hai.

Sochna kya? Aaj hi stock market me invest karna shuru karein aur apne future ko secure karein!

AUR INVESTING KE TIME RISK TOLERANCE KA DHYAN DE 

ALL THE BEST 


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