Blog Financial Planning Investing MUTUAL FUNDS

Why Mutual Funds Are The Best Way To Start Investing

I started saving too late. It was not that I did not like saving and investing. The reason for saving late was to make money late. But when I started saving, I chose mutual funds. In the mutual fund, it does not matter whether you have knowledge of investment or not any normal person invests in it. Mutual funds are for everyone and anyone can invest in it.

1) It’s easy to start with

Investing in Mutual Funds is very easy. You do not need much knowledge and much money for documents to invest in Mutual Funds, you need your bank account and PAN card details. No need to bother with a Demat account and stuff. And now with the Groww app services, it becomes even simpler with paperless sign-ups and you can make your first investment in any mutual fund in just 10-15 minutes.

2) You can start with what you can manage.

As I said earlier, you can start investing in mutual funds with very little money. In mutual funds, you can start at Rs 1000 per month. Although I too started with Rs 1000, we recommend you start from Rs 5000 to reach your goal faster.

3)No more knowledge and research required

If you do not know anything about the stock market, you can still invest in mutual funds, you will find a lot of blogs on the internet or videos on YouTube that you can choose the best fund to meet all your financial needs. We will help or you can contact us also. And you can also read our blog. Today there are many apps in the market which have made it very easy by investing in mutual funds. And they also help you choose a good fund from your financial needs.

4) You can use them for almost every investing time frame

You invest in mutual funds according to your time frame. You can invest in mutual funds for a few months just want to keep some money for a few years? It is also covered with debt fund options. or a few years. From 3 months to 30 years, mutual funds come in such types that cover almost all the time frames.

gold coins tree
gold coins tree

5) For every goal

You can invest in mutual funds according to your goals. You can save your tax, move abroad, buy your home, buy your dream car, etc. Mutual funds can meet almost every conceivable financial goal.

6) smartest way to create wealth.

Wealth creation is not easy and yet easy. And if you invest in the stock market without investing knowledge, then it will be like gambling for you. And it takes time and effort to understand equity investment and we all do not have that luxury. Hence equity mutual funds have put experienced and skilled people at the helm. So they make equity investments for you and you just invest money.

7)You can get better returns than what your bank returns to you

If you want to avoid inflation and stay ahead, equity is the answer. With a history of 14% -16% returns on average over decades, equity mutual funds have proven that they think longer.

Blog Investing MUTUAL FUNDS

What is Mutual Fund and SIP How it Works? In Hindi

Mutual fund (MF) एक fund है जहाँ बहुत सारे लोगो से पैसा इकटठा किया जाता है जो कंपनी fund को मैनेज करती है उन्हें assets management कंपनी कहते है हर Mutual fund स्कीम के लिए फंड मैनेजर a point किये जाते है fund मैनेजर उस Mutual fund स्कीम के जो golds objects use है उनके अनुसार लोगो का पैसा invest करते है और उस Investment से जो profit होता है उसे जिन लोगो ने इस fund में invest किया था उनके बीच बाँट दिया जाता है इस fund को मैनेज करने के बदले में एसेट्स कंपनी कुछ फीस चार्ज करती है जिसे एक्सपेंस रेश्यो कहते है ICICI Prudential Assets Management Company, SBI Mutual Fund, Motilal Oswal Assets Management company ये सारी assets management company है sbi mutual fund के ही 70 से ज्यादा mutual fund schems है sbi magnum balanced fund , bluechip fund , sbi regular saving fund , जब आप mutual fund में invest करते हो तो आप ऐसी ही किसी scheme में अपना पैसा invest करते हो mutual fund में आपका पैसा manualy 2 एसेट्स के asis में invest किया जाता है DATE AND EQUITY date mutual fund में आपका पैसा date insurvent में invest किया जाता है जैसे कि government securities treasury bill debentures at Maitra इन्हे debt instruments भी कहते है तो ये government companies instrument के जरिये invester से पैसा उधार लेते है और बदले में उन्हें invest यानि ब्याज देते है तो जो mutual funds debt instruments में invest करते है उन्हें debt mutual fund कहते है।

Mutual Fund and SIP How it Works
how to work mutual funds

What is Debt Mutual Fund

Debt mutual fund के कही सारे types होते है वही equity mutual fund में आपका पैसा stock market में invest किया जाता है equity mutual fund के भी कही सारे types होते है हर mutual fund scheme के लिए fund manager apoint किये जाते है तो अगर बो equity mutual fund है तो उसे fund में कोनसा stock खरीदना है कोनसा बेचना है उन्हें कब खरीदना है और कब बेचना है ये सारे design fund manager लेते है इसलिए equity fund का performance काफी हद तक fund manager के skills और expertise पर depend होता है इसलिए mutual fund में invest करने से पहले fund manager के skills और expertise को जानना बहुत जरुरी है, mutual fund में invest करने के 2 तरीके होते है

What is Lump Sum and SIP

lump-sum investment मतलब एक साथ अपना पैसा invest करना वही sip हर महीने या हर क्याटर में invest करना जैसे कि RD की तरह RD में एक fix amount हर हफ्ते या हर महीने डालते रहते है उसी तरह आप SIP में हर महीने या क्याटर में invest कर सकते है तो अगर आपने हर महीने में एक तारिक को 1000 SIP शुरू की है तो हर महीने एक तारिक को आपके बैंक से पैसे कट जायेंगे और mutual fund में invest किये जायेंगे
आज कल तो 500 रुपये से भी SIP सुरु कर सकते हो जैसे कंपनी के source होते है उसी तरह mutual fund scheme के units होते है और जैसे उसकी कीमत share price से पता चलती है उसी तरह एक unit की कीमत उसके NAV (NET ASSETS VALAUE ) से पता चलती है, किसी mutual fund scheme में invest करने से पहले आपको उसके offer documents जरूर पड़ने चाइये अगर आप सीधा stock market में invest करना कहते हो पर आपके पास company का analysis करने के लिए समये नहीं है तो equity mutual fund एक वेस्ट option हो सकता है और आप किसी mutual fund manager के experties का फायदा ले सकते है तो ऐसा नहीं है की किसी भी mutual fund में invest कर या अलग अलग types के mutual fund scheme होते है जिनके अलग अलग risks & rewards होते है तो यहाँ पर आपको fund manage का experties उस scheme के objective risk & rewards expenses इन सारी चीजों का analysis करना होगा और फिर जो scheme आपके investment goal से match होती है उसी scheme में आपको invest करना चाहिए ।