Mutual fund in hindi – Mutual fund क्या होता है? पूरी जानकारी

Mutual fund in hindi

Chaliye aaj jaante hai mutual fund kya hota hai? Hum aapko yaha aaj batane waale hai mutual fund se related har ek jaankari like-

  • Mutual fund kya hota hai
  • Mutual fund me Fund manager kaun hai aur uski bhoomika
  • Mutual fund investment ke alag alag sectors [public and private]
  • Popular Indian mutual fund platforms

Dosto, aksar hum jab bhi mutual fund ka naam sunte hai tou darr jaate hai. Hume bahut kuch sunn-ne ko milta hai jaise ki-

  • Ye fraud hai
  • Isme investment nahi karna chahiye; paisa doob jayega
  • Isme return nahi milta

Dekhiye dosto ye sab suni-sunayi baatein hai, jo yaha se waha, waha se yaha failti rehti hai! Risk har cheez me hota hai; bas hume ek baat ka hamesha dhyan rakhna hai > “अति बिगाड़े मति”|

Hum har cheez me अति karte hai aur phir nuksan bhugatna padta hai. Isliye risk se dariye mat, लोभ से डरिए| Hum karte ye hai ki bina kuch jaane, bina research kiye ek bada lumsum amount invest kar dete hai aur phir market ke jara se crash ho jaane se ghabra jaate hai.

Jis time pe paise ko market me hold karna chahiye uus sell/withdraw kar dete hai. Dosto mutual fund kabhi bhi ek din me crorepati nahi banata. Time lagta hai lekin achhi sujh-bujh agar ho, tou crorepati jarur ban jaate hai.

Mutual fund in hindi - mutual fund kya hai
Mutual fund in hindi – mutual fund kya hai

Mutual fund se judee kuch buniyadi baatein hai jinhe jaan lene ke baad aap bhi mutual fund investment ke baare me interest lene lagenge. Tou chaliye aaj iss article me main aapko mutual funds ke baare me kuch basic jaankari de deta hu.

Aaj iss article ko padhne ke baad shayad mutual funds ke baare me aapke jo basic questions hai wo solve ho jaayenge. Tou chaliye jaante hai “mutual fund in hindi – purii jankari“|

What is Mutual fund? Mutual fund information in hindi-

Chaliye main aapko ekdum simple simple tarike se example ke sath samjhata hu ki mutual fund kya hota hai?

Mutual fund simply ek investment platform hai like Fixed deposit, MIS, PPF, etc jaha paise invest hote hai. Mutual fund 2 shabdo ke mel se bana hai mutual+fund.

Example-

Mutual fund me ek shabd aata hai ‘fund’. Yaha fund ka matlab for example ek ‘box‘ maan lijiye!

Ab iss box me aap aur aapke 3 friends kuch paise rakhte hai. Yaha aap aur aapke 3 friends investors kehlaate hai.

Ab iss box ko ek aadmi future me manage karega, jise ‘fund manager’ kehte. Ye fund manager uus box me rakhe hue paise ki dekh rekh karega.

Ab jo paise aap 3 friends ne uus box me daala hai uun paiso ko ye fund manager alag alag sectors [public, private] me mutually invest karega.

Phir kuch samay baad jab uun paiso se return/munafa/profit milega, tab ye fund manager uun paiso ko hum 3 friends me baatega.

Tou ye hai mutual fund ki ek basic sii jaankari!

Ab aapke dimag me 2 khayal aa rahe honge-

  • Pehla > fund manager kaun hai
  • Aur wo paiso ko kin kin sectors me invest karta hai
  • Aur wo sectors kaise profit/return dete hai

Tou chaliye aage padhte hai aur jaante hai innke baare me!

Mutual fund में Fund manager कौन है?

Fund manager ka kaam hota hai ek mutual fund me invest hue paise ko equal-ratio me alag alag jagaho me kuch iss tarah se mutually invest karna taaki jyada se jyada return profit milee.

Fund-manager wo person hai jo alag alag market ke sath tally karta hai like public sectors, private firms, stocks, bonds, company shares, assets, etc aur jis sector me opportunity jyada hai waha invest karta hai.

Mutual fund me ek fund manager ki bahut aham bhoomika rehti hai. Wo ek well-qualified aur experienced person rehta hai jo risk management bhi dekhta hai. Wo alag alag strategies apply karta hai, fund ke portfolios maintain karta hai; taaki jyada se jyada profit milee.

  • Personal tip – Aap jab bhi kisi fund me invest kare tou uus fund ke manager ke baare me jaankari le le. Jarurat pade tou previous year ke return jaane, uske portfolio ko achhe se follow kare.

 

 

Fund manager humare fund के पैसो को किन किन sectors में invest करता है?

Jaise ki maine kaha ki fund manager puree market ko tally karta hai aur alag alag jagah mutual fund ke paise ko ek ratio me mutually invest karta hai. Ab ya alag alag sectors bahut se hai like-

# Public sectors

# Private sector

# Pharma

# Construction

# IT

# Agriculture, fertilizers

# Construction, manufacturing industries

 

Ye sectors return profit kaise deti hai?

Dekhiye ye ek puri tarah se alag विषय है जिसके बारे में मैं भी clear नहीं हूँ | लेकिन इतना जरूर कह सकता हूँ की ye sectors humare paiso ko unke alag alag projects me lagati hai. Aur phir jab uun projects se jo munafa hota hai wo humse share karti hai.

Ye puraa system mutually kaam karta hai. Matlab ye sectors jitna munaja kamayegi, utne percentage humare sath share karegi. Isliye ise mutual fund kehte hai!

 

Agar loss hua tou?

Ye sabse important question hai! Chaliye ab ek example se samjhata hu!

Sochiye aapka fund manager aapke fund ke paiso ko inn sectors me invest kar raha hai-

  • IT
  • Pharma
  • Insurance
  • Automobile

Ab upar ke 4 sectors me se agar Pharma aur Automobile sectors loss me jaati hai tou baaki ke sectors hume return deti hai. Ye kabhi nahi hota ki saare sectors ek sath loss me jaaye. Agar ek loss me jata hai tou dusra double profit kamata hai.

Isliye tou maine upar kaha hai ki fund-manager ki bhoomika kaafi aham rehti hai. Pura analysis ek fund-manager ko hii karna padta hai, kaha invest karna hai aur kaha nahi!

 

Tou ye thha mutual fund ke baare me ek basic outline guide! Chaliye ab kuch popular Indian mutual fund platforms ke baare me jaante hai.

Popular mutual fund platforms-

# SBI mutual funds – visit here

# ICICI mutual funds – visit here

# Reliance mutual funds – visit here

# HDFC mutual funds – visit here

# Axis mutual funds – visit here

Final words-

Umeed karta hu ki aaj ka mera ye mutual fund in hindi guide aapko pasand aaya hoga. Aasha karta hu ki aapke mann ke andar chal rahe basic questions solve hue honge.

  • My personal tip – Agar aap phir bhi mutual fund se ghabra rahe hai tou aap SIP (systematic investment plan) me invest kar sakte hai. SIP bhi mutual fund ka hii ek part hai jisme risk mutual fund ke mukaable kam hai.
  • ध्यान रहे म्यूच्यूअल फण्ड को पूरी तरह से मार्केट नियंत्रित करता है  इसलिए इन्वेस्टमेंट से पहले पूरी जानकारी ले|

 

# Kya aapko pata hai credit card ke inn alag alag charges ke baare me – read here

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