Kya aap bhi nivesh karna chahte ho, par ek saath bada paisa nahi hai? To SIP aapke liye ek aasan raasta ho sakta hai. Is post mein hum samjhenge ki SIP kya hai, kaise kaam karta hai, aur 15, 20 aur 25 saal mein ek chhoti si SIP kitni badh sakti hai.
SIP kya hota hai?
SIP (Systematic Investment Plan) mein aap har mahine ek tay rakam mutual fund mein lagate ho, jaise ₹500, ₹1,000 ya ₹5,000. Ye rakam aapke bank account se apne aap kat jati hai. Ek saath bada paisa lagane ki zaroorat nahi padti.
SIP kaise kaam karta hai?
Aap jo rakam lagate ho, usse mutual fund ki kuch units mil jati hain. Jab bazaar neeche hota hai to usi rakam mein zyada units milti hain, aur jab upar hota hai to kam. Is tarah lambe samay mein aapki kharid ki average keemat santulit hoti hai. Isse Rupee Cost Averaging kehte hain.
SIP ke 5 bade fayde
- ₹Chhoti shuruaat: kai fund ₹500 se SIP shuru karne dete hain.
- ✓Anushasan: har mahine nivesh ki aadat ban jati hai.
- ~Bazaar ko time karne ki tension nahi: "kab kharidein" sochna nahi padta.
- %Compounding ka fayda: lambe samay mein returns par bhi return jud sakta hai.
- ↕Flexibility: rakam badha, ghata ya SIP rok sakte ho.
15, 20 aur 25 saal mein SIP kitni badh sakti hai?
Maan lo aap har mahine ₹5,000 ki SIP karte ho. Neeche diya gaya hisaab do maane hue (assumed) saalana returns, 10% aur 12%, par based hai.
| Avadhi | Kul nivesh | 10% par anumanit rakam | 12% par anumanit rakam |
|---|---|---|---|
| 15 saal | ₹9 lakh | ₹20.9 lakh | ₹25.2 lakh |
| 20 saal | ₹12 lakh | ₹38.3 lakh | ₹50.0 lakh |
| 25 saal | ₹15 lakh | ₹66.9 lakh | ₹94.9 lakh |
₹5,000 mahine ki SIP: kul nivesh aur 12% par anumanit rakam
Samay sabse badi taakat hai. 20 saal se 25 saal tak sirf 5 saal aur ruko, to nivesh sirf ₹3 lakh badhta hai, par 12% ke anumaan par rakam lagbhag ₹44.9 lakh aur badh jati hai. Isliye jitna jaldi shuru karoge, compounding ko utna zyada samay milega.
SIP kaise shuru karein?
- KYC poora karein. PAN, Aadhaar aur bank details ready rakhein.
- Fund chunein. Apne lakshya, samay aur jokhim (risk) ke hisaab se.
- SIP shuru karein. Rakam aur har mahine ki tareekh tay karein.
- Review karte rahein. Samay-samay par apne fund aur lakshya ko dekhein.
Demat account kyun zaroori hai?
Share bazaar mein seedha nivesh karne aur apne saare nivesh ek jagah dekhne ke liye demat account kaam aata hai. Nivesh ki shuruaat ke liye ye ek zaroori kadam hai.
Aaj hi nivesh ki shuruaat karein
Kuch hi minute mein apna demat account kholne ki process shuru karein.
Abhi apna Free Demat Account kholeinNishkarsh
SIP chhoti rakam se bade lakshya tak pahunchne ka ek anushasit tareeka hai. Aaj ₹500 ya ₹5,000 se shuruaat karo, aur samay ko apna kaam karne do. Shuru karne ka sabse accha samay aaj hai.
Disclaimer: Mutual fund nivesh bazaar jokhim ke adheen hota hai. Nivesh karne se pehle scheme se jude saare dastavez dhyan se padhein. Is post mein diye gaye 10% aur 12% returns sirf maane hue udaharan hain, ye kisi scheme ke asli ya bhavishya ke returns ki guarantee nahi hain. Pichhle pradarshan se bhavishya ke return ki guarantee nahi milti. Ye post sirf shiksha ke liye hai, nivesh salah nahi.
Educational information, not personalised advice. For help choosing a plan, contact Wealth Score.