Inn Sabhi Tarah Se Aap Kar Sakte Hain Investment, Market Mein Available Hain Yeh Sabhi Options

Apne future ko safe aur secure banaye rakhne ke liye har koi thodi bahut saving karta hai. Lekin kabhi kabhi log confuse hote hain ki unhein  kis field mein investment karna chaiye jis se unhein jyada se jyada profit ho sake. Aise hi kuch investment option aaj hum aapke liye le kar aaye hain. Jo aapko behtar investment options choose karne mein help karege.

 

1. Stocks / Shares 

 

Kuch nayi companies apne behtar start-up ke liye apni company ke stocks ko sale karti hain. Jahan aapko unhe khareedne ka mouka diya jaata hai. Yeh stocks 2 tarah ke hote hain, common stock aur preferred stock. Common stocks ki conditions mein  aapko share ke liye vote karne ka right hota hai aur yahan aap stock ke shares mein kuch percentage ke hakdaar hote hain. Wahin preferred stocks ki condition mein aap shares ke kuch percentage ke hakdaar to hote hi hain lekin aapko vote karne ka right nahi hota hai. Dono hi stocks ki situation mein aapko return aur risk alag alag milte hain. Kabhi kabhi yeh stocks alag alag elements se effect hote hain jaise economy, politics ya company ka market mein representation. Yeh sabhi elements company ke stocks ko up ya down karne mein kaafi major role play karte hain. Islye aapko stock khareedne se pehle company ke baare mein bhi poori jaankar le leni chiaye.

 

2. Bonds 

Bonds ek tarah ka loan amount hota hai jo ki aap kisi government agency ya company ko ek fix time ke liye dete hain. Jis ke dauraan wah company ya agency aapko fix time ke baad uss bond amount par ek interest payment deti hai. Yahan par interest amount bond donor ke according set kiya jata hai. Jise coupon rate kahte hain. Yeh coupon rate variable aur fixed dono tarah ki ho sakti hai. Lekin market ke andar yeh bond credits bhi risk ki situation mein bane rahte hain. Lekin stocks ke compare mein aapko yahan kam risk uthaana padta hain.

 

3. Investment Funds

Investment funds mein investors ke amount ko alag alag tarike se pool kiya jaata hai. Inn funds ka receiving method bhi alag ho sakta hai. Jinmein mutual funds, exchange traded funds, closed ad funds shaamil hote hain. Kuch funds ke saath shares ko nahi khareed sakte hain. Diversification aur professional management ke through aap funds ko market mein divide kar sakte ho. Invest kiye gaye fund ki present value uski future value se kaafi alag ho sakti hai. Jahan iske vary hone ke kaafi chances hote hain.

 

4. Life Insurance 

Aaj ke samay mein life insurance ek financial planning ka hi part ban gaya hai. Jahan yeh life insurance aapko alag alag tarrah ki policies provide karti hain. Jahan aapko term life, whole life aur universal life insurance ki policies ke option milte hain. Yeh sabhi insurance policies ke andar kuch terms and conditions bhi di jaati hain jin ke base par aapko future return diya jaata hai. Life insurance ki condition mein aapko baaki sabhi investment ke compare mein kam risk lena padta hai.

5. Property /Real Estate 

Property mein investment karna hamesha se hi acha option raha hai. Jahan aap residential, commercial ya individual property mein investment kar sakte hain. Yeh poori tarah se secure investment maani jaati hai. Lekin yahan aapko property ki actual value aur best return time calculate karna aana chaiye. Real Estate purchasing ki condition mein aapk0 minimum 30-50% amount initially invest karna padta hai.

6. Gold 

Yahan sabhi ki choice thodi alag ho sakti hai, kyun ki har kisi ke liye gold ek investment option nahi hota hai. Lekin Choonki gold ek commodity hain islie yahan risk ke chances kam ho jaate hain. Gold investment ke liye aap raw gold ya gold brick mein invest kar sakte hain. Gold ki prices mein drop aur raise hona market ki economy aur demand par bhi depend karta hai.

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About the Author: Prachi Kulshrestha

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