Duniya me anek tarah ke myths hote hain. Unme se ek category hai finance ki. Aaiye jaane ki:
Myths kya hote hain?
- Myths vo stories hoti hain jo samay ke sath sath, generation (peedhi) by generation, pass on hoti hain. Ye generally aisi baatein hote hain jo society believe karti hai. Magar yeh zaroori nahi hai ki in stories ke peeche koi factual (vaastavik) reason ho, ya fir aisa reason ho jo sahi hai. Aur aksar, ye myths kisi dar ki vajah se hi shuru hote hain.
Finance se related aise kaun kaun se Myths hain? Aiye unhe todte hain
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Jab savings ki baat aati hai, hume best results paisa Fixed Deposit (FD) me rakhne se milte hain
Sab ye maante hain ke FD sabse best aur safe investment option hoti hai. Lekin, aise aur bhi bahut investment options hote hain jinse hum apna portfolio develop kar sakte hain. In investment options mein mutual funds, stocks, gold jaise products aate hain.
Invest karte waqt hume in factors ko consider karna chahiye:
Kitne time ke liye invest kar rahe - time horizon
Invest karne wale ki profile - age, income kitna stable hai etc.
Invest karte waqt ya nikaalte waqt ke Charges/ fees (shulk)
Ye saare factors consider karke hume apna paisa invest karna chahiye.
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Hume Credit Cards nahi use karne chahiye
Log aisa isliye sochte hain kyonki unhe lagta hai ki Credit Cards se hum debt me aa sakte hain. Magar aisa tabhi hota hai jab hum Credit Card ki payment time par na kar paayein. Ek baar hum sahi se Credit Cards use karna shuru kar dein, aur pehle se apni financial planning karke rakhe, to hum time par amount bhar paayenge. Aur hume yeh bhi realise hoga ki Credit Cards humare liye rewards, ya emergency ke time par payments ka option, jaise benefits bhi lekar aate hain. Aur yaad rahe, time par payments karne se hum hamara Credit score bhi badhaate hain jissey hamare liye loans lena lkaafi aasan ho jata hai.
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Hume tabhi invest karna chahiye jab hamare paas zyada paisa ho
Agar hume investment shuru karni hai, to hume chhote amount se shuru karna chahiye. Yeh bilkul bhi nahi sochna chahiye ki agar humare paas amount kam hai to hum invest hi nahi karenge. Jitni jaldi hum investment shuru karte hain, utne hume benefits (faayde) milte hain. Na sirf hume compounding ki vajah se zyada behtar results milte hain, but hum investments ke sath aaye hue risks ko behtar tareeke se manage kar paate hain.
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Emergency funds ki koi zaroorat nahi hoti
Agar aapke paas emergency ke liye amount saved nahi hoga, to emergency ke time par aap loans ya amount udhaar lene ke options ko choose karenge. Behtar hoga ki aap bure waqt ke liye bhi plan karke chalein aur apni income me se ek chhota sa amount thode thode time mein usme add karte rahein.
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Keemti metals jaise Gold me invest karna kaafi hota hai
Hum log sadiyon se Gold me invest karte aa rahe hain aur hume yeh bataya jaata hai ki Gold ko bacha kar rakhna chahiye. Magar sirf Gold me invest karna kaafi nahi hota. Instead, agar aap Mutual funds, stocks, FD jaise cheezo me invest karte hain, to aapko returns better milte hain.
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Retirement ke liye planning 40 ki umar me karni chahiye
20s me agar aap apni retirement ki planning shuru karte hain, to aap zyada risks le sakte hain and compounding ke benefits enjoy kar sakte hain. Also, 20s me, aapki financial responsibilities kam hoti hain. To aapka financial burden bhi kam hota hai.
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Apni money problems doosron se share nahi karni chahiye
Haan, financial issues ko hum me se kaafi log ek personal cheez maan kar chalte hain, jo galat nahi hai. Magar, jab aap kisi se apne issues ke baare me baat karte hain, to chances are aap apni problems jaldi solve kar paate hain. Aap yeh bhi realise karte hain ki aap akele nahi hain jo aisi situations ko face karte hain.