Aksar humein ye sawaal pareshan karta hai ki invest karna shuru karein to kab. Aakhir investment shuru karne ki koi age hoti hai kya?
Is sawaal ko answer karne se pehle, jaanenge ki
Aur fir baat karenge
Investment kya hoti hai?
Invest karne ka seedha saadha matlab hota hai kisi cheez me apna time, money, and resources lagana taaki future me hume ussey kisi tarah ka laabh ho sake.
Jaise, hamare parents hamari education (padhai) me invest karte hain. Ve apna time, energy, aur money lagaate hain taaki aage jaa kar hum apne pairon par khade ho sake aur ek well-educated (padhe-likhe) human being ban sakein. Isi tarah se aap jab kisi cheez me invest karte hain, to aap bhi chahte hain ki jo bihi resources (sansaadhan) aap laga rahe hian, ussey aapko hopefully future me profit ya kisi tareeke ka benefit mile.
Financial investment ki baat karein to hum kisi cheez me apna paisa invest karte hain taaki future me, humein ya to vahi lagaya hua paisa vapas mile ya fir usse koi na koi profit ho.
Investment kin kin types ki hoti hai?
- Real estate
- Stocks
- Gold
- Fixed Deposits
- Recurring Deposits
- Provident Funds
- Mutual Funds, etc.
Investment seekhna easy nahi hota. Magar hum jitna isey practice karte hain, utni hamari knowledge badhti hai aur hum better tareeke se invest kar paate hain.
Invest karne ke kya fayde hote hain?
- Investment Financial independence sikhati hai
- Agar aapka goal hai retirement ki planning karna to ye aapko ek behtar retirement plan banane me madad karti hai
- Iska profit humein emergencies me bhi kaam aata hai
- Fixed deposits jaise investment options aapke amount ko safe rakhte hain
- Jin investment options mein aapko zyada returns milte hain aapka paisa increase kar sakte hain
- Investment aapki income ka ek secondary (madhyamik) source ban sakta hai. Kuch cases me Primary (mukhya) bhi
- Aapke loans ko chukane me aapki help kar sakta hai
- Aap issey generate hue profit se apni fees bhi pay kar sakte hain
Kitni jaldi investing shuru karein?
Warren Buffett investment world ki ek jaani maani hasti hain. Jo log investment ke baare me jaanana chahte hain, aksar inki story aur inke batae lessons se seekh lete hain.
Warren Buffett ne 11 saal ki age me apne pehle stock me invest kara tha. Unhone kuch samay baad paisa share market se nikaal lia tha jissey unhe thoda bahut munafaa to hua tha. Magar Buffett ko yeh realise hua ki agar vo thoda aur samay tak us stock me paisa lagaye rakhte, to unko profit kayin zyada hota.
Bhale hi unse ye galti hui, magar unhone invest karna nahi chhoda. Aur aaj dekhiye, unki salah duniya me kitne sare log follow karte hain.
Warren sirf ek aise example hain jinhone kam umar se hi invest karna shuru kar diya tha.
Jaldi investment shuru karne ke kaafi fayde hote hain:
- Hume behtar returns milte hain
- Hum kaafi kuch seekh jaate hain
- Yeh hume paisa save karna sikhata hai aur sath hi use behtar tareeke se kaise save kar sakte hain, yeh bhi sikhata hai
- Jaldi investing shuru karne se hume compounding ka fayda hota hai
- Hamari risks lene ki kshamta badh jaati hai aur hum jaise jaise invest karte hain, behtar risks le paate hain
To fir kis age par aapko investment shuru karni chahiye?
Maybe, agar hume school me hi financial literacy ke baare me sikhaya gaya hota to hum me se bahut se log ek alag tarah ki zindagi jee rahe hote. But, abhi bhi deri nahi hui hai. Agar aapko lagta hai aap invest karne me interested hain, chaahe aapko kuch bhi na pata ho investment ke baare me, to aaj hi shuruaat kijiye. Iske liye aapki age koi barrier nahi hai.
Agar aap aise investment options me invest karna chahte hain jo banks issue karte hain, aapko sirf ek bank account chahiye aur jis amount se aap invest karna chahte hain, utna amount.
Invest karne ke liye kin baaton ka dhyaan rakhein?
- Hamesha ek financial goal ke sath invest karein
- Dhyaan rakhein ki kayin investment options me risks hote hain aur zaroori nahi hai hamesha aapko better returns milein
- Apne financial goals ko time ke sath sath assess karte rahe. Agar ek financial option aapko manchaahe results nahi de pa raha, aap apna tareeka change kar sakte hain
Kis amount ke sath invest karna shuru karein?
Humein lagta hai ke invest karne ke liye hume ek badi rakam ki zaroorat padti hai. Aisa nahi hai. Aap chhoti rakam ke sath bhi invest karna shuru kar sakte hain. Agar aapka ek financial goal hai, let’s say aapko 50 ki umar tak Rs. 50 lakh chahiye, to aap yeh bhi dekh sakte hain ki us goal tak pahunchne ke liye aapko kitna amount har saal ya mahine me invest karna hoga aur is tarah se shuru kis amount se karna hai, yeh bhi aap aasani se dekh sakte hain.
Apni investment journey kaise shuru karein?
Investment ek long process hai jisme bahut sari learnings hoti hain. To agar aap shuru karna chahte hain, chhote amount se shuru kijiye magar shuru kijiye. Aapko apni saari savings lagane ki zaroorat nahi hai. Ek chhota amount har mahine kijiye invest. Aur jab aapko lage aap ready hai bada amount invest karne ke lie, go for it.
