Jab bhi finances ki baat hoti hai, hume kaafi log advice dete hain. Aisi advice generally aise myths hote hain jo humein financially grow hone se rokte hain. Zaroori nahi hai ki aise myths practical ho, ya hamare liye sahi ho, ya fir in sab me hum believe karein.
Ye savings aur investments ke concepts mushkil ho sakte hain samajhne magar sath hi confusing bhi. Aaj, hum discuss karenge financial growth ke in dono muddon ke baare me and jaanenge ki dono me kab kab paisa daalna chahiye.
Savings kya hoti hain?
Savings yaani bachat, hamari income ka vo hissa hoti hain jo income me se kharcha karne ke baad bach jata hai. Simply bole to vo income ya vo amount jo humne bachaya hai. Maano hum monthly INR 30,000 kamate hain and sab kharche karne ke baad hamare paas INR 3,000- INR 4,000 bach jaate hain toh hum usko har mahine ki savings bolte hain.
Investment kya hoti hai?
Jab hamare paas paise bachte hain aur hum usko kisi aisi cheez mein lagate hain jo hamare paise ko aage badhane ka kaam kare – hum use investment kehte hain. Maano agar hamare paas INR 10,000 savings hai and humne us ko gold, stocks, mutual funds, fixed deposit aise kisi madhyam mein rakha toh usko investment kaha jaata hai.
Save ya Invest karne ki kyo zaroorat hoti hai?
Pehle baat karte hain save karne ki:
- Savings hume vo amount provide karti hai jo hum emergencies me use kar paate hain. Agar hamare paas amount saved hoga to emergencies me humare paas support already hoga.
- Jab hamare paas money saved hota hai, to hume ek independence milti hai aur hum usko apni zaroorat ki cheezo ke alawa bhi kharch kar sakte hain.
- Savings hume ek security ya safety vali feeling bhi deti hai.
- Aap apne bachaye gaye amount se koi mehengi cheez aaram se le sakte hain aur loan leni ki zaroorat kam padti hai.
- Hamare paas jab amount saved hota hai, to hum financially doosro ki madad bhi kar paate hain.
- Lastly, savings hamara financial stress kam karti hai.
Savings ke saath saath agar hum Invest kare toh hume ye aur fayde bhi hote hain.
- Kyunki investment hum ek lambe time ke liye karte hain - hume behtar return milne ki jyada chances hain.
- Lambe samay se invest karne pe - paisa compound hota hai - jo investment return aata hai wo khud aur return deta hai.
- Investments hume emergencies ki situations me support karti hai.
Saving aur Investing me farak kya hai?
Jab hum apne bachaye hue paiso (savings) ko ek samay ke liye nivesh karte hain – tab wo investment ban jaata hai. Iska matlab ke savings hi investment ka roop leti hain. In dono ke baare mein kuch aur points:
- Investment generally ek time period ke liye karte hain - jaise ki 3 mahine, 3 saal.
- Investment do tareeke ke hote hain - fixed return (jaise ki fixed deposit, recurring deposit, bonds, PF) ya non fixed return (jaise ki gold, stocks, mutual funds)
- Fixed return investment mein hume pehle se pata hota hai ke har saal kitna return/ interest milega. Non fixed return mein return vary karta hai and kabhi kabhi loss bhi ho sakta hai.
- Non fixed return wale investments achi jaankari aur market research karne ke baad hi karne chahiye.
Kab kab Save kare aur kab kab Invest?
Yaad rakhiye ki savings, investment se tulna me, ek surakshit raasta hota hai. Yaha risk kam hota hai. Magar sath hi, interest jo aapko milna hota hai, vo bhi kam hota hai.
Savings aur investment dono hi aapki financial growth me help karte hain. Magar kab save aur kab/kahaan invest karna hai yeh decide karne se pehle dono ke differences aur acche aur bure points samajh lein. Dono options aapko benefits bhi dete hain.
Aap apne short-term aur long-term goals, apni priorities, aur situation ke hisaab se faisla le sakte hain. Chaahe to dono ke combination se bhi apni financial journey ko aage badha sakte hain.
