Mutual fund ek investment option hota hai jisme bhut sare log apne paise ko sip k jariye invest katre hai us paiso ko fund manager alag alga jgha invest karta hai jasie bond, share, ipo me is se risk low hota hai

Mutual fund kaise kam karta hai ?

Jaise harish ne 500 rupay ki sip kiya monthly or suresh ne bi to sara paisa milkar bada amount ban jata hai jise fund manager companies k share , bond , or government sequriti me invest karta hai jisse risk kam hota hai kyu ki fund manager research krke desison leta hai

Return kaise milta hai ?

Jab share ya bond ka price badhta hai to tab fund net asset value (NAV) badhta h or share ya bond ka price kam hota hai h to net asset value kam hota hai profit or loss market k direction pr depend krata hai long term investment hmesa risk ko kam karta hai

Nav (net asset value ) kya hota hai ?

Hum mutual fund me sip ya lumsum k jaiyre invest karte h to hme uske badle NAV milta hai jaise ki aaj 20 rupay hai to kuch time bad 25 rupay ho skati hai ye market k upar depend karta hai market bullish ya bearish hai to NAV kam Jayada hote rheti hai

Mutual fund k types ?

1. Equity mutual fund – equity mutual fund me stocks me paisa lgta hai isme risk jyada hota hai or return bi jyada milta hai long term k liye best option hota hai
2. Debt mutual fund – isme paisa bond ya government securities me lagta hai isme rism kam hota hai or return bi stable milta hai safe return chane walo k liye beat option hota hai
3. Hybrid mutual fund – Equity + debt dono me invest krte hai jisse risk return balanced rheta hai