Yudh (War) ke halaat kisi bhi desh ke liye dukhdayak hote hain, lekin ek niveshak (investor) ke taur par, ye waqt darr aur uncertainty se bhara hota hai. Jab news channels par geopolitical tensions ki khabrein chalti hain, toh share market mein laal nishaan dikhne lagta hai. Aise mein har investor ke dimaag mein ek hi sawal hota hai: “Kya War ke dauran invest karna sahi hai?” ya share sell karke loss mein exit kar lein.
Aaj is blog mein hum expert ki raye ke saath detail mein baat karenge ki war ke dauran aapko kya karna chahiye aur Mutual Funds vs Stocks mein se kaunsa behtar option hai. kisme loss hoga aur kisme profit aiye vistar se jante hai.
1. Itihaas ki Nazar se: Kya War ke dauran invest karna sahi hai?
Market ka ek purana usool hai: “Buy on cannons, sell on trumpets.” Iska matlab hai ki jab yudh ki aahat ho toh kharidari karein. Agar hum pichle 100 saalon ka data dekhein, toh samajh aata hai ki expert ki raye hamesha long-term nivesh ke paksh mein kyun hoti hai. war se phele jo share apko ₹500 ka mil raha hota hai, wahi war ke time mein wahi share apko ₹250 mein mil sakta hai, isliye hmesha long term investment ka soche Aur deep mein buy kare. isse aap average bhi kar sakte hai price ko.
- World War II: Market shuruat mein gira, lekin war khatam hone tak recover kar gaya.
- Russia-Ukraine War: Indian market mein girawat aayi, lekin 6 mahine ke andar recovery dekhi gayi.
Isliye, sawal ka jawab ki “Kya War ke dauran invest karna sahi hai?”—haiderabad se leke New York tak ke experts ka jawab ‘Haan’ hota hai, basharte aapka nazariya lamba ho.
2. Mutual Funds vs Stocks: Expert ki Raye
Jab yudh ke halaat ho, toh nivesh ke tarike badal jaate hain. Yahan humne dono ka mukabla kiya hai: jab market deep mein ho aap invest kar sakte hai mera manna hai ki is time mein apko ₹500 ka share ₹200,₹250 mein mil jata hai.
Direct Stocks mein Nivesh
Stocks mein risk zyada hota hai. Agar aap kisi aisi company mein hain jiska business war zone se juda hai, toh aapka paisa doob sakta hai. Lekin, expert ki raye ke mutabik, Blue-chip stocks mein girawat ek sunehra mauka hoti hai. agar aap naye hai is field mein ya invest karne ka soch rahe hai to apko advisor ki salah lena chaiye.
Mutual Funds mein Nivesh
Expert ki raye hamesha beginners ke liye Mutual Funds ki hoti hai. Isme diversification milta hai. Agar ek sector girta hai, toh dusra use sambhaal leta hai. Aur mutual fund mein fund manager hota hai jo fund ko manage karta hai isliye apka risk isme kam hota hai.
3. War ke dauran kahan invest karein? (Expert Strategy)
Agar aap soch rahe hain ki kya war ke dauran invest karna sahi hai, toh in 3 jagaho par dhyan dein:
- Gold (Safe Haven): Yudh ke waqt sona hamesha mahanga hota hai.
- Large Cap Mutual Funds: Inme stability zyada hoti hai.
- Defensive Sectors: Pharma aur FMCG jaise sectors yudh se kam prabhavit hote hain.
4. Hum Example se samjhte hai ki war mein bhi kyu invest karna chaiye?
kuch log hote hai jo war jaise time par panic hokar apna share ya mutual fund se paisa withdraw kar lete hain, jo ki nahi karna chaiye.
Stocks
| stock | price (war se phele price ) | current price |
| IREDA | ₹250 | ₹133 |
war se phele apko yahi share, ₹ 250 ka milta jo war ke bad ₹133 mein mil raha hai aur long term investment ka soche war katham hone par ye stock bhut fast recover karega.
Mutual fund: timing ka power.
ek investor ne corona mein jan 2020 mein, jab duniya corona ki khabar se darr rahi thi tab ₹12 lakh invest kiya tha aaj o paisa (redemption ko mila kar) 6 saal me lagbhag ₹20lakh ban chuka hai.
NAV Growth:
NAV ₹147 se badhkar ₹304 ho gayi hai, yaani investor ka paisa 6 saal mein double se bhi jayad reuturn diya hai.
Panic vs Patience:
is statement se pata chalta hai ki jisne yese situation mein panic nahi kiya aur apna paisa invest kiya unhe market recover ka pura fayda mila.
partial withdrawal ki suvidha:
investor ne bich mein zarurat ke hisab se ₹7 lakh nikalne ke bad bhi bache hue balance ki value aaj initial investment se jayada hai.
Frequently Asked Questions (FAQs)
Q1. Kya yudh (war) shuru hote hi mujhe apna saara Mutual Fund paisa nikal lena chahiye? Jawab: Bilkul nahi. Itihas gawah hai ki yudh ke shuruati dino mein market panic mein girta hai, lekin kuch hi samay baad recover ho jata hai. Agar aap apna paisa nikal lete hain, toh aap apna “notional loss” (kagazi nuksaan) “real loss” mein badal denge. Expert ki raye hai ki long-term goals ke liye nivesh jaari rakhein.
Q2. War ke dauran Stocks aur Mutual Funds mein se kaunsa zyada safe hai? Jawab: Mutual Funds zyada safe maane jaate hain kyunki wo diversified hote hain. Ek single stock yudh ki wajah se 50% tak gir sakta hai, lekin ek Mutual Fund portfolio mein kai sectors hote hain jo risk ko balance kar dete hain.
Q3. Kya war ke waqt SIP (Systematic Investment Plan) ko rok dena chahiye? Jawab: Nahi, balki yudh ke waqt market girne par SIP ko chalte rehne dena chahiye. Is samay aapko kam daam par zyada Units milti hain (Rupee Cost Averaging), jo market recover hone par aapko behtar returns deti hain.
Q4. Yudh ke samay market crash mein nivesh karne ke liye sabse acche sectors kaunse hain? Jawab: Expert ki raye ke mutabik, defensive sectors jaise Pharma, FMCG, aur IT mein girawat kam hoti hai. Iske alawa, Gold aur Crude Oil se jude assets mein tezi dekhi jati hai.
Q5. Agar yudh lamba chale toh mera portfolio kitna safe hai? Jawab: Agar aapne acche quality ke Blue-chip stocks ya Diversified Mutual Funds mein nivesh kiya hai, toh aapka portfolio safe hai. Market short-term mein volatility dikhata hai, lekin long-term (5-10 saal) mein hamesha upar hi jata hai.
Q6. Kya war ke waqt nivesh karne ke liye Gold ek accha option hai? Jawab: Haan, Gold ko “Safe Haven” asset maana jata hai. Jab duniya mein instability hoti hai, toh investor equity se paisa nikal kar Gold mein lagate hain, jisse iski kimat badhti hai. Apne portfolio ka 10-15% Gold mein rakhna sahi strategy hai.
Agar apke mann mein investment ko lekar koi sawal hai to aap hame comment karke sidha puch sakte hai.
5. Conclusion: Janiye Expert ki Raye ka nichod
Ant mein, sawal wahi rehta hai: Kya War ke dauran invest karna sahi hai? Jawab hai ki yudh market ke liye ek “temporary hurdle” hai. Itihas gawah hai ki market hamesha yudh se bada raha hai. Agar aap discipline ke saath invest karte hain, toh yahi wo waqt hota hai jab “Wealth” banti hai. Sahi fund selection ke liye hamesha apne distributor ki salaah lein.
Disclaimer:
Disclaimer: Mutual Fund investments are subject to market risks, read all scheme related documents carefully. The views expressed in this blog are for educational purposes only and do not constitute personal financial advice. Past performance is not an indicator of future returns. Please consult your financial advisor before making any investment decisions. Aditya | SEBI-registered Mutual Fund Distributor | ARN-356126
Leave a Reply