Systematic Investment Plan (SIP) Kya Hai?

Disciplined investing: SIP helps investors to invest regularly and in a disciplined manner, irrespective of market conditions.

 

SIP yaani Systematic Investment Plan, ek aisa vyavasthit tarika hai jisse log apne paiso ko samriddhi se invest kar sakte hain. Yeh ek aesa tareeka hai jisse aap lambi avadhi tak nivesh kar sakte hain aur aapke paiso ko aage badhane mein madad karta hai. SIP, bharat mein chayanit nivesh vikalpon mein se ek hai, jisse lakho log apne vyaktigat aur vyavsayik lakshyon ko haasil karne ke liye istemal karte hain.

 

SIP में निवेश करने के लिए, आपको सबसे पहले एक म्यूचुअल फंड स्कीम का चयन करना होगा। उसके बाद, आपको यह तय करना होगा कि आप कितनी राशि का निवेश करना चाहते हैं और कितनी बार निवेश करना चाहते हैं। एक बार जब आप यह तय कर लेते हैं, तो आपSIP पंजीकरण करवा सकते हैं।

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SIP Kaam Kaise Karta Hai?

SIP kaam karne ka tareeka kaafi saral hai. Ismein ek vyakti niyamit roop se ek niveshak ke roop mein paisa jama karta hai. Is tarah se, woh apne nivesh ko avadhi ke dauraan badhne ka mauka paate hain. Har mahine, ya fir har trimester ya varsh, vyakti ek fixed raashi ko nivesh karte hain. Is tarah se unka paisa dhire-dhire nivesh kiya jata hai.

Is nivesh ko vyavasthit tareeke se kiya jata hai taaki vyakti ko paisa barabar mil sake, chahe bazaar mein ups and downs aaye ya fir arthik sthiti mein badlav ho. Is prakar, SIP ek surakshit aur samriddh nivesh vikalp hai.

SIP Ke Fayde

Compounding: SIP allows investors to benefit from the power of compounding, which can help to grow their wealth exponentially over the long term.

1. Suraksha

 

SIP, surakshit nivesh ka ek accha udaharan hai. Ismein vyakti apna paisa alag-alag tarikon se nivesh kar sakte hain, jaise ki equity funds, debt funds, ya fir hybrid funds mein. Is prakar, vyakti apne risk level ke anusar nivesh kar sakte hain.

2. Nivesh Ki Avadhi

SIP ki sabse badi fayda yeh hai ki ismein vyakti lambi avadhi tak nivesh kar sakte hain. Iske karan unka paisa lambe samay tak badhne ka mauka milta hai.

3. Regular Nivesh

Ismein vyakti niyamit roop se nivesh karte hain, jo unki bachat ko badhane mein madad karta hai. Isse vyakti apni bachat ko discipline se badha sakte hain.

4. Tax Bachat

Kuch SIP schemes tax bachat ka bhi fayda deti hain. Yadi aap apne nivesh ko lambi avadhi tak rakhte hain, to aapko adhik tax bachat mil sakti hai.

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SIP Kaise Shuru Karein?

SIP shuru karne ke liye aapko kuch aasan kadam follow karne honge:

1. PAN Card: Sabse pehle, aapko ek Permanent Account Number (PAN) card ki avashyakta hogi, jo income tax department dwara jari kiya jata hai.
2. Bank Khata: Ek bank khata kholen, jisse aap SIP ke liye istemal kar sakte hain.
3. Niveshak Chayan: Apne liye ek sahi niveshak chunen, jo aapke lakshyon aur risk profile ke anukool ho.
4. SIP Scheme Chayan: Apne niveshak ke saath milkar ek sahi SIP scheme chunen, jo aapke liye upyukt ho.
5. Nivesh Ki Raashi: Aapko decide karna hoga ki aap kitni raashi SIP mein nivesh karenge. Isse aap apni aarthik sthiti ke anukool nivesh kar sakte hain.

Here is a list of the best performing SIP mutual funds in India, based on their 5-year returns:

• Quant Tax Plan Direct-Growth
• Quant Active Fund Direct-Growth
• Quant Infrastructure Fund Direct-Growth
• BOI AXA Small Cap Fund Direct-Growth
• Edelweiss Government Securities Fund Direct-Growth
• HDFC Credit Risk Debt Fund Direct-Growth
• Mirae Asset Large Cap Fund Direct-Growth
• Edelweiss Large & Mid Cap Fund Direct-Growth
• PGIM India Flexi Cap Fund Direct-Growth
• DSP Flexi Cap Fund Direct-Growth
• Canara Robeco Emerging Equities Fund Direct-Growth
• Sundaram Focused Fund Direct-Growth

This list is based on past performance, and it is important to note that past performance is not indicative of future results. You should always consult with a financial advisor before making any investment decisions.