Amir banane ke liye apnaye bachat ke yeh tarike.

savings ke tarikeKharch ki koi seema nahi hain. Lekin, ek baar aap bachat karna seekh jaye to life ki kai problems se bacha ja sakta hain. Jaroori nahi hain ki aapki salary jyada ho tab hi aap bachat ke baare mein soche. Chhoti shuruvat se bhi badi poonji jutaayi ja sakti hain. Kai baar hamare paas paise hote hain, Lekin hum yeh decide nahi kar pate hain ki paise kaha invest kiye jaye. Hum aapko bata rahe hain , Nivesh ke chhote aur asaan tarike, jinke jariye aap savings to karenge hi, amir bhi ban jayenge.

Itni si saving aur juta sakte hain khoob saara paisa

Agar aap har mahine 3200 rupees ki saving karte hain aur iss rashi par aapko 10% se return milta hain  to 30 years mein aapke paas 72 Lac 94 Hazaar rupaye ho jayenge.
In Cheezon ko samjhne ke baad kare nivesh

Nivesh ka option jaroorat ke mutabik choose kare. Maslan , Monthly Requirements, aap ki age, Salary , risk profile aur Investment ke plan. Sabse jaroori hain ki kitne returns ki aap umeed kar rahe hain. Yeh samjhne ke baad decide kare ki short term yaa long term mein  invest karna hain.

 Bachat ke liye alag saving Account

Bachat ki rashi ko salary account mein rakhne ki bajaye dusre account mein rakhe. Uss paise ko alag-alag jagah nivesh kare. Post Office aur Banks ki different Saving scheme iska sabse asaan aur safe option hain. Iske saath hi share market, mutual fund, PPF, Insurance aur LIC sabse best return dene vale options hain.

aayiye dekhte hain kaise aap apni savings ko badha sakte hain aur aap kaha-kaha invest kar sakte hain. 

1. PPF Account:- Aap Salary person ho ya Businessman. Apni bachat ka lag-bhag 25% long term me nivesh kare. Long term mein Public Provident Fund, Provident Fund aur Life Insurance good hain. PPF aur PPF schemes mein mauzooda samay mein 8% Annual return mil raha hain.

2. LIC :- LIC mein kai Scheme hain. Inmein Bimari, Accident, Loan Suvidha cover hone ke saath-saath pripvakta mein moti rashi mil jati hain. LIC mein 5% se 7% tak return milta hain. Isse aap khud aur apni family ko surkshit rakh sakte hain. Family par pressure nahi padta hain. Bacchon ki study, Bimari, Marriage jaise kaam hone par dhan rashi milti rahti hain.

3. Share Market :- Yeh sector invest ke liye High risk aur high return vala hain. Halaki share market mein kai companies aisi hain jo invest ke liye safe mani jati hain. Jaise Banking Sector, Power Sector, IT Sector, Auto Sector aadi. Banking mein SBI, HDFC, ICICI, IDBI aadi acchhe shares mein gine jate hain. Power sector mein NTPC, IT mein Infosys, Wipro, TCS, Metal mein Hindalco, Tata Steel , Tisco, Auto Sector mein Maruti, Textile mein Reliance Industries aadi behtar vikalp mane jate hain.

4. Gold mein nivesh:- Gold, Silver nivesh ke hisab se  behtar sabit hote aaye hain. Halaki kuch samay se Ismein acchha return nahi mil raha hain. Lekin Market Experts Long Term ke hisab se ise acchha option mante hain. Isme aap apni bachat ka 15% se 25% hi nivesh kare to hi acchha hain.

5. Mutual Fund:- Yeh Systematically Investment Plan hain. Isme investor money direct na laga kar Fund Manager ke madhyam se lagata hain. Ismein aap har month apni saving ke hisab se dhan laga sakte hain. Har saal 12% se 15% tak return mil jata hain. Lekin ismein bhi thoda risk hota hain, kyonki yeh market par nirbhar hota hain.

6. Recurring aur Fixed Deposit :- RD Account mein bhi nivesh kiya ja sakta hain. RD mein bhi good returns milti hain. Iske alawa Fixed Deposit ka bhi acchha option hain. Lekin saara paisa Fixed Deposit mein mat lagaye. Kyonki achanak jaroorat padne par agar aap FD ko todte hain to kam byaaz milta hain. Saath hi kabhi-kabhi bank penalty laga dete hain.

7. Property mein Invest :- Real Estate acchha vikalp hain. Lekin isme nivesh karne se pahle vartman halat ko dekh lena chahiye. Koshish kare ki bahut mehngi property na ho. Kyonki kabhi-kabhi bazaar mein giravat hone ke saath lose hone ki sambhavna rahti hain. Iske saath hi agar aapne Equity mein rupaye laga rakhe hain to vah 2-3 saal mein accha return dete hain. aur un  rupaye ko real estate mein shift kar dena bhi acchha decision hain. 


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