Mutual fund ek aisa investment option hai jahan pe kai log apna paisa ikattha karte hain aur phir usse professional fund manager stocks, bonds, ya kisi aur asset me invest karta hai. Isse investors ko apne paisa lagaane ka ek aasaan tareeka milta hai, bina khud market ko samjhe ya trade kiye.
Yeh kaise kaam karta hai:
- Paisa Ikkatha Karna: Bahut saare log apne paisa ko mutual fund me daalte hain. Fir, ek large amount of capital ban jaata hai jo fund manager use invest karta hai.
- Professional Management: Mutual fund ka ek manager ya ek team hoti hai jo decide karti hai ki paisa kaha lagana hai—stocks, bonds ya other assets.
- Diversification: Iska ek bada faayda hai—diversification. Matlab agar ek investment girta hai, toh doosre assets se risk cover ho sakta hai. Yaani ek hi fund me kai alag-alag cheezon me paisa lagaya jata hai .
- Types of Mutual Funds:
- Equity Funds: Zyada tar stocks me invest karte hain.
- Bond Funds: Bonds ya fixed-income securities me invest karte hain.
- Index Funds: Kisi specific index ko track karte hain, jaise S&P 500.
- Money Market Funds: Short-term, low-risk securities me invest karte hain.
- Hybrid Funds: Stocks aur bonds dono me invest karte hain.
- Fees: Mutual funds me kuch fees hoti hain jaise management fees, aur kabhi kabhi load fees bhi—jo fund kharidte waqt ya bechne pe lagti hai. Yeh fees returns pe affect kar sakti hain.
- Returns: Aapko returns milte hain fund ke performance ke hisaab se—ya to stock ya bonds se capital gain (value ka badhna) ya interest/dividends ke form me.
- Liquidity: Mutual funds ko aap end of the trading day pe sell ya buy kar sakte ho, aur jo price milega woh “Net Asset Value” (NAV) hota hai, jo market ke close hone par decide hota hai.