Namaskar dosto. Angel One ke iss podcast mein aapka swagat hai.
Stock market mein bahut saare investment options hai. Un mein se ek hai debt fund. Iss podcast mein Jan lete hai
1. What is a debt fund
2. Types of debt funds
3. Debt fund ke strengths
4. Debt fund ke risks
5. Aur debt fund se related best practices
Debt fund is basically a fund that invests a part of the investor's invested capital in bonds or other fixed-income securities. Padoswalli match-maker aunty ke jaise hi hai, jinho ne Sharmaji ke bete ko Lodhiji ke beti se milwayi thi. Ho sakta hai debt fund aapke paise ko corporate bonds, commercial paper, government securities ya treasury bills jaise money-market instruments mein invest karenge.
Debt funds aapke paise ko invest kar ke interest kamate hain aur yeh earnings aapko ko pass on karte hai. Debt fund mein investors ko steady income mil jata hai yaani ki investor ko fixed rate of interest diya jata hai. Debt funds basically work like loans. Aapka capital kisi third party ko loan kiya jata hai.
Toh aapko yeh fixed rate of interest kyun aur kaise diya jata hai? Aur kya yeh actually guaranteed hai? After all bola gaya hai ki stock market mein koi guarantees nahi hai…. Debt funds ke fund managers apne investments dhyaan se chunte hai. Wo high-credit rating money-market instruments mein hi invest karte hai. Dosto baat yeh hai ki fund managers apna investment term strategically decide karte hai jisse zyaada returns milne ka chances hai. Debt fund mein bhi koi guarantee nahi hai, lekin investors ko zyaada se zyaada - in normal circumstances - fixed income mil jata hai.
Debt funds ke 4 basic categories hote hai.
Gilt funds, jo sirf government securities mein hi invest karte hai. Inn fund managers ki soch hai ki government rarely loan pe default karegi aur iss kaaran investors ke paise bhi safe rahega aur growth bhi ho jayega. Yeh relatively safe debt fund rahta hai - risk bahut kam rahta hai.
Debt funds ka dusra kisam hota hai fixed maturity plans, jo lock-in period specify karte hai. Fixed maturity debt fund ka fixed offer period bhi hai - you can only invest in a fixed maturity debt fund during the offer period. Aur unka fixed lock in period aur maturity date bhi rahta hai. Is kisam ke debt fund mein risk thoda kam hai.
Debt funds ka teesri category hai dynamic bond funds. Is kisam ke debt fund mein maturity date fluctuate hota rahta hai kyunki fund manager interest rate projections ko dekh ke adjust karta rahta hai. Because of this they tend to be high-risk.
Last of all debt funds short term, long term aur medium term rehte hai. Short term funds ek saal se teen saal tak rahte hai. Medium term funds teen saal se paach saal tak rahte hai aur long term debt funds ki maturity 5 years se zyaada rahte hai. Short term funds mein risk sabse kam hai. Long term air medium term funds mein risk kaafi zyaada rahta hai.
Debt funds ke bahut saare benefits hai.
Pehla benefit hai stable income, kyunki jaise hum ne discuss kiya hai, debt funds usually offer a fixed rate of interest.
Dusra benefit hai liquidity. Agar aapka kam capital hai aur aapne apna pura paisa kisi investment option mein lock-in kiya, air phir aapko kisi emergency ke kaaran woh paise ko zarurat rahegi toh ho sakta hai ki aapko heavy penalty pay kar ke woh paise nikalna padega. Debt funds mein lock-in periods nahi rahte hai - whenever aapko USS paise ko zaroorath hai, aap withdraw kar sakte ho.
Transferabity bhi ek benefit hai. Aap apne debt fund capital ko Systematic Transfer Plan dvaara equities mein invest kar sakte ho.
Portfolio balance and diversification is another benefit of debt funds. Aapko apne investment ya stock market portfolio mein hamesha diversity rakhna chahiye to safeguard against losses. Equity funds directly stock-market se linked hai. Debt funds are instead loans to other entities - inn ka performance alag set of factors se linked hai.
Debt funds mein tax benefits bhi rahta hai. Aapko sirf year of redemption mein tax bharna hai, not every year that you hold the investment. Sirf returns (capital nahi) taxable rahta hai aur agar aapka long term investment hai toh you only need to pay tax agar interest rate of inflation se zyaada raha.
Debt funds mein invest karte samay kai important factors ka dhyaan rakhna chahiye.
Pehli cheez hai risk. Debt funds mein equity funds se kam risk hai, lekin phir bhi risk hai. It is not 0-risk. Yeh samajh ke hi invest kar lo.
Dusra factor jisme aapko dhyaan rakhna chahiye hai exit load. Debt fund se pause nikalne ke liye koi penalty nahi hai, lekin maturity date ke pehle agar paise nikaal rahe ho, toh aapko kabhi kabhi exit load pay karna padta hai. Exit load had fund mein alag rahta hai aur kahi funds mein zero exit load bhi rahta hai. Isse zarur check kijiye.
Debt funds mein aapko expense ratio pay karna hota hai. Rahul ko apne doston ke saath Thailand jaane ke liye 6 din chutti chahiye lekin chutti milne ke liye boss ko pataana padega. Pataane ke liye 10 din overtime maarna padega, kahi weekends pe kaam karna padega aur leave approval milne tak ek bhi din dandi nahi maar sakta. Kya yeh worth hai 6 din chutti kecliye? Rahul ko decide karna padega. Aise hi debt funds chalane ki expense aur apne expected returns ko compare kar ke calculate karna chahiye - what is the actual profit jo aapko end mein mil jayega?
Ab aapke paas debt funds ka introduction, strengths aur weaknesses se sambhandit saari information hai.
Debt funds mein invest karne ke do options hai. Ek hai lumpsum investment aur dusra hai systematic investment plan. Agar aapke paas account mein paisa pada hai, toh aap lumpsum investment kar sakte ho. Ulta agar aapko har maheene ek chota amount … egs Rs 1500... invest karna chahte ho, toh SIP-dvaara debt fund mein invest kar sakte ho.
Agar aap debt funds mein invest karna chahte ho toh aap abhi bhi apne ghar se hi invest kar sakte ho. Angel One app ko download aur install kar ke aap turant investment kar sakte ho. What are you waiting for? Let your money earn for you.
Stock market mein bahut saare investment options hai. Un mein se ek hai debt fund. Iss podcast mein Jan lete hai
1. What is a debt fund
2. Types of debt funds
3. Debt fund ke strengths
4. Debt fund ke risks
5. Aur debt fund se related best practices
Debt fund is basically a fund that invests a part of the investor's invested capital in bonds or other fixed-income securities. Padoswalli match-maker aunty ke jaise hi hai, jinho ne Sharmaji ke bete ko Lodhiji ke beti se milwayi thi. Ho sakta hai debt fund aapke paise ko corporate bonds, commercial paper, government securities ya treasury bills jaise money-market instruments mein invest karenge.
Debt funds aapke paise ko invest kar ke interest kamate hain aur yeh earnings aapko ko pass on karte hai. Debt fund mein investors ko steady income mil jata hai yaani ki investor ko fixed rate of interest diya jata hai. Debt funds basically work like loans. Aapka capital kisi third party ko loan kiya jata hai.
Toh aapko yeh fixed rate of interest kyun aur kaise diya jata hai? Aur kya yeh actually guaranteed hai? After all bola gaya hai ki stock market mein koi guarantees nahi hai…. Debt funds ke fund managers apne investments dhyaan se chunte hai. Wo high-credit rating money-market instruments mein hi invest karte hai. Dosto baat yeh hai ki fund managers apna investment term strategically decide karte hai jisse zyaada returns milne ka chances hai. Debt fund mein bhi koi guarantee nahi hai, lekin investors ko zyaada se zyaada - in normal circumstances - fixed income mil jata hai.
Debt funds ke 4 basic categories hote hai.
Gilt funds, jo sirf government securities mein hi invest karte hai. Inn fund managers ki soch hai ki government rarely loan pe default karegi aur iss kaaran investors ke paise bhi safe rahega aur growth bhi ho jayega. Yeh relatively safe debt fund rahta hai - risk bahut kam rahta hai.
Debt funds ka dusra kisam hota hai fixed maturity plans, jo lock-in period specify karte hai. Fixed maturity debt fund ka fixed offer period bhi hai - you can only invest in a fixed maturity debt fund during the offer period. Aur unka fixed lock in period aur maturity date bhi rahta hai. Is kisam ke debt fund mein risk thoda kam hai.
Debt funds ka teesri category hai dynamic bond funds. Is kisam ke debt fund mein maturity date fluctuate hota rahta hai kyunki fund manager interest rate projections ko dekh ke adjust karta rahta hai. Because of this they tend to be high-risk.
Last of all debt funds short term, long term aur medium term rehte hai. Short term funds ek saal se teen saal tak rahte hai. Medium term funds teen saal se paach saal tak rahte hai aur long term debt funds ki maturity 5 years se zyaada rahte hai. Short term funds mein risk sabse kam hai. Long term air medium term funds mein risk kaafi zyaada rahta hai.
Debt funds ke bahut saare benefits hai.
Pehla benefit hai stable income, kyunki jaise hum ne discuss kiya hai, debt funds usually offer a fixed rate of interest.
Dusra benefit hai liquidity. Agar aapka kam capital hai aur aapne apna pura paisa kisi investment option mein lock-in kiya, air phir aapko kisi emergency ke kaaran woh paise ko zarurat rahegi toh ho sakta hai ki aapko heavy penalty pay kar ke woh paise nikalna padega. Debt funds mein lock-in periods nahi rahte hai - whenever aapko USS paise ko zaroorath hai, aap withdraw kar sakte ho.
Transferabity bhi ek benefit hai. Aap apne debt fund capital ko Systematic Transfer Plan dvaara equities mein invest kar sakte ho.
Portfolio balance and diversification is another benefit of debt funds. Aapko apne investment ya stock market portfolio mein hamesha diversity rakhna chahiye to safeguard against losses. Equity funds directly stock-market se linked hai. Debt funds are instead loans to other entities - inn ka performance alag set of factors se linked hai.
Debt funds mein tax benefits bhi rahta hai. Aapko sirf year of redemption mein tax bharna hai, not every year that you hold the investment. Sirf returns (capital nahi) taxable rahta hai aur agar aapka long term investment hai toh you only need to pay tax agar interest rate of inflation se zyaada raha.
Debt funds mein invest karte samay kai important factors ka dhyaan rakhna chahiye.
Pehli cheez hai risk. Debt funds mein equity funds se kam risk hai, lekin phir bhi risk hai. It is not 0-risk. Yeh samajh ke hi invest kar lo.
Dusra factor jisme aapko dhyaan rakhna chahiye hai exit load. Debt fund se pause nikalne ke liye koi penalty nahi hai, lekin maturity date ke pehle agar paise nikaal rahe ho, toh aapko kabhi kabhi exit load pay karna padta hai. Exit load had fund mein alag rahta hai aur kahi funds mein zero exit load bhi rahta hai. Isse zarur check kijiye.
Debt funds mein aapko expense ratio pay karna hota hai. Rahul ko apne doston ke saath Thailand jaane ke liye 6 din chutti chahiye lekin chutti milne ke liye boss ko pataana padega. Pataane ke liye 10 din overtime maarna padega, kahi weekends pe kaam karna padega aur leave approval milne tak ek bhi din dandi nahi maar sakta. Kya yeh worth hai 6 din chutti kecliye? Rahul ko decide karna padega. Aise hi debt funds chalane ki expense aur apne expected returns ko compare kar ke calculate karna chahiye - what is the actual profit jo aapko end mein mil jayega?
Ab aapke paas debt funds ka introduction, strengths aur weaknesses se sambhandit saari information hai.
Debt funds mein invest karne ke do options hai. Ek hai lumpsum investment aur dusra hai systematic investment plan. Agar aapke paas account mein paisa pada hai, toh aap lumpsum investment kar sakte ho. Ulta agar aapko har maheene ek chota amount … egs Rs 1500... invest karna chahte ho, toh SIP-dvaara debt fund mein invest kar sakte ho.
Agar aap debt funds mein invest karna chahte ho toh aap abhi bhi apne ghar se hi invest kar sakte ho. Angel One app ko download aur install kar ke aap turant investment kar sakte ho. What are you waiting for? Let your money earn for you.
