tag:blogger.com,1999:blog-47464491592801063682024-02-20T23:03:05.527-08:00V6 ARTHGYAN LLPV6 ARTHGYAN LLP
is a leading Financial Services Provider based in Lucknow and Servicing Clients in all Parts of World.We Formed to Create Long term Wealth For investors through various Financial Products like Mutual Fund, Insurance, Fixed Deposit ,Loans & Alternate Investment Asset Products. We started our Journey in 2006 with handful of clients today managing more than 1500 clients and their Families.
V6 ARTHGYAN LLPhttp://www.blogger.com/profile/18128509813979049058noreply@blogger.comBlogger47125tag:blogger.com,1999:blog-4746449159280106368.post-87808139717103356792023-02-28T20:26:00.007-08:002023-02-28T20:41:06.476-08:00<div class="separator" style="clear: both; text-align: center;"><pre style="background: white; line-height: 21.35pt; mso-background-themecolor: background1;"><pre style="background-attachment: initial; background-clip: initial; background-image: initial; background-origin: initial; background-position: initial; background-repeat: initial; background-size: initial; line-height: 21.35pt;"><b><span style="font-family: inherit; font-size: x-large;"><span class="y2iqfc"><span lang="HI" style="color: #202124;">आपके जीवन के 3 सबसे महत्वपूर्ण पहलू</span></span><span style="color: #202124;"><o:p></o:p></span></span></b></pre></pre></div><div class="separator" style="clear: both; text-align: center;"><span style="font-family: inherit; font-size: medium;"><br /></span></div><div class="separator" style="clear: both; text-align: center;"><span style="font-family: inherit; font-size: medium;"><br /></span></div><div class="separator" style="clear: both; text-align: center;"><a href="https://blogger.googleusercontent.com/img/a/AVvXsEhZdxFqc405r-vTKXP0JAQHTJ5Ijs4ncvRQ05FN3o1EMI9MP5MsRWNTLWrzuPHSyNah8VjhHt3ksgsPdbc8d0LrLeaqqjmbgGmr2DZQ_kZ8KZiIoGVuO7mo9leAEIyWm2fxw-W445ZqYYnNhTlwbaqVNWpzFxTt6cFEM-081_2L0x0naEPlYc-1_n8o" style="margin-left: 1em; margin-right: 1em;"><span style="font-family: inherit; font-size: medium;"><img alt="" data-original-height="407" data-original-width="719" height="181" src="https://blogger.googleusercontent.com/img/a/AVvXsEhZdxFqc405r-vTKXP0JAQHTJ5Ijs4ncvRQ05FN3o1EMI9MP5MsRWNTLWrzuPHSyNah8VjhHt3ksgsPdbc8d0LrLeaqqjmbgGmr2DZQ_kZ8KZiIoGVuO7mo9leAEIyWm2fxw-W445ZqYYnNhTlwbaqVNWpzFxTt6cFEM-081_2L0x0naEPlYc-1_n8o" width="320" /></span></a></div><span style="font-family: inherit; font-size: medium;"><br /></span><div><span style="font-family: inherit; font-size: medium;"><br /></span></div><div><pre style="background: white; line-height: 21.35pt; mso-background-themecolor: background1;"><span class="y2iqfc"><span lang="HI" style="color: #202124; mso-ascii-font-family: inherit; mso-hansi-font-family: inherit;"><span style="font-family: inherit; font-size: medium;">हमें बचपन से ही सिखाया जाता है कि पैसे बर्बाद न करें और हमेशा सबसे सस्ते विकल्प का चुनाव करें। लेकिन </span></span></span></pre><pre style="background: white; line-height: 21.35pt; mso-background-themecolor: background1;"><span class="y2iqfc"><span lang="HI" style="color: #202124; mso-ascii-font-family: inherit; mso-hansi-font-family: inherit;"><span style="font-family: inherit; font-size: medium;">महंगी दिखने वाली हर चीज आपकी जेब के लिए खराब नहीं होती। कुछ चीजों के दूरगामी सकारात्मक प्रभाव होते </span></span></span></pre><pre style="background: white; line-height: 21.35pt; mso-background-themecolor: background1;"><span style="font-family: inherit; font-size: medium;"><span class="y2iqfc"><span lang="HI" style="color: #202124; mso-ascii-font-family: inherit; mso-hansi-font-family: inherit;">हैं</span></span><span class="y2iqfc"><span style="color: #202124;">, </span></span><span class="y2iqfc"><span lang="HI" style="color: #202124; mso-ascii-font-family: inherit; mso-hansi-font-family: inherit;">जो हमें भविष्य में बहुत सारा पैसा बचाने में मदद करती हैं और हमारे स्वास्थ्य को बढ़ावा देती हैं।</span></span><span style="color: #202124;"><o:p></o:p></span></span></pre><pre style="background: white; line-height: 21.35pt; mso-background-themecolor: background1;"><span class="y2iqfc"><span lang="HI" style="color: #202124; mso-ascii-font-family: inherit; mso-hansi-font-family: inherit;"><pre style="background-attachment: initial; background-clip: initial; background-image: initial; background-origin: initial; background-position: initial; background-repeat: initial; background-size: initial; line-height: 21.35pt;"><span style="font-family: inherit; font-size: medium;"><span class="y2iqfc"><span lang="HI">आप कह सकते हैं कि ये जरूरी खर्चे हैं। यहां हम अपने तीन क्षेत्रों के बारे में बात करना चाहेंगे </span></span><span lang="HI"> जहां हमें </span></span></pre><pre style="background-attachment: initial; background-clip: initial; background-image: initial; background-origin: initial; background-position: initial; background-repeat: initial; background-size: initial; line-height: 21.35pt;"><span style="font-family: inherit; font-size: medium;"><span lang="HI">कुछ पैसे बचाने के बारे में नहीं सोचना चाहिए। ये क्षेत्र शारीरिक</span><span class="y2iqfc"><span>, </span></span><span class="y2iqfc"><span lang="HI">मानसिक और </span></span><span lang="HI">हमारे जीवन के वित्तीय पहलू। आखिर</span></span></pre><pre style="background-attachment: initial; background-clip: initial; background-image: initial; background-origin: initial; background-position: initial; background-repeat: initial; background-size: initial; line-height: 21.35pt;"><span style="font-family: inherit; font-size: medium;"><span lang="HI">कार</span><span class="y2iqfc"><span>, </span></span><span class="y2iqfc"><span lang="HI">आपको </span></span><span class="y2iqfc"><span>'</span></span><span class="y2iqfc"><span lang="HI">पेनी वाइज एंड पाउंड फूलिश</span></span><span class="y2iqfc"><span>' </span></span><span class="y2iqfc"><span lang="HI">नहीं होना चाहिए।</span></span></span></pre><pre style="background-attachment: initial; background-clip: initial; background-image: initial; background-origin: initial; background-position: initial; background-repeat: initial; background-size: initial; line-height: 21.35pt;"><span style="font-size: medium;"><span class="y2iqfc"><span lang="HI" style="font-family: inherit;"><br /></span></span></span></pre><pre style="background-attachment: initial; background-clip: initial; background-image: initial; background-origin: initial; background-position: initial; background-repeat: initial; background-size: initial; line-height: 21.35pt;"><span class="y2iqfc"><span lang="HI"><b><span style="font-family: inherit; font-size: x-large;">भौतिक स्वरूप:-</span></b></span></span></pre><pre style="background-attachment: initial; background-clip: initial; background-image: initial; background-origin: initial; background-position: initial; background-repeat: initial; background-size: initial; line-height: 21.35pt;"><span class="y2iqfc"><span lang="HI"><b><span style="font-family: inherit; font-size: medium;"><br /></span></b></span></span></pre><pre style="background-attachment: initial; background-clip: initial; background-image: initial; background-origin: initial; background-position: initial; background-repeat: initial; background-size: initial; line-height: 21.35pt;"><span class="y2iqfc"><span lang="HI"><pre style="background-attachment: initial; background-clip: initial; background-image: initial; background-origin: initial; background-position: initial; background-repeat: initial; background-size: initial; line-height: 21.35pt;"><span style="font-family: inherit; font-size: medium;"><span class="y2iqfc"><span lang="HI">अधिक पैसा कमाने की आज की भागदौड़ में हम अपने शरीर को नजरअंदाज कर देते हैं। हम केवल ध्यान देते हैं</span></span><span class="y2iqfc"><span lang="HI"><o:p></o:p></span></span></span></pre><pre style="background-attachment: initial; background-clip: initial; background-image: initial; background-origin: initial; background-position: initial; background-repeat: initial; background-size: initial; line-height: 21.35pt;"><span style="font-family: inherit; font-size: medium;"><span class="y2iqfc"><span lang="HI">जब हमें किसी विशेष स्वास्थ्य रोग का पता चलता है। जीवनशैली से संबंधित रखने का सबसे अच्छा तरीका </span></span><span class="y2iqfc"><span lang="HI"><o:p></o:p></span></span></span></pre><pre style="background-attachment: initial; background-clip: initial; background-image: initial; background-origin: initial; background-position: initial; background-repeat: initial; background-size: initial; line-height: 21.35pt;"><span style="font-family: inherit; font-size: medium;"><span class="y2iqfc"><span lang="HI">खाड़ी में स्थितियां (और हजारों रुपये बचाएं) किसी भी प्रकार की शारीरिक गतिविधि करना होगा</span></span><span class="y2iqfc"><span lang="HI"><o:p></o:p></span></span></span></pre><pre style="background-attachment: initial; background-clip: initial; background-image: initial; background-origin: initial; background-position: initial; background-repeat: initial; background-size: initial; line-height: 21.35pt;"><span style="font-family: inherit; font-size: medium;"><span class="y2iqfc"><span lang="HI">नियमित रूप से। अध्ययनों से पता चला है कि शारीरिक गतिविधि न केवल आपके शारीरिक स्वास्थ्य के लिए अच्छी है</span></span><span class="y2iqfc"><span>; </span></span><span class="y2iqfc"><span lang="HI">यह </span></span></span></pre><pre style="background-attachment: initial; background-clip: initial; background-image: initial; background-origin: initial; background-position: initial; background-repeat: initial; background-size: initial; line-height: 21.35pt;"><span class="y2iqfc"><span lang="HI"><span style="font-family: inherit; font-size: medium;">आपके मानसिक स्वास्थ्य के लिए भी आवश्यक है। लेकिन इससे पहले कि आप उस वार्षिक सदस्यता को अपने नजदीकी </span></span></span></pre><pre style="background-attachment: initial; background-clip: initial; background-image: initial; background-origin: initial; background-position: initial; background-repeat: initial; background-size: initial; line-height: 21.35pt;"><span style="font-family: inherit; font-size: medium;"><span class="y2iqfc"><span lang="HI">में ले </span></span><span lang="HI">जिम में</span><span class="y2iqfc"><span>, </span></span><span class="y2iqfc"><span lang="HI">यह समझना महत्वपूर्ण है कि आप किस प्रकार की शारीरिक गतिविधि करना चाहेंगे। अगर आप प्यार करते हैं</span></span></span></pre><pre style="background-attachment: initial; background-clip: initial; background-image: initial; background-origin: initial; background-position: initial; background-repeat: initial; background-size: initial; line-height: 21.35pt;"><span style="font-family: inherit; font-size: medium;"><span class="y2iqfc"><span lang="HI">नृत्य</span></span><span class="y2iqfc"><span>, </span></span><span class="y2iqfc"><span lang="HI">तो ज़ुम्बा या अन्य नृत्य कक्षाएं आपके लिए सबसे उपयुक्त हो सकती हैं। यदि आप एक में दौड़ना चाहते हैं </span></span><span lang="HI">मैराथन</span><span class="y2iqfc"><span>, </span></span><span class="y2iqfc"><span lang="HI">आप </span></span></span></pre><pre style="background-attachment: initial; background-clip: initial; background-image: initial; background-origin: initial; background-position: initial; background-repeat: initial; background-size: initial; line-height: 21.35pt;"><span class="y2iqfc"><span lang="HI"><span style="font-family: inherit; font-size: medium;">मैराथन-प्रशिक्षण समूह में शामिल हो सकते हैं।</span></span></span></pre><pre style="background-attachment: initial; background-clip: initial; background-image: initial; background-origin: initial; background-position: initial; background-repeat: initial; background-size: initial; line-height: 21.35pt;"><span class="y2iqfc"><span lang="HI"><pre style="background-attachment: initial; background-clip: initial; background-image: initial; background-origin: initial; background-position: initial; background-repeat: initial; background-size: initial; line-height: 21.35pt;"><span style="font-family: inherit; font-size: medium;"><span class="y2iqfc"><span lang="HI">अपने परिवार के अन्य सदस्यों के साथ-साथ नियमित स्वास्थ्य जांच के लिए जाना भी आवश्यक है </span></span>किसी भी बीमारी के शुरुआती ल</span></pre><pre style="background-attachment: initial; background-clip: initial; background-image: initial; background-origin: initial; background-position: initial; background-repeat: initial; background-size: initial; line-height: 21.35pt;"><span style="font-family: inherit; font-size: medium;">क्षणों का पता लगाने में मदद कर सकता है। आप निवारक उपायों और नियंत्रण कर सकते हैं</span></pre><pre style="background-attachment: initial; background-clip: initial; background-image: initial; background-origin: initial; background-position: initial; background-repeat: initial; background-size: initial; line-height: 21.35pt;"><span style="font-family: inherit; font-size: medium;"><br /></span></pre><pre style="background-attachment: initial; background-clip: initial; background-image: initial; background-origin: initial; background-position: initial; background-repeat: initial; background-size: initial; line-height: 21.35pt;"><span style="font-family: inherit; font-size: x-large;"><span class="y2iqfc"><span lang="HI"><span><b>मानसिक पहलू:-</b></span></span></span><span><o:p></o:p></span></span></pre><pre style="background-attachment: initial; background-clip: initial; background-image: initial; background-origin: initial; background-position: initial; background-repeat: initial; background-size: initial; line-height: 21.35pt;"><span class="y2iqfc"><span lang="HI"><span style="font-family: inherit; font-size: medium;"><b><br /></b></span></span></span></pre><pre style="background-attachment: initial; background-clip: initial; background-image: initial; background-origin: initial; background-position: initial; background-repeat: initial; background-size: initial; line-height: 21.35pt;"><span class="y2iqfc"><span lang="HI"><pre style="background-attachment: initial; background-clip: initial; background-image: initial; background-origin: initial; background-position: initial; background-repeat: initial; background-size: initial; line-height: 21.35pt;"><span style="font-family: inherit; font-size: medium;"><span><span class="y2iqfc"><span lang="HI">मानसिक तंदुरूस्ती उतनी ही जरूरी है जितनी कि शारीरिक तंदुरूस्ती। जब आप खुश होते हैं</span></span><span class="y2iqfc"><span>, </span></span></span><span class="y2iqfc"><span lang="HI">अपने कार्य जीवन</span></span></span></pre><pre style="background-attachment: initial; background-clip: initial; background-image: initial; background-origin: initial; background-position: initial; background-repeat: initial; background-size: initial; line-height: 21.35pt;"><span style="font-family: inherit; font-size: medium;"><span class="y2iqfc"><span lang="HI">में सर्वोत्तम और अपनी उत्पादकता में वृद्धि करें जिससे उच्च वेतन वृद्धि</span></span><span class="y2iqfc"><span>, </span></span><span class="y2iqfc"><span lang="HI">बोनस और बहुत कुछ हो</span></span></span></pre><pre style="background-attachment: initial; background-clip: initial; background-image: initial; background-origin: initial; background-position: initial; background-repeat: initial; background-size: initial; line-height: 21.35pt;"><span style="font-family: inherit; font-size: medium;"><span class="y2iqfc"><span lang="HI">लाभ। एक संतुष्ट मन न केवल आपके कार्य जीवन के लिए बल्कि आपके व्यक्तिगत जीवन के लिए भी आवश्यक है। वहाँ</span></span><span class="y2iqfc"><span lang="HI"><o:p></o:p></span></span></span></pre><pre style="background-attachment: initial; background-clip: initial; background-image: initial; background-origin: initial; background-position: initial; background-repeat: initial; background-size: initial; line-height: 21.35pt;"><span style="font-family: inherit; font-size: medium;"><span class="y2iqfc"><span lang="HI">परिजनों के बीच भावनात्मक तनाव कम होगा। तनावग्रस्त रहने से अनुचित हो सकता है </span></span><span lang="HI">निर्णय लेना</span><span class="y2iqfc"><span>, </span></span><span class="y2iqfc"><span lang="HI">जिसके गंभीर परिणाम</span></span></span></pre><pre style="background-attachment: initial; background-clip: initial; background-image: initial; background-origin: initial; background-position: initial; background-repeat: initial; background-size: initial; line-height: 21.35pt;"><span style="font-family: inherit; font-size: medium;"><span lang="HI">हो सकते हैं</span><span class="y2iqfc"><span>, </span></span><span class="y2iqfc"><span lang="HI">विशेषकर आपके वित्तीय जीवन में।</span></span></span></pre><pre style="background-attachment: initial; background-clip: initial; background-image: initial; background-origin: initial; background-position: initial; background-repeat: initial; background-size: initial; line-height: 21.35pt;"><span class="y2iqfc"><span lang="HI"><pre style="background-attachment: initial; background-clip: initial; background-image: initial; background-origin: initial; background-position: initial; background-repeat: initial; background-size: initial; line-height: 21.35pt;"><span style="font-family: inherit; font-size: medium;"><span class="y2iqfc"><span lang="HI">मन को शांत और खुश रखने का सबसे अच्छा तरीका है मेडिटेशन। ध्यान मदद कर सकता है </span></span>अपने तनाव के स्तर को कम करें </span></pre><pre style="background-attachment: initial; background-clip: initial; background-image: initial; background-origin: initial; background-position: initial; background-repeat: initial; background-size: initial; line-height: 21.35pt;"><span style="font-family: inherit; font-size: medium;">और अपने नकारात्मक विचारों को साफ़ करें। आप जिन चीजों से प्यार करते हैं उन्हें भी कर सकते हैं <span lang="HI">अपने तनाव के स्तर को कम करें। </span></span></pre><pre style="background-attachment: initial; background-clip: initial; background-image: initial; background-origin: initial; background-position: initial; background-repeat: initial; background-size: initial; line-height: 21.35pt;"><span style="font-family: inherit; font-size: medium;"><span lang="HI">विभिन्न कला रूपों</span><span class="y2iqfc"><span>, </span></span><span class="y2iqfc"><span lang="HI">बाहरी गतिविधियों पर कई गतिविधियाँ और कार्यशालाएँ हैं </span></span>हर दूसरे सप्ताह के अंत में आयोजित करें या अपने </span></pre><pre style="background-attachment: initial; background-clip: initial; background-image: initial; background-origin: initial; background-position: initial; background-repeat: initial; background-size: initial; line-height: 21.35pt;"><span style="font-family: inherit; font-size: medium;">दोस्तों और परिवार के सदस्यों के साथ योजनाएँ बनाएं। यह भी होगा</span></pre><pre style="background-attachment: initial; background-clip: initial; background-image: initial; background-origin: initial; background-position: initial; background-repeat: initial; background-size: initial; line-height: 21.35pt;"><pre style="background-attachment: initial; background-clip: initial; background-image: initial; background-origin: initial; background-position: initial; background-repeat: initial; background-size: initial; line-height: 21.35pt;"><span style="font-family: inherit; font-size: medium;"><span class="y2iqfc"><span lang="HI">"जो लोग परिवार</span></span><span class="y2iqfc"><span>, </span></span><span class="y2iqfc"><span lang="HI">दोस्तों और समुदाय से अधिक सामाजिक रूप से जुड़े हुए हैं वे अधिक खुश</span></span><span class="y2iqfc"><span>, </span></span><span class="y2iqfc"><span lang="HI">स्वस्थ</span></span><span class="y2iqfc"><span>, </span></span><span lang="HI">और उन लोगों की </span></span></pre><pre style="background-attachment: initial; background-clip: initial; background-image: initial; background-origin: initial; background-position: initial; background-repeat: initial; background-size: initial; line-height: 21.35pt;"><span style="font-family: inherit; font-size: medium;"><span lang="HI">तुलना में अधिक समय तक जीवित रहते हैं जो कम अच्छी तरह से जुड़े हुए हैं</span><span class="y2iqfc"><span>," </span></span><span class="y2iqfc"><span lang="HI">डॉ। वाल्डिंगर कहते हैं</span></span><span class="y2iqfc"><span>, </span></span><span class="y2iqfc"><span lang="HI">एक मनो</span></span></span></pre><pre style="background-attachment: initial; background-clip: initial; background-image: initial; background-origin: initial; background-position: initial; background-repeat: initial; background-size: initial; line-height: 21.35pt;"><span style="font-family: inherit; font-size: medium;"><span class="y2iqfc"><span lang="HI">चिकित्सक </span></span><span lang="HI">हार्वर्ड से संबद्ध मैसाचुसेट्स जनरल अस्पताल। इसलिए</span><span class="y2iqfc"><span>, </span></span><span class="y2iqfc"><span lang="HI">यह हर पहलू में एक जीत की स्थिति है।</span></span></span></pre><p class="MsoNormal" style="background-attachment: initial; background-clip: initial; background-image: initial; background-origin: initial; background-position: initial; background-repeat: initial; background-size: initial;"><span style="font-family: inherit; font-size: medium;"><span class="y2iqfc"><span lang="HI">कार्यशालाओं</span></span><span class="y2iqfc"><span>, </span></span><span class="y2iqfc"><span lang="HI">प्रशिक्षण कार्यक्रमों और पढ़ने में भाग लेने के माध्यम से अपने आप में निवेश करना बहुत महत्वपूर्ण है</span></span></span></p></pre><pre style="background-attachment: initial; background-clip: initial; background-image: initial; background-origin: initial; background-position: initial; background-repeat: initial; background-size: initial; line-height: 21.35pt;"><span style="font-family: inherit; font-size: medium;"><span class="y2iqfc"><span lang="HI"><span>बंधन को मजबूत करें।</span></span></span><span><o:p></o:p></span></span></pre><pre style="background-attachment: initial; background-clip: initial; background-image: initial; background-origin: initial; background-position: initial; background-repeat: initial; background-size: initial; line-height: 21.35pt;"><span class="y2iqfc"><span lang="HI"><span style="font-family: inherit; font-size: medium;"><br /></span></span></span></pre><pre style="background-attachment: initial; background-clip: initial; background-image: initial; background-origin: initial; background-position: initial; background-repeat: initial; background-size: initial; line-height: 21.35pt;"><span class="y2iqfc"><span lang="HI"><span style="font-family: inherit; font-size: x-large;"><b>वित्तीय पहलू:-</b></span></span></span></pre><pre style="background-attachment: initial; background-clip: initial; background-image: initial; background-origin: initial; background-position: initial; background-repeat: initial; background-size: initial; line-height: 21.35pt;"><span class="y2iqfc"><span lang="HI"><span style="font-family: inherit; font-size: medium;"><b><br /></b></span></span></span></pre><pre style="background-attachment: initial; background-clip: initial; background-image: initial; background-origin: initial; background-position: initial; background-repeat: initial; background-size: initial; line-height: 21.35pt;"><span class="y2iqfc"><span lang="HI"><pre style="background-attachment: initial; background-clip: initial; background-image: initial; background-origin: initial; background-position: initial; background-repeat: initial; background-size: initial; line-height: 21.35pt;"><span style="font-family: inherit; font-size: medium;"><span class="y2iqfc"><span lang="HI">हमने देखा है कि कैसे अपने पैसे को अपने शारीरिक और मानसिक पहलुओं में निवेश करने से आपको मदद मिल सकती है</span></span><span class="y2iqfc"><span lang="HI"><o:p></o:p></span></span></span></pre><pre style="background-attachment: initial; background-clip: initial; background-image: initial; background-origin: initial; background-position: initial; background-repeat: initial; background-size: initial; line-height: 21.35pt;"><span style="font-family: inherit; font-size: medium;"><span class="y2iqfc"><span lang="HI">अपनी आय बढ़ाएँ। लेकिन अगर आप अपने पैसे का प्रबंधन नहीं करते हैं तो सब कुछ गिर जाएगा </span></span><span lang="HI">समझदारी से। एक वित्तीय </span></span></pre><pre style="background-attachment: initial; background-clip: initial; background-image: initial; background-origin: initial; background-position: initial; background-repeat: initial; background-size: initial; line-height: 21.35pt;"><span style="font-family: inherit; font-size: medium;"><span lang="HI">सलाहकार इसमें आपकी मदद कर सकता है। हम सोच सकते हैं कि हम अपने वित्त को संभाल सकते हैं</span><span class="y2iqfc"><span>, </span></span><span class="y2iqfc"><span lang="HI">लेकिन</span></span></span></pre><pre style="background-attachment: initial; background-clip: initial; background-image: initial; background-origin: initial; background-position: initial; background-repeat: initial; background-size: initial; line-height: 21.35pt;"><span style="font-family: inherit; font-size: medium;"><span class="y2iqfc"><span lang="HI">जब हमारा सामना बहुत अच्छे परिदृश्यों से होता है</span></span><span class="y2iqfc"><span>, </span></span><span class="y2iqfc"><span lang="HI">तो हम सही निर्णय लेने में असफल हो जाते हैं। ऐसे फैसले</span></span><span class="y2iqfc"><span lang="HI"><o:p></o:p></span></span></span></pre><pre style="background-attachment: initial; background-clip: initial; background-image: initial; background-origin: initial; background-position: initial; background-repeat: initial; background-size: initial; line-height: 21.35pt;"><span style="font-family: inherit; font-size: medium;"><span class="y2iqfc"><span lang="HI">अंतिम समय में कर बचाने के लिए यूलिप में निवेश कर सकते हैं</span></span><span class="y2iqfc"><span>, </span></span><span class="y2iqfc"><span lang="HI">पांच ईएलएसएस फंड में निवेश कर सकते हैं</span></span><span class="y2iqfc"><span>, </span></span></span></pre><pre style="background-attachment: initial; background-clip: initial; background-image: initial; background-origin: initial; background-position: initial; background-repeat: initial; background-size: initial; line-height: 21.35pt;"><span style="font-family: inherit; font-size: medium;"><span class="y2iqfc"><span lang="HI">निकासी कर सकते हैं </span></span>15 साल के लॉक-इन और उच्च के बीच फेरबदल के बाद आपके भविष्य निधि से पैसा धन का प्रदर्शन। ये सभी वित्तीय गलतियाँ </span></pre><pre style="background-attachment: initial; background-clip: initial; background-image: initial; background-origin: initial; background-position: initial; background-repeat: initial; background-size: initial; line-height: 21.35pt;"><span style="font-family: inherit; font-size: medium;">आपके वित्त को नुकसान पहुँचा सकती हैं। एक वित्तीय सलाहकार सौंप देंगे <span lang="HI">आपको पकड़ता है और आपको सही वित्तीय निर्णय लेने में </span></span></pre><pre style="background-attachment: initial; background-clip: initial; background-image: initial; background-origin: initial; background-position: initial; background-repeat: initial; background-size: initial; line-height: 21.35pt;"><span style="font-family: inherit; font-size: medium;"><span lang="HI">मदद करता है। सही वित्तीय सलाहकार के साथ</span><span class="y2iqfc"><span>, </span></span><span class="y2iqfc"><span lang="HI">आपका जीवन </span></span>लक्ष्य आपकी पहुंच के भीतर हैं। जीवन के ये तीन पहलू हैं जहां कंजूस </span></pre><pre style="background-attachment: initial; background-clip: initial; background-image: initial; background-origin: initial; background-position: initial; background-repeat: initial; background-size: initial; line-height: 21.35pt;"><span style="font-family: inherit; font-size: medium;"><span>होना उल्टा पड़ सकता है। अपनी योजना बनाना याद रखें बजट ठीक से ताकि आप दोनों दुनिया के सर्वश्रेष्ठ हो सकें</span>।</span></pre><pre style="background-attachment: initial; background-clip: initial; background-image: initial; background-origin: initial; background-position: initial; background-repeat: initial; background-size: initial; line-height: 21.35pt;"><span style="font-family: inherit; font-size: medium;"><br /></span></pre><pre style="background-attachment: initial; background-clip: initial; background-image: initial; background-origin: initial; background-position: initial; background-repeat: initial; background-size: initial; line-height: 21.35pt;"><div class="separator" style="clear: both; color: #333333; text-align: center; white-space: normal;"><a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEjkrJHUZ2VkGi3zz51FFh6TTppKiAZBH2YnCn1TprcNzVR8dXtGBWK58FaQZOIsmTTZzuwjGIBHrn8IEIe-5FDvpp_YUNFJ7jK79qONsTwrpqQ9BiTfitATVmtHJpHK8ClWijGKbWLphdaySLv9TOuxLKVZcXLEDPD3oejE4nLWW0aU76YFQjD0Sjau/s688/LOGO_V6%20ARTHGYAN%20LLP.png" style="margin-left: 1em; margin-right: 1em;"><span style="font-family: inherit; font-size: medium;"><img border="0" data-original-height="688" data-original-width="688" height="320" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEjkrJHUZ2VkGi3zz51FFh6TTppKiAZBH2YnCn1TprcNzVR8dXtGBWK58FaQZOIsmTTZzuwjGIBHrn8IEIe-5FDvpp_YUNFJ7jK79qONsTwrpqQ9BiTfitATVmtHJpHK8ClWijGKbWLphdaySLv9TOuxLKVZcXLEDPD3oejE4nLWW0aU76YFQjD0Sjau/s320/LOGO_V6%20ARTHGYAN%20LLP.png" width="320" /></span></a></div><p class="MsoNormal" style="color: black; white-space: normal;"><span style="font-family: inherit; font-size: large;"><br style="color: #333333; text-align: justify;" /></span></p><h2 style="color: black; line-height: normal; margin-bottom: 0.0001pt; white-space: normal;"><span style="font-family: inherit; font-size: large;"><b><span> </span></b><b><span> AMFI Registered Mutual Fund Distributor </span></b></span></h2><h2 style="color: black; line-height: normal; margin-bottom: 0.0001pt; white-space: normal;"><span style="font-family: inherit; font-size: large;"><span lang="HI"> 6306522855</span></span></h2><div><span style="font-family: inherit; font-size: large;"><span lang="HI"><pre style="background-attachment: initial; background-clip: initial; background-image: initial; background-origin: initial; background-position: initial; background-repeat: initial; background-size: initial; font-size: medium; line-height: 21.35pt;"><h2 style="color: black; line-height: normal; margin-bottom: 0.0001pt; white-space: normal;"><span style="font-family: inherit; font-size: large;"><span><b> Burlington, Lucknow, </b></span><b><span lang="HI">226001</span></b></span></h2><pre style="background-attachment: initial; background-clip: initial; background-image: initial; background-origin: initial; background-position: initial; background-repeat: initial; background-size: initial; line-height: 21.35pt;"><span class="y2iqfc"><span lang="HI"><pre style="background-attachment: initial; background-clip: initial; background-image: initial; background-origin: initial; background-position: initial; background-repeat: initial; background-size: initial; line-height: 21.35pt;"><h2 style="color: black; line-height: normal; margin-bottom: 0.0001pt; white-space: normal;"> customercare@vsix.co.in || www.vsix.co.in</h2></pre></span></span></pre><h2 style="color: black; line-height: normal; margin-bottom: 0.0001pt; white-space: normal;"><span style="font-family: inherit; font-size: large;"><b><span> </span></b></span></h2><p class="MsoBodyText" style="color: black; line-height: 22.56px; margin: 5pt 17.15pt 0.0001pt 17.25pt; text-align: justify; white-space: normal;"><span style="font-family: inherit; font-size: large;"></span></p><p class="MsoNormal" style="color: black; white-space: normal;"><span><span style="font-family: inherit; font-size: large;"></span></span></p><div class="separator" style="clear: both; color: black; text-align: center; white-space: normal;"><span style="font-family: inherit; font-size: large; text-align: left;"><h2 style="line-height: normal; margin-bottom: 0.0001pt;"><span><o:p></o:p></span><span> </span></h2></span></div></pre></span></span></div><div style="color: black; white-space: normal;"><b><span><div class="separator" style="clear: both; font-weight: 400; text-align: center;"><span style="font-family: inherit; font-size: large; text-align: left;"></span></div></span></b></div><h2 style="color: black; line-height: normal; margin-bottom: 0.0001pt; white-space: normal;"><span style="font-family: inherit; font-size: large;"><span> </span></span> </h2></pre><pre style="background-attachment: initial; background-clip: initial; background-image: initial; background-origin: initial; background-position: initial; background-repeat: initial; background-size: initial; line-height: 21.35pt;"><span style="font-family: inherit; font-size: medium;"><br /></span></pre><pre style="background-attachment: initial; background-clip: initial; background-image: initial; background-origin: initial; background-position: initial; background-repeat: initial; background-size: initial; line-height: 21.35pt;"><span style="font-family: inherit; font-size: medium;"><br /></span></pre><pre style="background-attachment: initial; background-clip: initial; background-image: initial; background-origin: initial; background-position: initial; background-repeat: initial; background-size: initial; line-height: 21.35pt;"><span style="font-family: inherit; font-size: medium;"><br /></span></pre><pre style="background-attachment: initial; background-clip: initial; background-image: initial; background-origin: initial; background-position: initial; background-repeat: initial; background-size: initial; line-height: 21.35pt;"><br /></pre></span></span></pre></span></span></pre></span></span></pre></span></span></pre></span></span></pre></span></span></pre></div>V6 ARTHGYAN LLPhttp://www.blogger.com/profile/18128509813979049058noreply@blogger.com0tag:blogger.com,1999:blog-4746449159280106368.post-1458119504393774852023-02-28T20:24:00.000-08:002023-02-28T20:24:55.995-08:003 most critical aspect of your life<h2 style="text-align: center;"><span style="font-family: inherit; font-size: x-large;"><u> 3 most
critical aspects of your life</u></span></h2><div><span style="font-family: inherit; font-size: medium;"><br /></span></div><div><span style="font-family: inherit; font-size: medium;"><div class="separator" style="clear: both; text-align: center;"><a href="https://blogger.googleusercontent.com/img/a/AVvXsEg8cLt4UI5aYNebgde3Al3g7Bv1j8z3qb8cu75VRO4lvWZxDl_zxFAq3ojVtodcH2FFD7xexDsIN8xNk0i29aARrkVD4Rv9hR0VYcdxzyav-pB0uBnAJqO-T6ij28yADLAUiBTSlW8vpJphwZAhSg9pWeF9jbluXaCQEw8FelGP_BKY1dRofyL7x7q5" style="margin-left: 1em; margin-right: 1em;"><img alt="" data-original-height="407" data-original-width="719" height="227" src="https://blogger.googleusercontent.com/img/a/AVvXsEg8cLt4UI5aYNebgde3Al3g7Bv1j8z3qb8cu75VRO4lvWZxDl_zxFAq3ojVtodcH2FFD7xexDsIN8xNk0i29aARrkVD4Rv9hR0VYcdxzyav-pB0uBnAJqO-T6ij28yADLAUiBTSlW8vpJphwZAhSg9pWeF9jbluXaCQEw8FelGP_BKY1dRofyL7x7q5=w400-h227" width="400" /></a></div></span><p class="MsoNormal"><span style="line-height: 115%;"><span style="font-family: inherit; font-size: medium;">From childhood, we are taught not to waste money and always go for the cheapest option. But not all things that appear to be expensive are bad for
your pocket. Some of the things have far fetching positive impacts, help us
save a ton of money in the future, and boost our wellness. </span></span></p><p class="MsoNormal"><span style="font-size: medium;"> You
can say that these are necessary expenses. Here we would like to talk about
three areas of our lives where we should not think about saving a few pennies.
These areas are physical, mental, and financial aspects of our life. After all,
you should not be ‘penny wise and pound foolish.<span style="text-align: center;"> </span></span></p><p class="MsoNormal"><span style="line-height: 115%;"><b><span style="font-size: x-large;">Physical
aspect:-<o:p></o:p></span></b></span></p><p class="MsoNormal"><span style="font-size: medium;">In today’s mad rush of earning more money, we tend to ignore
our bodies. We only pay attention when we are diagnosed with a particular health
disease. The best way to keep lifestyle-related conditions at bay (and save
thousands of rupees) would be to do any form of physical activity regularly.
Studies have shown that physical activity is not just good for your physical
health; it is also essential for your mental health. But before you take that
annual membership in your nearest gym, it is crucial to understand what kind of
physical activity would you like to do. If you love to dance, then Zumba or
other dance classes can be the best fit for you. If you want to run in a
marathon, you can join a marathon-training group.</span></p><p class="MsoNormal"><span style="font-size: medium;">It is also essential to go for regular health checkups along
with your other family members as it can help to diagnose early signs of any
disease. You can preventive measures and control the disease from blowing out
of proportion. </span></p></div><div><p class="MsoNormal"><b><span style="font-size: x-large;">Mental aspect:-<o:p></o:p></span></b></p>
<p class="MsoNormal"><span style="font-size: medium;">Mental well-being is as important as physical well-being. When
you are happy, you can give your best in your work life and increase your
productivity leading to higher increments, bonuses, es, and more profits. A contented
mind is essential not just for your work life but your personal life as well.
There will be less emotional stress between the family members. Being stressed
can lead to improper decision-making, which can have serious consequences,
especially in your financial life.<o:p></o:p></span></p>
<p class="MsoNormal"><span style="font-size: medium;">One of the best ways to have a calm and happy mind is
through mediation. Meditation can help lower your stress level and clear your
negative thoughts. Doing the things that you love can also lower your stress
levels. Many activities and workshops on various art forms and outdoor activities are
held every other weekend or make plans with your friends and family members. It
will also strengthen the bond.<o:p></o:p></span></p>
<p class="MsoNormal"><span style="font-size: medium;"> "People who are
more socially connected to family, friends, and community are happier,
healthier, and live longer than people who are less well connected," says
Dr. Waldinger, a psychiatrist with Harvard-affiliated Massachusetts General
Hospital. Hence, it is a win-win situation in every aspect. <o:p></o:p></span></p>
<p class="MsoNormal"><span style="font-size: medium;">Investing in yourself through attending workshops, training
programs, and reading is very vital in today’s world of cutthroat competition.
Don’t rely solely on the training programs provided by your organization and
take initiative to attend some of the best events within your industry. It
will give you an edge over your colleagues who have not participated. Staying
up to date with the latest happening in your industry and taking courses to
upgrade your skills can go a long way in increasing your income potential.
Books, workshops, and courses are just a one-time investment, and you can reap the
benefits for many more years.<o:p></o:p></span></p>
<p class="MsoNormal"><b><span style="font-size: x-large;"> Financial aspect:-</span></b></p><p class="MsoNormal"><span style="font-size: medium;">We have seen how investing your money in your physical and
mental aspects can help you increase your income. But everything will come
crumbling down if you don’t manage your money wisely. A financial advisor can
help you do that. We may think that we can handle our finances, but when we are
faced with not-so-good scenarios, we fail to make the right decisions. Such
decisions may be investing in ULIPs to save tax at the last moment, investing
in five ELSS funds, withdrawing money from your provident fund after the
15-year lock-in, and shuffling between the high-performing funds. All these
financial mistakes can hurt your finances. A financial advisor will handhold
you and help you make the right financial decisions. With the right financial
advisor, your life goals are within your reach.<o:p></o:p></span></p><p class="MsoNormal"><span style="font-size: medium;"><o:p> </o:p>These are the three aspects of life where being a miser can
backfire. Remember to plan your budget properly so that you can have the best
of both worlds. </span></p><p class="MsoNormal"><span style="font-size: medium;"><o:p></o:p></span></p></div><div><span style="font-family: inherit; font-size: medium;"><br /></span></div><div><span style="font-family: inherit; font-size: medium;"><br /></span></div><div><span style="font-size: x-large;"><div class="separator" style="clear: both; text-align: center;"><div class="separator" style="clear: both; text-align: center;"><div class="separator" style="clear: both; text-align: center;"><a href="https://blogger.googleusercontent.com/img/a/AVvXsEhtG4YvXOFZZQ13H8nEhVJ4JY-z9j8HW0MX_zMFPgoK-fnicyA3z9PDEgO4tBLmX78kW2CTk6WzkTHIqYx92DghZT1dDKYhrcbxYRsKKwQD1v_VcVDrwdDt1ddxaOsz2z5qwqDtHv6kLdAKZ7U6gnx7pDCrwyV8kC_fyKGyrQI1uLvTGj0CA-l1THx5" style="margin-left: 1em; margin-right: 1em;"><img alt="" data-original-height="131" data-original-width="162" height="323" src="https://blogger.googleusercontent.com/img/a/AVvXsEhtG4YvXOFZZQ13H8nEhVJ4JY-z9j8HW0MX_zMFPgoK-fnicyA3z9PDEgO4tBLmX78kW2CTk6WzkTHIqYx92DghZT1dDKYhrcbxYRsKKwQD1v_VcVDrwdDt1ddxaOsz2z5qwqDtHv6kLdAKZ7U6gnx7pDCrwyV8kC_fyKGyrQI1uLvTGj0CA-l1THx5=w400-h323" width="400" /></a></div><h2 style="line-height: normal; margin-bottom: 0.0001pt; text-align: left;"><b><span style="font-family: georgia; font-size: large;"> AMFI Registered Mutual Fund Distributor </span></b></h2><h2 style="line-height: normal; margin-bottom: 0.0001pt; text-align: left;"><span style="font-family: georgia;"><span lang="HI" style="font-size: large;"> </span><span lang="HI" style="font-size: large;">6306522855</span><span style="font-size: large;"> </span></span></h2><div style="font-size: medium; text-align: left;"><b><span style="font-family: georgia; font-size: large;"><div class="separator" style="clear: both; font-size: medium; font-weight: 400; text-align: center;"><span style="text-align: left;"></span></div><h2 style="line-height: normal; margin-bottom: 0.0001pt;"><span style="font-size: large;"> <b>Burlington, Lucknow, </b></span><b style="font-size: large;"><span lang="HI">226001</span><span> </span></b></h2></span></b></div><div class="separator" style="clear: both; font-size: medium;"><span style="font-family: georgia; text-align: left;"><h2 style="line-height: normal; margin-bottom: 0.0001pt;"><span style="font-size: medium;"><o:p></o:p></span><span style="font-size: medium;"> customercare@vsix.co.in || www.vsix.co.in</span></h2></span></div><br /></div><br /><br /></div><br /><br /></span></div><p class="MsoNormal"><span style="font-size: 10pt; line-height: 115%;"><o:p></o:p></span></p>V6 ARTHGYAN LLPhttp://www.blogger.com/profile/18128509813979049058noreply@blogger.com0tag:blogger.com,1999:blog-4746449159280106368.post-44918698066227735502023-01-31T22:04:00.003-08:002023-01-31T22:04:35.417-08:00 म्युचुअल फंड इकाइयों के खिलाफ ऋण<p><span style="font-size: medium;"> </span></p><p><span style="font-size: x-large;"><b> <span face=""Nirmala UI", sans-serif">म्युचुअल</span>
<span face=""Nirmala UI", sans-serif">फंड</span> <span face=""Nirmala UI", sans-serif">इकाइयों</span> <span face=""Nirmala UI", sans-serif">के</span> <span face=""Nirmala UI", sans-serif">खिलाफ</span> <span face=""Nirmala UI", sans-serif">ऋण</span></b></span></p><div class="separator" style="clear: both; text-align: center;"><br /></div><span style="font-size: medium;"><br /></span><div class="separator" style="clear: both; text-align: center;"><a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEiUwB3xctIPxVA4vsJc9DsZl33cKbptu8mKv5l1crYSshl7J0cAVYonztlRmv_cQEij1i6X21HVb24J3rmPigCRzPqrvhfKmWiQC_GzBhqDfUySVhc27YXXwRGB5bTl8BaQzd-9skuV1paksPsW5mCaNsmE1hYH5TbHy2Hqys2yIJ3WxjnCf6yuaV3W/s906/Capture.PNG" style="margin-left: 1em; margin-right: 1em;"><span style="font-size: medium;"><img border="0" data-original-height="509" data-original-width="906" height="338" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEiUwB3xctIPxVA4vsJc9DsZl33cKbptu8mKv5l1crYSshl7J0cAVYonztlRmv_cQEij1i6X21HVb24J3rmPigCRzPqrvhfKmWiQC_GzBhqDfUySVhc27YXXwRGB5bTl8BaQzd-9skuV1paksPsW5mCaNsmE1hYH5TbHy2Hqys2yIJ3WxjnCf6yuaV3W/w601-h338/Capture.PNG" width="601" /></span></a></div><p></p><p><span face=""Nirmala UI", sans-serif"><span style="font-size: medium;"><br /></span></span></p><p><span style="font-size: large;"><b><span face=""Nirmala UI", sans-serif">आपात</span>
<span face=""Nirmala UI", sans-serif">स्थिति</span> <span face=""Nirmala UI", sans-serif">के</span> <span face=""Nirmala UI", sans-serif">दौरान</span> <span face=""Nirmala UI", sans-serif">म्युचुअल</span>
<span face=""Nirmala UI", sans-serif">फंड</span> <span face=""Nirmala UI", sans-serif">निवेश</span> <span face=""Nirmala UI", sans-serif">कैसे</span> <span face=""Nirmala UI", sans-serif">आपकी</span> <span face=""Nirmala UI", sans-serif">मदद</span>
<span face=""Nirmala UI", sans-serif">कर</span> <span face=""Nirmala UI", sans-serif">सकता</span> <span face=""Nirmala UI", sans-serif">है|</span></b></span></p><p class="MsoNormal"><span style="font-size: large;"><b><o:p></o:p></b></span></p>
<p class="MsoNormal"><span style="font-size: medium;"><span face=""Nirmala UI",sans-serif">किसी</span>
<span face=""Nirmala UI",sans-serif">भी</span> <span face=""Nirmala UI",sans-serif">वित्तीय</span> <span face=""Nirmala UI",sans-serif">योजना</span> <span face=""Nirmala UI",sans-serif">में</span> <span face=""Nirmala UI",sans-serif">आपात</span> <span face=""Nirmala UI",sans-serif">स्थिति</span>
<span face=""Nirmala UI",sans-serif">के</span> <span face=""Nirmala UI",sans-serif">लिए</span> <span face=""Nirmala UI",sans-serif">तैयारी</span> <span face=""Nirmala UI",sans-serif">करना</span>
<span face=""Nirmala UI",sans-serif">पहला</span> <span face=""Nirmala UI",sans-serif">कदम</span> <span face=""Nirmala UI",sans-serif">है।</span> <span face=""Nirmala UI",sans-serif">बचत</span>
<span face=""Nirmala UI",sans-serif">खाते</span> <span face=""Nirmala UI",sans-serif">या</span> <span face=""Nirmala UI",sans-serif">लिक्विड</span> <span face=""Nirmala UI",sans-serif">फंड</span>
<span face=""Nirmala UI",sans-serif">में</span> <span face=""Nirmala UI",sans-serif">एक</span> <span face=""Nirmala UI",sans-serif">निश्चित</span> <span face=""Nirmala UI",sans-serif">राशि</span>
<span face=""Nirmala UI",sans-serif">रखने</span> <span face=""Nirmala UI",sans-serif">से</span> <span face=""Nirmala UI",sans-serif">कठिन</span> <span face=""Nirmala UI",sans-serif">परिस्थितियों</span>
<span face=""Nirmala UI",sans-serif">से</span> <span face=""Nirmala UI",sans-serif">निपटने</span> <span face=""Nirmala UI",sans-serif">में</span> <span face=""Nirmala UI",sans-serif">मदद</span> <span face=""Nirmala UI",sans-serif">मिल</span>
<span face=""Nirmala UI",sans-serif">सकती</span> <span face=""Nirmala UI",sans-serif">है।</span> <span face=""Nirmala UI",sans-serif">हालांकि</span>, <span face=""Nirmala UI",sans-serif">कभी</span>-<span face=""Nirmala UI",sans-serif">कभी</span>, <span face=""Nirmala UI",sans-serif">आपातकालीन</span> <span face=""Nirmala UI",sans-serif">निधि</span>
<span face=""Nirmala UI",sans-serif">पर्याप्त</span> <span face=""Nirmala UI",sans-serif">नहीं</span> <span face=""Nirmala UI",sans-serif">हो</span> <span face=""Nirmala UI",sans-serif">सकती</span>
<span face=""Nirmala UI",sans-serif">है।</span> <span face=""Nirmala UI",sans-serif">और</span>, <span face=""Nirmala UI",sans-serif">आपको</span> <span face=""Nirmala UI",sans-serif">पैसे</span>
<span face=""Nirmala UI",sans-serif">उधार</span> <span face=""Nirmala UI",sans-serif">लेने</span> <span face=""Nirmala UI",sans-serif">पड़</span> <span face=""Nirmala UI",sans-serif">सकते</span>
<span face=""Nirmala UI",sans-serif">हैं।</span> <span face=""Nirmala UI",sans-serif">और</span> <span face=""Nirmala UI",sans-serif">संपार्श्विक</span> <span face=""Nirmala UI",sans-serif">पर</span>
<span face=""Nirmala UI",sans-serif">ऋण</span> <span face=""Nirmala UI",sans-serif">ऐसी</span> <span face=""Nirmala UI",sans-serif">स्थिति</span> <span face=""Nirmala UI",sans-serif">से</span>
<span face=""Nirmala UI",sans-serif">निपटने</span> <span face=""Nirmala UI",sans-serif">में</span> <span face=""Nirmala UI",sans-serif">मददगार</span> <span face=""Nirmala UI",sans-serif">हो</span>
<span face=""Nirmala UI",sans-serif">सकता</span> <span face=""Nirmala UI",sans-serif">है।</span><o:p></o:p></span></p>
<p class="MsoNormal"><span style="font-size: medium;"><span face=""Nirmala UI",sans-serif">आपको</span>
<span face=""Nirmala UI",sans-serif">पता</span> <span face=""Nirmala UI",sans-serif">होना</span> <span face=""Nirmala UI",sans-serif">चाहिए</span> <span face=""Nirmala UI",sans-serif">कि</span>
<span face=""Nirmala UI",sans-serif">आप</span> <span face=""Nirmala UI",sans-serif">सोने</span> <span face=""Nirmala UI",sans-serif">या</span> <span face=""Nirmala UI",sans-serif">संपत्ति</span>
<span face=""Nirmala UI",sans-serif">के</span> <span face=""Nirmala UI",sans-serif">बदले</span> <span face=""Nirmala UI",sans-serif">लोन</span> <span face=""Nirmala UI",sans-serif">ले</span>
<span face=""Nirmala UI",sans-serif">सकते</span> <span face=""Nirmala UI",sans-serif">हैं।</span> <span face=""Nirmala UI",sans-serif">लेकिन</span> <span face=""Nirmala UI",sans-serif">क्या</span>
<span face=""Nirmala UI",sans-serif">आप</span> <span face=""Nirmala UI",sans-serif">जानते</span> <span face=""Nirmala UI",sans-serif">हैं</span> <span face=""Nirmala UI",sans-serif">कि</span> <span face=""Nirmala UI",sans-serif">आप</span>
<span face=""Nirmala UI",sans-serif">अपने</span> <span face=""Nirmala UI",sans-serif">म्यूचुअल</span> <span face=""Nirmala UI",sans-serif">फंड</span> <span face=""Nirmala UI",sans-serif">निवेश</span> <span face=""Nirmala UI",sans-serif">पर</span>
<span face=""Nirmala UI",sans-serif">लोन</span> <span face=""Nirmala UI",sans-serif">ले</span> <span face=""Nirmala UI",sans-serif">सकते</span> <span face=""Nirmala UI",sans-serif">हैं</span>?
<span face=""Nirmala UI",sans-serif">इस</span> <span face=""Nirmala UI",sans-serif">ब्लॉग</span> <span face=""Nirmala UI",sans-serif">में</span> <span face=""Nirmala UI",sans-serif">हम</span> <span face=""Nirmala UI",sans-serif">म्युचुअल</span>
<span face=""Nirmala UI",sans-serif">फंड</span> <span face=""Nirmala UI",sans-serif">के</span> <span face=""Nirmala UI",sans-serif">एवज</span> <span face=""Nirmala UI",sans-serif">में</span>
<span face=""Nirmala UI",sans-serif">लोन</span> <span face=""Nirmala UI",sans-serif">देखेंगे।</span><o:p></o:p></span></p>
<p class="MsoNormal"><b><span style="font-size: large;"><span face=""Nirmala UI",sans-serif">म्यूचुअल</span>
<span face=""Nirmala UI",sans-serif">फंड</span> <span face=""Nirmala UI",sans-serif">के</span> <span face=""Nirmala UI",sans-serif">बदले</span> <span face=""Nirmala UI",sans-serif">लोन</span>
<span face=""Nirmala UI",sans-serif">क्या</span> <span face=""Nirmala UI",sans-serif">है</span>?<o:p></o:p></span></b></p>
<p class="MsoNormal"><span style="font-size: medium;"><span face=""Nirmala UI",sans-serif">म्युचुअल</span>
<span face=""Nirmala UI",sans-serif">फंड</span> <span face=""Nirmala UI",sans-serif">के</span> <span face=""Nirmala UI",sans-serif">एवज</span> <span face=""Nirmala UI",sans-serif">में</span>
<span face=""Nirmala UI",sans-serif">लिया</span> <span face=""Nirmala UI",sans-serif">गया</span> <span face=""Nirmala UI",sans-serif">लोन</span> <span face=""Nirmala UI",sans-serif">संपार्श्विक</span>
<span face=""Nirmala UI",sans-serif">द्वारा</span> <span face=""Nirmala UI",sans-serif">समर्थित</span> <span face=""Nirmala UI",sans-serif">अन्य</span> <span face=""Nirmala UI",sans-serif">ऋणों</span> <span face=""Nirmala UI",sans-serif">की</span>
<span face=""Nirmala UI",sans-serif">तरह</span> <span face=""Nirmala UI",sans-serif">ही</span> <span face=""Nirmala UI",sans-serif">है।</span> <span face=""Nirmala UI",sans-serif">इस</span>
<span face=""Nirmala UI",sans-serif">मामले</span> <span face=""Nirmala UI",sans-serif">में</span>, <span face=""Nirmala UI",sans-serif">संपार्श्विक</span> <span face=""Nirmala UI",sans-serif">आपका</span>
<span face=""Nirmala UI",sans-serif">म्यूचुअल</span> <span face=""Nirmala UI",sans-serif">फंड</span> <span face=""Nirmala UI",sans-serif">निवेश</span> <span face=""Nirmala UI",sans-serif">है।</span>
<span face=""Nirmala UI",sans-serif">एक</span> <span face=""Nirmala UI",sans-serif">वित्तीय</span> <span face=""Nirmala UI",sans-serif">संस्थान</span> <span face=""Nirmala UI",sans-serif">जैसे</span> <span face=""Nirmala UI",sans-serif">बैंक</span> <span face=""Nirmala UI",sans-serif">आपकी</span>
<span face=""Nirmala UI",sans-serif">म्युचुअल</span> <span face=""Nirmala UI",sans-serif">फंड</span> <span face=""Nirmala UI",sans-serif">इकाइयों</span> <span face=""Nirmala UI",sans-serif">के</span>
<span face=""Nirmala UI",sans-serif">खिलाफ</span> <span face=""Nirmala UI",sans-serif">एक</span> <span face=""Nirmala UI",sans-serif">ग्रहणाधिकार</span> <span face=""Nirmala UI",sans-serif">को</span>
<span face=""Nirmala UI",sans-serif">चिह्नित</span> <span face=""Nirmala UI",sans-serif">करता</span> <span face=""Nirmala UI",sans-serif">है</span> <span face=""Nirmala UI",sans-serif">और</span>
<span face=""Nirmala UI",sans-serif">ऋण</span> <span face=""Nirmala UI",sans-serif">राशि</span> <span face=""Nirmala UI",sans-serif">का</span> <span face=""Nirmala UI",sans-serif">वितरण</span>
<span face=""Nirmala UI",sans-serif">करता</span> <span face=""Nirmala UI",sans-serif">है।</span> <span face=""Nirmala UI",sans-serif">एक</span> <span face=""Nirmala UI",sans-serif">बार</span>
<span face=""Nirmala UI",sans-serif">जब</span> <span face=""Nirmala UI",sans-serif">वे</span> <span face=""Nirmala UI",sans-serif">ग्रहणाधिकार</span> <span face=""Nirmala UI",sans-serif">चिह्नित</span>
<span face=""Nirmala UI",sans-serif">कर</span> <span face=""Nirmala UI",sans-serif">लेते</span> <span face=""Nirmala UI",sans-serif">हैं</span>, <span face=""Nirmala UI",sans-serif">तो</span>
<span face=""Nirmala UI",sans-serif">बैंक</span> <span face=""Nirmala UI",sans-serif">के</span> <span face=""Nirmala UI",sans-serif">पास</span> <span face=""Nirmala UI",sans-serif">आपकी</span>
<span face=""Nirmala UI",sans-serif">निधि</span> <span face=""Nirmala UI",sans-serif">इकाइयों</span> <span face=""Nirmala UI",sans-serif">का</span> <span face=""Nirmala UI",sans-serif">स्वामित्व</span> <span face=""Nirmala UI",sans-serif">हो</span>
<span face=""Nirmala UI",sans-serif">जाएगा।</span> <span face=""Nirmala UI",sans-serif">यह</span> <span face=""Nirmala UI",sans-serif">याद</span> <span face=""Nirmala UI",sans-serif">रखना</span>
<span face=""Nirmala UI",sans-serif">चाहिए</span> <span face=""Nirmala UI",sans-serif">कि</span> <span face=""Nirmala UI",sans-serif">बैंक</span> <span face=""Nirmala UI",sans-serif">आपकी</span>
<span face=""Nirmala UI",sans-serif">म्युचुअल</span> <span face=""Nirmala UI",sans-serif">फंड</span> <span face=""Nirmala UI",sans-serif">इकाइयों</span> <span face=""Nirmala UI",sans-serif">के</span>
<span face=""Nirmala UI",sans-serif">खिलाफ</span> <span face=""Nirmala UI",sans-serif">ग्रहणाधिकार</span> <span face=""Nirmala UI",sans-serif">रखता</span> <span face=""Nirmala UI",sans-serif">है</span> <span face=""Nirmala UI",sans-serif">न</span>
<span face=""Nirmala UI",sans-serif">कि</span> <span face=""Nirmala UI",sans-serif">आपकी</span> <span face=""Nirmala UI",sans-serif">निवेश</span> <span face=""Nirmala UI",sans-serif">राशि</span>
<span face=""Nirmala UI",sans-serif">या</span> <span face=""Nirmala UI",sans-serif">आपके</span> <span face=""Nirmala UI",sans-serif">निवेश</span> <span face=""Nirmala UI",sans-serif">के</span>
<span face=""Nirmala UI",sans-serif">वर्तमान</span> <span face=""Nirmala UI",sans-serif">मूल्य</span> <span face=""Nirmala UI",sans-serif">पर।</span> <span face=""Nirmala UI",sans-serif">इसलिए</span>, <span face=""Nirmala UI",sans-serif">एक</span>
<span face=""Nirmala UI",sans-serif">बार</span> <span face=""Nirmala UI",sans-serif">ग्रहणाधिकार</span> <span face=""Nirmala UI",sans-serif">चिह्नित</span> <span face=""Nirmala UI",sans-serif">हो</span> <span face=""Nirmala UI",sans-serif">जाने</span> <span face=""Nirmala UI",sans-serif">के</span>
<span face=""Nirmala UI",sans-serif">बाद</span>, <span face=""Nirmala UI",sans-serif">आपके</span> <span face=""Nirmala UI",sans-serif">पास</span> <span face=""Nirmala UI",sans-serif">अपनी</span>
<span face=""Nirmala UI",sans-serif">इकाइयों</span> <span face=""Nirmala UI",sans-serif">तक</span> <span face=""Nirmala UI",sans-serif">पहुंच</span> <span face=""Nirmala UI",sans-serif">नहीं</span>
<span face=""Nirmala UI",sans-serif">होती</span> <span face=""Nirmala UI",sans-serif">है।</span> <span face=""Nirmala UI",sans-serif">इसका</span> <span face=""Nirmala UI",sans-serif">मतलब</span>
<span face=""Nirmala UI",sans-serif">यह</span> <span face=""Nirmala UI",sans-serif">है</span> <span face=""Nirmala UI",sans-serif">कि</span> <span face=""Nirmala UI",sans-serif">जब</span>
<span face=""Nirmala UI",sans-serif">तक</span> <span face=""Nirmala UI",sans-serif">आप</span> <span face=""Nirmala UI",sans-serif">ऋण</span> <span face=""Nirmala UI",sans-serif">चुका</span>
<span face=""Nirmala UI",sans-serif">नहीं</span> <span face=""Nirmala UI",sans-serif">देते</span> <span face=""Nirmala UI",sans-serif">तब</span> <span face=""Nirmala UI",sans-serif">तक</span>
<span face=""Nirmala UI",sans-serif">आप</span> <span face=""Nirmala UI",sans-serif">उन</span> <span face=""Nirmala UI",sans-serif">इकाइयों</span> <span face=""Nirmala UI",sans-serif">को</span>
<span face=""Nirmala UI",sans-serif">रिडीम</span> <span face=""Nirmala UI",sans-serif">नहीं</span> <span face=""Nirmala UI",sans-serif">कर</span> <span face=""Nirmala UI",sans-serif">सकते।</span><o:p></o:p></span></p>
<p class="MsoNormal"><span style="font-size: medium;"><span face=""Nirmala UI",sans-serif">और</span> <span face=""Nirmala UI",sans-serif">अन्य</span> <span face=""Nirmala UI",sans-serif">ऋणों</span> <span face=""Nirmala UI",sans-serif">की</span>
<span face=""Nirmala UI",sans-serif">तरह</span>, <span face=""Nirmala UI",sans-serif">बैंक</span> <span face=""Nirmala UI",sans-serif">आपकी</span> <span face=""Nirmala UI",sans-serif">इकाइयों</span>
<span face=""Nirmala UI",sans-serif">की</span> <span face=""Nirmala UI",sans-serif">संख्या</span>, <span face=""Nirmala UI",sans-serif">म्यूचुअल</span> <span face=""Nirmala UI",sans-serif">फंड</span> <span face=""Nirmala UI",sans-serif">के</span> <span face=""Nirmala UI",sans-serif">प्रकार</span>
<span face=""Nirmala UI",sans-serif">और</span> <span face=""Nirmala UI",sans-serif">ऋण</span> <span face=""Nirmala UI",sans-serif">अवधि</span> <span face=""Nirmala UI",sans-serif">के</span>
<span face=""Nirmala UI",sans-serif">आधार</span> <span face=""Nirmala UI",sans-serif">पर</span> <span face=""Nirmala UI",sans-serif">ऋण</span> <span face=""Nirmala UI",sans-serif">की</span>
<span face=""Nirmala UI",sans-serif">राशि</span> <span face=""Nirmala UI",sans-serif">तय</span> <span face=""Nirmala UI",sans-serif">करेंगे।</span> <span face=""Nirmala UI", sans-serif">जैसे</span>
<span face=""Nirmala UI", sans-serif">ही</span> <span face=""Nirmala UI", sans-serif">आप</span> <span face=""Nirmala UI", sans-serif">ऋण</span> <span face=""Nirmala UI", sans-serif">चुकाते</span>
<span face=""Nirmala UI", sans-serif">हैं</span>, <span face=""Nirmala UI", sans-serif">ग्रहणाधिकार</span> <span face=""Nirmala UI", sans-serif">हट</span> <span face=""Nirmala UI", sans-serif">जाता</span> <span face=""Nirmala UI", sans-serif">है।</span></span></p><p class="MsoNormal"><span style="font-size: medium;"><o:p></o:p></span></p>
<p class="MsoNormal"><b><span style="font-size: large;"><span face=""Nirmala UI",sans-serif">मैं</span>
<span face=""Nirmala UI",sans-serif">म्युचुअल</span> <span face=""Nirmala UI",sans-serif">फंड</span> <span face=""Nirmala UI",sans-serif">पर</span> <span face=""Nirmala UI",sans-serif">ऋण</span>
<span face=""Nirmala UI",sans-serif">के</span> <span face=""Nirmala UI",sans-serif">लिए</span> <span face=""Nirmala UI",sans-serif">कैसे</span> <span face=""Nirmala UI",sans-serif">आवेदन</span>
<span face=""Nirmala UI",sans-serif">कर</span> <span face=""Nirmala UI",sans-serif">सकता</span> <span face=""Nirmala UI",sans-serif">हूं</span>?<o:p></o:p></span></b></p>
<p class="MsoNormal"><span style="font-size: medium;"><span face=""Nirmala UI",sans-serif">आजकल</span>,
<span face=""Nirmala UI",sans-serif">अधिकांश</span> <span face=""Nirmala UI",sans-serif">बैंक</span> <span face=""Nirmala UI",sans-serif">अपनी</span> <span face=""Nirmala UI",sans-serif">ओवरड्राफ्ट</span>
<span face=""Nirmala UI",sans-serif">सुविधा</span> <span face=""Nirmala UI",sans-serif">के</span> <span face=""Nirmala UI",sans-serif">समान</span> <span face=""Nirmala UI",sans-serif">म्युचुअल</span>
<span face=""Nirmala UI",sans-serif">फंड</span> <span face=""Nirmala UI",sans-serif">के</span> <span face=""Nirmala UI",sans-serif">विरुद्ध</span> <span face=""Nirmala UI",sans-serif">तत्काल</span>
<span face=""Nirmala UI",sans-serif">ऋण</span> <span face=""Nirmala UI",sans-serif">प्रदान</span> <span face=""Nirmala UI",sans-serif">करते</span> <span face=""Nirmala UI",sans-serif">हैं।</span><o:p></o:p></span></p>
<p class="MsoNormal"><span style="font-size: medium;"><span face=""Nirmala UI",sans-serif">आपका</span>
<span face=""Nirmala UI",sans-serif">बैंक</span> <span face=""Nirmala UI",sans-serif">के</span> <span face=""Nirmala UI",sans-serif">साथ</span> <span face=""Nirmala UI",sans-serif">एक</span>
<span face=""Nirmala UI",sans-serif">ऋण</span> <span face=""Nirmala UI",sans-serif">समझौता</span> <span face=""Nirmala UI",sans-serif">होगा।</span> <span face=""Nirmala UI",sans-serif">ऋणदाता</span> <span face=""Nirmala UI",sans-serif">सीएएमएस</span> <span face=""Nirmala UI",sans-serif">या</span> <span face=""Nirmala UI",sans-serif">कार्वी</span> <span face=""Nirmala UI",sans-serif">जैसे</span>
<span face=""Nirmala UI",sans-serif">म्युचुअल</span> <span face=""Nirmala UI",sans-serif">फंड</span> <span face=""Nirmala UI",sans-serif">रजिस्ट्रार</span> <span face=""Nirmala UI",sans-serif">को</span>
<span face=""Nirmala UI",sans-serif">गिरवी</span> <span face=""Nirmala UI",sans-serif">रखी</span> <span face=""Nirmala UI",sans-serif">गई</span> <span face=""Nirmala UI",sans-serif">इकाइयों</span>
<span face=""Nirmala UI",sans-serif">की</span> <span face=""Nirmala UI",sans-serif">मात्रा</span> <span face=""Nirmala UI",sans-serif">पर</span> <span face=""Nirmala UI",sans-serif">ग्रहणाधिकार</span> <span face=""Nirmala UI",sans-serif">रखने</span>
<span face=""Nirmala UI",sans-serif">का</span> <span face=""Nirmala UI",sans-serif">निर्देश</span> <span face=""Nirmala UI",sans-serif">देता</span> <span face=""Nirmala UI",sans-serif">है।</span> <span face=""Nirmala UI",sans-serif">रजिस्ट्रार</span>
<span face=""Nirmala UI",sans-serif">तब</span> <span face=""Nirmala UI",sans-serif">ग्रहणाधिकार</span> <span face=""Nirmala UI",sans-serif">पर</span> <span face=""Nirmala UI",sans-serif">मुहर</span> <span face=""Nirmala UI",sans-serif">लगाता</span>
<span face=""Nirmala UI",sans-serif">है</span> <span face=""Nirmala UI",sans-serif">और</span> <span face=""Nirmala UI",sans-serif">ऋणदाता</span> <span face=""Nirmala UI",sans-serif">को</span>
<span face=""Nirmala UI",sans-serif">एक</span> <span face=""Nirmala UI",sans-serif">पत्र</span> <span face=""Nirmala UI",sans-serif">भेजता</span> <span face=""Nirmala UI",sans-serif">है</span>,
<span face=""Nirmala UI",sans-serif">जिसकी</span> <span face=""Nirmala UI",sans-serif">एक</span> <span face=""Nirmala UI",sans-serif">प्रति</span> <span face=""Nirmala UI",sans-serif">उधारकर्ता</span>
<span face=""Nirmala UI",sans-serif">को</span> <span face=""Nirmala UI",sans-serif">दावे</span> <span face=""Nirmala UI",sans-serif">की</span> <span face=""Nirmala UI",sans-serif">पुष्टि</span>
<span face=""Nirmala UI",sans-serif">करती</span> <span face=""Nirmala UI",sans-serif">है।</span><o:p></o:p></span></p>
<p class="MsoNormal"><b><span style="font-size: large;"><span face=""Nirmala UI",sans-serif">अपनी</span>
<span face=""Nirmala UI",sans-serif">म्युचुअल</span> <span face=""Nirmala UI",sans-serif">फंड</span> <span face=""Nirmala UI",sans-serif">इकाइयों</span> <span face=""Nirmala UI",sans-serif">के</span>
<span face=""Nirmala UI",sans-serif">बदले</span> <span face=""Nirmala UI",sans-serif">उधार</span> <span face=""Nirmala UI",sans-serif">लेने</span> <span face=""Nirmala UI",sans-serif">से</span>
<span face=""Nirmala UI",sans-serif">पहले</span> <span face=""Nirmala UI",sans-serif">किन</span> <span face=""Nirmala UI",sans-serif">बातों</span> <span face=""Nirmala UI",sans-serif">का</span>
<span face=""Nirmala UI",sans-serif">ध्यान</span> <span face=""Nirmala UI",sans-serif">रखें|</span><o:p></o:p></span></b></p>
<p class="MsoNormal"><span style="font-size: medium;"><span face=""Nirmala UI",sans-serif">आप</span> <span face=""Nirmala UI",sans-serif">विभिन्न</span> <span face=""Nirmala UI",sans-serif">प्रकार</span> <span face=""Nirmala UI",sans-serif">के</span> <span face=""Nirmala UI",sans-serif">म्यूचुअल</span> <span face=""Nirmala UI",sans-serif">फंड</span>
<span face=""Nirmala UI",sans-serif">जैसे</span> <span face=""Nirmala UI",sans-serif">इक्विटी</span> <span face=""Nirmala UI",sans-serif">फंड</span>, <span face=""Nirmala UI",sans-serif">डेट</span> <span face=""Nirmala UI",sans-serif">फंड</span>
<span face=""Nirmala UI",sans-serif">और</span> <span face=""Nirmala UI",sans-serif">हाइब्रिड</span> <span face=""Nirmala UI",sans-serif">फंड</span> <span face=""Nirmala UI",sans-serif">के</span> <span face=""Nirmala UI",sans-serif">खिलाफ</span>
<span face=""Nirmala UI",sans-serif">उधार</span> <span face=""Nirmala UI",sans-serif">ले</span> <span face=""Nirmala UI",sans-serif">सकते</span> <span face=""Nirmala UI",sans-serif">हैं।</span>
<span face=""Nirmala UI",sans-serif">हालाँकि</span>, <span face=""Nirmala UI",sans-serif">आपको</span> <span face=""Nirmala UI",sans-serif">जो</span> <span face=""Nirmala UI",sans-serif">ऋण</span>
<span face=""Nirmala UI",sans-serif">मिल</span> <span face=""Nirmala UI",sans-serif">सकता</span> <span face=""Nirmala UI",sans-serif">है</span>, <span face=""Nirmala UI",sans-serif">वह</span>
<span face=""Nirmala UI",sans-serif">म्यूचुअल</span> <span face=""Nirmala UI",sans-serif">फंड</span> <span face=""Nirmala UI",sans-serif">के</span> <span face=""Nirmala UI",sans-serif">प्रकार</span>
<span face=""Nirmala UI",sans-serif">पर</span> <span face=""Nirmala UI",sans-serif">निर्भर</span> <span face=""Nirmala UI",sans-serif">करता</span> <span face=""Nirmala UI",sans-serif">है।</span> <span face=""Nirmala UI",sans-serif">अलग</span>-<span face=""Nirmala UI",sans-serif">अलग</span> <span face=""Nirmala UI",sans-serif">बैंकों</span> <span face=""Nirmala UI",sans-serif">के</span>
<span face=""Nirmala UI",sans-serif">अलग</span>-<span face=""Nirmala UI",sans-serif">अलग</span> <span face=""Nirmala UI",sans-serif">मापदंड</span> <span face=""Nirmala UI",sans-serif">होंगे।</span>
<span face=""Nirmala UI",sans-serif">उदाहरण</span> <span face=""Nirmala UI",sans-serif">के</span> <span face=""Nirmala UI",sans-serif">लिए</span>, <span face=""Nirmala UI",sans-serif">हम</span>
<span face=""Nirmala UI",sans-serif">इक्विटी</span> <span face=""Nirmala UI",sans-serif">फंड</span> <span face=""Nirmala UI",sans-serif">के</span> <span face=""Nirmala UI",sans-serif">साथ</span>
<span face=""Nirmala UI",sans-serif">आपके</span> <span face=""Nirmala UI",sans-serif">म्यूचुअल</span> <span face=""Nirmala UI",sans-serif">फंड</span> <span face=""Nirmala UI",sans-serif">मूल्य</span> <span face=""Nirmala UI",sans-serif">का</span>
50% <span face=""Nirmala UI",sans-serif">और</span> <span face=""Nirmala UI",sans-serif">डेट</span> <span face=""Nirmala UI",sans-serif">म्यूचुअल</span> <span face=""Nirmala UI",sans-serif">फंड</span>
<span face=""Nirmala UI",sans-serif">के</span> <span face=""Nirmala UI",sans-serif">साथ</span> 80% <span face=""Nirmala UI",sans-serif">तक</span> <span face=""Nirmala UI",sans-serif">उधार</span> <span face=""Nirmala UI",sans-serif">ले</span>
<span face=""Nirmala UI",sans-serif">सकते</span> <span face=""Nirmala UI",sans-serif">हैं।</span><o:p></o:p></span></p>
<p class="MsoNormal"><span style="font-size: medium;"><span face=""Nirmala UI",sans-serif">एक</span> <span face=""Nirmala UI",sans-serif">न्यूनतम</span> <span face=""Nirmala UI",sans-serif">और</span> <span face=""Nirmala UI",sans-serif">अधिकतम</span> <span face=""Nirmala UI",sans-serif">राशि</span>
<span face=""Nirmala UI",sans-serif">होगी</span> <span face=""Nirmala UI",sans-serif">जो</span> <span face=""Nirmala UI",sans-serif">आप</span> <span face=""Nirmala UI",sans-serif">अपने</span>
<span face=""Nirmala UI",sans-serif">फंड</span> <span face=""Nirmala UI",sans-serif">यूनिट्स</span> <span face=""Nirmala UI",sans-serif">के</span> <span face=""Nirmala UI",sans-serif">एवज</span> <span face=""Nirmala UI",sans-serif">में</span>
<span face=""Nirmala UI",sans-serif">उधार</span> <span face=""Nirmala UI",sans-serif">ले</span> <span face=""Nirmala UI",sans-serif">सकते</span> <span face=""Nirmala UI",sans-serif">हैं।</span>
<span face=""Nirmala UI",sans-serif">यह</span> <span face=""Nirmala UI",sans-serif">राशि</span> <span face=""Nirmala UI",sans-serif">बैंकों</span> <span face=""Nirmala UI",sans-serif">के</span>
<span face=""Nirmala UI",sans-serif">बीच</span> <span face=""Nirmala UI",sans-serif">अलग</span>-<span face=""Nirmala UI",sans-serif">अलग</span> <span face=""Nirmala UI",sans-serif">होगी।</span><o:p></o:p></span></p>
<p class="MsoNormal"><span style="font-size: medium;"><span face=""Nirmala UI",sans-serif">बैंक</span>
<span face=""Nirmala UI",sans-serif">हर</span> <span face=""Nirmala UI",sans-serif">म्युचुअल</span> <span face=""Nirmala UI",sans-serif">फंड</span> <span face=""Nirmala UI",sans-serif">के</span> <span face=""Nirmala UI",sans-serif">बदले</span>
<span face=""Nirmala UI",sans-serif">कर्ज</span> <span face=""Nirmala UI",sans-serif">नहीं</span> <span face=""Nirmala UI",sans-serif">दे</span> <span face=""Nirmala UI",sans-serif">सकते।</span>
<span face=""Nirmala UI",sans-serif">प्रत्येक</span> <span face=""Nirmala UI",sans-serif">बैंक</span> <span face=""Nirmala UI",sans-serif">के</span> <span face=""Nirmala UI",sans-serif">पास</span>
<span face=""Nirmala UI",sans-serif">म्यूचुअल</span> <span face=""Nirmala UI",sans-serif">फंड</span> <span face=""Nirmala UI",sans-serif">की</span> <span face=""Nirmala UI",sans-serif">एक</span>
<span face=""Nirmala UI",sans-serif">अनुमोदित</span> <span face=""Nirmala UI",sans-serif">सूची</span> <span face=""Nirmala UI",sans-serif">होती</span> <span face=""Nirmala UI",sans-serif">है।</span>
<span face=""Nirmala UI",sans-serif">उदाहरण</span> <span face=""Nirmala UI",sans-serif">के</span> <span face=""Nirmala UI",sans-serif">लिए</span>, <span face=""Nirmala UI",sans-serif">आईसीआईसीआई</span>
<span face=""Nirmala UI",sans-serif">बैंक</span> <span face=""Nirmala UI",sans-serif">सीएएमएस</span> <span face=""Nirmala UI",sans-serif">के</span> <span face=""Nirmala UI",sans-serif">साथ</span> <span face=""Nirmala UI",sans-serif">पंजीकृत</span>
<span face=""Nirmala UI",sans-serif">म्युचुअल</span> <span face=""Nirmala UI",sans-serif">फंड</span> <span face=""Nirmala UI",sans-serif">के</span> <span face=""Nirmala UI",sans-serif">खिलाफ</span>
<span face=""Nirmala UI",sans-serif">ऋण</span> <span face=""Nirmala UI",sans-serif">प्रदान</span> <span face=""Nirmala UI",sans-serif">करता</span> <span face=""Nirmala UI",sans-serif">है।</span><o:p></o:p></span></p>
<p class="MsoNormal"><b><span style="font-size: large;"><span face=""Nirmala UI",sans-serif">म्युचुअल</span>
<span face=""Nirmala UI",sans-serif">फंड</span> <span face=""Nirmala UI",sans-serif">के</span> <span face=""Nirmala UI",sans-serif">बदले</span> <span face=""Nirmala UI",sans-serif">कर्ज</span>
<span face=""Nirmala UI",sans-serif">लेने</span> <span face=""Nirmala UI",sans-serif">के</span> <span face=""Nirmala UI",sans-serif">फायदे</span><o:p></o:p></span></b></p>
<p class="MsoNormal"><span style="font-size: medium;"><span face=""Nirmala UI",sans-serif">अपने</span>
<span face=""Nirmala UI",sans-serif">म्यूचुअल</span> <span face=""Nirmala UI",sans-serif">फंड</span> <span face=""Nirmala UI",sans-serif">यूनिट्स</span> <span face=""Nirmala UI",sans-serif">को</span>
<span face=""Nirmala UI",sans-serif">बेचने</span> <span face=""Nirmala UI",sans-serif">के</span> <span face=""Nirmala UI",sans-serif">बजाय</span> <span face=""Nirmala UI",sans-serif">म्यूचुअल</span>
<span face=""Nirmala UI",sans-serif">फंड</span> <span face=""Nirmala UI",sans-serif">के</span> <span face=""Nirmala UI",sans-serif">बदले</span> <span face=""Nirmala UI",sans-serif">लोन</span>
<span face=""Nirmala UI",sans-serif">लेना</span> <span face=""Nirmala UI",sans-serif">एक</span> <span face=""Nirmala UI",sans-serif">बेहतर</span> <span face=""Nirmala UI",sans-serif">विकल्प</span>
<span face=""Nirmala UI",sans-serif">हो</span> <span face=""Nirmala UI",sans-serif">सकता</span> <span face=""Nirmala UI",sans-serif">है।</span> <span face=""Nirmala UI",sans-serif">म्यूचुअल</span>
<span face=""Nirmala UI",sans-serif">फंड</span> <span face=""Nirmala UI",sans-serif">के</span> <span face=""Nirmala UI",sans-serif">बदले</span> <span face=""Nirmala UI",sans-serif">लोन</span>
<span face=""Nirmala UI",sans-serif">लेने</span> <span face=""Nirmala UI",sans-serif">के</span> <span face=""Nirmala UI",sans-serif">कुछ</span> <span face=""Nirmala UI",sans-serif">फायदे</span>
<span face=""Nirmala UI",sans-serif">यहां</span> <span face=""Nirmala UI",sans-serif">दिए</span> <span face=""Nirmala UI",sans-serif">गए</span> <span face=""Nirmala UI",sans-serif">हैं।</span><o:p></o:p></span></p>
<p class="MsoNormal"><span style="font-size: medium;"><span face=""Nirmala UI",sans-serif">किसी</span>
<span face=""Nirmala UI",sans-serif">आपात</span> <span face=""Nirmala UI",sans-serif">स्थिति</span> <span face=""Nirmala UI",sans-serif">से</span> <span face=""Nirmala UI",sans-serif">निपटना</span>: <span face=""Nirmala UI",sans-serif">यह</span>
<span face=""Nirmala UI",sans-serif">संकट</span> <span face=""Nirmala UI",sans-serif">के</span> <span face=""Nirmala UI",sans-serif">दौरान</span> <span face=""Nirmala UI",sans-serif">विशेष</span>
<span face=""Nirmala UI",sans-serif">रूप</span> <span face=""Nirmala UI",sans-serif">से</span> <span face=""Nirmala UI",sans-serif">उपयोगी</span> <span face=""Nirmala UI",sans-serif">होता</span>
<span face=""Nirmala UI",sans-serif">है</span> <span face=""Nirmala UI",sans-serif">क्योंकि</span> <span face=""Nirmala UI",sans-serif">आप</span> <span face=""Nirmala UI",sans-serif">अपनी</span> <span face=""Nirmala UI",sans-serif">म्यूचुअल</span>
<span face=""Nirmala UI",sans-serif">फंड</span> <span face=""Nirmala UI",sans-serif">इकाइयों</span> <span face=""Nirmala UI",sans-serif">को</span> <span face=""Nirmala UI",sans-serif">गिरवी</span> <span face=""Nirmala UI",sans-serif">रख</span>
<span face=""Nirmala UI",sans-serif">सकते</span> <span face=""Nirmala UI",sans-serif">हैं</span> <span face=""Nirmala UI",sans-serif">और</span> <span face=""Nirmala UI",sans-serif">तुरंत</span>
<span face=""Nirmala UI",sans-serif">अपने</span> <span face=""Nirmala UI",sans-serif">बैंक</span> <span face=""Nirmala UI",sans-serif">खाते</span> <span face=""Nirmala UI",sans-serif">में</span>
<span face=""Nirmala UI",sans-serif">पैसा</span> <span face=""Nirmala UI",sans-serif">प्राप्त</span> <span face=""Nirmala UI",sans-serif">कर</span> <span face=""Nirmala UI",sans-serif">सकते</span> <span face=""Nirmala UI",sans-serif">हैं।</span><o:p></o:p></span></p>
<p class="MsoNormal"><span style="font-size: medium;"><span face=""Nirmala UI",sans-serif">अल्पकालिक</span>
<span face=""Nirmala UI",sans-serif">वित्तीय</span> <span face=""Nirmala UI",sans-serif">जरूरतों</span> <span face=""Nirmala UI",sans-serif">को</span> <span face=""Nirmala UI",sans-serif">पूरा</span> <span face=""Nirmala UI",sans-serif">करें</span>:
<span face=""Nirmala UI",sans-serif">म्यूचुअल</span> <span face=""Nirmala UI",sans-serif">फंड</span> <span face=""Nirmala UI",sans-serif">के</span> <span face=""Nirmala UI",sans-serif">बदले</span>
<span face=""Nirmala UI",sans-serif">ऋण</span> <span face=""Nirmala UI",sans-serif">अल्पकालिक</span> <span face=""Nirmala UI",sans-serif">वित्तीय</span> <span face=""Nirmala UI",sans-serif">जरूरतों</span> <span face=""Nirmala UI",sans-serif">के</span> <span face=""Nirmala UI",sans-serif">लिए</span> <span face=""Nirmala UI",sans-serif">धन</span>
<span face=""Nirmala UI",sans-serif">जुटाने</span> <span face=""Nirmala UI",sans-serif">का</span> <span face=""Nirmala UI",sans-serif">एक</span> <span face=""Nirmala UI",sans-serif">अनूठा</span>
<span face=""Nirmala UI",sans-serif">तरीका</span> <span face=""Nirmala UI",sans-serif">हो</span> <span face=""Nirmala UI",sans-serif">सकता</span> <span face=""Nirmala UI",sans-serif">है।</span>
<span face=""Nirmala UI",sans-serif">आप</span> <span face=""Nirmala UI",sans-serif">छोटी</span> <span face=""Nirmala UI",sans-serif">अवधि</span> <span face=""Nirmala UI",sans-serif">के</span>
<span face=""Nirmala UI",sans-serif">लिए</span> <span face=""Nirmala UI",sans-serif">अपनी</span> <span face=""Nirmala UI",sans-serif">एमएफ</span> <span face=""Nirmala UI",sans-serif">इकाइयों</span>
<span face=""Nirmala UI",sans-serif">के</span> <span face=""Nirmala UI",sans-serif">खिलाफ</span> <span face=""Nirmala UI",sans-serif">पैसा</span> <span face=""Nirmala UI",sans-serif">उधार</span> <span face=""Nirmala UI",sans-serif">ले</span>
<span face=""Nirmala UI",sans-serif">सकते</span> <span face=""Nirmala UI",sans-serif">हैं</span> <span face=""Nirmala UI",sans-serif">और</span> <span face=""Nirmala UI",sans-serif">अपने</span>
<span face=""Nirmala UI",sans-serif">म्यूचुअल</span> <span face=""Nirmala UI",sans-serif">फंड</span> <span face=""Nirmala UI",sans-serif">यूनिट</span> <span face=""Nirmala UI",sans-serif">के</span>
<span face=""Nirmala UI",sans-serif">स्वामित्व</span> <span face=""Nirmala UI",sans-serif">को</span> <span face=""Nirmala UI",sans-serif">खतरे</span> <span face=""Nirmala UI",sans-serif">में</span>
<span face=""Nirmala UI",sans-serif">डाले</span> <span face=""Nirmala UI",sans-serif">बिना</span> <span face=""Nirmala UI",sans-serif">इसे</span> <span face=""Nirmala UI",sans-serif">समय</span>
<span face=""Nirmala UI",sans-serif">के</span> <span face=""Nirmala UI",sans-serif">साथ</span> <span face=""Nirmala UI",sans-serif">चुका</span> <span face=""Nirmala UI",sans-serif">सकते</span>
<span face=""Nirmala UI",sans-serif">हैं।</span><o:p></o:p></span></p>
<p class="MsoNormal"><span style="font-size: medium;"><span face=""Nirmala UI",sans-serif">कम</span> <span face=""Nirmala UI",sans-serif">ब्याज</span> <span face=""Nirmala UI",sans-serif">दर</span>: <span face=""Nirmala UI",sans-serif">म्युचुअल</span> <span face=""Nirmala UI",sans-serif">फंड</span>
<span face=""Nirmala UI",sans-serif">द्वारा</span> <span face=""Nirmala UI",sans-serif">सुरक्षित</span> <span face=""Nirmala UI",sans-serif">ऋण</span> <span face=""Nirmala UI",sans-serif">पर</span> <span face=""Nirmala UI",sans-serif">ब्याज</span>
<span face=""Nirmala UI",sans-serif">दर</span> <span face=""Nirmala UI",sans-serif">व्यक्तिगत</span> <span face=""Nirmala UI",sans-serif">ऋण</span> <span face=""Nirmala UI",sans-serif">जैसे</span> <span face=""Nirmala UI",sans-serif">असुरक्षित</span>
<span face=""Nirmala UI",sans-serif">ऋण</span> <span face=""Nirmala UI",sans-serif">की</span> <span face=""Nirmala UI",sans-serif">तुलना</span> <span face=""Nirmala UI",sans-serif">में</span>
<span face=""Nirmala UI",sans-serif">सस्ती</span> <span face=""Nirmala UI",sans-serif">हो</span> <span face=""Nirmala UI",sans-serif">सकती</span> <span face=""Nirmala UI",sans-serif">है।</span><o:p></o:p></span></p>
<p class="MsoNormal"><span style="font-size: medium;"><span face=""Nirmala UI",sans-serif">आपकी</span>
<span face=""Nirmala UI",sans-serif">इकाइयां</span> <span face=""Nirmala UI",sans-serif">निवेशित</span> <span face=""Nirmala UI",sans-serif">रहती</span> <span face=""Nirmala UI",sans-serif">हैं</span>: <span face=""Nirmala UI",sans-serif">यदि</span>
<span face=""Nirmala UI",sans-serif">आप</span> <span face=""Nirmala UI",sans-serif">उनके</span> <span face=""Nirmala UI",sans-serif">बदले</span> <span face=""Nirmala UI",sans-serif">ऋण</span>
<span face=""Nirmala UI",sans-serif">लेते</span> <span face=""Nirmala UI",sans-serif">हैं</span> <span face=""Nirmala UI",sans-serif">तो</span> <span face=""Nirmala UI",sans-serif">आपको</span>
<span face=""Nirmala UI",sans-serif">अपनी</span> <span face=""Nirmala UI",sans-serif">म्यूचुअल</span> <span face=""Nirmala UI",sans-serif">फंड</span> <span face=""Nirmala UI",sans-serif">इकाइयों</span> <span face=""Nirmala UI",sans-serif">को</span>
<span face=""Nirmala UI",sans-serif">बेचना</span> <span face=""Nirmala UI",sans-serif">नहीं</span> <span face=""Nirmala UI",sans-serif">पड़ेगा।</span> <span face=""Nirmala UI",sans-serif">गिरवी</span>
<span face=""Nirmala UI",sans-serif">रखी</span> <span face=""Nirmala UI",sans-serif">गई</span> <span face=""Nirmala UI",sans-serif">म्युचुअल</span> <span face=""Nirmala UI",sans-serif">फंड</span>
<span face=""Nirmala UI",sans-serif">इकाइयां</span> <span face=""Nirmala UI",sans-serif">निवेशित</span> <span face=""Nirmala UI",sans-serif">रहेंगी</span> <span face=""Nirmala UI",sans-serif">और</span> <span face=""Nirmala UI",sans-serif">रिटर्न</span> <span face=""Nirmala UI",sans-serif">उत्पन्न</span>
<span face=""Nirmala UI",sans-serif">करेंगी।</span> <span face=""Nirmala UI",sans-serif">यह</span> <span face=""Nirmala UI",sans-serif">सुनिश्चित</span> <span face=""Nirmala UI",sans-serif">करता</span>
<span face=""Nirmala UI",sans-serif">है</span> <span face=""Nirmala UI",sans-serif">कि</span> <span face=""Nirmala UI",sans-serif">आपकी</span> <span face=""Nirmala UI",sans-serif">वित्तीय</span>
<span face=""Nirmala UI",sans-serif">योजना</span> <span face=""Nirmala UI",sans-serif">और</span> <span face=""Nirmala UI",sans-serif">निवेश</span> <span face=""Nirmala UI",sans-serif">स्वामित्व</span>
<span face=""Nirmala UI",sans-serif">बरकरार</span> <span face=""Nirmala UI",sans-serif">रहे।</span><o:p></o:p></span></p>
<p class="MsoNormal"><span style="font-size: medium;"><span face=""Nirmala UI",sans-serif">केवल</span>
<span face=""Nirmala UI",sans-serif">उपयोग</span> <span face=""Nirmala UI",sans-serif">की</span> <span face=""Nirmala UI",sans-serif">गई</span> <span face=""Nirmala UI",sans-serif">राशि</span>
<span face=""Nirmala UI",sans-serif">पर</span> <span face=""Nirmala UI",sans-serif">ब्याज</span> <span face=""Nirmala UI",sans-serif">का</span> <span face=""Nirmala UI",sans-serif">भुगतान</span> <span face=""Nirmala UI",sans-serif">करें</span>:
<span face=""Nirmala UI",sans-serif">जब</span> <span face=""Nirmala UI",sans-serif">आप</span> <span face=""Nirmala UI",sans-serif">म्युचुअल</span> <span face=""Nirmala UI",sans-serif">फंड</span>
<span face=""Nirmala UI",sans-serif">के</span> <span face=""Nirmala UI",sans-serif">बदले</span> <span face=""Nirmala UI",sans-serif">ऋण</span> <span face=""Nirmala UI",sans-serif">लेते</span>
<span face=""Nirmala UI",sans-serif">हैं</span>, <span face=""Nirmala UI",sans-serif">तो</span> <span face=""Nirmala UI",sans-serif">आप</span> <span face=""Nirmala UI",sans-serif">केवल</span>
<span face=""Nirmala UI",sans-serif">अपने</span> <span face=""Nirmala UI",sans-serif">खाते</span> <span face=""Nirmala UI",sans-serif">में</span> <span face=""Nirmala UI",sans-serif">जमा</span>
<span face=""Nirmala UI",sans-serif">राशि</span> <span face=""Nirmala UI",sans-serif">पर</span> <span face=""Nirmala UI",sans-serif">ब्याज</span> <span face=""Nirmala UI",sans-serif">का</span>
<span face=""Nirmala UI",sans-serif">भुगतान</span> <span face=""Nirmala UI",sans-serif">करते</span> <span face=""Nirmala UI",sans-serif">हैं</span>, <span face=""Nirmala UI",sans-serif">न</span>
<span face=""Nirmala UI",sans-serif">कि</span> <span face=""Nirmala UI",sans-serif">आपके</span> <span face=""Nirmala UI",sans-serif">म्युचुअल</span> <span face=""Nirmala UI",sans-serif">फंड</span>
<span face=""Nirmala UI",sans-serif">से</span> <span face=""Nirmala UI",sans-serif">गारंटीकृत</span> <span face=""Nirmala UI",sans-serif">कुल</span> <span face=""Nirmala UI",sans-serif">ऋण</span> <span face=""Nirmala UI",sans-serif">राशि</span>
<span face=""Nirmala UI",sans-serif">पर।</span><o:p></o:p></span></p>
<p class="MsoNormal"><b><span style="font-size: large;"><span face=""Nirmala UI",sans-serif">निष्कर्ष</span>:<o:p></o:p></span></b></p>
<p class="MsoNormal"><span style="font-size: medium;"><span face=""Nirmala UI",sans-serif">यहां</span>
<span face=""Nirmala UI",sans-serif">तक</span> <span face=""Nirmala UI",sans-serif">कि</span> <span face=""Nirmala UI",sans-serif">अगर</span> <span face=""Nirmala UI",sans-serif">आपके</span>
<span face=""Nirmala UI",sans-serif">बैंक</span> <span face=""Nirmala UI",sans-serif">खाते</span> <span face=""Nirmala UI",sans-serif">में</span> <span face=""Nirmala UI",sans-serif">पैसा</span>
<span face=""Nirmala UI",sans-serif">है</span>, <span face=""Nirmala UI",sans-serif">तो</span> <span face=""Nirmala UI",sans-serif">भी</span> <span face=""Nirmala UI",sans-serif">आपको</span>
<span face=""Nirmala UI",sans-serif">कई</span> <span face=""Nirmala UI",sans-serif">कारणों</span> <span face=""Nirmala UI",sans-serif">से</span> <span face=""Nirmala UI",sans-serif">कर्ज</span> <span face=""Nirmala UI",sans-serif">लेने</span>
<span face=""Nirmala UI",sans-serif">की</span> <span face=""Nirmala UI",sans-serif">जरूरत</span> <span face=""Nirmala UI",sans-serif">पड़</span> <span face=""Nirmala UI",sans-serif">सकती</span> <span face=""Nirmala UI",sans-serif">है।</span>
<span face=""Nirmala UI",sans-serif">यह</span> <span face=""Nirmala UI",sans-serif">कुछ</span> <span face=""Nirmala UI",sans-serif">अनपेक्षित</span> <span face=""Nirmala UI",sans-serif">खर्चों</span>
<span face=""Nirmala UI",sans-serif">के</span> <span face=""Nirmala UI",sans-serif">कारण</span> <span face=""Nirmala UI",sans-serif">है</span> <span face=""Nirmala UI",sans-serif">जिनके</span>
<span face=""Nirmala UI",sans-serif">लिए</span> <span face=""Nirmala UI",sans-serif">ऋण</span> <span face=""Nirmala UI",sans-serif">की</span> <span face=""Nirmala UI",sans-serif">आवश्यकता</span>
<span face=""Nirmala UI",sans-serif">हो</span> <span face=""Nirmala UI",sans-serif">सकती</span> <span face=""Nirmala UI",sans-serif">है।</span> <span face=""Nirmala UI",sans-serif">यदि</span>
<span face=""Nirmala UI",sans-serif">आप</span> <span face=""Nirmala UI",sans-serif">म्यूचुअल</span> <span face=""Nirmala UI",sans-serif">फंड</span> <span face=""Nirmala UI",sans-serif">में</span> <span face=""Nirmala UI",sans-serif">निवेश</span>
<span face=""Nirmala UI",sans-serif">करते</span> <span face=""Nirmala UI",sans-serif">हैं</span> <span face=""Nirmala UI",sans-serif">तो</span> <span face=""Nirmala UI",sans-serif">आप</span>
<span face=""Nirmala UI",sans-serif">उनसे</span> <span face=""Nirmala UI",sans-serif">पैसा</span> <span face=""Nirmala UI",sans-serif">उधार</span> <span face=""Nirmala UI",sans-serif">ले</span>
<span face=""Nirmala UI",sans-serif">सकते</span> <span face=""Nirmala UI",sans-serif">हैं।</span> <span face=""Nirmala UI",sans-serif">यह</span> <span face=""Nirmala UI",sans-serif">आपको</span>
<span face=""Nirmala UI",sans-serif">अपने</span> <span face=""Nirmala UI",sans-serif">वित्तीय</span> <span face=""Nirmala UI",sans-serif">दायित्वों</span> <span face=""Nirmala UI",sans-serif">को</span> <span face=""Nirmala UI",sans-serif">पूरा</span> <span face=""Nirmala UI",sans-serif">करने</span>
<span face=""Nirmala UI",sans-serif">में</span> <span face=""Nirmala UI",sans-serif">मदद</span> <span face=""Nirmala UI",sans-serif">करेगा</span> <span face=""Nirmala UI",sans-serif">और</span>
<span face=""Nirmala UI",sans-serif">साथ</span> <span face=""Nirmala UI",sans-serif">ही</span> <span face=""Nirmala UI",sans-serif">यह</span> <span face=""Nirmala UI",sans-serif">भी</span>
<span face=""Nirmala UI",sans-serif">सुनिश्चित</span> <span face=""Nirmala UI",sans-serif">करेगा</span> <span face=""Nirmala UI",sans-serif">कि</span> <span face=""Nirmala UI",sans-serif">आपके</span> <span face=""Nirmala UI",sans-serif">निवेश</span>
<span face=""Nirmala UI",sans-serif">रिटर्न</span> <span face=""Nirmala UI",sans-serif">उत्पन्न</span> <span face=""Nirmala UI",sans-serif">करना</span> <span face=""Nirmala UI",sans-serif">जारी</span> <span face=""Nirmala UI",sans-serif">रखें।</span><o:p></o:p></span></p>
<p class="MsoNormal"><span style="font-size: medium;"><span face=""Nirmala UI",sans-serif">यह</span> <span face=""Nirmala UI",sans-serif">ब्लॉग</span> <span face=""Nirmala UI",sans-serif">विशुद्ध</span> <span face=""Nirmala UI",sans-serif">रूप</span> <span face=""Nirmala UI",sans-serif">से</span> <span face=""Nirmala UI",sans-serif">शैक्षिक</span>
<span face=""Nirmala UI",sans-serif">उद्देश्य</span> <span face=""Nirmala UI",sans-serif">के</span> <span face=""Nirmala UI",sans-serif">लिए</span> <span face=""Nirmala UI",sans-serif">है</span>
<span face=""Nirmala UI",sans-serif">और</span> <span face=""Nirmala UI",sans-serif">इसे</span> <span face=""Nirmala UI",sans-serif">व्यक्तिगत</span> <span face=""Nirmala UI",sans-serif">सलाह</span>
<span face=""Nirmala UI",sans-serif">के</span> <span face=""Nirmala UI",sans-serif">रूप</span> <span face=""Nirmala UI",sans-serif">में</span> <span face=""Nirmala UI",sans-serif">नहीं</span>
<span face=""Nirmala UI",sans-serif">माना</span> <span face=""Nirmala UI",sans-serif">जाना</span> <span face=""Nirmala UI",sans-serif">चाहिए।</span> <span face=""Nirmala UI",sans-serif">म्युचुअल</span>
<span face=""Nirmala UI",sans-serif">फंड</span> <span face=""Nirmala UI",sans-serif">बाजार</span> <span face=""Nirmala UI",sans-serif">जोखिमों</span> <span face=""Nirmala UI",sans-serif">के</span> <span face=""Nirmala UI",sans-serif">अधीन</span>, <span face=""Nirmala UI",sans-serif">योजना</span>
<span face=""Nirmala UI",sans-serif">से</span> <span face=""Nirmala UI",sans-serif">संबंधित</span> <span face=""Nirmala UI",sans-serif">सभी</span> <span face=""Nirmala UI",sans-serif">दस्तावेजों</span> <span face=""Nirmala UI",sans-serif">को</span>
<span face=""Nirmala UI",sans-serif">ध्यान</span> <span face=""Nirmala UI",sans-serif">से</span> <span face=""Nirmala UI",sans-serif">पढ़ें।</span></span><o:p></o:p></p><p class="MsoNormal"><span style="font-size: medium;"><span face=""Nirmala UI",sans-serif"><br /></span></span></p><div class="separator" style="clear: both; color: #333333; font-family: Roboto, sans-serif; text-align: center;"><a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEjkrJHUZ2VkGi3zz51FFh6TTppKiAZBH2YnCn1TprcNzVR8dXtGBWK58FaQZOIsmTTZzuwjGIBHrn8IEIe-5FDvpp_YUNFJ7jK79qONsTwrpqQ9BiTfitATVmtHJpHK8ClWijGKbWLphdaySLv9TOuxLKVZcXLEDPD3oejE4nLWW0aU76YFQjD0Sjau/s688/LOGO_V6%20ARTHGYAN%20LLP.png" style="margin-left: 1em; margin-right: 1em;"><img border="0" data-original-height="688" data-original-width="688" height="320" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEjkrJHUZ2VkGi3zz51FFh6TTppKiAZBH2YnCn1TprcNzVR8dXtGBWK58FaQZOIsmTTZzuwjGIBHrn8IEIe-5FDvpp_YUNFJ7jK79qONsTwrpqQ9BiTfitATVmtHJpHK8ClWijGKbWLphdaySLv9TOuxLKVZcXLEDPD3oejE4nLWW0aU76YFQjD0Sjau/s320/LOGO_V6%20ARTHGYAN%20LLP.png" width="320" /></a></div><p class="MsoNormal"><span style="font-size: medium;"><br style="color: #333333; font-size: medium; text-align: justify;" /></span></p><h2 style="line-height: normal; margin-bottom: 0.0001pt;"><b><span style="font-family: georgia; font-size: large;"> </span></b><b><span style="font-family: arial; font-size: large;"> AMFI Registered Mutual Fund Distributor </span></b></h2><h2 style="line-height: normal; margin-bottom: 0.0001pt;"><span lang="HI" style="font-family: arial; font-size: large;"> 6306522855</span><span style="font-family: arial; font-size: large;"> </span></h2><div><div><b><span style="font-family: arial; font-size: large;"><div class="separator" style="clear: both; font-size: medium; font-weight: 400; text-align: center;"><span style="text-align: left;"></span></div></span></b></div></div><h2 style="line-height: normal; margin-bottom: 0.0001pt;"><span style="font-family: arial; font-size: large;"> <b>Burlington, Lucknow, </b></span><b style="font-family: arial; font-size: large;"><span lang="HI">226001</span><span> </span></b></h2><p class="MsoBodyText" style="line-height: 22.56px; margin: 5pt 17.15pt 0.0001pt 17.25pt; text-align: justify;"><span style="font-family: arial; font-size: x-large;"></span></p><p class="MsoNormal"><span style="font-size: medium;"><span face=""Nirmala UI",sans-serif"></span></span></p><div class="separator" style="clear: both; text-align: center;"><span style="font-family: arial; text-align: left;"><h2 style="line-height: normal; margin-bottom: 0.0001pt;"><span style="font-size: medium;"><o:p></o:p></span><span style="font-size: medium;"> customercare@vsix.co.in || www.vsix.co.in</span></h2></span></div><div><h2 style="line-height: normal; margin-bottom: 0.0001pt;"><span style="font-family: arial;"><span lang="HI" style="font-size: large;"> </span></span></h2></div>V6 ARTHGYAN LLPhttp://www.blogger.com/profile/18128509813979049058noreply@blogger.com0tag:blogger.com,1999:blog-4746449159280106368.post-56646172708817713632023-01-31T20:38:00.000-08:002023-01-31T20:38:03.033-08:00<p> <span face="Roboto, sans-serif" style="background-color: #337ab7; color: white; font-size: xx-large; text-align: center;">LOAN AGAINST MUTUAL FUNDS UNITS </span></p><div class="panel-body" style="box-sizing: border-box; color: #333333; padding: 15px; text-align: center;"><div class="col-md-10 col-md-offset-1" style="box-sizing: border-box; float: left; font-family: Roboto, sans-serif; margin-left: 76.0781px; min-height: 1px; padding-left: 15px; padding-right: 15px; position: relative; width: 760.828px;"><div class="separator" style="clear: both;"><a href="https://apps.anchoredge.in/Home/ViewBlog?blogId=148&rand=4QYoixlAVjSYtqriJAk5LiGnq2kJ9Y#" style="box-sizing: border-box; clear: left; color: #23527c; display: inline-block; float: left; margin-bottom: 1em; margin-right: 1em; outline: 0px; position: relative;" target="_blank"><img alt="Blog from anchoredge" height="268" src="https://apps.anchoredge.in/anccontent/Oldcontent/Blog/RealImage/420Loans-against-mutual-fund.jpg" style="border: 0px; box-sizing: border-box; max-width: 100%; vertical-align: middle;" width="499" /></a></div><div class="blog_image" style="box-sizing: border-box; font-size: 14px; padding: 0px 0px 15px;"></div></div><div class="clearfix" style="box-sizing: border-box; font-family: Roboto, sans-serif; font-size: 14px;"></div><div class="blog_details" style="box-sizing: border-box; line-height: 25px; text-align: justify;"><p style="box-sizing: border-box; font-family: Roboto, sans-serif; font-size: 15px; line-height: 25px; margin: 0px 0px 10px;"><span style="box-sizing: border-box; font-weight: 700;"><br /></span></p><p style="box-sizing: border-box; font-family: Roboto, sans-serif; font-size: 15px; line-height: 25px; margin: 0px 0px 10px;"><span style="box-sizing: border-box; font-weight: 700;"><br /></span></p><p style="box-sizing: border-box; font-family: Roboto, sans-serif; font-size: 15px; line-height: 25px; margin: 0px 0px 10px;"><span style="box-sizing: border-box; font-weight: 700;"><br /></span></p><p style="box-sizing: border-box; font-family: Roboto, sans-serif; font-size: 15px; line-height: 25px; margin: 0px 0px 10px;"><span style="box-sizing: border-box; font-weight: 700;"><br /></span></p><p style="box-sizing: border-box; font-family: Roboto, sans-serif; font-size: 15px; line-height: 25px; margin: 0px 0px 10px;"><span style="box-sizing: border-box; font-weight: 700;"><br /></span></p><p style="box-sizing: border-box; font-family: Roboto, sans-serif; font-size: 15px; line-height: 25px; margin: 0px 0px 10px;"><span style="box-sizing: border-box; font-weight: 700;"><br /></span></p><p style="box-sizing: border-box; font-family: Roboto, sans-serif; font-size: 15px; line-height: 25px; margin: 0px 0px 10px;"><span style="box-sizing: border-box; font-weight: 700;"><br /></span></p><p style="box-sizing: border-box; font-family: Roboto, sans-serif; font-size: 15px; line-height: 25px; margin: 0px 0px 10px;"><span style="box-sizing: border-box; font-weight: 700;"><br /></span></p><p style="box-sizing: border-box; font-family: Roboto, sans-serif; font-size: 15px; line-height: 25px; margin: 0px 0px 10px;"><span style="box-sizing: border-box; font-weight: 700;"><br /></span></p><p style="box-sizing: border-box; font-family: Roboto, sans-serif; line-height: 25px; margin: 0px 0px 10px;"><span style="font-weight: 700;"><span style="font-size: medium;">How Mutual Fund Investment Can Help You During Emergencies</span></span></p><p style="box-sizing: border-box; font-family: Roboto, sans-serif; font-size: 15px; line-height: 25px; margin: 0px 0px 10px;">Preparing for emergencies is the first step in any financial plan. Having a certain amount of money parked in a savings account or liquid fund can help to tide over difficult scenarios. However, sometimes, the emergency fund may not be enough. And, you might have to borrow money. And loan against collaterals can be helpful to tide over such a situation.</p><p style="box-sizing: border-box; font-family: Roboto, sans-serif; font-size: 15px; line-height: 25px; margin: 0px 0px 10px;">You must know you can take a loan against gold or property. But did you know you can take a loan against your mutual fund investment? In this blog, we will look at loans against mutual funds.</p><h2 style="box-sizing: border-box; color: inherit; font-family: inherit; font-size: 30px; font-weight: 500; line-height: 1.1; margin-bottom: 10px; margin-top: 20px;"><span style="box-sizing: border-box; font-weight: 700;">What is a loan against a mutual fund?</span></h2><p style="box-sizing: border-box; font-family: Roboto, sans-serif; font-size: 15px; line-height: 25px; margin: 0px 0px 10px;">A loan against a mutual fund is just like other loans backed by collateral. In this case, the collateral is your mutual fund investment. A financial institution such as a bank marks a lien against your mutual fund units and disburses the loan amount. Once they mark the lien, the bank will have ownership of your fund units. One should remember that the bank keeps a lien against your mutual fund units and not your investment amount or the current value of your investment. So, once the lien is marked, you don’t have access to your units. This means that you can’t redeem those units until you repay the loan. </p><p style="box-sizing: border-box; font-family: Roboto, sans-serif; font-size: 15px; line-height: 25px; margin: 0px 0px 10px;">And just like other loans, banks will decide the amount of loan based on your number of units, type of mutual fund, and loan tenure.</p><p style="box-sizing: border-box; font-family: Roboto, sans-serif; font-size: 15px; line-height: 25px; margin: 0px 0px 10px;">The lien gets removed as you repay the loan.</p><p style="box-sizing: border-box; font-family: Roboto, sans-serif; line-height: 25px; margin: 0px 0px 10px;"><span style="box-sizing: border-box; font-weight: 700;"><span style="font-size: medium;">How can I apply for a loan against mutual funds?</span></span></p><p style="box-sizing: border-box; font-family: Roboto, sans-serif; font-size: 15px; line-height: 25px; margin: 0px 0px 10px;">Nowadays, most banks offer instant loans against mutual funds, similar to their overdraft facility.</p><p style="box-sizing: border-box; font-family: Roboto, sans-serif; font-size: 15px; line-height: 25px; margin: 0px 0px 10px;">You will have a loan agreement with the bank. The lender instructs a mutual fund registrar, such as CAMS or Karvy to place a lien on the quantity of pledged units. The registrar then stamps the lien and sends a letter to the lender, with a copy to the borrower, confirming the claim.</p><p style="box-sizing: border-box; font-family: Roboto, sans-serif; line-height: 25px; margin: 0px 0px 10px;"><span style="box-sizing: border-box; font-weight: 700;"><span style="font-size: medium;">Things to keep in before borrowing against your mutual fund units</span></span></p><p style="box-sizing: border-box; font-family: Roboto, sans-serif; font-size: 15px; line-height: 25px; margin: 0px 0px 10px;">You can borrow against different types of mutual funds such as equity funds, debt funds, and hybrid funds. However, the loan that you can get depends on the type of mutual fund. Different banks will have different criteria. For example, we can borrow up to 50% of your mutual fund value with equity funds and 80% with debt mutual funds. </p><p style="box-sizing: border-box; font-family: Roboto, sans-serif; font-size: 15px; line-height: 25px; margin: 0px 0px 10px;">There will be a minimum and maximum amount that you can borrow against your fund units. This amount will differ among banks.</p><p style="box-sizing: border-box; font-family: Roboto, sans-serif; font-size: 15px; line-height: 25px; margin: 0px 0px 10px;">Banks may not offer loans against every mutual fund. Each bank has an approved list of mutual funds. E.g., ICICI Bank offers loans against mutual funds registered with CAMS.</p><p style="box-sizing: border-box; font-family: Roboto, sans-serif; line-height: 25px; margin: 0px 0px 10px;"><span style="box-sizing: border-box; font-weight: 700;"><span style="font-size: medium;">Advantages of borrowing against mutual fund</span></span></p><p style="box-sizing: border-box; font-family: Roboto, sans-serif; font-size: 15px; line-height: 25px; margin: 0px 0px 10px;">Instead of selling your mutual fund units, taking a loan against a mutual fund can be a better option. Here are some advantages of taking a loan against mutual funds.</p><p style="box-sizing: border-box; font-family: Roboto, sans-serif; line-height: 25px; margin: 0px 0px 10px;"><span style="box-sizing: border-box; font-weight: 700;"><span style="font-size: medium;">Tide over an emergency:</span><span style="font-size: 15px;"> </span></span><span style="font-size: 15px;">This is especially useful during a crisis because you can pledge your mutual fund units and instantly get the money into your bank account.</span></p><p style="box-sizing: border-box; font-family: Roboto, sans-serif; line-height: 25px; margin: 0px 0px 10px;"><span style="box-sizing: border-box; font-weight: 700;"><span style="font-size: medium;">Fulfill short-term financial needs:</span><span style="font-size: 15px;"> </span></span><span style="font-size: 15px;">Loans against mutual funds can be a unique way to raise funds for short-term financial needs. You can borrow money against your MF units for a short period and repay it over time without jeopardizing your mutual fund unit ownership.</span></p><p style="box-sizing: border-box; font-family: Roboto, sans-serif; line-height: 25px; margin: 0px 0px 10px;"><span style="box-sizing: border-box; font-weight: 700;"><span style="font-size: medium;">Low-interest rate:</span><span style="font-size: 15px;"> </span></span><span style="font-size: 15px;">Interest rates on loans secured by mutual funds may be cheaper than those on unsecured loans, such as personal loans. </span></p><p style="box-sizing: border-box; font-family: Roboto, sans-serif; line-height: 25px; margin: 0px 0px 10px;"><span style="box-sizing: border-box; font-weight: 700;"><span style="font-size: medium;">Your units stay invested:</span><span style="font-size: 15px;"> </span></span><span style="font-size: 15px;">You won’t have to sell your mutual fund units if you take out a loan against them. The mutual fund units that have been pledged will remain invested and generate returns. This ensures that your financial plan and investment ownership remain intact.</span></p><p style="box-sizing: border-box; font-family: Roboto, sans-serif; line-height: 25px; margin: 0px 0px 10px;"><span style="box-sizing: border-box; font-weight: 700;"><span style="font-size: medium;">Only pay interest on the utilized amount:</span><span style="font-size: 15px;"> </span></span><span style="font-size: 15px;">When you take loans against mutual funds, you only pay interest on the amount credited to your account and not the total loan amount guaranteed from your mutual funds.</span></p><p style="box-sizing: border-box; font-family: Roboto, sans-serif; line-height: 25px; margin: 0px 0px 10px;"><span style="box-sizing: border-box; font-weight: 700;"><span style="font-size: large;">Conclusion:</span></span></p><p style="box-sizing: border-box; font-family: Roboto, sans-serif; font-size: 15px; line-height: 25px; margin: 0px 0px 10px;">Even if you have money in your bank account, you may need to take out loans for several reasons. It’s because of certain unexpected expenses that may require a loan. You can borrow money against mutual funds if you invest in them. This will help you meet your financial obligations while also ensuring that your investments continue to generate returns.</p><p style="box-sizing: border-box; font-family: Roboto, sans-serif; font-size: 15px; line-height: 25px; margin: 0px 0px 10px;">This blog is purely for educational purposes and not to be treated as personal advice. Mutual funds are subject to market risks, Read all scheme-related documents carefully.</p><div class="separator" style="clear: both; font-family: Roboto, sans-serif; text-align: center;"><a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEjkrJHUZ2VkGi3zz51FFh6TTppKiAZBH2YnCn1TprcNzVR8dXtGBWK58FaQZOIsmTTZzuwjGIBHrn8IEIe-5FDvpp_YUNFJ7jK79qONsTwrpqQ9BiTfitATVmtHJpHK8ClWijGKbWLphdaySLv9TOuxLKVZcXLEDPD3oejE4nLWW0aU76YFQjD0Sjau/s688/LOGO_V6%20ARTHGYAN%20LLP.png" style="margin-left: 1em; margin-right: 1em;"><img border="0" data-original-height="688" data-original-width="688" height="320" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEjkrJHUZ2VkGi3zz51FFh6TTppKiAZBH2YnCn1TprcNzVR8dXtGBWK58FaQZOIsmTTZzuwjGIBHrn8IEIe-5FDvpp_YUNFJ7jK79qONsTwrpqQ9BiTfitATVmtHJpHK8ClWijGKbWLphdaySLv9TOuxLKVZcXLEDPD3oejE4nLWW0aU76YFQjD0Sjau/s320/LOGO_V6%20ARTHGYAN%20LLP.png" width="320" /></a></div><br /><h2 style="color: black; line-height: normal; margin-bottom: 0.0001pt; text-align: left;"><b><span style="font-family: georgia; font-size: large;"> </span><span style="font-family: arial; font-size: large;"> AMFI Registered Mutual Fund Distributor </span></b></h2><h2 style="color: black; line-height: normal; margin-bottom: 0.0001pt; text-align: left;"><span style="font-family: arial;"><span lang="HI" style="font-size: large;"> </span><span lang="HI" style="font-size: large;">6306522855</span><span style="font-size: large;"> </span></span></h2><div style="color: black; text-align: left;"><b><span style="font-family: arial; font-size: large;"><div class="separator" style="clear: both; font-size: medium; font-weight: 400; text-align: center;"><span style="text-align: left;"></span></div><h2 style="line-height: normal; margin-bottom: 0.0001pt;"><span style="font-size: large;"> <b>Burlington, Lucknow, </b></span><b style="font-size: large;"><span lang="HI">226001</span><span> </span></b></h2></span></b></div><p class="MsoBodyText" style="color: black; line-height: 22.56px; margin: 5pt 17.15pt 0.0001pt 17.25pt;"><span style="font-family: arial; font-size: x-large;"></span></p><div class="separator" style="clear: both; color: black; text-align: center;"><span style="font-family: arial; text-align: left;"><h2 style="line-height: normal; margin-bottom: 0.0001pt;"><span style="font-size: medium;"><o:p></o:p></span><span style="font-size: medium;"> customercare@vsix.co.in || www.vsix.co.in</span></h2></span></div><p style="box-sizing: border-box; font-family: Roboto, sans-serif; font-size: 15px; line-height: 25px; margin: 0px 0px 10px;"><br /></p><p style="box-sizing: border-box; font-family: Roboto, sans-serif; font-size: 15px; line-height: 25px; margin: 0px 0px 10px;"><br /></p><p style="box-sizing: border-box; font-family: Roboto, sans-serif; font-size: 15px; line-height: 25px; margin: 0px 0px 10px;"><br /></p><p style="box-sizing: border-box; font-family: Roboto, sans-serif; font-size: 15px; line-height: 25px; margin: 0px 0px 10px;"><br /></p><p style="box-sizing: border-box; font-family: Roboto, sans-serif; font-size: 15px; line-height: 25px; margin: 0px 0px 10px;"><br /></p><p style="box-sizing: border-box; font-family: Roboto, sans-serif; font-size: 15px; line-height: 25px; margin: 0px 0px 10px;"><br /></p></div><div class="clearfix" style="box-sizing: border-box; font-family: Roboto, sans-serif; font-size: 14px;"></div><div class="blog_footer" style="background: rgb(221, 221, 221); box-sizing: border-box; font-family: Roboto, sans-serif; font-size: 12px; line-height: 18px; padding: 20px; width: 913px;"><div style="box-sizing: border-box;"><br /></div></div></div>V6 ARTHGYAN LLPhttp://www.blogger.com/profile/18128509813979049058noreply@blogger.com0tag:blogger.com,1999:blog-4746449159280106368.post-56078835130901558572022-12-30T21:04:00.001-08:002022-12-30T21:07:32.765-08:00Business Cycle Funds<p align="center" class="MsoNormal" style="background: rgb(51, 122, 183); line-height: normal; margin-bottom: 0cm; text-align: center;"><span style="color: white;"><span style="font-family: georgia; font-size: x-large;">Business Cycle Funds<o:p></o:p></span></span></p><div class="separator" style="clear: both; text-align: center;"><a href="https://blogger.googleusercontent.com/img/a/AVvXsEiMhMbOApxroZ7FU3rHLOwdPeAetQzbVDMkMDRg1NvtjUMSIykJB17vQ3VfgBVZshSsEbAzQa5XbAqQIcyMXX1piaOHwmV83WyKSf2PwVQIdc1kqTwwfJpnzPmpzdj_kXUvJkrihNAlAoDRSSDu1dpwOi4MQ10Qdn4vQdF98COq2HqNCEoVB8JJZm-L" style="margin-left: 1em; margin-right: 1em;"><span style="font-family: georgia;"><img alt="" data-original-height="391" data-original-width="676" height="326" src="https://blogger.googleusercontent.com/img/a/AVvXsEiMhMbOApxroZ7FU3rHLOwdPeAetQzbVDMkMDRg1NvtjUMSIykJB17vQ3VfgBVZshSsEbAzQa5XbAqQIcyMXX1piaOHwmV83WyKSf2PwVQIdc1kqTwwfJpnzPmpzdj_kXUvJkrihNAlAoDRSSDu1dpwOi4MQ10Qdn4vQdF98COq2HqNCEoVB8JJZm-L=w590-h326" width="590" /></span></a></div><span style="font-family: georgia;"><br /></span><p class="MsoNormal" style="line-height: 23.4pt; margin-bottom: 9.35pt; text-align: justify;"><b><span style="font-family: georgia; font-size: large;"><span style="color: #333333;">Should
you invest in business cycle funds?</span><span style="color: #333333;"><o:p></o:p></span></span></b></p><p class="MsoNormal" style="line-height: 23.4pt; margin-bottom: 9.35pt; text-align: justify;"><span style="color: #333333; font-size: 14pt;"><span style="font-family: georgia;">Like the climate,
which has seasonal cycles, the economy also goes through cycles. Business
cycles are a sort of variation that may be seen in the overall economic
activity of a country. A business cycle comprises expansions that occur roughly
simultaneously in many different economic regions and sectors, followed by
similarly widespread contractions (recessions). The series consists of growth followed
by a boom or peak, then recession and troughs (when the economy is in deep
depression).<o:p></o:p></span></span></p><p class="MsoNormal" style="line-height: 23.4pt; margin-bottom: 9.35pt; text-align: justify;"><span style="color: #333333; font-size: 14pt;"><span style="font-family: georgia;">Although not periodic,
this series of adjustments occur frequently. These changes can be triggered
because of many factors such as inflation, interest rates, government policies,
foreign countries' actions and policies, changes in the demand, and supply of
money, etc.<o:p></o:p></span></span></p><p class="MsoNormal" style="line-height: 23.4pt; margin-bottom: 9.35pt; text-align: justify;"><span style="color: #333333; font-size: 14pt;"><span style="font-family: georgia;">Different business
cycle phases might appear at various points in time in multiple economies.
Consequently, there may be occasions when a specific business cycle in one
economy offers business chances for other economies.<o:p></o:p></span></span></p><p class="MsoNormal" style="line-height: 23.4pt; margin-bottom: 9.35pt; text-align: justify;"><span style="font-family: georgia; font-size: large;"><b><span style="color: #333333;">Now,
what is a business cycle fund?</span></b><span style="color: #333333;"><o:p></o:p></span></span></p><p class="MsoNormal" style="line-height: 23.4pt; margin-bottom: 9.35pt; text-align: justify;"><span style="color: #333333; font-size: 14pt;"><span style="font-family: georgia;">A business cycle fund
identifies economic trends and invests funds in the sectors likely to
outperform by deploying the business cycle approach of investing. During the
expansion phase, it'll buy stocks of firms that might benefit from the business
cycle or market/sector leaders.<o:p></o:p></span></span></p><p class="MsoNormal" style="line-height: 23.4pt; margin-bottom: 9.35pt; text-align: justify;"><span style="color: #333333; font-size: 14pt;"><span style="font-family: georgia;">Business cycle funds
invest in various companies irrespective of the same sector, while sector funds
invest only in one sector-specific sector company. For instance, a technology
sector mutual fund will invest only in technology-related companies. In
contrast, a business cycle fund will invest in all those companies that might
be positively impacted at any particular phase of the economy.<o:p></o:p></span></span></p><p class="MsoNormal" style="line-height: 23.4pt; margin-bottom: 9.35pt; text-align: justify;"><span style="font-family: georgia; font-size: large;"><b><span style="color: #333333;">What advantages of investing in a business cycle fund?</span></b><span style="color: #333333;"><o:p></o:p></span></span></p><p class="MsoNormal" style="line-height: 23.4pt; margin-bottom: 9.35pt; text-align: justify;"><span style="color: #333333; font-size: 14pt;"><span style="font-family: georgia;">It is critical to
comprehend that sector performance fluctuates across an economic cycle. For
instance, the financial sector would perform better during the recovery and
boom periods. Still, industries like pharma and FMCG will probably perform
significantly better than other industries during phases like the recessionary
phase. For example, the pharmaceutical and communications industries were
profitable throughout the pandemic even while the economy was in a slump.<o:p></o:p></span></span></p><p class="MsoNormal" style="line-height: 23.4pt; margin-bottom: 9.35pt; text-align: justify;"><span style="color: #333333; font-size: 14pt;"><span style="font-family: georgia;">A fund manager is
better positioned to decide due to the large research team at his disposal
because not all the companies in a sector would perform well even at the best
of times. Investors can feel secure knowing that their portfolios will be
strong enough to ride through market cycles and take advantage of market
opportunities thanks to this investing strategy.<o:p></o:p></span></span></p><p class="MsoNormal" style="line-height: 23.4pt; margin-bottom: 9.35pt; text-align: justify;"><span style="color: #333333; font-size: 14pt;"><span style="font-family: georgia;">The scheme's
investment goal is to produce long-term capital appreciation through allocation
between sectors and stocks at various business cycle stages while investing
with an emphasis on riding business cycles.<o:p></o:p></span></span></p><ul type="disc">
<li class="MsoNormal" style="color: #333333; line-height: 23.4pt; mso-list: l0 level1 lfo1; mso-margin-bottom-alt: auto; mso-margin-top-alt: auto; tab-stops: list 36.0pt; text-align: justify;"><span style="font-size: 14pt;"><span style="font-family: georgia;">It will buy stocks
of industry leaders or businesses that do well when one sector does
well. This will happen during an economic expansion.<o:p></o:p></span></span></li>
<li class="MsoNormal" style="color: #333333; line-height: 23.4pt; mso-list: l0 level1 lfo1; mso-margin-bottom-alt: auto; mso-margin-top-alt: auto; tab-stops: list 36.0pt; text-align: justify;"><span style="font-size: 14pt;"><span style="font-family: georgia;">It will invest in businesses
from industries that offer protection against downturns during a
contraction phase.<o:p></o:p></span></span></li>
</ul><p class="MsoNormal" style="line-height: 23.4pt; margin-bottom: 9.35pt; text-align: justify;"><span style="color: #333333; font-size: 14pt;"><span style="font-family: georgia;">Business cycles have
gotten shorter, and a portfolio must respond swiftly to shifting conditions.<o:p></o:p></span></span></p><p class="MsoNormal" style="line-height: 23.4pt; margin-bottom: 9.35pt; text-align: justify;"><span style="font-family: georgia; font-size: large;"><b><span style="color: #333333;">Risks
involved in a business cycle fund</span></b><span style="color: #333333;"><o:p></o:p></span></span></p><p class="MsoNormal" style="line-height: 23.4pt; margin-bottom: 9.35pt; text-align: justify;"><span style="color: #333333; font-size: 14pt;"><span style="font-family: georgia;">The significant risk in
investing in business cycle funds is timing. The phases in the business cycle
might change quickly, and in this situation, the fund managers have to consider
the changes and make appropriate investment calls.<o:p></o:p></span></span></p><p class="MsoNormal" style="line-height: 23.4pt; margin-bottom: 9.35pt; text-align: justify;"><span style="color: #333333; font-size: 14pt;"><span style="font-family: georgia;">Another risk is cyclical
risk. It is the risk of business cycles or other economic cycles adversely
affecting the returns of an investment, an asset class, or an individual
company's profits.<o:p></o:p></span></span></p><p class="MsoNormal" style="line-height: 23.4pt; margin-bottom: 9.35pt; text-align: justify;"><span style="font-family: georgia; font-size: x-large;"><b><span style="color: #333333;">Should
you invest in business cycle funds?</span></b><span style="color: #333333;"><o:p></o:p></span></span></p><p class="MsoNormal" style="line-height: 23.4pt; margin-bottom: 9.35pt; text-align: justify;"><span style="color: #333333; font-size: 14pt;"><span style="font-family: georgia;">The decision is
subjective, but it is important to keep in mind the returns and risks involved.
You can take calculated risks to exploit the profits offered by the funds.<o:p></o:p></span></span></p><p class="MsoNormal" style="line-height: 23.4pt; margin-bottom: 9.35pt; text-align: justify;"><span style="color: #333333; font-size: 14pt;"><span style="font-family: georgia;">If you are a new
investor, staying away from thematic funds and investing in diversified equity
funds will be better. To know more, you can contact us.<o:p></o:p></span></span></p><p class="MsoNormal" style="line-height: 23.4pt; margin-bottom: 9.35pt; text-align: justify;"><span style="color: #333333; font-size: 14pt;"><span style="font-family: georgia;">This blog is purely
for educational purposes and not to be treated as personal advice. Mutual funds
are subject to market risks, read all scheme-related documents carefully.<o:p></o:p></span></span></p><p class="MsoNormal" style="line-height: 23.4pt; margin-bottom: 9.35pt; text-align: justify;"><span style="font-family: georgia;"><span style="color: #333333; font-size: 14pt;"></span></span></p><div class="separator" style="clear: both; text-align: center;"><a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEj2T_MQOyK01BakzsX6rwM6XHXLdFie9_PIsohi3Mr3Pdlmrm3mS7Lg4vTgQobeTnu3XDz_V0CkT7t_ecmEIqZ7BhvoVZG6ovD9kwwPYGDrZj6Lx7l2gK3UAvXYysqb3UEnO-V86fJt6Nxjn-6gyhBJabxrbcbf2pA5YGt_ICnIRRMt3j42Q27ALNdw/s688/LOGO_V6%20ARTHGYAN%20LLP.png" style="margin-left: 1em; margin-right: 1em;"><span style="font-family: georgia;"><img border="0" data-original-height="688" data-original-width="688" height="320" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEj2T_MQOyK01BakzsX6rwM6XHXLdFie9_PIsohi3Mr3Pdlmrm3mS7Lg4vTgQobeTnu3XDz_V0CkT7t_ecmEIqZ7BhvoVZG6ovD9kwwPYGDrZj6Lx7l2gK3UAvXYysqb3UEnO-V86fJt6Nxjn-6gyhBJabxrbcbf2pA5YGt_ICnIRRMt3j42Q27ALNdw/s320/LOGO_V6%20ARTHGYAN%20LLP.png" width="320" /></span></a></div><p></p><h2 style="line-height: normal; margin-bottom: 0.0001pt;"><b><span style="font-family: georgia; font-size: large;"> AMFI Registered Mutual Fund Distributor </span></b></h2><h2 style="line-height: normal; margin-bottom: 0.0001pt;"><span style="font-family: georgia;"><span lang="HI" style="font-size: large;"> </span><span lang="HI" style="font-size: large;">6306522855</span><span style="font-size: large;"> </span></span></h2><div><b><span style="font-family: georgia; font-size: large;"><div class="separator" style="clear: both; font-size: medium; font-weight: 400; text-align: center;"><span style="text-align: left;"></span></div><h2 style="line-height: normal; margin-bottom: 0.0001pt;"><span style="font-size: large;"> <b>Burlington, Lucknow, </b></span><b style="font-size: large;"><span lang="HI">226001</span><span> </span></b></h2></span></b></div><div class="separator" style="clear: both; text-align: center;"><span style="font-family: georgia; text-align: left;"><h2 style="line-height: normal; margin-bottom: 0.0001pt;"><span style="font-size: medium;"><b><span><o:p></o:p></span></b></span><span style="font-size: medium;"> customercare@vsix.co.in || www.vsix.co.in<br /></span><span style="font-size: medium;"><b><span> </span><span> </span></b></span></h2></span><p class="MsoNormal" style="line-height: 23.4pt; margin-bottom: 9.35pt; text-align: justify;"><span style="color: #333333; font-size: 14pt;"><span style="font-family: georgia;"> </span></span></p></div><p class="MsoNormal" style="line-height: 23.4pt; margin-bottom: 9.35pt; text-align: justify;"><span style="font-family: georgia;"><span style="color: #333333; font-size: 14pt;"></span></span></p><div class="separator" style="clear: both; text-align: center;"><span style="font-family: georgia;"><br /></span></div><span style="font-family: georgia;"><br /><br /></span><p></p><p class="MsoNormal" style="line-height: 23.4pt; margin-bottom: 9.35pt; text-align: justify;"><span style="color: #333333; font-size: 14pt;"><span style="font-family: georgia;"> <o:p></o:p></span></span></p><p class="MsoNormal" style="line-height: 23.4pt; margin-bottom: 9.35pt; text-align: justify;"><span style="color: #333333; font-size: 14pt;"><span style="font-family: georgia;"> <o:p></o:p></span></span></p><p class="MsoNormal" style="line-height: 23.4pt; margin-bottom: 9.35pt; text-align: justify;"><span style="color: #333333; font-size: 14pt;"><span style="font-family: georgia;"> <o:p></o:p></span></span></p><p class="MsoNormal" style="line-height: 23.4pt; margin-bottom: 9.35pt; text-align: justify;"><span style="color: #333333; font-size: 14pt;"><span style="font-family: georgia;"> <o:p></o:p></span></span></p><p class="MsoNormal" style="line-height: 23.4pt; margin-bottom: 9.35pt; text-align: justify;"><span style="color: #333333; font-size: 14pt;"><span style="font-family: georgia;"> <o:p></o:p></span></span></p><p class="MsoNormal" style="line-height: 23.4pt; margin-bottom: 9.35pt; text-align: justify;"><span style="color: #333333; font-size: 14pt;"><span style="font-family: georgia;"> <o:p></o:p></span></span></p><p class="MsoNormal" style="line-height: 23.4pt; margin-bottom: 9.35pt; text-align: justify;"><span style="color: #333333; font-size: 14pt;"><span style="font-family: georgia;"> <o:p></o:p></span></span></p><p class="MsoNormal" style="line-height: 23.4pt; margin-bottom: 9.35pt; text-align: justify;"><span style="color: #333333; font-size: 14pt;"><span style="font-family: georgia;"> <o:p></o:p></span></span></p><p class="MsoNormal" style="line-height: 23.4pt; margin-bottom: 9.35pt; text-align: justify;"><span style="color: #333333; font-size: 14pt;"><span style="font-family: georgia;"> <o:p></o:p></span></span></p><p class="MsoNormal" style="line-height: 23.4pt; margin-bottom: 9.35pt; text-align: justify;"><span style="color: #333333; font-size: 14pt;"><span style="font-family: georgia;"> <o:p></o:p></span></span></p><p class="MsoNormal" style="line-height: 23.4pt; margin-bottom: 9.35pt; text-align: justify;"><span style="color: #333333; font-size: 14pt;"><span style="font-family: georgia;"> <o:p></o:p></span></span></p><p class="MsoNormal" style="line-height: 23.4pt; margin-bottom: 9.35pt; text-align: justify;"><span style="color: #333333; font-size: 14pt;"><span style="font-family: georgia;"> <o:p></o:p></span></span></p><p class="MsoNormal" style="line-height: 23.4pt; margin-bottom: 9.35pt; text-align: justify;"><span style="color: #333333; font-size: 14pt;"><span style="font-family: georgia;"> <o:p></o:p></span></span></p><p class="MsoNormal" style="line-height: 23.4pt; margin-bottom: 9.35pt; text-align: justify;"><span style="color: #333333; font-size: 14pt;"><span style="font-family: georgia;"> <o:p></o:p></span></span></p><p class="MsoNormal" style="line-height: 23.4pt; margin-bottom: 9.35pt; text-align: justify;"><span style="color: #333333; font-size: 14pt;"><span style="font-family: georgia;"> <o:p></o:p></span></span></p><p class="MsoNormal" style="line-height: 23.4pt; margin-bottom: 9.35pt; text-align: justify;"><span style="color: #333333; font-size: 14pt;"><span style="font-family: georgia;"> <o:p></o:p></span></span></p><p class="MsoNormal" style="line-height: 23.4pt; margin-bottom: 9.35pt; text-align: justify;"><span style="color: #333333; font-size: 14pt;"><span style="font-family: georgia;"> <o:p></o:p></span></span></p><p align="center" class="MsoNormal" style="background: rgb(221, 221, 221); line-height: 16.85pt; margin-bottom: 0cm; text-align: center;"><br /></p>V6 ARTHGYAN LLPhttp://www.blogger.com/profile/18128509813979049058noreply@blogger.com0tag:blogger.com,1999:blog-4746449159280106368.post-664255808327450972022-12-30T21:04:00.000-08:002022-12-30T21:04:26.454-08:00 बिजनेस साइकिल फंड<p class="MsoNormal" style="background: rgb(84, 141, 212); line-height: normal; mso-background-themecolor: text2; mso-background-themetint: 153; mso-margin-bottom-alt: auto; mso-margin-top-alt: auto;"><b><span style="color: white;"><span style="font-family: Mangal, "serif"; font-size: 24pt;"> <span lang="HI">बिजनेस साइकिल फंड</span></span><span style="font-family: "Times New Roman", "serif"; font-size: 13.5pt;"><o:p></o:p></span></span></b></p><blockquote style="border: none; margin: 0px 0px 0px 40px; padding: 0px;"><p class="MsoNormal" style="text-align: left;"><span lang="HI" style="font-family: Mangal, "serif"; line-height: 115%;"><a href="https://blogger.googleusercontent.com/img/a/AVvXsEiMhMbOApxroZ7FU3rHLOwdPeAetQzbVDMkMDRg1NvtjUMSIykJB17vQ3VfgBVZshSsEbAzQa5XbAqQIcyMXX1piaOHwmV83WyKSf2PwVQIdc1kqTwwfJpnzPmpzdj_kXUvJkrihNAlAoDRSSDu1dpwOi4MQ10Qdn4vQdF98COq2HqNCEoVB8JJZm-L" style="font-family: "Times New Roman"; margin-left: 1em; margin-right: 1em; text-align: center;"><span style="font-family: georgia;"><img alt="" data-original-height="391" data-original-width="676" height="326" src="https://blogger.googleusercontent.com/img/a/AVvXsEiMhMbOApxroZ7FU3rHLOwdPeAetQzbVDMkMDRg1NvtjUMSIykJB17vQ3VfgBVZshSsEbAzQa5XbAqQIcyMXX1piaOHwmV83WyKSf2PwVQIdc1kqTwwfJpnzPmpzdj_kXUvJkrihNAlAoDRSSDu1dpwOi4MQ10Qdn4vQdF98COq2HqNCEoVB8JJZm-L=w638-h326" width="638" /></span></a></span></p></blockquote><p class="MsoNormal"><span lang="HI" style="font-family: Mangal, "serif"; line-height: 115%;"></span></p><p class="MsoNormal"><b><span style="font-size: x-large;"><span lang="HI" style="font-family: Mangal, "serif"; line-height: 115%;">क्या आपको बिजनेस साइकिल फंड में निवेश करना
चाहिए</span>?<o:p></o:p></span></b></p><p class="MsoNormal"><span style="font-size: medium;"><span lang="HI" style="font-family: Mangal, "serif"; line-height: 115%;">जलवायु की तरह</span>, <span lang="HI" style="font-family: Mangal, "serif"; line-height: 115%;">जिसमें मौसमी
चक्र होते हैं</span>, <span lang="HI" style="font-family: Mangal, "serif"; line-height: 115%;">अर्थव्यवस्था भी चक्रों से गुजरती है।व्यापार
चक्र एक प्रकार की भिन्नता है जो किसी देश की समग्र आर्थिक गतिविधि में देखी जा
सकती है।एक व्यापार चक्र में विस्तार शामिल होते हैं जो कई अलग-अलग आर्थिक
क्षेत्रों और क्षेत्रों में लगभग एक साथ होते हैं</span>, <span lang="HI" style="font-family: Mangal, "serif"; line-height: 115%;">इसके बाद समान
रूप से व्यापक संकुचन (मंदी) होते हैं।श्रृंखला में वृद्धि के बाद उछाल या शिखर</span>,
<span lang="HI" style="font-family: Mangal, "serif"; line-height: 115%;">फिर
मंदी और गर्त (जब अर्थव्यवस्था गहरी मंदी में होती है) शामिल हैं।</span><o:p></o:p></span></p><p class="MsoNormal"><span style="font-size: medium;"><span lang="HI" style="font-family: Mangal, "serif"; line-height: 115%;">हालांकि आवधिक नहीं है</span>, <span lang="HI" style="font-family: Mangal, "serif"; line-height: 115%;">समायोजन की यह
श्रृंखला अक्सर होती है। इन परिवर्तनों को मुद्रास्फीति</span>, <span lang="HI" style="font-family: Mangal, "serif"; line-height: 115%;">ब्याज दरों</span>,
<span lang="HI" style="font-family: Mangal, "serif"; line-height: 115%;">सरकारी
नीतियों</span>, <span lang="HI" style="font-family: Mangal, "serif"; line-height: 115%;">विदेशी देशों के कार्यों और नीतियों</span>, <span lang="HI" style="font-family: Mangal, "serif"; line-height: 115%;">मांग में
परिवर्तन और धन की आपूर्ति आदि जैसे कई कारकों के कारण ट्रिगर किया जा सकता है।</span><o:p></o:p></span></p><p class="MsoNormal"><span style="font-size: medium;"><span lang="HI" style="font-family: Mangal, "serif"; line-height: 115%;">विभिन्न व्यापार चक्र चरण कई अर्थव्यवस्थाओं
में समय के विभिन्न बिंदुओं पर दिखाई दे सकते हैं।नतीजतन</span>, <span lang="HI" style="font-family: Mangal, "serif"; line-height: 115%;">ऐसे अवसर हो
सकते हैं जब एक अर्थव्यवस्था में एक विशिष्ट व्यवसाय चक्र अन्य अर्थव्यवस्थाओं के
लिए व्यावसायिक अवसर प्रदान करता है।</span></span><o:p></o:p></p><p class="MsoNormal"><span style="font-size: x-large;"><b><span lang="HI" style="font-family: Mangal, "serif"; line-height: 115%;">अब</span>, <span lang="HI" style="font-family: Mangal, "serif"; line-height: 115%;">एक व्यापार चक्र निधि क्या है</span>?<o:p></o:p></b></span></p><p class="MsoNormal"><span style="font-size: medium;"><span lang="HI" style="font-family: Mangal, "serif"; line-height: 115%;">एक बिजनेस साइकिल फंड आर्थिक रुझानों की पहचान
करता है और निवेश के व्यवसाय चक्र दृष्टिकोण को तैनात करके बेहतर प्रदर्शन करने की
संभावना वाले क्षेत्रों में फंड का निवेश करता है।विस्तार चरण के दौरान</span>, <span lang="HI" style="font-family: Mangal, "serif"; line-height: 115%;">यह
उन फर्मों के शेयरों को खरीदेगा जो व्यापार चक्र या बाजार / क्षेत्र के नेताओं से
लाभान्वित हो सकते हैं।</span><o:p></o:p></span></p><p class="MsoNormal"><span style="font-size: medium;"><span lang="HI" style="font-family: Mangal, "serif"; line-height: 115%;">बिजनेस साइकिल फंड एक ही सेक्टर की परवाह किए
बिना विभिन्न कंपनियों में निवेश करते हैं</span>, <span lang="HI" style="font-family: Mangal, "serif"; line-height: 115%;">जबकि सेक्टर फंड
केवल एक सेक्टर-विशिष्ट क्षेत्र की कंपनी में निवेश करते हैं।उदाहरण के लिए</span>,
<span lang="HI" style="font-family: Mangal, "serif"; line-height: 115%;">एक
प्रौद्योगिकी क्षेत्र म्यूचुअल फंड केवल प्रौद्योगिकी से संबंधित कंपनियों में
निवेश करेगा।इसके विपरीत</span>, <span lang="HI" style="font-family: Mangal, "serif"; line-height: 115%;">एक बिजनेस साइकिल फंड उन सभी कंपनियों
में निवेश करेगा जो अर्थव्यवस्था के किसी विशेष चरण में सकारात्मक रूप से प्रभावित
हो सकते हैं।</span></span><o:p></o:p></p><p class="MsoNormal"><span style="font-size: x-large;"><b><span lang="HI" style="font-family: Mangal, "serif"; line-height: 115%;">बिजनेस साइकिल फंड में निवेश करने के क्या
फायदे हैं</span>?<o:p></o:p></b></span></p><p class="MsoNormal"><span style="font-size: medium;"><span lang="HI" style="font-family: Mangal, "serif"; line-height: 115%;">यह समझना महत्वपूर्ण है कि क्षेत्र के प्रदर्शन
में आर्थिक चक्र में उतार-चढ़ाव होता है।उदाहरण के लिए</span>, <span lang="HI" style="font-family: Mangal, "serif"; line-height: 115%;">वित्तीय क्षेत्र
रिकवरी और बूम अवधि के दौरान बेहतर प्रदर्शन करेगा।फिर भी</span>, <span lang="HI" style="font-family: Mangal, "serif"; line-height: 115%;">फार्मा और
एफएमसीजी जैसे उद्योग शायद मंदी के दौर जैसे चरणों के दौरान अन्य उद्योगों की
तुलना में काफी बेहतर प्रदर्शन करेंगे।उदाहरण के लिए</span>, <span lang="HI" style="font-family: Mangal, "serif"; line-height: 115%;">दवा और संचार
उद्योग महामारी के दौरान लाभदायक थे</span>, <span lang="HI" style="font-family: Mangal, "serif"; line-height: 115%;">जबकि अर्थव्यवस्था मंदी में थी।</span><o:p></o:p></span></p><p class="MsoNormal"><span style="font-size: medium;"><span lang="HI" style="font-family: Mangal, "serif"; line-height: 115%;">एक फंड मैनेजर अपने निपटान में बड़ी शोध टीम के
कारण निर्णय लेने के लिए बेहतर स्थिति में है क्योंकि एक क्षेत्र की सभी कंपनियां
सबसे अच्छे समय पर भी अच्छा प्रदर्शन नहीं करेंगी।निवेशक यह जानकर सुरक्षित महसूस
कर सकते हैं कि उनके पोर्टफोलियो बाजार चक्रों के माध्यम से सवारी करने और इस
निवेश रणनीति के लिए बाजार के अवसरों का लाभ उठाने के लिए पर्याप्त मजबूत होंगे।</span><o:p></o:p></span></p><p class="MsoNormal"><span style="font-size: medium;"><span lang="HI" style="font-family: Mangal, "serif"; line-height: 115%;">इस योजना का निवेश लक्ष्य विभिन्न व्यापार चक्र
चरणों में क्षेत्रों और शेयरों के बीच आवंटन के माध्यम से दीर्घकालिक पूंजी वृद्धि
का उत्पादन करना है</span>, <span lang="HI" style="font-family: Mangal, "serif"; line-height: 115%;">जबकि व्यापार चक्रों पर जोर देने के साथ निवेश
करना है।</span><o:p></o:p></span></p><p class="MsoNormal"><span style="font-size: medium;">• <span lang="HI" style="font-family: Mangal, "serif"; line-height: 115%;">यह उद्योग के नेताओं या व्यवसायों के स्टॉक
खरीदेगा जो एक क्षेत्र के अच्छा प्रदर्शन करने पर अच्छा प्रदर्शन करते हैं।यह
आर्थिक विस्तार के दौरान होगा।</span><o:p></o:p></span></p><p class="MsoNormal"><span style="font-size: medium;">• <span lang="HI" style="font-family: Mangal, "serif"; line-height: 115%;">यह उन उद्योगों से व्यवसायों में निवेश करेगा
जो संकुचन चरण के दौरान मंदी के खिलाफ सुरक्षा प्रदान करते हैं।</span><o:p></o:p></span></p><p class="MsoNormal"><span style="font-size: medium;"><span lang="HI" style="font-family: Mangal, "serif"; line-height: 115%;">व्यापार चक्र छोटे हो गए हैं</span>, <span lang="HI" style="font-family: Mangal, "serif"; line-height: 115%;">और
एक पोर्टफोलियो को बदलती स्थितियों के लिए तेजी से प्रतिक्रिया देनी चाहिए।</span><o:p></o:p></span></p><p class="MsoNormal"><span style="font-size: x-large;"><b><span lang="HI" style="font-family: Mangal, "serif"; line-height: 115%;">बिजनेस साइकिल फंड में शामिल जोखिम</span><o:p></o:p></b></span></p><p class="MsoNormal"><span style="font-size: medium;"><span lang="HI" style="font-family: Mangal, "serif"; line-height: 115%;">बिजनेस साइकिल फंड में निवेश करने में
महत्वपूर्ण जोखिम समय है।व्यापार चक्र में चरण जल्दी से बदल सकते हैं</span>, <span lang="HI" style="font-family: Mangal, "serif"; line-height: 115%;">और
इस स्थिति में</span>, <span lang="HI" style="font-family: Mangal, "serif"; line-height: 115%;">फंड प्रबंधकों को परिवर्तनों पर विचार करना
होगा और उचित निवेश कॉल करना होगा।</span><o:p></o:p></span></p><p class="MsoNormal"><span style="font-size: medium;"><span lang="HI" style="font-family: Mangal, "serif"; line-height: 115%;">एक और जोखिम चक्रीय जोखिम है। यह एक निवेश</span>,
<span lang="HI" style="font-family: Mangal, "serif"; line-height: 115%;">एक
परिसंपत्ति वर्ग</span>, <span lang="HI" style="font-family: Mangal, "serif"; line-height: 115%;">या एक व्यक्तिगत कंपनी के मुनाफे के रिटर्न पर
प्रतिकूल प्रभाव डालने वाले व्यावसायिक चक्रों या अन्य आर्थिक चक्रों का जोखिम है।</span><o:p></o:p></span></p><p class="MsoNormal"><span style="font-size: x-large;"><b><span lang="HI" style="font-family: Mangal, "serif"; line-height: 115%;">क्या आपको बिजनेस साइकिल फंड में निवेश करना
चाहिए</span>?<o:p></o:p></b></span></p><p class="MsoNormal"><span style="font-size: medium;"><span lang="HI" style="font-family: Mangal, "serif"; line-height: 115%;"></span></span></p><div class="separator" style="clear: both; text-align: center;"><span style="font-size: medium;"><br /></span></div><span style="font-size: medium;"><br />निर्णय व्यक्तिपरक है, <span lang="HI" style="font-family: Mangal, "serif"; line-height: 115%;">लेकिन इसमें
शामिल रिटर्न और जोखिमों को ध्यान में रखना महत्वपूर्ण है।आप फंडों द्वारा दिए गए
मुनाफे का फायदा उठाने के लिए परिकलित जोखिम उठा सकते हैं।</span><o:p></o:p></span><p></p><p class="MsoNormal"><span style="font-size: medium;"><span lang="HI" style="font-family: Mangal, "serif"; line-height: 115%;">यदि आप एक नए निवेशक हैं</span>, <span lang="HI" style="font-family: Mangal, "serif"; line-height: 115%;">तो
विषयगत फंडों से दूर रहना और विविध इक्विटी फंडों में निवेश करना बेहतर होगा।अधिक
जानने के लिए</span>, <span lang="HI" style="font-family: Mangal, "serif"; line-height: 115%;">आप हमसे संपर्क कर सकते हैं।</span><o:p></o:p></span></p><p class="MsoNormal"><span style="font-size: medium;"><span lang="HI" style="font-family: Mangal, "serif"; line-height: 115%;">यह ब्लॉग विशुद्ध रूप से शैक्षिक उद्देश्यों के
लिए है और इसे व्यक्तिगत सलाह के रूप में नहीं माना जाना चाहिए।म्यूचुअल फंड बाजार
जोखिमों के अधीन हैं</span>, <span lang="HI" style="font-family: Mangal, "serif"; line-height: 115%;">योजना से संबंधित सभी दस्तावेजों को ध्यान से
पढ़ें।</span><o:p></o:p></span></p><p class="MsoNormal">
</p><blockquote style="border: none; margin: 0px 0px 0px 40px; padding: 0px;"><blockquote style="border: none; margin: 0px 0px 0px 40px; padding: 0px;"><table align="center" cellpadding="0" cellspacing="0" class="tr-caption-container" style="margin-left: auto; margin-right: auto;"><tbody><tr><td style="text-align: center;"><a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEh8iep2mOeeEY8u6y9AH-mK73t_zs4fNZuqwYDs6TdiSlLL4Wpw_DO93I2Xk879b0tH0_af_969q--ElVhh1MLJjc4RDXAEyou69ifzne2nAldNOZiF1Q9rMHkcu4ix2WtE4nLVxt1w_IezsYXmSEynKFd6zUOv_jaMgPH9G12QhFwXwo87EDierCwP/s688/LOGO_V6%20ARTHGYAN%20LLP.png" style="font-family: Mangal, "serif"; font-size: large; margin-left: auto; margin-right: auto; text-align: center;"><img border="0" data-original-height="688" data-original-width="688" height="320" 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href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEh8iep2mOeeEY8u6y9AH-mK73t_zs4fNZuqwYDs6TdiSlLL4Wpw_DO93I2Xk879b0tH0_af_969q--ElVhh1MLJjc4RDXAEyou69ifzne2nAldNOZiF1Q9rMHkcu4ix2WtE4nLVxt1w_IezsYXmSEynKFd6zUOv_jaMgPH9G12QhFwXwo87EDierCwP/s688/LOGO_V6%20ARTHGYAN%20LLP.png" style="font-family: Mangal, "serif"; font-size: large; margin-left: 1em; margin-right: 1em; text-align: center;"></a></p></blockquote></blockquote></blockquote><p><br /></p><h2 style="line-height: normal; margin-bottom: 0.0001pt;"><b><span style="font-family: georgia; font-size: large;"> AMFI Registered Mutual Fund Distributor </span></b></h2><h2 style="line-height: normal; margin-bottom: 0.0001pt;"><span style="font-family: georgia;"><span lang="HI" style="font-size: large;"> </span><span lang="HI" style="font-size: large;">6306522855</span><span style="font-size: large;"> </span></span></h2><div><b><span style="font-family: georgia; font-size: large;"><div class="separator" style="clear: both; font-size: medium; font-weight: 400; text-align: center;"><span style="text-align: left;"></span></div><h2 style="line-height: normal; margin-bottom: 0.0001pt;"><span style="font-size: large;"> <b>Burlington, Lucknow, </b></span><b style="font-size: large;"><span lang="HI">226001</span><span> </span></b></h2></span></b></div><div class="separator" style="clear: both; text-align: center;"><span style="font-family: georgia; text-align: left;"><h2 style="line-height: normal; margin-bottom: 0.0001pt;"><span style="font-size: medium;"><o:p></o:p></span><span style="font-size: medium;"> customercare@vsix.co.in || www.vsix.co.in</span></h2></span></div><p> </p><p class="MsoNormal"><o:p></o:p></p>V6 ARTHGYAN LLPhttp://www.blogger.com/profile/18128509813979049058noreply@blogger.com0tag:blogger.com,1999:blog-4746449159280106368.post-16252835649017158382022-11-14T20:43:00.000-08:002022-11-14T20:43:12.549-08:00चाहे म्युचुअल फंड या पीएमएस के लिए जाएं<p class="MsoNormal" style="line-height: 29.9pt; margin-bottom: 0cm; tab-stops: 45.8pt 91.6pt 137.4pt 183.2pt 229.0pt 274.8pt 320.6pt 366.4pt 412.2pt 458.0pt 503.8pt 549.6pt 595.4pt 641.2pt 687.0pt 732.8pt;"><span style="font-family: georgia; font-size: x-large;"><b><span lang="HI" style="color: #202124; mso-ansi-font-size: 11.0pt; mso-ascii-font-family: Arial; mso-fareast-font-family: "Times New Roman"; mso-hansi-font-family: Arial;"> चाहे</span><span face=""Arial","sans-serif"" lang="HI" style="color: #202124; mso-ansi-font-size: 11.0pt; mso-fareast-font-family: "Times New Roman";"> </span><span lang="HI" style="color: #202124; mso-ansi-font-size: 11.0pt; mso-ascii-font-family: Arial; mso-fareast-font-family: "Times New Roman"; mso-hansi-font-family: Arial;">म्युचुअल</span><span face=""Arial","sans-serif"" lang="HI" style="color: #202124; mso-ansi-font-size: 11.0pt; mso-fareast-font-family: "Times New Roman";"> </span><span lang="HI" style="color: #202124; mso-ansi-font-size: 11.0pt; mso-ascii-font-family: Arial; mso-fareast-font-family: "Times New Roman"; mso-hansi-font-family: Arial;">फंड</span><span face=""Arial","sans-serif"" lang="HI" style="color: #202124; mso-ansi-font-size: 11.0pt; mso-fareast-font-family: "Times New Roman";"> </span><span lang="HI" style="color: #202124; mso-ansi-font-size: 11.0pt; mso-ascii-font-family: Arial; mso-fareast-font-family: "Times New Roman"; mso-hansi-font-family: Arial;">या</span><span face=""Arial","sans-serif"" lang="HI" style="color: #202124; mso-ansi-font-size: 11.0pt; mso-fareast-font-family: "Times New Roman";"> </span><span lang="HI" style="color: #202124; mso-ansi-font-size: 11.0pt; mso-ascii-font-family: Arial; mso-fareast-font-family: "Times New Roman"; mso-hansi-font-family: Arial;">पीएमएस</span><span face=""Arial","sans-serif"" lang="HI" style="color: #202124; mso-ansi-font-size: 11.0pt; mso-fareast-font-family: "Times New Roman";"> </span><span lang="HI" style="color: #202124; mso-ansi-font-size: 11.0pt; mso-ascii-font-family: Arial; mso-fareast-font-family: "Times New Roman"; mso-hansi-font-family: Arial;">के</span><span face=""Arial","sans-serif"" lang="HI" style="color: #202124; mso-ansi-font-size: 11.0pt; mso-fareast-font-family: "Times New Roman";"> </span><span lang="HI" style="color: #202124; mso-ansi-font-size: 11.0pt; mso-ascii-font-family: Arial; mso-fareast-font-family: "Times New Roman"; mso-hansi-font-family: Arial;">लिए</span><span face=""Arial","sans-serif"" lang="HI" style="color: #202124; mso-ansi-font-size: 11.0pt; mso-fareast-font-family: "Times New Roman";"> </span><span lang="HI" style="color: #202124; mso-ansi-font-size: 11.0pt; mso-ascii-font-family: Arial; mso-fareast-font-family: "Times New Roman"; mso-hansi-font-family: Arial;">जाएं</span><span face=""Arial","sans-serif"" style="color: #202124; mso-bidi-font-size: 26.0pt; mso-fareast-font-family: "Times New Roman";"><o:p></o:p></span></b></span></p><p class="MsoNormal" style="line-height: 29.9pt; margin-bottom: 0cm; tab-stops: 45.8pt 91.6pt 137.4pt 183.2pt 229.0pt 274.8pt 320.6pt 366.4pt 412.2pt 458.0pt 503.8pt 549.6pt 595.4pt 641.2pt 687.0pt 732.8pt;"><b><span lang="HI" style="color: #202124; font-family: georgia; font-size: x-large; mso-ansi-font-size: 11.0pt; mso-ascii-font-family: Arial; mso-fareast-font-family: "Times New Roman"; mso-hansi-font-family: Arial;"></span></b></p><div class="separator" style="clear: both; text-align: center;"><a href="https://blogger.googleusercontent.com/img/a/AVvXsEipXdHK-ZmiMqP9fvhJYoUPbTytwICdshztinY7PvwHfl2kypNa4ni4M-atistqcISgks0pEDkoXlGGgCOsM9AHsH3FIyOWENZMxqUi8VwPsgN0o9mCfXqtkgKfyFitXs8RzmdY2iK41xuFfyljEzWGlAtnG_XZ0MVOvYb-9C4yX7kt98f_7eHc3a_t" style="margin-left: 1em; margin-right: 1em;"><span style="font-family: georgia; font-size: medium;"><img alt="" data-original-height="204" data-original-width="405" height="307" src="https://blogger.googleusercontent.com/img/a/AVvXsEipXdHK-ZmiMqP9fvhJYoUPbTytwICdshztinY7PvwHfl2kypNa4ni4M-atistqcISgks0pEDkoXlGGgCOsM9AHsH3FIyOWENZMxqUi8VwPsgN0o9mCfXqtkgKfyFitXs8RzmdY2iK41xuFfyljEzWGlAtnG_XZ0MVOvYb-9C4yX7kt98f_7eHc3a_t=w609-h307" width="609" /></span></a></div><div class="separator" style="clear: both; text-align: center;"><span style="font-family: georgia; font-size: medium;"><br /></span></div><p></p><pre style="line-height: 29.9pt;"><span style="font-family: georgia; font-size: large;"><span class="y2iqfc"><span lang="HI" style="color: #202124; mso-ascii-font-family: Arial; mso-hansi-font-family: Arial;">म्युचुअल</span></span><span class="y2iqfc"><span face=""Arial","sans-serif"" lang="HI" style="color: #202124;"> </span></span><span class="y2iqfc"><span lang="HI" style="color: #202124; mso-ascii-font-family: Arial; mso-hansi-font-family: Arial;">फंड</span></span><span class="y2iqfc"><span face=""Arial","sans-serif"" lang="HI" style="color: #202124;"> </span></span><span class="y2iqfc"><span lang="HI" style="color: #202124; mso-ascii-font-family: Arial; mso-hansi-font-family: Arial;">या</span></span><span class="y2iqfc"><span face=""Arial","sans-serif"" lang="HI" style="color: #202124;"> </span></span><span class="y2iqfc"><span lang="HI" style="color: #202124; mso-ascii-font-family: Arial; mso-hansi-font-family: Arial;">पीएमएस</span></span><span class="y2iqfc"><span face=""Arial","sans-serif"" lang="HI" style="color: #202124;"> </span></span><span class="y2iqfc"><span lang="HI" style="color: #202124; mso-ascii-font-family: Arial; mso-hansi-font-family: Arial;">के</span></span><span class="y2iqfc"><span face=""Arial","sans-serif"" lang="HI" style="color: #202124;"> </span></span><span class="y2iqfc"><span lang="HI" style="color: #202124; mso-ascii-font-family: Arial; mso-hansi-font-family: Arial;">लिए</span></span><span class="y2iqfc"><span face=""Arial","sans-serif"" lang="HI" style="color: #202124;"> </span></span><span class="y2iqfc"><span lang="HI" style="color: #202124; mso-ascii-font-family: Arial; mso-hansi-font-family: Arial;">जाना</span></span><span class="y2iqfc"><span face=""Arial","sans-serif"" lang="HI" style="color: #202124;"> </span></span><span class="y2iqfc"><span lang="HI" style="color: #202124; mso-ascii-font-family: Arial; mso-hansi-font-family: Arial;">है</span></span><span class="y2iqfc"><span face=""Arial","sans-serif"" lang="HI" style="color: #202124;"> </span></span><span class="y2iqfc"><span lang="HI" style="color: #202124; mso-ascii-font-family: Arial; mso-hansi-font-family: Arial;">या</span></span><span class="y2iqfc"><span face=""Arial","sans-serif"" lang="HI" style="color: #202124;"> </span></span><span class="y2iqfc"><span lang="HI" style="color: #202124; mso-ascii-font-family: Arial; mso-hansi-font-family: Arial;">नहीं</span></span><span class="y2iqfc"><span face=""Arial","sans-serif"" style="color: #202124;">?<o:p></o:p></span></span></span></pre><pre style="line-height: 29.9pt;"><span class="y2iqfc"><pre style="line-height: 29.9pt;"><span style="font-family: georgia; font-size: large;"><b><span class="y2iqfc"><u><span lang="HI" style="color: #202124; mso-ascii-font-family: Arial; mso-hansi-font-family: Arial;">पोर्टफोलियो</span></u></span><span class="y2iqfc"><u><span face=""Arial","sans-serif"" lang="HI" style="color: #202124;"> </span></u></span><span class="y2iqfc"><u><span lang="HI" style="color: #202124; mso-ascii-font-family: Arial; mso-hansi-font-family: Arial;">मैनेजमेंट</span></u></span><span class="y2iqfc"><u><span face=""Arial","sans-serif"" lang="HI" style="color: #202124;"> </span></u></span><span class="y2iqfc"><u><span lang="HI" style="color: #202124; mso-ascii-font-family: Arial; mso-hansi-font-family: Arial;">सर्विसेज</span></u></span><span class="y2iqfc"><u><span face=""Arial","sans-serif"" lang="HI" style="color: #202124;"> (</span></u></span><span class="y2iqfc"><u><span lang="HI" style="color: #202124; mso-ascii-font-family: Arial; mso-hansi-font-family: Arial;">पीएमएस</span></u></span><span class="y2iqfc"><u><span face=""Arial","sans-serif"" lang="HI" style="color: #202124;">) </span></u></span><span class="y2iqfc"><u><span face=""Arial","sans-serif"" style="color: #202124;"><o:p></o:p></span></u></span></b></span></pre><pre style="line-height: 29.9pt;"><span class="y2iqfc"><pre style="line-height: 29.9pt;"><span style="font-size: medium;"><span style="font-family: georgia;"><span class="y2iqfc"><span lang="HI" style="color: #202124; mso-ascii-font-family: Arial; mso-hansi-font-family: Arial;">म्यूचुअल</span></span><span class="y2iqfc"><span face=""Arial","sans-serif"" lang="HI" style="color: #202124;"> </span></span><span class="y2iqfc"><span lang="HI" style="color: #202124; mso-ascii-font-family: Arial; mso-hansi-font-family: Arial;">फंड</span></span><span class="y2iqfc"><span face=""Arial","sans-serif"" lang="HI" style="color: #202124;"> </span></span><span class="y2iqfc"><span lang="HI" style="color: #202124; mso-ascii-font-family: Arial; mso-hansi-font-family: Arial;">की</span></span><span class="y2iqfc"><span face=""Arial","sans-serif"" lang="HI" style="color: #202124;"> </span></span><span class="y2iqfc"><span lang="HI" style="color: #202124; mso-ascii-font-family: Arial; mso-hansi-font-family: Arial;">तरह</span></span><span class="y2iqfc"><span face=""Arial","sans-serif"" lang="HI" style="color: #202124;"> </span></span><span class="y2iqfc"><span lang="HI" style="color: #202124; mso-ascii-font-family: Arial; mso-hansi-font-family: Arial;">लग</span></span><span class="y2iqfc"><span face=""Arial","sans-serif"" lang="HI" style="color: #202124;"> </span></span><span class="y2iqfc"><span lang="HI" style="color: #202124; mso-ascii-font-family: Arial; mso-hansi-font-family: Arial;">सकता</span></span><span class="y2iqfc"><span face=""Arial","sans-serif"" lang="HI" style="color: #202124;"> </span></span><span class="y2iqfc"><span lang="HI" style="color: #202124; mso-ascii-font-family: Arial; mso-hansi-font-family: Arial;">है।</span></span><span class="y2iqfc"><span face=""Arial","sans-serif"" lang="HI" style="color: #202124;"> </span></span><span class="y2iqfc"><span lang="HI" style="color: #202124; mso-ascii-font-family: Arial; mso-hansi-font-family: Arial;">क्या</span></span><span class="y2iqfc"><span face=""Arial","sans-serif"" lang="HI" style="color: #202124;"> </span></span><span class="y2iqfc"><span lang="HI" style="color: #202124; mso-ascii-font-family: Arial; mso-hansi-font-family: Arial;">आप</span></span><span class="y2iqfc"><span face=""Arial","sans-serif"" lang="HI" style="color: #202124;"> </span></span><span class="y2iqfc"><span lang="HI" style="color: #202124; mso-ascii-font-family: Arial; mso-hansi-font-family: Arial;">पीएमएस</span></span><span class="y2iqfc"><span face=""Arial","sans-serif"" lang="HI" style="color: #202124;"> </span></span><span class="y2iqfc"><span lang="HI" style="color: #202124; mso-ascii-font-family: Arial; mso-hansi-font-family: Arial;">और</span></span><span class="y2iqfc"><span face=""Arial","sans-serif"" lang="HI" style="color: #202124;"> </span></span><span class="y2iqfc"><span lang="HI" style="color: #202124; mso-ascii-font-family: Arial; mso-hansi-font-family: Arial;">म्यूचुअल </span></span></span><span class="y2iqfc" style="font-family: georgia;"><span lang="HI" style="color: #202124; mso-ascii-font-family: Arial; mso-hansi-font-family: Arial;">फंड</span><span lang="HI" style="color: #202124; mso-ascii-font-family: Arial; mso-hansi-font-family: Arial;"> </span></span><span class="y2iqfc" style="font-family: georgia;"><span lang="HI" style="color: #202124; mso-ascii-font-family: Arial; mso-hansi-font-family: Arial;">के</span><span lang="HI" style="color: #202124; mso-ascii-font-family: Arial; mso-hansi-font-family: Arial;"> </span></span><span class="y2iqfc" style="font-family: georgia;"><span lang="HI" style="color: #202124; mso-ascii-font-family: Arial; mso-hansi-font-family: Arial;">बीच</span></span><span class="y2iqfc" style="font-family: georgia;"><span face=""Arial","sans-serif"" lang="HI" style="color: #202124;"> </span></span><span class="y2iqfc" style="font-family: georgia;"><span lang="HI" style="color: #202124; mso-ascii-font-family: Arial; mso-hansi-font-family: Arial;">भ्रमित</span></span><span class="y2iqfc" style="font-family: georgia;"><span face=""Arial","sans-serif"" lang="HI" style="color: #202124;"> </span></span><span class="y2iqfc" style="font-family: georgia;"><span lang="HI" style="color: #202124; mso-ascii-font-family: Arial; mso-hansi-font-family: Arial;">हैं</span></span><span class="y2iqfc" style="font-family: georgia;"><span face=""Arial","sans-serif"" style="color: #202124;">? </span></span><span class="y2iqfc" style="font-family: georgia;"><span lang="HI" style="color: #202124; mso-ascii-font-family: Arial; mso-hansi-font-family: Arial;">जबकि</span></span><span class="y2iqfc" style="font-family: georgia;"><span face=""Arial","sans-serif"" lang="HI" style="color: #202124;"> </span></span><span class="y2iqfc" style="font-family: georgia;"><span lang="HI" style="color: #202124; mso-ascii-font-family: Arial; mso-hansi-font-family: Arial;">समानताएं</span></span><span class="y2iqfc" style="font-family: georgia;"><span face=""Arial","sans-serif"" lang="HI" style="color: #202124;"> </span></span><span class="y2iqfc" style="font-family: georgia;"><span lang="HI" style="color: #202124; mso-ascii-font-family: Arial; mso-hansi-font-family: Arial;">हैं</span></span><span class="y2iqfc" style="font-family: georgia;"><span face=""Arial","sans-serif"" style="color: #202124;">, </span></span><span class="y2iqfc" style="font-family: georgia;"><span lang="HI" style="color: #202124; mso-ascii-font-family: Arial; mso-hansi-font-family: Arial;">वे</span></span><span class="y2iqfc" style="font-family: georgia;"><span face=""Arial","sans-serif"" lang="HI" style="color: #202124;"> </span></span><span class="y2iqfc" style="font-family: georgia;"><span lang="HI" style="color: #202124; mso-ascii-font-family: Arial; mso-hansi-font-family: Arial;">समान</span></span><span class="y2iqfc" style="font-family: georgia;"><span face=""Arial","sans-serif"" lang="HI" style="color: #202124;"> </span></span><span class="y2iqfc" style="font-family: georgia;"><span lang="HI" style="color: #202124; mso-ascii-font-family: Arial; mso-hansi-font-family: Arial;">नहीं</span></span><span class="y2iqfc" style="font-family: georgia;"><span face=""Arial","sans-serif"" lang="HI" style="color: #202124;"> </span></span><span class="y2iqfc" style="font-family: georgia;"><span lang="HI" style="color: #202124; mso-ascii-font-family: Arial; mso-hansi-font-family: Arial;">हैं।</span></span><span class="y2iqfc" style="font-family: georgia;"><span lang="HI" style="color: #202124; mso-ascii-font-family: Arial; mso-hansi-font-family: Arial;">दोनों </span></span><span lang="HI" style="color: #202124; font-family: georgia;">के</span><span class="y2iqfc" style="font-family: georgia;"><span lang="HI" style="color: #202124;"> </span></span><span class="y2iqfc" style="font-family: georgia;"><span lang="HI" style="color: #202124;">बीच</span></span><span class="y2iqfc" style="font-family: georgia;"><span lang="HI" style="color: #202124;"> </span></span><span class="y2iqfc" style="font-family: georgia;"><span lang="HI" style="color: #202124;">के</span></span></span></pre><pre style="line-height: 29.9pt;"><span style="font-size: medium;"><span class="y2iqfc" style="font-family: georgia;"><span lang="HI" style="color: #202124;">अंतर</span></span><span class="y2iqfc" style="font-family: georgia;"><span lang="HI" style="color: #202124;"> </span></span><span class="y2iqfc" style="font-family: georgia;"><span lang="HI" style="color: #202124;">को</span></span><span class="y2iqfc" style="font-family: georgia;"><span lang="HI" style="color: #202124;"> </span></span><span class="y2iqfc" style="font-family: georgia;"><span lang="HI" style="color: #202124;">समझने</span></span><span class="y2iqfc" style="font-family: georgia;"><span lang="HI" style="color: #202124;"> </span></span><span class="y2iqfc" style="font-family: georgia;"><span lang="HI" style="color: #202124;">से</span></span><span class="y2iqfc" style="font-family: georgia;"><span lang="HI" style="color: #202124;"> </span></span><span class="y2iqfc" style="font-family: georgia;"><span lang="HI" style="color: #202124;">पहले</span></span><span class="y2iqfc" style="font-family: georgia;"><span lang="HI" style="color: #202124;"> </span></span><span class="y2iqfc" style="font-family: georgia;"><span lang="HI" style="color: #202124;">हमें</span></span><span class="y2iqfc" style="font-family: georgia;"><span lang="HI" style="color: #202124;"> </span></span><span class="y2iqfc" style="font-family: georgia;"><span lang="HI" style="color: #202124;">आपसी</span></span><span class="y2iqfc" style="font-family: georgia;"><span lang="HI" style="color: #202124;"> </span></span><span class="y2iqfc" style="font-family: georgia;"><span lang="HI" style="color: #202124;">और</span></span><span class="y2iqfc" style="font-family: georgia;"><span lang="HI" style="color: #202124;"> </span></span><span class="y2iqfc" style="font-family: georgia;"><span lang="HI" style="color: #202124;">पीएमएस</span></span><span class="y2iqfc" style="font-family: georgia;"><span lang="HI" style="color: #202124;"> </span></span><span class="y2iqfc" style="font-family: georgia;"><span lang="HI" style="color: #202124;">को </span></span><span lang="HI" style="color: #202124;">समझने</span><span class="y2iqfc" style="font-family: georgia;"><span lang="HI" style="color: #202124;"> </span></span><span class="y2iqfc" style="font-family: georgia;"><span lang="HI" style="color: #202124;">की</span></span><span class="y2iqfc" style="font-family: georgia;"><span lang="HI" style="color: #202124;"> </span></span><span class="y2iqfc" style="font-family: georgia;"><span lang="HI" style="color: #202124;">जरूरत</span></span><span class="y2iqfc" style="font-family: georgia;"><span lang="HI" style="color: #202124;"> </span></span><span class="y2iqfc" style="font-family: georgia;"><span lang="HI" style="color: #202124;">है।</span></span></span></pre><pre style="line-height: 29.9pt;"><span class="y2iqfc"><span lang="HI"><pre style="color: #202124;"><span style="font-family: georgia; font-size: large;"><b><span class="y2iqfc"><u><span lang="HI">म्यूचुअल</span></u></span><span class="y2iqfc"><u><span lang="HI"> </span></u></span><span class="y2iqfc"><u><span lang="HI">फंड्स</span></u></span><u><o:p></o:p></u></b></span></pre><pre><span class="y2iqfc"><pre style="color: #202124;"><span style="font-size: medium;"><span style="font-family: georgia;"><span class="y2iqfc"><span lang="HI">जब</span></span><span class="y2iqfc"><span lang="HI"> </span></span><span class="y2iqfc"><span lang="HI">कोई</span></span><span class="y2iqfc"><span lang="HI"> </span></span><span class="y2iqfc"><span lang="HI">संस्था</span></span><span class="y2iqfc"><span lang="HI"> </span></span><span class="y2iqfc"><span lang="HI">समान</span></span><span class="y2iqfc"><span lang="HI"> </span></span><span class="y2iqfc"><span lang="HI">निवेश</span></span><span class="y2iqfc"><span lang="HI"> </span></span><span class="y2iqfc"><span lang="HI">लक्ष्यों</span></span><span class="y2iqfc"><span lang="HI"> </span></span><span class="y2iqfc"><span lang="HI">वाले</span></span><span class="y2iqfc"><span lang="HI"> </span></span><span class="y2iqfc"><span lang="HI">कई</span></span><span class="y2iqfc"><span lang="HI"> </span></span><span class="y2iqfc"><span lang="HI">निवेशकों</span></span><span class="y2iqfc"><span lang="HI"> </span></span><span class="y2iqfc"><span lang="HI">से</span></span><span class="y2iqfc"><span lang="HI"> </span></span><span class="y2iqfc"><span lang="HI">धन</span></span><span class="y2iqfc"><span lang="HI"> </span></span><span class="y2iqfc"><span lang="HI">एकत्र</span></span><span class="y2iqfc"><span lang="HI"> </span></span><span class="y2iqfc"><span lang="HI">करने</span></span><span class="y2iqfc"><span lang="HI"> </span></span><span class="y2iqfc"><span lang="HI">के</span></span><span class="y2iqfc"><span lang="HI"> </span></span></span><span lang="HI">बाद</span><span class="y2iqfc" style="font-family: georgia;"><span lang="HI"> </span></span><span class="y2iqfc" style="font-family: georgia;"><span lang="HI">स्टॉक</span></span><span class="y2iqfc" style="font-family: georgia;">,</span><span class="y2iqfc" style="font-family: georgia;"><span lang="HI">बॉन्ड</span></span><span class="y2iqfc" style="font-family: georgia;">,<span lang="HI"> </span></span><span class="y2iqfc" style="font-family: georgia;"><span lang="HI">मनी</span></span><span class="y2iqfc" style="font-family: georgia;"><span lang="HI"> </span></span><span class="y2iqfc" style="font-family: georgia;"><span lang="HI">मार्केट</span></span><span class="y2iqfc" style="font-family: georgia;"><span lang="HI"> </span></span><span class="y2iqfc" style="font-family: georgia;"><span lang="HI">इंस्ट्रूमेंट्स</span></span><span class="y2iqfc" style="font-family: georgia;"><span lang="HI"> </span></span><span class="y2iqfc" style="font-family: georgia;"><span lang="HI">या</span></span><span class="y2iqfc" style="font-family: georgia;"><span lang="HI"> </span></span><span class="y2iqfc" style="font-family: georgia;"><span lang="HI">अन्य</span></span><span class="y2iqfc" style="font-family: georgia;"><span lang="HI"> </span></span><span class="y2iqfc" style="font-family: georgia;"><span lang="HI">प्रतिभूतियों</span></span><span class="y2iqfc" style="font-family: georgia;"><span lang="HI"> </span></span><span class="y2iqfc" style="font-family: georgia;"><span lang="HI">में</span></span><span class="y2iqfc" style="font-family: georgia;"><span lang="HI"> </span></span><span class="y2iqfc" style="font-family: georgia;"><span lang="HI">पैसा</span></span><span class="y2iqfc" style="font-family: georgia;"><span lang="HI"> </span></span><span class="y2iqfc" style="font-family: georgia;"><span lang="HI">निवेश</span></span><span class="y2iqfc" style="font-family: georgia;"><span lang="HI"> </span></span></span></pre><pre style="color: #202124;"><span style="font-size: medium;"><span style="font-family: georgia;"><span class="y2iqfc"><span lang="HI">करती</span></span><span class="y2iqfc"><span lang="HI"> </span></span><span class="y2iqfc"><span lang="HI">है</span></span><span class="y2iqfc">,<span lang="HI"> </span></span><span class="y2iqfc"><span lang="HI">तो</span></span><span class="y2iqfc"><span lang="HI"> </span></span><span class="y2iqfc"><span lang="HI">ऐसे</span></span><span class="y2iqfc"><span lang="HI"> </span></span><span class="y2iqfc"><span lang="HI">वित्तीय</span></span><span class="y2iqfc"><span lang="HI"> </span></span><span class="y2iqfc"><span lang="HI">साधन</span></span><span class="y2iqfc"><span lang="HI"> </span></span><span class="y2iqfc"><span lang="HI">को</span></span><span class="y2iqfc"><span lang="HI"> </span></span><span class="y2iqfc"><span lang="HI">म्यूचुअल</span></span><span class="y2iqfc"><span lang="HI"> </span></span><span class="y2iqfc"><span lang="HI">फंड</span></span><span class="y2iqfc"><span lang="HI"> </span></span><span class="y2iqfc"><span lang="HI">के</span></span><span class="y2iqfc"><span lang="HI"> </span></span><span class="y2iqfc"><span lang="HI">रूप</span></span><span lang="HI"> </span><span class="y2iqfc"><span lang="HI">में</span></span><span class="y2iqfc"><span lang="HI"> </span></span><span class="y2iqfc"><span lang="HI">जाना</span></span><span class="y2iqfc"><span lang="HI"> </span></span><span class="y2iqfc"><span lang="HI">जाता</span></span><span class="y2iqfc"><span lang="HI"> </span></span><span class="y2iqfc"><span lang="HI">है </span></span></span><span lang="HI">और</span><span class="y2iqfc" style="font-family: georgia;"><span lang="HI"> </span></span><span class="y2iqfc" style="font-family: georgia;"><span lang="HI">एक</span></span><span class="y2iqfc" style="font-family: georgia;"><span lang="HI"> </span></span><span class="y2iqfc" style="font-family: georgia;"><span lang="HI">योजना</span></span><span class="y2iqfc" style="font-family: georgia;"><span lang="HI"> </span></span><span class="y2iqfc" style="font-family: georgia;"><span lang="HI">के</span></span><span class="y2iqfc" style="font-family: georgia;"><span lang="HI"> "</span></span><span class="y2iqfc" style="font-family: georgia;"><span lang="HI">नेट</span></span><span class="y2iqfc" style="font-family: georgia;"><span lang="HI"> </span></span><span class="y2iqfc" style="font-family: georgia;"><span lang="HI">एसेट</span></span><span class="y2iqfc" style="font-family: georgia;"><span lang="HI"> </span></span><span class="y2iqfc" style="font-family: georgia;"><span lang="HI">वैल्यू</span></span><span class="y2iqfc" style="font-family: georgia;"><span lang="HI"> </span></span><span class="y2iqfc" style="font-family: georgia;"><span lang="HI">या</span></span><span class="y2iqfc" style="font-family: georgia;"><span lang="HI"> </span></span><span class="y2iqfc" style="font-family: georgia;"><span lang="HI">एनएवी</span></span><span class="y2iqfc" style="font-family: georgia;"><span lang="HI"> </span></span><span class="y2iqfc" style="font-family: georgia;"><span lang="HI">का</span></span><span lang="HI" style="font-family: georgia;"> </span><span class="y2iqfc" style="font-family: georgia;"><span lang="HI">निर्धारण</span></span><span class="y2iqfc" style="font-family: georgia;"><span lang="HI"> </span></span><span class="y2iqfc" style="font-family: georgia;"><span lang="HI">करके</span></span><span class="y2iqfc" style="font-family: georgia;">,<span lang="HI"> </span></span><span class="y2iqfc" style="font-family: georgia;"><span lang="HI">इस</span></span><span class="y2iqfc" style="font-family: georgia;"><span lang="HI"> </span></span></span></pre><pre style="color: #202124;"><span style="font-size: medium;"><span style="font-family: georgia;"><span class="y2iqfc"><span lang="HI">सामूहिक</span></span><span class="y2iqfc"><span lang="HI"> </span></span><span class="y2iqfc"><span lang="HI">निवेश</span></span><span class="y2iqfc"><span lang="HI"> </span></span><span class="y2iqfc"><span lang="HI">से</span></span><span class="y2iqfc"><span lang="HI"> </span></span><span class="y2iqfc"><span lang="HI">अर्जित</span></span><span class="y2iqfc"><span lang="HI"> </span></span><span class="y2iqfc"><span lang="HI">रिटर्न</span></span><span class="y2iqfc"><span lang="HI"> </span></span><span class="y2iqfc"><span lang="HI">को</span></span><span class="y2iqfc"><span lang="HI"> </span></span><span class="y2iqfc"><span lang="HI">किसी</span></span><span class="y2iqfc"><span lang="HI"> </span></span><span class="y2iqfc"><span lang="HI">भी</span></span><span class="y2iqfc"><span lang="HI"> </span></span><span class="y2iqfc"><span lang="HI">लागू</span></span><span class="y2iqfc"><span lang="HI"> </span></span><span lang="HI">खर्च</span><span class="y2iqfc"><span lang="HI"> </span></span><span class="y2iqfc"><span lang="HI">और</span></span><span class="y2iqfc"><span lang="HI"> </span></span><span class="y2iqfc"><span lang="HI">लेवी</span></span><span class="y2iqfc"><span lang="HI"> </span></span><span class="y2iqfc"><span lang="HI">पर</span></span><span class="y2iqfc"><span lang="HI"> </span></span></span><span lang="HI">विचार</span><span class="y2iqfc" style="font-family: georgia;"><span lang="HI"> </span></span><span class="y2iqfc" style="font-family: georgia;"><span lang="HI">करने</span></span><span class="y2iqfc" style="font-family: georgia;"><span lang="HI"> </span></span><span class="y2iqfc" style="font-family: georgia;"><span lang="HI">के</span></span><span class="y2iqfc" style="font-family: georgia;"><span lang="HI"> </span></span><span class="y2iqfc" style="font-family: georgia;"><span lang="HI">बाद</span></span><span class="y2iqfc" style="font-family: georgia;"><span lang="HI"> </span></span><span class="y2iqfc" style="font-family: georgia;"><span lang="HI">निवेशकों</span></span><span class="y2iqfc" style="font-family: georgia;"><span lang="HI"> </span></span><span class="y2iqfc" style="font-family: georgia;"><span lang="HI">के</span></span><span class="y2iqfc" style="font-family: georgia;"><span lang="HI"> </span></span><span class="y2iqfc" style="font-family: georgia;"><span lang="HI">बीच</span></span><span class="y2iqfc" style="font-family: georgia;"><span lang="HI"> </span></span><span class="y2iqfc" style="font-family: georgia;"><span lang="HI">आनुपातिक</span></span><span class="y2iqfc" style="font-family: georgia;"><span lang="HI"> </span></span><span class="y2iqfc" style="font-family: georgia;"><span lang="HI">रूप</span></span><span class="y2iqfc" style="font-family: georgia;"><span lang="HI"> </span></span><span class="y2iqfc" style="font-family: georgia;"><span lang="HI">से</span></span><span class="y2iqfc" style="font-family: georgia;"><span lang="HI"> </span></span><span class="y2iqfc" style="font-family: georgia;"><span lang="HI">वितरित</span></span><span class="y2iqfc" style="font-family: georgia;"><span lang="HI"> </span></span><span class="y2iqfc" style="font-family: georgia;"><span lang="HI">किया</span></span></span></pre><pre style="color: #202124;"><span style="font-family: georgia; font-size: medium;"><span class="y2iqfc"><span lang="HI">जाता</span></span><span class="y2iqfc"><span lang="HI"> </span></span><span class="y2iqfc"><span lang="HI">है।</span></span><span lang="HI"><o:p></o:p></span></span></pre><pre><span class="y2iqfc"><span lang="HI"><pre style="color: #202124;"><span style="font-family: georgia; font-size: large;"><b><span class="y2iqfc"><u><span lang="HI">पोर्टफोलियो</span></u></span><span class="y2iqfc"><u><span lang="HI"> </span></u></span><span class="y2iqfc"><u><span lang="HI">प्रबंधन</span></u></span><span class="y2iqfc"><u><span lang="HI"> </span></u></span><span class="y2iqfc"><u><span lang="HI">सेवाएं</span></u></span><span class="y2iqfc"><u><o:p></o:p></u></span></b></span></pre><pre><span class="y2iqfc"><pre style="color: #202124;"><span style="font-size: medium;"><span style="font-family: georgia;"><span class="y2iqfc"><span lang="HI">पीएमएस</span></span><span class="y2iqfc"><span lang="HI"> </span></span><span class="y2iqfc"><span lang="HI">एक</span></span><span class="y2iqfc"><span lang="HI"> </span></span><span class="y2iqfc"><span lang="HI">वित्तीय</span></span><span class="y2iqfc"><span lang="HI"> </span></span><span class="y2iqfc"><span lang="HI">सेवा</span></span><span class="y2iqfc"><span lang="HI"> </span></span><span class="y2iqfc"><span lang="HI">है</span></span><span class="y2iqfc"><span lang="HI"> </span></span><span class="y2iqfc"><span lang="HI">जो</span></span><span class="y2iqfc"><span lang="HI"> </span></span><span class="y2iqfc"><span lang="HI">पोर्टफोलियो</span></span><span class="y2iqfc"><span lang="HI"> </span></span><span class="y2iqfc"><span lang="HI">मैनेजर</span></span><span class="y2iqfc"><span lang="HI"> </span></span><span class="y2iqfc"><span lang="HI">द्वारा</span></span><span class="y2iqfc"><span lang="HI"> </span></span><span class="y2iqfc"><span lang="HI">जोखिम</span></span><span class="y2iqfc"><span lang="HI"> </span></span><span class="y2iqfc"><span lang="HI">के</span></span><span class="y2iqfc"><span lang="HI"> </span></span><span class="y2iqfc"><span lang="HI">वांछित </span></span></span><span lang="HI">स्तर</span><span class="y2iqfc" style="font-family: georgia;"><span lang="HI"> </span></span><span class="y2iqfc" style="font-family: georgia;"><span lang="HI">को</span></span><span class="y2iqfc" style="font-family: georgia;"><span lang="HI"> </span></span><span class="y2iqfc" style="font-family: georgia;"><span lang="HI">बनाए</span></span><span class="y2iqfc" style="font-family: georgia;"><span lang="HI"> </span></span><span class="y2iqfc" style="font-family: georgia;"><span lang="HI">रखते</span></span><span class="y2iqfc" style="font-family: georgia;"><span lang="HI"> </span></span><span class="y2iqfc" style="font-family: georgia;"><span lang="HI">हुए</span></span><span class="y2iqfc" style="font-family: georgia;"><span lang="HI"> </span></span><span class="y2iqfc" style="font-family: georgia;"><span lang="HI">रिटर्न</span></span><span class="y2iqfc" style="font-family: georgia;"><span lang="HI"> </span></span><span class="y2iqfc" style="font-family: georgia;"><span lang="HI">की</span></span><span class="y2iqfc" style="font-family: georgia;"><span lang="HI"> </span></span><span class="y2iqfc" style="font-family: georgia;"><span lang="HI">आवश्यक</span></span><span class="y2iqfc" style="font-family: georgia;"><span lang="HI"> </span></span><span class="y2iqfc" style="font-family: georgia;"><span lang="HI">दर</span></span><span class="y2iqfc" style="font-family: georgia;"><span lang="HI"> </span></span><span class="y2iqfc" style="font-family: georgia;"><span lang="HI">प्राप्त</span></span><span class="y2iqfc" style="font-family: georgia;"><span lang="HI"> </span></span><span class="y2iqfc" style="font-family: georgia;"><span lang="HI">करने</span></span><span class="y2iqfc" style="font-family: georgia;"><span lang="HI"> </span></span><span class="y2iqfc" style="font-family: georgia;"><span lang="HI">के</span></span><span class="y2iqfc" style="font-family: georgia;"><span lang="HI"> </span></span><span class="y2iqfc" style="font-family: georgia;"><span lang="HI">लिए</span></span><span class="y2iqfc" style="font-family: georgia;"><span lang="HI"> </span></span><span class="y2iqfc" style="font-family: georgia;"><span lang="HI">प्रदान</span></span><span class="y2iqfc" style="font-family: georgia;"><span lang="HI"> </span></span></span></pre><pre style="color: #202124;"><span style="font-size: medium;"><span class="y2iqfc" style="font-family: georgia;"><span lang="HI">की </span></span><span lang="HI">जाती</span><span class="y2iqfc" style="font-family: georgia;"><span lang="HI"> </span></span><span class="y2iqfc" style="font-family: georgia;"><span lang="HI">है।</span></span><span class="y2iqfc" style="font-family: georgia;"><span lang="HI"> </span></span><span class="y2iqfc" style="font-family: georgia;"><span lang="HI">एक</span></span><span class="y2iqfc" style="font-family: georgia;"><span lang="HI"> </span></span><span class="y2iqfc" style="font-family: georgia;"><span lang="HI">पोर्टफोलियो</span></span><span class="y2iqfc" style="font-family: georgia;"><span lang="HI"> </span></span><span class="y2iqfc" style="font-family: georgia;"><span lang="HI">मैनेजर</span></span><span class="y2iqfc" style="font-family: georgia;"><span lang="HI"> </span></span><span class="y2iqfc" style="font-family: georgia;"><span lang="HI">एक</span></span><span class="y2iqfc" style="font-family: georgia;"><span lang="HI"> </span></span><span class="y2iqfc" style="font-family: georgia;"><span lang="HI">योग्य</span></span><span class="y2iqfc" style="font-family: georgia;"><span lang="HI"> </span></span><span class="y2iqfc" style="font-family: georgia;"><span lang="HI">निवेश</span></span><span class="y2iqfc" style="font-family: georgia;"><span lang="HI"> </span></span><span class="y2iqfc" style="font-family: georgia;"><span lang="HI">पेशेवर</span></span><span class="y2iqfc" style="font-family: georgia;"><span lang="HI"> </span></span><span class="y2iqfc" style="font-family: georgia;"><span lang="HI">है</span></span><span class="y2iqfc" style="font-family: georgia;"><span lang="HI"> </span></span><span class="y2iqfc" style="font-family: georgia;"><span lang="HI">जो</span></span><span class="y2iqfc" style="font-family: georgia;"><span lang="HI"> </span></span><span class="y2iqfc" style="font-family: georgia;"><span lang="HI">बाजार</span></span><span class="y2iqfc" style="font-family: georgia;"><span lang="HI"> </span></span><span class="y2iqfc" style="font-family: georgia;"><span lang="HI">के</span></span><span class="y2iqfc" style="font-family: georgia;"><span lang="HI"> </span></span><span lang="HI">विभिन्न</span><span class="y2iqfc" style="font-family: georgia;"><span lang="HI"> </span></span><span class="y2iqfc" style="font-family: georgia;"><span lang="HI">उपकरणों</span></span><span class="y2iqfc" style="font-family: georgia;"><span lang="HI"> </span></span><span class="y2iqfc" style="font-family: georgia;"><span lang="HI">के</span></span><span class="y2iqfc" style="font-family: georgia;"><span lang="HI"> </span></span><span class="y2iqfc" style="font-family: georgia;"><span lang="HI">व्यापक</span></span><span class="y2iqfc" style="font-family: georgia;"><span lang="HI"> </span></span><span class="y2iqfc" style="font-family: georgia;"><span lang="HI">ज्ञान</span></span><span class="y2iqfc" style="font-family: georgia;"><span lang="HI"> </span></span><span class="y2iqfc" style="font-family: georgia;"><span lang="HI">के</span></span><span class="y2iqfc" style="font-family: georgia;"><span lang="HI"> </span></span><span class="y2iqfc" style="font-family: georgia;"><span lang="HI">साथ</span></span><span class="y2iqfc" style="font-family: georgia;"><span lang="HI"> </span></span><span class="y2iqfc" style="font-family: georgia;"><span lang="HI">निवेशक</span></span><span class="y2iqfc" style="font-family: georgia;"><span lang="HI"> </span></span><span class="y2iqfc" style="font-family: georgia;"><span lang="HI">के</span></span><span class="y2iqfc" style="font-family: georgia;"><span lang="HI"> </span></span><span class="y2iqfc" style="font-family: georgia;"><span lang="HI">निवेश</span></span><span class="y2iqfc" style="font-family: georgia;"><span lang="HI"> </span></span><span class="y2iqfc" style="font-family: georgia;"><span lang="HI">लक्ष्यों</span></span><span class="y2iqfc" style="font-family: georgia;"><span lang="HI"> </span></span><span class="y2iqfc" style="font-family: georgia;"><span lang="HI">का</span></span></span></pre><pre style="color: #202124;"><span style="font-size: medium;"><span style="font-family: georgia;"><span class="y2iqfc"><span lang="HI"></span></span><span class="y2iqfc"><span lang="HI">विश्लेषण</span></span><span class="y2iqfc"><span lang="HI"> </span></span><span class="y2iqfc"><span lang="HI">करने</span></span><span class="y2iqfc"><span lang="HI"> </span></span><span class="y2iqfc"><span lang="HI">पर</span></span><span class="y2iqfc"><span lang="HI"> </span></span><span class="y2iqfc"><span lang="HI">ध्यान</span></span><span class="y2iqfc"><span lang="HI"> </span></span><span class="y2iqfc"><span lang="HI">केंद्रित</span></span><span class="y2iqfc"><span lang="HI"> </span></span><span class="y2iqfc"><span lang="HI">करता</span></span><span class="y2iqfc"><span lang="HI"> </span></span><span class="y2iqfc"><span lang="HI">है।</span></span><span class="y2iqfc"><span lang="HI"> </span></span><span class="y2iqfc"><span lang="HI">स्टॉक</span></span><span class="y2iqfc">, </span><span class="y2iqfc"><span lang="HI">निश्चित</span></span><span class="y2iqfc"><span lang="HI"> </span></span><span class="y2iqfc"><span lang="HI">आय</span></span><span class="y2iqfc">, </span><span class="y2iqfc"><span lang="HI">वस्तुएं</span></span><span class="y2iqfc">,</span></span><span lang="HI">अचल</span><span class="y2iqfc" style="font-family: georgia;"><span lang="HI"> </span></span><span class="y2iqfc" style="font-family: georgia;"><span lang="HI">संपत्ति</span></span><span class="y2iqfc" style="font-family: georgia;">,</span><span class="y2iqfc" style="font-family: georgia;"><span lang="HI">अन्य</span></span><span class="y2iqfc" style="font-family: georgia;"><span lang="HI"> </span></span><span class="y2iqfc" style="font-family: georgia;"><span lang="HI">संरचित</span></span><span class="y2iqfc" style="font-family: georgia;"><span lang="HI"> </span></span><span class="y2iqfc" style="font-family: georgia;"><span lang="HI">उत्पाद</span></span><span class="y2iqfc" style="font-family: georgia;">, </span><span class="y2iqfc" style="font-family: georgia;"><span lang="HI">और</span></span><span class="y2iqfc" style="font-family: georgia;"><span lang="HI"> </span></span><span class="y2iqfc" style="font-family: georgia;"><span lang="HI">नकदी</span></span><span class="y2iqfc" style="font-family: georgia;"><span lang="HI"> </span></span><span class="y2iqfc" style="font-family: georgia;"><span lang="HI">सभी</span></span><span class="y2iqfc" style="font-family: georgia;"><span lang="HI"> </span></span><span class="y2iqfc" style="font-family: georgia;"><span lang="HI">को</span></span><span class="y2iqfc" style="font-family: georgia;"><span lang="HI"> </span></span><span class="y2iqfc" style="font-family: georgia;"><span lang="HI">एक</span></span><span class="y2iqfc" style="font-family: georgia;"><span lang="HI"> </span></span><span class="y2iqfc" style="font-family: georgia;"><span lang="HI">निवेश</span></span><span class="y2iqfc" style="font-family: georgia;"><span lang="HI"> </span></span></span></pre><pre style="color: #202124;"><span style="font-size: medium;"><span style="font-family: georgia;"><span class="y2iqfc"><span lang="HI">पोर्टफोलियो</span></span><span class="y2iqfc"><span lang="HI"> </span></span><span class="y2iqfc"><span lang="HI">में</span></span><span class="y2iqfc"><span lang="HI"> </span></span><span class="y2iqfc"><span lang="HI">शामिल</span></span><span class="y2iqfc"><span lang="HI"> </span></span><span class="y2iqfc"><span lang="HI">किया</span></span><span class="y2iqfc"><span lang="HI"> </span></span><span class="y2iqfc"><span lang="HI">जा</span></span><span class="y2iqfc"><span lang="HI"> </span></span><span class="y2iqfc"><span lang="HI">सकता</span></span><span class="y2iqfc"><span lang="HI"> </span></span><span class="y2iqfc"><span lang="HI">है।</span></span></span><span lang="HI">पीएमएस</span><span class="y2iqfc" style="font-family: georgia;"><span lang="HI"> </span></span><span class="y2iqfc" style="font-family: georgia;"><span lang="HI">एक</span></span><span class="y2iqfc" style="font-family: georgia;"><span lang="HI"> </span></span><span class="y2iqfc" style="font-family: georgia;"><span lang="HI">अनुकूलित</span></span><span class="y2iqfc" style="font-family: georgia;"><span lang="HI"> </span></span><span class="y2iqfc" style="font-family: georgia;"><span lang="HI">सेवा</span></span><span class="y2iqfc" style="font-family: georgia;"><span lang="HI"> </span></span><span class="y2iqfc" style="font-family: georgia;"><span lang="HI">है</span></span><span class="y2iqfc" style="font-family: georgia;"><span lang="HI"> </span></span><span class="y2iqfc" style="font-family: georgia;"><span lang="HI">जो</span></span><span class="y2iqfc" style="font-family: georgia;"><span lang="HI"> </span></span><span class="y2iqfc" style="font-family: georgia;"><span lang="HI">निवेशक</span></span><span class="y2iqfc" style="font-family: georgia;"><span lang="HI"> </span></span><span class="y2iqfc" style="font-family: georgia;"><span lang="HI">की</span></span><span class="y2iqfc" style="font-family: georgia;"><span lang="HI"> </span></span><span class="y2iqfc" style="font-family: georgia;"><span lang="HI">रिटर्न</span></span><span class="y2iqfc" style="font-family: georgia;"><span lang="HI"> </span></span><span class="y2iqfc" style="font-family: georgia;"><span lang="HI">आवश्यकताओं</span></span><span class="y2iqfc" style="font-family: georgia;"><span lang="HI"> </span></span><span lang="HI">और</span><span class="y2iqfc" style="font-family: georgia;"><span lang="HI"> </span></span><span class="y2iqfc" style="font-family: georgia;"><span lang="HI">जोखिम</span></span><span class="y2iqfc" style="font-family: georgia;"><span lang="HI"> </span></span><span class="y2iqfc" style="font-family: georgia;"><span lang="HI">उठाने</span></span><span class="y2iqfc" style="font-family: georgia;"><span lang="HI"> </span></span><span class="y2iqfc" style="font-family: georgia;"><span lang="HI">की</span></span></span></pre><pre style="color: #202124;"><span style="font-size: medium;"><span class="y2iqfc" style="font-family: georgia;"><span lang="HI">क्षमता</span></span><span class="y2iqfc" style="font-family: georgia;"><span lang="HI"> </span></span><span class="y2iqfc" style="font-family: georgia;"><span lang="HI">और</span></span><span class="y2iqfc" style="font-family: georgia;"><span lang="HI"> </span></span><span class="y2iqfc" style="font-family: georgia;"><span lang="HI">इच्छा</span></span><span class="y2iqfc" style="font-family: georgia;"><span lang="HI"> </span></span><span class="y2iqfc" style="font-family: georgia;"><span lang="HI">के</span></span><span class="y2iqfc" style="font-family: georgia;"><span lang="HI"> </span></span><span class="y2iqfc" style="font-family: georgia;"><span lang="HI">अनुसार</span></span><span class="y2iqfc" style="font-family: georgia;"><span lang="HI"> </span></span><span class="y2iqfc" style="font-family: georgia;"><span lang="HI">दी</span></span><span class="y2iqfc" style="font-family: georgia;"><span lang="HI"> </span></span><span class="y2iqfc" style="font-family: georgia;"><span lang="HI">जाती</span></span><span class="y2iqfc" style="font-family: georgia;"><span lang="HI"> </span></span><span class="y2iqfc" style="font-family: georgia;"><span lang="HI">है।</span></span><span class="y2iqfc" style="font-family: georgia;"><span lang="HI"> </span></span><span lang="HI">पीएमएस</span><span class="y2iqfc" style="font-family: georgia;"><span lang="HI"> </span></span><span class="y2iqfc" style="font-family: georgia;"><span lang="HI">ग्राहक</span></span><span class="y2iqfc" style="font-family: georgia;"><span lang="HI"> </span></span><span class="y2iqfc" style="font-family: georgia;"><span lang="HI">की</span></span><span class="y2iqfc" style="font-family: georgia;"><span lang="HI"> </span></span><span class="y2iqfc" style="font-family: georgia;"><span lang="HI">वित्तीय</span></span><span class="y2iqfc" style="font-family: georgia;"><span lang="HI"> </span></span><span class="y2iqfc" style="font-family: georgia;"><span lang="HI">स्थिति</span></span><span class="y2iqfc" style="font-family: georgia;"><span lang="HI"> </span></span><span class="y2iqfc" style="font-family: georgia;"><span lang="HI">और</span></span><span class="y2iqfc" style="font-family: georgia;"><span lang="HI"> </span></span><span class="y2iqfc" style="font-family: georgia;"><span lang="HI">जरूरतों</span></span><span class="y2iqfc" style="font-family: georgia;"><span lang="HI"> </span></span><span class="y2iqfc" style="font-family: georgia;"><span lang="HI">को</span></span><span class="y2iqfc" style="font-family: georgia;"><span lang="HI"> </span></span><span class="y2iqfc" style="font-family: georgia;"><span lang="HI">समझने</span></span><span class="y2iqfc" style="font-family: georgia;"><span lang="HI"> </span></span><span class="y2iqfc" style="font-family: georgia;"><span lang="HI">के</span></span><span class="y2iqfc" style="font-family: georgia;"><span lang="HI"> </span></span><span lang="HI">लिए</span><span class="y2iqfc" style="font-family: georgia;"><span lang="HI"> </span></span><span class="y2iqfc" style="font-family: georgia;"><span lang="HI">एक</span></span><span class="y2iqfc" style="font-family: georgia;"><span lang="HI"> </span></span><span class="y2iqfc" style="font-family: georgia;"><span lang="HI">निवेश</span></span><span class="y2iqfc" style="font-family: georgia;"><span lang="HI"> </span></span><span class="y2iqfc" style="font-family: georgia;"><span lang="HI">नीति</span></span><span class="y2iqfc" style="font-family: georgia;"><span lang="HI"> </span></span><span class="y2iqfc" style="font-family: georgia;"><span lang="HI">विवरण</span></span></span></pre><pre style="color: #202124;"><span style="font-size: medium;"><span class="y2iqfc" style="font-family: georgia;"><span lang="HI">(</span></span><span class="y2iqfc" style="font-family: georgia;"><span lang="HI">आईपीएस</span></span><span class="y2iqfc" style="font-family: georgia;"><span lang="HI">) </span></span><span class="y2iqfc" style="font-family: georgia;"><span lang="HI">तैयार</span></span><span class="y2iqfc" style="font-family: georgia;"><span lang="HI"> </span></span><span class="y2iqfc" style="font-family: georgia;"><span lang="HI">करता</span></span><span class="y2iqfc" style="font-family: georgia;"><span lang="HI"> </span></span><span class="y2iqfc" style="font-family: georgia;"><span lang="HI">है।</span></span><span class="y2iqfc" style="font-family: georgia;"><span lang="HI"> </span></span><span lang="HI">पोर्टफोलियो</span><span class="y2iqfc" style="font-family: georgia;"><span lang="HI"> </span></span><span class="y2iqfc" style="font-family: georgia;"><span lang="HI">मैनेजर</span></span><span class="y2iqfc" style="font-family: georgia;"><span lang="HI"> </span></span><span class="y2iqfc" style="font-family: georgia;"><span lang="HI">यह</span></span><span class="y2iqfc" style="font-family: georgia;"><span lang="HI"> </span></span><span class="y2iqfc" style="font-family: georgia;"><span lang="HI">सुनिश्चित</span></span><span class="y2iqfc" style="font-family: georgia;"><span lang="HI"> </span></span><span class="y2iqfc" style="font-family: georgia;"><span lang="HI">करता</span></span><span class="y2iqfc" style="font-family: georgia;"><span lang="HI"> </span></span><span class="y2iqfc" style="font-family: georgia;"><span lang="HI">है</span></span><span class="y2iqfc" style="font-family: georgia;"><span lang="HI"> </span></span><span class="y2iqfc" style="font-family: georgia;"><span lang="HI">कि</span></span><span class="y2iqfc" style="font-family: georgia;"><span lang="HI"> </span></span><span class="y2iqfc" style="font-family: georgia;"><span lang="HI">रिटर्न</span></span><span class="y2iqfc" style="font-family: georgia;"><span lang="HI"> </span></span><span class="y2iqfc" style="font-family: georgia;"><span lang="HI">की</span></span><span lang="HI">जरूरतें</span><span class="y2iqfc" style="font-family: georgia;"><span lang="HI"> </span></span><span class="y2iqfc" style="font-family: georgia;"><span lang="HI">रिस्क</span></span><span class="y2iqfc" style="font-family: georgia;"><span lang="HI"> </span></span><span class="y2iqfc" style="font-family: georgia;"><span lang="HI">प्रोफाइल</span></span><span class="y2iqfc" style="font-family: georgia;"><span lang="HI"> </span></span><span class="y2iqfc" style="font-family: georgia;"><span lang="HI">के</span></span><span class="y2iqfc" style="font-family: georgia;"><span lang="HI"> </span></span><span class="y2iqfc" style="font-family: georgia;"><span lang="HI">साथ</span></span><span class="y2iqfc" style="font-family: georgia;"><span lang="HI"> </span></span><span class="y2iqfc" style="font-family: georgia;"><span lang="HI">मेल</span></span><span class="y2iqfc" style="font-family: georgia;"><span lang="HI"> </span></span><span class="y2iqfc" style="font-family: georgia;"><span lang="HI">खाती</span></span><span class="y2iqfc" style="font-family: georgia;"><span lang="HI"> </span></span><span class="y2iqfc" style="font-family: georgia;"><span lang="HI">हों</span><span lang="HI">|</span></span></span></pre><pre><span class="y2iqfc"><span lang="HI"><pre style="color: #202124;"><span style="font-size: medium;"><span style="font-family: georgia;"><span class="y2iqfc"><span lang="HI">पीएमएस</span></span><span class="y2iqfc"><span lang="HI"> </span></span><span class="y2iqfc"><span lang="HI">ग्राहक</span></span><span class="y2iqfc"><span lang="HI"> </span></span><span class="y2iqfc"><span lang="HI">की</span></span><span class="y2iqfc"><span lang="HI"> </span></span><span class="y2iqfc"><span lang="HI">वित्तीय</span></span><span class="y2iqfc"><span lang="HI"> </span></span><span class="y2iqfc"><span lang="HI">स्थिति</span></span><span class="y2iqfc"><span lang="HI"> </span></span><span class="y2iqfc"><span lang="HI">और</span></span><span class="y2iqfc"><span lang="HI"> </span></span><span class="y2iqfc"><span lang="HI">जरूरतों</span></span><span class="y2iqfc"><span lang="HI"> </span></span><span class="y2iqfc"><span lang="HI">को</span></span><span class="y2iqfc"><span lang="HI"> </span></span><span class="y2iqfc"><span lang="HI">समझने </span></span></span><span lang="HI">के</span><span class="y2iqfc" style="font-family: georgia;"><span lang="HI"> </span></span><span class="y2iqfc" style="font-family: georgia;"><span lang="HI">लिए</span></span><span class="y2iqfc" style="font-family: georgia;"><span lang="HI"> </span></span><span class="y2iqfc" style="font-family: georgia;"><span lang="HI">एक</span></span><span class="y2iqfc" style="font-family: georgia;"><span lang="HI"> </span></span><span class="y2iqfc" style="font-family: georgia;"><span lang="HI">निवेश</span></span><span class="y2iqfc" style="font-family: georgia;"><span lang="HI"> </span></span><span class="y2iqfc" style="font-family: georgia;"><span lang="HI">नीति</span></span><span class="y2iqfc" style="font-family: georgia;"><span lang="HI"> </span></span><span class="y2iqfc" style="font-family: georgia;"><span lang="HI">विवरण</span></span><span class="y2iqfc" style="font-family: georgia;"><span lang="HI"> (</span></span><span class="y2iqfc" style="font-family: georgia;"><span lang="HI">आईपीएस</span></span><span class="y2iqfc" style="font-family: georgia;"><span lang="HI">) </span></span><span class="y2iqfc" style="font-family: georgia;"><span lang="HI">तैयार</span></span><span class="y2iqfc" style="font-family: georgia;"><span lang="HI"> </span></span><span class="y2iqfc" style="font-family: georgia;"><span lang="HI">करता</span></span><span class="y2iqfc" style="font-family: georgia;"><span lang="HI"> </span></span><span class="y2iqfc" style="font-family: georgia;"><span lang="HI">है।</span></span><span lang="HI">पोर्टफोलियो</span><span class="y2iqfc" style="font-family: georgia;"><span lang="HI"> </span></span><span class="y2iqfc" style="font-family: georgia;"><span lang="HI">मैनेजर</span></span><span class="y2iqfc" style="font-family: georgia;"><span lang="HI"> </span></span></span></pre><pre style="color: #202124;"><span style="font-size: medium;"><span class="y2iqfc" style="font-family: georgia;"><span lang="HI">यह</span></span><span class="y2iqfc" style="font-family: georgia;"><span lang="HI"> </span></span><span class="y2iqfc" style="font-family: georgia;"><span lang="HI">सुनिश्चित</span></span><span class="y2iqfc" style="font-family: georgia;"><span lang="HI"> </span></span><span class="y2iqfc" style="font-family: georgia;"><span lang="HI">करता</span></span><span class="y2iqfc" style="font-family: georgia;"><span lang="HI"> </span></span><span class="y2iqfc" style="font-family: georgia;"><span lang="HI">है</span></span><span class="y2iqfc" style="font-family: georgia;"><span lang="HI"> </span></span><span class="y2iqfc" style="font-family: georgia;"><span lang="HI">कि</span></span><span class="y2iqfc" style="font-family: georgia;"><span lang="HI"> </span></span><span class="y2iqfc" style="font-family: georgia;"><span lang="HI">रिटर्न</span></span><span class="y2iqfc" style="font-family: georgia;"><span lang="HI"> </span></span><span class="y2iqfc" style="font-family: georgia;"><span lang="HI">की</span></span><span class="y2iqfc" style="font-family: georgia;"><span lang="HI"> </span></span><span class="y2iqfc" style="font-family: georgia;"><span lang="HI">जरूरतें</span></span><span lang="HI">रिस्क</span><span class="y2iqfc" style="font-family: georgia;"><span lang="HI"> </span></span><span class="y2iqfc" style="font-family: georgia;"><span lang="HI">प्रोफाइल</span></span><span class="y2iqfc" style="font-family: georgia;"><span lang="HI"> </span></span><span class="y2iqfc" style="font-family: georgia;"><span lang="HI">के</span></span><span class="y2iqfc" style="font-family: georgia;"><span lang="HI"> </span></span><span class="y2iqfc" style="font-family: georgia;"><span lang="HI">साथ</span></span><span class="y2iqfc" style="font-family: georgia;"><span lang="HI"> </span></span><span class="y2iqfc" style="font-family: georgia;"><span lang="HI">मेल</span></span><span class="y2iqfc" style="font-family: georgia;"><span lang="HI"> </span></span><span class="y2iqfc" style="font-family: georgia;"><span lang="HI">खाती</span></span><span class="y2iqfc" style="font-family: georgia;"><span lang="HI"> </span></span><span class="y2iqfc" style="font-family: georgia;"><span lang="HI">हों।</span></span><span lang="HI">अब</span><span class="y2iqfc" style="font-family: georgia;"><span lang="HI"> </span></span><span class="y2iqfc" style="font-family: georgia;"><span lang="HI">जब</span></span><span class="y2iqfc" style="font-family: georgia;"><span lang="HI"> </span></span><span class="y2iqfc" style="font-family: georgia;"><span lang="HI">हम</span></span><span class="y2iqfc" style="font-family: georgia;"><span lang="HI"> </span></span><span class="y2iqfc" style="font-family: georgia;"><span lang="HI">म्युचुअल</span></span><span class="y2iqfc" style="font-family: georgia;"><span lang="HI"> </span></span><span class="y2iqfc" style="font-family: georgia;"><span lang="HI">फंड</span></span><span class="y2iqfc" style="font-family: georgia;"><span lang="HI"> </span></span><span class="y2iqfc" style="font-family: georgia;"><span lang="HI">और</span></span><span class="y2iqfc" style="font-family: georgia;"><span lang="HI"> </span></span><span class="y2iqfc" style="font-family: georgia;"><span lang="HI">पोर्टफोलियो</span></span><span class="y2iqfc" style="font-family: georgia;"><span lang="HI"> </span></span><span class="y2iqfc" style="font-family: georgia;"><span lang="HI">प्रबंधन</span></span><span class="y2iqfc" style="font-family: georgia;"><span lang="HI"> </span></span><span class="y2iqfc" style="font-family: georgia;"><span lang="HI">सेवाओं</span></span><span class="y2iqfc" style="font-family: georgia;"><span lang="HI"> </span></span><span class="y2iqfc" style="font-family: georgia;"><span lang="HI">के</span></span><span class="y2iqfc" style="font-family: georgia;"><span lang="HI"> </span></span></span></pre><pre style="color: #202124;"><span style="font-size: medium;"><span style="font-family: georgia;"><span class="y2iqfc"><span lang="HI">बारे</span></span><span class="y2iqfc"><span lang="HI"> </span></span><span class="y2iqfc"><span lang="HI">में</span></span><span class="y2iqfc"><span lang="HI"> </span></span><span class="y2iqfc"><span lang="HI">सब</span></span><span class="y2iqfc"><span lang="HI"> </span></span><span class="y2iqfc"><span lang="HI">कुछ</span></span><span class="y2iqfc"><span lang="HI"> </span></span><span class="y2iqfc"><span lang="HI">जान</span></span><span class="y2iqfc"><span lang="HI"> </span></span><span class="y2iqfc"><span lang="HI">गए</span></span><span class="y2iqfc"><span lang="HI"> </span></span><span class="y2iqfc"><span lang="HI">हैं</span></span><span class="y2iqfc">, </span><span class="y2iqfc"><span lang="HI">तो</span></span><span class="y2iqfc"><span lang="HI"> </span></span><span class="y2iqfc"><span lang="HI">ऐसे</span></span><span class="y2iqfc"><span lang="HI"> </span></span><span class="y2iqfc"><span lang="HI">कुछ</span></span><span class="y2iqfc"><span lang="HI"> </span></span><span class="y2iqfc"><span lang="HI">तरीके</span></span><span class="y2iqfc"><span lang="HI"> </span></span><span class="y2iqfc"><span lang="HI">हैं</span></span><span class="y2iqfc"><span lang="HI"> </span></span><span class="y2iqfc"><span lang="HI">जिनसे</span></span><span class="y2iqfc"><span lang="HI"> </span></span><span class="y2iqfc"><span lang="HI">आप</span></span></span><span lang="HI">यह</span><span class="y2iqfc" style="font-family: georgia;"><span lang="HI"> </span></span><span class="y2iqfc" style="font-family: georgia;"><span lang="HI">तय</span></span><span class="y2iqfc" style="font-family: georgia;"><span lang="HI"> </span></span><span class="y2iqfc" style="font-family: georgia;"><span lang="HI">कर</span></span><span class="y2iqfc" style="font-family: georgia;"><span lang="HI"> </span></span><span class="y2iqfc" style="font-family: georgia;"><span lang="HI">सकते</span></span><span class="y2iqfc" style="font-family: georgia;"><span lang="HI"> </span></span><span class="y2iqfc" style="font-family: georgia;"><span lang="HI">हैं</span></span><span class="y2iqfc" style="font-family: georgia;"><span lang="HI"> </span></span><span class="y2iqfc" style="font-family: georgia;"><span lang="HI">कि</span></span><span class="y2iqfc" style="font-family: georgia;"><span lang="HI"> </span></span><span class="y2iqfc" style="font-family: georgia;"><span lang="HI">किस</span></span><span class="y2iqfc" style="font-family: georgia;"><span lang="HI"> </span></span><span class="y2iqfc" style="font-family: georgia;"><span lang="HI">प्रकार</span></span><span class="y2iqfc" style="font-family: georgia;"><span lang="HI"> </span></span><span class="y2iqfc" style="font-family: georgia;"><span lang="HI">का</span></span><span class="y2iqfc" style="font-family: georgia;"><span lang="HI"> </span></span><span class="y2iqfc" style="font-family: georgia;"><span lang="HI">निवेश</span></span><span class="y2iqfc" style="font-family: georgia;"><span lang="HI"> </span></span><span class="y2iqfc" style="font-family: georgia;"><span lang="HI">मार्ग</span></span><span class="y2iqfc" style="font-family: georgia;"><span lang="HI"> </span></span><span class="y2iqfc" style="font-family: georgia;"><span lang="HI">आपको</span></span><span class="y2iqfc" style="font-family: georgia;"><span lang="HI"> </span></span></span></pre><pre style="color: #202124;"><span style="font-family: georgia; font-size: medium;"><span class="y2iqfc"><span lang="HI">सबसे</span></span><span class="y2iqfc"><span lang="HI"> </span></span><span class="y2iqfc"><span lang="HI">अच्छा</span></span><span class="y2iqfc"><span lang="HI"> </span></span><span class="y2iqfc"><span lang="HI">लगता</span></span><span class="y2iqfc"><span lang="HI"> </span></span><span class="y2iqfc"><span lang="HI">है।</span></span><o:p></o:p></span></pre><pre><pre style="background: rgb(248, 249, 250); color: #202124;"><span style="font-size: medium;"><span style="font-family: georgia;"><span class="y2iqfc"><span lang="HI">1. </span></span><span class="y2iqfc"><span lang="HI">म्युचुअल</span></span><span class="y2iqfc"><span lang="HI"> </span></span><span class="y2iqfc"><span lang="HI">फंड</span></span><span class="y2iqfc"><span lang="HI"> </span></span><span class="y2iqfc"><span lang="HI">अपने</span></span><span class="y2iqfc"><span lang="HI"> </span></span><span class="y2iqfc"><span lang="HI">अधिदेश</span></span><span class="y2iqfc"><span lang="HI"> </span></span><span class="y2iqfc"><span lang="HI">द्वारा</span></span><span class="y2iqfc"><span lang="HI"> </span></span><span class="y2iqfc"><span lang="HI">एक</span></span><span class="y2iqfc"><span lang="HI"> </span></span><span class="y2iqfc"><span lang="HI">कठोर</span></span><span class="y2iqfc"><span lang="HI"> </span></span><span class="y2iqfc"><span lang="HI">ढांचे</span></span><span class="y2iqfc"><span lang="HI"> </span></span><span class="y2iqfc"><span lang="HI">में</span></span><span class="y2iqfc"><span lang="HI"> </span></span><span class="y2iqfc"><span lang="HI">काम</span></span></span><span lang="HI">करते</span><span class="y2iqfc" style="font-family: georgia;"><span lang="HI"> </span></span><span class="y2iqfc" style="font-family: georgia;"><span lang="HI">हैं</span></span><span class="y2iqfc" style="font-family: georgia;"><span lang="HI"> </span></span><span class="y2iqfc" style="font-family: georgia;"><span lang="HI">और</span></span><span class="y2iqfc" style="font-family: georgia;"><span lang="HI"> </span></span><span class="y2iqfc" style="font-family: georgia;"><span lang="HI">योजना</span></span><span class="y2iqfc" style="font-family: georgia;"><span lang="HI"> </span></span><span class="y2iqfc" style="font-family: georgia;"><span lang="HI">के</span></span><span class="y2iqfc" style="font-family: georgia;"><span lang="HI"> </span></span><span class="y2iqfc" style="font-family: georgia;"><span lang="HI">निवेश</span></span><span class="y2iqfc" style="font-family: georgia;"><span lang="HI"> </span></span><span class="y2iqfc" style="font-family: georgia;"><span lang="HI">उद्देश्य</span></span><span class="y2iqfc" style="font-family: georgia;"><span lang="HI"> </span></span><span class="y2iqfc" style="font-family: georgia;"><span lang="HI">के</span></span><span class="y2iqfc" style="font-family: georgia;"><span lang="HI"> </span></span><span class="y2iqfc" style="font-family: georgia;"><span lang="HI">अनुसार</span></span><span class="y2iqfc" style="font-family: georgia;"><span lang="HI"> </span></span><span class="y2iqfc" style="font-family: georgia;"><span lang="HI">उपकरणों</span></span><span class="y2iqfc" style="font-family: georgia;"><span lang="HI"> </span></span><span class="y2iqfc" style="font-family: georgia;"><span lang="HI">में</span></span><span class="y2iqfc" style="font-family: georgia;"><span lang="HI"> </span></span><span lang="HI">निवेश</span><span class="y2iqfc" style="font-family: georgia;"><span lang="HI"> </span></span><span class="y2iqfc" style="font-family: georgia;"><span lang="HI">करते</span></span><span class="y2iqfc" style="font-family: georgia;"><span lang="HI"> </span></span><span class="y2iqfc" style="font-family: georgia;"><span lang="HI">हैं।</span></span><span class="y2iqfc" style="font-family: georgia;"><span lang="HI"> </span></span><span class="y2iqfc" style="font-family: georgia;"><span lang="HI">हालांकि</span></span><span class="y2iqfc" style="font-family: georgia;">, </span></span></pre><pre style="background: rgb(248, 249, 250); color: #202124;"><span style="font-size: medium;"><span class="y2iqfc" style="font-family: georgia;"><span lang="HI">पीएमएस</span></span><span class="y2iqfc" style="font-family: georgia;"><span lang="HI"> </span></span><span class="y2iqfc" style="font-family: georgia;"><span lang="HI">अपने</span></span><span class="y2iqfc" style="font-family: georgia;"><span lang="HI"> </span></span><span class="y2iqfc" style="font-family: georgia;"><span lang="HI">निवेशकों</span></span><span class="y2iqfc" style="font-family: georgia;"><span lang="HI"> </span></span><span class="y2iqfc" style="font-family: georgia;"><span lang="HI">को</span></span><span class="y2iqfc" style="font-family: georgia;"><span lang="HI"> </span></span><span class="y2iqfc" style="font-family: georgia;"><span lang="HI">अनुकूलन</span></span><span lang="HI">योग्य</span><span class="y2iqfc" style="font-family: georgia;"><span lang="HI"> </span></span><span class="y2iqfc" style="font-family: georgia;"><span lang="HI">व्यवस्था</span></span><span class="y2iqfc" style="font-family: georgia;"><span lang="HI"> </span></span><span class="y2iqfc" style="font-family: georgia;"><span lang="HI">प्रदान</span></span><span class="y2iqfc" style="font-family: georgia;"><span lang="HI"> </span></span><span class="y2iqfc" style="font-family: georgia;"><span lang="HI">करता</span></span><span class="y2iqfc" style="font-family: georgia;"><span lang="HI"> </span></span><span class="y2iqfc" style="font-family: georgia;"><span lang="HI">है</span></span><span class="y2iqfc" style="font-family: georgia;">, </span><span class="y2iqfc" style="font-family: georgia;"><span lang="HI">जहां</span></span><span class="y2iqfc" style="font-family: georgia;"><span lang="HI"> </span></span><span class="y2iqfc" style="font-family: georgia;"><span lang="HI">पोर्टफोलियो</span></span><span class="y2iqfc" style="font-family: georgia;"><span lang="HI"> </span></span><span class="y2iqfc" style="font-family: georgia;"><span lang="HI">का</span></span><span class="y2iqfc" style="font-family: georgia;"><span lang="HI"> </span></span><span class="y2iqfc" style="font-family: georgia;"><span lang="HI">निर्माण</span></span><span class="y2iqfc" style="font-family: georgia;"><span lang="HI"> </span></span><span class="y2iqfc" style="font-family: georgia;"><span lang="HI">मैक्रो </span></span><span lang="HI">स्तर</span><span class="y2iqfc" style="font-family: georgia;"><span lang="HI"> </span></span><span class="y2iqfc" style="font-family: georgia;"><span lang="HI">पर</span></span><span class="y2iqfc" style="font-family: georgia;"><span lang="HI"> </span></span><span class="y2iqfc" style="font-family: georgia;"><span lang="HI">किया</span></span><span class="y2iqfc" style="font-family: georgia;"><span lang="HI"> </span></span><span class="y2iqfc" style="font-family: georgia;"><span lang="HI">जाता</span></span><span class="y2iqfc" style="font-family: georgia;"><span lang="HI"> </span></span><span class="y2iqfc" style="font-family: georgia;"><span lang="HI">है।</span></span></span></pre><pre style="background: rgb(248, 249, 250);"><pre style="background-attachment: initial; background-clip: initial; background-image: initial; background-origin: initial; background-position: initial; background-repeat: initial; background-size: initial; color: #202124;"><span style="font-size: medium;"><span style="font-family: georgia;"><span class="y2iqfc"><span lang="HI">2. </span></span><span class="y2iqfc"><span lang="HI">पीएमएस</span></span><span class="y2iqfc"><span lang="HI"> </span></span><span class="y2iqfc"><span lang="HI">की</span></span><span class="y2iqfc"><span lang="HI"> </span></span><span class="y2iqfc"><span lang="HI">लागत</span></span><span class="y2iqfc"><span lang="HI"> </span></span><span class="y2iqfc"><span lang="HI">म्यूचुअल</span></span><span class="y2iqfc"><span lang="HI"> </span></span><span class="y2iqfc"><span lang="HI">फंड</span></span><span class="y2iqfc"><span lang="HI"> </span></span><span class="y2iqfc"><span lang="HI">की</span></span><span class="y2iqfc"><span lang="HI"> </span></span><span class="y2iqfc"><span lang="HI">तुलना</span></span><span class="y2iqfc"><span lang="HI"> </span></span><span class="y2iqfc"><span lang="HI">में</span></span><span class="y2iqfc"><span lang="HI"> </span></span><span class="y2iqfc"><span lang="HI">अधिक</span></span><span class="y2iqfc"><span lang="HI"> </span></span><span class="y2iqfc"><span lang="HI">होती</span></span><span class="y2iqfc"><span lang="HI"> </span></span><span class="y2iqfc"><span lang="HI">है।</span></span></span><span lang="HI">म्युचुअल</span><span class="y2iqfc" style="font-family: georgia;"><span lang="HI"> </span></span><span class="y2iqfc" style="font-family: georgia;"><span lang="HI">फंड</span></span><span class="y2iqfc" style="font-family: georgia;"><span lang="HI"> </span></span><span class="y2iqfc" style="font-family: georgia;"><span lang="HI">खुदरा</span></span><span class="y2iqfc" style="font-family: georgia;"><span lang="HI"> </span></span><span class="y2iqfc" style="font-family: georgia;"><span lang="HI">निवेशकों</span></span><span class="y2iqfc" style="font-family: georgia;"><span lang="HI"> </span></span><span class="y2iqfc" style="font-family: georgia;"><span lang="HI">के</span></span><span class="y2iqfc" style="font-family: georgia;"><span lang="HI"> </span></span><span class="y2iqfc" style="font-family: georgia;"><span lang="HI">लिए</span></span><span class="y2iqfc" style="font-family: georgia;"><span lang="HI"> </span></span><span class="y2iqfc" style="font-family: georgia;"><span lang="HI">अधिक</span></span><span class="y2iqfc" style="font-family: georgia;"><span lang="HI"> </span></span><span class="y2iqfc" style="font-family: georgia;"><span lang="HI">लागत</span></span><span class="y2iqfc" style="font-family: georgia;"><span lang="HI"> </span></span><span class="y2iqfc" style="font-family: georgia;"><span lang="HI">प्रभावी</span></span><span class="y2iqfc" style="font-family: georgia;"><span lang="HI"> </span></span><span class="y2iqfc" style="font-family: georgia;"><span lang="HI">और</span></span><span class="y2iqfc" style="font-family: georgia;"><span lang="HI"> </span></span><span lang="HI">अधिक</span><span class="y2iqfc" style="font-family: georgia;"><span lang="HI"> </span></span><span class="y2iqfc" style="font-family: georgia;"><span lang="HI">उपयुक्त</span></span><span class="y2iqfc" style="font-family: georgia;"><span lang="HI"> </span></span><span class="y2iqfc" style="font-family: georgia;"><span lang="HI">हैं।</span></span></span></pre><pre style="background-attachment: initial; background-clip: initial; background-image: initial; background-origin: initial; background-position: initial; background-repeat: initial; background-size: initial;"><pre style="background-attachment: initial; background-clip: initial; background-image: initial; background-origin: initial; background-position: initial; background-repeat: initial; background-size: initial; color: #202124;"><pre style="background-attachment: initial; background-clip: initial; background-image: initial; background-origin: initial; background-position: initial; background-repeat: initial; background-size: initial;"><span style="font-size: medium;"><span class="y2iqfc" style="font-family: georgia;"><span lang="HI">3. </span></span><span class="y2iqfc" style="font-family: georgia;"><span lang="HI">चूंकि</span></span><span class="y2iqfc" style="font-family: georgia;"><span lang="HI"> </span></span><span class="y2iqfc" style="font-family: georgia;"><span lang="HI">म्युचुअल</span></span><span class="y2iqfc" style="font-family: georgia;"><span lang="HI"> </span></span><span class="y2iqfc" style="font-family: georgia;"><span lang="HI">फंड</span></span><span class="y2iqfc" style="font-family: georgia;"><span lang="HI"> </span></span><span class="y2iqfc" style="font-family: georgia;"><span lang="HI">जमा</span></span><span class="y2iqfc" style="font-family: georgia;"><span lang="HI"> </span></span><span class="y2iqfc" style="font-family: georgia;"><span lang="HI">निवेश</span></span><span class="y2iqfc" style="font-family: georgia;"><span lang="HI"> </span></span><span class="y2iqfc" style="font-family: georgia;"><span lang="HI">होते</span></span><span class="y2iqfc" style="font-family: georgia;"><span lang="HI"> </span></span><span class="y2iqfc" style="font-family: georgia;"><span lang="HI">हैं</span></span><span class="y2iqfc" style="font-family: georgia;">, </span><span class="y2iqfc" style="font-family: georgia;"><span lang="HI">अन्य</span></span><span class="y2iqfc" style="font-family: georgia;"><span lang="HI"> </span></span><span class="y2iqfc" style="font-family: georgia;"><span lang="HI">निवेशकों</span></span><span class="y2iqfc" style="font-family: georgia;"><span lang="HI"> </span></span><span class="y2iqfc" style="font-family: georgia;"><span lang="HI">की</span></span><span class="y2iqfc" style="font-family: georgia;"><span lang="HI"> </span></span><span lang="HI">गतिविधियां</span><span class="y2iqfc" style="font-family: georgia;"><span lang="HI"> </span></span><span class="y2iqfc" style="font-family: georgia;"><span lang="HI">म्यूचुअल</span></span><span class="y2iqfc" style="font-family: georgia;"><span lang="HI"> </span></span><span class="y2iqfc" style="font-family: georgia;"><span lang="HI">फंड</span></span><span class="y2iqfc" style="font-family: georgia;"><span lang="HI"> </span></span><span class="y2iqfc" style="font-family: georgia;"><span lang="HI">के</span></span><span class="y2iqfc" style="font-family: georgia;"><span lang="HI"> </span></span><span class="y2iqfc" style="font-family: georgia;"><span lang="HI">प्रदर्शन</span></span><span class="y2iqfc" style="font-family: georgia;"><span lang="HI"> </span></span><span class="y2iqfc" style="font-family: georgia;"><span lang="HI">को</span></span><span class="y2iqfc" style="font-family: georgia;"><span lang="HI"> </span></span><span class="y2iqfc" style="font-family: georgia;"><span lang="HI">प्रभावित</span></span><span class="y2iqfc" style="font-family: georgia;"><span lang="HI"> </span></span><span class="y2iqfc" style="font-family: georgia;"><span lang="HI">कर</span></span><span class="y2iqfc" style="font-family: georgia;"><span lang="HI"> </span></span><span class="y2iqfc" style="font-family: georgia;"><span lang="HI">सकती</span></span><span class="y2iqfc" style="font-family: georgia;"><span lang="HI"> </span></span><span class="y2iqfc" style="font-family: georgia;"><span lang="HI">हैं।</span></span><span lang="HI">उदाहरण</span><span class="y2iqfc" style="font-family: georgia;"><span lang="HI"> </span></span><span class="y2iqfc" style="font-family: georgia;"><span lang="HI">के</span></span><span class="y2iqfc" style="font-family: georgia;"><span lang="HI"> </span></span><span class="y2iqfc" style="font-family: georgia;"><span lang="HI">लिए</span></span><span class="y2iqfc" style="font-family: georgia;">, </span><span class="y2iqfc" style="font-family: georgia;"><span lang="HI">मान</span></span><span class="y2iqfc" style="font-family: georgia;"><span lang="HI"> </span></span><span class="y2iqfc" style="font-family: georgia;"><span lang="HI">लीजिए</span></span><span class="y2iqfc" style="font-family: georgia;"><span lang="HI"> </span></span></span></pre><pre style="background-attachment: initial; background-clip: initial; background-image: initial; background-origin: initial; background-position: initial; background-repeat: initial; background-size: initial;"><span style="font-size: medium;"><span class="y2iqfc" style="font-family: georgia;"><span lang="HI">कि</span></span><span class="y2iqfc" style="font-family: georgia;"><span lang="HI"> </span></span><span class="y2iqfc" style="font-family: georgia;"><span lang="HI">कोई</span></span><span class="y2iqfc" style="font-family: georgia;"><span lang="HI"> </span></span><span class="y2iqfc" style="font-family: georgia;"><span lang="HI">निवेशक</span></span><span class="y2iqfc" style="font-family: georgia;"><span lang="HI"> </span></span><span class="y2iqfc" style="font-family: georgia;"><span lang="HI">अपनी</span></span><span class="y2iqfc" style="font-family: georgia;"><span lang="HI"> </span></span><span class="y2iqfc" style="font-family: georgia;"><span lang="HI">निवेशित </span></span><span lang="HI">राशि</span><span class="y2iqfc" style="font-family: georgia;"><span lang="HI"> </span></span><span class="y2iqfc" style="font-family: georgia;"><span lang="HI">का</span></span><span class="y2iqfc" style="font-family: georgia;"><span lang="HI"> </span></span><span class="y2iqfc" style="font-family: georgia;"><span lang="HI">एक</span></span><span class="y2iqfc" style="font-family: georgia;"><span lang="HI"> </span></span><span class="y2iqfc" style="font-family: georgia;"><span lang="HI">बड़ा</span></span><span class="y2iqfc" style="font-family: georgia;"><span lang="HI"> </span></span><span class="y2iqfc" style="font-family: georgia;"><span lang="HI">हिस्सा</span></span><span class="y2iqfc" style="font-family: georgia;"><span lang="HI"> </span></span><span class="y2iqfc" style="font-family: georgia;"><span lang="HI">फंड</span></span><span class="y2iqfc" style="font-family: georgia;"><span lang="HI"> </span></span><span class="y2iqfc" style="font-family: georgia;"><span lang="HI">से</span></span><span class="y2iqfc" style="font-family: georgia;"><span lang="HI"> </span></span><span class="y2iqfc" style="font-family: georgia;"><span lang="HI">निकाल</span></span><span class="y2iqfc" style="font-family: georgia;"><span lang="HI"> </span></span><span class="y2iqfc" style="font-family: georgia;"><span lang="HI">लेता</span></span><span class="y2iqfc" style="font-family: georgia;"><span lang="HI"> </span></span><span class="y2iqfc" style="font-family: georgia;"><span lang="HI">है।</span></span><span class="y2iqfc" style="font-family: georgia;"><span lang="HI"> </span></span><span class="y2iqfc" style="font-family: georgia;"><span lang="HI">उस</span></span><span class="y2iqfc" style="font-family: georgia;"><span lang="HI"> </span></span><span class="y2iqfc" style="font-family: georgia;"><span lang="HI">स्थिति</span></span><span class="y2iqfc" style="font-family: georgia;"><span lang="HI"> </span></span><span class="y2iqfc" style="font-family: georgia;"><span lang="HI">में</span></span><span class="y2iqfc" style="font-family: georgia;">,</span><span lang="HI">फंड</span><span class="y2iqfc" style="font-family: georgia;"><span lang="HI"> </span></span><span class="y2iqfc" style="font-family: georgia;"><span lang="HI">मैनेजर</span></span><span class="y2iqfc" style="font-family: georgia;"><span lang="HI"> </span></span><span class="y2iqfc" style="font-family: georgia;"><span lang="HI">को</span></span><span class="y2iqfc" style="font-family: georgia;"><span lang="HI"> </span></span><span class="y2iqfc" style="font-family: georgia;"><span lang="HI">तरलता</span></span><span class="y2iqfc" style="font-family: georgia;"><span lang="HI"> </span></span><span class="y2iqfc" style="font-family: georgia;"><span lang="HI">आवश्यकताओं</span></span><span class="y2iqfc" style="font-family: georgia;"><span lang="HI"> </span></span><span class="y2iqfc" style="font-family: georgia;"><span lang="HI">को</span></span><span class="y2iqfc" style="font-family: georgia;"><span lang="HI"> </span></span><span class="y2iqfc" style="font-family: georgia;"><span lang="HI">पूरा</span></span><span class="y2iqfc" style="font-family: georgia;"><span lang="HI"> </span></span><span class="y2iqfc" style="font-family: georgia;"><span lang="HI">करने</span></span><span class="y2iqfc" style="font-family: georgia;"><span lang="HI"> </span></span><span class="y2iqfc" style="font-family: georgia;"><span lang="HI">के</span></span></span></pre><pre style="background-attachment: initial; background-clip: initial; background-image: initial; background-origin: initial; background-position: initial; background-repeat: initial; background-size: initial;"><span style="font-size: medium;"><span class="y2iqfc" style="font-family: georgia;"><span lang="HI"> </span></span><span class="y2iqfc" style="font-family: georgia;"><span lang="HI">लिए</span></span><span class="y2iqfc" style="font-family: georgia;"><span lang="HI"> </span></span><span class="y2iqfc" style="font-family: georgia;"><span lang="HI">अच्छे </span></span><span lang="HI">कागजात</span><span class="y2iqfc" style="font-family: georgia;"><span lang="HI"> </span></span><span class="y2iqfc" style="font-family: georgia;"><span lang="HI">बेचने</span></span><span class="y2iqfc" style="font-family: georgia;"><span lang="HI"> </span></span><span class="y2iqfc" style="font-family: georgia;"><span lang="HI">पड़</span></span><span class="y2iqfc" style="font-family: georgia;"><span lang="HI"> </span></span><span class="y2iqfc" style="font-family: georgia;"><span lang="HI">सकते</span></span><span class="y2iqfc" style="font-family: georgia;"><span lang="HI"> </span></span><span class="y2iqfc" style="font-family: georgia;"><span lang="HI">हैं।</span></span><span class="y2iqfc" style="font-family: georgia;"><span lang="HI"> </span></span><span class="y2iqfc" style="font-family: georgia;"><span lang="HI">ऐसे</span></span><span class="y2iqfc" style="font-family: georgia;"><span lang="HI"> </span></span><span class="y2iqfc" style="font-family: georgia;"><span lang="HI">में</span></span><span class="y2iqfc" style="font-family: georgia;"><span lang="HI"> </span></span><span class="y2iqfc" style="font-family: georgia;"><span lang="HI">रिडेम्पशन</span></span><span class="y2iqfc" style="font-family: georgia;"><span lang="HI"> </span></span><span class="y2iqfc" style="font-family: georgia;"><span lang="HI">के</span></span><span class="y2iqfc" style="font-family: georgia;"><span lang="HI"> </span></span><span class="y2iqfc" style="font-family: georgia;"><span lang="HI">दबाव</span></span><span class="y2iqfc" style="font-family: georgia;"><span lang="HI"> </span></span><span class="y2iqfc" style="font-family: georgia;"><span lang="HI">के</span></span><span class="y2iqfc" style="font-family: georgia;"><span lang="HI"> </span></span><span class="y2iqfc" style="font-family: georgia;"><span lang="HI">कारण</span></span><span class="y2iqfc" style="font-family: georgia;"><span lang="HI"> </span></span><span lang="HI">स्कीम</span><span class="y2iqfc" style="font-family: georgia;"><span lang="HI"> </span></span><span class="y2iqfc" style="font-family: georgia;"><span lang="HI">की</span></span><span class="y2iqfc" style="font-family: georgia;"><span lang="HI"> </span></span><span class="y2iqfc" style="font-family: georgia;"><span lang="HI">एनएवी</span></span><span class="y2iqfc" style="font-family: georgia;"><span lang="HI"> </span></span><span class="y2iqfc" style="font-family: georgia;"><span lang="HI">गिर</span></span><span class="y2iqfc" style="font-family: georgia;"><span lang="HI"> </span></span><span class="y2iqfc" style="font-family: georgia;"><span lang="HI">सकती</span></span><span class="y2iqfc" style="font-family: georgia;"><span lang="HI"> </span></span><span class="y2iqfc" style="font-family: georgia;"><span lang="HI">है।</span></span><span class="y2iqfc" style="font-family: georgia;"><span lang="HI"> </span></span><span class="y2iqfc" style="font-family: georgia;"><span lang="HI">लेकिन</span></span><span class="y2iqfc" style="font-family: georgia;"><span lang="HI"> </span></span><span class="y2iqfc" style="font-family: georgia;"><span lang="HI">पीएमएस</span></span><span class="y2iqfc" style="font-family: georgia;"><span lang="HI"> </span></span><span class="y2iqfc" style="font-family: georgia;"><span lang="HI">में</span></span><span class="y2iqfc" style="font-family: georgia;">, </span><span class="y2iqfc" style="font-family: georgia;"><span lang="HI">व्यक्तियों</span></span><span lang="HI">की</span><span class="y2iqfc" style="font-family: georgia;"><span lang="HI"> </span></span><span class="y2iqfc" style="font-family: georgia;"><span lang="HI">हरकतें</span></span><span class="y2iqfc" style="font-family: georgia;"><span lang="HI"> </span></span><span class="y2iqfc" style="font-family: georgia;"><span lang="HI">अन्य</span></span></span></pre><pre style="background-attachment: initial; background-clip: initial; background-image: initial; background-origin: initial; background-position: initial; background-repeat: initial; background-size: initial;"><span style="font-size: medium;"><span class="y2iqfc" style="font-family: georgia;"><span lang="HI">निवेशकों</span></span><span class="y2iqfc" style="font-family: georgia;"><span lang="HI"> </span></span><span class="y2iqfc" style="font-family: georgia;"><span lang="HI">के</span></span><span class="y2iqfc" style="font-family: georgia;"><span lang="HI"> </span></span><span class="y2iqfc" style="font-family: georgia;"><span lang="HI">रिटर्न</span></span><span class="y2iqfc" style="font-family: georgia;"><span lang="HI"> </span></span><span class="y2iqfc" style="font-family: georgia;"><span lang="HI">और</span></span><span class="y2iqfc" style="font-family: georgia;"><span lang="HI"> </span></span><span class="y2iqfc" style="font-family: georgia;"><span lang="HI">निवेश</span></span><span class="y2iqfc" style="font-family: georgia;"><span lang="HI"> </span></span><span class="y2iqfc" style="font-family: georgia;"><span lang="HI">को</span></span><span class="y2iqfc" style="font-family: georgia;"><span lang="HI"> </span></span><span class="y2iqfc" style="font-family: georgia;"><span lang="HI">प्रभावित</span></span><span class="y2iqfc" style="font-family: georgia;"><span lang="HI"> </span></span><span class="y2iqfc" style="font-family: georgia;"><span lang="HI">नहीं</span></span><span class="y2iqfc" style="font-family: georgia;"><span lang="HI"> </span></span><span class="y2iqfc" style="font-family: georgia;"><span lang="HI">करती</span></span><span class="y2iqfc" style="font-family: georgia;"><span lang="HI"> </span></span><span class="y2iqfc" style="font-family: georgia;"><span lang="HI">हैं।</span></span></span></pre></pre></pre><pre style="background-attachment: initial; background-clip: initial; background-image: initial; background-origin: initial; background-position: initial; background-repeat: initial; background-size: initial; color: #202124;"><span style="font-size: medium;"><span style="font-family: georgia;"><span class="y2iqfc"><span lang="HI">4.</span></span><span class="y2iqfc"><span lang="HI">निवेशक</span></span><span class="y2iqfc"><span lang="HI"> </span></span><span class="y2iqfc"><span lang="HI">अपने</span></span><span class="y2iqfc"><span lang="HI"> </span></span><span class="y2iqfc"><span lang="HI">वित्तीय</span></span><span class="y2iqfc"><span lang="HI"> </span></span><span class="y2iqfc"><span lang="HI">लक्ष्यों</span></span><span class="y2iqfc"><span lang="HI"> </span></span><span class="y2iqfc"><span lang="HI">और</span></span><span class="y2iqfc"><span lang="HI"> </span></span><span class="y2iqfc"><span lang="HI">जोखिम</span></span><span class="y2iqfc"><span lang="HI"> </span></span><span class="y2iqfc"><span lang="HI">लेने</span></span><span class="y2iqfc"><span lang="HI"> </span></span><span class="y2iqfc"><span lang="HI">की</span></span><span class="y2iqfc"><span lang="HI"> </span></span><span class="y2iqfc"><span lang="HI">क्षमता</span></span><span class="y2iqfc"><span lang="HI"> </span></span><span class="y2iqfc"><span lang="HI">के</span></span><span class="y2iqfc"><span lang="HI"> </span></span><span class="y2iqfc"><span lang="HI">अनुसार</span></span><span class="y2iqfc"><span lang="HI"> </span></span><span class="y2iqfc"><span lang="HI">फंड </span></span></span><span lang="HI">चुन</span><span class="y2iqfc" style="font-family: georgia;"><span lang="HI"> </span></span><span class="y2iqfc" style="font-family: georgia;"><span lang="HI">सकते</span></span><span class="y2iqfc" style="font-family: georgia;"><span lang="HI"> </span></span><span class="y2iqfc" style="font-family: georgia;"><span lang="HI">हैं।</span></span><span class="y2iqfc" style="font-family: georgia;"><span lang="HI">म्यूचुअल</span></span><span class="y2iqfc" style="font-family: georgia;"><span lang="HI"> </span></span><span class="y2iqfc" style="font-family: georgia;"><span lang="HI">फंड</span></span><span class="y2iqfc" style="font-family: georgia;"><span lang="HI"> </span></span><span class="y2iqfc" style="font-family: georgia;"><span lang="HI">में</span></span><span class="y2iqfc" style="font-family: georgia;"><span lang="HI"> </span></span><span class="y2iqfc" style="font-family: georgia;"><span lang="HI">आप</span></span><span class="y2iqfc" style="font-family: georgia;"><span lang="HI"> </span></span><span class="y2iqfc" style="font-family: georgia;"><span lang="HI">कम</span></span><span class="y2iqfc" style="font-family: georgia;"><span lang="HI"> </span></span><span class="y2iqfc" style="font-family: georgia;"><span lang="HI">से</span></span><span class="y2iqfc" style="font-family: georgia;"><span lang="HI"> </span></span><span class="y2iqfc" style="font-family: georgia;"><span lang="HI">कम</span></span><span class="y2iqfc" style="font-family: georgia;"><span lang="HI"> 500 </span></span><span class="y2iqfc" style="font-family: georgia;"><span lang="HI">रुपये</span></span><span class="y2iqfc" style="font-family: georgia;"><span lang="HI"> </span></span><span class="y2iqfc" style="font-family: georgia;"><span lang="HI">मासिक</span></span><span class="y2iqfc" style="font-family: georgia;"><span lang="HI"> </span></span><span class="y2iqfc" style="font-family: georgia;"><span lang="HI">से</span></span><span class="y2iqfc" style="font-family: georgia;"><span lang="HI"> </span></span><span class="y2iqfc" style="font-family: georgia;"><span lang="HI">निवेश</span></span></span></pre><pre style="background-attachment: initial; background-clip: initial; background-image: initial; background-origin: initial; background-position: initial; background-repeat: initial; background-size: initial; color: #202124;"><span style="font-size: medium;"><span style="font-family: georgia;"><span class="y2iqfc"><span lang="HI">शुरू</span></span><span class="y2iqfc"><span lang="HI"> </span></span><span class="y2iqfc"><span lang="HI">कर</span></span><span class="y2iqfc"><span lang="HI"> </span></span><span class="y2iqfc"><span lang="HI">सकते</span></span><span class="y2iqfc"><span lang="HI"> </span></span><span class="y2iqfc"><span lang="HI">हैं।</span></span><span class="y2iqfc"><span lang="HI"> </span></span><span class="y2iqfc"><span lang="HI">पीएमएस</span></span><span class="y2iqfc"><span lang="HI"> </span></span><span class="y2iqfc"><span lang="HI">में</span></span><span class="y2iqfc"><span lang="HI"> </span></span><span class="y2iqfc"><span lang="HI">कम</span></span><span class="y2iqfc"><span lang="HI"> </span></span><span class="y2iqfc"><span lang="HI">से</span></span><span class="y2iqfc"><span lang="HI"> </span></span><span class="y2iqfc"><span lang="HI">कम</span></span><span class="y2iqfc"><span lang="HI"> 50 </span></span><span class="y2iqfc"><span lang="HI">लाख</span></span><span class="y2iqfc"><span lang="HI"> </span></span><span class="y2iqfc"><span lang="HI">रुपये</span></span><span class="y2iqfc"><span lang="HI"> </span></span><span class="y2iqfc"><span lang="HI">के</span></span><span class="y2iqfc"><span lang="HI"> </span></span><span class="y2iqfc"><span lang="HI">निवेश</span></span><span class="y2iqfc"><span lang="HI"> </span></span><span class="y2iqfc"><span lang="HI">की</span></span><span class="y2iqfc"><span lang="HI"> </span></span><span class="y2iqfc"><span lang="HI">जरूरत </span></span></span><span lang="HI">होती</span><span class="y2iqfc" style="font-family: georgia;"><span lang="HI"> </span></span><span class="y2iqfc" style="font-family: georgia;"><span lang="HI">है।</span></span></span></pre><pre style="background-attachment: initial; background-clip: initial; background-image: initial; background-origin: initial; background-position: initial; background-repeat: initial; background-size: initial; color: #202124;"><span style="font-size: medium;"><span style="font-family: georgia;"><span class="y2iqfc"><span lang="HI">5. </span></span><span class="y2iqfc"><span lang="HI">आप</span></span><span class="y2iqfc"><span lang="HI"> </span></span><span class="y2iqfc"><span lang="HI">प्रत्येक</span></span><span class="y2iqfc"><span lang="HI"> </span></span><span class="y2iqfc"><span lang="HI">लेन</span></span><span class="y2iqfc"><span lang="HI">-</span></span><span class="y2iqfc"><span lang="HI">देन</span></span><span class="y2iqfc"><span lang="HI"> </span></span><span class="y2iqfc"><span lang="HI">पर</span></span><span class="y2iqfc"><span lang="HI"> </span></span><span class="y2iqfc"><span lang="HI">अल्पकालिक</span></span><span class="y2iqfc"><span lang="HI"> </span></span><span class="y2iqfc"><span lang="HI">या</span></span><span class="y2iqfc"><span lang="HI"> </span></span><span class="y2iqfc"><span lang="HI">दीर्घकालिक</span></span><span class="y2iqfc"><span lang="HI"> </span></span><span class="y2iqfc"><span lang="HI">पूंजीगत</span></span><span class="y2iqfc"><span lang="HI"> </span></span><span class="y2iqfc"><span lang="HI">लाभ</span></span><span class="y2iqfc"><span lang="HI"> </span></span><span class="y2iqfc"><span lang="HI">का</span></span></span><span lang="HI">भुगतान</span><span class="y2iqfc" style="font-family: georgia;"><span lang="HI"> </span></span><span class="y2iqfc" style="font-family: georgia;"><span lang="HI">करते</span></span><span class="y2iqfc" style="font-family: georgia;"><span lang="HI"> </span></span><span class="y2iqfc" style="font-family: georgia;"><span lang="HI">हैं।</span></span><span class="y2iqfc" style="font-family: georgia;"><span lang="HI"> </span></span><span class="y2iqfc" style="font-family: georgia;"><span lang="HI">इक्विटी</span></span><span class="y2iqfc" style="font-family: georgia;"><span lang="HI"> </span></span><span class="y2iqfc" style="font-family: georgia;"><span lang="HI">म्यूचुअल</span></span><span class="y2iqfc" style="font-family: georgia;"><span lang="HI"> </span></span><span class="y2iqfc" style="font-family: georgia;"><span lang="HI">फंड</span></span><span class="y2iqfc" style="font-family: georgia;"><span lang="HI"> </span></span><span class="y2iqfc" style="font-family: georgia;"><span lang="HI">में</span></span><span class="y2iqfc" style="font-family: georgia;"><span lang="HI"> </span></span><span class="y2iqfc" style="font-family: georgia;"><span lang="HI">दीर्घकालिक</span></span><span class="y2iqfc" style="font-family: georgia;"><span lang="HI"> </span></span><span class="y2iqfc" style="font-family: georgia;"><span lang="HI">पूंजीगत</span></span><span class="y2iqfc" style="font-family: georgia;"><span lang="HI"> </span></span><span class="y2iqfc" style="font-family: georgia;"><span lang="HI">लाभ</span></span><span class="y2iqfc" style="font-family: georgia;"><span lang="HI"> 10% </span></span><span lang="HI">प्रति</span><span class="y2iqfc" style="font-family: georgia;"><span lang="HI"> </span></span><span class="y2iqfc" style="font-family: georgia;"><span lang="HI">वर्ष</span></span></span></pre><pre style="background-attachment: initial; background-clip: initial; background-image: initial; background-origin: initial; background-position: initial; background-repeat: initial; background-size: initial; color: #202124;"><span style="font-size: medium;"><span style="font-family: georgia;"><span class="y2iqfc"><span lang="HI"> </span></span><span class="y2iqfc"><span lang="HI">की</span></span><span class="y2iqfc"><span lang="HI"> </span></span><span class="y2iqfc"><span lang="HI">दर</span></span><span class="y2iqfc"><span lang="HI"> </span></span><span class="y2iqfc"><span lang="HI">से</span></span><span class="y2iqfc"><span lang="HI"> </span></span><span class="y2iqfc"><span lang="HI">कर</span></span><span class="y2iqfc"><span lang="HI"> </span></span><span class="y2iqfc"><span lang="HI">योग्य</span></span><span class="y2iqfc"><span lang="HI"> </span></span><span class="y2iqfc"><span lang="HI">है</span></span><span class="y2iqfc">, </span><span class="y2iqfc"><span lang="HI">जिसमें</span></span><span class="y2iqfc"><span lang="HI"> </span></span><span class="y2iqfc"><span lang="HI">एक</span></span><span class="y2iqfc"><span lang="HI"> </span></span><span class="y2iqfc"><span lang="HI">वित्तीय</span></span><span class="y2iqfc"><span lang="HI"> </span></span><span class="y2iqfc"><span lang="HI">वर्ष</span></span><span class="y2iqfc"><span lang="HI"> </span></span><span class="y2iqfc"><span lang="HI">में</span></span><span class="y2iqfc"><span lang="HI"> 1</span></span><span class="y2iqfc">,<span lang="HI">00</span>,<span lang="HI">000 </span></span><span class="y2iqfc"><span lang="HI">रुपये </span></span></span><span lang="HI">से</span><span class="y2iqfc" style="font-family: georgia;"><span lang="HI"> </span></span><span class="y2iqfc" style="font-family: georgia;"><span lang="HI">अधिक</span></span><span class="y2iqfc" style="font-family: georgia;"><span lang="HI"> </span></span><span class="y2iqfc" style="font-family: georgia;"><span lang="HI">की</span></span><span class="y2iqfc" style="font-family: georgia;"><span lang="HI"> </span></span><span class="y2iqfc" style="font-family: georgia;"><span lang="HI">आय</span></span><span class="y2iqfc" style="font-family: georgia;"><span lang="HI"> </span></span><span class="y2iqfc" style="font-family: georgia;"><span lang="HI">पर</span></span><span class="y2iqfc" style="font-family: georgia;"><span lang="HI"> </span></span><span class="y2iqfc" style="font-family: georgia;"><span lang="HI">बिना</span></span><span class="y2iqfc" style="font-family: georgia;"><span lang="HI"> </span></span><span class="y2iqfc" style="font-family: georgia;"><span lang="HI">सूचीकरण</span></span><span class="y2iqfc" style="font-family: georgia;"><span lang="HI"> </span></span><span class="y2iqfc" style="font-family: georgia;"><span lang="HI">के</span></span><span class="y2iqfc" style="font-family: georgia;"><span lang="HI"> </span></span><span class="y2iqfc" style="font-family: georgia;"><span lang="HI">उपकर</span></span><span class="y2iqfc" style="font-family: georgia;"><span lang="HI"> </span></span><span class="y2iqfc" style="font-family: georgia;"><span lang="HI">और</span></span><span class="y2iqfc" style="font-family: georgia;"><span lang="HI"> </span></span><span class="y2iqfc" style="font-family: georgia;"><span lang="HI">अधिभार</span></span><span class="y2iqfc" style="font-family: georgia;"><span lang="HI"> </span></span><span class="y2iqfc" style="font-family: georgia;"><span lang="HI">शामिल</span></span><span class="y2iqfc" style="font-family: georgia;"><span lang="HI"> </span></span><span class="y2iqfc" style="font-family: georgia;"><span lang="HI">है।</span></span><span class="y2iqfc" style="font-family: georgia;"><span lang="HI"> </span></span></span></pre><pre style="background-attachment: initial; background-clip: initial; background-image: initial; background-origin: initial; background-position: initial; background-repeat: initial; background-size: initial; color: #202124;"><span style="font-size: medium;"><span style="font-family: georgia;"><span class="y2iqfc"><span lang="HI">अल्पकालिक</span></span><span class="y2iqfc"><span lang="HI"> </span></span><span class="y2iqfc"><span lang="HI">पूंजीगत</span></span><span class="y2iqfc"><span lang="HI"> </span></span><span class="y2iqfc"><span lang="HI">लाभ</span></span><span class="y2iqfc"><span lang="HI"> </span></span><span class="y2iqfc"><span lang="HI">उपकर</span></span><span class="y2iqfc"><span lang="HI"> </span></span><span class="y2iqfc"><span lang="HI">और</span></span><span class="y2iqfc"><span lang="HI"> </span></span><span class="y2iqfc"><span lang="HI">अधिभार</span></span><span class="y2iqfc"><span lang="HI"> </span></span><span class="y2iqfc"><span lang="HI">सहित</span></span><span class="y2iqfc"><span lang="HI"> 15% </span></span><span class="y2iqfc"><span lang="HI">कर</span></span><span class="y2iqfc"><span lang="HI"> </span></span><span class="y2iqfc"><span lang="HI">योग्य</span></span><span class="y2iqfc"><span lang="HI"> </span></span><span class="y2iqfc"><span lang="HI">हैं। </span></span></span><span lang="HI">इसके</span><span class="y2iqfc" style="font-family: georgia;"><span lang="HI"> </span></span><span class="y2iqfc" style="font-family: georgia;"><span lang="HI">अलावा</span></span><span class="y2iqfc" style="font-family: georgia;">, </span><span class="y2iqfc" style="font-family: georgia;"><span lang="HI">म्यूचुअल</span></span><span class="y2iqfc" style="font-family: georgia;"><span lang="HI"> </span></span><span class="y2iqfc" style="font-family: georgia;"><span lang="HI">फंड</span></span><span class="y2iqfc" style="font-family: georgia;"><span lang="HI"> </span></span><span class="y2iqfc" style="font-family: georgia;"><span lang="HI">स्कीम</span></span><span class="y2iqfc" style="font-family: georgia;"><span lang="HI"> </span></span><span class="y2iqfc" style="font-family: georgia;"><span lang="HI">के</span></span><span class="y2iqfc" style="font-family: georgia;"><span lang="HI"> </span></span><span class="y2iqfc" style="font-family: georgia;"><span lang="HI">मालिकों</span></span><span class="y2iqfc" style="font-family: georgia;"><span lang="HI"> </span></span><span class="y2iqfc" style="font-family: georgia;"><span lang="HI">को</span></span><span class="y2iqfc" style="font-family: georgia;"><span lang="HI"> </span></span><span class="y2iqfc" style="font-family: georgia;"><span lang="HI">केवल</span></span><span class="y2iqfc" style="font-family: georgia;"><span lang="HI"> </span></span><span class="y2iqfc" style="font-family: georgia;"><span lang="HI">रिडेम्पशन</span></span><span class="y2iqfc" style="font-family: georgia;"><span lang="HI"> </span></span><span class="y2iqfc" style="font-family: georgia;"><span lang="HI">पर</span></span><span class="y2iqfc" style="font-family: georgia;"><span lang="HI"> </span></span></span></pre><pre style="background-attachment: initial; background-clip: initial; background-image: initial; background-origin: initial; background-position: initial; background-repeat: initial; background-size: initial; color: #202124;"><span style="font-family: georgia; font-size: medium;"><span class="y2iqfc"><span lang="HI">टैक्स</span></span><span class="y2iqfc"><span lang="HI"> </span></span><span class="y2iqfc"><span lang="HI">देना</span></span><span class="y2iqfc"><span lang="HI"> </span></span><span class="y2iqfc"><span lang="HI">होता</span></span><span class="y2iqfc"><span lang="HI"> </span></span><span class="y2iqfc"><span lang="HI">है।</span></span><span class="y2iqfc"><span lang="HI"> </span></span><span class="y2iqfc"><span lang="HI">पोर्टफोलियो</span></span><span class="y2iqfc"><span lang="HI"> </span></span><span class="y2iqfc"><span lang="HI">प्रबंधन</span></span><span class="y2iqfc"><span lang="HI"> </span></span><span class="y2iqfc"><span lang="HI">सेवाओं</span></span><span class="y2iqfc"><span lang="HI"> </span></span><span class="y2iqfc"><span lang="HI">पर</span></span><span class="y2iqfc"><span lang="HI"> </span></span><span class="y2iqfc"><span lang="HI">कर</span></span><span class="y2iqfc"><span lang="HI"> </span></span><span class="y2iqfc"><span lang="HI">उतना</span></span><span class="y2iqfc"><span lang="HI"> </span></span><span class="y2iqfc"><span lang="HI">कुशल</span></span><span class="y2iqfc"><span lang="HI"> </span></span><span class="y2iqfc"><span lang="HI">नहीं</span></span><span class="y2iqfc"><span lang="HI"> </span></span><span class="y2iqfc"><span lang="HI">है।</span></span><span class="y2iqfc"><span lang="HI"><o:p></o:p></span></span></span></pre><pre style="background-attachment: initial; background-clip: initial; background-image: initial; background-origin: initial; background-position: initial; background-repeat: initial; background-size: initial; color: #202124;"><span style="font-size: medium;"><span style="font-family: georgia;"><span class="y2iqfc"><span lang="HI">6. </span></span><span class="y2iqfc"><span lang="HI">म्यूचुअल</span></span><span class="y2iqfc"><span lang="HI"> </span></span><span class="y2iqfc"><span lang="HI">फंड</span></span><span class="y2iqfc"><span lang="HI"> </span></span><span class="y2iqfc"><span lang="HI">में</span></span><span class="y2iqfc"><span lang="HI"> </span></span><span class="y2iqfc"><span lang="HI">निवेश</span></span><span class="y2iqfc"><span lang="HI"> </span></span><span class="y2iqfc"><span lang="HI">की</span></span><span class="y2iqfc"><span lang="HI"> </span></span><span class="y2iqfc"><span lang="HI">प्रक्रिया</span></span><span class="y2iqfc"><span lang="HI"> </span></span><span class="y2iqfc"><span lang="HI">आसान</span></span><span class="y2iqfc"><span lang="HI"> </span></span><span class="y2iqfc"><span lang="HI">है</span></span><span class="y2iqfc"><span lang="HI">. </span></span><span class="y2iqfc"><span lang="HI">लेन</span></span><span class="y2iqfc"><span lang="HI">-</span></span><span class="y2iqfc"><span lang="HI">देन</span></span><span class="y2iqfc"><span lang="HI"> </span></span><span class="y2iqfc"><span lang="HI">के</span></span><span class="y2iqfc"><span lang="HI"> </span></span><span class="y2iqfc"><span lang="HI">उच्च</span></span><span class="y2iqfc"><span lang="HI"> </span></span><span class="y2iqfc"><span lang="HI">मूल्य</span></span><span class="y2iqfc"><span lang="HI"> </span></span><span class="y2iqfc"><span lang="HI">को </span></span></span><span lang="HI">देखते</span><span class="y2iqfc" style="font-family: georgia;"><span lang="HI"> </span></span><span class="y2iqfc" style="font-family: georgia;"><span lang="HI">हुए</span></span><span class="y2iqfc" style="font-family: georgia;"><span lang="HI"> </span></span><span class="y2iqfc" style="font-family: georgia;"><span lang="HI">पोर्टफोलियो</span></span><span class="y2iqfc" style="font-family: georgia;"><span lang="HI"> </span></span><span class="y2iqfc" style="font-family: georgia;"><span lang="HI">प्रबंधन</span></span><span class="y2iqfc" style="font-family: georgia;"><span lang="HI"> </span></span><span class="y2iqfc" style="font-family: georgia;"><span lang="HI">सेवा</span></span><span class="y2iqfc" style="font-family: georgia;"><span lang="HI"> </span></span><span class="y2iqfc" style="font-family: georgia;"><span lang="HI">के</span></span><span class="y2iqfc" style="font-family: georgia;"><span lang="HI"> </span></span><span class="y2iqfc" style="font-family: georgia;"><span lang="HI">लिए</span></span><span class="y2iqfc" style="font-family: georgia;"><span lang="HI"> </span></span><span class="y2iqfc" style="font-family: georgia;"><span lang="HI">निवेश</span></span><span class="y2iqfc" style="font-family: georgia;"><span lang="HI"> </span></span><span class="y2iqfc" style="font-family: georgia;"><span lang="HI">प्रक्रिया</span></span><span class="y2iqfc" style="font-family: georgia;"><span lang="HI"> </span></span><span class="y2iqfc" style="font-family: georgia;"><span lang="HI">अधिक</span></span><span class="y2iqfc" style="font-family: georgia;"><span lang="HI"> </span></span><span class="y2iqfc" style="font-family: georgia;"><span lang="HI">थकाऊ</span></span><span class="y2iqfc" style="font-family: georgia;"><span lang="HI"> </span></span><span class="y2iqfc" style="font-family: georgia;"><span lang="HI">है।</span></span></span></pre><pre style="background-attachment: initial; background-clip: initial; background-image: initial; background-origin: initial; background-position: initial; background-repeat: initial; background-size: initial; color: #202124;"><span style="font-size: medium;"><span style="font-family: georgia;"><span class="y2iqfc"><span lang="HI">7. </span></span><span class="y2iqfc"><span lang="HI">पारदर्शिता</span></span><span class="y2iqfc"><span lang="HI"> </span></span><span class="y2iqfc"><span lang="HI">के</span></span><span class="y2iqfc"><span lang="HI"> </span></span><span class="y2iqfc"><span lang="HI">लिए</span></span><span class="y2iqfc"><span lang="HI"> </span></span><span class="y2iqfc"><span lang="HI">पीएमएस</span></span><span class="y2iqfc"><span lang="HI"> </span></span><span class="y2iqfc"><span lang="HI">को</span></span><span class="y2iqfc"><span lang="HI"> </span></span><span class="y2iqfc"><span lang="HI">ग्राहक</span></span><span class="y2iqfc"><span lang="HI"> </span></span><span class="y2iqfc"><span lang="HI">को</span></span><span class="y2iqfc"><span lang="HI"> </span></span><span class="y2iqfc"><span lang="HI">समय</span></span><span class="y2iqfc"><span lang="HI"> </span></span><span class="y2iqfc"><span lang="HI">पर</span></span><span class="y2iqfc"><span lang="HI"> </span></span><span class="y2iqfc"><span lang="HI">खुलासा</span></span><span class="y2iqfc"><span lang="HI"> </span></span><span class="y2iqfc"><span lang="HI">करना</span></span><span class="y2iqfc"><span lang="HI"> </span></span><span class="y2iqfc"><span lang="HI">चाहिए</span></span><span class="y2iqfc">, </span></span><span lang="HI">क्योंकि</span><span class="y2iqfc" style="font-family: georgia;"><span lang="HI"> </span></span><span class="y2iqfc" style="font-family: georgia;"><span lang="HI">ये</span></span><span class="y2iqfc" style="font-family: georgia;"><span lang="HI"> </span></span><span class="y2iqfc" style="font-family: georgia;"><span lang="HI">जनता</span></span><span class="y2iqfc" style="font-family: georgia;"><span lang="HI"> </span></span><span class="y2iqfc" style="font-family: georgia;"><span lang="HI">के</span></span><span class="y2iqfc" style="font-family: georgia;"><span lang="HI"> </span></span><span class="y2iqfc" style="font-family: georgia;"><span lang="HI">लिए</span></span><span class="y2iqfc" style="font-family: georgia;"><span lang="HI"> </span></span><span class="y2iqfc" style="font-family: georgia;"><span lang="HI">स्वतंत्र</span></span><span class="y2iqfc" style="font-family: georgia;"><span lang="HI"> </span></span><span class="y2iqfc" style="font-family: georgia;"><span lang="HI">रूप</span></span><span class="y2iqfc" style="font-family: georgia;"><span lang="HI"> </span></span><span class="y2iqfc" style="font-family: georgia;"><span lang="HI">से</span></span><span class="y2iqfc" style="font-family: georgia;"><span lang="HI"> </span></span><span class="y2iqfc" style="font-family: georgia;"><span lang="HI">उपलब्ध</span></span><span class="y2iqfc" style="font-family: georgia;"><span lang="HI"> </span></span><span class="y2iqfc" style="font-family: georgia;"><span lang="HI">नहीं</span></span><span class="y2iqfc" style="font-family: georgia;"><span lang="HI"> </span></span><span class="y2iqfc" style="font-family: georgia;"><span lang="HI">हैं।</span></span><span class="y2iqfc" style="font-family: georgia;"><span lang="HI"> </span></span><span class="y2iqfc" style="font-family: georgia;"><span lang="HI">इसके</span></span><span class="y2iqfc" style="font-family: georgia;"><span lang="HI"> </span></span><span class="y2iqfc" style="font-family: georgia;"><span lang="HI">अलावा</span></span><span class="y2iqfc" style="font-family: georgia;">, </span><span class="y2iqfc" style="font-family: georgia;"><span lang="HI">विभिन्न</span></span></span></pre><pre style="background-attachment: initial; background-clip: initial; background-image: initial; background-origin: initial; background-position: initial; background-repeat: initial; background-size: initial; color: #202124;"><span style="font-size: medium;"><span style="font-family: georgia;"><span class="y2iqfc"><span lang="HI">पीएमएस</span></span><span class="y2iqfc"><span lang="HI"> </span></span><span class="y2iqfc"><span lang="HI">उत्पादों</span></span><span class="y2iqfc"><span lang="HI"> </span></span><span class="y2iqfc"><span lang="HI">के</span></span><span class="y2iqfc"><span lang="HI"> </span></span><span class="y2iqfc"><span lang="HI">प्रदर्शन</span></span><span class="y2iqfc"><span lang="HI"> </span></span><span class="y2iqfc"><span lang="HI">का</span></span><span class="y2iqfc"><span lang="HI"> </span></span><span class="y2iqfc"><span lang="HI">आकलन</span></span><span class="y2iqfc"><span lang="HI"> </span></span><span class="y2iqfc"><span lang="HI">और</span></span><span class="y2iqfc"><span lang="HI"> </span></span><span class="y2iqfc"><span lang="HI">तुलना</span></span><span class="y2iqfc"><span lang="HI"> </span></span><span class="y2iqfc"><span lang="HI">करना</span></span><span class="y2iqfc"><span lang="HI"> </span></span><span class="y2iqfc"><span lang="HI">आसान</span></span><span class="y2iqfc"><span lang="HI"> </span></span><span class="y2iqfc"><span lang="HI">नहीं</span></span><span class="y2iqfc"><span lang="HI"> </span></span><span class="y2iqfc"><span lang="HI">है।</span></span><span class="y2iqfc"><span lang="HI"> </span></span></span><span lang="HI">लेकिन</span><span class="y2iqfc" style="font-family: georgia;"><span lang="HI"> </span></span><span class="y2iqfc" style="font-family: georgia;"><span lang="HI">म्यूच्यूअल</span></span><span class="y2iqfc" style="font-family: georgia;"><span lang="HI"> </span></span><span class="y2iqfc" style="font-family: georgia;"><span lang="HI">फण्ड</span></span><span class="y2iqfc" style="font-family: georgia;"><span lang="HI"> </span></span><span class="y2iqfc" style="font-family: georgia;"><span lang="HI">के</span></span><span class="y2iqfc" style="font-family: georgia;"><span lang="HI"> </span></span><span class="y2iqfc" style="font-family: georgia;"><span lang="HI">मामले</span></span><span class="y2iqfc" style="font-family: georgia;"><span lang="HI"> </span></span><span class="y2iqfc" style="font-family: georgia;"><span lang="HI">में</span></span><span class="y2iqfc" style="font-family: georgia;">, </span><span class="y2iqfc" style="font-family: georgia;"><span lang="HI">उन्हें</span></span><span class="y2iqfc" style="font-family: georgia;"><span lang="HI"> </span></span><span class="y2iqfc" style="font-family: georgia;"><span lang="HI">सख्ती</span></span><span class="y2iqfc" style="font-family: georgia;"><span lang="HI"> </span></span><span class="y2iqfc" style="font-family: georgia;"><span lang="HI">से</span></span><span class="y2iqfc" style="font-family: georgia;"><span lang="HI"> </span></span><span class="y2iqfc" style="font-family: georgia;"><span lang="HI">विनियमित</span></span><span class="y2iqfc" style="font-family: georgia;"><span lang="HI"> </span></span><span class="y2iqfc" style="font-family: georgia;"><span lang="HI">किया</span></span><span class="y2iqfc" style="font-family: georgia;"><span lang="HI"> </span></span><span class="y2iqfc" style="font-family: georgia;"><span lang="HI">जाता</span></span><span class="y2iqfc" style="font-family: georgia;"><span lang="HI"> </span></span><span class="y2iqfc" style="font-family: georgia;"><span lang="HI">है</span></span><span class="y2iqfc" style="font-family: georgia;">,</span></span></pre><pre style="background-attachment: initial; background-clip: initial; background-image: initial; background-origin: initial; background-position: initial; background-repeat: initial; background-size: initial; color: #202124;"><span style="font-size: medium;"><span style="font-family: georgia;"><span class="y2iqfc"><span lang="HI">और</span></span><span class="y2iqfc"><span lang="HI"> </span></span><span class="y2iqfc"><span lang="HI">सभी</span></span><span class="y2iqfc"><span lang="HI"> </span></span><span class="y2iqfc"><span lang="HI">जानकारी</span></span><span class="y2iqfc"><span lang="HI"> </span></span><span class="y2iqfc"><span lang="HI">सार्वजनिक</span></span><span class="y2iqfc"><span lang="HI"> </span></span><span class="y2iqfc"><span lang="HI">होती</span></span><span class="y2iqfc"><span lang="HI"> </span></span><span class="y2iqfc"><span lang="HI">है।</span></span><span class="y2iqfc"><span lang="HI"> </span></span><span class="y2iqfc"><span lang="HI">आप</span></span><span class="y2iqfc"><span lang="HI"> </span></span><span class="y2iqfc"><span lang="HI">आसानी</span></span><span class="y2iqfc"><span lang="HI"> </span></span><span class="y2iqfc"><span lang="HI">से</span></span><span class="y2iqfc"><span lang="HI"> </span></span><span class="y2iqfc"><span lang="HI">प्रदर्शनों</span></span><span class="y2iqfc"><span lang="HI"> </span></span><span class="y2iqfc"><span lang="HI">की</span></span><span class="y2iqfc"><span lang="HI"> </span></span><span class="y2iqfc"><span lang="HI">तुलना</span></span><span class="y2iqfc"><span lang="HI"> </span></span><span class="y2iqfc"><span lang="HI">कर</span></span><span class="y2iqfc"><span lang="HI"> </span></span></span><span lang="HI">सकते</span><span class="y2iqfc" style="font-family: georgia;"><span lang="HI"> </span></span><span class="y2iqfc" style="font-family: georgia;"><span lang="HI">हैं।</span></span></span></pre><pre style="background-attachment: initial; background-clip: initial; background-image: initial; background-origin: initial; background-position: initial; background-repeat: initial; background-size: initial; color: #202124;"><span style="font-size: medium;"><span style="font-family: georgia;"><span class="y2iqfc"><span lang="HI">8.</span></span><span class="y2iqfc"><span lang="HI">एक</span></span><span class="y2iqfc"><span lang="HI"> </span></span><span class="y2iqfc"><span lang="HI">पीएमएस</span></span><span class="y2iqfc"><span lang="HI"> </span></span><span class="y2iqfc"><span lang="HI">प्रदर्शन</span></span><span class="y2iqfc"><span lang="HI"> </span></span><span class="y2iqfc"><span lang="HI">पर</span></span><span class="y2iqfc"><span lang="HI"> </span></span><span class="y2iqfc"><span lang="HI">ध्यान</span></span><span class="y2iqfc"><span lang="HI"> </span></span><span class="y2iqfc"><span lang="HI">केंद्रित</span></span><span class="y2iqfc"><span lang="HI"> </span></span><span class="y2iqfc"><span lang="HI">कर</span></span><span class="y2iqfc"><span lang="HI"> </span></span><span class="y2iqfc"><span lang="HI">सकता</span></span><span class="y2iqfc"><span lang="HI"> </span></span><span class="y2iqfc"><span lang="HI">है</span></span><span class="y2iqfc"><span lang="HI"> </span></span><span class="y2iqfc"><span lang="HI">और</span></span><span class="y2iqfc"><span lang="HI"> </span></span><span class="y2iqfc"><span lang="HI">पूर्ण</span></span><span class="y2iqfc"><span lang="HI"> </span></span><span class="y2iqfc"><span lang="HI">रिटर्न</span></span><span class="y2iqfc"><span lang="HI"> </span></span><span class="y2iqfc"><span lang="HI">को</span></span><span class="y2iqfc"><span lang="HI"> </span></span><span class="y2iqfc"><span lang="HI">अधिकतम </span></span></span><span lang="HI">करने</span><span class="y2iqfc" style="font-family: georgia;"><span lang="HI"> </span></span><span class="y2iqfc" style="font-family: georgia;"><span lang="HI">के</span></span><span class="y2iqfc" style="font-family: georgia;"><span lang="HI"> </span></span><span class="y2iqfc" style="font-family: georgia;"><span lang="HI">लिए</span></span><span class="y2iqfc" style="font-family: georgia;"><span lang="HI"> </span></span><span class="y2iqfc" style="font-family: georgia;"><span lang="HI">निवेश</span></span><span class="y2iqfc" style="font-family: georgia;"><span lang="HI"> </span></span><span class="y2iqfc" style="font-family: georgia;"><span lang="HI">निर्णय</span></span><span class="y2iqfc" style="font-family: georgia;"><span lang="HI"> </span></span><span class="y2iqfc" style="font-family: georgia;"><span lang="HI">ले</span></span><span class="y2iqfc" style="font-family: georgia;"><span lang="HI"> </span></span><span class="y2iqfc" style="font-family: georgia;"><span lang="HI">सकता</span></span><span class="y2iqfc" style="font-family: georgia;"><span lang="HI"> </span></span><span class="y2iqfc" style="font-family: georgia;"><span lang="HI">है।</span></span><span class="y2iqfc" style="font-family: georgia;"><span lang="HI"> </span></span><span class="y2iqfc" style="font-family: georgia;"><span lang="HI">वे</span></span><span class="y2iqfc" style="font-family: georgia;"><span lang="HI"> </span></span><span class="y2iqfc" style="font-family: georgia;"><span lang="HI">म्युचुअल</span></span><span class="y2iqfc" style="font-family: georgia;"><span lang="HI"> </span></span><span class="y2iqfc" style="font-family: georgia;"><span lang="HI">फंडों</span></span><span class="y2iqfc" style="font-family: georgia;"><span lang="HI"> </span></span><span class="y2iqfc" style="font-family: georgia;"><span lang="HI">की</span></span><span class="y2iqfc" style="font-family: georgia;"><span lang="HI"> </span></span><span class="y2iqfc" style="font-family: georgia;"><span lang="HI">तुलना</span></span></span></pre><pre style="background-attachment: initial; background-clip: initial; background-image: initial; background-origin: initial; background-position: initial; background-repeat: initial; background-size: initial; color: #202124;"><span style="font-size: medium;"><span class="y2iqfc" style="font-family: georgia;"><span lang="HI">में</span></span><span class="y2iqfc" style="font-family: georgia;"><span lang="HI"> </span></span><span class="y2iqfc" style="font-family: georgia;"><span lang="HI">रिटर्न</span></span><span class="y2iqfc" style="font-family: georgia;"><span lang="HI"> </span></span><span class="y2iqfc" style="font-family: georgia;"><span lang="HI">पर </span></span><span lang="HI">अधिक</span><span class="y2iqfc" style="font-family: georgia;"><span lang="HI"> </span></span><span class="y2iqfc" style="font-family: georgia;"><span lang="HI">ध्यान</span></span><span class="y2iqfc" style="font-family: georgia;"><span lang="HI"> </span></span><span class="y2iqfc" style="font-family: georgia;"><span lang="HI">केंद्रित</span></span><span class="y2iqfc" style="font-family: georgia;"><span lang="HI"> </span></span><span class="y2iqfc" style="font-family: georgia;"><span lang="HI">कर</span></span><span class="y2iqfc" style="font-family: georgia;"><span lang="HI"> </span></span><span class="y2iqfc" style="font-family: georgia;"><span lang="HI">सकते</span></span><span class="y2iqfc" style="font-family: georgia;"><span lang="HI"> </span></span><span class="y2iqfc" style="font-family: georgia;"><span lang="HI">हैं</span></span><span class="y2iqfc" style="font-family: georgia;">, </span><span class="y2iqfc" style="font-family: georgia;"><span lang="HI">जिन्हें</span></span><span class="y2iqfc" style="font-family: georgia;"><span lang="HI"> </span></span><span class="y2iqfc" style="font-family: georgia;"><span lang="HI">विविधीकरण</span></span><span class="y2iqfc" style="font-family: georgia;"><span lang="HI"> </span></span><span class="y2iqfc" style="font-family: georgia;"><span lang="HI">नियमों</span></span><span class="y2iqfc" style="font-family: georgia;">, </span><span class="y2iqfc" style="font-family: georgia;"><span lang="HI">मूल्यांकन</span></span><span class="y2iqfc" style="font-family: georgia;"><span lang="HI"> </span></span><span class="y2iqfc" style="font-family: georgia;"><span lang="HI">दिशानिर्देशों </span></span><span lang="HI">और</span><span class="y2iqfc" style="font-family: georgia;"><span lang="HI"> </span></span><span class="y2iqfc" style="font-family: georgia;"><span lang="HI">रिडेम्पशन</span></span><span class="y2iqfc" style="font-family: georgia;"><span lang="HI"> </span></span><span class="y2iqfc" style="font-family: georgia;"><span lang="HI">से</span></span><span class="y2iqfc" style="font-family: georgia;"><span lang="HI"> </span></span><span class="y2iqfc" style="font-family: georgia;"><span lang="HI">संबंधित</span></span><span class="y2iqfc" style="font-family: georgia;"><span lang="HI"> </span></span><span class="y2iqfc" style="font-family: georgia;"><span lang="HI">नियमों</span></span><span class="y2iqfc" style="font-family: georgia;"><span lang="HI"> </span></span><span class="y2iqfc" style="font-family: georgia;"><span lang="HI">का</span></span><span class="y2iqfc" style="font-family: georgia;"><span lang="HI"> </span></span><span class="y2iqfc" style="font-family: georgia;"><span lang="HI">ध्यान</span></span><span class="y2iqfc" style="font-family: georgia;"><span lang="HI"> </span></span><span class="y2iqfc" style="font-family: georgia;"><span lang="HI">रखना</span></span><span class="y2iqfc" style="font-family: georgia;"><span lang="HI"> </span></span><span class="y2iqfc" style="font-family: georgia;"><span lang="HI">होता</span></span><span class="y2iqfc" style="font-family: georgia;"><span lang="HI"> </span></span><span class="y2iqfc" style="font-family: georgia;"><span lang="HI">है।</span></span></span></pre><pre style="background-attachment: initial; background-clip: initial; background-image: initial; background-origin: initial; background-position: initial; background-repeat: initial; background-size: initial;"><span class="y2iqfc"><span lang="HI"><pre style="background-attachment: initial; background-clip: initial; background-image: initial; background-origin: initial; background-position: initial; background-repeat: initial; background-size: initial; color: #202124;"><span style="font-size: medium;"><span style="font-family: georgia;"><span class="y2iqfc"><span lang="HI">म्यूचुअल</span></span><span class="y2iqfc"><span lang="HI"> </span></span><span class="y2iqfc"><span lang="HI">फंड</span></span><span class="y2iqfc"><span lang="HI"> </span></span><span class="y2iqfc"><span lang="HI">और</span></span><span class="y2iqfc"><span lang="HI"> </span></span><span class="y2iqfc"><span lang="HI">पीएमएस</span></span><span class="y2iqfc"><span lang="HI"> </span></span><span class="y2iqfc"><span lang="HI">की</span></span><span class="y2iqfc"><span lang="HI"> </span></span><span class="y2iqfc"><span lang="HI">तुलना</span></span><span class="y2iqfc"><span lang="HI"> </span></span><span class="y2iqfc"><span lang="HI">करके</span></span><span class="y2iqfc"><span lang="HI"> </span></span><span class="y2iqfc"><span lang="HI">आप</span></span><span class="y2iqfc"><span lang="HI"> </span></span><span class="y2iqfc"><span lang="HI">अपने</span></span><span class="y2iqfc"><span lang="HI"> </span></span><span class="y2iqfc"><span lang="HI">वित्तीय</span></span><span class="y2iqfc"><span lang="HI"> </span></span><span class="y2iqfc"><span lang="HI">उद्देश्यों</span></span><span class="y2iqfc"><span lang="HI"> </span></span><span class="y2iqfc"><span lang="HI">और</span></span><span class="y2iqfc"><span lang="HI"> </span></span><span class="y2iqfc"><span lang="HI">जोखिम </span></span></span><span lang="HI">लेने</span><span class="y2iqfc" style="font-family: georgia;"><span lang="HI"> </span></span><span class="y2iqfc" style="font-family: georgia;"><span lang="HI">की</span></span><span class="y2iqfc" style="font-family: georgia;"><span lang="HI"> </span></span><span class="y2iqfc" style="font-family: georgia;"><span lang="HI">क्षमता</span></span><span class="y2iqfc" style="font-family: georgia;"><span lang="HI"> </span></span><span class="y2iqfc" style="font-family: georgia;"><span lang="HI">के</span></span><span class="y2iqfc" style="font-family: georgia;"><span lang="HI"> </span></span><span class="y2iqfc" style="font-family: georgia;"><span lang="HI">अनुसार</span></span><span class="y2iqfc" style="font-family: georgia;"><span lang="HI"> </span></span><span class="y2iqfc" style="font-family: georgia;"><span lang="HI">निवेश</span></span><span class="y2iqfc" style="font-family: georgia;"><span lang="HI"> </span></span><span class="y2iqfc" style="font-family: georgia;"><span lang="HI">संबंधी</span></span><span class="y2iqfc" style="font-family: georgia;"><span lang="HI"> </span></span><span class="y2iqfc" style="font-family: georgia;"><span lang="HI">निर्णय</span></span><span class="y2iqfc" style="font-family: georgia;"><span lang="HI"> </span></span><span class="y2iqfc" style="font-family: georgia;"><span lang="HI">ले</span></span><span class="y2iqfc" style="font-family: georgia;"><span lang="HI"> </span></span><span class="y2iqfc" style="font-family: georgia;"><span lang="HI">सकते</span></span><span class="y2iqfc" style="font-family: georgia;"><span lang="HI"> </span></span><span class="y2iqfc" style="font-family: georgia;"><span lang="HI">हैं।</span></span></span></pre><pre style="background-attachment: initial; background-clip: initial; background-image: initial; background-origin: initial; background-position: initial; background-repeat: initial; background-size: initial; color: #202124;"><span class="y2iqfc"><span lang="HI"><o:p><span style="font-family: georgia; font-size: medium;"> </span></o:p></span></span><b><span style="font-size: large;"><span class="y2iqfc" style="font-family: georgia;"><span lang="HI">यह</span></span><span class="y2iqfc" style="font-family: georgia;"><span lang="HI"> </span></span><span class="y2iqfc" style="font-family: georgia;"><span lang="HI">ब्लॉग</span></span><span class="y2iqfc" style="font-family: georgia;"><span lang="HI"> </span></span><span class="y2iqfc" style="font-family: georgia;"><span lang="HI">विशुद्ध</span></span><span class="y2iqfc" style="font-family: georgia;"><span lang="HI"> </span></span><span class="y2iqfc" style="font-family: georgia;"><span lang="HI">रूप</span></span><span class="y2iqfc" style="font-family: georgia;"><span lang="HI"> </span></span><span class="y2iqfc" style="font-family: georgia;"><span lang="HI">से</span></span><span class="y2iqfc" style="font-family: georgia;"><span lang="HI"> </span></span><span class="y2iqfc" style="font-family: georgia;"><span lang="HI">शैक्षिक</span></span><span class="y2iqfc" style="font-family: georgia;"><span lang="HI"> </span></span><span class="y2iqfc" style="font-family: georgia;"><span lang="HI">उद्देश्यों</span></span><span class="y2iqfc" style="font-family: georgia;"><span lang="HI"> </span></span><span class="y2iqfc" style="font-family: georgia;"><span lang="HI">के</span></span><span class="y2iqfc" style="font-family: georgia;"><span lang="HI"> </span></span><span class="y2iqfc" style="font-family: georgia;"><span lang="HI">लिए</span></span><span class="y2iqfc" style="font-family: georgia;"><span lang="HI"> </span></span><span class="y2iqfc" style="font-family: georgia;"><span lang="HI">है</span></span><span class="y2iqfc" style="font-family: georgia;"><span lang="HI"> </span></span><span class="y2iqfc" style="font-family: georgia;"><span lang="HI">और</span></span><span class="y2iqfc" style="font-family: georgia;"><span lang="HI"> </span></span><span class="y2iqfc" style="font-family: georgia;"><span lang="HI">इसे</span></span><span class="y2iqfc" style="font-family: georgia;"><span lang="HI"> </span></span><span class="y2iqfc" style="font-family: georgia;"><span lang="HI">व्यक्तिगत</span></span><span class="y2iqfc" style="font-family: georgia;"><span lang="HI"> </span></span><span class="y2iqfc" style="font-family: georgia;"><span lang="HI">सलाह</span></span><span class="y2iqfc" style="font-family: georgia;"><span lang="HI"> </span></span><span class="y2iqfc" style="font-family: georgia;"><span lang="HI">के</span></span><span class="y2iqfc" style="font-family: georgia;"><span lang="HI"> </span></span><span class="y2iqfc" style="font-family: georgia;"><span lang="HI">रूप </span></span><span class="y2iqfc" style="font-family: georgia;"><span lang="HI">में</span></span><span class="y2iqfc" style="font-family: georgia;"><span lang="HI"> </span></span><span class="y2iqfc" style="font-family: georgia;"><span lang="HI">नहीं</span></span><span class="y2iqfc" style="font-family: georgia;"><span lang="HI"> </span></span><span class="y2iqfc" style="font-family: georgia;"><span lang="HI">माना</span></span><span class="y2iqfc" style="font-family: georgia;"><span lang="HI"> </span></span><span class="y2iqfc" style="font-family: georgia;"><span lang="HI">जाना</span></span><span class="y2iqfc" style="font-family: georgia;"><span lang="HI"> </span></span><span class="y2iqfc" style="font-family: georgia;"><span lang="HI">चाहिए।</span></span><span class="y2iqfc" style="font-family: georgia;"><span lang="HI"> </span></span><span class="y2iqfc" style="font-family: georgia;"><span lang="HI">म्युचुअल</span></span><span class="y2iqfc" style="font-family: georgia;"><span lang="HI"> </span></span><span class="y2iqfc" style="font-family: georgia;"><span lang="HI">फंड</span></span><span class="y2iqfc" style="font-family: georgia;"><span lang="HI"> </span></span><span class="y2iqfc" style="font-family: georgia;"><span lang="HI">निवेश</span></span><span class="y2iqfc" style="font-family: georgia;"><span lang="HI"> </span></span><span class="y2iqfc" style="font-family: georgia;"><span lang="HI">बाजार</span></span><span class="y2iqfc" style="font-family: georgia;"><span lang="HI"> </span></span><span class="y2iqfc" style="font-family: georgia;"><span lang="HI">के</span></span><span class="y2iqfc" style="font-family: georgia;"><span lang="HI"> </span></span></span></b></pre><pre style="background-attachment: initial; background-clip: initial; background-image: initial; background-origin: initial; background-position: initial; background-repeat: initial; background-size: initial; color: #202124;"><b><span style="font-size: large;"><span class="y2iqfc" style="font-family: georgia;"><span lang="HI">जोखिमों</span></span><span class="y2iqfc" style="font-family: georgia;"><span lang="HI"> </span></span></span></b><b><span style="font-size: large;"><span class="y2iqfc" style="font-family: georgia;"><span lang="HI">के</span></span><span class="y2iqfc" style="font-family: georgia;"><span lang="HI"> </span></span><span class="y2iqfc" style="font-family: georgia;"><span lang="HI">अधीन</span></span><span class="y2iqfc" style="font-family: georgia;"><span lang="HI"> </span></span><span class="y2iqfc" style="font-family: georgia;"><span lang="HI">हैं</span></span><span class="y2iqfc" style="font-family: georgia;">, </span><span class="y2iqfc" style="font-family: georgia;"><span lang="HI">योजना</span></span><span class="y2iqfc" style="font-family: georgia;"><span lang="HI"> </span></span><span class="y2iqfc" style="font-family: georgia;"><span lang="HI">से</span></span><span class="y2iqfc" style="font-family: georgia;"><span lang="HI"> </span></span><span class="y2iqfc" style="font-family: georgia;"><span lang="HI">संबंधित</span></span><span class="y2iqfc" style="font-family: georgia;"><span lang="HI"> </span></span><span class="y2iqfc" style="font-family: georgia;"><span lang="HI">सभी</span></span><span class="y2iqfc" style="font-family: georgia;"><span lang="HI"> </span></span><span class="y2iqfc" style="font-family: georgia;"><span lang="HI">दस्तावेजों</span></span><span class="y2iqfc" style="font-family: georgia;"><span lang="HI"> </span></span><span class="y2iqfc" style="font-family: georgia;"><span lang="HI">को</span></span><span class="y2iqfc" style="font-family: georgia;"><span lang="HI"> </span></span><span class="y2iqfc" style="font-family: georgia;"><span lang="HI">ध्यान</span></span><span class="y2iqfc" style="font-family: georgia;"><span lang="HI"> </span></span><span class="y2iqfc" style="font-family: georgia;"><span lang="HI">से</span></span><span class="y2iqfc" style="font-family: georgia;"><span lang="HI"> </span></span><span class="y2iqfc" style="font-family: georgia;"><span lang="HI">पढ़ें।</span></span></span></b></pre><pre style="background-attachment: initial; background-clip: initial; background-image: initial; background-origin: initial; background-position: initial; background-repeat: initial; background-size: initial;"><span class="y2iqfc"><span lang="HI"><div class="separator" style="clear: both; color: #202124; text-align: center;"><span style="font-family: georgia; font-size: medium;"><img alt="" border="0" class="placeholder" height="301" id="0b194967ef283" src="https://www.blogger.com/img/transparent.gif" style="background-color: #d8d8d8; background-image: url('https://fonts.gstatic.com/s/i/materialiconsextended/insert_photo/v6/grey600-24dp/1x/baseline_insert_photo_grey600_24dp.png'); background-position: 50% 50%; background-repeat: no-repeat; opacity: 0.6;" width="401" /></span></div><div class="separator" style="clear: both; text-align: center;"><p class="MsoNormal" style="line-height: normal; margin-bottom: 0.0001pt;"><span style="font-family: georgia; font-size: medium;"><span style="color: #202124;"> </span><span style="color: black; font-weight: bold;">AMFI Registered Mutual Fund Distributor <br /></span><b style="color: #202124;"><span style="color: black;"><span lang="HI"> 6306522855</span> </span></b><b style="color: #202124;"><span style="color: black;">
</span></b><b style="color: #202124;"><span style="color: black;"> Burlington, Lucknow, <span lang="HI">226001</span></span></b></span></p><span style="font-family: georgia; font-size: medium;"><b style="color: #202124;"><span style="color: black;"> customercare@vsix.co.in ||</span></b><b style="color: #202124;"><span style="color: black;">www.vsix.co.in<br /></span></b></span><p class="MsoNormal" style="color: #202124; line-height: normal; margin-bottom: 0.0001pt;"><span style="font-family: georgia; font-size: medium;"><b><span style="color: black;">
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</span></b><b><span style="color: black;"><o:p></o:p></span></b></span></p><span style="color: #202124; font-family: georgia; font-size: medium;">
</span></div><span style="color: #202124; font-family: Mangal, serif;"><span style="font-size: 26pt;"><br /></span></span></span></span></pre></span></span></pre></pre></pre></span></span></pre></span></pre></span></span></pre></span></pre></span></span></pre></span><pre><span class="y2iqfc"><span face=""Arial","sans-serif"" style="color: #202124; font-size: 26pt;"><o:p></o:p></span></span></pre></pre></span></pre>V6 ARTHGYAN LLPhttp://www.blogger.com/profile/18128509813979049058noreply@blogger.com0tag:blogger.com,1999:blog-4746449159280106368.post-91543507756684377622022-11-14T20:42:00.000-08:002022-11-14T20:51:37.861-08:00 Whether To Go For Mutual Funds or PMS<p align="center" class="MsoNormal" style="line-height: normal; margin-bottom: 0cm; text-align: center;"></p><div class="separator" style="clear: both; text-align: center;"><span style="font-family: georgia; font-size: x-large;"><u> Whether To Go For Mutual Funds or PMS</u></span></div><div class="separator" style="clear: both; text-align: center;"><span style="font-family: georgia;"><br /></span></div><div class="separator" style="clear: both; text-align: center;"><span style="font-family: georgia;"><br /></span></div><div class="separator" style="clear: both; text-align: center;"><a href="https://blogger.googleusercontent.com/img/a/AVvXsEgbj3qMgowfkaWLIcDbboz-YGDsi-pwvBzL3EMmHGxLlPjFtlhzFAHtCgVnHHjMMWpad6BQCAWERqr1Bhbp8exH-4X4LGMTH_aW5UUsLi40fl01zDWEGbU9hofcNdjVRv6M9DyTQ34mc5ql70EcnrwdOrpDDdMutihhVIT7AkK8gpB0QcsB3Z6n-Ap7" style="margin-left: 1em; margin-right: 1em;"><span style="font-family: georgia;"><img alt="" data-original-height="164" data-original-width="315" height="263" src="https://blogger.googleusercontent.com/img/a/AVvXsEgbj3qMgowfkaWLIcDbboz-YGDsi-pwvBzL3EMmHGxLlPjFtlhzFAHtCgVnHHjMMWpad6BQCAWERqr1Bhbp8exH-4X4LGMTH_aW5UUsLi40fl01zDWEGbU9hofcNdjVRv6M9DyTQ34mc5ql70EcnrwdOrpDDdMutihhVIT7AkK8gpB0QcsB3Z6n-Ap7=w507-h263" width="507" /></span></a></div><span style="font-family: georgia;"><br /><br /></span><p></p>
<p class="MsoNormal" style="line-height: normal; margin-bottom: 9.35pt; margin-left: 0cm; margin-right: 0cm; margin-top: 18.7pt; margin: 18.7pt 0cm 9.35pt; mso-outline-level: 1; text-align: justify;"><span style="color: #333333; font-size: 33.5pt;"><span style="font-family: georgia;">Whether to go for mutual funds or PMS?<o:p></o:p></span></span></p>
<p class="MsoNormal" style="line-height: 23.4pt; margin-bottom: 9.35pt; text-align: justify;"><span style="color: #333333; font-size: 14pt;"><span style="font-family: georgia;"><b><u>Portfolio Management
Services (PMS)</u></b> may sound like mutual funds. Are you confused between PMS and
Mutual Funds? While there are similarities, they are not the same.<o:p></o:p></span></span></p>
<p class="MsoNormal" style="line-height: 23.4pt; margin-bottom: 9.35pt; text-align: justify;"><span style="color: #333333; font-size: 14pt;"><span style="font-family: georgia;">Before understanding
the differences between the two, we need to understand mutual and
PMS. <o:p></o:p></span></span></p>
<p class="MsoNormal" style="line-height: 23.4pt; margin-bottom: 9.35pt; text-align: justify;"><u><span style="font-family: georgia; font-size: large;"><b><span style="color: #333333;">Mutual
Funds</span></b><span style="color: #333333;"><o:p></o:p></span></span></u></p>
<p class="MsoNormal" style="line-height: 23.4pt; margin-bottom: 9.35pt; text-align: justify;"><span style="color: #333333; font-size: 14pt;"><span style="font-family: georgia;">When an entity invests
money in stocks, bonds, money market instruments, or other securities after
collecting funds from several investors with similar investment goals, such a
financial instrument is known as a Mutual Fund. And by determining a scheme's
<b><u>"Net Asset Value," or NAV,</u></b> the returns earned from this collective
investment are distributed proportionately among the investors after
considering any applicable expenses and levies.<o:p></o:p></span></span></p>
<p class="MsoNormal" style="line-height: 23.4pt; margin-bottom: 9.35pt; text-align: justify;"><u><span style="font-family: georgia; font-size: large;"><b><span style="color: #333333;">Portfolio
Management Services</span></b><span style="color: #333333;"><o:p></o:p></span></span></u></p>
<p class="MsoNormal" style="line-height: 23.4pt; margin-bottom: 9.35pt; text-align: justify;"><span style="color: #333333; font-size: 14pt;"><span style="font-family: georgia;">PMS is a financial
service provided by the portfolio manager to achieve the required rate of
return while maintaining the desired level of risk. A portfolio manager is a qualified
investment professional with extensive knowledge of the market's various
instruments who focuses on analyzing the investor's investment goals. Stocks,
fixed income, commodities, real estate, other structured products, and cash can
all be included in an investment portfolio.<o:p></o:p></span></span></p>
<p class="MsoNormal" style="line-height: 23.4pt; margin-bottom: 9.35pt; text-align: justify;"><span style="color: #333333; font-size: 14pt;"><span style="font-family: georgia;">PMS is a customized
service offered as per the investor's return requirements and the ability and
willingness to assume the risk. A <b><u>PMS drafts an Investment Policy Statement
(IPS)</u></b> to understand the financial position and needs of the client. The
portfolio manager ensures that the return requirements coincide with the risk
profile.<o:p></o:p></span></span></p>
<p class="MsoNormal" style="line-height: 23.4pt; margin-bottom: 9.35pt; text-align: justify;"><span style="color: #333333; font-size: 14pt;"><span style="font-family: georgia;">Now that we know all
about mutual funds and portfolio management services, there are a few ways in
which you can decide on what type of investment avenue suits you the best.<o:p></o:p></span></span></p>
<p class="MsoNormal" style="line-height: 23.4pt; margin-left: 36pt; mso-list: l0 level1 lfo1; mso-margin-bottom-alt: auto; mso-margin-top-alt: auto; tab-stops: list 36.0pt; text-align: justify; text-indent: -18pt;"><!--[if !supportLists]--><span style="font-family: georgia;"><span style="color: #333333; font-size: 14pt;"><b>1.</b><span style="font-size: 7pt; font-stretch: normal; font-variant-east-asian: normal; font-variant-numeric: normal; line-height: normal;">
</span></span><!--[endif]--><span style="color: #333333; font-size: 14pt;">Mutual Funds work in a
rigid framework by their mandate and invest in instruments as per the scheme’s
investment objective. However, PMS offers a customizable regime to their
investors, where the portfolio is constructed at a macro level.<o:p></o:p></span></span></p>
<p class="MsoNormal" style="line-height: 23.4pt; margin-left: 36pt; mso-list: l0 level1 lfo1; mso-margin-bottom-alt: auto; mso-margin-top-alt: auto; tab-stops: list 36.0pt; text-align: justify; text-indent: -18pt;"><!--[if !supportLists]--><span style="font-family: georgia;"><span style="color: #333333; font-size: 14pt;"><b>2.</b><span style="font-size: 7pt; font-stretch: normal; font-variant-east-asian: normal; font-variant-numeric: normal; line-height: normal;">
</span></span><!--[endif]--><span style="color: #333333; font-size: 14pt;">The cost of a PMS is
higher than that of mutual funds. Mutual funds are more cost-effective and more
suitable for retail investors.<o:p></o:p></span></span></p>
<p class="MsoNormal" style="line-height: 23.4pt; margin-left: 36pt; mso-list: l0 level1 lfo1; mso-margin-bottom-alt: auto; mso-margin-top-alt: auto; tab-stops: list 36.0pt; text-align: justify; text-indent: -18pt;"><!--[if !supportLists]--><span style="font-family: georgia;"><span style="color: #333333; font-size: 14pt;"><b>3.</b><span style="font-size: 7pt; font-stretch: normal; font-variant-east-asian: normal; font-variant-numeric: normal; line-height: normal;"><b> </b>
</span></span><!--[endif]--><span style="color: #333333; font-size: 14pt;">As mutual funds are
pooled investments, other investors' actions can impact the mutual fund's
performance. For example, suppose an investor withdraws a considerable sum of
their invested amount from the fund. In that case, the fund manager might have
to sell good papers to cover the liquidity requirements. In such a case, the
NAV of the scheme might fall due to redemption pressures. But in PMS, the
actions of individuals do not affect the returns and investments of other
investors.<o:p></o:p></span></span></p>
<p class="MsoNormal" style="line-height: 23.4pt; margin-left: 36pt; mso-list: l0 level1 lfo1; mso-margin-bottom-alt: auto; mso-margin-top-alt: auto; tab-stops: list 36.0pt; text-align: justify; text-indent: -18pt;"><!--[if !supportLists]--><span style="font-family: georgia;"><span style="color: #333333; font-size: 14pt;"><b>4.</b><span style="font-size: 7pt; font-stretch: normal; font-variant-east-asian: normal; font-variant-numeric: normal; line-height: normal;"><b> </b>
</span></span><!--[endif]--><span style="color: #333333; font-size: 14pt;">Investors may choose
funds as per their financial goals and risk appetite. In mutual funds, you can
start investing at as low as Rs 500 monthly. In PMS, a minimum investment of Rs
50 lakh is required.<o:p></o:p></span></span></p>
<p class="MsoNormal" style="line-height: 23.4pt; margin-left: 36pt; mso-list: l0 level1 lfo1; mso-margin-bottom-alt: auto; mso-margin-top-alt: auto; tab-stops: list 36.0pt; text-align: justify; text-indent: -18pt;"><!--[if !supportLists]--><span style="font-family: georgia;"><span style="color: #333333; font-size: 14pt;"><b>5.</b><span style="font-size: 7pt; font-stretch: normal; font-variant-east-asian: normal; font-variant-numeric: normal; line-height: normal;"><b> </b>
</span></span><!--[endif]--><span style="color: #333333; font-size: 14pt;">You pay short-term or
long-term capital gains on every transaction. Long-term capital gains in equity
mutual funds are taxable at 10% per annum, including cess and surcharge without
indexation on incomes above Rs 1,00,000 in a financial year. Short-term capital
gains are taxable at 15%, including cess and surcharge. Moreover, mutual fund
scheme owners have to pay tax only on redemption. The tax on Portfolio
Management Services is not as efficient.<o:p></o:p></span></span></p>
<p class="MsoNormal" style="line-height: 23.4pt; margin-left: 36pt; mso-list: l0 level1 lfo1; mso-margin-bottom-alt: auto; mso-margin-top-alt: auto; tab-stops: list 36.0pt; text-align: justify; text-indent: -18pt;"><!--[if !supportLists]--><span style="font-family: georgia;"><span style="color: #333333; font-size: 14pt;"><b>6.</b><span style="font-size: 7pt; font-stretch: normal; font-variant-east-asian: normal; font-variant-numeric: normal; line-height: normal;"><b> </b>
</span></span><!--[endif]--><span style="color: #333333; font-size: 14pt;">The investing process
in mutual funds is easy. The investment process for Portfolio Management
Service is more tiresome considering the higher value of transactions.<o:p></o:p></span></span></p>
<p class="MsoNormal" style="line-height: 23.4pt; margin-left: 36pt; mso-list: l0 level1 lfo1; mso-margin-bottom-alt: auto; mso-margin-top-alt: auto; tab-stops: list 36.0pt; text-align: justify; text-indent: -18pt;"><!--[if !supportLists]--><span style="font-family: georgia;"><span style="color: #333333; font-size: 14pt;"><b>7.</b><span style="font-size: 7pt; font-stretch: normal; font-variant-east-asian: normal; font-variant-numeric: normal; line-height: normal;">
</span></span><!--[endif]--><span style="color: #333333; font-size: 14pt;">PMS must make timely
disclosures to the client for transparency, as these are not freely available
to the public. Moreover, it is not easy to assess and compare the performance
of different PMS products. But in the case of Mutual Funds, they are strictly
regulated, and all the information is public. You can easily compare
performances.<o:p></o:p></span></span></p>
<p class="MsoNormal" style="line-height: 23.4pt; margin-left: 36pt; mso-list: l0 level1 lfo1; mso-margin-bottom-alt: auto; mso-margin-top-alt: auto; tab-stops: list 36.0pt; text-align: justify; text-indent: -18pt;"><!--[if !supportLists]--><span style="font-family: georgia;"><span style="color: #333333; font-size: 14pt;"><b>8.</b><span style="font-size: 7pt; font-stretch: normal; font-variant-east-asian: normal; font-variant-numeric: normal; line-height: normal;">
</span></span><!--[endif]--><span style="color: #333333; font-size: 14pt;">A PMS can focus on
performance and make investment decisions to maximize absolute returns. They can focus more on returns than MFs that have to
take care of diversification rules, valuation guidelines, and
redemption-related regulations.<o:p></o:p></span></span></p>
<p class="MsoNormal" style="line-height: 23.4pt; margin-bottom: 9.35pt; text-align: justify;"><span style="color: #333333; font-size: 14pt;"><span style="font-family: georgia;">By comparing mutual
funds and PMS, you can make investment decisions according to your financial
objectives and ability to take risks.<o:p></o:p></span></span></p>
<p class="MsoNormal" style="line-height: 23.4pt; margin-bottom: 9.35pt; text-align: justify;"><span style="color: #333333; font-size: 14pt;"><span style="font-family: georgia;">This blog is purely
for educational purposes and not to be treated as personal advice. Mutual fund
investments are subject to market risks, read all scheme-related documents
carefully.<o:p></o:p></span></span></p>
<p class="MsoNormal" style="line-height: 23.4pt; margin-bottom: 9.35pt; text-align: justify;"><span style="color: #333333; font-size: 14pt;"><span style="font-family: georgia;"> </span></span></p><div class="separator" style="clear: both; text-align: center;"><span style="font-family: georgia; margin-left: 1em; margin-right: 1em;"><img alt="" data-original-height="273" data-original-width="270" height="281" src="https://blogger.googleusercontent.com/img/a/AVvXsEjKXkR1hGxmmywlpV59LSb6bCF30ZBNLSS0MCyDz1n5mkSph49g-vP4tgj5VF55qM-Qqjf4yxUZN0Cr7yufUM94CTNwlmjlCUrNjF3RGOpgMVqTjgOw7QRR2nP94YoBxZiEyqQGsbstqvvLG1yCvS_xy_qrueUCPTv5IPKLcXsOn2HR1d0am2gGOSKG=w278-h281" width="278" /></span></div><span style="font-family: georgia;"><br /><o:p></o:p></span><p></p>
<h2 style="line-height: normal; margin-bottom: 0.0001pt; text-align: left;"><span style="font-family: georgia;"><span style="color: #333333; font-size: 14pt;"> </span><span style="font-size: 21.3333px;"><span style="color: #202124;"> </span></span></span><span style="font-family: georgia; font-size: 21.3333px;"><span style="color: #202124;"> </span></span><b style="font-family: georgia;"><span style="font-size: large;">AMFI Registered Mutual Fund Distributor </span></b></h2><span style="font-family: georgia;"><h2 style="font-family: "Times New Roman"; line-height: normal; margin-bottom: 0.0001pt;"><span style="font-size: medium;"><b><span><span style="font-family: georgia;"> </span></span><span style="font-family: helvetica;"><span lang="HI">6306522855</span><span> <br /></span></span></b></span><span style="font-family: georgia; font-size: medium;"><span> <b>Burlington, Lucknow, </b></span><b><span lang="HI">226001</span><span> <br /></span><span><o:p></o:p></span></b></span><span style="font-family: georgia; font-size: medium;"><b><span> customercare@vsix.co.in || www.vsix.co.in<br /></span></b></span><span style="font-family: georgia; font-size: medium;"><b><span> </span><span> </span></b></span></h2>
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<p class="MsoNormal" style="line-height: 23.4pt; margin-bottom: 9.35pt; text-align: justify;"><span style="color: #333333; font-size: 14pt;"><span style="font-family: georgia;"> </span></span></p>
<p align="center" class="MsoNormal" style="background: rgb(221, 221, 221); line-height: 16.85pt; margin-bottom: 0cm; text-align: center;"><span style="color: #333333;"><span style="font-family: georgia;"><br />
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<p align="center" class="MsoNormal" style="background: rgb(221, 221, 221); line-height: 16.85pt; margin-bottom: 0cm; text-align: center;"><br /></p>V6 ARTHGYAN LLPhttp://www.blogger.com/profile/18128509813979049058noreply@blogger.com0tag:blogger.com,1999:blog-4746449159280106368.post-83561490555826117612022-10-30T23:32:00.002-07:002022-10-30T23:32:39.780-07:00विभिन्न प्रकार के डेट म्यूचुअल फंड<p><span style="font-family: inherit; font-size: x-large;"> <b><span lang="HI" style="color: #202124;">विभिन्न</span></b><b><span lang="HI" style="color: #202124;"> </span></b><b><span lang="HI" style="color: #202124;">प्रकार</span></b><b><span lang="HI" style="color: #202124;"> </span></b><b><span lang="HI" style="color: #202124;">के</span></b><b><span lang="HI" style="color: #202124;"> </span></b><b><span lang="HI" style="color: #202124;">डेट</span></b><b><span lang="HI" style="color: #202124;"> </span></b><b><span lang="HI" style="color: #202124;">म्यूचुअल</span></b><b><span lang="HI" style="color: #202124;"> </span></b><b><span lang="HI" style="color: #202124;">फंड</span></b></span></p><p><b><span style="font-family: inherit; font-size: x-large;"><span lang="HI" style="color: #202124;"></span></span></b></p><div class="separator" style="clear: both; text-align: center;"><b><a href="https://blogger.googleusercontent.com/img/a/AVvXsEj8ES0TmF04NtF2t9EVRCcx9lhBP0fmQDj7APXOtpaNhgForjjYvR6o2FkUzF78AyNZRKLUmyqHFa2BnL1OWFS3YduwIeq1hwgu_-Wrz0jM10xysEmmaJ0iQgKsl6DPQwCEG-Rlo-Ru-QcLbhWCAb9kpF6xK8kxWzPpYphXUuEbaClHQdGbK78d-9JY" style="margin-left: 1em; margin-right: 1em;"><span style="font-family: inherit;"><img alt="" data-original-height="333" data-original-width="307" height="429" src="https://blogger.googleusercontent.com/img/a/AVvXsEj8ES0TmF04NtF2t9EVRCcx9lhBP0fmQDj7APXOtpaNhgForjjYvR6o2FkUzF78AyNZRKLUmyqHFa2BnL1OWFS3YduwIeq1hwgu_-Wrz0jM10xysEmmaJ0iQgKsl6DPQwCEG-Rlo-Ru-QcLbhWCAb9kpF6xK8kxWzPpYphXUuEbaClHQdGbK78d-9JY=w403-h429" width="403" /></span></a></b></div><b><span style="font-family: inherit;"><br /></span></b><p></p><pre><span style="font-family: inherit; font-size: large;"><span class="y2iqfc"><b><span lang="HI" style="color: #202124;">विभिन्न</span></b></span><span class="y2iqfc"><b><span lang="HI" style="color: #202124;"> </span></b></span><span class="y2iqfc"><b><span lang="HI" style="color: #202124;">प्रकार</span></b></span><span class="y2iqfc"><b><span lang="HI" style="color: #202124;"> </span></b></span><span class="y2iqfc"><b><span lang="HI" style="color: #202124;">के</span></b></span><span class="y2iqfc"><b><span lang="HI" style="color: #202124;"> </span></b></span><span class="y2iqfc"><b><span lang="HI" style="color: #202124;">डेट</span></b></span><span class="y2iqfc"><b><span lang="HI" style="color: #202124;"> </span></b></span><span class="y2iqfc"><b><span lang="HI" style="color: #202124;">म्यूचुअल</span></b></span><span class="y2iqfc"><b><span lang="HI" style="color: #202124;"> </span></b></span><span class="y2iqfc"><b><span lang="HI" style="color: #202124;">फंड</span></b></span><span class="y2iqfc"><b><span lang="HI" style="color: #202124;"> </span></b></span><span class="y2iqfc"><b><span lang="HI" style="color: #202124;">पर</span></b></span><span class="y2iqfc"><b><span lang="HI" style="color: #202124;"> </span></b></span><span class="y2iqfc"><b><span lang="HI" style="color: #202124;">एक</span></b></span><span class="y2iqfc"><b><span lang="HI" style="color: #202124;"> </span></b></span><span class="y2iqfc"><b><span lang="HI" style="color: #202124;">प्राइमर</span></b></span><span class="y2iqfc"><b><span style="color: #202124;"><o:p></o:p></span></b></span></span></pre><pre><span style="font-family: inherit;"><span class="y2iqfc"><span lang="HI" style="color: #202124; font-size: 16pt;">क्या</span></span><span class="y2iqfc"><span lang="HI" style="color: #202124; font-size: 16pt;"> </span></span><span class="y2iqfc"><span lang="HI" style="color: #202124; font-size: 16pt;">आप</span></span><span class="y2iqfc"><span lang="HI" style="color: #202124; font-size: 16pt;"> </span></span><span class="y2iqfc"><span lang="HI" style="color: #202124; font-size: 16pt;">म्यूचुअल</span></span><span class="y2iqfc"><span lang="HI" style="color: #202124; font-size: 16pt;"> </span></span><span class="y2iqfc"><span lang="HI" style="color: #202124; font-size: 16pt;">फंड</span></span><span class="y2iqfc"><span lang="HI" style="color: #202124; font-size: 16pt;"> </span></span><span class="y2iqfc"><span lang="HI" style="color: #202124; font-size: 16pt;">में</span></span><span class="y2iqfc"><span lang="HI" style="color: #202124; font-size: 16pt;"> </span></span><span class="y2iqfc"><span lang="HI" style="color: #202124; font-size: 16pt;">निवेश</span></span><span class="y2iqfc"><span lang="HI" style="color: #202124; font-size: 16pt;"> </span></span><span class="y2iqfc"><span lang="HI" style="color: #202124; font-size: 16pt;">करने</span></span><span class="y2iqfc"><span lang="HI" style="color: #202124; font-size: 16pt;"> </span></span><span class="y2iqfc"><span lang="HI" style="color: #202124; font-size: 16pt;">से</span></span><span class="y2iqfc"><span lang="HI" style="color: #202124; font-size: 16pt;"> </span></span><span class="y2iqfc"><span lang="HI" style="color: #202124; font-size: 16pt;">डरते</span></span><span class="y2iqfc"><span lang="HI" style="color: #202124; font-size: 16pt;"> </span></span><span class="y2iqfc"><span lang="HI" style="color: #202124; font-size: 16pt;">हैं</span></span><span class="y2iqfc"><span lang="HI" style="color: #202124; font-size: 16pt;"> </span></span><span class="y2iqfc"><span lang="HI" style="color: #202124; font-size: 16pt;">क्योंकि</span></span><span class="y2iqfc"><span lang="HI" style="color: #202124; font-size: 16pt;"> </span></span><span class="y2iqfc"><span lang="HI" style="color: #202124; font-size: 16pt;">यह</span></span><span class="y2iqfc"><span lang="HI" style="color: #202124; font-size: 16pt;"> </span></span><span class="y2iqfc"><span lang="HI" style="color: #202124; font-size: 16pt;">इक्विटी</span></span><span class="y2iqfc"><span lang="HI" style="color: #202124; font-size: 16pt;"> </span></span><span class="y2iqfc"><span lang="HI" style="color: #202124; font-size: 16pt;">बाजारों</span></span><span class="y2iqfc"><span lang="HI" style="color: #202124; font-size: 16pt;"> </span></span><span class="y2iqfc"><span lang="HI" style="color: #202124; font-size: 16pt;">में </span></span><span lang="HI" style="color: #202124; font-size: 16pt;">निवेश</span><span class="y2iqfc"><span lang="HI" style="color: #202124; font-size: 16pt;"> </span></span><span class="y2iqfc"><span lang="HI" style="color: #202124; font-size: 16pt;">करता</span></span><span class="y2iqfc"><span lang="HI" style="color: #202124; font-size: 16pt;"> </span></span><span class="y2iqfc"><span lang="HI" style="color: #202124; font-size: 16pt;">है</span></span><span class="y2iqfc"><span style="color: #202124; font-size: 16pt;">? </span></span><span class="y2iqfc"><span lang="HI" style="color: #202124; font-size: 16pt;">हम</span></span><span class="y2iqfc"><span lang="HI" style="color: #202124; font-size: 16pt;"> </span></span><span class="y2iqfc"><span lang="HI" style="color: #202124; font-size: 16pt;">में</span></span><span class="y2iqfc"><span lang="HI" style="color: #202124; font-size: 16pt;"> </span></span><span class="y2iqfc"><span lang="HI" style="color: #202124; font-size: 16pt;">से</span></span><span class="y2iqfc"><span lang="HI" style="color: #202124; font-size: 16pt;"> </span></span></span></pre><pre><span style="font-family: inherit;"><span class="y2iqfc"><span lang="HI" style="color: #202124; font-size: 16pt;">ज्यादातर</span></span><span class="y2iqfc"><span lang="HI" style="color: #202124; font-size: 16pt;"> </span></span><span class="y2iqfc"><span lang="HI" style="color: #202124; font-size: 16pt;">लोग</span></span><span class="y2iqfc"><span lang="HI" style="color: #202124; font-size: 16pt;"> </span></span><span class="y2iqfc"><span lang="HI" style="color: #202124; font-size: 16pt;">मानते</span></span><span class="y2iqfc"><span lang="HI" style="color: #202124; font-size: 16pt;"> </span></span></span><span lang="HI" style="color: #202124; font-size: 16pt;">हैं</span><span class="y2iqfc" style="font-family: inherit;"><span lang="HI" style="color: #202124; font-size: 16pt;"> </span></span><span class="y2iqfc" style="font-family: inherit;"><span lang="HI" style="color: #202124; font-size: 16pt;">कि</span></span><span class="y2iqfc" style="font-family: inherit;"><span lang="HI" style="color: #202124; font-size: 16pt;"> </span></span><span lang="HI" style="color: #202124; font-family: inherit; font-size: 16pt;">म्यूचुअल</span><span class="y2iqfc" style="font-family: inherit;"><span lang="HI" style="color: #202124; font-size: 16pt;"> </span></span><span class="y2iqfc" style="font-family: inherit;"><span lang="HI" style="color: #202124; font-size: 16pt;">फंड</span></span><span class="y2iqfc" style="font-family: inherit;"><span lang="HI" style="color: #202124; font-size: 16pt;"> </span></span><span class="y2iqfc" style="font-family: inherit;"><span lang="HI" style="color: #202124; font-size: 16pt;">में</span></span><span class="y2iqfc" style="font-family: inherit;"><span lang="HI" style="color: #202124; font-size: 16pt;"> </span></span><span class="y2iqfc" style="font-family: inherit;"><span lang="HI" style="color: #202124; font-size: 16pt;">निवेश </span></span><span lang="HI" style="color: #202124; font-family: inherit; font-size: 16pt;">करना</span><span class="y2iqfc" style="font-family: inherit;"><span lang="HI" style="color: #202124; font-size: 16pt;"> </span></span><span class="y2iqfc" style="font-family: inherit;"><span lang="HI" style="color: #202124; font-size: 16pt;">शेयर</span></span><span class="y2iqfc" style="font-family: inherit;"><span lang="HI" style="color: #202124; font-size: 16pt;"> </span></span><span class="y2iqfc" style="font-family: inherit;"><span lang="HI" style="color: #202124; font-size: 16pt;">बाजार</span></span><span class="y2iqfc" style="font-family: inherit;"><span lang="HI" style="color: #202124; font-size: 16pt;"> </span></span><span class="y2iqfc" style="font-family: inherit;"><span lang="HI" style="color: #202124; font-size: 16pt;">में</span></span><span class="y2iqfc" style="font-family: inherit;"><span lang="HI" style="color: #202124; font-size: 16pt;"> </span></span><span class="y2iqfc" style="font-family: inherit;"><span lang="HI" style="color: #202124; font-size: 16pt;">निवेश</span></span><span class="y2iqfc" style="font-family: inherit;"><span lang="HI" style="color: #202124; font-size: 16pt;"> </span></span><span class="y2iqfc" style="font-family: inherit;"><span lang="HI" style="color: #202124; font-size: 16pt;">करने</span></span><span class="y2iqfc" style="font-family: inherit;"><span lang="HI" style="color: #202124; font-size: 16pt;"> </span></span><span class="y2iqfc" style="font-family: inherit;"><span lang="HI" style="color: #202124; font-size: 16pt;">जैसा</span></span><span class="y2iqfc" style="font-family: inherit;"><span lang="HI" style="color: #202124; font-size: 16pt;"> </span></span><span class="y2iqfc" style="font-family: inherit;"><span lang="HI" style="color: #202124; font-size: 16pt;">है।</span></span><span class="y2iqfc" style="font-family: inherit;"><span lang="HI" style="color: #202124; font-size: 16pt;"> </span></span><span class="y2iqfc" style="font-family: inherit;"><span lang="HI" style="color: #202124; font-size: 16pt;">हालांकि</span></span><span class="y2iqfc" style="font-family: inherit;"><span style="color: #202124; font-size: 16pt;">, </span></span><span class="y2iqfc" style="font-family: inherit;"><span lang="HI" style="color: #202124; font-size: 16pt;">यह</span></span><span class="y2iqfc" style="font-family: inherit;"><span lang="HI" style="color: #202124; font-size: 16pt;"> </span></span></pre><pre><span class="y2iqfc" style="font-family: inherit;"><span lang="HI" style="color: #202124; font-size: 16pt;">मामला</span></span><span class="y2iqfc" style="font-family: inherit;"><span lang="HI" style="color: #202124; font-size: 16pt;"> </span></span><span class="y2iqfc" style="font-family: inherit;"><span lang="HI" style="color: #202124; font-size: 16pt;">नहीं</span></span><span class="y2iqfc" style="font-family: inherit;"><span lang="HI" style="color: #202124; font-size: 16pt;"> </span></span><span class="y2iqfc" style="font-family: inherit;"><span lang="HI" style="color: #202124; font-size: 16pt;">है।</span></span><span class="y2iqfc" style="font-family: inherit;"><span lang="HI" style="color: #202124; font-size: 16pt;"> </span></span><span lang="HI" style="color: #202124; font-family: inherit; font-size: 16pt;"> </span><span lang="HI" style="color: #202124; font-family: inherit; font-size: 16pt;">ऐसे</span><span class="y2iqfc" style="font-family: inherit;"><span lang="HI" style="color: #202124; font-size: 16pt;"> </span></span><span class="y2iqfc" style="font-family: inherit;"><span lang="HI" style="color: #202124; font-size: 16pt;">म्यूचुअल</span></span><span class="y2iqfc" style="font-family: inherit;"><span lang="HI" style="color: #202124; font-size: 16pt;"> </span></span><span class="y2iqfc" style="font-family: inherit;"><span lang="HI" style="color: #202124; font-size: 16pt;">फंड</span></span><span class="y2iqfc" style="font-family: inherit;"><span lang="HI" style="color: #202124; font-size: 16pt;"> </span></span><span class="y2iqfc" style="font-family: inherit;"><span lang="HI" style="color: #202124; font-size: 16pt;">हैं</span></span><span class="y2iqfc" style="font-family: inherit;"><span lang="HI" style="color: #202124; font-size: 16pt;"> </span></span><span class="y2iqfc" style="font-family: inherit;"><span lang="HI" style="color: #202124; font-size: 16pt;">जो</span></span><span class="y2iqfc" style="font-family: inherit;"><span lang="HI" style="color: #202124; font-size: 16pt;"> </span></span><span lang="HI" style="color: #202124; font-size: 16pt;">इक्विटी</span><span class="y2iqfc" style="font-family: inherit;"><span lang="HI" style="color: #202124; font-size: 16pt;"> </span></span><span class="y2iqfc" style="font-family: inherit;"><span lang="HI" style="color: #202124; font-size: 16pt;">में</span></span><span class="y2iqfc" style="font-family: inherit;"><span lang="HI" style="color: #202124; font-size: 16pt;"> </span></span><span class="y2iqfc" style="font-family: inherit;"><span lang="HI" style="color: #202124; font-size: 16pt;">निवेश</span></span><span class="y2iqfc" style="font-family: inherit;"><span lang="HI" style="color: #202124; font-size: 16pt;"> </span></span><span class="y2iqfc" style="font-family: inherit;"><span lang="HI" style="color: #202124; font-size: 16pt;">नहीं</span></span><span class="y2iqfc" style="font-family: inherit;"><span lang="HI" style="color: #202124; font-size: 16pt;"> </span></span><span class="y2iqfc" style="font-family: inherit;"><span lang="HI" style="color: #202124; font-size: 16pt;">करते</span></span><span class="y2iqfc" style="font-family: inherit;"><span lang="HI" style="color: #202124; font-size: 16pt;"> </span></span><span class="y2iqfc" style="font-family: inherit;"><span lang="HI" style="color: #202124; font-size: 16pt;">हैं।</span></span><span class="y2iqfc" style="font-family: inherit;"><span lang="HI" style="color: #202124; font-size: 16pt;"> </span></span><span class="y2iqfc" style="font-family: inherit;"><span lang="HI" style="color: #202124; font-size: 16pt;">डेट</span></span><span class="y2iqfc" style="font-family: inherit;"><span lang="HI" style="color: #202124; font-size: 16pt;"> </span></span><span class="y2iqfc" style="font-family: inherit;"><span lang="HI" style="color: #202124; font-size: 16pt;">म्यूचुअल</span></span><span class="y2iqfc" style="font-family: inherit;"><span lang="HI" style="color: #202124; font-size: 16pt;"> </span></span><span class="y2iqfc" style="font-family: inherit;"><span lang="HI" style="color: #202124; font-size: 16pt;">फंड</span></span><span class="y2iqfc" style="font-family: inherit;"><span style="color: #202124; font-size: 16pt;">, </span></span><span lang="HI" style="color: #202124; font-family: inherit; font-size: 16pt;">म्यूचुअल</span><span class="y2iqfc" style="font-family: inherit;"><span lang="HI" style="color: #202124; font-size: 16pt;"> </span></span><span class="y2iqfc" style="font-family: inherit;"><span lang="HI" style="color: #202124; font-size: 16pt;">फंड</span></span><span class="y2iqfc" style="font-family: inherit;"><span lang="HI" style="color: #202124; font-size: 16pt;"> </span></span></pre><pre><span class="y2iqfc" style="font-family: inherit;"><span lang="HI" style="color: #202124; font-size: 16pt;">की</span></span><span class="y2iqfc" style="font-family: inherit;"><span lang="HI" style="color: #202124; font-size: 16pt;"> </span></span><span class="y2iqfc" style="font-family: inherit;"><span lang="HI" style="color: #202124; font-size: 16pt;">एक</span></span><span class="y2iqfc" style="font-family: inherit;"><span lang="HI" style="color: #202124; font-size: 16pt;"> </span></span><span class="y2iqfc" style="font-family: inherit;"><span lang="HI" style="color: #202124; font-size: 16pt;">श्रेणी</span></span><span class="y2iqfc" style="font-family: inherit;"><span lang="HI" style="color: #202124; font-size: 16pt;"> </span></span><span class="y2iqfc" style="font-family: inherit;"><span lang="HI" style="color: #202124; font-size: 16pt;">है</span></span><span class="y2iqfc" style="font-family: inherit;"><span style="color: #202124; font-size: 16pt;">, </span></span><span class="y2iqfc" style="font-family: inherit;"><span lang="HI" style="color: #202124; font-size: 16pt;">जो</span></span><span class="y2iqfc" style="font-family: inherit;"><span lang="HI" style="color: #202124; font-size: 16pt;"> </span></span><span class="y2iqfc" style="font-family: inherit;"><span lang="HI" style="color: #202124; font-size: 16pt;">सरकार</span></span><span class="y2iqfc" style="font-family: inherit;"><span lang="HI" style="color: #202124; font-size: 16pt;"> </span></span><span class="y2iqfc" style="font-family: inherit;"><span lang="HI" style="color: #202124; font-size: 16pt;">और</span></span><span class="y2iqfc" style="font-family: inherit;"><span lang="HI" style="color: #202124; font-size: 16pt;"> </span></span><span class="y2iqfc" style="font-family: inherit;"><span lang="HI" style="color: #202124; font-size: 16pt;">विभिन्न</span></span><span class="y2iqfc" style="font-family: inherit;"><span lang="HI" style="color: #202124; font-size: 16pt;"> </span></span><span class="y2iqfc" style="font-family: inherit;"><span lang="HI" style="color: #202124; font-size: 16pt;">कंपनियों</span></span><span class="y2iqfc" style="font-family: inherit;"><span lang="HI" style="color: #202124; font-size: 16pt;"> </span></span><span class="y2iqfc" style="font-family: inherit;"><span lang="HI" style="color: #202124; font-size: 16pt;">द्वारा</span></span><span class="y2iqfc" style="font-family: inherit;"><span lang="HI" style="color: #202124; font-size: 16pt;"> </span></span><span class="y2iqfc" style="font-family: inherit;"><span lang="HI" style="color: #202124; font-size: 16pt;">जारी</span></span><span class="y2iqfc" style="font-family: inherit;"><span lang="HI" style="color: #202124; font-size: 16pt;"> </span></span><span class="y2iqfc" style="font-family: inherit;"><span lang="HI" style="color: #202124; font-size: 16pt;">डेट </span></span><span lang="HI" style="color: #202124; font-size: 16pt;">सिक्योरिटीज</span><span class="y2iqfc" style="font-family: inherit;"><span lang="HI" style="color: #202124; font-size: 16pt;"> </span></span><span class="y2iqfc" style="font-family: inherit;"><span lang="HI" style="color: #202124; font-size: 16pt;">में</span></span><span class="y2iqfc" style="font-family: inherit;"><span lang="HI" style="color: #202124; font-size: 16pt;"> </span></span><span class="y2iqfc" style="font-family: inherit;"><span lang="HI" style="color: #202124; font-size: 16pt;">निवेश</span></span><span class="y2iqfc" style="font-family: inherit;"><span lang="HI" style="color: #202124; font-size: 16pt;"> </span></span><span class="y2iqfc" style="font-family: inherit;"><span lang="HI" style="color: #202124; font-size: 16pt;">करती</span></span><span class="y2iqfc" style="font-family: inherit;"><span lang="HI" style="color: #202124; font-size: 16pt;"> </span></span><span class="y2iqfc" style="font-family: inherit;"><span lang="HI" style="color: #202124; font-size: 16pt;">है।</span></span></pre><pre><span style="font-family: inherit;"><span lang="HI" style="color: #202124; font-size: 16pt;">ऋण</span><span class="y2iqfc"><span lang="HI" style="color: #202124; font-size: 16pt;"> </span></span><span class="y2iqfc"><span lang="HI" style="color: #202124; font-size: 16pt;">एक</span></span><span class="y2iqfc"><span lang="HI" style="color: #202124; font-size: 16pt;"> </span></span><span class="y2iqfc"><span lang="HI" style="color: #202124; font-size: 16pt;">परिसंपत्ति</span></span><span class="y2iqfc"><span lang="HI" style="color: #202124; font-size: 16pt;"> </span></span><span class="y2iqfc"><span lang="HI" style="color: #202124; font-size: 16pt;">वर्ग</span></span><span class="y2iqfc"><span lang="HI" style="color: #202124; font-size: 16pt;"> </span></span><span class="y2iqfc"><span lang="HI" style="color: #202124; font-size: 16pt;">है</span></span><span class="y2iqfc"><span lang="HI" style="color: #202124; font-size: 16pt;"> </span></span><span class="y2iqfc"><span lang="HI" style="color: #202124; font-size: 16pt;">जो</span></span><span class="y2iqfc"><span lang="HI" style="color: #202124; font-size: 16pt;"> </span></span><span class="y2iqfc"><span lang="HI" style="color: #202124; font-size: 16pt;">इक्विटी</span></span><span class="y2iqfc"><span lang="HI" style="color: #202124; font-size: 16pt;"> </span></span><span class="y2iqfc"><span lang="HI" style="color: #202124; font-size: 16pt;">की</span></span><span class="y2iqfc"><span lang="HI" style="color: #202124; font-size: 16pt;"> </span></span><span class="y2iqfc"><span lang="HI" style="color: #202124; font-size: 16pt;">तुलना</span></span><span class="y2iqfc"><span lang="HI" style="color: #202124; font-size: 16pt;"> </span></span><span class="y2iqfc"><span lang="HI" style="color: #202124; font-size: 16pt;">में</span></span><span class="y2iqfc"><span lang="HI" style="color: #202124; font-size: 16pt;"> </span></span><span class="y2iqfc"><span lang="HI" style="color: #202124; font-size: 16pt;">कम</span></span><span class="y2iqfc"><span lang="HI" style="color: #202124; font-size: 16pt;"> </span></span><span class="y2iqfc"><span lang="HI" style="color: #202124; font-size: 16pt;">अस्थिर</span></span><span class="y2iqfc"><span lang="HI" style="color: #202124; font-size: 16pt;"> </span></span><span class="y2iqfc"><span lang="HI" style="color: #202124; font-size: 16pt;">होता</span></span><span class="y2iqfc"><span lang="HI" style="color: #202124; font-size: 16pt;"> </span></span><span class="y2iqfc"><span lang="HI" style="color: #202124; font-size: 16pt;">है।</span></span><span class="y2iqfc"><span lang="HI" style="color: #202124; font-size: 16pt;"> </span></span><span lang="HI" style="color: #202124; font-size: 16pt;">सरकारी</span><span class="y2iqfc"><span lang="HI" style="color: #202124; font-size: 16pt;"> </span></span><span class="y2iqfc"><span lang="HI" style="color: #202124; font-size: 16pt;">बांड</span></span><span class="y2iqfc"><span style="color: #202124; font-size: 16pt;">, </span></span><span class="y2iqfc"><span lang="HI" style="color: #202124; font-size: 16pt;">राज्य</span></span><span class="y2iqfc"><span lang="HI" style="color: #202124; font-size: 16pt;"> </span></span><span class="y2iqfc"><span lang="HI" style="color: #202124; font-size: 16pt;">विकास</span></span><span class="y2iqfc"><span lang="HI" style="color: #202124; font-size: 16pt;"> </span></span></span></pre><pre><span style="font-family: inherit;"><span class="y2iqfc"><span lang="HI" style="color: #202124; font-size: 16pt;">ऋण</span></span><span class="y2iqfc"><span style="color: #202124; font-size: 16pt;">, </span></span><span class="y2iqfc"><span lang="HI" style="color: #202124; font-size: 16pt;">ट्रेजरी</span></span><span class="y2iqfc"><span lang="HI" style="color: #202124; font-size: 16pt;"> </span></span><span class="y2iqfc"><span lang="HI" style="color: #202124; font-size: 16pt;">बिल</span></span><span class="y2iqfc"><span style="color: #202124; font-size: 16pt;">, </span></span><span class="y2iqfc"><span lang="HI" style="color: #202124; font-size: 16pt;">कॉरपोरेट</span></span><span class="y2iqfc"><span lang="HI" style="color: #202124; font-size: 16pt;"> </span></span><span class="y2iqfc"><span lang="HI" style="color: #202124; font-size: 16pt;">बॉन्ड</span></span></span><span lang="HI" style="color: #202124; font-size: 16pt;">कुछ</span><span class="y2iqfc" style="font-family: inherit;"><span lang="HI" style="color: #202124; font-size: 16pt;"> </span></span><span class="y2iqfc" style="font-family: inherit;"><span lang="HI" style="color: #202124; font-size: 16pt;">प्रकार</span></span><span class="y2iqfc" style="font-family: inherit;"><span lang="HI" style="color: #202124; font-size: 16pt;"> </span></span><span class="y2iqfc" style="font-family: inherit;"><span lang="HI" style="color: #202124; font-size: 16pt;">के</span></span><span class="y2iqfc" style="font-family: inherit;"><span lang="HI" style="color: #202124; font-size: 16pt;"> </span></span><span lang="HI" style="color: #202124; font-family: inherit; font-size: 16pt;">ऋण</span><span class="y2iqfc" style="font-family: inherit;"><span lang="HI" style="color: #202124; font-size: 16pt;"> </span></span><span class="y2iqfc" style="font-family: inherit;"><span lang="HI" style="color: #202124; font-size: 16pt;">साधन</span></span><span class="y2iqfc" style="font-family: inherit;"><span lang="HI" style="color: #202124; font-size: 16pt;"> </span></span><span class="y2iqfc" style="font-family: inherit;"><span lang="HI" style="color: #202124; font-size: 16pt;">हैं।</span></span><span lang="HI" style="color: #202124; font-family: inherit; font-size: 16pt;">ये</span><span class="y2iqfc" style="font-family: inherit;"><span lang="HI" style="color: #202124; font-size: 16pt;"> </span></span><span class="y2iqfc" style="font-family: inherit;"><span lang="HI" style="color: #202124; font-size: 16pt;">ऋण</span></span><span class="y2iqfc" style="font-family: inherit;"><span lang="HI" style="color: #202124; font-size: 16pt;"> </span></span><span class="y2iqfc" style="font-family: inherit;"><span lang="HI" style="color: #202124; font-size: 16pt;">साधन</span></span><span class="y2iqfc" style="font-family: inherit;"><span lang="HI" style="color: #202124; font-size: 16pt;"> </span></span><span class="y2iqfc" style="font-family: inherit;"><span lang="HI" style="color: #202124; font-size: 16pt;">विभिन्न</span></span><span class="y2iqfc" style="font-family: inherit;"><span lang="HI" style="color: #202124; font-size: 16pt;"> </span></span><span class="y2iqfc" style="font-family: inherit;"><span lang="HI" style="color: #202124; font-size: 16pt;">परिपक्वता</span></span><span class="y2iqfc" style="font-family: inherit;"><span lang="HI" style="color: #202124; font-size: 16pt;"> </span></span><span class="y2iqfc" style="font-family: inherit;"><span lang="HI" style="color: #202124; font-size: 16pt;">और</span></span><span class="y2iqfc" style="font-family: inherit;"><span lang="HI" style="color: #202124; font-size: 16pt;"> </span></span></pre><pre><span class="y2iqfc" style="font-family: inherit;"><span lang="HI" style="color: #202124; font-size: 16pt;">जोखिम</span></span><span class="y2iqfc" style="font-family: inherit;"><span lang="HI" style="color: #202124; font-size: 16pt;"> </span></span><span class="y2iqfc" style="font-family: inherit;"><span lang="HI" style="color: #202124; font-size: 16pt;">के</span></span><span class="y2iqfc" style="font-family: inherit;"><span lang="HI" style="color: #202124; font-size: 16pt;"> </span></span><span class="y2iqfc" style="font-family: inherit;"><span lang="HI" style="color: #202124; font-size: 16pt;">साथ</span></span><span class="y2iqfc" style="font-family: inherit;"><span lang="HI" style="color: #202124; font-size: 16pt;"> </span></span><span class="y2iqfc" style="font-family: inherit;"><span lang="HI" style="color: #202124; font-size: 16pt;">आते</span></span><span class="y2iqfc" style="font-family: inherit;"><span lang="HI" style="color: #202124; font-size: 16pt;"> </span></span><span class="y2iqfc" style="font-family: inherit;"><span lang="HI" style="color: #202124; font-size: 16pt;">हैं।</span></span>यहाँ<span class="y2iqfc" style="font-family: inherit;"><span lang="HI" style="color: #202124; font-size: 16pt;"> </span></span><span class="y2iqfc" style="font-family: inherit;"><span lang="HI" style="color: #202124; font-size: 16pt;">कुछ</span></span><span class="y2iqfc" style="font-family: inherit;"><span lang="HI" style="color: #202124; font-size: 16pt;"> </span></span><span class="y2iqfc" style="font-family: inherit;"><span lang="HI" style="color: #202124; font-size: 16pt;">मुख्य</span></span><span class="y2iqfc" style="font-family: inherit;"><span lang="HI" style="color: #202124; font-size: 16pt;"> </span></span><span class="y2iqfc" style="font-family: inherit;"><span lang="HI" style="color: #202124; font-size: 16pt;">प्रकार</span></span><span class="y2iqfc" style="font-family: inherit;"><span lang="HI" style="color: #202124; font-size: 16pt;"> </span></span><span class="y2iqfc" style="font-family: inherit;"><span lang="HI" style="color: #202124; font-size: 16pt;">के</span></span><span class="y2iqfc" style="font-family: inherit;"><span lang="HI" style="color: #202124; font-size: 16pt;"> </span></span><span class="y2iqfc" style="font-family: inherit;"><span lang="HI" style="color: #202124; font-size: 16pt;">डेट</span></span><span class="y2iqfc" style="font-family: inherit;"><span lang="HI" style="color: #202124; font-size: 16pt;"> </span></span><span class="y2iqfc" style="font-family: inherit;"><span lang="HI" style="color: #202124; font-size: 16pt;">फंड</span></span><span class="y2iqfc" style="font-family: inherit;"><span lang="HI" style="color: #202124; font-size: 16pt;"> </span></span><span class="y2iqfc" style="font-family: inherit;"><span lang="HI" style="color: #202124; font-size: 16pt;">दिए</span></span><span class="y2iqfc" style="font-family: inherit;"><span lang="HI" style="color: #202124; font-size: 16pt;"> </span></span><span class="y2iqfc" style="font-family: inherit;"><span lang="HI" style="color: #202124; font-size: 16pt;">गए</span></span><span class="y2iqfc" style="font-family: inherit;"><span lang="HI" style="color: #202124; font-size: 16pt;"> </span></span><span class="y2iqfc" style="font-family: inherit;"><span lang="HI" style="color: #202124; font-size: 16pt;">हैं</span></span><span class="y2iqfc" style="font-family: inherit;"><span lang="HI" style="color: #202124; font-size: 16pt;">:</span></span></pre><pre><span style="font-family: inherit; font-size: x-large;"><span class="y2iqfc"><b><span lang="HI" style="color: #202124;">लिक्विड</span></b></span><span class="y2iqfc"><b><span lang="HI" style="color: #202124;"> </span></b></span><span class="y2iqfc"><b><span lang="HI" style="color: #202124;">फंड</span></b></span><span class="y2iqfc"><b><span style="color: #202124;">:<o:p></o:p></span></b></span></span></pre><pre><span style="font-family: inherit;"><span class="y2iqfc"><span lang="HI" style="color: #202124; font-size: 16pt;">लिक्विड</span></span><span class="y2iqfc"><span lang="HI" style="color: #202124; font-size: 16pt;"> </span></span><span class="y2iqfc"><span lang="HI" style="color: #202124; font-size: 16pt;">फंड</span></span><span class="y2iqfc"><span lang="HI" style="color: #202124; font-size: 16pt;"> </span></span><span class="y2iqfc"><span lang="HI" style="color: #202124; font-size: 16pt;">विभिन्न</span></span><span class="y2iqfc"><span lang="HI" style="color: #202124; font-size: 16pt;"> </span></span><span class="y2iqfc"><span lang="HI" style="color: #202124; font-size: 16pt;">म्यूचुअल</span></span><span class="y2iqfc"><span lang="HI" style="color: #202124; font-size: 16pt;"> </span></span><span class="y2iqfc"><span lang="HI" style="color: #202124; font-size: 16pt;">फंड</span></span><span class="y2iqfc"><span lang="HI" style="color: #202124; font-size: 16pt;"> </span></span><span class="y2iqfc"><span lang="HI" style="color: #202124; font-size: 16pt;">श्रेणियों</span></span><span class="y2iqfc"><span lang="HI" style="color: #202124; font-size: 16pt;"> </span></span><span class="y2iqfc"><span lang="HI" style="color: #202124; font-size: 16pt;">में</span></span><span class="y2iqfc"><span lang="HI" style="color: #202124; font-size: 16pt;"> </span></span><span class="y2iqfc"><span lang="HI" style="color: #202124; font-size: 16pt;">सबसे</span></span><span class="y2iqfc"><span lang="HI" style="color: #202124; font-size: 16pt;"> </span></span><span class="y2iqfc"><span lang="HI" style="color: #202124; font-size: 16pt;">कम</span></span><span class="y2iqfc"><span lang="HI" style="color: #202124; font-size: 16pt;"> </span></span><span class="y2iqfc"><span lang="HI" style="color: #202124; font-size: 16pt;">जोखिम</span></span><span class="y2iqfc"><span lang="HI" style="color: #202124; font-size: 16pt;"> </span></span><span class="y2iqfc"><span lang="HI" style="color: #202124; font-size: 16pt;">वहन</span></span><span class="y2iqfc"><span lang="HI" style="color: #202124; font-size: 16pt;"> </span></span><span class="y2iqfc"><span lang="HI" style="color: #202124; font-size: 16pt;">करता</span></span><span class="y2iqfc"><span lang="HI" style="color: #202124; font-size: 16pt;"> </span></span><span class="y2iqfc"><span lang="HI" style="color: #202124; font-size: 16pt;">है।</span></span><span lang="HI" style="color: #202124; font-size: 16pt;">इसमें</span><span class="y2iqfc"><span lang="HI" style="color: #202124; font-size: 16pt;"> </span></span><span class="y2iqfc"><span lang="HI" style="color: #202124; font-size: 16pt;">सबसे</span></span><span class="y2iqfc"><span lang="HI" style="color: #202124; font-size: 16pt;"> </span></span><span class="y2iqfc"><span lang="HI" style="color: #202124; font-size: 16pt;">कम</span></span><span class="y2iqfc"><span lang="HI" style="color: #202124; font-size: 16pt;"> </span></span><span class="y2iqfc"><span lang="HI" style="color: #202124; font-size: 16pt;">जोखिम</span></span><span class="y2iqfc"><span lang="HI" style="color: #202124; font-size: 16pt;"> </span></span><span class="y2iqfc"><span lang="HI" style="color: #202124; font-size: 16pt;">है</span></span><span class="y2iqfc"><span lang="HI" style="color: #202124; font-size: 16pt;"> </span></span></span></pre><pre><span style="font-family: inherit;"><span class="y2iqfc"><span lang="HI" style="color: #202124; font-size: 16pt;">क्योंकि</span></span><span class="y2iqfc"><span lang="HI" style="color: #202124; font-size: 16pt;"> </span></span><span class="y2iqfc"><span lang="HI" style="color: #202124; font-size: 16pt;">यह</span></span><span class="y2iqfc"><span lang="HI" style="color: #202124; font-size: 16pt;"> </span></span><span class="y2iqfc"><span lang="HI" style="color: #202124; font-size: 16pt;">उच्च</span></span><span class="y2iqfc"><span lang="HI" style="color: #202124; font-size: 16pt;"> </span></span><span class="y2iqfc"><span lang="HI" style="color: #202124; font-size: 16pt;">गुणवत्ता</span></span><span class="y2iqfc"><span lang="HI" style="color: #202124; font-size: 16pt;"> </span></span><span class="y2iqfc"><span lang="HI" style="color: #202124; font-size: 16pt;">वाले</span></span><span class="y2iqfc"><span lang="HI" style="color: #202124; font-size: 16pt;"> </span></span></span><span lang="HI" style="color: #202124; font-size: 16pt;">ऋण</span><span class="y2iqfc" style="font-family: inherit;"><span lang="HI" style="color: #202124; font-size: 16pt;"> </span></span><span class="y2iqfc" style="font-family: inherit;"><span lang="HI" style="color: #202124; font-size: 16pt;">पत्रों</span></span><span class="y2iqfc" style="font-family: inherit;"><span lang="HI" style="color: #202124; font-size: 16pt;"> </span></span><span class="y2iqfc" style="font-family: inherit;"><span lang="HI" style="color: #202124; font-size: 16pt;">में</span></span><span class="y2iqfc" style="font-family: inherit;"><span lang="HI" style="color: #202124; font-size: 16pt;"> </span></span><span class="y2iqfc" style="font-family: inherit;"><span lang="HI" style="color: #202124; font-size: 16pt;">निवेश</span></span><span class="y2iqfc" style="font-family: inherit;"><span lang="HI" style="color: #202124; font-size: 16pt;"> </span></span><span class="y2iqfc" style="font-family: inherit;"><span lang="HI" style="color: #202124; font-size: 16pt;">करता</span></span><span class="y2iqfc" style="font-family: inherit;"><span lang="HI" style="color: #202124; font-size: 16pt;"> </span></span><span class="y2iqfc" style="font-family: inherit;"><span lang="HI" style="color: #202124; font-size: 16pt;">है</span></span><span class="y2iqfc" style="font-family: inherit;"><span lang="HI" style="color: #202124; font-size: 16pt;"> </span></span><span lang="HI" style="color: #202124; font-family: inherit; font-size: 16pt;">जो</span><span class="y2iqfc" style="font-family: inherit;"><span lang="HI" style="color: #202124; font-size: 16pt;"> 91 </span></span><span class="y2iqfc" style="font-family: inherit;"><span lang="HI" style="color: #202124; font-size: 16pt;">दिनों</span></span><span class="y2iqfc" style="font-family: inherit;"><span lang="HI" style="color: #202124; font-size: 16pt;"> </span></span><span class="y2iqfc" style="font-family: inherit;"><span lang="HI" style="color: #202124; font-size: 16pt;">के</span></span><span class="y2iqfc" style="font-family: inherit;"><span lang="HI" style="color: #202124; font-size: 16pt;"> </span></span><span class="y2iqfc" style="font-family: inherit;"><span lang="HI" style="color: #202124; font-size: 16pt;">भीतर</span></span><span class="y2iqfc" style="font-family: inherit;"><span lang="HI" style="color: #202124; font-size: 16pt;"> </span></span><span class="y2iqfc" style="font-family: inherit;"><span lang="HI" style="color: #202124; font-size: 16pt;">परिपक्व</span></span><span class="y2iqfc" style="font-family: inherit;"><span lang="HI" style="color: #202124; font-size: 16pt;"> </span></span><span class="y2iqfc" style="font-family: inherit;"><span lang="HI" style="color: #202124; font-size: 16pt;">हो</span></span><span class="y2iqfc" style="font-family: inherit;"><span lang="HI" style="color: #202124; font-size: 16pt;"> </span></span><span class="y2iqfc" style="font-family: inherit;"><span lang="HI" style="color: #202124; font-size: 16pt;">जाते</span></span><span class="y2iqfc" style="font-family: inherit;"><span lang="HI" style="color: #202124; font-size: 16pt;"> </span></span><span class="y2iqfc" style="font-family: inherit;"><span lang="HI" style="color: #202124; font-size: 16pt;">हैं।</span></span><span lang="HI" style="color: #202124; font-family: inherit; font-size: 16pt;">लिक्विड </span></pre><pre><span lang="HI" style="color: #202124; font-size: 16pt;">फंड</span><span class="y2iqfc" style="font-family: inherit;"><span lang="HI" style="color: #202124; font-size: 16pt;"> </span></span><span class="y2iqfc" style="font-family: inherit;"><span lang="HI" style="color: #202124; font-size: 16pt;">का</span></span><span class="y2iqfc" style="font-family: inherit;"><span lang="HI" style="color: #202124; font-size: 16pt;"> </span></span><span class="y2iqfc" style="font-family: inherit;"><span lang="HI" style="color: #202124; font-size: 16pt;">मुख्य</span></span><span class="y2iqfc" style="font-family: inherit;"><span lang="HI" style="color: #202124; font-size: 16pt;"> </span></span><span class="y2iqfc" style="font-family: inherit;"><span lang="HI" style="color: #202124; font-size: 16pt;">उद्देश्य</span></span><span class="y2iqfc" style="font-family: inherit;"><span lang="HI" style="color: #202124; font-size: 16pt;"> </span></span><span class="y2iqfc" style="font-family: inherit;"><span lang="HI" style="color: #202124; font-size: 16pt;">तरलता</span></span><span class="y2iqfc" style="font-family: inherit;"><span lang="HI" style="color: #202124; font-size: 16pt;"> </span></span><span class="y2iqfc" style="font-family: inherit;"><span lang="HI" style="color: #202124; font-size: 16pt;">प्रदान</span></span><span class="y2iqfc" style="font-family: inherit;"><span lang="HI" style="color: #202124; font-size: 16pt;"> </span></span><span class="y2iqfc" style="font-family: inherit;"><span lang="HI" style="color: #202124; font-size: 16pt;">करना</span></span><span class="y2iqfc" style="font-family: inherit;"><span lang="HI" style="color: #202124; font-size: 16pt;"> </span></span><span class="y2iqfc" style="font-family: inherit;"><span lang="HI" style="color: #202124; font-size: 16pt;">है।</span></span><span class="y2iqfc" style="font-family: inherit;"><span lang="HI" style="color: #202124; font-size: 16pt;"> </span></span><span class="y2iqfc" style="font-family: inherit;"><span lang="HI" style="color: #202124; font-size: 16pt;">यह</span></span><span class="y2iqfc" style="font-family: inherit;"><span lang="HI" style="color: #202124; font-size: 16pt;"> </span></span><span class="y2iqfc" style="font-family: inherit;"><span lang="HI" style="color: #202124; font-size: 16pt;">निवेशकों</span></span><span class="y2iqfc" style="font-family: inherit;"><span lang="HI" style="color: #202124; font-size: 16pt;"> </span></span><span lang="HI" style="color: #202124; font-size: 16pt;">को</span><span class="y2iqfc" style="font-family: inherit;"><span lang="HI" style="color: #202124; font-size: 16pt;"> </span></span><span class="y2iqfc" style="font-family: inherit;"><span lang="HI" style="color: #202124; font-size: 16pt;">निश्चित</span></span><span class="y2iqfc" style="font-family: inherit;"><span lang="HI" style="color: #202124; font-size: 16pt;"> </span></span><span lang="HI" style="color: #202124; font-family: inherit; font-size: 16pt;">अवधि</span><span class="y2iqfc" style="font-family: inherit;"><span lang="HI" style="color: #202124; font-size: 16pt;"> </span></span><span class="y2iqfc" style="font-family: inherit;"><span lang="HI" style="color: #202124; font-size: 16pt;">के</span></span><span class="y2iqfc" style="font-family: inherit;"><span lang="HI" style="color: #202124; font-size: 16pt;"> </span></span><span class="y2iqfc" style="font-family: inherit;"><span lang="HI" style="color: #202124; font-size: 16pt;">लिए</span></span><span class="y2iqfc" style="font-family: inherit;"><span lang="HI" style="color: #202124; font-size: 16pt;"> </span></span><span class="y2iqfc" style="font-family: inherit;"><span lang="HI" style="color: #202124; font-size: 16pt;">अधिशेष</span></span><span class="y2iqfc" style="font-family: inherit;"><span lang="HI" style="color: #202124; font-size: 16pt;"> </span></span><span class="y2iqfc" style="font-family: inherit;"><span lang="HI" style="color: #202124; font-size: 16pt;">नकदी</span></span><span class="y2iqfc" style="font-family: inherit;"><span lang="HI" style="color: #202124; font-size: 16pt;"> </span></span></pre><pre><span class="y2iqfc" style="font-family: inherit;"><span lang="HI" style="color: #202124; font-size: 16pt;">पार्क</span></span><span class="y2iqfc" style="font-family: inherit;"><span lang="HI" style="color: #202124; font-size: 16pt;"> </span></span><span class="y2iqfc" style="font-family: inherit;"><span lang="HI" style="color: #202124; font-size: 16pt;">करने</span></span><span lang="HI" style="color: #202124; font-size: 16pt;">और</span><span class="y2iqfc" style="font-family: inherit;"><span lang="HI" style="color: #202124; font-size: 16pt;"> </span></span><span class="y2iqfc" style="font-family: inherit;"><span lang="HI" style="color: #202124; font-size: 16pt;">बचत</span></span><span class="y2iqfc" style="font-family: inherit;"><span lang="HI" style="color: #202124; font-size: 16pt;"> </span></span><span class="y2iqfc" style="font-family: inherit;"><span lang="HI" style="color: #202124; font-size: 16pt;">खाते</span></span><span class="y2iqfc" style="font-family: inherit;"><span lang="HI" style="color: #202124; font-size: 16pt;"> </span></span><span class="y2iqfc" style="font-family: inherit;"><span lang="HI" style="color: #202124; font-size: 16pt;">की</span></span><span class="y2iqfc" style="font-family: inherit;"><span lang="HI" style="color: #202124; font-size: 16pt;"> </span></span><span class="y2iqfc" style="font-family: inherit;"><span lang="HI" style="color: #202124; font-size: 16pt;">तुलना</span></span><span class="y2iqfc" style="font-family: inherit;"><span lang="HI" style="color: #202124; font-size: 16pt;"> </span></span><span class="y2iqfc" style="font-family: inherit;"><span lang="HI" style="color: #202124; font-size: 16pt;">में</span></span><span class="y2iqfc" style="font-family: inherit;"><span lang="HI" style="color: #202124; font-size: 16pt;"> </span></span><span class="y2iqfc" style="font-family: inherit;"><span lang="HI" style="color: #202124; font-size: 16pt;">बेहतर</span></span><span class="y2iqfc" style="font-family: inherit;"><span lang="HI" style="color: #202124; font-size: 16pt;"> </span></span><span class="y2iqfc" style="font-family: inherit;"><span lang="HI" style="color: #202124; font-size: 16pt;">रिटर्न</span></span><span lang="HI" style="color: #202124; font-family: inherit; font-size: 16pt;"> </span><span class="y2iqfc" style="font-family: inherit;"><span lang="HI" style="color: #202124; font-size: 16pt;">प्राप्त</span></span><span class="y2iqfc" style="font-family: inherit;"><span lang="HI" style="color: #202124; font-size: 16pt;"> </span></span><span class="y2iqfc" style="font-family: inherit;"><span lang="HI" style="color: #202124; font-size: 16pt;">करने</span></span><span class="y2iqfc" style="font-family: inherit;"><span lang="HI" style="color: #202124; font-size: 16pt;"> </span></span><span class="y2iqfc" style="font-family: inherit;"><span lang="HI" style="color: #202124; font-size: 16pt;">में</span></span><span class="y2iqfc" style="font-family: inherit;"><span lang="HI" style="color: #202124; font-size: 16pt;"> </span></span><span class="y2iqfc" style="font-family: inherit;"><span lang="HI" style="color: #202124; font-size: 16pt;">मदद</span></span><span class="y2iqfc" style="font-family: inherit;"><span lang="HI" style="color: #202124; font-size: 16pt;"> </span></span><span class="y2iqfc" style="font-family: inherit;"><span lang="HI" style="color: #202124; font-size: 16pt;">करता</span></span><span class="y2iqfc" style="font-family: inherit;"><span lang="HI" style="color: #202124; font-size: 16pt;"> </span></span><span class="y2iqfc" style="font-family: inherit;"><span lang="HI" style="color: #202124; font-size: 16pt;">है।</span></span><span class="y2iqfc" style="font-family: inherit;"><span lang="HI" style="color: #202124; font-size: 16pt;"> </span></span><span class="y2iqfc" style="font-family: inherit;"><span lang="HI" style="color: #202124; font-size: 16pt;">सावधि</span></span><span class="y2iqfc" style="font-family: inherit;"><span lang="HI" style="color: #202124; font-size: 16pt;"> </span></span><span class="y2iqfc" style="font-family: inherit;"><span lang="HI" style="color: #202124; font-size: 16pt;">जमा</span></span><span class="y2iqfc" style="font-family: inherit;"><span lang="HI" style="color: #202124; font-size: 16pt;"> </span></span><span lang="HI" style="color: #202124; font-size: 16pt;">के</span><span class="y2iqfc" style="font-family: inherit;"><span lang="HI" style="color: #202124; font-size: 16pt;"> </span></span><span class="y2iqfc" style="font-family: inherit;"><span lang="HI" style="color: #202124; font-size: 16pt;">विपरीत</span></span><span class="y2iqfc" style="font-family: inherit;"><span style="color: #202124; font-size: 16pt;">,</span></span></pre><pre><span class="y2iqfc" style="font-family: inherit;"><span lang="HI" style="color: #202124; font-size: 16pt;">लिक्विड </span></span><span lang="HI" style="color: #202124; font-size: 16pt;">फंड</span><span class="y2iqfc" style="font-family: inherit;"><span lang="HI" style="color: #202124; font-size: 16pt;"> </span></span><span class="y2iqfc" style="font-family: inherit;"><span lang="HI" style="color: #202124; font-size: 16pt;">की </span></span><span lang="HI" style="color: #202124; font-size: 16pt;">कोई</span><span class="y2iqfc" style="font-family: inherit;"><span lang="HI" style="color: #202124; font-size: 16pt;"> </span></span><span lang="HI" style="color: #202124; font-family: inherit; font-size: 16pt;">परिपक्वता</span><span class="y2iqfc" style="font-family: inherit;"><span lang="HI" style="color: #202124; font-size: 16pt;"> </span></span><span class="y2iqfc" style="font-family: inherit;"><span lang="HI" style="color: #202124; font-size: 16pt;">अवधि</span></span><span class="y2iqfc" style="font-family: inherit;"><span lang="HI" style="color: #202124; font-size: 16pt;"> </span></span><span class="y2iqfc" style="font-family: inherit;"><span lang="HI" style="color: #202124; font-size: 16pt;">नहीं</span></span><span class="y2iqfc" style="font-family: inherit;"><span lang="HI" style="color: #202124; font-size: 16pt;"> </span></span><span class="y2iqfc" style="font-family: inherit;"><span lang="HI" style="color: #202124; font-size: 16pt;">होती</span></span><span class="y2iqfc" style="font-family: inherit;"><span lang="HI" style="color: #202124; font-size: 16pt;"> </span></span><span class="y2iqfc" style="font-family: inherit;"><span lang="HI" style="color: #202124; font-size: 16pt;">है।</span></span><span class="y2iqfc" style="font-family: inherit;"><span lang="HI" style="color: #202124; font-size: 16pt;"> </span></span><span class="y2iqfc" style="font-family: inherit;"><span lang="HI" style="color: #202124; font-size: 16pt;">आप</span></span><span class="y2iqfc" style="font-family: inherit;"><span lang="HI" style="color: #202124; font-size: 16pt;"> </span></span><span class="y2iqfc" style="font-family: inherit;"><span lang="HI" style="color: #202124; font-size: 16pt;">लिक्विड</span></span><span class="y2iqfc" style="font-family: inherit;"><span lang="HI" style="color: #202124; font-size: 16pt;"> </span></span><span class="y2iqfc" style="font-family: inherit;"><span lang="HI" style="color: #202124; font-size: 16pt;">फंड</span></span><span class="y2iqfc" style="font-family: inherit;"><span lang="HI" style="color: #202124; font-size: 16pt;"> </span></span><span class="y2iqfc" style="font-family: inherit;"><span lang="HI" style="color: #202124; font-size: 16pt;">से</span></span><span class="y2iqfc" style="font-family: inherit;"><span lang="HI" style="color: #202124; font-size: 16pt;"> </span></span><span class="y2iqfc" style="font-family: inherit;"><span lang="HI" style="color: #202124; font-size: 16pt;">तुरंत</span></span><span class="y2iqfc" style="font-family: inherit;"><span lang="HI" style="color: #202124; font-size: 16pt;"> </span></span><span class="y2iqfc" style="font-family: inherit;"><span lang="HI" style="color: #202124; font-size: 16pt;">पैसा</span></span><span class="y2iqfc" style="font-family: inherit;"><span lang="HI" style="color: #202124; font-size: 16pt;"> </span></span><span class="y2iqfc" style="font-family: inherit;"><span lang="HI" style="color: #202124; font-size: 16pt;">भी</span></span><span class="y2iqfc" style="font-family: inherit;"><span lang="HI" style="color: #202124; font-size: 16pt;"> </span></span><span class="y2iqfc" style="font-family: inherit;"><span lang="HI" style="color: #202124; font-size: 16pt;">रिडीम</span></span><span class="y2iqfc" style="font-family: inherit;"><span lang="HI" style="color: #202124; font-size: 16pt;"> </span></span><span class="y2iqfc" style="font-family: inherit;"><span lang="HI" style="color: #202124; font-size: 16pt;">कर </span></span><span lang="HI" style="color: #202124; font-family: inherit; font-size: 16pt;">सकते</span><span class="y2iqfc" style="font-family: inherit;"><span lang="HI" style="color: #202124; font-size: 16pt;"> </span></span><span class="y2iqfc" style="font-family: inherit;"><span lang="HI" style="color: #202124; font-size: 16pt;">हैं।</span></span></pre><pre><span class="y2iqfc" style="font-family: inherit;"><span lang="HI" style="color: #202124; font-size: 16pt;">वर्तमान</span></span><span class="y2iqfc" style="font-family: inherit;"><span lang="HI" style="color: #202124; font-size: 16pt;"> </span></span><span class="y2iqfc" style="font-family: inherit;"><span lang="HI" style="color: #202124; font-size: 16pt;">में</span></span><span class="y2iqfc" style="font-family: inherit;"><span style="color: #202124; font-size: 16pt;">,</span></span><span lang="HI" style="color: #202124; font-size: 16pt;">निवेशक</span><span class="y2iqfc" style="font-family: inherit;"><span lang="HI" style="color: #202124; font-size: 16pt;"> 50</span></span><span class="y2iqfc" style="font-family: inherit;"><span style="color: #202124; font-size: 16pt;">,<span lang="HI">000 </span></span></span><span class="y2iqfc" style="font-family: inherit;"><span lang="HI" style="color: #202124; font-size: 16pt;">रुपये</span></span><span class="y2iqfc" style="font-family: inherit;"><span lang="HI" style="color: #202124; font-size: 16pt;"> </span></span><span class="y2iqfc" style="font-family: inherit;"><span lang="HI" style="color: #202124; font-size: 16pt;">या</span></span><span class="y2iqfc" style="font-family: inherit;"><span lang="HI" style="color: #202124; font-size: 16pt;"> </span></span><span class="y2iqfc" style="font-family: inherit;"><span lang="HI" style="color: #202124; font-size: 16pt;">कुल</span></span><span class="y2iqfc" style="font-family: inherit;"><span lang="HI" style="color: #202124; font-size: 16pt;"> </span></span><span class="y2iqfc" style="font-family: inherit;"><span lang="HI" style="color: #202124; font-size: 16pt;">राशि</span></span><span class="y2iqfc" style="font-family: inherit;"><span lang="HI" style="color: #202124; font-size: 16pt;"> </span></span><span class="y2iqfc" style="font-family: inherit;"><span lang="HI" style="color: #202124; font-size: 16pt;">का</span></span><span class="y2iqfc" style="font-family: inherit;"><span lang="HI" style="color: #202124; font-size: 16pt;"> 90% </span></span><span class="y2iqfc" style="font-family: inherit;"><span lang="HI" style="color: #202124; font-size: 16pt;">तक</span></span><span class="y2iqfc" style="font-family: inherit;"><span style="color: #202124; font-size: 16pt;">, </span></span><span class="y2iqfc" style="font-family: inherit;"><span lang="HI" style="color: #202124; font-size: 16pt;">जो</span></span><span class="y2iqfc" style="font-family: inherit;"><span lang="HI" style="color: #202124; font-size: 16pt;"> </span></span><span class="y2iqfc" style="font-family: inherit;"><span lang="HI" style="color: #202124; font-size: 16pt;">भी</span></span><span class="y2iqfc" style="font-family: inherit;"><span lang="HI" style="color: #202124; font-size: 16pt;"> </span></span><span lang="HI" style="color: #202124; font-family: inherit; font-size: 16pt;">कम</span><span class="y2iqfc" style="font-family: inherit;"><span lang="HI" style="color: #202124; font-size: 16pt;"> </span></span><span class="y2iqfc" style="font-family: inherit;"><span lang="HI" style="color: #202124; font-size: 16pt;">हो</span></span><span class="y2iqfc" style="font-family: inherit;"><span style="color: #202124; font-size: 16pt;">, </span></span><span class="y2iqfc" style="font-family: inherit;"><span lang="HI" style="color: #202124; font-size: 16pt;">तुरंत</span></span><span class="y2iqfc" style="font-family: inherit;"><span lang="HI" style="color: #202124; font-size: 16pt;"> </span></span><span class="y2iqfc" style="font-family: inherit;"><span lang="HI" style="color: #202124; font-size: 16pt;">रिडीम</span></span><span class="y2iqfc" style="font-family: inherit;"><span lang="HI" style="color: #202124; font-size: 16pt;"> </span></span><span class="y2iqfc" style="font-family: inherit;"><span lang="HI" style="color: #202124; font-size: 16pt;">कर</span></span><span class="y2iqfc" style="font-family: inherit;"><span lang="HI" style="color: #202124; font-size: 16pt;"> </span></span><span class="y2iqfc" style="font-family: inherit;"><span lang="HI" style="color: #202124; font-size: 16pt;">सकते</span></span><span class="y2iqfc" style="font-family: inherit;"><span lang="HI" style="color: #202124; font-size: 16pt;"> </span></span><span class="y2iqfc" style="font-family: inherit;"><span lang="HI" style="color: #202124; font-size: 16pt;">हैं</span><span lang="HI" style="color: #202124; font-size: 16pt;"> </span></span><span lang="HI" style="color: #202124; font-family: inherit; font-size: 16pt;">साथ</span></pre><pre><span class="y2iqfc" style="font-family: inherit;"><span lang="HI" style="color: #202124; font-size: 16pt;">ही</span></span><span class="y2iqfc" style="font-family: inherit;"><span style="color: #202124; font-size: 16pt;">, </span></span><span class="y2iqfc" style="font-family: inherit;"><span lang="HI" style="color: #202124; font-size: 16pt;">डाउनग्रेड</span></span><span class="y2iqfc" style="font-family: inherit;"><span lang="HI" style="color: #202124; font-size: 16pt;"> </span></span><span class="y2iqfc" style="font-family: inherit;"><span lang="HI" style="color: #202124; font-size: 16pt;">और </span></span><span style="font-family: inherit;"><span class="y2iqfc"><span lang="HI" style="color: #202124; font-size: 16pt;">डिफॉल्ट</span></span><span class="y2iqfc"><span lang="HI" style="color: #202124; font-size: 16pt;"> </span></span><span class="y2iqfc"><span lang="HI" style="color: #202124; font-size: 16pt;">की</span></span><span class="y2iqfc"><span lang="HI" style="color: #202124; font-size: 16pt;"> </span></span><span class="y2iqfc"><span lang="HI" style="color: #202124; font-size: 16pt;">श्रृंखला</span></span><span class="y2iqfc"><span lang="HI" style="color: #202124; font-size: 16pt;"> </span></span><span class="y2iqfc"><span lang="HI" style="color: #202124; font-size: 16pt;">को</span></span><span class="y2iqfc"><span lang="HI" style="color: #202124; font-size: 16pt;"> </span></span></span><span lang="HI" style="color: #202124; font-size: 16pt;">देखते</span><span class="y2iqfc" style="font-family: inherit;"><span lang="HI" style="color: #202124; font-size: 16pt;"> </span></span><span class="y2iqfc" style="font-family: inherit;"><span lang="HI" style="color: #202124; font-size: 16pt;">हुए</span></span><span class="y2iqfc" style="font-family: inherit;"><span style="color: #202124; font-size: 16pt;">, </span></span><span class="y2iqfc" style="font-family: inherit;"><span lang="HI" style="color: #202124; font-size: 16pt;">बाजार</span></span><span class="y2iqfc" style="font-family: inherit;"><span lang="HI" style="color: #202124; font-size: 16pt;"> </span></span><span class="y2iqfc" style="font-family: inherit;"><span lang="HI" style="color: #202124; font-size: 16pt;">नियामक</span></span><span class="y2iqfc" style="font-family: inherit;"><span lang="HI" style="color: #202124; font-size: 16pt;"> </span></span><span class="y2iqfc" style="font-family: inherit;"><span lang="HI" style="color: #202124; font-size: 16pt;">ने</span></span><span class="y2iqfc" style="font-family: inherit;"><span lang="HI" style="color: #202124; font-size: 16pt;"> </span></span><span class="y2iqfc" style="font-family: inherit;"><span lang="HI" style="color: #202124; font-size: 16pt;">लिक्विड</span></span><span class="y2iqfc" style="font-family: inherit;"><span lang="HI" style="color: #202124; font-size: 16pt;"> </span></span><span class="y2iqfc" style="font-family: inherit;"><span lang="HI" style="color: #202124; font-size: 16pt;">फंड</span></span><span class="y2iqfc" style="font-family: inherit;"><span lang="HI" style="color: #202124; font-size: 16pt;"> </span></span><span class="y2iqfc" style="font-family: inherit;"><span lang="HI" style="color: #202124; font-size: 16pt;">के</span></span><span class="y2iqfc" style="font-family: inherit;"><span lang="HI" style="color: #202124; font-size: 16pt;"> </span></span><span class="y2iqfc" style="font-family: inherit;"><span lang="HI" style="color: #202124; font-size: 16pt;">लिए</span></span><span class="y2iqfc" style="font-family: inherit;"><span lang="HI" style="color: #202124; font-size: 16pt;"> </span></span><span class="y2iqfc" style="font-family: inherit;"><span lang="HI" style="color: #202124; font-size: 16pt;">सख्त</span></span><span class="y2iqfc" style="font-family: inherit;"><span lang="HI" style="color: #202124; font-size: 16pt;"> </span></span><span class="y2iqfc" style="font-family: inherit;"><span lang="HI" style="color: #202124; font-size: 16pt;">मानदंड</span></span><span class="y2iqfc" style="font-family: inherit;"><span lang="HI" style="color: #202124; font-size: 16pt;"> </span></span></pre><pre><span class="y2iqfc" style="font-family: inherit;"><span lang="HI" style="color: #202124; font-size: 16pt;">निर्धारित</span></span><span class="y2iqfc" style="font-family: inherit;"><span lang="HI" style="color: #202124; font-size: 16pt;"> </span></span><span class="y2iqfc" style="font-family: inherit;"><span lang="HI" style="color: #202124; font-size: 16pt;">किए</span></span><span class="y2iqfc" style="font-family: inherit;"><span lang="HI" style="color: #202124; font-size: 16pt;"> </span></span><span class="y2iqfc" style="font-family: inherit;"><span lang="HI" style="color: #202124; font-size: 16pt;">हैं।</span></span><span lang="HI" style="color: #202124; font-family: inherit; font-size: 16pt;">नए</span><span class="y2iqfc" style="font-family: inherit;"><span lang="HI" style="color: #202124; font-size: 16pt;"> </span></span><span class="y2iqfc" style="font-family: inherit;"><span lang="HI" style="color: #202124; font-size: 16pt;">दिशानिर्देशों</span></span><span class="y2iqfc" style="font-family: inherit;"><span lang="HI" style="color: #202124; font-size: 16pt;"> </span></span><span lang="HI" style="color: #202124; font-size: 16pt;">के</span><span class="y2iqfc" style="font-family: inherit;"><span lang="HI" style="color: #202124; font-size: 16pt;"> </span></span><span class="y2iqfc" style="font-family: inherit;"><span lang="HI" style="color: #202124; font-size: 16pt;">अनुसार</span></span><span class="y2iqfc" style="font-family: inherit;"><span style="color: #202124; font-size: 16pt;">, </span></span><span class="y2iqfc" style="font-family: inherit;"><span lang="HI" style="color: #202124; font-size: 16pt;">लिक्विड</span></span><span class="y2iqfc" style="font-family: inherit;"><span lang="HI" style="color: #202124; font-size: 16pt;"> </span></span><span class="y2iqfc" style="font-family: inherit;"><span lang="HI" style="color: #202124; font-size: 16pt;">फंड्स</span></span><span class="y2iqfc" style="font-family: inherit;"><span lang="HI" style="color: #202124; font-size: 16pt;"> </span></span><span class="y2iqfc" style="font-family: inherit;"><span lang="HI" style="color: #202124; font-size: 16pt;">को</span></span><span class="y2iqfc" style="font-family: inherit;"><span lang="HI" style="color: #202124; font-size: 16pt;"> </span></span><span class="y2iqfc" style="font-family: inherit;"><span lang="HI" style="color: #202124; font-size: 16pt;">अपने</span></span><span class="y2iqfc" style="font-family: inherit;"><span lang="HI" style="color: #202124; font-size: 16pt;"> </span></span><span lang="HI" style="color: #202124; font-size: 16pt;">पोर्टफोलियो</span><span class="y2iqfc" style="font-family: inherit;"><span lang="HI" style="color: #202124; font-size: 16pt;"> </span></span><span class="y2iqfc" style="font-family: inherit;"><span lang="HI" style="color: #202124; font-size: 16pt;">का</span></span><span class="y2iqfc" style="font-family: inherit;"><span lang="HI" style="color: #202124; font-size: 16pt;"> </span></span><span class="y2iqfc" style="font-family: inherit;"><span lang="HI" style="color: #202124; font-size: 16pt;">कम</span></span><span class="y2iqfc" style="font-family: inherit;"><span lang="HI" style="color: #202124; font-size: 16pt;"> </span></span><span class="y2iqfc" style="font-family: inherit;"><span lang="HI" style="color: #202124; font-size: 16pt;">से</span></span><span class="y2iqfc" style="font-family: inherit;"><span lang="HI" style="color: #202124; font-size: 16pt;"> </span></span><span class="y2iqfc" style="font-family: inherit;"><span lang="HI" style="color: #202124; font-size: 16pt;">कम </span></span><span lang="HI" style="color: #202124; font-family: inherit; font-size: 16pt;">20% </span><span class="y2iqfc" style="font-family: inherit;"><span lang="HI" style="color: #202124; font-size: 16pt;">लिक्विड</span></span></pre><pre><span class="y2iqfc" style="font-family: inherit;"><span lang="HI" style="color: #202124; font-size: 16pt;">एसेट्स</span></span><span class="y2iqfc" style="font-family: inherit;"><span lang="HI" style="color: #202124; font-size: 16pt;"> </span></span><span class="y2iqfc" style="font-family: inherit;"><span lang="HI" style="color: #202124; font-size: 16pt;">जैसे</span></span><span class="y2iqfc" style="font-family: inherit;"><span lang="HI" style="color: #202124; font-size: 16pt;"> </span></span><span class="y2iqfc" style="font-family: inherit;"><span lang="HI" style="color: #202124; font-size: 16pt;">कैश</span></span><span class="y2iqfc" style="font-family: inherit;"><span style="color: #202124; font-size: 16pt;">, </span></span><span class="y2iqfc" style="font-family: inherit;"><span lang="HI" style="color: #202124; font-size: 16pt;">सरकारी</span></span><span class="y2iqfc" style="font-family: inherit;"><span lang="HI" style="color: #202124; font-size: 16pt;"> </span></span><span class="y2iqfc" style="font-family: inherit;"><span lang="HI" style="color: #202124; font-size: 16pt;">सिक्योरिटीज</span></span><span class="y2iqfc" style="font-family: inherit;"><span style="color: #202124; font-size: 16pt;">,</span></span><span lang="HI" style="color: #202124; font-size: 16pt;">ट्रेजरी</span><span class="y2iqfc" style="font-family: inherit;"><span lang="HI" style="color: #202124; font-size: 16pt;"> </span></span><span class="y2iqfc" style="font-family: inherit;"><span lang="HI" style="color: #202124; font-size: 16pt;">बिल</span></span><span class="y2iqfc" style="font-family: inherit;"><span lang="HI" style="color: #202124; font-size: 16pt;"> </span></span><span class="y2iqfc" style="font-family: inherit;"><span lang="HI" style="color: #202124; font-size: 16pt;">और</span></span><span class="y2iqfc" style="font-family: inherit;"><span lang="HI" style="color: #202124; font-size: 16pt;"> </span></span><span class="y2iqfc" style="font-family: inherit;"><span lang="HI" style="color: #202124; font-size: 16pt;">रेपो</span></span><span lang="HI" style="color: #202124; font-family: inherit; font-size: 16pt;">इंस्ट्रूमेंट्स</span><span class="y2iqfc" style="font-family: inherit;"><span lang="HI" style="color: #202124; font-size: 16pt;"> </span></span><span class="y2iqfc" style="font-family: inherit;"><span lang="HI" style="color: #202124; font-size: 16pt;">में</span></span><span class="y2iqfc" style="font-family: inherit;"><span lang="HI" style="color: #202124; font-size: 16pt;"> </span></span><span class="y2iqfc" style="font-family: inherit;"><span lang="HI" style="color: #202124; font-size: 16pt;">निवेश</span></span><span class="y2iqfc" style="font-family: inherit;"><span lang="HI" style="color: #202124; font-size: 16pt;"> </span></span><span class="y2iqfc" style="font-family: inherit;"><span lang="HI" style="color: #202124; font-size: 16pt;">करना</span></span><span class="y2iqfc" style="font-family: inherit;"><span lang="HI" style="color: #202124; font-size: 16pt;"> </span></span><span class="y2iqfc" style="font-family: inherit;"><span lang="HI" style="color: #202124; font-size: 16pt;">होगा।</span></span><span lang="HI" style="color: #202124; font-size: 16pt;">इसके</span><span class="y2iqfc" style="font-family: inherit;"><span lang="HI" style="color: #202124; font-size: 16pt;"> </span></span><span class="y2iqfc" style="font-family: inherit;"><span lang="HI" style="color: #202124; font-size: 16pt;">अलावा</span></span><span class="y2iqfc" style="font-family: inherit;"><span style="color: #202124; font-size: 16pt;">, </span></span></pre><pre><span class="y2iqfc" style="font-family: inherit;"><span lang="HI" style="color: #202124; font-size: 16pt;">लिक्विड</span></span><span lang="HI" style="color: #202124; font-size: 16pt;">फंड</span><span class="y2iqfc" style="font-family: inherit;"><span lang="HI" style="color: #202124; font-size: 16pt;"> </span></span><span class="y2iqfc" style="font-family: inherit;"><span lang="HI" style="color: #202124; font-size: 16pt;">अब</span></span><span class="y2iqfc" style="font-family: inherit;"><span lang="HI" style="color: #202124; font-size: 16pt;"> </span></span><span class="y2iqfc" style="font-family: inherit;"><span lang="HI" style="color: #202124; font-size: 16pt;">केवल</span></span><span class="y2iqfc" style="font-family: inherit;"><span lang="HI" style="color: #202124; font-size: 16pt;"> </span></span><span class="y2iqfc" style="font-family: inherit;"><span lang="HI" style="color: #202124; font-size: 16pt;">एक</span></span><span class="y2iqfc" style="font-family: inherit;"><span lang="HI" style="color: #202124; font-size: 16pt;"> </span></span><span class="y2iqfc" style="font-family: inherit;"><span lang="HI" style="color: #202124; font-size: 16pt;">क्षेत्र</span></span><span class="y2iqfc" style="font-family: inherit;"><span lang="HI" style="color: #202124; font-size: 16pt;"> </span></span><span lang="HI" style="color: #202124; font-family: inherit; font-size: 16pt;">में</span><span class="y2iqfc" style="font-family: inherit;"><span lang="HI" style="color: #202124; font-size: 16pt;"> </span></span><span class="y2iqfc" style="font-family: inherit;"><span lang="HI" style="color: #202124; font-size: 16pt;">केवल</span></span><span class="y2iqfc" style="font-family: inherit;"><span lang="HI" style="color: #202124; font-size: 16pt;"> 20% </span></span><span class="y2iqfc" style="font-family: inherit;"><span lang="HI" style="color: #202124; font-size: 16pt;">तक</span></span><span class="y2iqfc" style="font-family: inherit;"><span lang="HI" style="color: #202124; font-size: 16pt;"> </span></span><span class="y2iqfc" style="font-family: inherit;"><span lang="HI" style="color: #202124; font-size: 16pt;">निवेश </span></span><span lang="HI" style="color: #202124; font-size: 16pt;">कर</span><span class="y2iqfc" style="font-family: inherit;"><span lang="HI" style="color: #202124; font-size: 16pt;"> </span></span><span class="y2iqfc" style="font-family: inherit;"><span lang="HI" style="color: #202124; font-size: 16pt;">सकते</span></span><span class="y2iqfc" style="font-family: inherit;"><span lang="HI" style="color: #202124; font-size: 16pt;"> </span></span><span class="y2iqfc" style="font-family: inherit;"><span lang="HI" style="color: #202124; font-size: 16pt;">हैं</span></span><span class="y2iqfc" style="font-family: inherit;"><span lang="HI" style="color: #202124; font-size: 16pt;"> </span></span><span class="y2iqfc" style="font-family: inherit;"><span lang="HI" style="color: #202124; font-size: 16pt;">और</span></span><span class="y2iqfc" style="font-family: inherit;"><span lang="HI" style="color: #202124; font-size: 16pt;"> </span></span><span class="y2iqfc" style="font-family: inherit;"><span lang="HI" style="color: #202124; font-size: 16pt;">आवास</span></span><span class="y2iqfc" style="font-family: inherit;"><span lang="HI" style="color: #202124; font-size: 16pt;"> </span></span><span class="y2iqfc" style="font-family: inherit;"><span lang="HI" style="color: #202124; font-size: 16pt;">वित्त</span></span><span class="y2iqfc" style="font-family: inherit;"><span lang="HI" style="color: #202124; font-size: 16pt;"> </span></span><span class="y2iqfc" style="font-family: inherit;"><span lang="HI" style="color: #202124; font-size: 16pt;">कंपनियों</span></span><span class="y2iqfc" style="font-family: inherit;"><span lang="HI" style="color: #202124; font-size: 16pt;"> </span></span><span class="y2iqfc" style="font-family: inherit;"><span lang="HI" style="color: #202124; font-size: 16pt;">में</span></span><span class="y2iqfc" style="font-family: inherit;"><span lang="HI" style="color: #202124; font-size: 16pt;"> </span></span></pre><pre><span class="y2iqfc" style="font-family: inherit;"><span lang="HI" style="color: #202124; font-size: 16pt;">10 </span></span><span class="y2iqfc" style="font-family: inherit;"><span lang="HI" style="color: #202124; font-size: 16pt;">प्रतिशत</span></span><span class="y2iqfc" style="font-family: inherit;"><span lang="HI" style="color: #202124; font-size: 16pt;"> </span></span><span lang="HI" style="color: #202124; font-family: inherit; font-size: 16pt;">से</span><span class="y2iqfc" style="font-family: inherit;"><span lang="HI" style="color: #202124; font-size: 16pt;"> </span></span><span style="font-size: large;"><span class="y2iqfc" style="font-family: inherit;"><span lang="HI" style="color: #202124;">अधिक</span></span>नहीं</span>।<span lang="HI" style="color: #202124; font-family: inherit; font-size: 16pt;">लिक्विड</span><span class="y2iqfc" style="font-family: inherit;"><span lang="HI" style="color: #202124; font-size: 16pt;"> </span></span><span class="y2iqfc" style="font-family: inherit;"><span lang="HI" style="color: #202124; font-size: 16pt;">फंड</span></span><span class="y2iqfc" style="font-family: inherit;"><span lang="HI" style="color: #202124; font-size: 16pt;"> </span></span><span class="y2iqfc" style="font-family: inherit;"><span lang="HI" style="color: #202124; font-size: 16pt;">आपके</span></span><span class="y2iqfc" style="font-family: inherit;"><span lang="HI" style="color: #202124; font-size: 16pt;"> </span></span><span class="y2iqfc" style="font-family: inherit;"><span lang="HI" style="color: #202124; font-size: 16pt;">शॉर्ट</span></span><span class="y2iqfc" style="font-family: inherit;"><span lang="HI" style="color: #202124; font-size: 16pt;"> </span></span><span class="y2iqfc" style="font-family: inherit;"><span lang="HI" style="color: #202124; font-size: 16pt;">टर्म</span></span><span class="y2iqfc" style="font-family: inherit;"><span lang="HI" style="color: #202124; font-size: 16pt;"> </span></span><span class="y2iqfc" style="font-family: inherit;"><span lang="HI" style="color: #202124; font-size: 16pt;">लक्ष्यों</span></span><span class="y2iqfc" style="font-family: inherit;"><span lang="HI" style="color: #202124; font-size: 16pt;"> </span></span><span class="y2iqfc" style="font-family: inherit;"><span lang="HI" style="color: #202124; font-size: 16pt;">के</span></span><span class="y2iqfc" style="font-family: inherit;"><span lang="HI" style="color: #202124; font-size: 16pt;"> </span></span><span class="y2iqfc" style="font-family: inherit;"><span lang="HI" style="color: #202124; font-size: 16pt;">लिए</span></span><span class="y2iqfc" style="font-family: inherit;"><span lang="HI" style="color: #202124; font-size: 16pt;"> </span></span><span class="y2iqfc" style="font-family: inherit;"><span lang="HI" style="color: #202124; font-size: 16pt;">अच्छा</span></span><span class="y2iqfc" style="font-family: inherit;"><span lang="HI" style="color: #202124; font-size: 16pt;"> </span></span><span class="y2iqfc" style="font-family: inherit;"><span lang="HI" style="color: #202124; font-size: 16pt;">निवेश</span></span><span class="y2iqfc" style="font-family: inherit;"><span lang="HI" style="color: #202124; font-size: 16pt;"> </span></span><span lang="HI" style="color: #202124; font-size: 16pt;">विकल्प</span><span class="y2iqfc" style="font-family: inherit;"><span lang="HI" style="color: #202124; font-size: 16pt;"> </span></span><span class="y2iqfc" style="font-family: inherit;"><span lang="HI" style="color: #202124; font-size: 16pt;">है </span></span><span lang="HI" style="color: #202124; font-family: inherit; font-size: 16pt;">जैसे</span><span class="y2iqfc" style="font-family: inherit;"><span lang="HI" style="color: #202124; font-size: 16pt;"> </span></span><span class="y2iqfc" style="font-family: inherit;"><span lang="HI" style="color: #202124; font-size: 16pt;">कि</span></span></pre><pre><span class="y2iqfc" style="font-family: inherit;"><span lang="HI" style="color: #202124; font-size: 16pt;">छुट्टी</span></span><span class="y2iqfc" style="font-family: inherit;"><span lang="HI" style="color: #202124; font-size: 16pt;"> </span></span><span class="y2iqfc" style="font-family: inherit;"><span lang="HI" style="color: #202124; font-size: 16pt;">की</span></span><span class="y2iqfc" style="font-family: inherit;"><span lang="HI" style="color: #202124; font-size: 16pt;"> </span></span><span class="y2iqfc" style="font-family: inherit;"><span lang="HI" style="color: #202124; font-size: 16pt;">योजना</span></span><span class="y2iqfc" style="font-family: inherit;"><span lang="HI" style="color: #202124; font-size: 16pt;"> </span></span><span class="y2iqfc" style="font-family: inherit;"><span lang="HI" style="color: #202124; font-size: 16pt;">बनाना</span></span><span class="y2iqfc" style="font-family: inherit;"><span lang="HI" style="color: #202124; font-size: 16pt;"> </span></span><span class="y2iqfc" style="font-family: inherit;"><span lang="HI" style="color: #202124; font-size: 16pt;">या</span></span><span class="y2iqfc" style="font-family: inherit;"><span lang="HI" style="color: #202124; font-size: 16pt;"> </span></span><span class="y2iqfc" style="font-family: inherit;"><span lang="HI" style="color: #202124; font-size: 16pt;">नए</span></span><span class="y2iqfc" style="font-family: inherit;"><span lang="HI" style="color: #202124; font-size: 16pt;"> </span></span><span class="y2iqfc" style="font-family: inherit;"><span lang="HI" style="color: #202124; font-size: 16pt;">लैपटॉप </span></span><span lang="HI" style="color: #202124; font-size: 16pt;">के</span><span class="y2iqfc" style="font-family: inherit;"><span lang="HI" style="color: #202124; font-size: 16pt;"> </span></span><span class="y2iqfc" style="font-family: inherit;"><span lang="HI" style="color: #202124; font-size: 16pt;">लिए</span></span><span class="y2iqfc" style="font-family: inherit;"><span lang="HI" style="color: #202124; font-size: 16pt;"> </span></span><span class="y2iqfc" style="font-family: inherit;"><span lang="HI" style="color: #202124; font-size: 16pt;">पैसे</span></span><span class="y2iqfc" style="font-family: inherit;"><span lang="HI" style="color: #202124; font-size: 16pt;"> </span></span><span class="y2iqfc" style="font-family: inherit;"><span lang="HI" style="color: #202124; font-size: 16pt;">बचाना।</span></span></pre><pre><span style="font-family: inherit; font-size: x-large;"><span class="y2iqfc"><b><span lang="HI" style="color: #202124;">ओवरनाइट</span></b></span><span class="y2iqfc"><b><span lang="HI" style="color: #202124;"> </span></b></span><span class="y2iqfc"><b><span lang="HI" style="color: #202124;">फंड्स</span></b></span><span class="y2iqfc"><b><span style="color: #202124;"><o:p></o:p></span></b></span></span></pre><pre><span style="font-family: inherit;"><span class="y2iqfc"><span lang="HI" style="color: #202124; font-size: 16pt;">जैसा</span></span><span class="y2iqfc"><span lang="HI" style="color: #202124; font-size: 16pt;"> </span></span><span class="y2iqfc"><span lang="HI" style="color: #202124; font-size: 16pt;">कि</span></span><span class="y2iqfc"><span lang="HI" style="color: #202124; font-size: 16pt;"> </span></span><span class="y2iqfc"><span lang="HI" style="color: #202124; font-size: 16pt;">नाम</span></span><span class="y2iqfc"><span lang="HI" style="color: #202124; font-size: 16pt;"> </span></span><span class="y2iqfc"><span lang="HI" style="color: #202124; font-size: 16pt;">से</span></span><span class="y2iqfc"><span lang="HI" style="color: #202124; font-size: 16pt;"> </span></span><span class="y2iqfc"><span lang="HI" style="color: #202124; font-size: 16pt;">पता</span></span><span class="y2iqfc"><span lang="HI" style="color: #202124; font-size: 16pt;"> </span></span><span class="y2iqfc"><span lang="HI" style="color: #202124; font-size: 16pt;">चलता</span></span><span class="y2iqfc"><span lang="HI" style="color: #202124; font-size: 16pt;"> </span></span><span class="y2iqfc"><span lang="HI" style="color: #202124; font-size: 16pt;">है</span></span><span class="y2iqfc"><span style="color: #202124; font-size: 16pt;">, </span></span><span class="y2iqfc"><span lang="HI" style="color: #202124; font-size: 16pt;">ये</span></span><span class="y2iqfc"><span lang="HI" style="color: #202124; font-size: 16pt;"> </span></span><span class="y2iqfc"><span lang="HI" style="color: #202124; font-size: 16pt;">डेट</span></span><span class="y2iqfc"><span lang="HI" style="color: #202124; font-size: 16pt;"> </span></span><span class="y2iqfc"><span lang="HI" style="color: #202124; font-size: 16pt;">फंड</span></span><span class="y2iqfc"><span lang="HI" style="color: #202124; font-size: 16pt;"> </span></span><span class="y2iqfc"><span lang="HI" style="color: #202124; font-size: 16pt;">एक</span></span><span class="y2iqfc"><span lang="HI" style="color: #202124; font-size: 16pt;"> </span></span><span class="y2iqfc"><span lang="HI" style="color: #202124; font-size: 16pt;">दिन</span></span><span class="y2iqfc"><span lang="HI" style="color: #202124; font-size: 16pt;"> </span></span><span class="y2iqfc"><span lang="HI" style="color: #202124; font-size: 16pt;">में</span></span><span class="y2iqfc"><span lang="HI" style="color: #202124; font-size: 16pt;"> </span></span><span class="y2iqfc"><span lang="HI" style="color: #202124; font-size: 16pt;">मैच्योर</span></span><span class="y2iqfc"><span lang="HI" style="color: #202124; font-size: 16pt;"> </span></span><span class="y2iqfc"><span lang="HI" style="color: #202124; font-size: 16pt;">होने</span></span><span class="y2iqfc"><span lang="HI" style="color: #202124; font-size: 16pt;"> </span></span><span class="y2iqfc"><span lang="HI" style="color: #202124; font-size: 16pt;">वाली</span></span><span class="y2iqfc"><span lang="HI" style="color: #202124; font-size: 16pt;"> </span></span><span lang="HI" style="color: #202124; font-size: 16pt;">ओवरनाइट</span><span class="y2iqfc"><span lang="HI" style="color: #202124; font-size: 16pt;"> </span></span><span class="y2iqfc"><span lang="HI" style="color: #202124; font-size: 16pt;">सिक्योरिटीज</span></span><span class="y2iqfc"><span lang="HI" style="color: #202124; font-size: 16pt;"> </span></span><span class="y2iqfc"><span lang="HI" style="color: #202124; font-size: 16pt;">में</span></span></span></pre><pre><span style="font-family: inherit;"><span class="y2iqfc"><span lang="HI" style="color: #202124; font-size: 16pt;">निवेश</span></span><span class="y2iqfc"><span lang="HI" style="color: #202124; font-size: 16pt;"> </span></span><span class="y2iqfc"><span lang="HI" style="color: #202124; font-size: 16pt;">करेंगे।</span></span><span class="y2iqfc"><span lang="HI" style="color: #202124; font-size: 16pt;"> </span></span><span class="y2iqfc"><span lang="HI" style="color: #202124; font-size: 16pt;">यह</span></span><span class="y2iqfc"><span lang="HI" style="color: #202124; font-size: 16pt;"> </span></span><span class="y2iqfc"><span lang="HI" style="color: #202124; font-size: 16pt;">उन</span></span><span class="y2iqfc"><span lang="HI" style="color: #202124; font-size: 16pt;"> </span></span><span class="y2iqfc"><span lang="HI" style="color: #202124; font-size: 16pt;">व्यक्तियों</span></span><span class="y2iqfc"><span lang="HI" style="color: #202124; font-size: 16pt;"> </span></span><span class="y2iqfc"><span lang="HI" style="color: #202124; font-size: 16pt;">के</span></span><span class="y2iqfc"><span lang="HI" style="color: #202124; font-size: 16pt;"> </span></span><span class="y2iqfc"><span lang="HI" style="color: #202124; font-size: 16pt;">लिए </span></span></span><span lang="HI" style="color: #202124; font-size: 16pt;">एक </span><span lang="HI" style="color: #202124; font-family: inherit; font-size: 16pt;">अच्छा</span><span class="y2iqfc" style="font-family: inherit;"><span lang="HI" style="color: #202124; font-size: 16pt;"> </span></span><span lang="HI" style="color: #202124; font-family: inherit; font-size: 16pt;">निवेश</span><span class="y2iqfc" style="font-family: inherit;"><span lang="HI" style="color: #202124; font-size: 16pt;"> </span></span><span class="y2iqfc" style="font-family: inherit;"><span lang="HI" style="color: #202124; font-size: 16pt;">विकल्प</span></span><span class="y2iqfc" style="font-family: inherit;"><span lang="HI" style="color: #202124; font-size: 16pt;"> </span></span><span class="y2iqfc" style="font-family: inherit;"><span lang="HI" style="color: #202124; font-size: 16pt;">हो</span></span><span class="y2iqfc" style="font-family: inherit;"><span lang="HI" style="color: #202124; font-size: 16pt;"> </span></span><span class="y2iqfc" style="font-family: inherit;"><span lang="HI" style="color: #202124; font-size: 16pt;">सकता</span></span><span class="y2iqfc" style="font-family: inherit;"><span lang="HI" style="color: #202124; font-size: 16pt;"> </span></span><span class="y2iqfc" style="font-family: inherit;"><span lang="HI" style="color: #202124; font-size: 16pt;">है</span></span><span class="y2iqfc" style="font-family: inherit;"><span lang="HI" style="color: #202124; font-size: 16pt;"> </span></span><span class="y2iqfc" style="font-family: inherit;"><span lang="HI" style="color: #202124; font-size: 16pt;">जो</span></span><span class="y2iqfc" style="font-family: inherit;"><span lang="HI" style="color: #202124; font-size: 16pt;"> </span></span><span class="y2iqfc" style="font-family: inherit;"><span lang="HI" style="color: #202124; font-size: 16pt;">एक</span></span><span class="y2iqfc" style="font-family: inherit;"><span lang="HI" style="color: #202124; font-size: 16pt;"> </span></span><span class="y2iqfc" style="font-family: inherit;"><span lang="HI" style="color: #202124; font-size: 16pt;">या</span></span><span class="y2iqfc" style="font-family: inherit;"><span lang="HI" style="color: #202124; font-size: 16pt;"> </span></span><span class="y2iqfc" style="font-family: inherit;"><span lang="HI" style="color: #202124; font-size: 16pt;">दो</span></span><span class="y2iqfc" style="font-family: inherit;"><span lang="HI" style="color: #202124; font-size: 16pt;"> </span></span><span class="y2iqfc" style="font-family: inherit;"><span lang="HI" style="color: #202124; font-size: 16pt;">दिन</span></span><span class="y2iqfc" style="font-family: inherit;"><span lang="HI" style="color: #202124; font-size: 16pt;"> </span></span><span class="y2iqfc" style="font-family: inherit;"><span lang="HI" style="color: #202124; font-size: 16pt;">के</span></span></pre><pre><span class="y2iqfc" style="font-family: inherit;"><span lang="HI" style="color: #202124; font-size: 16pt;">लिए</span></span><span class="y2iqfc" style="font-family: inherit;"><span lang="HI" style="color: #202124; font-size: 16pt;"> </span></span><span class="y2iqfc" style="font-family: inherit;"><span lang="HI" style="color: #202124; font-size: 16pt;">अपना</span></span><span class="y2iqfc" style="font-family: inherit;"><span lang="HI" style="color: #202124; font-size: 16pt;"> </span></span><span class="y2iqfc" style="font-family: inherit;"><span lang="HI" style="color: #202124; font-size: 16pt;">पैसा</span></span><span class="y2iqfc" style="font-family: inherit;"><span lang="HI" style="color: #202124; font-size: 16pt;"> </span></span><span class="y2iqfc" style="font-family: inherit;"><span lang="HI" style="color: #202124; font-size: 16pt;">पार्क</span></span><span class="y2iqfc" style="font-family: inherit;"><span lang="HI" style="color: #202124; font-size: 16pt;"> </span></span><span class="y2iqfc" style="font-family: inherit;"><span lang="HI" style="color: #202124; font-size: 16pt;">करना </span></span><span lang="HI" style="color: #202124; font-family: inherit; font-size: 16pt;">चाहते</span><span class="y2iqfc" style="font-family: inherit;"><span lang="HI" style="color: #202124; font-size: 16pt;"> </span></span><span class="y2iqfc" style="font-family: inherit;"><span lang="HI" style="color: #202124; font-size: 16pt;">हैं।</span></span></pre><pre><span style="font-family: inherit; font-size: x-large;"><span class="y2iqfc"><b><span lang="HI" style="color: #202124;">मुद्रा</span></b></span><span class="y2iqfc"><b><span lang="HI" style="color: #202124;"> </span></b></span><span class="y2iqfc"><b><span lang="HI" style="color: #202124;">बाजार</span></b></span><span class="y2iqfc"><b><span lang="HI" style="color: #202124;"> </span></b></span><span class="y2iqfc"><b><span lang="HI" style="color: #202124;">फंड</span></b></span><span class="y2iqfc"><b><span lang="HI" style="color: #202124;">:</span></b></span><b><span style="color: #202124;"><o:p></o:p></span></b></span></pre><pre><span style="font-family: inherit;"><span class="y2iqfc"><span lang="HI" style="color: #202124; font-size: 16pt;">मनी</span></span><span class="y2iqfc"><span lang="HI" style="color: #202124; font-size: 16pt;"> </span></span><span class="y2iqfc"><span lang="HI" style="color: #202124; font-size: 16pt;">मार्केट</span></span><span class="y2iqfc"><span lang="HI" style="color: #202124; font-size: 16pt;"> </span></span><span class="y2iqfc"><span lang="HI" style="color: #202124; font-size: 16pt;">फंड</span></span><span class="y2iqfc"><span lang="HI" style="color: #202124; font-size: 16pt;"> 1 </span></span><span class="y2iqfc"><span lang="HI" style="color: #202124; font-size: 16pt;">साल</span></span><span class="y2iqfc"><span lang="HI" style="color: #202124; font-size: 16pt;"> </span></span><span class="y2iqfc"><span lang="HI" style="color: #202124; font-size: 16pt;">के</span></span><span class="y2iqfc"><span lang="HI" style="color: #202124; font-size: 16pt;"> </span></span><span class="y2iqfc"><span lang="HI" style="color: #202124; font-size: 16pt;">भीतर</span></span><span class="y2iqfc"><span lang="HI" style="color: #202124; font-size: 16pt;"> </span></span><span class="y2iqfc"><span lang="HI" style="color: #202124; font-size: 16pt;">मैच्योरिटी</span></span><span class="y2iqfc"><span lang="HI" style="color: #202124; font-size: 16pt;"> </span></span><span class="y2iqfc"><span lang="HI" style="color: #202124; font-size: 16pt;">अवधि</span></span><span class="y2iqfc"><span lang="HI" style="color: #202124; font-size: 16pt;"> </span></span><span class="y2iqfc"><span lang="HI" style="color: #202124; font-size: 16pt;">के</span></span><span class="y2iqfc"><span lang="HI" style="color: #202124; font-size: 16pt;"> </span></span><span class="y2iqfc"><span lang="HI" style="color: #202124; font-size: 16pt;">साथ</span></span><span class="y2iqfc"><span lang="HI" style="color: #202124; font-size: 16pt;"> </span></span><span class="y2iqfc"><span lang="HI" style="color: #202124; font-size: 16pt;">मनी</span></span><span class="y2iqfc"><span lang="HI" style="color: #202124; font-size: 16pt;"> </span></span><span class="y2iqfc"><span lang="HI" style="color: #202124; font-size: 16pt;">मार्केट</span></span><span class="y2iqfc"><span lang="HI" style="color: #202124; font-size: 16pt;"> </span></span><span lang="HI" style="color: #202124; font-size: 16pt;">इंस्ट्रूमेंट्स</span><span class="y2iqfc"><span lang="HI" style="color: #202124; font-size: 16pt;"> </span></span><span class="y2iqfc"><span lang="HI" style="color: #202124; font-size: 16pt;">में</span></span><span class="y2iqfc"><span lang="HI" style="color: #202124; font-size: 16pt;"> </span></span><span lang="HI" style="color: #202124; font-size: 16pt;">निवेश</span><span class="y2iqfc"><span lang="HI" style="color: #202124; font-size: 16pt;"> </span></span><span class="y2iqfc"><span lang="HI" style="color: #202124; font-size: 16pt;">करेंगे।</span></span><span class="y2iqfc"><span lang="HI" style="color: #202124; font-size: 16pt;"> </span></span><span class="y2iqfc"><span lang="HI" style="color: #202124; font-size: 16pt;">मुद्रा</span></span></span></pre><pre><span style="font-family: inherit;"><span class="y2iqfc"><span lang="HI" style="color: #202124; font-size: 16pt;">बाजार</span></span><span class="y2iqfc"><span lang="HI" style="color: #202124; font-size: 16pt;"> </span></span><span class="y2iqfc"><span lang="HI" style="color: #202124; font-size: 16pt;">के</span></span><span class="y2iqfc"><span lang="HI" style="color: #202124; font-size: 16pt;"> </span></span><span class="y2iqfc"><span lang="HI" style="color: #202124; font-size: 16pt;">साधनों</span></span><span class="y2iqfc"><span lang="HI" style="color: #202124; font-size: 16pt;"> </span></span><span class="y2iqfc"><span lang="HI" style="color: #202124; font-size: 16pt;">में</span></span><span class="y2iqfc"><span lang="HI" style="color: #202124; font-size: 16pt;"> </span></span><span class="y2iqfc"><span lang="HI" style="color: #202124; font-size: 16pt;">शामिल</span></span><span class="y2iqfc"><span lang="HI" style="color: #202124; font-size: 16pt;"> </span></span><span class="y2iqfc"><span lang="HI" style="color: #202124; font-size: 16pt;">हैं|</span></span></span></pre><pre><b><span style="font-family: inherit; font-size: x-large;"><span class="y2iqfc"><span lang="HI" style="color: #202124;">अवधि</span></span><span class="y2iqfc"><span lang="HI" style="color: #202124;"> </span></span><span class="y2iqfc"><span lang="HI" style="color: #202124;">निधि</span></span><span class="y2iqfc"><span lang="HI" style="color: #202124;">:</span></span></span></b></pre><pre><span style="font-family: inherit;"><span class="y2iqfc"><span lang="HI" style="color: #202124; font-size: 16pt;">ये</span></span><span class="y2iqfc"><span lang="HI" style="color: #202124; font-size: 16pt;"> </span></span><span class="y2iqfc"><span lang="HI" style="color: #202124; font-size: 16pt;">डेट</span></span><span class="y2iqfc"><span lang="HI" style="color: #202124; font-size: 16pt;"> </span></span><span class="y2iqfc"><span lang="HI" style="color: #202124; font-size: 16pt;">फंड</span></span><span class="y2iqfc"><span lang="HI" style="color: #202124; font-size: 16pt;"> </span></span><span class="y2iqfc"><span lang="HI" style="color: #202124; font-size: 16pt;">मैच्योरिटी</span></span><span class="y2iqfc"><span lang="HI" style="color: #202124; font-size: 16pt;"> </span></span><span class="y2iqfc"><span lang="HI" style="color: #202124; font-size: 16pt;">अवधि</span></span><span class="y2iqfc"><span lang="HI" style="color: #202124; font-size: 16pt;"> </span></span><span class="y2iqfc"><span lang="HI" style="color: #202124; font-size: 16pt;">के</span></span><span class="y2iqfc"><span lang="HI" style="color: #202124; font-size: 16pt;"> </span></span><span class="y2iqfc"><span lang="HI" style="color: #202124; font-size: 16pt;">साथ</span></span><span class="y2iqfc"><span lang="HI" style="color: #202124; font-size: 16pt;"> </span></span><span class="y2iqfc"><span lang="HI" style="color: #202124; font-size: 16pt;">डेट</span></span><span class="y2iqfc"><span lang="HI" style="color: #202124; font-size: 16pt;"> </span></span><span class="y2iqfc"><span lang="HI" style="color: #202124; font-size: 16pt;">सिक्योरिटीज</span></span><span class="y2iqfc"><span lang="HI" style="color: #202124; font-size: 16pt;"> </span></span><span class="y2iqfc"><span lang="HI" style="color: #202124; font-size: 16pt;">में</span></span><span class="y2iqfc"><span lang="HI" style="color: #202124; font-size: 16pt;"> </span></span><span class="y2iqfc"><span lang="HI" style="color: #202124; font-size: 16pt;">निवेश</span></span><span class="y2iqfc"><span lang="HI" style="color: #202124; font-size: 16pt;"> </span></span><span class="y2iqfc"><span lang="HI" style="color: #202124; font-size: 16pt;">करते</span></span><span class="y2iqfc"><span lang="HI" style="color: #202124; font-size: 16pt;"> </span></span><span class="y2iqfc"><span lang="HI" style="color: #202124; font-size: 16pt;">हैं।</span></span><span class="y2iqfc"><span lang="HI" style="color: #202124; font-size: 16pt;"> </span></span><span lang="HI" style="color: #202124; font-size: 16pt;">अल्ट्रा</span><span class="y2iqfc"><span lang="HI" style="color: #202124; font-size: 16pt;">-</span></span><span class="y2iqfc"><span lang="HI" style="color: #202124; font-size: 16pt;">शॉर्ट</span></span><span class="y2iqfc"><span lang="HI" style="color: #202124; font-size: 16pt;"> </span></span><span class="y2iqfc"><span lang="HI" style="color: #202124; font-size: 16pt;">ड्यूरेशन</span></span><span class="y2iqfc"><span lang="HI" style="color: #202124; font-size: 16pt;"> </span></span><span class="y2iqfc"><span lang="HI" style="color: #202124; font-size: 16pt;">फंड</span></span><span class="y2iqfc"><span style="color: #202124; font-size: 16pt;">, </span></span><span class="y2iqfc"><span lang="HI" style="color: #202124; font-size: 16pt;">लो</span></span></span></pre><pre><span style="font-family: inherit;"><span class="y2iqfc"><span lang="HI" style="color: #202124; font-size: 16pt;">ड्यूरेशन</span></span><span class="y2iqfc"><span lang="HI" style="color: #202124; font-size: 16pt;"> </span></span><span class="y2iqfc"><span lang="HI" style="color: #202124; font-size: 16pt;">फंड</span></span><span class="y2iqfc"><span style="color: #202124; font-size: 16pt;">, </span></span><span class="y2iqfc"><span lang="HI" style="color: #202124; font-size: 16pt;">शॉर्ट</span></span><span class="y2iqfc"><span lang="HI" style="color: #202124; font-size: 16pt;">-</span></span><span class="y2iqfc"><span lang="HI" style="color: #202124; font-size: 16pt;">ड्यूरेशन</span></span><span class="y2iqfc"><span lang="HI" style="color: #202124; font-size: 16pt;"> </span></span><span class="y2iqfc"><span lang="HI" style="color: #202124; font-size: 16pt;">फंड</span></span><span class="y2iqfc"><span style="color: #202124; font-size: 16pt;">,</span></span></span><span lang="HI" style="color: #202124; font-size: 16pt;">मीडियम</span><span class="y2iqfc" style="font-family: inherit;"><span lang="HI" style="color: #202124; font-size: 16pt;"> </span></span><span class="y2iqfc" style="font-family: inherit;"><span lang="HI" style="color: #202124; font-size: 16pt;">ड्यूरेशन </span></span><span lang="HI" style="color: #202124; font-family: inherit; font-size: 16pt;">फंड</span><span class="y2iqfc" style="font-family: inherit;"><span style="color: #202124; font-size: 16pt;">, </span></span><span class="y2iqfc" style="font-family: inherit;"><span lang="HI" style="color: #202124; font-size: 16pt;">मीडियम</span></span><span class="y2iqfc" style="font-family: inherit;"><span lang="HI" style="color: #202124; font-size: 16pt;"> </span></span><span class="y2iqfc" style="font-family: inherit;"><span lang="HI" style="color: #202124; font-size: 16pt;">से</span></span><span class="y2iqfc" style="font-family: inherit;"><span lang="HI" style="color: #202124; font-size: 16pt;"> </span></span><span class="y2iqfc" style="font-family: inherit;"><span lang="HI" style="color: #202124; font-size: 16pt;">लॉन्ग</span></span><span class="y2iqfc" style="font-family: inherit;"><span lang="HI" style="color: #202124; font-size: 16pt;"> </span></span><span class="y2iqfc" style="font-family: inherit;"><span lang="HI" style="color: #202124; font-size: 16pt;">ड्यूरेशन</span></span><span class="y2iqfc" style="font-family: inherit;"><span lang="HI" style="color: #202124; font-size: 16pt;"> </span></span><span class="y2iqfc" style="font-family: inherit;"><span lang="HI" style="color: #202124; font-size: 16pt;">फंड</span></span><span class="y2iqfc" style="font-family: inherit;"><span lang="HI" style="color: #202124; font-size: 16pt;"> </span></span><span class="y2iqfc" style="font-family: inherit;"><span lang="HI" style="color: #202124; font-size: 16pt;">और</span></span><span class="y2iqfc" style="font-family: inherit;"><span lang="HI" style="color: #202124; font-size: 16pt;"> </span></span><span class="y2iqfc" style="font-family: inherit;"><span lang="HI" style="color: #202124; font-size: 16pt;">लॉन्ग</span></span><span class="y2iqfc" style="font-family: inherit;"><span lang="HI" style="color: #202124; font-size: 16pt;"> </span></span><span class="y2iqfc" style="font-family: inherit;"><span lang="HI" style="color: #202124; font-size: 16pt;">ड्यूरेशन</span></span></pre><pre><span class="y2iqfc" style="font-family: inherit;"><span lang="HI" style="color: #202124; font-size: 16pt;">फंड</span></span><span class="y2iqfc" style="font-family: inherit;"><span lang="HI" style="color: #202124; font-size: 16pt;"> </span></span><span class="y2iqfc" style="font-family: inherit;"><span lang="HI" style="color: #202124; font-size: 16pt;">ड्यूरेशन</span></span><span class="y2iqfc" style="font-family: inherit;"><span lang="HI" style="color: #202124; font-size: 16pt;"> </span></span><span class="y2iqfc" style="font-family: inherit;"><span lang="HI" style="color: #202124; font-size: 16pt;">फंड</span></span><span class="y2iqfc" style="font-family: inherit;"><span lang="HI" style="color: #202124; font-size: 16pt;"> </span></span><span class="y2iqfc" style="font-family: inherit;"><span lang="HI" style="color: #202124; font-size: 16pt;">की</span></span><span class="y2iqfc" style="font-family: inherit;"><span lang="HI" style="color: #202124; font-size: 16pt;"> </span></span><span lang="HI" style="color: #202124; font-family: inherit; font-size: 16pt;">विभिन्न</span><span class="y2iqfc" style="font-family: inherit;"><span lang="HI" style="color: #202124; font-size: 16pt;"> </span></span><span class="y2iqfc" style="font-family: inherit;"><span lang="HI" style="color: #202124; font-size: 16pt;">श्रेणियां</span></span><span class="y2iqfc" style="font-family: inherit;"><span lang="HI" style="color: #202124; font-size: 16pt;"> </span></span><span class="y2iqfc" style="font-family: inherit;"><span lang="HI" style="color: #202124; font-size: 16pt;">हैं।</span></span><span class="y2iqfc" style="font-family: inherit;"><span lang="HI" style="color: #202124; font-size: 16pt;"> </span></span><span class="y2iqfc" style="font-family: inherit;"><span lang="HI" style="color: #202124; font-size: 16pt;">अल्ट्रा</span></span><span class="y2iqfc" style="font-family: inherit;"><span lang="HI" style="color: #202124; font-size: 16pt;">-</span></span><span class="y2iqfc" style="font-family: inherit;"><span lang="HI" style="color: #202124; font-size: 16pt;">शॉर्ट</span></span><span class="y2iqfc" style="font-family: inherit;"><span lang="HI" style="color: #202124; font-size: 16pt;"> </span></span><span class="y2iqfc" style="font-family: inherit;"><span lang="HI" style="color: #202124; font-size: 16pt;">ड्यूरेशन</span></span><span class="y2iqfc" style="font-family: inherit;"><span lang="HI" style="color: #202124; font-size: 16pt;"> </span></span><span lang="HI" style="color: #202124; font-size: 16pt;">फंड</span><span class="y2iqfc" style="font-family: inherit;"><span lang="HI" style="color: #202124; font-size: 16pt;"> </span></span><span class="y2iqfc" style="font-family: inherit;"><span lang="HI" style="color: #202124; font-size: 16pt;">तीन</span></span><span class="y2iqfc" style="font-family: inherit;"><span lang="HI" style="color: #202124; font-size: 16pt;"> </span></span><span class="y2iqfc" style="font-family: inherit;"><span lang="HI" style="color: #202124; font-size: 16pt;">महीने</span></span><span class="y2iqfc" style="font-family: inherit;"><span lang="HI" style="color: #202124; font-size: 16pt;"> </span></span><span class="y2iqfc" style="font-family: inherit;"><span lang="HI" style="color: #202124; font-size: 16pt;">से</span></span><span class="y2iqfc" style="font-family: inherit;"><span lang="HI" style="color: #202124; font-size: 16pt;"> </span></span><span class="y2iqfc" style="font-family: inherit;"><span lang="HI" style="color: #202124; font-size: 16pt;">छह</span></span><span class="y2iqfc" style="font-family: inherit;"><span lang="HI" style="color: #202124; font-size: 16pt;"> </span></span><span class="y2iqfc" style="font-family: inherit;"><span lang="HI" style="color: #202124; font-size: 16pt;">महीने</span></span><span class="y2iqfc" style="font-family: inherit;"><span lang="HI" style="color: #202124; font-size: 16pt;"> </span></span><span class="y2iqfc" style="font-family: inherit;"><span lang="HI" style="color: #202124; font-size: 16pt;">के</span></span><span class="y2iqfc" style="font-family: inherit;"><span lang="HI" style="color: #202124; font-size: 16pt;"> </span></span><span class="y2iqfc" style="font-family: inherit;"><span lang="HI" style="color: #202124; font-size: 16pt;">बीच</span></span><span class="y2iqfc" style="font-family: inherit;"><span lang="HI" style="color: #202124; font-size: 16pt;"> </span></span><span lang="HI" style="color: #202124; font-family: inherit; font-size: 16pt;">मैच्योरिटी</span></pre><pre><span class="y2iqfc" style="font-family: inherit;"><span lang="HI" style="color: #202124; font-size: 16pt;">वाली</span></span><span class="y2iqfc" style="font-family: inherit;"><span lang="HI" style="color: #202124; font-size: 16pt;"> </span></span><span class="y2iqfc" style="font-family: inherit;"><span lang="HI" style="color: #202124; font-size: 16pt;">डेट</span></span><span class="y2iqfc" style="font-family: inherit;"><span lang="HI" style="color: #202124; font-size: 16pt;"> </span></span><span class="y2iqfc" style="font-family: inherit;"><span lang="HI" style="color: #202124; font-size: 16pt;">सिक्योरिटीज</span></span><span class="y2iqfc" style="font-family: inherit;"><span lang="HI" style="color: #202124; font-size: 16pt;"> </span></span><span class="y2iqfc" style="font-family: inherit;"><span lang="HI" style="color: #202124; font-size: 16pt;">में</span></span><span class="y2iqfc" style="font-family: inherit;"><span lang="HI" style="color: #202124; font-size: 16pt;"> </span></span><span class="y2iqfc" style="font-family: inherit;"><span lang="HI" style="color: #202124; font-size: 16pt;">निवेश</span></span><span class="y2iqfc" style="font-family: inherit;"><span lang="HI" style="color: #202124; font-size: 16pt;"> </span></span><span class="y2iqfc" style="font-family: inherit;"><span lang="HI" style="color: #202124; font-size: 16pt;">करेगा।</span></span><span class="y2iqfc" style="font-family: inherit;"><span lang="HI" style="color: #202124; font-size: 16pt;"> </span></span><span class="y2iqfc" style="font-family: inherit;"><span lang="HI" style="color: #202124; font-size: 16pt;">लो</span></span><span class="y2iqfc" style="font-family: inherit;"><span lang="HI" style="color: #202124; font-size: 16pt;"> </span></span><span class="y2iqfc" style="font-family: inherit;"><span lang="HI" style="color: #202124; font-size: 16pt;">ड्यूरेशन</span></span><span class="y2iqfc" style="font-family: inherit;"><span lang="HI" style="color: #202124; font-size: 16pt;"> </span></span><span class="y2iqfc" style="font-family: inherit;"><span lang="HI" style="color: #202124; font-size: 16pt;">फंड</span></span><span class="y2iqfc" style="font-family: inherit;"><span style="color: #202124; font-size: 16pt;">, </span></span><span class="y2iqfc" style="font-family: inherit;"><span lang="HI" style="color: #202124; font-size: 16pt;">शॉर्ट</span></span><span class="y2iqfc" style="font-family: inherit;"><span lang="HI" style="color: #202124; font-size: 16pt;"> </span></span><span class="y2iqfc" style="font-family: inherit;"><span lang="HI" style="color: #202124; font-size: 16pt;">ड्यूरेशन </span></span><span lang="HI" style="color: #202124; font-family: inherit; font-size: 16pt;">फंड</span><span class="y2iqfc" style="font-family: inherit;"><span style="color: #202124; font-size: 16pt;">, </span></span><span class="y2iqfc" style="font-family: inherit;"><span lang="HI" style="color: #202124; font-size: 16pt;">मीडियम</span></span><span class="y2iqfc" style="font-family: inherit;"><span lang="HI" style="color: #202124; font-size: 16pt;"> </span></span><span class="y2iqfc" style="font-family: inherit;"><span lang="HI" style="color: #202124; font-size: 16pt;">ड्यूरेशन</span></span><span class="y2iqfc" style="font-family: inherit;"><span lang="HI" style="color: #202124; font-size: 16pt;"> </span></span><span lang="HI" style="color: #202124; font-size: 16pt;">फंड</span><span class="y2iqfc" style="font-family: inherit;"><span style="color: #202124; font-size: 16pt;">,</span></span><span class="y2iqfc" style="font-family: inherit;"><span lang="HI" style="color: #202124; font-size: 16pt;">मीडियम</span></span></pre><pre><span class="y2iqfc" style="font-family: inherit;"><span lang="HI" style="color: #202124; font-size: 16pt;">से</span></span><span class="y2iqfc" style="font-family: inherit;"><span lang="HI" style="color: #202124; font-size: 16pt;"> </span></span><span class="y2iqfc" style="font-family: inherit;"><span lang="HI" style="color: #202124; font-size: 16pt;">लॉन्ग</span></span><span class="y2iqfc" style="font-family: inherit;"><span lang="HI" style="color: #202124; font-size: 16pt;"> </span></span><span class="y2iqfc" style="font-family: inherit;"><span lang="HI" style="color: #202124; font-size: 16pt;">ड्यूरेशन</span></span><span class="y2iqfc" style="font-family: inherit;"><span lang="HI" style="color: #202124; font-size: 16pt;"> </span></span><span class="y2iqfc" style="font-family: inherit;"><span lang="HI" style="color: #202124; font-size: 16pt;">फंड</span></span><span class="y2iqfc" style="font-family: inherit;"><span lang="HI" style="color: #202124; font-size: 16pt;"> </span></span><span class="y2iqfc" style="font-family: inherit;"><span lang="HI" style="color: #202124; font-size: 16pt;">और</span></span><span class="y2iqfc" style="font-family: inherit;"><span lang="HI" style="color: #202124; font-size: 16pt;"> </span></span><span class="y2iqfc" style="font-family: inherit;"><span lang="HI" style="color: #202124; font-size: 16pt;">लॉन्ग</span></span><span class="y2iqfc" style="font-family: inherit;"><span lang="HI" style="color: #202124; font-size: 16pt;"> </span></span><span class="y2iqfc" style="font-family: inherit;"><span lang="HI" style="color: #202124; font-size: 16pt;">ड्यूरेशन </span></span><span lang="HI" style="color: #202124; font-family: inherit; font-size: 16pt;">फंड</span><span class="y2iqfc" style="font-family: inherit;"><span lang="HI" style="color: #202124; font-size: 16pt;"> </span></span><span class="y2iqfc" style="font-family: inherit;"><span lang="HI" style="color: #202124; font-size: 16pt;">छह</span></span><span class="y2iqfc" style="font-family: inherit;"><span lang="HI" style="color: #202124; font-size: 16pt;"> </span></span><span class="y2iqfc" style="font-family: inherit;"><span lang="HI" style="color: #202124; font-size: 16pt;">से</span></span><span class="y2iqfc" style="font-family: inherit;"><span lang="HI" style="color: #202124; font-size: 16pt;"> 12 </span></span><span class="y2iqfc" style="font-family: inherit;"><span lang="HI" style="color: #202124; font-size: 16pt;">महीने</span></span><span class="y2iqfc" style="font-family: inherit;"><span style="color: #202124; font-size: 16pt;">, </span></span><span class="y2iqfc" style="font-family: inherit;"><span lang="HI" style="color: #202124; font-size: 16pt;">एक</span></span><span class="y2iqfc" style="font-family: inherit;"><span lang="HI" style="color: #202124; font-size: 16pt;"> </span></span><span class="y2iqfc" style="font-family: inherit;"><span lang="HI" style="color: #202124; font-size: 16pt;">साल</span></span><span class="y2iqfc" style="font-family: inherit;"><span lang="HI" style="color: #202124; font-size: 16pt;"> </span></span><span class="y2iqfc" style="font-family: inherit;"><span lang="HI" style="color: #202124; font-size: 16pt;">से</span></span><span class="y2iqfc" style="font-family: inherit;"><span lang="HI" style="color: #202124; font-size: 16pt;"> </span></span><span class="y2iqfc" style="font-family: inherit;"><span lang="HI" style="color: #202124; font-size: 16pt;">तीन</span></span><span class="y2iqfc" style="font-family: inherit;"><span lang="HI" style="color: #202124; font-size: 16pt;"> </span></span><span class="y2iqfc" style="font-family: inherit;"><span lang="HI" style="color: #202124; font-size: 16pt;">साल</span></span><span class="y2iqfc" style="font-family: inherit;"><span style="color: #202124; font-size: 16pt;">, </span></span><span class="y2iqfc" style="font-family: inherit;"><span lang="HI" style="color: #202124; font-size: 16pt;">तीन</span></span><span class="y2iqfc" style="font-family: inherit;"><span lang="HI" style="color: #202124; font-size: 16pt;"> </span></span><span class="y2iqfc" style="font-family: inherit;"><span lang="HI" style="color: #202124; font-size: 16pt;">साल</span></span><span class="y2iqfc" style="font-family: inherit;"><span lang="HI" style="color: #202124; font-size: 16pt;"> </span></span><span class="y2iqfc" style="font-family: inherit;"><span lang="HI" style="color: #202124; font-size: 16pt;">से</span></span><span class="y2iqfc" style="font-family: inherit;"><span lang="HI" style="color: #202124; font-size: 16pt;"> </span></span><span class="y2iqfc" style="font-family: inherit;"><span lang="HI" style="color: #202124; font-size: 16pt;">चार</span></span><span class="y2iqfc" style="font-family: inherit;"><span lang="HI" style="color: #202124; font-size: 16pt;"> </span></span></pre><pre><span class="y2iqfc" style="font-family: inherit;"><span lang="HI" style="color: #202124; font-size: 16pt;">साल</span></span><span class="y2iqfc" style="font-family: inherit;"><span style="color: #202124; font-size: 16pt;">,</span></span><span class="y2iqfc" style="font-family: inherit;"><span lang="HI" style="color: #202124; font-size: 16pt;">चार </span></span><span class="y2iqfc" style="font-family: inherit;"><span lang="HI" style="color: #202124; font-size: 16pt;">से </span></span><span class="y2iqfc" style="font-family: inherit;"><span lang="HI" style="color: #202124; font-size: 16pt;">सात </span></span><span lang="HI" style="color: #202124; font-size: 16pt;">साल</span><span class="y2iqfc" style="font-family: inherit;"><span lang="HI" style="color: #202124; font-size: 16pt;"> </span></span><span class="y2iqfc" style="font-family: inherit;"><span lang="HI" style="color: #202124; font-size: 16pt;">और</span></span><span class="y2iqfc" style="font-family: inherit;"><span lang="HI" style="color: #202124; font-size: 16pt;"> </span></span><span class="y2iqfc" style="font-family: inherit;"><span lang="HI" style="color: #202124; font-size: 16pt;">सात</span></span><span class="y2iqfc" style="font-family: inherit;"><span lang="HI" style="color: #202124; font-size: 16pt;"> </span></span><span class="y2iqfc" style="font-family: inherit;"><span lang="HI" style="color: #202124; font-size: 16pt;">से</span></span><span class="y2iqfc" style="font-family: inherit;"><span lang="HI" style="color: #202124; font-size: 16pt;"> </span></span><span class="y2iqfc" style="font-family: inherit;"><span lang="HI" style="color: #202124; font-size: 16pt;">ज्यादा</span></span><span class="y2iqfc" style="font-family: inherit;"><span lang="HI" style="color: #202124; font-size: 16pt;"> </span></span><span class="y2iqfc" style="font-family: inherit;"><span lang="HI" style="color: #202124; font-size: 16pt;">के</span></span><span class="y2iqfc" style="font-family: inherit;"><span lang="HI" style="color: #202124; font-size: 16pt;"> </span></span><span class="y2iqfc" style="font-family: inherit;"><span lang="HI" style="color: #202124; font-size: 16pt;">पेपर</span></span><span class="y2iqfc" style="font-family: inherit;"><span lang="HI" style="color: #202124; font-size: 16pt;"> </span></span><span class="y2iqfc" style="font-family: inherit;"><span lang="HI" style="color: #202124; font-size: 16pt;">में</span></span><span class="y2iqfc" style="font-family: inherit;"><span lang="HI" style="color: #202124; font-size: 16pt;"> </span></span><span class="y2iqfc" style="font-family: inherit;"><span lang="HI" style="color: #202124; font-size: 16pt;">निवेश</span></span><span class="y2iqfc" style="font-family: inherit;"><span lang="HI" style="color: #202124; font-size: 16pt;"> </span></span><span class="y2iqfc" style="font-family: inherit;"><span lang="HI" style="color: #202124; font-size: 16pt;">करेंगे।</span></span><span class="y2iqfc" style="font-family: inherit;"><span lang="HI" style="color: #202124; font-size: 16pt;"> </span></span><span class="y2iqfc" style="font-family: inherit;"><span lang="HI" style="color: #202124; font-size: 16pt;">क्रमशः</span></span><span class="y2iqfc" style="font-family: inherit;"><span lang="HI" style="color: #202124; font-size: 16pt;"> </span></span><span class="y2iqfc" style="font-family: inherit;"><span lang="HI" style="color: #202124; font-size: 16pt;">वर्ष।</span></span></pre><pre><b><span style="font-family: inherit; font-size: x-large;"><span lang="HI" style="background: rgb(248, 249, 250); color: #202124;">ड्यूरेशन</span><span lang="HI" style="background: rgb(248, 249, 250); color: #202124;"> </span><span lang="HI" style="background: rgb(248, 249, 250); color: #202124;">फंड</span><span style="background: rgb(248, 249, 250); color: #202124;"><o:p></o:p></span></span></b></pre><pre><span style="font-family: inherit;"><span class="y2iqfc"><span lang="HI" style="color: #202124; font-size: 16pt;">ड्यूरेशन</span></span><span class="y2iqfc"><span lang="HI" style="color: #202124; font-size: 16pt;"> </span></span><span class="y2iqfc"><span lang="HI" style="color: #202124; font-size: 16pt;">फंड</span></span><span class="y2iqfc"><span lang="HI" style="color: #202124; font-size: 16pt;"> </span></span><span class="y2iqfc"><span lang="HI" style="color: #202124; font-size: 16pt;">आपको</span></span><span class="y2iqfc"><span lang="HI" style="color: #202124; font-size: 16pt;"> </span></span><span class="y2iqfc"><span lang="HI" style="color: #202124; font-size: 16pt;">अपने</span></span><span class="y2iqfc"><span lang="HI" style="color: #202124; font-size: 16pt;"> </span></span><span class="y2iqfc"><span lang="HI" style="color: #202124; font-size: 16pt;">समय</span></span><span class="y2iqfc"><span lang="HI" style="color: #202124; font-size: 16pt;"> </span></span><span class="y2iqfc"><span lang="HI" style="color: #202124; font-size: 16pt;">के</span></span><span class="y2iqfc"><span lang="HI" style="color: #202124; font-size: 16pt;"> </span></span><span class="y2iqfc"><span lang="HI" style="color: #202124; font-size: 16pt;">आधार</span></span><span class="y2iqfc"><span lang="HI" style="color: #202124; font-size: 16pt;"> </span></span><span class="y2iqfc"><span lang="HI" style="color: #202124; font-size: 16pt;">पर</span></span><span class="y2iqfc"><span lang="HI" style="color: #202124; font-size: 16pt;"> </span></span><span class="y2iqfc"><span lang="HI" style="color: #202124; font-size: 16pt;">फंड</span></span><span class="y2iqfc"><span lang="HI" style="color: #202124; font-size: 16pt;"> </span></span><span class="y2iqfc"><span lang="HI" style="color: #202124; font-size: 16pt;">में</span></span><span class="y2iqfc"><span lang="HI" style="color: #202124; font-size: 16pt;"> </span></span><span class="y2iqfc"><span lang="HI" style="color: #202124; font-size: 16pt;">निवेश</span></span><span class="y2iqfc"><span lang="HI" style="color: #202124; font-size: 16pt;"> </span></span><span class="y2iqfc"><span lang="HI" style="color: #202124; font-size: 16pt;">करने</span></span><span class="y2iqfc"><span lang="HI" style="color: #202124; font-size: 16pt;"> </span></span><span class="y2iqfc"><span lang="HI" style="color: #202124; font-size: 16pt;">में</span></span><span class="y2iqfc"><span lang="HI" style="color: #202124; font-size: 16pt;"> </span></span><span class="y2iqfc"><span lang="HI" style="color: #202124; font-size: 16pt;">मदद</span></span><span class="y2iqfc"><span lang="HI" style="color: #202124; font-size: 16pt;"> </span></span><span class="y2iqfc"><span lang="HI" style="color: #202124; font-size: 16pt;">करेंगे।</span></span><span lang="HI" style="color: #202124; font-size: 16pt;">उदाहरण</span><span class="y2iqfc"><span lang="HI" style="color: #202124; font-size: 16pt;"> </span></span><span class="y2iqfc"><span lang="HI" style="color: #202124; font-size: 16pt;">के</span></span><span class="y2iqfc"><span lang="HI" style="color: #202124; font-size: 16pt;"> </span></span><span class="y2iqfc"><span lang="HI" style="color: #202124; font-size: 16pt;">लिए</span></span><span class="y2iqfc"><span style="color: #202124; font-size: 16pt;">, </span></span><span class="y2iqfc"><span lang="HI" style="color: #202124; font-size: 16pt;">यदि</span></span></span></pre><pre><span style="font-family: inherit;"><span class="y2iqfc"><span lang="HI" style="color: #202124; font-size: 16pt;">आप</span></span><span class="y2iqfc"><span lang="HI" style="color: #202124; font-size: 16pt;"> </span></span><span class="y2iqfc"><span lang="HI" style="color: #202124; font-size: 16pt;">अगले</span></span><span class="y2iqfc"><span lang="HI" style="color: #202124; font-size: 16pt;"> </span></span><span class="y2iqfc"><span lang="HI" style="color: #202124; font-size: 16pt;">छह</span></span><span class="y2iqfc"><span lang="HI" style="color: #202124; font-size: 16pt;"> </span></span><span class="y2iqfc"><span lang="HI" style="color: #202124; font-size: 16pt;">से</span></span><span class="y2iqfc"><span lang="HI" style="color: #202124; font-size: 16pt;"> 12 </span></span><span class="y2iqfc"><span lang="HI" style="color: #202124; font-size: 16pt;">महीनों</span></span><span class="y2iqfc"><span lang="HI" style="color: #202124; font-size: 16pt;"> </span></span><span class="y2iqfc"><span lang="HI" style="color: #202124; font-size: 16pt;">में</span></span><span class="y2iqfc"><span lang="HI" style="color: #202124; font-size: 16pt;"> </span></span></span><span lang="HI" style="color: #202124; font-size: 16pt;">छुट्टी</span><span class="y2iqfc" style="font-family: inherit;"><span lang="HI" style="color: #202124; font-size: 16pt;"> </span></span><span class="y2iqfc" style="font-family: inherit;"><span lang="HI" style="color: #202124; font-size: 16pt;">की</span></span><span class="y2iqfc" style="font-family: inherit;"><span lang="HI" style="color: #202124; font-size: 16pt;"> </span></span><span class="y2iqfc" style="font-family: inherit;"><span lang="HI" style="color: #202124; font-size: 16pt;">योजना</span></span><span class="y2iqfc" style="font-family: inherit;"><span lang="HI" style="color: #202124; font-size: 16pt;"> </span></span><span class="y2iqfc" style="font-family: inherit;"><span lang="HI" style="color: #202124; font-size: 16pt;">बना</span></span><span class="y2iqfc" style="font-family: inherit;"><span lang="HI" style="color: #202124; font-size: 16pt;"> </span></span><span class="y2iqfc" style="font-family: inherit;"><span lang="HI" style="color: #202124; font-size: 16pt;">रहे </span></span><span lang="HI" style="color: #202124; font-family: inherit; font-size: 16pt;"> </span><span class="y2iqfc" style="font-family: inherit;"><span lang="HI" style="color: #202124; font-size: 16pt;">हैं</span></span><span class="y2iqfc" style="font-family: inherit;"><span style="color: #202124; font-size: 16pt;">, </span></span><span class="y2iqfc" style="font-family: inherit;"><span lang="HI" style="color: #202124; font-size: 16pt;">तो</span></span><span class="y2iqfc" style="font-family: inherit;"><span lang="HI" style="color: #202124; font-size: 16pt;"> </span></span><span class="y2iqfc" style="font-family: inherit;"><span lang="HI" style="color: #202124; font-size: 16pt;">आप</span></span><span class="y2iqfc" style="font-family: inherit;"><span lang="HI" style="color: #202124; font-size: 16pt;"> </span></span><span class="y2iqfc" style="font-family: inherit;"><span lang="HI" style="color: #202124; font-size: 16pt;">कम</span></span><span class="y2iqfc" style="font-family: inherit;"><span lang="HI" style="color: #202124; font-size: 16pt;"> </span></span><span class="y2iqfc" style="font-family: inherit;"><span lang="HI" style="color: #202124; font-size: 16pt;">अवधि</span></span><span class="y2iqfc" style="font-family: inherit;"><span lang="HI" style="color: #202124; font-size: 16pt;"> </span></span><span class="y2iqfc" style="font-family: inherit;"><span lang="HI" style="color: #202124; font-size: 16pt;">के</span></span><span class="y2iqfc" style="font-family: inherit;"><span lang="HI" style="color: #202124; font-size: 16pt;"> </span></span><span class="y2iqfc" style="font-family: inherit;"><span lang="HI" style="color: #202124; font-size: 16pt;">फंड</span></span><span class="y2iqfc" style="font-family: inherit;"><span lang="HI" style="color: #202124; font-size: 16pt;"> </span></span><span class="y2iqfc" style="font-family: inherit;"><span lang="HI" style="color: #202124; font-size: 16pt;">में</span></span><span class="y2iqfc" style="font-family: inherit;"><span lang="HI" style="color: #202124; font-size: 16pt;"> </span></span><span class="y2iqfc" style="font-family: inherit;"><span lang="HI" style="color: #202124; font-size: 16pt;">निवेश</span></span><span class="y2iqfc" style="font-family: inherit;"><span lang="HI" style="color: #202124; font-size: 16pt;"> </span></span><span class="y2iqfc" style="font-family: inherit;"><span lang="HI" style="color: #202124; font-size: 16pt;">कर</span></span><span class="y2iqfc" style="font-family: inherit;"><span lang="HI" style="color: #202124; font-size: 16pt;"> </span></span><span class="y2iqfc" style="font-family: inherit;"><span lang="HI" style="color: #202124; font-size: 16pt;">सकते</span></span><span class="y2iqfc" style="font-family: inherit;"><span lang="HI" style="color: #202124; font-size: 16pt;"> </span></span><span class="y2iqfc" style="font-family: inherit;"><span lang="HI" style="color: #202124; font-size: 16pt;">हैं।</span></span></pre><div><b><span style="font-family: inherit; font-size: large;"><span lang="HI" style="color: #202124;">डायनेमिक</span><span class="y2iqfc"><span lang="HI" style="color: #202124;"> </span></span><span class="y2iqfc"><span lang="HI" style="color: #202124;">बॉन्ड</span></span><span class="y2iqfc"><span lang="HI" style="color: #202124;"> </span></span><span class="y2iqfc"><span lang="HI" style="color: #202124;">फंड</span></span><span class="y2iqfc"><span style="color: #202124;">:</span></span></span></b></div><pre><span style="font-family: inherit;"><span class="y2iqfc"><span lang="HI" style="color: #202124; font-size: 16pt;">जबकि</span></span><span class="y2iqfc"><span lang="HI" style="color: #202124; font-size: 16pt;"> </span></span><span class="y2iqfc"><span lang="HI" style="color: #202124; font-size: 16pt;">अवधि</span></span><span class="y2iqfc"><span lang="HI" style="color: #202124; font-size: 16pt;"> </span></span><span class="y2iqfc"><span lang="HI" style="color: #202124; font-size: 16pt;">फंड</span></span><span class="y2iqfc"><span lang="HI" style="color: #202124; font-size: 16pt;"> </span></span><span class="y2iqfc"><span lang="HI" style="color: #202124; font-size: 16pt;">एक</span></span><span class="y2iqfc"><span lang="HI" style="color: #202124; font-size: 16pt;"> </span></span><span class="y2iqfc"><span lang="HI" style="color: #202124; font-size: 16pt;">निश्चित</span></span><span class="y2iqfc"><span lang="HI" style="color: #202124; font-size: 16pt;"> </span></span><span class="y2iqfc"><span lang="HI" style="color: #202124; font-size: 16pt;">परिपक्वता</span></span><span class="y2iqfc"><span lang="HI" style="color: #202124; font-size: 16pt;"> </span></span><span class="y2iqfc"><span lang="HI" style="color: #202124; font-size: 16pt;">अवधि</span></span><span class="y2iqfc"><span lang="HI" style="color: #202124; font-size: 16pt;"> </span></span><span class="y2iqfc"><span lang="HI" style="color: #202124; font-size: 16pt;">वाले</span></span><span class="y2iqfc"><span lang="HI" style="color: #202124; font-size: 16pt;"> </span></span><span class="y2iqfc"><span lang="HI" style="color: #202124; font-size: 16pt;">कागजात</span></span><span class="y2iqfc"><span lang="HI" style="color: #202124; font-size: 16pt;"> </span></span><span class="y2iqfc"><span lang="HI" style="color: #202124; font-size: 16pt;">में</span></span><span class="y2iqfc"><span lang="HI" style="color: #202124; font-size: 16pt;"> </span></span><span class="y2iqfc"><span lang="HI" style="color: #202124; font-size: 16pt;">निवेश</span></span><span class="y2iqfc"><span lang="HI" style="color: #202124; font-size: 16pt;"> </span></span><span class="y2iqfc"><span lang="HI" style="color: #202124; font-size: 16pt;">करते</span></span><span class="y2iqfc"><span lang="HI" style="color: #202124; font-size: 16pt;"> </span></span><span class="y2iqfc"><span lang="HI" style="color: #202124; font-size: 16pt;">हैं</span></span><span style="color: #202124; font-size: 16pt;">, </span><span class="y2iqfc"><span lang="HI" style="color: #202124; font-size: 16pt;">डायनेमिक</span></span><span class="y2iqfc"><span lang="HI" style="color: #202124; font-size: 16pt;"> </span></span><span class="y2iqfc"><span lang="HI" style="color: #202124; font-size: 16pt;">बॉन्ड</span></span><span class="y2iqfc"><span lang="HI" style="color: #202124; font-size: 16pt;"> </span></span><span class="y2iqfc"><span lang="HI" style="color: #202124; font-size: 16pt;">फंड</span></span><span class="y2iqfc"><span lang="HI" style="color: #202124; font-size: 16pt;"> </span></span></span></pre><pre><span style="font-family: inherit;"><span class="y2iqfc"><span lang="HI" style="color: #202124; font-size: 16pt;">अलग</span></span><span class="y2iqfc"><span lang="HI" style="color: #202124; font-size: 16pt;">-</span></span><span class="y2iqfc"><span lang="HI" style="color: #202124; font-size: 16pt;">अलग</span></span><span class="y2iqfc"><span lang="HI" style="color: #202124; font-size: 16pt;"> </span></span></span><span style="font-family: inherit;"><span class="y2iqfc"><span lang="HI" style="color: #202124; font-size: 16pt;">समय</span></span><span class="y2iqfc"><span lang="HI" style="color: #202124; font-size: 16pt;"> </span></span><span class="y2iqfc"><span lang="HI" style="color: #202124; font-size: 16pt;">अवधि</span></span><span class="y2iqfc"><span lang="HI" style="color: #202124; font-size: 16pt;"> </span></span><span class="y2iqfc"><span lang="HI" style="color: #202124; font-size: 16pt;">में</span></span><span class="y2iqfc"><span lang="HI" style="color: #202124; font-size: 16pt;"> </span></span><span class="y2iqfc"><span lang="HI" style="color: #202124; font-size: 16pt;">परिपक्व </span></span></span><span lang="HI" style="color: #202124; font-size: 16pt;">होने</span><span class="y2iqfc" style="font-family: inherit;"><span lang="HI" style="color: #202124; font-size: 16pt;"> </span></span><span class="y2iqfc" style="font-family: inherit;"><span lang="HI" style="color: #202124; font-size: 16pt;">वाले</span></span><span class="y2iqfc" style="font-family: inherit;"><span lang="HI" style="color: #202124; font-size: 16pt;"> </span></span><span class="y2iqfc" style="font-family: inherit;"><span lang="HI" style="color: #202124; font-size: 16pt;">कागजात</span></span><span class="y2iqfc" style="font-family: inherit;"><span lang="HI" style="color: #202124; font-size: 16pt;"> </span></span><span lang="HI" style="color: #202124; font-family: inherit; font-size: 16pt;">में</span><span class="y2iqfc" style="font-family: inherit;"><span lang="HI" style="color: #202124; font-size: 16pt;"> </span></span><span class="y2iqfc" style="font-family: inherit;"><span lang="HI" style="color: #202124; font-size: 16pt;">निवेश</span></span><span class="y2iqfc" style="font-family: inherit;"><span lang="HI" style="color: #202124; font-size: 16pt;"> </span></span><span class="y2iqfc" style="font-family: inherit;"><span lang="HI" style="color: #202124; font-size: 16pt;">कर</span></span><span class="y2iqfc" style="font-family: inherit;"><span lang="HI" style="color: #202124; font-size: 16pt;"> </span></span><span class="y2iqfc" style="font-family: inherit;"><span lang="HI" style="color: #202124; font-size: 16pt;">सकते</span></span><span class="y2iqfc" style="font-family: inherit;"><span lang="HI" style="color: #202124; font-size: 16pt;"> </span></span><span class="y2iqfc" style="font-family: inherit;"><span lang="HI" style="color: #202124; font-size: 16pt;">हैं।</span></span><span class="y2iqfc" style="font-family: inherit;"><span lang="HI" style="color: #202124; font-size: 16pt;"> </span></span><span class="y2iqfc" style="font-family: inherit;"><span lang="HI" style="color: #202124; font-size: 16pt;">इन</span></span><span class="y2iqfc" style="font-family: inherit;"><span lang="HI" style="color: #202124; font-size: 16pt;"> </span></span><span class="y2iqfc" style="font-family: inherit;"><span lang="HI" style="color: #202124; font-size: 16pt;">फंडों</span></span><span class="y2iqfc" style="font-family: inherit;"><span lang="HI" style="color: #202124; font-size: 16pt;"> </span></span><span class="y2iqfc" style="font-family: inherit;"><span lang="HI" style="color: #202124; font-size: 16pt;">के</span></span><span class="y2iqfc" style="font-family: inherit;"><span lang="HI" style="color: #202124; font-size: 16pt;"> </span></span><span class="y2iqfc" style="font-family: inherit;"><span lang="HI" style="color: #202124; font-size: 16pt;">कागजात</span></span></pre><pre><span class="y2iqfc" style="font-family: inherit;"><span lang="HI" style="color: #202124; font-size: 16pt;">की</span></span><span class="y2iqfc" style="font-family: inherit;"><span lang="HI" style="color: #202124; font-size: 16pt;"> </span></span><span class="y2iqfc" style="font-family: inherit;"><span lang="HI" style="color: #202124; font-size: 16pt;">औसत</span></span><span class="y2iqfc" style="font-family: inherit;"><span lang="HI" style="color: #202124; font-size: 16pt;"> </span></span><span class="y2iqfc" style="font-family: inherit;"><span lang="HI" style="color: #202124; font-size: 16pt;">परिपक्वता</span></span><span class="y2iqfc" style="font-family: inherit;"><span lang="HI" style="color: #202124; font-size: 16pt;"> </span></span><span class="y2iqfc" style="font-family: inherit;"><span lang="HI" style="color: #202124; font-size: 16pt;">ब्याज </span></span><span lang="HI" style="color: #202124; font-size: 16pt;">दर</span><span class="y2iqfc" style="font-family: inherit;"><span lang="HI" style="color: #202124; font-size: 16pt;"> </span></span><span lang="HI" style="color: #202124; font-family: inherit; font-size: 16pt;">परिदृश्यों</span><span class="y2iqfc" style="font-family: inherit;"><span lang="HI" style="color: #202124; font-size: 16pt;"> </span></span><span class="y2iqfc" style="font-family: inherit;"><span lang="HI" style="color: #202124; font-size: 16pt;">पर</span></span><span class="y2iqfc" style="font-family: inherit;"><span lang="HI" style="color: #202124; font-size: 16pt;"> </span></span><span class="y2iqfc" style="font-family: inherit;"><span lang="HI" style="color: #202124; font-size: 16pt;">निर्भर</span></span><span class="y2iqfc" style="font-family: inherit;"><span lang="HI" style="color: #202124; font-size: 16pt;"> </span></span><span class="y2iqfc" style="font-family: inherit;"><span lang="HI" style="color: #202124; font-size: 16pt;">करेगी।</span></span><span class="y2iqfc" style="font-family: inherit;"><span lang="HI" style="color: #202124; font-size: 16pt;"> </span></span><span class="y2iqfc" style="font-family: inherit;"><span lang="HI" style="color: #202124; font-size: 16pt;">अगर</span></span><span class="y2iqfc" style="font-family: inherit;"><span lang="HI" style="color: #202124; font-size: 16pt;"> </span></span><span class="y2iqfc" style="font-family: inherit;"><span lang="HI" style="color: #202124; font-size: 16pt;">फंड</span></span><span class="y2iqfc" style="font-family: inherit;"><span lang="HI" style="color: #202124; font-size: 16pt;"> </span></span><span class="y2iqfc" style="font-family: inherit;"><span lang="HI" style="color: #202124; font-size: 16pt;">मैनेजर </span></span><span lang="HI" style="color: #202124; font-size: 16pt;">का</span><span class="y2iqfc" style="font-family: inherit;"><span lang="HI" style="color: #202124; font-size: 16pt;"> </span></span><span class="y2iqfc" style="font-family: inherit;"><span lang="HI" style="color: #202124; font-size: 16pt;">मानना</span></span><span class="y2iqfc" style="font-family: inherit;"><span lang="HI" style="color: #202124; font-size: 16pt;"> </span></span><span class="y2iqfc" style="font-family: inherit;"><span lang="HI" style="color: #202124; font-size: 16pt;">है</span></span><span class="y2iqfc" style="font-family: inherit;"><span lang="HI" style="color: #202124; font-size: 16pt;"> </span></span><span class="y2iqfc" style="font-family: inherit;"><span lang="HI" style="color: #202124; font-size: 16pt;">कि</span></span><span class="y2iqfc" style="font-family: inherit;"><span lang="HI" style="color: #202124; font-size: 16pt;"> </span></span><span class="y2iqfc" style="font-family: inherit;"><span lang="HI" style="color: #202124; font-size: 16pt;">ब्याज</span></span><span class="y2iqfc" style="font-family: inherit;"><span lang="HI" style="color: #202124; font-size: 16pt;"> </span></span></pre><pre><span class="y2iqfc" style="font-family: inherit;"><span lang="HI" style="color: #202124; font-size: 16pt;">दर</span></span><span lang="HI" style="font-family: inherit; font-size: 16pt;"> </span><span class="y2iqfc" style="font-family: inherit;"><span lang="HI" style="color: #202124; font-size: 16pt;">इंच</span></span><span class="y2iqfc" style="font-family: inherit;"><span lang="HI" style="color: #202124; font-size: 16pt;"> </span></span><span class="y2iqfc" style="font-family: inherit;"><span lang="HI" style="color: #202124; font-size: 16pt;">कम</span></span><span class="y2iqfc" style="font-family: inherit;"><span lang="HI" style="color: #202124; font-size: 16pt;"> </span></span><span lang="HI" style="color: #202124; font-family: inherit; font-size: 16pt;">होने</span><span class="y2iqfc" style="font-family: inherit;"><span lang="HI" style="color: #202124; font-size: 16pt;"> </span></span><span class="y2iqfc" style="font-family: inherit;"><span lang="HI" style="color: #202124; font-size: 16pt;">की</span></span><span class="y2iqfc" style="font-family: inherit;"><span lang="HI" style="color: #202124; font-size: 16pt;"> </span></span><span class="y2iqfc" style="font-family: inherit;"><span lang="HI" style="color: #202124; font-size: 16pt;">संभावना</span></span><span class="y2iqfc" style="font-family: inherit;"><span lang="HI" style="color: #202124; font-size: 16pt;"> </span></span><span class="y2iqfc" style="font-family: inherit;"><span lang="HI" style="color: #202124; font-size: 16pt;">है</span></span><span class="y2iqfc" style="font-family: inherit;"><span style="color: #202124; font-size: 16pt;">, </span></span><span class="y2iqfc" style="font-family: inherit;"><span lang="HI" style="color: #202124; font-size: 16pt;">वे</span></span><span class="y2iqfc" style="font-family: inherit;"><span lang="HI" style="color: #202124; font-size: 16pt;"> </span></span><span class="y2iqfc" style="font-family: inherit;"><span lang="HI" style="color: #202124; font-size: 16pt;">लंबी </span></span><span lang="HI" style="color: #202124; font-size: 16pt;">अवधि</span><span class="y2iqfc" style="font-family: inherit;"><span lang="HI" style="color: #202124; font-size: 16pt;"> </span></span><span class="y2iqfc" style="font-family: inherit;"><span lang="HI" style="color: #202124; font-size: 16pt;">के</span></span><span class="y2iqfc" style="font-family: inherit;"><span lang="HI" style="color: #202124; font-size: 16pt;"> </span></span><span class="y2iqfc" style="font-family: inherit;"><span lang="HI" style="color: #202124; font-size: 16pt;">बॉन्ड</span></span><span class="y2iqfc" style="font-family: inherit;"><span lang="HI" style="color: #202124; font-size: 16pt;"> </span></span><span class="y2iqfc" style="font-family: inherit;"><span lang="HI" style="color: #202124; font-size: 16pt;">जैसे</span></span><span class="y2iqfc" style="font-family: inherit;"><span lang="HI" style="color: #202124; font-size: 16pt;"> </span></span><span class="y2iqfc" style="font-family: inherit;"><span lang="HI" style="color: #202124; font-size: 16pt;">सरकारी</span></span><span class="y2iqfc" style="font-family: inherit;"><span lang="HI" style="color: #202124; font-size: 16pt;"> </span></span><span class="y2iqfc" style="font-family: inherit;"><span lang="HI" style="color: #202124; font-size: 16pt;">बॉन्ड</span></span><span class="y2iqfc" style="font-family: inherit;"><span lang="HI" style="color: #202124; font-size: 16pt;"> </span></span><span class="y2iqfc" style="font-family: inherit;"><span lang="HI" style="color: #202124; font-size: 16pt;">और</span></span><span class="y2iqfc" style="font-family: inherit;"><span lang="HI" style="color: #202124; font-size: 16pt;"> </span></span><span class="y2iqfc" style="font-family: inherit;"><span lang="HI" style="color: #202124; font-size: 16pt;">इसके</span></span><span class="y2iqfc" style="font-family: inherit;"><span lang="HI" style="color: #202124; font-size: 16pt;"> </span></span><span class="y2iqfc" style="font-family: inherit;"><span lang="HI" style="color: #202124; font-size: 16pt;">विपरीत </span></span></pre><pre><span class="y2iqfc" style="font-family: inherit;"><span lang="HI" style="color: #202124; font-size: 16pt;">के</span></span><span class="y2iqfc" style="font-family: inherit;"><span lang="HI" style="color: #202124; font-size: 16pt;"> </span></span><span class="y2iqfc" style="font-family: inherit;"><span lang="HI" style="color: #202124; font-size: 16pt;">आवंटन</span></span><span class="y2iqfc" style="font-family: inherit;"><span lang="HI" style="color: #202124; font-size: 16pt;"> </span></span><span class="y2iqfc" style="font-family: inherit;"><span lang="HI" style="color: #202124; font-size: 16pt;">में</span></span><span class="y2iqfc" style="font-family: inherit;"><span lang="HI" style="color: #202124; font-size: 16pt;"> </span></span><span class="y2iqfc" style="font-family: inherit;"><span lang="HI" style="color: #202124; font-size: 16pt;">वृद्धि</span></span><span class="y2iqfc" style="font-family: inherit;"><span lang="HI" style="color: #202124; font-size: 16pt;"> </span></span><span class="y2iqfc" style="font-family: inherit;"><span lang="HI" style="color: #202124; font-size: 16pt;">करेंगे।</span></span></pre><pre><span class="y2iqfc"><span style="color: #202124; font-size: 16pt;"><span style="font-family: inherit;"><o:p></o:p></span></span></span></pre><pre><b><span style="font-family: inherit; font-size: x-large;"><span class="y2iqfc"><span lang="HI" style="color: #202124;">कॉर्पोरेट</span></span><span class="y2iqfc"><span lang="HI" style="color: #202124;"> </span></span><span class="y2iqfc"><span lang="HI" style="color: #202124;">बॉन्ड</span></span><span class="y2iqfc"><span lang="HI" style="color: #202124;"> </span></span><span class="y2iqfc"><span lang="HI" style="color: #202124;">फंड</span></span></span></b></pre><pre><span style="font-family: inherit;"><span class="y2iqfc"><span lang="HI" style="color: #202124; font-size: 16pt;">कॉरपोरेट</span></span><span class="y2iqfc"><span lang="HI" style="color: #202124; font-size: 16pt;"> </span></span><span class="y2iqfc"><span lang="HI" style="color: #202124; font-size: 16pt;">बॉन्डफंड</span></span><span class="y2iqfc"><span lang="HI" style="color: #202124; font-size: 16pt;"> </span></span><span class="y2iqfc"><span lang="HI" style="color: #202124; font-size: 16pt;">मुख्य</span></span><span class="y2iqfc"><span lang="HI" style="color: #202124; font-size: 16pt;"> </span></span><span class="y2iqfc"><span lang="HI" style="color: #202124; font-size: 16pt;">रूप</span></span><span class="y2iqfc"><span lang="HI" style="color: #202124; font-size: 16pt;"> </span></span><span class="y2iqfc"><span lang="HI" style="color: #202124; font-size: 16pt;">से</span></span><span class="y2iqfc"><span lang="HI" style="color: #202124; font-size: 16pt;"> </span></span><span class="y2iqfc"><span lang="HI" style="color: #202124; font-size: 16pt;">उच्च</span></span><span class="y2iqfc"><span lang="HI" style="color: #202124; font-size: 16pt;"> </span></span><span class="y2iqfc"><span lang="HI" style="color: #202124; font-size: 16pt;">रेटिंग</span></span><span class="y2iqfc"><span lang="HI" style="color: #202124; font-size: 16pt;"> </span></span><span class="y2iqfc"><span lang="HI" style="color: #202124; font-size: 16pt;">वाले</span></span><span class="y2iqfc"><span lang="HI" style="color: #202124; font-size: 16pt;"> </span></span><span class="y2iqfc"><span lang="HI" style="color: #202124; font-size: 16pt;">कॉरपोरेट</span></span><span class="y2iqfc"><span lang="HI" style="color: #202124; font-size: 16pt;"> </span></span><span class="y2iqfc"><span lang="HI" style="color: #202124; font-size: 16pt;">बॉन्ड</span></span><span class="y2iqfc"><span lang="HI" style="color: #202124; font-size: 16pt;"> </span></span><span class="y2iqfc"><span lang="HI" style="color: #202124; font-size: 16pt;">में</span></span><span class="y2iqfc"><span lang="HI" style="color: #202124; font-size: 16pt;"> </span></span><span class="y2iqfc"><span lang="HI" style="color: #202124; font-size: 16pt;">निवेश</span></span><span class="y2iqfc"><span lang="HI" style="color: #202124; font-size: 16pt;"> </span></span><span class="y2iqfc"><span lang="HI" style="color: #202124; font-size: 16pt;">करते</span></span><span class="y2iqfc"><span lang="HI" style="color: #202124; font-size: 16pt;"> </span></span><span class="y2iqfc"><span lang="HI" style="color: #202124; font-size: 16pt;">हैं।</span></span><span lang="HI" style="color: #202124; font-size: 16pt;">कॉरपोरेट</span><span class="y2iqfc"><span lang="HI" style="color: #202124; font-size: 16pt;"> </span></span><span class="y2iqfc"><span lang="HI" style="color: #202124; font-size: 16pt;">बॉन्ड</span></span><span class="y2iqfc"><span lang="HI" style="color: #202124; font-size: 16pt;"> </span></span><span class="y2iqfc"><span lang="HI" style="color: #202124; font-size: 16pt;">विभिन्न</span></span><span class="y2iqfc"><span lang="HI" style="color: #202124; font-size: 16pt;"> </span></span><span class="y2iqfc"><span lang="HI" style="color: #202124; font-size: 16pt;">कंपनियों</span></span></span></pre><pre><span style="font-family: inherit;"><span class="y2iqfc"><span lang="HI" style="color: #202124; font-size: 16pt;">द्वारा</span></span><span class="y2iqfc"><span lang="HI" style="color: #202124; font-size: 16pt;"> </span></span><span class="y2iqfc"><span lang="HI" style="color: #202124; font-size: 16pt;">जारी</span></span><span class="y2iqfc"><span lang="HI" style="color: #202124; font-size: 16pt;"> </span></span><span class="y2iqfc"><span lang="HI" style="color: #202124; font-size: 16pt;">किए</span></span><span class="y2iqfc"><span lang="HI" style="color: #202124; font-size: 16pt;"> </span></span><span class="y2iqfc"><span lang="HI" style="color: #202124; font-size: 16pt;">जाते</span></span><span class="y2iqfc"><span lang="HI" style="color: #202124; font-size: 16pt;"> </span></span><span class="y2iqfc"><span lang="HI" style="color: #202124; font-size: 16pt;">हैं।</span></span><span class="y2iqfc"><span lang="HI" style="color: #202124; font-size: 16pt;"> </span></span></span></pre><pre><span style="font-family: inherit;"><span class="y2iqfc"><span lang="HI" style="color: #202124; font-size: 16pt;">सेबी</span></span><span class="y2iqfc"><span lang="HI" style="color: #202124; font-size: 16pt;"> </span></span><span class="y2iqfc"><span lang="HI" style="color: #202124; font-size: 16pt;">के</span></span><span class="y2iqfc"><span lang="HI" style="color: #202124; font-size: 16pt;"> </span></span><span class="y2iqfc"><span lang="HI" style="color: #202124; font-size: 16pt;">हालिया</span></span><span class="y2iqfc"><span lang="HI" style="color: #202124; font-size: 16pt;"> </span></span><span lang="HI" style="color: #202124; font-size: 16pt;">दिशानिर्देशों</span><span class="y2iqfc"><span lang="HI" style="color: #202124; font-size: 16pt;"> </span></span><span class="y2iqfc"><span lang="HI" style="color: #202124; font-size: 16pt;">के</span></span><span class="y2iqfc"><span lang="HI" style="color: #202124; font-size: 16pt;"> </span></span><span class="y2iqfc"><span lang="HI" style="color: #202124; font-size: 16pt;">अनुसार</span></span><span class="y2iqfc"><span style="color: #202124; font-size: 16pt;">, </span></span><span class="y2iqfc"><span lang="HI" style="color: #202124; font-size: 16pt;">कॉरपोरेट</span></span><span class="y2iqfc"><span lang="HI" style="color: #202124; font-size: 16pt;"> </span></span><span class="y2iqfc"><span lang="HI" style="color: #202124; font-size: 16pt;">बॉन्ड</span></span><span class="y2iqfc"><span lang="HI" style="color: #202124; font-size: 16pt;"> </span></span><span class="y2iqfc"><span lang="HI" style="color: #202124; font-size: 16pt;">फंडों</span></span><span class="y2iqfc"><span lang="HI" style="color: #202124; font-size: 16pt;"> </span></span><span class="y2iqfc"><span lang="HI" style="color: #202124; font-size: 16pt;">को</span></span><span class="y2iqfc"><span lang="HI" style="color: #202124; font-size: 16pt;"> </span></span><span class="y2iqfc"><span lang="HI" style="color: #202124; font-size: 16pt;">अपने</span></span><span class="y2iqfc"><span lang="HI" style="color: #202124; font-size: 16pt;"> </span></span><span class="y2iqfc"><span lang="HI" style="color: #202124; font-size: 16pt;">पोर्टफोलियो</span></span><span class="y2iqfc"><span lang="HI" style="color: #202124; font-size: 16pt;"> </span></span><span class="y2iqfc"><span lang="HI" style="color: #202124; font-size: 16pt;">का</span></span><span class="y2iqfc"><span lang="HI" style="color: #202124; font-size: 16pt;"> </span></span><span class="y2iqfc"><span lang="HI" style="color: #202124; font-size: 16pt;">लगभग</span></span><span class="y2iqfc"><span lang="HI" style="color: #202124; font-size: 16pt;"> </span></span><span lang="HI" style="color: #202124; font-size: 16pt;">80% </span><span class="y2iqfc"><span lang="HI" style="color: #202124; font-size: 16pt;">एएए</span></span><span class="y2iqfc"><span lang="HI" style="color: #202124; font-size: 16pt;">-</span></span><span class="y2iqfc"><span lang="HI" style="color: #202124; font-size: 16pt;">रेटेड</span></span><span class="y2iqfc"><span lang="HI" style="color: #202124; font-size: 16pt;"> </span></span></span></pre><pre><span style="font-family: inherit;"><span class="y2iqfc"><span lang="HI" style="color: #202124; font-size: 16pt;">कॉरपोरेट</span></span><span class="y2iqfc"><span lang="HI" style="color: #202124; font-size: 16pt;"> </span></span><span class="y2iqfc"><span lang="HI" style="color: #202124; font-size: 16pt;">बॉन्ड</span></span><span class="y2iqfc"><span lang="HI" style="color: #202124; font-size: 16pt;"> </span></span><span class="y2iqfc"><span lang="HI" style="color: #202124; font-size: 16pt;">फंड</span></span><span class="y2iqfc"><span lang="HI" style="color: #202124; font-size: 16pt;"> </span></span><span class="y2iqfc"><span lang="HI" style="color: #202124; font-size: 16pt;">में</span></span><span class="y2iqfc"><span lang="HI" style="color: #202124; font-size: 16pt;"> </span></span><span class="y2iqfc"><span lang="HI" style="color: #202124; font-size: 16pt;">निवेश</span></span><span class="y2iqfc"><span lang="HI" style="color: #202124; font-size: 16pt;"> </span></span></span><span lang="HI" style="color: #202124; font-size: 16pt;">करना</span><span class="y2iqfc" style="font-family: inherit;"><span lang="HI" style="color: #202124; font-size: 16pt;"> </span></span><span class="y2iqfc" style="font-family: inherit;"><span lang="HI" style="color: #202124; font-size: 16pt;">होता</span></span><span class="y2iqfc" style="font-family: inherit;"><span lang="HI" style="color: #202124; font-size: 16pt;"> </span></span><span class="y2iqfc" style="font-family: inherit;"><span lang="HI" style="color: #202124; font-size: 16pt;">है।</span></span><span class="y2iqfc" style="font-family: inherit;"><span lang="HI" style="color: #202124; font-size: 16pt;"> </span></span><span class="y2iqfc" style="font-family: inherit;"><span lang="HI" style="color: #202124; font-size: 16pt;">कॉरपोरेट</span></span><span class="y2iqfc" style="font-family: inherit;"><span lang="HI" style="color: #202124; font-size: 16pt;"> </span></span><span class="y2iqfc" style="font-family: inherit;"><span lang="HI" style="color: #202124; font-size: 16pt;">बॉन्ड</span></span><span class="y2iqfc" style="font-family: inherit;"><span lang="HI" style="color: #202124; font-size: 16pt;"> </span></span><span class="y2iqfc" style="font-family: inherit;"><span lang="HI" style="color: #202124; font-size: 16pt;">फंड </span></span><span lang="HI" style="color: #202124; font-family: inherit; font-size: 16pt;">अल्ट्रा</span><span class="y2iqfc" style="font-family: inherit;"><span lang="HI" style="color: #202124; font-size: 16pt;">-</span></span><span class="y2iqfc" style="font-family: inherit;"><span lang="HI" style="color: #202124; font-size: 16pt;">शॉर्ट</span></span><span class="y2iqfc" style="font-family: inherit;"><span lang="HI" style="color: #202124; font-size: 16pt;"> </span></span><span class="y2iqfc" style="font-family: inherit;"><span lang="HI" style="color: #202124; font-size: 16pt;">और</span></span><span class="y2iqfc" style="font-family: inherit;"><span lang="HI" style="color: #202124; font-size: 16pt;"> </span></span><span class="y2iqfc" style="font-family: inherit;"><span lang="HI" style="color: #202124; font-size: 16pt;">शॉर्ट</span></span><span class="y2iqfc" style="font-family: inherit;"><span lang="HI" style="color: #202124; font-size: 16pt;"> </span></span><span class="y2iqfc" style="font-family: inherit;"><span lang="HI" style="color: #202124; font-size: 16pt;">टर्म</span></span><span class="y2iqfc" style="font-family: inherit;"><span lang="HI" style="color: #202124; font-size: 16pt;"> </span></span><span class="y2iqfc" style="font-family: inherit;"><span lang="HI" style="color: #202124; font-size: 16pt;">फंड</span></span><span class="y2iqfc" style="font-family: inherit;"><span lang="HI" style="color: #202124; font-size: 16pt;"> </span></span><span class="y2iqfc" style="font-family: inherit;"><span lang="HI" style="color: #202124; font-size: 16pt;">की</span></span><span class="y2iqfc" style="font-family: inherit;"><span lang="HI" style="color: #202124; font-size: 16pt;"> </span></span><span class="y2iqfc" style="font-family: inherit;"><span lang="HI" style="color: #202124; font-size: 16pt;">तुलना</span></span><span class="y2iqfc" style="font-family: inherit;"><span lang="HI" style="color: #202124; font-size: 16pt;"> </span></span><span class="y2iqfc" style="font-family: inherit;"><span lang="HI" style="color: #202124; font-size: 16pt;">में</span></span><span class="y2iqfc" style="font-family: inherit;"><span lang="HI" style="color: #202124; font-size: 16pt;"> </span></span></pre><pre><span class="y2iqfc" style="font-family: inherit;"><span lang="HI" style="color: #202124; font-size: 16pt;">अधिक</span></span><span class="y2iqfc" style="font-family: inherit;"><span lang="HI" style="color: #202124; font-size: 16pt;"> </span></span><span class="y2iqfc" style="font-family: inherit;"><span lang="HI" style="color: #202124; font-size: 16pt;">जोखिम</span></span><span class="y2iqfc" style="font-family: inherit;"><span lang="HI" style="color: #202124; font-size: 16pt;"> </span></span><span class="y2iqfc" style="font-family: inherit;"><span lang="HI" style="color: #202124; font-size: 16pt;">उठाते</span></span><span class="y2iqfc" style="font-family: inherit;"><span lang="HI" style="color: #202124; font-size: 16pt;"> </span></span><span class="y2iqfc" style="font-family: inherit;"><span lang="HI" style="color: #202124; font-size: 16pt;">हैं</span></span><span class="y2iqfc" style="font-family: inherit;"><span lang="HI" style="color: #202124; font-size: 16pt;"> </span></span><span class="y2iqfc" style="font-family: inherit;"><span lang="HI" style="color: #202124; font-size: 16pt;">और</span></span><span class="y2iqfc" style="font-family: inherit;"><span lang="HI" style="color: #202124; font-size: 16pt;"> </span></span><span class="y2iqfc" style="font-family: inherit;"><span lang="HI" style="color: #202124; font-size: 16pt;">इसलिए </span></span><span lang="HI" style="color: #202124; font-family: inherit; font-size: 16pt;">यह</span><span class="y2iqfc" style="font-family: inherit;"><span lang="HI" style="color: #202124; font-size: 16pt;"> </span></span><span class="y2iqfc" style="font-family: inherit;"><span lang="HI" style="color: #202124; font-size: 16pt;">उन</span></span><span class="y2iqfc" style="font-family: inherit;"><span lang="HI" style="color: #202124; font-size: 16pt;"> </span></span><span class="y2iqfc" style="font-family: inherit;"><span lang="HI" style="color: #202124; font-size: 16pt;">निवेशकों</span></span><span class="y2iqfc" style="font-family: inherit;"><span lang="HI" style="color: #202124; font-size: 16pt;"> </span></span><span class="y2iqfc" style="font-family: inherit;"><span lang="HI" style="color: #202124; font-size: 16pt;">के</span></span><span class="y2iqfc" style="font-family: inherit;"><span lang="HI" style="color: #202124; font-size: 16pt;"> </span></span><span class="y2iqfc" style="font-family: inherit;"><span lang="HI" style="color: #202124; font-size: 16pt;">लिए</span></span><span class="y2iqfc" style="font-family: inherit;"><span lang="HI" style="color: #202124; font-size: 16pt;"> </span></span><span lang="HI" style="color: #202124; font-size: 16pt;">उपयुक्त</span><span class="y2iqfc" style="font-family: inherit;"><span lang="HI" style="color: #202124; font-size: 16pt;"> </span></span><span class="y2iqfc" style="font-family: inherit;"><span lang="HI" style="color: #202124; font-size: 16pt;">है</span></span><span class="y2iqfc" style="font-family: inherit;"><span lang="HI" style="color: #202124; font-size: 16pt;"> </span></span><span class="y2iqfc" style="font-family: inherit;"><span lang="HI" style="color: #202124; font-size: 16pt;">जो</span></span><span class="y2iqfc" style="font-family: inherit;"><span lang="HI" style="color: #202124; font-size: 16pt;"> </span></span><span class="y2iqfc" style="font-family: inherit;"><span lang="HI" style="color: #202124; font-size: 16pt;">अधिक</span></span><span class="y2iqfc" style="font-family: inherit;"><span lang="HI" style="color: #202124; font-size: 16pt;"> </span></span><span class="y2iqfc" style="font-family: inherit;"><span lang="HI" style="color: #202124; font-size: 16pt;">जोखिम</span></span><span class="y2iqfc" style="font-family: inherit;"><span lang="HI" style="color: #202124; font-size: 16pt;"> </span></span><span class="y2iqfc" style="font-family: inherit;"><span lang="HI" style="color: #202124; font-size: 16pt;">ले</span></span><span class="y2iqfc" style="font-family: inherit;"><span lang="HI" style="color: #202124; font-size: 16pt;"> </span></span><span class="y2iqfc" style="font-family: inherit;"><span lang="HI" style="color: #202124; font-size: 16pt;">सकते</span></span><span class="y2iqfc" style="font-family: inherit;"><span lang="HI" style="color: #202124; font-size: 16pt;"> </span></span><span class="y2iqfc" style="font-family: inherit;"><span lang="HI" style="color: #202124; font-size: 16pt;">हैं।</span></span><span lang="HI" style="color: #202124; font-family: inherit; font-size: 16pt;">क्रेडिट</span></pre><pre><span class="y2iqfc" style="font-family: inherit;"><span lang="HI" style="color: #202124; font-size: 16pt;">जोखिम</span></span><span class="y2iqfc" style="font-family: inherit;"><span lang="HI" style="color: #202124; font-size: 16pt;"> </span></span><span class="y2iqfc" style="font-family: inherit;"><span lang="HI" style="color: #202124; font-size: 16pt;">निधि </span></span><span lang="HI" style="color: #202124; font-family: inherit; font-size: 16pt;">क्रेडिट</span><span class="y2iqfc" style="font-family: inherit;"><span lang="HI" style="color: #202124; font-size: 16pt;"> </span></span><span class="y2iqfc" style="font-family: inherit;"><span lang="HI" style="color: #202124; font-size: 16pt;">रिस्क</span></span><span class="y2iqfc" style="font-family: inherit;"><span lang="HI" style="color: #202124; font-size: 16pt;"> </span></span><span class="y2iqfc" style="font-family: inherit;"><span lang="HI" style="color: #202124; font-size: 16pt;">फंड</span></span><span class="y2iqfc" style="font-family: inherit;"><span lang="HI" style="color: #202124; font-size: 16pt;"> </span></span><span class="y2iqfc" style="font-family: inherit;"><span lang="HI" style="color: #202124; font-size: 16pt;">मुख्य</span></span><span class="y2iqfc" style="font-family: inherit;"><span lang="HI" style="color: #202124; font-size: 16pt;"> </span></span><span class="y2iqfc" style="font-family: inherit;"><span lang="HI" style="color: #202124; font-size: 16pt;">रूप</span></span><span class="y2iqfc" style="font-family: inherit;"><span lang="HI" style="color: #202124; font-size: 16pt;"> </span></span><span class="y2iqfc" style="font-family: inherit;"><span lang="HI" style="color: #202124; font-size: 16pt;">से</span></span><span class="y2iqfc" style="font-family: inherit;"><span lang="HI" style="color: #202124; font-size: 16pt;"> </span></span><span class="y2iqfc" style="font-family: inherit;"><span lang="HI" style="color: #202124; font-size: 16pt;">उन</span></span><span class="y2iqfc" style="font-family: inherit;"><span lang="HI" style="color: #202124; font-size: 16pt;"> </span></span><span class="y2iqfc" style="font-family: inherit;"><span lang="HI" style="color: #202124; font-size: 16pt;">डेट</span></span><span class="y2iqfc" style="font-family: inherit;"><span lang="HI" style="color: #202124; font-size: 16pt;"> </span></span><span class="y2iqfc" style="font-family: inherit;"><span lang="HI" style="color: #202124; font-size: 16pt;">सिक्योरिटीज</span></span><span class="y2iqfc" style="font-family: inherit;"><span lang="HI" style="color: #202124; font-size: 16pt;"> </span></span><span class="y2iqfc" style="font-family: inherit;"><span lang="HI" style="color: #202124; font-size: 16pt;">में</span></span><span class="y2iqfc" style="font-family: inherit;"><span lang="HI" style="color: #202124; font-size: 16pt;"> </span></span><span class="y2iqfc" style="font-family: inherit;"><span lang="HI" style="color: #202124; font-size: 16pt;">निवेश</span></span><span class="y2iqfc" style="font-family: inherit;"><span lang="HI" style="color: #202124; font-size: 16pt;"> </span></span><span class="y2iqfc" style="font-family: inherit;"><span lang="HI" style="color: #202124; font-size: 16pt;">करते</span></span><span class="y2iqfc" style="font-family: inherit;"><span lang="HI" style="color: #202124; font-size: 16pt;"> </span></span><span class="y2iqfc" style="font-family: inherit;"><span lang="HI" style="color: #202124; font-size: 16pt;">हैं</span></span><span lang="HI" style="color: #202124; font-family: inherit; font-size: 16pt;">जिन्हें</span><span class="y2iqfc" style="font-family: inherit;"><span lang="HI" style="color: #202124; font-size: 16pt;"> </span></span><span class="y2iqfc" style="font-family: inherit;"><span lang="HI" style="color: #202124; font-size: 16pt;">विभिन्न </span></span><span lang="HI" style="color: #202124; font-size: 16pt;">एजेंसियों</span><span class="y2iqfc" style="font-family: inherit;"><span lang="HI" style="color: #202124; font-size: 16pt;"> </span></span><span class="y2iqfc" style="font-family: inherit;"><span lang="HI" style="color: #202124; font-size: 16pt;">द्वारा</span></span><span class="y2iqfc" style="font-family: inherit;"><span lang="HI" style="color: #202124; font-size: 16pt;"> </span></span><span class="y2iqfc" style="font-family: inherit;"><span lang="HI" style="color: #202124; font-size: 16pt;">एए</span></span></pre><pre><span class="y2iqfc" style="font-family: inherit;"><span lang="HI" style="color: #202124; font-size: 16pt;">रेट</span></span><span class="y2iqfc" style="font-family: inherit;"><span lang="HI" style="color: #202124; font-size: 16pt;"> </span></span><span class="y2iqfc" style="font-family: inherit;"><span lang="HI" style="color: #202124; font-size: 16pt;">किया</span></span><span class="y2iqfc" style="font-family: inherit;"><span lang="HI" style="color: #202124; font-size: 16pt;"> </span></span><span class="y2iqfc" style="font-family: inherit;"><span lang="HI" style="color: #202124; font-size: 16pt;">गया</span></span><span class="y2iqfc" style="font-family: inherit;"><span lang="HI" style="color: #202124; font-size: 16pt;"> </span></span><span class="y2iqfc" style="font-family: inherit;"><span lang="HI" style="color: #202124; font-size: 16pt;">है।</span></span><span class="y2iqfc" style="font-family: inherit;"><span lang="HI" style="color: #202124; font-size: 16pt;"> </span></span><span class="y2iqfc" style="font-family: inherit;"><span lang="HI" style="color: #202124; font-size: 16pt;">फंड</span></span><span class="y2iqfc" style="font-family: inherit;"><span lang="HI" style="color: #202124; font-size: 16pt;"> </span></span><span class="y2iqfc" style="font-family: inherit;"><span lang="HI" style="color: #202124; font-size: 16pt;">मैनेजर</span></span><span class="y2iqfc" style="font-family: inherit;"><span lang="HI" style="color: #202124; font-size: 16pt;"> </span></span><span class="y2iqfc" style="font-family: inherit;"><span lang="HI" style="color: #202124; font-size: 16pt;">कम</span></span><span class="y2iqfc" style="font-family: inherit;"><span lang="HI" style="color: #202124; font-size: 16pt;"> </span></span><span class="y2iqfc" style="font-family: inherit;"><span lang="HI" style="color: #202124; font-size: 16pt;">रेटिंग</span></span><span class="y2iqfc" style="font-family: inherit;"><span lang="HI" style="color: #202124; font-size: 16pt;"> </span></span><span lang="HI" style="color: #202124; font-family: inherit; font-size: 16pt;">वाले</span><span class="y2iqfc" style="font-family: inherit;"><span lang="HI" style="color: #202124; font-size: 16pt;"> </span></span><span class="y2iqfc" style="font-family: inherit;"><span lang="HI" style="color: #202124; font-size: 16pt;">पेपर्स</span></span><span class="y2iqfc" style="font-family: inherit;"><span lang="HI" style="color: #202124; font-size: 16pt;"> </span></span><span class="y2iqfc" style="font-family: inherit;"><span lang="HI" style="color: #202124; font-size: 16pt;">में</span></span><span class="y2iqfc" style="font-family: inherit;"><span lang="HI" style="color: #202124; font-size: 16pt;"> </span></span><span class="y2iqfc" style="font-family: inherit;"><span lang="HI" style="color: #202124; font-size: 16pt;">निवेश</span></span><span class="y2iqfc" style="font-family: inherit;"><span lang="HI" style="color: #202124; font-size: 16pt;"> </span></span><span class="y2iqfc" style="font-family: inherit;"><span lang="HI" style="color: #202124; font-size: 16pt;">करते</span></span><span class="y2iqfc" style="font-family: inherit;"><span lang="HI" style="color: #202124; font-size: 16pt;"> </span></span><span class="y2iqfc" style="font-family: inherit;"><span lang="HI" style="color: #202124; font-size: 16pt;">हैं</span></span><span class="y2iqfc" style="font-family: inherit;"><span style="color: #202124; font-size: 16pt;">, </span></span><span class="y2iqfc" style="font-family: inherit;"><span lang="HI" style="color: #202124; font-size: 16pt;">जिनके</span></span><span class="y2iqfc" style="font-family: inherit;"><span lang="HI" style="color: #202124; font-size: 16pt;"> </span></span><span class="y2iqfc" style="font-family: inherit;"><span lang="HI" style="color: #202124; font-size: 16pt;">भविष्य</span></span><span class="y2iqfc" style="font-family: inherit;"><span lang="HI" style="color: #202124; font-size: 16pt;"> </span></span><span class="y2iqfc" style="font-family: inherit;"><span lang="HI" style="color: #202124; font-size: 16pt;">में</span></span><span class="y2iqfc" style="font-family: inherit;"><span lang="HI" style="color: #202124; font-size: 16pt;"> </span></span><span class="y2iqfc" style="font-family: inherit;"><span lang="HI" style="color: #202124; font-size: 16pt;">अपग्रेड</span></span><span class="y2iqfc" style="font-family: inherit;"><span lang="HI" style="color: #202124; font-size: 16pt;"> </span></span><span class="y2iqfc" style="font-family: inherit;"><span lang="HI" style="color: #202124; font-size: 16pt;">होने</span></span><span class="y2iqfc" style="font-family: inherit;"><span lang="HI" style="color: #202124; font-size: 16pt;"> </span></span><span class="y2iqfc" style="font-family: inherit;"><span lang="HI" style="color: #202124; font-size: 16pt;">की</span></span><span class="y2iqfc" style="font-family: inherit;"><span lang="HI" style="color: #202124; font-size: 16pt;"> </span></span></pre><pre><span class="y2iqfc" style="font-family: inherit;"><span lang="HI" style="color: #202124; font-size: 16pt;">संभावना </span></span><span lang="HI" style="color: #202124; font-size: 16pt;">होती</span><span class="y2iqfc" style="font-family: inherit;"><span lang="HI" style="color: #202124; font-size: 16pt;"> </span></span><span class="y2iqfc" style="font-family: inherit;"><span lang="HI" style="color: #202124; font-size: 16pt;">है</span></span><span class="y2iqfc" style="font-family: inherit;"><span style="color: #202124; font-size: 16pt;">, </span></span><span lang="HI" style="color: #202124; font-size: 16pt;">जिससे</span><span class="y2iqfc" style="font-family: inherit;"><span lang="HI" style="color: #202124; font-size: 16pt;"> </span></span><span class="y2iqfc" style="font-family: inherit;"><span lang="HI" style="color: #202124; font-size: 16pt;">पेपर</span></span><span class="y2iqfc" style="font-family: inherit;"><span lang="HI" style="color: #202124; font-size: 16pt;"> </span></span><span class="y2iqfc" style="font-family: inherit;"><span lang="HI" style="color: #202124; font-size: 16pt;">की</span></span><span class="y2iqfc" style="font-family: inherit;"><span lang="HI" style="color: #202124; font-size: 16pt;"> </span></span><span class="y2iqfc" style="font-family: inherit;"><span lang="HI" style="color: #202124; font-size: 16pt;">वैल्यू</span></span><span class="y2iqfc" style="font-family: inherit;"><span lang="HI" style="color: #202124; font-size: 16pt;"> </span></span><span class="y2iqfc" style="font-family: inherit;"><span lang="HI" style="color: #202124; font-size: 16pt;">बढ़</span></span><span class="y2iqfc" style="font-family: inherit;"><span lang="HI" style="color: #202124; font-size: 16pt;"> </span></span><span class="y2iqfc" style="font-family: inherit;"><span lang="HI" style="color: #202124; font-size: 16pt;">जाती</span></span><span class="y2iqfc" style="font-family: inherit;"><span lang="HI" style="color: #202124; font-size: 16pt;"> </span></span><span class="y2iqfc" style="font-family: inherit;"><span lang="HI" style="color: #202124; font-size: 16pt;">है।</span></span><span class="y2iqfc" style="font-family: inherit;"><span lang="HI" style="color: #202124; font-size: 16pt;"> </span></span><span class="y2iqfc" style="font-family: inherit;"><span lang="HI" style="color: #202124; font-size: 16pt;">चूंकि</span></span><span class="y2iqfc" style="font-family: inherit;"><span lang="HI" style="color: #202124; font-size: 16pt;"> </span></span><span class="y2iqfc" style="font-family: inherit;"><span lang="HI" style="color: #202124; font-size: 16pt;">यह</span></span><span class="y2iqfc" style="font-family: inherit;"><span lang="HI" style="color: #202124; font-size: 16pt;"> </span></span><span class="y2iqfc" style="font-family: inherit;"><span lang="HI" style="color: #202124; font-size: 16pt;">एएए</span></span><span class="y2iqfc" style="font-family: inherit;"><span lang="HI" style="color: #202124; font-size: 16pt;">-</span></span><span class="y2iqfc" style="font-family: inherit;"><span lang="HI" style="color: #202124; font-size: 16pt;">रेटेड</span></span><span class="y2iqfc" style="font-family: inherit;"><span lang="HI" style="color: #202124; font-size: 16pt;"> </span></span><span class="y2iqfc" style="font-family: inherit;"><span lang="HI" style="color: #202124; font-size: 16pt;">पेपर</span></span><span class="y2iqfc" style="font-family: inherit;"><span lang="HI" style="color: #202124; font-size: 16pt;"> </span></span><span class="y2iqfc" style="font-family: inherit;"><span lang="HI" style="color: #202124; font-size: 16pt;">से</span></span><span class="y2iqfc" style="font-family: inherit;"><span lang="HI" style="color: #202124; font-size: 16pt;"> </span></span><span class="y2iqfc" style="font-family: inherit;"><span lang="HI" style="color: #202124; font-size: 16pt;">कम</span></span><span class="y2iqfc" style="font-family: inherit;"><span lang="HI" style="color: #202124; font-size: 16pt;"> </span></span><span class="y2iqfc" style="font-family: inherit;"><span lang="HI" style="color: #202124; font-size: 16pt;">में</span></span><span class="y2iqfc" style="font-family: inherit;"><span lang="HI" style="color: #202124; font-size: 16pt;"> </span></span><span class="y2iqfc" style="font-family: inherit;"><span lang="HI" style="color: #202124; font-size: 16pt;">निवेश</span></span><span class="y2iqfc" style="font-family: inherit;"><span lang="HI" style="color: #202124; font-size: 16pt;"> </span></span><span lang="HI" style="color: #202124; font-family: inherit; font-size: 16pt;">करता</span><span class="y2iqfc" style="font-family: inherit;"><span lang="HI" style="color: #202124; font-size: 16pt;"> </span></span><span class="y2iqfc" style="font-family: inherit;"><span lang="HI" style="color: #202124; font-size: 16pt;">है</span></span><span class="y2iqfc" style="font-family: inherit;"><span style="color: #202124; font-size: 16pt;">,</span></span></pre><pre><span class="y2iqfc" style="font-family: inherit;"><span lang="HI" style="color: #202124; font-size: 16pt;">क्रेडिट</span></span><span class="y2iqfc" style="font-family: inherit;"><span lang="HI" style="color: #202124; font-size: 16pt;"> </span></span><span class="y2iqfc" style="font-family: inherit;"><span lang="HI" style="color: #202124; font-size: 16pt;">रिस्क </span></span><span lang="HI" style="color: #202124; font-size: 16pt;">फंड</span><span class="y2iqfc" style="font-family: inherit;"><span lang="HI" style="color: #202124; font-size: 16pt;"> </span></span><span class="y2iqfc" style="font-family: inherit;"><span lang="HI" style="color: #202124; font-size: 16pt;">में</span></span><span class="y2iqfc" style="font-family: inherit;"><span lang="HI" style="color: #202124; font-size: 16pt;"> </span></span><span class="y2iqfc" style="font-family: inherit;"><span lang="HI" style="color: #202124; font-size: 16pt;">अन्य</span></span><span class="y2iqfc" style="font-family: inherit;"><span lang="HI" style="color: #202124; font-size: 16pt;"> </span></span><span class="y2iqfc" style="font-family: inherit;"><span lang="HI" style="color: #202124; font-size: 16pt;">डेट</span></span><span class="y2iqfc" style="font-family: inherit;"><span lang="HI" style="color: #202124; font-size: 16pt;"> </span></span><span class="y2iqfc" style="font-family: inherit;"><span lang="HI" style="color: #202124; font-size: 16pt;">फंडों</span></span><span class="y2iqfc" style="font-family: inherit;"><span lang="HI" style="color: #202124; font-size: 16pt;"> </span></span><span class="y2iqfc" style="font-family: inherit;"><span lang="HI" style="color: #202124; font-size: 16pt;">की</span></span><span class="y2iqfc" style="font-family: inherit;"><span lang="HI" style="color: #202124; font-size: 16pt;"> </span></span><span class="y2iqfc" style="font-family: inherit;"><span lang="HI" style="color: #202124; font-size: 16pt;">तुलना</span></span><span class="y2iqfc" style="font-family: inherit;"><span lang="HI" style="color: #202124; font-size: 16pt;"> </span></span><span class="y2iqfc" style="font-family: inherit;"><span lang="HI" style="color: #202124; font-size: 16pt;">में</span></span><span class="y2iqfc" style="font-family: inherit;"><span lang="HI" style="color: #202124; font-size: 16pt;"> </span></span><span class="y2iqfc" style="font-family: inherit;"><span lang="HI" style="color: #202124; font-size: 16pt;">अधिक</span></span><span class="y2iqfc" style="font-family: inherit;"><span lang="HI" style="color: #202124; font-size: 16pt;"> </span></span><span class="y2iqfc" style="font-family: inherit;"><span lang="HI" style="color: #202124; font-size: 16pt;">रिटर्न</span></span><span class="y2iqfc" style="font-family: inherit;"><span lang="HI" style="color: #202124; font-size: 16pt;"> </span></span><span lang="HI" style="color: #202124; font-size: 16pt;">देने</span><span class="y2iqfc" style="font-family: inherit;"><span lang="HI" style="color: #202124; font-size: 16pt;"> </span></span><span class="y2iqfc" style="font-family: inherit;"><span lang="HI" style="color: #202124; font-size: 16pt;">की</span><span lang="HI" style="color: #202124; font-size: 16pt;"> </span></span><span class="y2iqfc" style="font-family: inherit;"><span lang="HI" style="color: #202124; font-size: 16pt;">क्षमता</span></span><span class="y2iqfc" style="font-family: inherit;"><span lang="HI" style="color: #202124; font-size: 16pt;"> </span></span><span class="y2iqfc" style="font-family: inherit;"><span lang="HI" style="color: #202124; font-size: 16pt;">होती</span></span><span class="y2iqfc" style="font-family: inherit;"><span lang="HI" style="color: #202124; font-size: 16pt;"> </span></span><span class="y2iqfc" style="font-family: inherit;"><span lang="HI" style="color: #202124; font-size: 16pt;">है।</span></span><span class="y2iqfc" style="font-family: inherit;"><span lang="HI" style="color: #202124; font-size: 16pt;"> </span></span><span class="y2iqfc" style="font-family: inherit;"><span lang="HI" style="color: #202124; font-size: 16pt;">हालाँकि</span></span><span class="y2iqfc" style="font-family: inherit;"><span style="color: #202124; font-size: 16pt;">,</span></span><span class="y2iqfc" style="font-family: inherit;"><span lang="HI" style="color: #202124; font-size: 16pt;">यह</span></span><span class="y2iqfc" style="font-family: inherit;"><span lang="HI" style="color: #202124; font-size: 16pt;"> </span></span><span class="y2iqfc" style="font-family: inherit;"><span lang="HI" style="color: #202124; font-size: 16pt;">उच्च</span></span></pre><pre><span class="y2iqfc" style="font-family: inherit;"><span lang="HI" style="color: #202124; font-size: 16pt;">जोखिम</span></span><span class="y2iqfc" style="font-family: inherit;"><span lang="HI" style="color: #202124; font-size: 16pt;"> </span></span><span class="y2iqfc" style="font-family: inherit;"><span lang="HI" style="color: #202124; font-size: 16pt;">के</span></span><span class="y2iqfc" style="font-family: inherit;"><span lang="HI" style="color: #202124; font-size: 16pt;"> </span></span><span class="y2iqfc" style="font-family: inherit;"><span lang="HI" style="color: #202124; font-size: 16pt;">साथ </span></span><span class="y2iqfc" style="font-family: inherit;"><span lang="HI" style="color: #202124; font-size: 16pt;">भी</span></span><span class="y2iqfc" style="font-family: inherit;"><span lang="HI" style="color: #202124; font-size: 16pt;"> </span></span><span class="y2iqfc" style="font-family: inherit;"><span lang="HI" style="color: #202124; font-size: 16pt;">आता</span></span><span class="y2iqfc" style="font-family: inherit;"><span lang="HI" style="color: #202124; font-size: 16pt;"> </span></span><span class="y2iqfc" style="font-family: inherit;"><span lang="HI" style="color: #202124; font-size: 16pt;">है।</span></span></pre><pre><span style="font-family: inherit; font-size: x-large;"><span class="y2iqfc"><b><span lang="HI" style="color: #202124;">गिल्ट</span></b></span><span class="y2iqfc"><b><span lang="HI" style="color: #202124;"> </span></b></span><span class="y2iqfc"><b><span lang="HI" style="color: #202124;">फंड</span></b></span><b><span style="color: #202124;"><o:p></o:p></span></b></span></pre><pre><span style="font-family: inherit;"><span class="y2iqfc"><span lang="HI" style="color: #202124; font-size: 16pt;">गिल्ट</span></span><span class="y2iqfc"><span lang="HI" style="color: #202124; font-size: 16pt;"> </span></span><span class="y2iqfc"><span lang="HI" style="color: #202124; font-size: 16pt;">फंड</span></span><span class="y2iqfc"><span lang="HI" style="color: #202124; font-size: 16pt;"> </span></span><span class="y2iqfc"><span lang="HI" style="color: #202124; font-size: 16pt;">केवल</span></span><span class="y2iqfc"><span lang="HI" style="color: #202124; font-size: 16pt;"> </span></span><span class="y2iqfc"><span lang="HI" style="color: #202124; font-size: 16pt;">विभिन्न</span></span><span class="y2iqfc"><span lang="HI" style="color: #202124; font-size: 16pt;"> </span></span><span class="y2iqfc"><span lang="HI" style="color: #202124; font-size: 16pt;">परिपक्वता</span></span><span class="y2iqfc"><span lang="HI" style="color: #202124; font-size: 16pt;"> </span></span><span class="y2iqfc"><span lang="HI" style="color: #202124; font-size: 16pt;">वाली</span></span><span class="y2iqfc"><span lang="HI" style="color: #202124; font-size: 16pt;"> </span></span><span class="y2iqfc"><span lang="HI" style="color: #202124; font-size: 16pt;">सरकारी</span></span><span class="y2iqfc"><span lang="HI" style="color: #202124; font-size: 16pt;"> </span></span><span class="y2iqfc"><span lang="HI" style="color: #202124; font-size: 16pt;">प्रतिभूतियों</span></span><span class="y2iqfc"><span lang="HI" style="color: #202124; font-size: 16pt;"> </span></span><span class="y2iqfc"><span lang="HI" style="color: #202124; font-size: 16pt;">में</span></span><span class="y2iqfc"><span lang="HI" style="color: #202124; font-size: 16pt;"> </span></span><span class="y2iqfc"><span lang="HI" style="color: #202124; font-size: 16pt;">निवेश</span></span><span class="y2iqfc"><span lang="HI" style="color: #202124; font-size: 16pt;"> </span></span><span class="y2iqfc"><span lang="HI" style="color: #202124; font-size: 16pt;">करते</span></span><span class="y2iqfc"><span lang="HI" style="color: #202124; font-size: 16pt;"> </span></span><span class="y2iqfc"><span lang="HI" style="color: #202124; font-size: 16pt;">हैं।</span></span><span lang="HI" style="color: #202124; font-size: 16pt;">जब</span><span class="y2iqfc"><span lang="HI" style="color: #202124; font-size: 16pt;"> </span></span><span class="y2iqfc"><span lang="HI" style="color: #202124; font-size: 16pt;">ब्याज</span></span><span class="y2iqfc"><span lang="HI" style="color: #202124; font-size: 16pt;"> </span></span><span class="y2iqfc"><span lang="HI" style="color: #202124; font-size: 16pt;">दर</span></span><span class="y2iqfc"><span lang="HI" style="color: #202124; font-size: 16pt;"> </span></span><span class="y2iqfc"><span lang="HI" style="color: #202124; font-size: 16pt;">दक्षिण</span></span><span class="y2iqfc"><span lang="HI" style="color: #202124; font-size: 16pt;"> </span></span><span class="y2iqfc"><span lang="HI" style="color: #202124; font-size: 16pt;">की</span></span><span class="y2iqfc"><span lang="HI" style="color: #202124; font-size: 16pt;"> </span></span><span class="y2iqfc"><span lang="HI" style="color: #202124; font-size: 16pt;">ओर</span></span></span></pre><pre><span style="font-family: inherit;"><span class="y2iqfc"><span lang="HI" style="color: #202124; font-size: 16pt;">बढ़</span></span><span class="y2iqfc"><span lang="HI" style="color: #202124; font-size: 16pt;"> </span></span><span class="y2iqfc"><span lang="HI" style="color: #202124; font-size: 16pt;">रही</span></span><span class="y2iqfc"><span lang="HI" style="color: #202124; font-size: 16pt;"> </span></span><span class="y2iqfc"><span lang="HI" style="color: #202124; font-size: 16pt;">हो</span></span><span class="y2iqfc"><span lang="HI" style="color: #202124; font-size: 16pt;"> </span></span><span class="y2iqfc"><span lang="HI" style="color: #202124; font-size: 16pt;">तो </span></span></span><span style="font-family: inherit;"><span class="y2iqfc"><span lang="HI" style="color: #202124; font-size: 16pt;">गिल्ट</span></span><span class="y2iqfc"><span lang="HI" style="color: #202124; font-size: 16pt;"> </span></span><span class="y2iqfc"><span lang="HI" style="color: #202124; font-size: 16pt;">फंड</span></span><span class="y2iqfc"><span lang="HI" style="color: #202124; font-size: 16pt;"> </span></span><span class="y2iqfc"><span lang="HI" style="color: #202124; font-size: 16pt;">अच्छा</span></span><span class="y2iqfc"><span lang="HI" style="color: #202124; font-size: 16pt;"> </span></span><span class="y2iqfc"><span lang="HI" style="color: #202124; font-size: 16pt;">प्रदर्शन </span></span></span><span lang="HI" style="color: #202124; font-size: 16pt;">करते</span><span class="y2iqfc" style="font-family: inherit;"><span lang="HI" style="color: #202124; font-size: 16pt;"> </span></span><span class="y2iqfc" style="font-family: inherit;"><span lang="HI" style="color: #202124; font-size: 16pt;">हैं।</span></span><span lang="HI" style="color: #202124; font-family: inherit; font-size: 16pt;">जो</span><span class="y2iqfc" style="font-family: inherit;"><span lang="HI" style="color: #202124; font-size: 16pt;"> </span></span><span class="y2iqfc" style="font-family: inherit;"><span lang="HI" style="color: #202124; font-size: 16pt;">निवेशक</span></span><span class="y2iqfc" style="font-family: inherit;"><span lang="HI" style="color: #202124; font-size: 16pt;"> </span></span><span class="y2iqfc" style="font-family: inherit;"><span lang="HI" style="color: #202124; font-size: 16pt;">लंबी</span></span><span class="y2iqfc" style="font-family: inherit;"><span lang="HI" style="color: #202124; font-size: 16pt;"> </span></span><span class="y2iqfc" style="font-family: inherit;"><span lang="HI" style="color: #202124; font-size: 16pt;">अवधि</span></span><span class="y2iqfc" style="font-family: inherit;"><span lang="HI" style="color: #202124; font-size: 16pt;"> </span></span><span class="y2iqfc" style="font-family: inherit;"><span lang="HI" style="color: #202124; font-size: 16pt;">के</span></span><span class="y2iqfc" style="font-family: inherit;"><span lang="HI" style="color: #202124; font-size: 16pt;"> </span></span><span class="y2iqfc" style="font-family: inherit;"><span lang="HI" style="color: #202124; font-size: 16pt;">लिए</span></span><span class="y2iqfc" style="font-family: inherit;"><span lang="HI" style="color: #202124; font-size: 16pt;"> </span></span><span class="y2iqfc" style="font-family: inherit;"><span lang="HI" style="color: #202124; font-size: 16pt;">निवेश</span></span><span class="y2iqfc" style="font-family: inherit;"><span lang="HI" style="color: #202124; font-size: 16pt;"> </span></span><span class="y2iqfc" style="font-family: inherit;"><span lang="HI" style="color: #202124; font-size: 16pt;">करना</span></span><span class="y2iqfc" style="font-family: inherit;"><span lang="HI" style="color: #202124; font-size: 16pt;"> </span></span><span class="y2iqfc" style="font-family: inherit;"><span lang="HI" style="color: #202124; font-size: 16pt;">चाहते</span></span><span class="y2iqfc" style="font-family: inherit;"><span lang="HI" style="color: #202124; font-size: 16pt;"> </span></span><span class="y2iqfc" style="font-family: inherit;"><span lang="HI" style="color: #202124; font-size: 16pt;">हैं</span></span><span class="y2iqfc" style="font-family: inherit;"><span style="color: #202124; font-size: 16pt;">, </span></span></pre><pre><span class="y2iqfc" style="font-family: inherit;"><span lang="HI" style="color: #202124; font-size: 16pt;">वे</span></span><span class="y2iqfc" style="font-family: inherit;"><span lang="HI" style="color: #202124; font-size: 16pt;"> </span></span><span class="y2iqfc" style="font-family: inherit;"><span lang="HI" style="color: #202124; font-size: 16pt;">इन</span></span><span class="y2iqfc" style="font-family: inherit;"><span lang="HI" style="color: #202124; font-size: 16pt;"> </span></span><span class="y2iqfc" style="font-family: inherit;"><span lang="HI" style="color: #202124; font-size: 16pt;">फंडों</span></span><span class="y2iqfc" style="font-family: inherit;"><span lang="HI" style="color: #202124; font-size: 16pt;"> </span></span><span class="y2iqfc" style="font-family: inherit;"><span lang="HI" style="color: #202124; font-size: 16pt;">में</span></span><span class="y2iqfc" style="font-family: inherit;"><span lang="HI" style="color: #202124; font-size: 16pt;"> </span></span><span class="y2iqfc" style="font-family: inherit;"><span lang="HI" style="color: #202124; font-size: 16pt;">निवेश</span></span><span class="y2iqfc" style="font-family: inherit;"><span lang="HI" style="color: #202124; font-size: 16pt;"> </span></span><span class="y2iqfc" style="font-family: inherit;"><span lang="HI" style="color: #202124; font-size: 16pt;">कर</span></span><span class="y2iqfc" style="font-family: inherit;"><span lang="HI" style="color: #202124; font-size: 16pt;"> </span></span><span lang="HI" style="color: #202124; font-family: inherit; font-size: 16pt;">सकते</span><span class="y2iqfc" style="font-family: inherit;"><span lang="HI" style="color: #202124; font-size: 16pt;"> </span></span><span class="y2iqfc" style="font-family: inherit;"><span lang="HI" style="color: #202124; font-size: 16pt;">हैं।</span></span><span lang="HI" style="color: #202124; font-size: 16pt;">यह</span><span class="y2iqfc" style="font-family: inherit;"><span lang="HI" style="color: #202124; font-size: 16pt;"> </span></span><span class="y2iqfc" style="font-family: inherit;"><span lang="HI" style="color: #202124; font-size: 16pt;">शॉर्ट</span></span><span class="y2iqfc" style="font-family: inherit;"><span lang="HI" style="color: #202124; font-size: 16pt;"> </span></span><span class="y2iqfc" style="font-family: inherit;"><span lang="HI" style="color: #202124; font-size: 16pt;">टर्म</span></span><span class="y2iqfc" style="font-family: inherit;"><span lang="HI" style="color: #202124; font-size: 16pt;"> </span></span><span class="y2iqfc" style="font-family: inherit;"><span lang="HI" style="color: #202124; font-size: 16pt;">डेट</span></span><span class="y2iqfc" style="font-family: inherit;"><span lang="HI" style="color: #202124; font-size: 16pt;"> </span></span><span class="y2iqfc" style="font-family: inherit;"><span lang="HI" style="color: #202124; font-size: 16pt;">फंड</span></span><span class="y2iqfc" style="font-family: inherit;"><span lang="HI" style="color: #202124; font-size: 16pt;"> </span></span><span class="y2iqfc" style="font-family: inherit;"><span lang="HI" style="color: #202124; font-size: 16pt;">की</span></span><span class="y2iqfc" style="font-family: inherit;"><span lang="HI" style="color: #202124; font-size: 16pt;"> </span></span><span class="y2iqfc" style="font-family: inherit;"><span lang="HI" style="color: #202124; font-size: 16pt;">तुलना</span></span><span class="y2iqfc" style="font-family: inherit;"><span lang="HI" style="color: #202124; font-size: 16pt;"> </span></span><span class="y2iqfc" style="font-family: inherit;"><span lang="HI" style="color: #202124; font-size: 16pt;">में</span></span><span class="y2iqfc" style="font-family: inherit;"><span lang="HI" style="color: #202124; font-size: 16pt;"> </span></span><span class="y2iqfc" style="font-family: inherit;"><span lang="HI" style="color: #202124; font-size: 16pt;">अधिक</span></span><span class="y2iqfc" style="font-family: inherit;"><span lang="HI" style="color: #202124; font-size: 16pt;"> </span></span><span class="y2iqfc" style="font-family: inherit;"><span lang="HI" style="color: #202124; font-size: 16pt;">जोखिम</span></span><span class="y2iqfc" style="font-family: inherit;"><span lang="HI" style="color: #202124; font-size: 16pt;"> </span></span><span class="y2iqfc" style="font-family: inherit;"><span lang="HI" style="color: #202124; font-size: 16pt;">के</span></span><span class="y2iqfc" style="font-family: inherit;"><span lang="HI" style="color: #202124; font-size: 16pt;"> </span></span><span lang="HI" style="color: #202124; font-size: 16pt;">साथ</span><span class="y2iqfc" style="font-family: inherit;"><span lang="HI" style="color: #202124; font-size: 16pt;">आता</span></span><span class="y2iqfc" style="font-family: inherit;"><span lang="HI" style="color: #202124; font-size: 16pt;"> </span></span><span class="y2iqfc" style="font-family: inherit;"><span lang="HI" style="color: #202124; font-size: 16pt;">है।</span></span></pre><pre><span style="font-family: inherit; font-size: x-large;"><span class="y2iqfc"><b><span lang="HI" style="color: #202124;">निष्कर्ष</span></b></span><span class="y2iqfc"><b><span lang="HI" style="color: #202124;">:</span></b></span><b><span style="color: #202124;"><o:p></o:p></span></b></span></pre><pre><span style="font-family: inherit;"><span class="y2iqfc"><span lang="HI" style="color: #202124; font-size: 16pt;">यदि</span></span><span class="y2iqfc"><span lang="HI" style="color: #202124; font-size: 16pt;"> </span></span><span class="y2iqfc"><span lang="HI" style="color: #202124; font-size: 16pt;">आप</span></span><span class="y2iqfc"><span lang="HI" style="color: #202124; font-size: 16pt;"> </span></span><span class="y2iqfc"><span lang="HI" style="color: #202124; font-size: 16pt;">कम</span></span><span class="y2iqfc"><span lang="HI" style="color: #202124; font-size: 16pt;"> </span></span><span class="y2iqfc"><span lang="HI" style="color: #202124; font-size: 16pt;">जोखिम</span></span><span class="y2iqfc"><span lang="HI" style="color: #202124; font-size: 16pt;"> </span></span><span class="y2iqfc"><span lang="HI" style="color: #202124; font-size: 16pt;">वाले</span></span><span class="y2iqfc"><span lang="HI" style="color: #202124; font-size: 16pt;"> </span></span><span class="y2iqfc"><span lang="HI" style="color: #202124; font-size: 16pt;">कर</span></span><span class="y2iqfc"><span lang="HI" style="color: #202124; font-size: 16pt;">-</span></span><span class="y2iqfc"><span lang="HI" style="color: #202124; font-size: 16pt;">कुशल</span></span><span class="y2iqfc"><span lang="HI" style="color: #202124; font-size: 16pt;"> </span></span><span class="y2iqfc"><span lang="HI" style="color: #202124; font-size: 16pt;">निवेश</span></span><span class="y2iqfc"><span lang="HI" style="color: #202124; font-size: 16pt;"> </span></span><span class="y2iqfc"><span lang="HI" style="color: #202124; font-size: 16pt;">विकल्प</span></span><span class="y2iqfc"><span lang="HI" style="color: #202124; font-size: 16pt;"> </span></span><span class="y2iqfc"><span lang="HI" style="color: #202124; font-size: 16pt;">की</span></span><span class="y2iqfc"><span lang="HI" style="color: #202124; font-size: 16pt;"> </span></span><span class="y2iqfc"><span lang="HI" style="color: #202124; font-size: 16pt;">तलाश</span></span><span class="y2iqfc"><span lang="HI" style="color: #202124; font-size: 16pt;"> </span></span><span class="y2iqfc"><span lang="HI" style="color: #202124; font-size: 16pt;">कर</span></span><span class="y2iqfc"><span lang="HI" style="color: #202124; font-size: 16pt;"> </span></span><span class="y2iqfc"><span lang="HI" style="color: #202124; font-size: 16pt;">रहे</span></span><span class="y2iqfc"><span lang="HI" style="color: #202124; font-size: 16pt;"> </span></span><span class="y2iqfc"><span lang="HI" style="color: #202124; font-size: 16pt;">हैं</span></span><span class="y2iqfc"><span style="color: #202124; font-size: 16pt;">,</span></span><span lang="HI" style="color: #202124; font-size: 16pt;">तो</span><span class="y2iqfc"><span lang="HI" style="color: #202124; font-size: 16pt;"> </span></span><span class="y2iqfc"><span lang="HI" style="color: #202124; font-size: 16pt;">डेट</span></span><span class="y2iqfc"><span lang="HI" style="color: #202124; font-size: 16pt;"> </span></span><span class="y2iqfc"><span lang="HI" style="color: #202124; font-size: 16pt;">फंड</span></span><span class="y2iqfc"><span lang="HI" style="color: #202124; font-size: 16pt;"> </span></span><span class="y2iqfc"><span lang="HI" style="color: #202124; font-size: 16pt;">एक</span></span><span class="y2iqfc"><span lang="HI" style="color: #202124; font-size: 16pt;"> </span></span><span class="y2iqfc"><span lang="HI" style="color: #202124; font-size: 16pt;">अच्छा</span></span><span class="y2iqfc"><span lang="HI" style="color: #202124; font-size: 16pt;"> </span></span></span></pre><pre><span style="font-family: inherit;"><span class="y2iqfc"><span lang="HI" style="color: #202124; font-size: 16pt;">निवेश</span></span><span class="y2iqfc"><span lang="HI" style="color: #202124; font-size: 16pt;"> </span></span><span class="y2iqfc"><span lang="HI" style="color: #202124; font-size: 16pt;">विकल्प</span></span><span class="y2iqfc"><span lang="HI" style="color: #202124; font-size: 16pt;"> </span></span><span class="y2iqfc"><span lang="HI" style="color: #202124; font-size: 16pt;">हो</span></span><span class="y2iqfc"><span lang="HI" style="color: #202124; font-size: 16pt;"> </span></span><span class="y2iqfc"><span lang="HI" style="color: #202124; font-size: 16pt;">सकता</span></span><span class="y2iqfc"><span lang="HI" style="color: #202124; font-size: 16pt;"> </span></span><span class="y2iqfc"><span lang="HI" style="color: #202124; font-size: 16pt;">है।</span></span></span><span style="font-family: inherit;"><span class="y2iqfc"><span lang="HI" style="color: #202124; font-size: 16pt;">हालांकि</span></span><span class="y2iqfc"><span style="color: #202124; font-size: 16pt;">,</span></span><span class="y2iqfc"><span lang="HI" style="color: #202124; font-size: 16pt;">जैसा</span></span><span class="y2iqfc"><span lang="HI" style="color: #202124; font-size: 16pt;"> </span></span><span class="y2iqfc"><span lang="HI" style="color: #202124; font-size: 16pt;">कि</span></span><span class="y2iqfc"><span lang="HI" style="color: #202124; font-size: 16pt;"> </span></span><span class="y2iqfc"><span lang="HI" style="color: #202124; font-size: 16pt;">ऊपर</span></span><span class="y2iqfc"><span lang="HI" style="color: #202124; font-size: 16pt;"> </span></span></span><span lang="HI" style="color: #202124; font-size: 16pt;">चर्चा</span><span class="y2iqfc" style="font-family: inherit;"><span lang="HI" style="color: #202124; font-size: 16pt;"> </span></span><span class="y2iqfc" style="font-family: inherit;"><span lang="HI" style="color: #202124; font-size: 16pt;">की</span></span><span class="y2iqfc" style="font-family: inherit;"><span lang="HI" style="color: #202124; font-size: 16pt;"> </span></span><span class="y2iqfc" style="font-family: inherit;"><span lang="HI" style="color: #202124; font-size: 16pt;">गई</span></span><span class="y2iqfc" style="font-family: inherit;"><span lang="HI" style="color: #202124; font-size: 16pt;"> </span></span><span class="y2iqfc" style="font-family: inherit;"><span lang="HI" style="color: #202124; font-size: 16pt;">है</span></span><span class="y2iqfc" style="font-family: inherit;"><span style="color: #202124; font-size: 16pt;">, </span></span><span class="y2iqfc" style="font-family: inherit;"><span lang="HI" style="color: #202124; font-size: 16pt;">डेट</span></span><span class="y2iqfc" style="font-family: inherit;"><span lang="HI" style="color: #202124; font-size: 16pt;"> </span></span><span class="y2iqfc" style="font-family: inherit;"><span lang="HI" style="color: #202124; font-size: 16pt;">फंड</span></span><span class="y2iqfc" style="font-family: inherit;"><span lang="HI" style="color: #202124; font-size: 16pt;"> </span></span><span class="y2iqfc" style="font-family: inherit;"><span lang="HI" style="color: #202124; font-size: 16pt;">की</span></span><span class="y2iqfc" style="font-family: inherit;"><span lang="HI" style="color: #202124; font-size: 16pt;"> </span></span><span class="y2iqfc" style="font-family: inherit;"><span lang="HI" style="color: #202124; font-size: 16pt;">विभिन्न</span></span><span class="y2iqfc" style="font-family: inherit;"><span lang="HI" style="color: #202124; font-size: 16pt;"> </span></span><span class="y2iqfc" style="font-family: inherit;"><span lang="HI" style="color: #202124; font-size: 16pt;">श्रेणियां</span></span><span class="y2iqfc" style="font-family: inherit;"><span lang="HI" style="color: #202124; font-size: 16pt;"> </span></span></pre><pre><span class="y2iqfc" style="font-family: inherit;"><span lang="HI" style="color: #202124; font-size: 16pt;">अलग</span></span><span class="y2iqfc" style="font-family: inherit;"><span lang="HI" style="color: #202124; font-size: 16pt;">-</span></span><span class="y2iqfc" style="font-family: inherit;"><span lang="HI" style="color: #202124; font-size: 16pt;">अलग</span></span><span class="y2iqfc" style="font-family: inherit;"><span lang="HI" style="color: #202124; font-size: 16pt;"> </span></span><span class="y2iqfc" style="font-family: inherit;"><span lang="HI" style="color: #202124; font-size: 16pt;">जोखिम</span></span><span class="y2iqfc" style="font-family: inherit;"><span lang="HI" style="color: #202124; font-size: 16pt;"> </span></span><span class="y2iqfc" style="font-family: inherit;"><span lang="HI" style="color: #202124; font-size: 16pt;">उठाती</span></span><span class="y2iqfc" style="font-family: inherit;"><span lang="HI" style="color: #202124; font-size: 16pt;"> </span></span><span class="y2iqfc" style="font-family: inherit;"><span lang="HI" style="color: #202124; font-size: 16pt;">हैं।</span></span><span lang="HI" style="color: #202124; font-family: inherit; font-size: 16pt;">इसलिए</span><span class="y2iqfc" style="font-family: inherit;"><span lang="HI" style="color: #202124; font-size: 16pt;"> </span></span><span class="y2iqfc" style="font-family: inherit;"><span lang="HI" style="color: #202124; font-size: 16pt;">डेट</span></span><span class="y2iqfc" style="font-family: inherit;"><span lang="HI" style="color: #202124; font-size: 16pt;"> </span></span><span class="y2iqfc" style="font-family: inherit;"><span lang="HI" style="color: #202124; font-size: 16pt;">फंडों</span></span><span class="y2iqfc" style="font-family: inherit;"><span lang="HI" style="color: #202124; font-size: 16pt;"> </span></span><span class="y2iqfc" style="font-family: inherit;"><span lang="HI" style="color: #202124; font-size: 16pt;">में</span></span><span class="y2iqfc" style="font-family: inherit;"><span lang="HI" style="color: #202124; font-size: 16pt;"> </span></span><span class="y2iqfc" style="font-family: inherit;"><span lang="HI" style="color: #202124; font-size: 16pt;">निवेश </span></span><span lang="HI" style="color: #202124; font-size: 16pt;">करने</span><span class="y2iqfc" style="font-family: inherit;"><span lang="HI" style="color: #202124; font-size: 16pt;"> </span></span><span class="y2iqfc" style="font-family: inherit;"><span lang="HI" style="color: #202124; font-size: 16pt;">से</span></span><span class="y2iqfc" style="font-family: inherit;"><span lang="HI" style="color: #202124; font-size: 16pt;"> </span></span><span class="y2iqfc" style="font-family: inherit;"><span lang="HI" style="color: #202124; font-size: 16pt;">पहले</span></span><span class="y2iqfc" style="font-family: inherit;"><span lang="HI" style="color: #202124; font-size: 16pt;"> </span></span><span class="y2iqfc" style="font-family: inherit;"><span lang="HI" style="color: #202124; font-size: 16pt;">रिसर्च</span></span><span class="y2iqfc" style="font-family: inherit;"><span lang="HI" style="color: #202124; font-size: 16pt;"> </span></span><span class="y2iqfc" style="font-family: inherit;"><span lang="HI" style="color: #202124; font-size: 16pt;">करने</span></span><span class="y2iqfc" style="font-family: inherit;"><span lang="HI" style="color: #202124; font-size: 16pt;"> </span></span><span class="y2iqfc" style="font-family: inherit;"><span lang="HI" style="color: #202124; font-size: 16pt;">की</span></span><span class="y2iqfc" style="font-family: inherit;"><span lang="HI" style="color: #202124; font-size: 16pt;"> </span></span><span class="y2iqfc" style="font-family: inherit;"><span lang="HI" style="color: #202124; font-size: 16pt;">सलाह</span></span></pre><pre><span class="y2iqfc" style="font-family: inherit;"><span lang="HI" style="color: #202124; font-size: 16pt;">दी</span></span><span class="y2iqfc" style="font-family: inherit;"><span lang="HI" style="color: #202124; font-size: 16pt;"> </span></span><span class="y2iqfc" style="font-family: inherit;"><span lang="HI" style="color: #202124; font-size: 16pt;">जाती</span></span><span class="y2iqfc" style="font-family: inherit;"><span lang="HI" style="color: #202124; font-size: 16pt;"> </span></span><span class="y2iqfc" style="font-family: inherit;"><span lang="HI" style="color: #202124; font-size: 16pt;">है।</span></span><span lang="HI" style="color: #202124; font-size: 16pt;">अधिक</span><span class="y2iqfc" style="font-family: inherit;"><span lang="HI" style="color: #202124; font-size: 16pt;"> </span></span><span class="y2iqfc" style="font-family: inherit;"><span lang="HI" style="color: #202124; font-size: 16pt;">प्रश्नों</span></span><span class="y2iqfc" style="font-family: inherit;"><span lang="HI" style="color: #202124; font-size: 16pt;"> </span></span><span class="y2iqfc" style="font-family: inherit;"><span lang="HI" style="color: #202124; font-size: 16pt;">के</span></span><span class="y2iqfc" style="font-family: inherit;"><span lang="HI" style="color: #202124; font-size: 16pt;"> </span></span><span class="y2iqfc" style="font-family: inherit;"><span lang="HI" style="color: #202124; font-size: 16pt;">मामले</span></span><span class="y2iqfc" style="font-family: inherit;"><span lang="HI" style="color: #202124; font-size: 16pt;"> </span></span><span class="y2iqfc" style="font-family: inherit;"><span lang="HI" style="color: #202124; font-size: 16pt;">में</span></span><span class="y2iqfc" style="font-family: inherit;"><span style="color: #202124; font-size: 16pt;">, </span></span><span class="y2iqfc" style="font-family: inherit;"><span lang="HI" style="color: #202124; font-size: 16pt;">आप</span></span><span class="y2iqfc" style="font-family: inherit;"><span lang="HI" style="color: #202124; font-size: 16pt;"> </span></span><span class="y2iqfc" style="font-family: inherit;"><span lang="HI" style="color: #202124; font-size: 16pt;">हमेशा</span></span><span class="y2iqfc" style="font-family: inherit;"><span lang="HI" style="color: #202124; font-size: 16pt;"> </span></span><span class="y2iqfc" style="font-family: inherit;"><span lang="HI" style="color: #202124; font-size: 16pt;">अपने</span></span><span class="y2iqfc" style="font-family: inherit;"><span lang="HI" style="color: #202124; font-size: 16pt;"> </span></span><span class="y2iqfc" style="font-family: inherit;"><span lang="HI" style="color: #202124; font-size: 16pt;">वित्तीय</span></span><span class="y2iqfc" style="font-family: inherit;"><span lang="HI" style="color: #202124; font-size: 16pt;"> </span></span><span class="y2iqfc" style="font-family: inherit;"><span lang="HI" style="color: #202124; font-size: 16pt;">सलाहकार</span></span><span class="y2iqfc" style="font-family: inherit;"><span lang="HI" style="color: #202124; font-size: 16pt;"> </span></span><span class="y2iqfc" style="font-family: inherit;"><span lang="HI" style="color: #202124; font-size: 16pt;">से</span></span><span class="y2iqfc" style="font-family: inherit;"><span lang="HI" style="color: #202124; font-size: 16pt;"> </span></span><span class="y2iqfc" style="font-family: inherit;"><span lang="HI" style="color: #202124; font-size: 16pt;">संपर्क </span></span><span lang="HI" style="color: #202124; font-size: 16pt;">कर</span><span class="y2iqfc" style="font-family: inherit;"><span lang="HI" style="color: #202124; font-size: 16pt;"> </span></span><span lang="HI" style="color: #202124; font-family: inherit; font-size: 16pt;">सकते</span><span class="y2iqfc" style="font-family: inherit;"><span lang="HI" style="color: #202124; font-size: 16pt;"> </span></span><span class="y2iqfc" style="font-family: inherit;"><span lang="HI" style="color: #202124; font-size: 16pt;">हैं।</span></span></pre><pre><span style="color: #202124; font-size: 16pt;"><span style="font-family: inherit;"><o:p></o:p></span></span></pre><pre><span style="color: #202124; font-size: 16pt;"><span style="font-family: inherit;"> </span></span></pre><pre><span style="color: #202124; font-size: 16pt;"><span style="font-family: inherit;"> <div class="separator" style="clear: both; text-align: center;"><a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEgpeFH4mFFHz0KOGD_2hp-P7d0xW0ZyrE5K5dxVsaGORLehP866t2rL5fThemeaJ3w6enG9bEWAaTFYy3XmAuZuUHY6S34BwvhDdRsWAHwd38ymqeGHvm6gVcF8Ni9XnsJKsTsi5XUY2rxSJ4xAz55scGRJRFH7LiwL7dSBtURmXrYGlKBbobzKOzZH/s688/LOGO_V6%20ARTHGYAN%20LLP.png" imageanchor="1" style="margin-left: 1em; margin-right: 1em;"><img border="0" data-original-height="688" data-original-width="688" height="320" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEgpeFH4mFFHz0KOGD_2hp-P7d0xW0ZyrE5K5dxVsaGORLehP866t2rL5fThemeaJ3w6enG9bEWAaTFYy3XmAuZuUHY6S34BwvhDdRsWAHwd38ymqeGHvm6gVcF8Ni9XnsJKsTsi5XUY2rxSJ4xAz55scGRJRFH7LiwL7dSBtURmXrYGlKBbobzKOzZH/s320/LOGO_V6%20ARTHGYAN%20LLP.png" width="320" /></a></div><br /></span></span></pre><pre><span style="font-family: inherit;"><b><span style="color: #202124; font-size: 16pt;"> </span> <span style="font-size: large;">AMFI Registered Mutual Fund Distributor </span></b></span></pre><p class="MsoNormal" style="line-height: normal; margin-bottom: 0.0001pt;"><span style="font-family: inherit; font-size: medium;"><b><span> </span><span lang="HI">6306522855</span><span> </span><span><o:p></o:p></span></b></span></p><p class="MsoNormal" style="line-height: normal; margin-bottom: 0.0001pt;"><span style="font-family: inherit; font-size: medium;"><span> <b>Burlington, Lucknow, </b></span><b><span lang="HI">226001</span><span> </span><span><o:p></o:p></span></b></span></p><p class="MsoNormal" style="line-height: normal; margin-bottom: 0.0001pt;"><span style="font-family: inherit; font-size: medium;"><b><span> customercare@vsix.co.in || www.vsix.co.in</span><span><o:p></o:p></span></b></span></p><p class="MsoNormal" style="line-height: normal; margin-bottom: 0.0001pt;"><span style="font-family: inherit; font-size: medium;"><b><span> </span><span> </span></b></span></p><pre><span style="color: #202124; font-size: 16pt;"><span style="font-family: inherit;"> </span></span></pre><pre><span style="color: #202124; font-size: 16pt;"><span style="font-family: inherit;"> </span></span></pre><pre><span style="color: #202124; font-size: 16pt;"><span style="font-family: inherit;"> </span></span></pre><pre><span style="color: #202124; font-size: 16pt;"><span style="font-family: inherit;"> </span></span></pre><pre><span class="y2iqfc"><span style="color: #202124; font-size: 16pt;"><span style="font-family: inherit;"> </span></span></span></pre><pre><span style="color: #202124; font-size: 16pt;"><span style="font-family: inherit;"> </span></span></pre><p class="MsoNormal" style="background: #F8F9FA; line-height: normal; margin-bottom: .0001pt; margin-bottom: 0cm; tab-stops: 45.8pt 91.6pt 137.4pt 183.2pt 229.0pt 274.8pt 320.6pt 366.4pt 412.2pt 458.0pt 503.8pt 549.6pt 595.4pt 641.2pt 687.0pt 732.8pt;"><b><span style="color: #202124; font-family: "Arial","sans-serif"; font-size: 16.0pt; mso-fareast-font-family: "Times New Roman";"><o:p></o:p></span></b></p>V6 ARTHGYAN LLPhttp://www.blogger.com/profile/18128509813979049058noreply@blogger.com0tag:blogger.com,1999:blog-4746449159280106368.post-13000297241601252802022-10-30T21:51:00.000-07:002022-10-30T21:51:45.319-07:00Different types of Debt Mutual Funds<p><span style="font-family: inherit; font-size: x-large;"><b> Different<span style="letter-spacing: -0.6pt;"> </span>types<span style="letter-spacing: -0.55pt;"> </span>of<span style="letter-spacing: -0.55pt;"> </span>Debt<span style="letter-spacing: -0.6pt;"> </span>Mutual<span style="letter-spacing: -0.55pt;">
</span>Funds</b></span></p><div class="separator" style="clear: both; text-align: center;"><div class="separator" style="clear: both; text-align: center;"><div class="separator" style="clear: both; text-align: center;"><div class="separator" style="clear: both; text-align: center;"><div class="separator" style="clear: both; text-align: center;"><a href="https://blogger.googleusercontent.com/img/a/AVvXsEipyIQHSDIM4arzOfntJ0_1OLHIZdVM3Nl7ro1JHBqPwwGHeyfMfE3jQ2ky88cqtyB7JdND-N9QOgAjUZGlvs5iIRayvv-ug3KDkfKYQrY8lS1x0GGdzkrm3Zonr_rlkICuE7uWlP0AyTSWxEShaineEe9K0m8LooNQ_j1e4wROXhi2NGjU0ULq9Etx" style="margin-left: 1em; margin-right: 1em;"><span style="font-family: inherit; font-size: medium;"><img alt="" data-original-height="403" data-original-width="385" height="463" src="https://blogger.googleusercontent.com/img/a/AVvXsEipyIQHSDIM4arzOfntJ0_1OLHIZdVM3Nl7ro1JHBqPwwGHeyfMfE3jQ2ky88cqtyB7JdND-N9QOgAjUZGlvs5iIRayvv-ug3KDkfKYQrY8lS1x0GGdzkrm3Zonr_rlkICuE7uWlP0AyTSWxEShaineEe9K0m8LooNQ_j1e4wROXhi2NGjU0ULq9Etx=w464-h463" width="464" /></span></a></div></div></div><p class="MsoBodyText" style="margin-bottom: .0001pt; margin-bottom: 0cm; margin-left: 5.25pt; margin-right: 0cm; margin-top: 11.45pt; text-align: justify;"><span style="font-family: inherit; font-size: large;"><b>A<span style="letter-spacing: 0.45pt;"> </span>Primer<span style="letter-spacing: 0.5pt;"> </span>on<span style="letter-spacing: 0.5pt;"> </span>the<span style="letter-spacing: 0.5pt;"> </span>Different<span style="letter-spacing: 0.5pt;"> </span>types<span style="letter-spacing: 0.5pt;"> </span>of<span style="letter-spacing: 0.5pt;"> </span>Debt<span style="letter-spacing: 0.5pt;"> </span>Mutual<span style="letter-spacing: 0.5pt;"> </span>Funds</b></span></p><p class="MsoBodyText" style="margin-bottom: .0001pt; margin-bottom: 0cm; margin-left: 5.25pt; margin-right: 0cm; margin-top: 11.45pt; text-align: justify;"><span style="font-family: inherit; font-size: medium;"><br /></span></p><p class="MsoBodyText" style="line-height: 141%; margin-bottom: .0001pt; margin-bottom: 0cm; margin-left: 5.25pt; margin-right: 5.15pt; margin-top: 0cm; text-align: justify;"><span style="font-family: inherit; font-size: medium;">Are you scared of investing in mutual funds because it invests in the
equity markets? Most of us<span style="letter-spacing: .05pt;"> </span>assume
that investing in mutual funds is akin to investing in the stock market.
However, that is not<span style="letter-spacing: .05pt;"> </span>the case. There
are mutual funds that do not invest in equities. A debt mutual fund is a category
of<span style="letter-spacing: .05pt;"> </span>mutual<span style="letter-spacing: .15pt;"> </span>fund<span style="letter-spacing: .15pt;"> that </span>invests<span style="letter-spacing: .2pt;"> </span>in<span style="letter-spacing: .15pt;"> </span>the<span style="letter-spacing: .15pt;"> </span>debt<span style="letter-spacing: .2pt;"> </span>securities<span style="letter-spacing: .15pt;"> </span>issued<span style="letter-spacing: .15pt;"> </span>by<span style="letter-spacing: .2pt;"> </span>the<span style="letter-spacing: .15pt;"> </span>government<span style="letter-spacing: .15pt;"> </span>and<span style="letter-spacing: .2pt;"> </span>various<span style="letter-spacing: .15pt;"> </span>companies.</span></p><p class="MsoBodyText" style="line-height: 141%; margin-bottom: .0001pt; margin-bottom: 0cm; margin-left: 5.25pt; margin-right: 5.3pt; margin-top: 7.55pt; text-align: justify;"><span style="font-family: inherit; font-size: medium;">Debt is an asset class that is less volatile than equities. Government
bonds, state development<span style="letter-spacing: .05pt;"> </span>loans,
treasury bills, and corporate bonds are some of the types of debt instruments.<span style="letter-spacing: .05pt;"> </span>These debt<span style="letter-spacing: .05pt;"> </span>instruments<span style="letter-spacing: .05pt;"> </span>come<span style="letter-spacing: .05pt;"> </span>with<span style="letter-spacing: .1pt;"> </span>different<span style="letter-spacing: .05pt;"> </span>maturities<span style="letter-spacing: .1pt;"> </span>and<span style="letter-spacing: .05pt;"> </span>risks.</span></p><p class="MsoBodyText" style="line-height: 141%; margin-bottom: .0001pt; margin-bottom: 0cm; margin-left: 5.25pt; margin-right: 5.1pt; margin-top: 4.45pt; text-align: justify;"><!--[if gte vml 1]><v:line id="_x0000_s1026" style='position:absolute;
left:0;text-align:left;z-index:15730176;mso-position-horizontal-relative:page;
mso-position-vertical-relative:page' from="40.65pt,813.85pt" to="40.65pt,29pt"
strokecolor="#3379b6" strokeweight=".26469mm">
<w:wrap anchorx="page" anchory="page"/>
</v:line><![endif]--><!--[if !vml]--><span style="height: 1048px; left: 0px; margin-left: 53px; margin-top: 38px; mso-ignore: vglayout; position: absolute; width: 2px; z-index: 15730176;"><span style="font-family: inherit; font-size: medium;"><img height="1048" src="file:///C:/Users/V6PC2/AppData/Local/Temp/msohtmlclip1/01/clip_image001.gif" v:shapes="_x0000_s1026" width="2" /></span></span><!--[endif]--><!--[if gte vml 1]><v:line id="_x0000_s1027"
style='position:absolute;left:0;text-align:left;z-index:15730688;
mso-position-horizontal-relative:page;mso-position-vertical-relative:page'
from="555.35pt,29pt" to="555.35pt,813.85pt" strokecolor="#3379b6"
strokeweight=".26469mm">
<w:wrap anchorx="page" anchory="page"/>
</v:line><![endif]--><!--[if !vml]--><span style="height: 1048px; left: 0px; margin-left: 739px; margin-top: 38px; mso-ignore: vglayout; position: absolute; width: 2px; z-index: 15730688;"><span style="font-family: inherit; font-size: medium;"><img height="1048" src="file:///C:/Users/V6PC2/AppData/Local/Temp/msohtmlclip1/01/clip_image002.gif" v:shapes="_x0000_s1027" width="2" /></span></span><!--[endif]--><span style="font-family: inherit; font-size: medium;">Debt mutual funds invest in these
securities according to the scheme’s investment objectives.<span style="letter-spacing: .05pt;"> </span>Based on the underlying securities, debt
funds can be segregated into a few categories. Depending<span style="letter-spacing: .05pt;"> </span>on the time horizon, investors can choose the debt funds based
on the maturity periods of the<span style="letter-spacing: .05pt;"> </span>papers<span style="letter-spacing: .1pt;"> </span>held<span style="letter-spacing: .15pt;"> </span>by<span style="letter-spacing: .15pt;"> </span>these<span style="letter-spacing: .15pt;"> </span>funds.<span style="letter-spacing: .15pt;"> </span>Different<span style="letter-spacing: .1pt;">
</span>debt<span style="letter-spacing: .15pt;"> </span>funds<span style="letter-spacing: .15pt;"> </span>are<span style="letter-spacing: .15pt;"> </span>meant for<span style="letter-spacing: .15pt;"> </span>different<span style="letter-spacing: .1pt;">
</span>investors.</span></p><p class="MsoBodyText" style="line-height: 141%; margin-bottom: .0001pt; margin-bottom: 0cm; margin-left: 5.25pt; margin-right: 5.1pt; margin-top: 4.45pt; text-align: justify;"><span style="font-family: inherit; font-size: medium;"><span style="letter-spacing: -0.05pt; text-align: center;">Here</span><span style="letter-spacing: -0.7pt; text-align: center;"> </span><span style="letter-spacing: -0.05pt; text-align: center;">are</span><span style="letter-spacing: -0.65pt; text-align: center;"> </span><span style="letter-spacing: -0.05pt; text-align: center;">some</span><span style="letter-spacing: -0.65pt; text-align: center;"> </span><span style="letter-spacing: -0.05pt; text-align: center;">of</span><span style="letter-spacing: -0.7pt; text-align: center;"> </span><span style="text-align: center;">the<span style="letter-spacing: -.65pt;"> </span>main<span style="letter-spacing: -.65pt;"> </span>types<span style="letter-spacing: -.65pt;">
</span>of<span style="letter-spacing: -.7pt;"> </span>debt<span style="letter-spacing: -.65pt;"> </span>funds:</span></span></p><p class="MsoBodyText" style="line-height: 141%; margin-bottom: .0001pt; margin-bottom: 0cm; margin-left: 5.25pt; margin-right: 5.1pt; margin-top: 4.45pt; text-align: justify;"><span style="font-family: inherit; font-size: medium;"><span style="text-align: center;"><br /></span></span></p><p class="MsoBodyText" style="line-height: 22.56px; margin: 4.45pt 5.1pt 0.0001pt 5.25pt; text-align: justify;"><span style="font-family: inherit; font-size: medium;"><b>Liquid Fund:- </b></span></p><p class="MsoBodyText" style="line-height: 22.56px; margin: 4.45pt 5.1pt 0.0001pt 5.25pt; text-align: justify;"><span style="font-family: inherit;"><span style="font-size: medium;"><span style="text-indent: 64.35pt;">Liquid Fund carries the lowest risk among the different mutual fund categories. It has</span><span style="letter-spacing: 0.05pt; text-indent: 64.35pt;"> </span><span style="text-indent: 64.35pt;">the lowest</span><span style="letter-spacing: 0.05pt; text-indent: 64.35pt;"> </span><span style="text-indent: 64.35pt;">risk</span><span style="letter-spacing: 0.05pt; text-indent: 64.35pt;"> </span><span style="text-indent: 64.35pt;">as</span><span style="letter-spacing: 0.05pt; text-indent: 64.35pt;"> </span><span style="text-indent: 64.35pt;">it</span><span style="letter-spacing: 0.05pt; text-indent: 64.35pt;"> </span><span style="text-indent: 64.35pt;">invests</span><span style="letter-spacing: 0.05pt; text-indent: 64.35pt;"> </span><span style="text-indent: 64.35pt;">in high-quality</span><span style="letter-spacing: 0.05pt; text-indent: 64.35pt;"> </span><span style="text-indent: 64.35pt;">debt</span><span style="letter-spacing: 0.05pt; text-indent: 64.35pt;"> </span><span style="text-indent: 64.35pt;">papers</span><span style="letter-spacing: 0.05pt; text-indent: 64.35pt;"> </span><span style="text-indent: 64.35pt;">that</span><span style="letter-spacing: 0.05pt; text-indent: 64.35pt;"> </span><span style="text-indent: 64.35pt;">mature</span><span style="letter-spacing: 0.05pt; text-indent: 64.35pt;"> </span><span style="text-indent: 64.35pt;">within 91</span><span style="letter-spacing: 0.05pt; text-indent: 64.35pt;"> </span><span style="text-indent: 64.35pt;">days. </span><span style="text-align: center;">The main objective of liquid funds is to provide liquidity. It helps investors to park surplus cash for</span><span style="letter-spacing: 0.05pt; text-align: center;"> </span><span style="text-align: center;">a </span></span><span style="font-size: medium;"><span style="text-align: center;">certain</span><span style="letter-spacing: 1.05pt; text-align: center;"> </span><span style="text-align: center;">period</span><span style="letter-spacing: 1.05pt; text-align: center;"> </span><span style="text-align: center;">and</span><span style="letter-spacing: 1.1pt; text-align: center;"> </span><span style="text-align: center;">receive</span><span style="letter-spacing: 1.05pt; text-align: center;"> </span><span style="text-align: center;">better</span><span style="letter-spacing: 1.1pt; text-align: center;"> </span><span style="text-align: center;">returns</span><span style="letter-spacing: 1.05pt; text-align: center;"> </span><span style="text-align: center;">than</span><span style="letter-spacing: 1.1pt; text-align: center;"> </span><span style="text-align: center;">savings</span><span style="letter-spacing: 1.05pt; text-align: center;"> </span><span style="text-align: center;">accounts.</span><span style="letter-spacing: 1.1pt; text-align: center;"> </span><span style="text-align: center;">Unlike</span><span style="letter-spacing: 1.05pt; text-align: center;"> </span><span style="text-align: center;">fixed</span><span style="letter-spacing: 1.1pt; text-align: center;"> </span><span style="text-align: center;">deposits,</span><span style="letter-spacing: 1.05pt; text-align: center;"> </span><span style="text-align: center;">liquid</span><span style="letter-spacing: 1.1pt; text-align: center;"> </span><span style="text-align: center;">funds</span><span style="letter-spacing: -2.65pt; text-align: center;"> </span><span style="text-align: center;">do not have any maturity period. You can also redeem money from liquid funds.</span></span></span></p><p class="MsoBodyText" style="line-height: 22.56px; margin: 4.45pt 5.1pt 0.0001pt 5.25pt; text-align: justify;"><span style="font-family: inherit;"><span style="font-size: large; text-align: center;">Currently,</span><span style="font-size: large; letter-spacing: 0.05pt; text-align: center;"> </span><span style="font-size: large; text-align: center;">investors</span><span style="font-size: large; letter-spacing: 0.1pt; text-align: center;"> </span><span style="font-size: large; text-align: center;">can</span><span style="font-size: large; letter-spacing: 0.15pt; text-align: center;"> </span><span style="font-size: large; text-align: center;">redeem</span><span style="font-size: large; letter-spacing: 0.15pt; text-align: center;"> </span><span style="font-size: large; text-align: center;">up</span><span style="font-size: large; letter-spacing: 0.15pt; text-align: center;"> </span><span style="font-size: large; text-align: center;">to</span><span style="font-size: large; letter-spacing: 0.15pt; text-align: center;"> </span><span style="font-size: large; text-align: center;">Rs.50,000</span><span style="font-size: large; letter-spacing: 0.15pt; text-align: center;"> </span><span style="font-size: large; text-align: center;">or</span><span style="font-size: large; letter-spacing: 0.15pt; text-align: center;"> </span><span style="font-size: large; text-align: center;">90%</span><span style="font-size: large; letter-spacing: 0.15pt; text-align: center;"> </span><span style="font-size: large; text-align: center;">of</span><span style="font-size: large; letter-spacing: 0.15pt; text-align: center;"> </span><span style="font-size: large; text-align: center;">the</span><span style="font-size: large; letter-spacing: 0.15pt; text-align: center;"> </span><span style="font-size: large; text-align: center;">total</span><span style="font-size: large; letter-spacing: 0.15pt; text-align: center;"> </span><span style="font-size: large; text-align: center;">amount,</span><span style="font-size: large; text-align: center;">whichever</span><span style="font-size: large; letter-spacing: 0.15pt; text-align: center;"> </span><span style="font-size: large; text-align: center;">is</span><span style="font-size: large; text-align: center;">lower,</span><span style="font-size: large; letter-spacing: 0.15pt; text-align: center;"> </span><span style="font-size: large; text-align: center;">instantly.</span></span></p><p class="MsoBodyText" style="line-height: 22.56px; margin: 4.45pt 5.1pt 0.0001pt 5.25pt; text-align: justify;"><span style="text-align: center;"><span style="font-family: inherit; font-size: medium;">Also, given the series of downgrades and defaults, the market regulator has laid down stricter
norms for liquid funds. According to the new guidelines, liquid funds have to invest at least 20% of
their portfolio in liquid assets such as cash, government securities, treasury bills, and repo
instruments. Moreover, liquid funds can now invest only up to 20% in a single sector and not more
than 10 percent in housing finance companies.</span></span></p><p class="MsoBodyText" style="line-height: 22.56px; margin: 4.45pt 5.1pt 0.0001pt 5.25pt; text-align: justify;"><span style="font-family: inherit; font-size: medium;">Liquid Funds are good investment options for your short-term goals such as planning for a vacation<span style="letter-spacing: 0.05pt;"> </span>or<span style="letter-spacing: 0.05pt;"> </span>saving<span style="letter-spacing: 0.05pt;"> </span>money<span style="letter-spacing: 0.05pt;"> </span>for<span style="letter-spacing: 0.05pt;"> </span>a<span style="letter-spacing: 0.1pt;"> </span>new<span style="letter-spacing: 0.05pt;"> </span>laptop.</span></p><p class="MsoBodyText" style="line-height: 141%; margin-bottom: .0001pt; margin-bottom: 0cm; margin-left: 5.25pt; margin-right: 5.1pt; margin-top: 4.45pt; text-align: justify;"><span style="font-family: inherit; font-size: medium;"><b>Overnight Fund:- </b></span></p><p class="MsoBodyText" style="line-height: 141%; margin-bottom: .0001pt; margin-bottom: 0cm; margin-left: 5.25pt; margin-right: 5.1pt; margin-top: 4.45pt; text-align: justify;"><span style="font-family: inherit; font-size: medium;">As the name suggests, these debt funds will invest in overnight
securities that<span style="letter-spacing: 0.05pt;"> </span>mature in one day. It
can be a good investment option for individuals who want to park their money<span style="letter-spacing: 0.05pt;"> </span>for<span style="letter-spacing: 0.05pt;"> </span>a<span style="letter-spacing: 0.05pt;"> </span>day<span style="letter-spacing: 0.05pt;"> </span>or<span style="letter-spacing: 0.05pt;"> </span>two.</span></p><p class="MsoBodyText" style="line-height: 141%; margin-bottom: .0001pt; margin-bottom: 0cm; margin-left: 5.25pt; margin-right: 5.1pt; margin-top: 4.45pt; text-align: justify;"><span style="font-family: inherit; font-size: medium;"><b>Money Market Funds: </b></span></p><p class="MsoBodyText" style="line-height: 141%; margin-bottom: .0001pt; margin-bottom: 0cm; margin-left: 5.25pt; margin-right: 5.1pt; margin-top: 4.45pt; text-align: justify;"><span style="font-family: inherit; font-size: medium;"><span style="text-align: center;">Money</span><span style="letter-spacing: 0.05pt; text-align: center;"> </span><span style="text-align: center;">Market</span><span style="letter-spacing: 0.05pt; text-align: center;"> </span><span style="text-align: center;">funds</span><span style="letter-spacing: 0.05pt; text-align: center;"> </span><span style="text-align: center;">will</span><span style="letter-spacing: 0.05pt; text-align: center;"> </span><span style="text-align: center;">invest</span><span style="letter-spacing: 0.05pt; text-align: center;"> </span><span style="text-align: center;">in</span><span style="letter-spacing: 0.05pt; text-align: center;"> </span><span style="text-align: center;">money</span><span style="letter-spacing: 0.05pt; text-align: center;"> </span><span style="text-align: center;">market</span><span style="letter-spacing: 2.7pt; text-align: center;"> </span><span style="text-align: center;">instruments</span><span style="letter-spacing: 2.75pt; text-align: center;"> </span><span style="text-align: center;">with</span><span style="letter-spacing: 2.75pt; text-align: center;"> </span><span style="text-align: center;">a</span><span style="letter-spacing: 0.05pt; text-align: center;"> </span><span style="text-align: center;">maturity</span><span style="letter-spacing: 0.05pt; text-align: center;">
</span><span style="text-align: center;">period</span><span style="letter-spacing: 0.05pt; text-align: center;"> </span><span style="text-align: center;">of</span><span style="letter-spacing: 0.1pt; text-align: center;"> </span><span style="text-align: center;">within</span><span style="letter-spacing: 0.05pt; text-align: center;"> </span><span style="text-align: center;">1</span><span style="letter-spacing: 0.1pt; text-align: center;"> </span><span style="text-align: center;">year.</span><span style="letter-spacing: 0.05pt; text-align: center;"> </span><span style="text-align: center;">Money</span><span style="letter-spacing: 0.05pt; text-align: center;"> </span><span style="text-align: center;">market</span><span style="letter-spacing: 0.1pt; text-align: center;"> </span><span style="text-align: center;">instruments</span><span style="letter-spacing: 0.05pt; text-align: center;"> </span><span style="text-align: center;">include.</span></span></p><p class="MsoBodyText" style="line-height: 141%; margin-bottom: .0001pt; margin-bottom: 0cm; margin-left: 5.25pt; margin-right: 5.1pt; margin-top: 4.45pt; text-align: justify;"><span style="font-family: inherit; font-size: medium;"><b>Duration Funds: </b></span></p><p class="MsoBodyText" style="line-height: 141%; margin-bottom: .0001pt; margin-bottom: 0cm; margin-left: 5.25pt; margin-right: 5.1pt; margin-top: 4.45pt; text-align: justify;"><span style="font-family: inherit; font-size: medium;">These debt funds invest in debt securities with a maturity period. Ultra-short-duration funds, low-duration funds, short-duration funds, medium-duration funds, medium to long-duration funds, and long-duration funds are the different categories of duration funds. Ultra-short-duration funds will invest in debt securities with a maturity between three months to six months.
Low-duration funds, short-duration funds, medium-duration funds, medium to long-duration funds, and long-duration funds will invest in papers maturing six to12 months, one year to three years,
three years to four years, four to seven years, and greater than seven years respectively.</span></p><p class="MsoBodyText" style="line-height: 141%; margin-bottom: .0001pt; margin-bottom: 0cm; margin-left: 5.25pt; margin-right: 5.1pt; margin-top: 4.45pt; text-align: justify;"><span style="font-family: inherit; font-size: medium;">Duration funds will help you to invest in a fund based on your time horizon. E.g., if you are planning
for a vacation in the next six to 12 months, you can invest in a low-duration fund.</span></p><p class="MsoBodyText" style="line-height: 22.56px; margin: 4.45pt 5.1pt 0.0001pt 5.25pt; text-align: justify;"><span style="font-family: inherit; font-size: medium;"><b><span style="text-align: center;">Dynamic</span><span style="letter-spacing: 0.5pt; text-align: center;"> </span><span style="text-align: center;">Bond</span><span style="letter-spacing: 0.55pt; text-align: center;"> </span><span style="text-align: center;">Funds</span></b></span></p><p class="MsoBodyText" style="line-height: 22.56px; margin: 4.45pt 5.1pt 0.0001pt 5.25pt; text-align: justify;"><span style="font-family: inherit; font-size: medium;">While duration funds invest in papers with a fixed maturity period, dynamic bond funds can
invest in papers maturing at different periods. The average maturity of the papers of these
funds will depend on the interest rate scenarios. If the fund manager believes that the interest rate is likely to inch lower, they will increase the allocation of long-term bonds such as government
bonds, and vice versa.</span></p><p class="MsoBodyText" style="line-height: 22.56px; margin: 4.45pt 5.1pt 0.0001pt 5.25pt; text-align: justify;"><span style="font-family: inherit; font-size: medium;"><b><span style="text-align: center;">Corporate</span><span style="letter-spacing: 0.55pt; text-align: center;"> </span><span style="text-align: center;">Bond</span><span style="letter-spacing: 0.6pt; text-align: center;"> </span><span style="text-align: center;">Funds</span></b></span></p><p class="MsoBodyText" style="line-height: 141%; margin-bottom: .0001pt; margin-bottom: 0cm; margin-left: 5.25pt; margin-right: 5.2pt; margin-top: 0cm; text-align: justify;"><span style="font-family: inherit; font-size: medium;">Corporate<span style="letter-spacing: 1.4pt;"> </span>bond funds<span style="letter-spacing: 1.4pt;"> </span>primarily<span style="letter-spacing: 1.45pt;">
</span>invest<span style="letter-spacing: 1.4pt;"> </span>in<span style="letter-spacing: 1.45pt;"> </span>high-rated<span style="letter-spacing: 1.45pt;"> </span>corporate<span style="letter-spacing: 1.4pt;"> </span>bonds.<span style="letter-spacing: 1.45pt;"> </span>Corporate<span style="letter-spacing: 1.4pt;"> </span>bonds<span style="letter-spacing: 1.45pt;"> </span>are<span style="letter-spacing: 1.4pt;"> </span>issued<span style="letter-spacing: -2.6pt;">
</span>by<span style="letter-spacing: 2.45pt;"> </span>various<span style="letter-spacing: 2.5pt;"> </span>companies.<span style="letter-spacing: 2.5pt;"> </span>According<span style="letter-spacing: 2.5pt;"> </span>to<span style="letter-spacing: 2.5pt;"> </span>the<span style="letter-spacing: 2.5pt;"> </span>recent<span style="letter-spacing: 2.45pt;"> </span>SEBI<span style="letter-spacing: 2.5pt;"> </span>guidelines,<span style="letter-spacing: 2.5pt;"> </span>corporate<span style="letter-spacing: 2.5pt;">
</span>bond<span style="letter-spacing: 2.5pt;"> </span>funds<span style="letter-spacing: 2.5pt;"> </span>have<span style="letter-spacing: 2.5pt;"> </span>to<span style="letter-spacing: -2.65pt;"> </span>invest nearly 80% of their portfolio in
AAA-rated corporate bond funds. Corporate bond funds carry<span style="letter-spacing: .05pt;"> a </span>higher risk than ultra-short and short-term funds and hence it is suitable for investors who can take<span style="letter-spacing: .05pt;"> </span>higher<span style="letter-spacing: .05pt;"> </span>risk.</span></p><p class="MsoBodyText" style="line-height: 22.56px; margin: 4.45pt 5.1pt 0.0001pt 5.25pt; text-align: justify;"><span style="font-family: inherit; font-size: medium;"><b>Credit Risk Funds</b></span></p><p class="MsoBodyText" style="line-height: 22.56px; margin: 4.45pt 5.1pt 0.0001pt 5.25pt; text-align: justify;"><span style="font-family: inherit; font-size: medium;">Credit Risk Funds mainly invest in debt securities that are rated AA by various agencies. Fund
managers invest in lower-rated papers that are likely to be upgraded in the future, which increases
the value of the paper. As it invests in lower than AAA-rated papers, credit-risk funds also have the
potential to give higher returns than other debt funds. However, it also comes with higher risk as
well. </span></p><p class="MsoBodyText" style="line-height: 22.56px; margin: 4.45pt 5.1pt 0.0001pt 5.25pt; text-align: justify;"><span style="font-family: inherit; font-size: medium;"><b>Gilt funds </b></span></p><p class="MsoBodyText" style="line-height: 22.56px; margin: 4.45pt 5.1pt 0.0001pt 5.25pt; text-align: justify;"><span style="text-align: center;"><span style="font-family: inherit; font-size: medium;">Gilt funds only invest in government securities of different maturities. Gilt funds perform well when
the interest rate is moving south. Investors who want to invest for the long run can invest in these
funds. It also comes with higher risk than short-term debt funds.</span></span></p><p class="MsoBodyText" style="line-height: 22.56px; margin: 4.45pt 5.1pt 0.0001pt 5.25pt; text-align: justify;"><span style="font-family: inherit; font-size: medium;"><b><span style="text-align: center;">Conclusion:</span> </b></span></p><p class="MsoBodyText" style="line-height: 22.56px; margin: 4.45pt 5.1pt 0.0001pt 5.25pt; text-align: justify;"><span style="text-align: center;"><span style="font-family: inherit; font-size: medium;">If you are looking for a tax-efficient investment option that carries a lower risk, debt funds can be a
good investment option. However, as discussed above, different categories of debt funds carry
different risks. So, research is highly recommended before investing in debt funds. In case of
further queries, you can always reach out to your financial advisor. </span></span></p><div><span style="font-family: inherit; font-size: medium;"><br /></span></div><div><span style="font-family: inherit; font-size: medium;"><img border="0" data-original-height="131" data-original-width="162" height="268" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEiD5tEs9VlzLi7r8lN8kE4wLamTJYpqOqyX17cxpdPR6dsqDtGvYbgLs04yukcniaVyfZ0dDX-Ut1ulpVoJydmd-qlHtNs2hR8D4tGRkhqMXKUh9teSCzSu1PFakQNDpnfBquV59PsmydG8P6yO4lRn8E860vtOJu6kdPlxFEK1FeqmXaF8miL53J0_/w286-h268/image%20(1).png" width="286" /></span></div><div><p class="MsoNormal" style="line-height: normal; text-align: left;"><span><span style="background: rgb(248, 249, 250); font-family: inherit; font-size: medium;"><b> AMFI Registered Mutual Fund Distributor </b></span></span></p><p class="MsoNormal" style="line-height: normal; margin-bottom: 0.0001pt; text-align: left;"><span style="font-family: inherit; font-size: medium;"><b><span> </span><span lang="HI">6306522855</span><span> </span><span><o:p></o:p></span></b></span></p><p class="MsoNormal" style="line-height: normal; margin-bottom: 0.0001pt; text-align: left;"><span style="font-family: inherit; font-size: medium;"><span> <b>Burlington, Lucknow, </b></span><b><span lang="HI">226001</span><span> </span><span><o:p></o:p></span></b></span></p><p class="MsoNormal" style="line-height: normal; margin-bottom: 0.0001pt; text-align: left;"><span style="font-family: inherit; font-size: medium;"><b><span> customercare@vsix.co.in || www.vsix.co.in</span><span><o:p></o:p></span></b></span></p><p class="MsoNormal" style="line-height: normal; margin-bottom: 0.0001pt; text-align: left;"><span style="font-family: inherit; font-size: medium;"><b><span> </span><span> </span></b></span></p><p class="MsoNormal" style="line-height: normal; text-align: left;"><o:p><span style="font-family: inherit; font-size: medium;"> </span></o:p></p></div></div></div><p></p>V6 ARTHGYAN LLPhttp://www.blogger.com/profile/18128509813979049058noreply@blogger.com0tag:blogger.com,1999:blog-4746449159280106368.post-36843006986742272902022-10-14T21:33:00.000-07:002022-10-14T21:33:50.769-07:00जोखिम को समझना<div class="separator"><p class="MsoNormal" style="line-height: normal; mso-margin-bottom-alt: auto; mso-margin-top-alt: auto;"><span style="font-family: inherit;"><b><span style="font-size: 12pt;"><br />
</span></b><b><span style="font-size: 18pt;"> </span></b><b><span lang="HI" style="font-size: 18pt;">टैक्स
बचाने के लिए आपको क्या</span></b><b><span style="font-size: 18pt;"> </span></b><b><span lang="HI" style="font-size: 24pt;">चुनना चाहिए</span></b><b><span style="font-size: 24pt;">?</span></b><span style="font-size: 12pt;"><o:p></o:p></span></span></p><p class="MsoNormal" style="line-height: normal; mso-margin-bottom-alt: auto; mso-margin-top-alt: auto;"><b><span style="font-size: 24pt;"><span style="font-family: inherit;"><br /></span></span></b></p><p class="MsoNormal" style="line-height: normal; mso-margin-bottom-alt: auto; mso-margin-top-alt: auto;"><b><span style="font-size: 24pt;"><span style="font-family: inherit;"> </span></span></b></p><div class="separator" style="clear: both; text-align: center;"><b><span style="font-family: inherit;"><a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEhRapanJplGmRewzpZE3biDtkm1kRdGXBsDJktpiK2aJ8uXNCitWYWKRd3PjYzWqKNewv3K2D-lY7KnfVzDuUk5N2YCSotZAzQ5QpZGh19Z9hMi2cTTO5Mo6c-sKXsnAnQDz2XHT6ygIyME1FUWIA7mwGz6nD2DEiW5Fd6dtIaGxLK_AlEpcId18n0K/s671/9451.PNG" style="margin-left: 1em; margin-right: 1em;"><img border="0" data-original-height="380" data-original-width="671" height="363" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEhRapanJplGmRewzpZE3biDtkm1kRdGXBsDJktpiK2aJ8uXNCitWYWKRd3PjYzWqKNewv3K2D-lY7KnfVzDuUk5N2YCSotZAzQ5QpZGh19Z9hMi2cTTO5Mo6c-sKXsnAnQDz2XHT6ygIyME1FUWIA7mwGz6nD2DEiW5Fd6dtIaGxLK_AlEpcId18n0K/w640-h363/9451.PNG" width="640" /></a></span></b></div><b><span style="font-family: inherit;"><br /> </span></b><p></p><p class="MsoNormal" style="line-height: normal; mso-margin-bottom-alt: auto; mso-margin-top-alt: auto;"><span style="font-size: 12pt;"><span style="font-family: inherit;"> </span></span></p><p class="MsoNormal" style="line-height: normal; margin-bottom: 0cm;"><span style="font-size: 12pt;"><span style="font-family: inherit;"> </span></span></p><p class="MsoNormal" style="line-height: normal; mso-margin-bottom-alt: auto; mso-margin-top-alt: auto;"><span style="font-family: inherit;"><b><span lang="HI" style="font-size: 18pt;">ईएलएसएस बनाम पीपीएफ: कौन सा टैक्स सेविंग
इंस्ट्रूमेंट बेहतर है</span></b><span style="font-size: 12pt;"><o:p></o:p></span></span></p><p class="MsoNormal" style="line-height: normal; mso-margin-bottom-alt: auto; mso-margin-top-alt: auto;"><span style="font-size: 12pt;"><span style="font-family: inherit;"> </span></span></p><p class="MsoNormal" style="background: rgb(248, 249, 250); line-height: normal; margin-bottom: 0cm; mso-margin-top-alt: auto;"><span style="font-family: inherit;"><i><span lang="HI" style="color: #202124; font-size: 13.5pt;">"... लेकिन इस दुनिया में मृत्यु और करों को छोड़कर कुछ भी
निश्चित नहीं कहा जा सकता है।"</span></i><span style="font-size: 12pt;"><o:p></o:p></span></span></p><p class="MsoNormal" style="background: rgb(248, 249, 250); line-height: normal; margin-bottom: 0cm; mso-margin-top-alt: auto;"><span style="font-family: inherit;"><span style="color: #202124; font-size: 23.5pt;"> </span><span style="font-size: 12pt;"><o:p></o:p></span></span></p><p class="MsoNormal" style="background: rgb(248, 249, 250); line-height: normal; margin-bottom: 0cm; mso-margin-top-alt: auto;"><span style="font-family: inherit;"><span lang="HI" style="color: #202124; font-size: 13.5pt;">बेंजामिन
फ्रैंकलिन</span><span style="font-size: 12pt;"><o:p></o:p></span></span></p><p class="MsoNormal" style="background: rgb(248, 249, 250); line-height: normal; margin-bottom: 0cm; mso-margin-top-alt: auto;"><span style="font-family: inherit;"><span lang="HI" style="color: #202124; font-size: 13.5pt;">जबकि हम मौत के
साथ चतुर नहीं हो सकते हैं</span><span style="color: #202124; font-size: 13.5pt;">, </span><span lang="HI" style="color: #202124; font-size: 13.5pt;">हम करों के साथ होशियार हो सकते हैं
और अपनी मेहनत की कमाई को बचा सकते हैं। इक्विटी लिंक्ड सेविंग्स स्कीम (ईएलएसएस)</span><span style="color: #202124; font-size: 13.5pt;">, </span><span lang="HI" style="color: #202124; font-size: 13.5pt;">पब्लिक प्रोविडेंट फंड (पीपीएफ) और नेशनल पेंशन सिस्टम (एनपीएस) और
टैक्स सेविंग फिक्स्ड डिपॉजिट आदि जैसे विभिन्न उपकरणों में निवेश करके टैक्स बचा
सकते हैं।</span><span style="font-size: 12pt;"><o:p></o:p></span></span></p><p class="MsoNormal" style="background: rgb(248, 249, 250); line-height: normal; margin-bottom: 0cm; mso-margin-top-alt: auto;"><span style="font-family: inherit;"><span lang="HI" style="color: #202124; font-size: 13.5pt;">इन टैक्स सेविंग
विकल्पों में से ईएलएसएस और पीपीएफ सबसे लोकप्रिय हैं। इन दो विकल्पों में से एक
वित्तीय वर्ष में 1.5 लाख रुपये तक का निवेश आयकर अधिनियम 1961 की धारा 80 सी के
तहत कर कटौती के लिए योग्य है।</span><span style="font-size: 12pt;"><o:p></o:p></span></span></p><p class="MsoNormal" style="background: rgb(248, 249, 250); line-height: normal; margin-bottom: 0cm; mso-margin-top-alt: auto;"><span style="font-family: inherit;"><span lang="HI" style="color: #202124; font-size: 13.5pt;">क्या आपने पीपीएफ
या ईएलएसएस में निवेश किया है</span><span style="color: #202124; font-size: 13.5pt;">? </span><span lang="HI" style="color: #202124; font-size: 13.5pt;">इस लेख में</span><span style="color: #202124; font-size: 13.5pt;">, </span><span lang="HI" style="color: #202124; font-size: 13.5pt;">हम इन दो टैक्स सेविंग इंस्ट्रूमेंट्स की तुलना करेंगे जो आपको
आपके लिए सही एक का पता लगाने में मदद करेंगे।</span><span style="font-size: 12pt;"><o:p></o:p></span></span></p><p class="MsoNormal" style="background: rgb(248, 249, 250); line-height: normal; margin-bottom: 0cm; mso-margin-top-alt: auto;"><span style="font-family: inherit;"><span style="color: #202124; font-size: 13.5pt;"> </span><span style="font-size: 12pt;"><o:p></o:p></span></span></p><p class="MsoNormal" style="background: rgb(248, 249, 250); line-height: normal; margin-bottom: 0cm; mso-margin-top-alt: auto;"><span style="font-size: 12pt;"><span style="font-family: inherit;"> </span></span></p><p class="MsoNormal" style="background: rgb(248, 249, 250); line-height: normal; margin-bottom: 0cm; mso-margin-top-alt: auto;"><span style="font-family: inherit;"><b><span lang="HI" style="color: #202124; font-size: 18pt;">लॉक-इन अवधि:</span></b><b><span style="color: #202124; font-size: 12pt;"> </span></b><span lang="HI" style="color: #202124; font-size: 13.5pt;">लॉक-इन अवधि: ईएलएसएस और पीपीएफ दोनों ही लॉक-इन अवधि के साथ आते
हैं। ईएलएसएस फंड में तीन साल की लॉक-इन अवधि होती है जबकि पीपीएफ में 15 साल की
लॉक-इन अवधि होती है। हालांकि</span><span style="color: #202124; font-size: 13.5pt;">, </span><span lang="HI" style="color: #202124; font-size: 13.5pt;">पीपीएफ में आप
सातवें साल के बाद आंशिक निकासी कर सकते हैं। इसलिए</span><span style="color: #202124; font-size: 13.5pt;">, </span><span lang="HI" style="color: #202124; font-size: 13.5pt;">हम देखते हैं कि ईएलएसएस में पीपीएफ की तुलना में कम लॉक-इन अवधि
होती है। इसका मतलब है कि आप तीन साल के बाद ईएलएसएस फंड की इकाइयों को भुना सकते
हैं। हालांकि</span><span style="color: #202124; font-size: 13.5pt;">, </span><span lang="HI" style="color: #202124; font-size: 13.5pt;">यह सुझाव दिया जाता है कि आप इसे
रिडीम न करें</span><span style="color: #202124; font-size: 13.5pt;">, </span><span lang="HI" style="color: #202124; font-size: 13.5pt;">क्योंकि निवेश किए जाने से आपकी
पूंजी समय के साथ बढ़ेगी।</span><span style="font-size: 12pt;"><o:p></o:p></span></span></p><p class="MsoNormal" style="line-height: normal; mso-margin-bottom-alt: auto; mso-margin-top-alt: auto;"><span style="font-family: inherit;"><b><span lang="HI" style="font-size: 18pt;">रिटर्न:</span></b><span style="font-size: 13.5pt;"> </span><span lang="HI" style="font-size: 13.5pt;">रिटर्न
पीपीएफ और ईएलएसएस को अलग करने वाले प्रमुख कारकों में से एक है। भारत</span><span style="font-size: 13.5pt;"> </span><span lang="HI" style="font-size: 13.5pt;">सरकार
हर तिमाही पीपीएफ की ब्याज दर तय करती है। दूसरी ओर</span><span style="font-size: 13.5pt;">, </span><span lang="HI" style="font-size: 13.5pt;">ईएलएसएस
में रिटर्न सुनिश्चित</span><span style="font-size: 13.5pt;"> </span><span lang="HI" style="font-size: 13.5pt;">नहीं
है और यह इक्विटी मार्केट से जुड़ा हुआ है। अगर हम दोनों विकल्पों के ऐतिहासिक
प्रदर्शन को</span><span style="font-size: 13.5pt;"> </span><span lang="HI" style="font-size: 13.5pt;">देखें</span><span style="font-size: 13.5pt;">, </span><span lang="HI" style="font-size: 13.5pt;">तो</span><span style="font-size: 13.5pt;"> </span><span lang="HI" style="font-size: 13.5pt;">पिछले</span><span style="font-size: 13.5pt;"> </span><span lang="HI" style="font-size: 13.5pt;">दस
वर्षों में ईएलएसएस फंड ने</span><span style="font-size: 13.5pt;"> 13.55%* </span><span lang="HI" style="font-size: 13.5pt;">का
रिटर्न दिया है</span><span style="font-size: 13.5pt;">, </span><span lang="HI" style="font-size: 13.5pt;">जबकि
पीपीएफ में</span><span style="font-size: 13.5pt;"> </span><span lang="HI" style="font-size: 13.5pt;">ब्याज
दरें</span><span style="font-size: 13.5pt;"> 7.6% </span><span lang="HI" style="font-size: 13.5pt;">से</span><span style="font-size: 13.5pt;"> 8.8% </span><span lang="HI" style="font-size: 13.5pt;">के
बीच रही हैं।</span><span style="font-size: 12pt;"><o:p></o:p></span></span></p><p class="MsoNormal" style="line-height: normal; margin-bottom: 0cm; mso-margin-top-alt: auto;"><span style="font-family: inherit;"><b><u><span lang="HI" style="color: #202124; font-size: 18pt;">शोध के अनुसार</span></u></b><span style="color: #202124; font-size: 18pt;"> </span><span style="font-size: 13.5pt;"><a href="https://www.valueresearchonline.com/story/h2_storyview.asp?str=26860&utm_source=2019-07-09-insight&utm_content=Tue-1200&utm_medium=email&utm_campaign=insight"><b><span color="windowtext" style="mso-bidi-font-size: 10.0pt;">(https://www.valueresearchonline.com/story/h2_storyview.asp?<span style="letter-spacing: 0.05pt;"> </span>str=26860&utm_source=2019-07-09-insight&utm_content=Tue-</span></b></a></span><span style="font-size: 12pt;"><o:p></o:p></span></span></p><p class="MsoNormal" style="line-height: normal; mso-margin-bottom-alt: auto; mso-margin-top-alt: auto;"><span style="font-family: inherit;"><b><span style="font-size: 13.5pt;"><a href="https://www.valueresearchonline.com/story/h2_storyview.asp?str=26860&utm_source=2019-07-09-insight&utm_content=Tue-1200&utm_medium=email&utm_campaign=insight"><span color="windowtext" style="mso-bidi-font-size: 10.0pt;">1200&utm_medium=email&utm_campaign=insight)<span style="letter-spacing: 0.05pt;"> </span>by<span style="letter-spacing: 0.05pt;"> </span>Value<span style="letter-spacing: 0.05pt;"> </span>Research,<span style="letter-spacing: 0.05pt;"> </span>an<span style="letter-spacing: 0.05pt;"> </span>investment<span style="letter-spacing: 0.05pt;"> </span>of<span style="letter-spacing: 2.7pt;"> </span>Rs.1.5</span></a> </span></b><span lang="HI" style="font-size: 13.5pt;">पिछले</span><span style="font-size: 13.5pt;"> 20 </span><span lang="HI" style="font-size: 13.5pt;">वर्षों
में हर साल लाख</span><span style="font-size: 13.5pt;">, </span><span lang="HI" style="font-size: 13.5pt;">पीपीएफ
में बढ़कर</span><span style="font-size: 13.5pt;"> 79.39 </span><span lang="HI" style="font-size: 13.5pt;">लाख
रुपये हो गया है।जबकि इसी समयावधि में ईएलएसएस में निवेश बढ़कर</span><span style="font-size: 13.5pt;"> 2.28 </span><span lang="HI" style="font-size: 13.5pt;">करोड़
हो गया है।इसलिए रिटर्न के मामले में ईएलएसएस ने पीपीएफ से बेहतर प्रदर्शन किया है</span><span style="font-size: 13.5pt;">| </span><span style="font-size: 12pt;"><o:p></o:p></span></span></p><p class="MsoNormal" style="line-height: normal; mso-margin-bottom-alt: auto; mso-margin-top-alt: auto;"><span style="font-family: inherit;"><b><span style="font-size: 18pt;"> </span></b><b><span lang="HI" style="font-size: 18pt;">निवेश
राशि:</span></b><b><span style="font-size: 18pt;"> </span></b><span lang="HI" style="font-size: 13.5pt;">पीपीएफ
के मामले में</span><span style="font-size: 13.5pt;">, </span><span lang="HI" style="font-size: 13.5pt;">आप
एक वित्तीय वर्ष में केवल</span><span style="font-size: 13.5pt;"> 1.5 </span><span lang="HI" style="font-size: 13.5pt;">लाख
रुपये तक ही निवेश कर सकते हैं। हालांकि</span><span style="font-size: 13.5pt;">, </span><span lang="HI" style="font-size: 13.5pt;">ईएलएसएस
के मामले में ऐसा कोई प्रतिबंध नहीं है। जबकि कर लाभ</span><span style="font-size: 13.5pt;"> 1.5 </span><span lang="HI" style="font-size: 13.5pt;">लाख
रुपये पर लागू होगा</span><span style="font-size: 13.5pt;">, </span><span lang="HI" style="font-size: 13.5pt;">आप
अधिक निवेश कर सकते हैं और पूरी निवेश राशि पर रिटर्न अर्जित कर सकते हैं। नतीजतन</span><span style="font-size: 13.5pt;">, </span><span lang="HI" style="font-size: 13.5pt;">लंबी
अवधि के लक्ष्यों की योजना बनाने के लिए ईएलएसएस भी एक लोकप्रिय विकल्प है।</span><span style="font-size: 13.5pt;"> </span><span style="font-size: 12pt;"><o:p></o:p></span></span></p><p class="MsoNormal" style="line-height: normal; margin-bottom: 0cm; mso-margin-top-alt: auto;"><span style="font-family: inherit;"><b><span lang="HI" style="font-size: 18pt;">कराधान:</span></b><span style="font-size: 10pt;"> </span><span lang="HI" style="font-size: 13.5pt;">ईएलएसएस
फंड से होने वाले लाभ पर इक्विटी फंड के अनुसार कर लगाया जाता है और यह अल्पकालिक
और दीर्घकालिक पूंजीगत लाभ के अधीन होता है। यदि इकाइयां</span><span style="font-size: 13.5pt;"> 1 </span><span lang="HI" style="font-size: 13.5pt;">वर्ष
से पहले बेची जाती हैं तो अल्पकालिक पूंजीगत लाभ लागू होते हैं। इस परिदृश्य में</span><span style="font-size: 13.5pt;">, 15% </span><span lang="HI" style="font-size: 13.5pt;">का
कर लागू होगा। यदि इकाइयों को एक वर्ष से अधिक समय तक रखा जाता है</span><span style="font-size: 13.5pt;">, </span><span lang="HI" style="font-size: 13.5pt;">तो
एक वित्तीय वर्ष में</span><span style="font-size: 13.5pt;"> 1 </span><span lang="HI" style="font-size: 13.5pt;">लाख
रुपये तक के लाभ पर छूट दी जाती है। यदि लाभ</span><span style="font-size: 13.5pt;"> 10 </span><span lang="HI" style="font-size: 13.5pt;">लाख
रुपये से अधिक है</span><span style="font-size: 13.5pt;">, </span><span lang="HI" style="font-size: 13.5pt;">तो
ईएलएसएस फंडों पर दीर्घकालिक पूंजीगत लाभ लागू किया जाएगा।</span><span style="font-size: 12pt;"><o:p></o:p></span></span></p><p class="MsoNormal" style="line-height: normal; margin-bottom: 0cm; mso-margin-top-alt: auto;"><span style="font-family: inherit;"><span style="font-size: 13.5pt;"> </span><span lang="HI" style="font-size: 13.5pt;">दूसरी
ओर</span><span style="font-size: 13.5pt;">, </span><span lang="HI" style="font-size: 13.5pt;">पीपीएफ
ईईई (छूट</span><span style="font-size: 13.5pt;">, </span><span lang="HI" style="font-size: 13.5pt;">छूट</span><span style="font-size: 13.5pt;">, </span><span lang="HI" style="font-size: 13.5pt;">छूट)
श्रेणी के अंतर्गत आता है। इसका मतलब है कि पीपीएफ में निवेश से अर्जित ब्याज और
मूल राशि पर कराधान से छूट है।</span><span style="font-size: 12pt;"><o:p></o:p></span></span></p><p class="MsoNormal" style="line-height: normal; mso-margin-bottom-alt: auto; mso-margin-top-alt: auto;"><span style="font-family: inherit;"><span lang="HI" style="font-size: 24pt;">निष्कर्ष</span><span style="font-size: 24pt;"> </span><span style="font-size: 12pt;"><o:p></o:p></span></span></p><p class="MsoNormal" style="line-height: normal;"><span style="font-family: inherit;"><span lang="HI" style="font-size: 13.5pt;">अब तक आप पीपीएफ और ईएलएसएस के बीच के अंतर से
परिचित हो चुके होंगे। पीपीएफ भारतीय जनता का प्रिय है</span>, <span lang="HI" style="font-size: 13.5pt;">लेकिन इसका दीर्घकालिक प्रदर्शन आकर्षक नहीं है
जबकि ईएलएसएस फंडों ने आकर्षक रिटर्न दिया है। साथ ही</span>, <span lang="HI" style="font-size: 13.5pt;">ब्याज दर </span>8%<span lang="HI" style="font-size: 13.5pt;"> से
घटकर </span>7.9% (<span lang="HI" style="font-size: 13.5pt;">जुलाई-सितंबर </span>2019) <span lang="HI" style="font-size: 13.5pt;">होने के साथ</span>, <span lang="HI" style="font-size: 13.5pt;">यह
संभावना नहीं है कि पीपीएफ बेहतर रिटर्न देगा। </span><o:p></o:p></span></p><p class="MsoNormal" style="line-height: normal;"><span style="font-family: inherit;"><span lang="HI" style="font-size: 13.5pt;">ईएलएसएस न केवल एक कर बचत साधन है</span>; <span lang="HI" style="font-size: 13.5pt;">यह आपको सेवानिवृत्ति जैसे अपने दीर्घकालिक
वित्तीय लक्ष्यों को प्राप्त करने में भी मदद कर सकता है। ऐसा इसलिए है क्योंकि आप
</span>1.5<span lang="HI" style="font-size: 13.5pt;"> लाख रुपये से अधिक का निवेश कर सकते
हैं और फिर भी पूरे कोष पर रिटर्न अर्जित कर सकते हैं। </span><o:p></o:p></span></p><p class="MsoNormal" style="line-height: normal;"><span style="font-family: inherit;"><span lang="HI" style="font-size: 13.5pt;">अगर आपने अभी काम करना शुरू किया है या इक्विटी
मार्केट में कोई एक्सपोजर नहीं है</span>,
<span lang="HI" style="font-size: 13.5pt;">तो
आप ईएलएसएस फंड में निवेश कर सकते हैं। एक बार जब आप ईएलएसएस फंड के साथ सहज हो
जाते हैं</span>, <span lang="HI" style="font-size: 13.5pt;">तो आप अपने वित्तीय लक्ष्यों को
प्राप्त करने के लिए अन्य इक्विटी फंडों में निवेश करना शुरू कर सकते हैं।</span><o:p></o:p></span></p><p class="MsoNormal" style="line-height: normal;"><span style="font-family: inherit;"><span lang="HI" style="font-size: 13.5pt;">किसी भी प्रश्न के मामले में</span>, <span lang="HI" style="font-size: 13.5pt;">कृपया एक वित्तीय सलाहकार से संपर्क करें। वह
आपको सर्वश्रेष्ठ ईएलएसएस फंड के साथ मदद करने में सक्षम होगा।</span><o:p></o:p></span></p><p class="MsoNormal" style="line-height: normal;"><o:p><span style="font-family: inherit;"> </span></o:p><img border="0" data-original-height="131" data-original-width="162" height="300" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEiD5tEs9VlzLi7r8lN8kE4wLamTJYpqOqyX17cxpdPR6dsqDtGvYbgLs04yukcniaVyfZ0dDX-Ut1ulpVoJydmd-qlHtNs2hR8D4tGRkhqMXKUh9teSCzSu1PFakQNDpnfBquV59PsmydG8P6yO4lRn8E860vtOJu6kdPlxFEK1FeqmXaF8miL53J0_/w320-h300/image%20(1).png" style="text-align: center;" width="320" /></p><p class="MsoNormal" style="line-height: normal;"><span style="font-family: inherit;"><span lang="HI" style="font-size: 13.5pt;"> </span></span><b style="font-family: inherit;"><span style="background: rgb(248, 249, 250); font-size: 12pt;">AMFI Registered Mutual Fund Distributor </span></b></p><p class="MsoNormal" style="line-height: normal; margin-bottom: 0.0001pt;"><span style="font-family: inherit;"><b><span style="font-size: 12pt;"> </span></b><b><span lang="HI" style="font-size: 12pt;">6306522855</span></b><b><span style="font-size: 12pt;"> </span></b><span style="font-size: 12pt;"><o:p></o:p></span></span></p><p class="MsoNormal" style="line-height: normal; margin-bottom: 0.0001pt;"><span style="font-family: inherit;"><b><span style="font-size: 12pt;"> Burlington, Lucknow, </span></b><b><span lang="HI" style="font-size: 12pt;">226001</span></b><b><span style="font-size: 12pt;"> </span></b><span style="font-size: 12pt;"><o:p></o:p></span></span></p><p class="MsoNormal" style="line-height: normal; margin-bottom: 0.0001pt;"><span style="font-family: inherit;"><b><span style="font-size: 12pt;"> customercare@vsix.co.in || www.vsix.co.in</span></b><span style="font-size: 12pt;"><o:p></o:p></span></span></p><p class="MsoNormal" style="line-height: normal; margin-bottom: 0.0001pt;"><span style="font-family: inherit;"><b><span style="font-size: 10pt;"> </span></b><b><span style="font-size: 12pt;"> </span></b></span></p>
<p class="MsoNormal" style="line-height: normal;"><o:p> </o:p></p>
<p class="MsoNormal" style="line-height: normal;"><span lang="HI" style="font-family: "Mangal","serif"; font-size: 13.5pt; mso-ansi-font-size: 11.0pt; mso-ascii-font-family: Calibri; mso-ascii-theme-font: minor-latin; mso-hansi-font-family: Calibri; mso-hansi-theme-font: minor-latin;"> </span></p><p class="MsoNormal" style="line-height: normal;"><o:p> </o:p></p>
<p class="MsoNormal" style="line-height: normal;"><o:p> </o:p></p><p class="MsoNormal" style="line-height: normal;"><o:p><span style="font-family: inherit;"> </span></o:p><b style="font-family: inherit;"><span style="font-size: 10pt;"> </span></b></p><p class="MsoNormal" style="line-height: normal; margin-bottom: 0.0001pt;"><span style="font-family: inherit;"><b><span style="font-size: 12pt;"> </span></b><span style="font-size: 12pt;"><o:p></o:p></span></span></p><p class="MsoNormal" style="line-height: normal;"><span style="font-family: inherit;"><span style="font-size: 18pt;"> </span><span style="font-size: 12pt;"><o:p></o:p></span></span></p><p class="MsoNormal" style="line-height: normal;"><span style="font-size: 12pt;"> </span></p><p align="center" class="MsoNormal" style="line-height: normal; margin-bottom: 0.0001pt; text-align: center;"><span style="font-size: 12pt;"> </span></p><p class="MsoNormal" style="line-height: normal;"><span style="font-family: inherit;"><span style="font-size: 12pt;"> </span><span style="font-size: 12pt;"><o:p></o:p></span></span></p><p class="MsoNormal" style="line-height: normal;"><span style="font-size: 12pt;"> </span></p><p class="MsoNormal" style="line-height: normal;"><span style="font-family: inherit;"><span style="font-size: 13.5pt;"> </span><span style="font-size: 12pt;"><o:p></o:p></span></span></p><p class="MsoNormal" style="line-height: normal;"><span style="font-family: inherit;"><span style="font-size: 13.5pt;"> </span><span style="font-size: 12pt;"><o:p></o:p></span></span></p><p class="MsoNormal" style="line-height: normal; margin-bottom: 0.0001pt;"><span style="font-size: 12pt;"> </span></p><p class="MsoNormal" style="line-height: normal; margin-bottom: 0.0001pt;"><span style="font-size: 12pt;"> </span></p><p class="MsoNormal" style="line-height: normal; margin-bottom: 0.0001pt;"><span style="font-size: 12pt;"> </span></p><p class="MsoNormal" style="line-height: normal; margin-left: 1em; margin-right: 1em;"></p><p class="MsoNormal" style="line-height: normal;"><o:p> </o:p></p><p class="MsoNormal" style="line-height: normal;"><o:p><span style="font-family: inherit;"> </span></o:p></p><p class="MsoNormal" style="line-height: normal;"><o:p><span style="font-family: inherit;"> </span></o:p></p><p class="MsoNormal" style="line-height: normal; mso-margin-bottom-alt: auto; mso-margin-top-alt: auto;">
</p><p class="MsoNormal" style="line-height: normal;"><o:p><span style="font-family: inherit;"> </span></o:p></p><p class="MsoNormal" style="line-height: normal; mso-margin-bottom-alt: auto; mso-margin-top-alt: auto;"><span style="font-family: inherit;"><span style="color: #202124; font-size: 13.5pt;">
<!--[if !supportLineBreakNewLine]--><br />
<!--[endif]--></span><span style="font-size: 12pt;"><o:p></o:p></span></span></p><p class="MsoNormal" style="line-height: normal; mso-margin-bottom-alt: auto; mso-margin-top-alt: auto;"><span style="font-family: inherit;"><span style="font-size: 13.5pt;"> </span><span style="font-size: 12pt;">
</span><span style="font-size: 12pt;"><o:p></o:p></span></span></p><p class="MsoNormal" style="line-height: normal; margin-bottom: 0cm; mso-margin-top-alt: auto;"><span style="font-family: inherit;"><b><span style="font-size: 10pt;"> </span></b></span></p></div><p></p><p class="MsoNormal"><o:p></o:p></p>V6 ARTHGYAN LLPhttp://www.blogger.com/profile/18128509813979049058noreply@blogger.com0tag:blogger.com,1999:blog-4746449159280106368.post-53615648831842206352022-10-14T21:27:00.003-07:002022-10-14T21:31:45.052-07:00UNDERSTANDING RISKS<div style="text-align: left;"><span style="font-family: inherit; font-size: large;"><b> What<span style="letter-spacing: -0.5pt;"> </span>should<span style="letter-spacing: -0.5pt;"> </span>you<span style="letter-spacing: -0.5pt;"> </span>choose<span style="letter-spacing: -0.5pt;"> </span>to<span style="letter-spacing: -0.5pt;"> </span>save<span style="letter-spacing: -0.5pt;"> </span>tax?</b></span></div>
<p class="MsoBodyText"><span style="font-size: 10pt; mso-bidi-font-size: 11.0pt;"><span style="font-family: inherit;"> </span></span></p><div class="separator" style="clear: both; text-align: center;"><a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEi6BlvOwJE4pu5Eb4y88NBev3PBM_RhicJi7iXTF8potAQW7J4B5GTpbtZv7X_gHWwvEauUraXrO1tLHBrhT7_yzgkJlMDESdaySam3nwt4rMnYpaGlQAQkGs8hk6qKkfeQa_rFO9yb9pU-dR5kj-T4ZostywO-Mcr3KBYXABKergS7AVvpGC1gzAJ_/s671/9451.PNG" style="margin-left: 1em; margin-right: 1em;"><span style="font-family: inherit;"><img border="0" data-original-height="380" data-original-width="671" height="336" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEi6BlvOwJE4pu5Eb4y88NBev3PBM_RhicJi7iXTF8potAQW7J4B5GTpbtZv7X_gHWwvEauUraXrO1tLHBrhT7_yzgkJlMDESdaySam3nwt4rMnYpaGlQAQkGs8hk6qKkfeQa_rFO9yb9pU-dR5kj-T4ZostywO-Mcr3KBYXABKergS7AVvpGC1gzAJ_/w604-h336/9451.PNG" width="604" /></span></a></div><span style="font-family: inherit;"><br /></span><div class="separator" style="clear: both; text-align: center;"><span style="font-family: inherit;"><br /></span></div><span style="font-family: inherit;"><br /><span style="font-size: large;"><b>ELSS<span style="letter-spacing: 0.35pt;"> </span>vs<span style="letter-spacing: 0.35pt;"> </span>PPF:<span style="letter-spacing: 0.35pt;"> </span>Which<span style="letter-spacing: 0.35pt;"> </span>Tax<span style="letter-spacing: 0.4pt;"> </span>Saving<span style="letter-spacing: 0.35pt;"> </span>Instrument<span style="letter-spacing: 0.35pt;"> </span>Is<span style="letter-spacing: 0.35pt;"> </span>Better</b><b> </b> </span></span><p></p><p class="MsoBodyText"><i><span style="font-family: inherit; font-size: medium;"> “...but<span style="letter-spacing: 0.25pt;">
</span>in<span style="letter-spacing: 0.3pt;"> </span>this<span style="letter-spacing: 0.3pt;"> </span>world,<span style="letter-spacing: 0.3pt;"> </span>nothing<span style="letter-spacing: 0.25pt;"> </span>can<span style="letter-spacing: 0.3pt;"> </span>be<span style="letter-spacing: 0.3pt;"> </span>said<span style="letter-spacing: 0.3pt;"> </span>to<span style="letter-spacing: 0.25pt;"> </span>be<span style="letter-spacing: 0.3pt;"> </span>certain,<span style="letter-spacing: 0.3pt;"> </span>except<span style="letter-spacing: 0.3pt;"> </span>death<span style="letter-spacing: 0.3pt;"> </span>and<span style="letter-spacing: 0.25pt;"> </span>taxes.”</span></i></p><p class="MsoBodyText" style="margin-left: 5.25pt;"><span style="font-family: inherit; font-size: medium;">Benjamin Franklin</span></p>
<p class="MsoBodyText" style="margin-top: 0.45pt;"><span style="font-family: inherit; font-size: medium;"> <span style="text-align: justify;">While we can’t get clever with death, we can be smart with taxes and save
our hard-earned money.</span><span style="letter-spacing: 0.05pt; text-align: justify;"> </span><span style="text-align: justify;">One</span><span style="letter-spacing: 2.5pt; text-align: justify;"> </span><span style="text-align: justify;">can</span><span style="letter-spacing: 2.55pt; text-align: justify;"> </span><span style="text-align: justify;">save</span><span style="letter-spacing: 2.55pt; text-align: justify;"> </span><span style="text-align: justify;">tax</span><span style="letter-spacing: 2.55pt; text-align: justify;"> </span><span style="text-align: justify;">by</span><span style="letter-spacing: 2.55pt; text-align: justify;"> </span><span style="text-align: justify;">investing</span><span style="letter-spacing: 2.5pt; text-align: justify;"> </span><span style="text-align: justify;">in</span><span style="letter-spacing: 2.55pt; text-align: justify;"> </span><span style="text-align: justify;">various</span><span style="letter-spacing: 2.55pt; text-align: justify;"> </span><span style="text-align: justify;">instruments</span><span style="letter-spacing: 2.55pt; text-align: justify;"> </span><span style="text-align: justify;">such</span><span style="letter-spacing: 2.55pt; text-align: justify;"> </span><span style="text-align: justify;">as</span><span style="letter-spacing: 2.5pt; text-align: justify;"> </span><span style="text-align: justify;">Equity</span><span style="letter-spacing: 2.55pt; text-align: justify;">
</span><span style="text-align: justify;">Linked</span><span style="letter-spacing: 2.55pt; text-align: justify;"> </span><span style="text-align: justify;">Savings</span><span style="letter-spacing: 2.55pt; text-align: justify;"> </span><span style="text-align: justify;">Scheme</span><span style="letter-spacing: -2.6pt; text-align: justify;">
</span><span style="text-align: justify;">(ELSS),</span><span style="letter-spacing: 0.05pt; text-align: justify;"> </span><span style="text-align: justify;">Public</span><span style="letter-spacing: 0.05pt; text-align: justify;"> </span><span style="text-align: justify;">Provident</span><span style="letter-spacing: 0.05pt; text-align: justify;">
</span><span style="text-align: justify;">Fund(PPF)</span><span style="letter-spacing: 0.05pt; text-align: justify;">, </span><span style="text-align: justify;">and</span><span style="letter-spacing: 0.05pt; text-align: justify;"> </span><span style="text-align: justify;">National</span><span style="letter-spacing: 0.05pt; text-align: justify;">
</span><span style="text-align: justify;">Pension</span><span style="letter-spacing: 0.05pt; text-align: justify;"> </span><span style="text-align: justify;">System(NPS)</span><span style="letter-spacing: 0.05pt; text-align: justify;"> </span><span style="text-align: justify;">and</span><span style="letter-spacing: 0.05pt; text-align: justify;"> </span><span style="text-align: justify;">tax</span><span style="letter-spacing: 0.05pt; text-align: justify;"> </span><span style="text-align: justify;">saving</span><span style="letter-spacing: 2.7pt; text-align: justify;"> </span><span style="text-align: justify;">fixed</span><span style="letter-spacing: 0.05pt; text-align: justify;"> </span><span style="text-align: justify;">deposits</span><span style="letter-spacing: 0.05pt; text-align: justify;">, </span><span style="text-align: justify;">etc.</span><i> </i></span></p><p class="MsoBodyText" style="margin-top: 0.45pt;"><span style="font-family: inherit; font-size: medium;"><span style="text-align: justify;">Out</span><span style="letter-spacing: 1.25pt; text-align: justify;"> </span><span style="text-align: justify;">of</span><span style="letter-spacing: 1.25pt; text-align: justify;"> </span><span style="text-align: justify;">these</span><span style="letter-spacing: 1.3pt; text-align: justify;"> </span><span style="text-align: justify;">tax-saving</span><span style="letter-spacing: 1.25pt; text-align: justify;"> </span><span style="text-align: justify;">options,</span><span style="letter-spacing: 1.3pt; text-align: justify;"> </span><span style="text-align: justify;">ELSS</span><span style="letter-spacing: 1.25pt; text-align: justify;"> </span><span style="text-align: justify;">and</span><span style="letter-spacing: 1.25pt; text-align: justify;"> </span><span style="text-align: justify;">PPF</span><span style="letter-spacing: 1.3pt; text-align: justify;"> </span><span style="text-align: justify;">are</span><span style="letter-spacing: 1.25pt; text-align: justify;"> </span><span style="text-align: justify;">the</span><span style="letter-spacing: 1.25pt; text-align: justify;"> </span><span style="text-align: justify;">most</span><span style="letter-spacing: 1.3pt; text-align: justify;"> </span><span style="text-align: justify;">popular.</span><span style="letter-spacing: 1.25pt; text-align: justify;"> </span><span style="text-align: justify;">Investments</span><span style="letter-spacing: 1.25pt; text-align: justify;"> </span><span style="text-align: justify;">of</span><span style="letter-spacing: 1.3pt; text-align: justify;"> </span><span style="text-align: justify;">up</span><span style="letter-spacing: 1.25pt; text-align: justify;"> </span><span style="text-align: justify;">to</span><span style="letter-spacing: 1.25pt; text-align: justify;"> </span><span style="text-align: justify;">Rs.1.5</span><span style="letter-spacing: -2.6pt; text-align: justify;"> </span><span style="text-align: justify;">lakh in a financial year in these two
options among others qualify for tax deductions under Section</span><span style="letter-spacing: 0.05pt; text-align: justify;"> </span><span style="text-align: justify;">80C</span><span style="letter-spacing: 0.05pt; text-align: justify;"> </span><span style="text-align: justify;">of</span><span style="letter-spacing: 0.05pt; text-align: justify;"> the </span><span style="text-align: justify;">Income</span><span style="letter-spacing: 0.1pt; text-align: justify;"> </span><span style="text-align: justify;">Tax</span><span style="letter-spacing: 0.05pt; text-align: justify;"> </span><span style="text-align: justify;">Act</span><span style="letter-spacing: 0.05pt; text-align: justify;"> </span><span style="text-align: justify;">1961.</span><i> </i></span></p><p class="MsoBodyText" style="margin-top: 0.45pt;"><span style="font-family: inherit; font-size: medium;"><span style="text-align: justify;">Have</span><span style="letter-spacing: 0.05pt; text-align: justify;"> </span><span style="text-align: justify;">you</span><span style="letter-spacing: 0.05pt; text-align: justify;"> </span><span style="text-align: justify;">invested</span><span style="letter-spacing: 0.05pt; text-align: justify;"> </span><span style="text-align: justify;">in</span><span style="letter-spacing: 0.05pt; text-align: justify;"> </span><span style="text-align: justify;">PPF</span><span style="letter-spacing: 0.05pt; text-align: justify;"> </span><span style="text-align: justify;">or</span><span style="letter-spacing: 0.05pt; text-align: justify;"> </span><span style="text-align: justify;">ELSS?</span><span style="letter-spacing: 0.05pt; text-align: justify;"> </span><span style="text-align: justify;">In</span><span style="letter-spacing: 0.05pt; text-align: justify;"> </span><span style="text-align: justify;">this</span><span style="letter-spacing: 0.05pt; text-align: justify;"> </span><span style="text-align: justify;">article,</span><span style="letter-spacing: 0.05pt; text-align: justify;"> </span><span style="text-align: justify;">we</span><span style="letter-spacing: 0.05pt; text-align: justify;"> </span><span style="text-align: justify;">will</span><span style="letter-spacing: 0.05pt; text-align: justify;"> </span><span style="text-align: justify;">compare</span><span style="letter-spacing: 0.05pt; text-align: justify;">
</span><span style="text-align: justify;">these</span><span style="letter-spacing: 0.05pt; text-align: justify;"> </span><span style="text-align: justify;">two</span><span style="letter-spacing: 2.7pt; text-align: justify;"> </span><span style="text-align: justify;">tax-saving</span><span style="letter-spacing: 0.05pt; text-align: justify;"> </span><span style="text-align: justify;">instruments</span><span style="letter-spacing: 0.05pt; text-align: justify;"> </span><span style="text-align: justify;">which</span><span style="letter-spacing: 0.05pt; text-align: justify;"> </span><span style="text-align: justify;">will</span><span style="letter-spacing: 0.05pt; text-align: justify;"> </span><span style="text-align: justify;">help</span><span style="letter-spacing: 0.1pt; text-align: justify;"> </span><span style="text-align: justify;">you</span><span style="letter-spacing: 0.05pt; text-align: justify;"> </span><span style="text-align: justify;">to</span><span style="letter-spacing: 0.05pt; text-align: justify;"> </span><span style="text-align: justify;">figure</span><span style="letter-spacing: 0.05pt; text-align: justify;"> </span><span style="text-align: justify;">out</span><span style="letter-spacing: 0.1pt; text-align: justify;"> </span><span style="text-align: justify;">the</span><span style="letter-spacing: 0.05pt; text-align: justify;"> </span><span style="text-align: justify;">right</span><span style="letter-spacing: 0.05pt; text-align: justify;"> </span><span style="text-align: justify;">one</span><span style="letter-spacing: 0.05pt; text-align: justify;"> </span><span style="text-align: justify;">for</span><span style="letter-spacing: 0.1pt; text-align: justify;"> </span><span style="text-align: justify;">you.</span></span></p><p class="MsoBodyText" style="margin-top: 0.45pt;"><span style="font-family: "Roboto Lt";"><b><span style="font-size: large;">Lock-in Period:</span></b><span style="font-size: 11pt;"> </span></span><span style="font-family: inherit; font-size: medium;">Both ELSS and PPF come with a lock-in period. ELSS
funds have a lock-in period of<span style="letter-spacing: 0.05pt;"> </span>three
years while PPF comes with a 15-year lock-in period. However, in PPF, you can
make partial<span style="letter-spacing: 0.05pt;"> </span>withdrawals after the
seventh year. Hence, we see that ELSS has a shorter lock-in period than PPF.<span style="letter-spacing: 0.05pt;"> </span>This means that you can redeem the ELSS
fund’s units after three years. However, it is suggested<span style="letter-spacing: 0.05pt;"> </span>that<span style="letter-spacing: 0.1pt;"> </span>you<span style="letter-spacing: 0.1pt;"> </span>do<span style="letter-spacing: 0.1pt;"> </span>not<span style="letter-spacing: 0.1pt;"> </span>redeem<span style="letter-spacing: 0.1pt;"> </span>it,<span style="letter-spacing: 0.1pt;"> </span>as<span style="letter-spacing: 0.1pt;"> </span>by<span style="letter-spacing: 0.1pt;"> </span>being<span style="letter-spacing: 0.15pt;"> </span>invested<span style="letter-spacing: 0.1pt;"> </span>your<span style="letter-spacing: 0.1pt;"> </span>capital<span style="letter-spacing: 0.1pt;"> </span>will<span style="letter-spacing: 0.1pt;"> </span>appreciate<span style="letter-spacing: 0.1pt;"> </span>over<span style="letter-spacing: 0.1pt;"> </span>time.</span></p><p class="MsoBodyText" style="margin-top: 0.45pt;"><span style="font-family: inherit;"><b><span style="text-align: justify;"><span style="font-size: large;">Returns:</span><span style="font-size: medium;"> </span></span></b></span><span style="font-size: medium;"><span style="text-align: justify;">Returns are one of the key factors that distinguish PPF and ELSS.
The government of</span><span style="letter-spacing: 0.05pt; text-align: justify;"> </span><span style="text-align: justify;">India fixes the
interest rate of PPF every quarter. On the other hand, the returns in ELSS are not</span><span style="letter-spacing: 0.05pt; text-align: justify;"> </span><span style="text-align: justify;">assured and are linked to the
equity market. If we see the historical performance of both the two returns</span><span style="letter-spacing: 0.05pt; text-align: justify;"> </span><span style="text-align: justify;">options,</span><span style="letter-spacing: 1.1pt; text-align: justify;">
</span><span style="text-align: justify;">ELSS</span><span style="letter-spacing: 1.1pt; text-align: justify;"> </span><span style="text-align: justify;">funds,</span><span style="letter-spacing: 1.1pt; text-align: justify;"> </span><span style="text-align: justify;">in</span><span style="letter-spacing: 1.15pt; text-align: justify;"> </span><span style="text-align: justify;">the</span><span style="letter-spacing: 1.1pt; text-align: justify;"> </span><span style="text-align: justify;">last</span><span style="letter-spacing: 1.1pt; text-align: justify;"> </span><span style="text-align: justify;">ten</span><span style="letter-spacing: 1.15pt; text-align: justify;"> </span><span style="text-align: justify;">years</span><span style="letter-spacing: 1.1pt; text-align: justify;"> </span><span style="text-align: justify;">have</span><span style="letter-spacing: 1.1pt; text-align: justify;"> </span><span style="text-align: justify;">given</span><span style="letter-spacing: 1.1pt; text-align: justify;"> </span><span style="text-align: justify;">returns</span><span style="letter-spacing: 1.15pt; text-align: justify;"> </span><span style="text-align: justify;">of</span><span style="letter-spacing: 1.1pt; text-align: justify;"> </span><span style="text-align: justify;">13.55%*</span><span style="letter-spacing: 1.1pt; text-align: justify;"> </span><span style="text-align: justify;">while</span><span style="letter-spacing: 1.15pt; text-align: justify;"> </span><span style="text-align: justify;">the</span><span style="letter-spacing: 1.1pt; text-align: justify;"> </span><span style="text-align: justify;">interest</span><span style="letter-spacing: 1.1pt; text-align: justify;">
</span><span style="text-align: justify;">rates</span><span style="letter-spacing: 1.1pt; text-align: justify;"> </span><span style="text-align: justify;">in</span><span style="letter-spacing: -2.6pt; text-align: justify;"> </span><span style="text-align: justify;">PPF</span><span style="letter-spacing: 0.05pt; text-align: justify;"> </span><span style="text-align: justify;">have</span><span style="letter-spacing: 0.05pt; text-align: justify;"> </span><span style="text-align: justify;">ranged</span><span style="letter-spacing: 0.1pt; text-align: justify;"> </span><span style="text-align: justify;">from</span><span style="letter-spacing: 0.05pt; text-align: justify;"> </span><span style="text-align: justify;">7.6%</span><span style="letter-spacing: 0.05pt; text-align: justify;"> </span><span style="text-align: justify;">to</span><span style="letter-spacing: 0.1pt; text-align: justify;"> </span><span style="text-align: justify;">8.8%.</span></span></p><p class="MsoBodyText" style="line-height: 141%; margin-bottom: 0cm; margin-left: 5.25pt; margin-right: 5.55pt; margin-top: 4.45pt; margin: 4.45pt 5.55pt 0cm 5.25pt; text-align: justify;"><!--[if gte vml 1]><v:line id="_x0000_s1026" style='position:absolute;
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<p class="MsoBodyText" style="margin-top: 0.45pt;"><span style="font-family: inherit; font-size: medium;"><b><a href="https://www.valueresearchonline.com/story/h2_storyview.asp?str=26860&utm_source=2019-07-09-insight&utm_content=Tue-1200&utm_medium=email&utm_campaign=insight"><span color="windowtext" style="text-decoration-line: none;">1200&utm_medium=email&utm_campaign=insight)<span style="letter-spacing: 0.05pt;"> </span>by<span style="letter-spacing: 0.05pt;"> </span>Value<span style="letter-spacing: 0.05pt;"> </span>Research,<span style="letter-spacing: 0.05pt;">
</span>an<span style="letter-spacing: 0.05pt;"> </span>investment<span style="letter-spacing: 0.05pt;"> </span>of<span style="letter-spacing: 2.7pt;"> </span>Rs.1.5</span></a><span style="letter-spacing: 0.05pt;"> </span></b>lakh every year over the last 20 years,
has grown to Rs.79.39 lakh in PPF. While in the same time<span style="letter-spacing: 0.05pt;"> </span>frame, investment in ELSS has increased to
2.28 crore.<span style="letter-spacing: 0.05pt;"> </span>Hence, in terms of
returns, ELSS has<span style="letter-spacing: 0.05pt;"> </span>outperformed<span style="letter-spacing: 0.05pt;"> </span>PPF.<i> </i></span></p><p class="MsoBodyText" style="line-height: 141%; margin-bottom: 0cm; margin-left: 5.25pt; margin-right: 5.5pt; margin-top: 7.55pt; margin: 7.55pt 5.5pt 0cm 5.25pt; text-align: justify;"><!--[if gte vml 1]><v:shapetype id="_x0000_t75" coordsize="21600,21600"
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</v:shape><![endif]--><!--[if !vml]--><span style="height: 11px; left: 0px; margin-left: 70px; margin-top: 13px; mso-ignore: vglayout; position: absolute; width: 136px; z-index: -1;"><span style="font-family: inherit;"><img height="11" src="file:///C:/Users/V6PC2/AppData/Local/Temp/msohtmlclip1/01/clip_image002.gif" v:shapes="image5.png" width="136" /></span></span><!--[endif]--></p><p class="MsoBodyText" style="margin-top: 0.45pt;"><span style="font-family: inherit;"><b><span style="text-align: justify;"><span style="font-size: large;">Investment amount</span></span></b><span style="text-align: justify;"><span style="font-size: large;"><b>:</b> </span><span style="font-size: medium;">In</span></span><span style="font-size: medium;"><span style="letter-spacing: 0.05pt; text-align: justify;"> the </span><span style="text-align: justify;">case</span><span style="letter-spacing: 0.05pt; text-align: justify;"> </span><span style="text-align: justify;">of</span><span style="letter-spacing: 0.05pt; text-align: justify;"> </span><span style="text-align: justify;">PPF,</span><span style="letter-spacing: 0.05pt; text-align: justify;"> </span><span style="text-align: justify;">you</span><span style="letter-spacing: 0.05pt; text-align: justify;"> </span><span style="text-align: justify;">can</span><span style="letter-spacing: 0.05pt; text-align: justify;"> </span><span style="text-align: justify;">only</span><span style="letter-spacing: 0.05pt; text-align: justify;"> </span><span style="text-align: justify;">invest</span><span style="letter-spacing: 0.05pt; text-align: justify;"> </span><span style="text-align: justify;">up</span><span style="letter-spacing: 0.05pt; text-align: justify;"> </span><span style="text-align: justify;">to</span><span style="letter-spacing: 0.05pt; text-align: justify;"> </span><span style="text-align: justify;">Rs.1.5</span><span style="letter-spacing: 0.05pt; text-align: justify;"> </span><span style="text-align: justify;">lakh</span><span style="letter-spacing: 0.05pt; text-align: justify;"> </span><span style="text-align: justify;">in</span><span style="letter-spacing: 0.05pt; text-align: justify;"> </span><span style="text-align: justify;">a</span><span style="letter-spacing: 0.05pt; text-align: justify;"> </span><span style="text-align: justify;">financial</span><span style="letter-spacing: 0.05pt; text-align: justify;"> </span><span style="text-align: justify;">year.</span><span style="letter-spacing: 0.05pt; text-align: justify;"> </span><span style="text-align: justify;">However,
there is no such restriction in the case of ELSS. While the tax benefit will
apply to Rs.1.5</span><span style="letter-spacing: 0.05pt; text-align: justify;"> </span><span style="text-align: justify;">lakh, you can invest
more and earn returns on the entire investment amount. As a result, ELSS is</span><span style="letter-spacing: 0.05pt; text-align: justify;"> </span><span style="text-align: justify;">also</span><span style="letter-spacing: 0.05pt; text-align: justify;"> </span><span style="text-align: justify;">a</span><span style="letter-spacing: 0.05pt; text-align: justify;"> </span><span style="text-align: justify;">popular</span><span style="letter-spacing: 0.1pt; text-align: justify;"> </span><span style="text-align: justify;">option</span><span style="letter-spacing: 0.05pt; text-align: justify;"> </span><span style="text-align: justify;">to</span><span style="letter-spacing: 0.1pt; text-align: justify;"> </span><span style="text-align: justify;">plan</span><span style="letter-spacing: 0.05pt; text-align: justify;"> </span><span style="text-align: justify;">for</span><span style="letter-spacing: 0.1pt; text-align: justify;"> </span><span style="text-align: justify;">long-term</span><span style="letter-spacing: 0.05pt; text-align: justify;"> </span><span style="text-align: justify;">goals.</span><i> </i></span></span></p><p class="MsoBodyText" style="margin-top: 0.45pt;"><span style="font-family: inherit;"><b><span style="font-size: large;">Taxation:</span><span style="font-size: medium;"> </span></b><span style="font-size: medium;"><span style="text-align: justify; text-indent: 48.8pt;">Gains
from ELSS funds are taxed as per the equity funds and are subject to short-term and</span><span style="letter-spacing: 0.05pt; text-align: justify; text-indent: 48.8pt;"> </span><span style="text-align: justify; text-indent: 48.8pt;">long-term capital gains. Short-term capital gains are applicable if the units are sold before the 1</span><span style="position: relative; text-align: justify; text-indent: 48.8pt; top: -4.5pt;">st<span style="letter-spacing: 0.05pt;"> </span></span><span style="text-align: justify; text-indent: 48.8pt;">year.</span><span style="letter-spacing: 1.5pt; text-align: justify; text-indent: 48.8pt;"> </span><span style="text-align: justify; text-indent: 48.8pt;">In</span><span style="letter-spacing: 1.55pt; text-align: justify; text-indent: 48.8pt;"> </span><span style="text-align: justify; text-indent: 48.8pt;">this</span><span style="letter-spacing: 1.55pt; text-align: justify; text-indent: 48.8pt;"> </span><span style="text-align: justify; text-indent: 48.8pt;">scenario,</span><span style="letter-spacing: 1.55pt; text-align: justify; text-indent: 48.8pt;"> </span><span style="text-align: justify; text-indent: 48.8pt;">a</span><span style="letter-spacing: 1.55pt; text-align: justify; text-indent: 48.8pt;"> </span><span style="text-align: justify; text-indent: 48.8pt;">tax</span><span style="letter-spacing: 1.55pt; text-align: justify; text-indent: 48.8pt;"> </span><span style="text-align: justify; text-indent: 48.8pt;">of</span><span style="letter-spacing: 1.55pt; text-align: justify; text-indent: 48.8pt;"> </span><span style="text-align: justify; text-indent: 48.8pt;">15%</span><span style="letter-spacing: 1.55pt; text-align: justify; text-indent: 48.8pt;"> </span><span style="text-align: justify; text-indent: 48.8pt;">will</span><span style="letter-spacing: 1.55pt; text-align: justify; text-indent: 48.8pt;"> </span><span style="text-align: justify; text-indent: 48.8pt;">be</span><span style="letter-spacing: 1.55pt; text-align: justify; text-indent: 48.8pt;"> </span><span style="text-align: justify; text-indent: 48.8pt;">applicable.</span><span style="letter-spacing: 1.5pt; text-align: justify; text-indent: 48.8pt;"> </span><span style="text-align: justify; text-indent: 48.8pt;">If</span><span style="letter-spacing: 1.55pt; text-align: justify; text-indent: 48.8pt;"> </span><span style="text-align: justify; text-indent: 48.8pt;">the</span><span style="letter-spacing: 1.55pt; text-align: justify; text-indent: 48.8pt;"> </span><span style="text-align: justify; text-indent: 48.8pt;">units</span><span style="letter-spacing: 1.55pt; text-align: justify; text-indent: 48.8pt;">
</span><span style="text-align: justify; text-indent: 48.8pt;">are</span><span style="letter-spacing: 1.55pt; text-align: justify; text-indent: 48.8pt;"> </span><span style="text-align: justify; text-indent: 48.8pt;">held</span><span style="letter-spacing: 1.55pt; text-align: justify; text-indent: 48.8pt;"> </span><span style="text-align: justify; text-indent: 48.8pt;">for</span><span style="letter-spacing: 1.55pt; text-align: justify; text-indent: 48.8pt;"> </span><span style="text-align: justify; text-indent: 48.8pt;">more</span><span style="letter-spacing: 1.55pt; text-align: justify; text-indent: 48.8pt;"> </span><span style="text-align: justify; text-indent: 48.8pt;">than</span><span style="letter-spacing: 1.55pt; text-align: justify; text-indent: 48.8pt;"> </span><span style="text-align: justify; text-indent: 48.8pt;">a</span><span style="letter-spacing: 1.55pt; text-align: justify; text-indent: 48.8pt;"> </span><span style="text-align: justify; text-indent: 48.8pt;">year,</span><span style="letter-spacing: -2.65pt; text-align: justify; text-indent: 48.8pt;">
</span><span style="text-align: justify; text-indent: 48.8pt;">gains up to Rs.1 lakh in a financial year are exempted. If the gains are
higher than Rs.10 lakh, long-term</span><span style="letter-spacing: 0.05pt; text-align: justify; text-indent: 48.8pt;"> </span><span style="text-align: justify; text-indent: 48.8pt;">capital</span><span style="letter-spacing: 0.05pt; text-align: justify; text-indent: 48.8pt;">
</span><span style="text-align: justify; text-indent: 48.8pt;">gains</span><span style="letter-spacing: 0.1pt; text-align: justify; text-indent: 48.8pt;"> </span><span style="text-align: justify; text-indent: 48.8pt;">will</span><span style="letter-spacing: 0.05pt; text-align: justify; text-indent: 48.8pt;"> </span><span style="text-align: justify; text-indent: 48.8pt;">be</span><span style="letter-spacing: 0.05pt; text-align: justify; text-indent: 48.8pt;"> </span><span style="text-align: justify; text-indent: 48.8pt;">applied</span><span style="letter-spacing: 0.1pt; text-align: justify; text-indent: 48.8pt;"> </span><span style="text-align: justify; text-indent: 48.8pt;">to</span><span style="letter-spacing: 0.05pt; text-align: justify; text-indent: 48.8pt;"> </span><span style="text-align: justify; text-indent: 48.8pt;">ELSS</span><span style="letter-spacing: 0.1pt; text-align: justify; text-indent: 48.8pt;"> </span><span style="text-align: justify; text-indent: 48.8pt;">funds.</span></span></span></p><p class="MsoBodyText" style="margin-top: 0.45pt;"><span style="font-family: inherit; font-size: medium;">On<span style="letter-spacing: 1.65pt;"> </span>the<span style="letter-spacing: 1.65pt;"> </span>other<span style="letter-spacing: 1.65pt;"> </span>hand,<span style="letter-spacing: 1.65pt;">
</span>PPF<span style="letter-spacing: 1.65pt;"> </span>falls<span style="letter-spacing: 1.65pt;"> </span>under<span style="letter-spacing: 1.65pt;">
</span>the<span style="letter-spacing: 1.65pt;"> </span>EEE(Exempt,<span style="letter-spacing: 1.65pt;"> </span>Exempt,<span style="letter-spacing: 1.65pt;">
</span>Exempt)<span style="letter-spacing: 1.65pt;"> </span>category.<span style="letter-spacing: 1.65pt;"> </span>This<span style="letter-spacing: 1.65pt;"> </span>means<span style="letter-spacing: 1.65pt;"> </span>that<span style="letter-spacing: -2.6pt;"> </span>the<span style="letter-spacing: 0.15pt;"> </span>interest<span style="letter-spacing: 0.15pt;">
</span>earned<span style="letter-spacing: 0.15pt;"> </span>by<span style="letter-spacing: 0.2pt;"> </span>investing<span style="letter-spacing: 0.15pt;">
</span>in<span style="letter-spacing: 0.15pt;"> </span>PPF<span style="letter-spacing: 0.2pt;"> </span>and<span style="letter-spacing: 0.15pt;"> </span>the<span style="letter-spacing: 0.15pt;"> </span>principal<span style="letter-spacing: 0.2pt;">
</span>amount<span style="letter-spacing: 0.15pt;"> </span>is<span style="letter-spacing: 0.15pt;"> </span>exempted<span style="letter-spacing: 0.15pt;">
</span>from<span style="letter-spacing: 0.2pt;"> </span>taxation.</span></p><p class="MsoNormal"><o:p><b><span style="font-family: inherit; font-size: x-large;"> Conclusion</span></b></o:p></p><p class="MsoBodyText" style="line-height: 141%; margin-bottom: 0cm; margin-left: 5.25pt; margin-right: 5.1pt; margin-top: 5.0pt; margin: 5pt 5.1pt 0cm 5.25pt; text-align: justify;"><span style="font-family: inherit; font-size: medium;">By now, you may have become familiar with the differences between PPF and
ELSS. PPF is the<span style="letter-spacing: 0.05pt;"> </span>darling of the Indian
masses, but its long-term performance is not attractive while ELSS funds have<span style="letter-spacing: 0.05pt;"> </span>given attractive returns. Also, with the
interest rate trending down from 8% to 7.9% (July-Sep 2019),<span style="letter-spacing: 0.05pt;"> </span>it<span style="letter-spacing: 0.05pt;"> </span>is<span style="letter-spacing: 0.05pt;"> </span>unlikely<span style="letter-spacing: 0.05pt;">
</span>that<span style="letter-spacing: 0.05pt;"> </span>PPF<span style="letter-spacing: 0.05pt;"> </span>will<span style="letter-spacing: 0.05pt;"> </span>give<span style="letter-spacing: 0.05pt;"> </span>a<span style="letter-spacing: 0.05pt;"> </span>better<span style="letter-spacing: 0.05pt;"> </span>return.</span></p><p class="MsoBodyText" style="line-height: 141%; margin-bottom: 0cm; margin-left: 5.25pt; margin-right: 5.15pt; margin-top: 7.55pt; margin: 7.55pt 5.15pt 0cm 5.25pt; text-align: justify;"><span style="font-family: inherit; font-size: medium;">ELSS is not only a tax saving instrument; it can also help you to achieve
your long-term financial<span style="letter-spacing: 0.05pt;"> </span>goals such
as retirement. It is because you can invest over and above the Rs.1.5 lakh mark
and still<span style="letter-spacing: 0.05pt;"> </span>earn<span style="letter-spacing: 0.05pt;"> </span>returns<span style="letter-spacing: 0.05pt;"> </span>on<span style="letter-spacing: 0.05pt;"> </span>the<span style="letter-spacing: 0.05pt;"> </span>entire<span style="letter-spacing: 0.05pt;"> </span>corpus.</span></p><p class="MsoBodyText" style="line-height: 141%; margin-bottom: 0cm; margin-left: 5.25pt; margin-right: 5.5pt; margin-top: 7.55pt; margin: 7.55pt 5.5pt 0cm 5.25pt; text-align: justify;"><span style="font-family: inherit; font-size: medium;">If you have just started working or have no exposure to the equity
market, you can invest in ELSS<span style="letter-spacing: 0.05pt;"> </span>funds.
Once you are comfortable with ELSS funds, you can start investing in other
equity funds to<span style="letter-spacing: 0.05pt;"> </span>achieve<span style="letter-spacing: 0.05pt;"> </span>your<span style="letter-spacing: 0.05pt;"> </span>financial<span style="letter-spacing: 0.05pt;"> </span>goals.</span></p><p class="MsoBodyText" style="line-height: 141%; margin-bottom: 0cm; margin-left: 5.25pt; margin-right: 5.5pt; margin-top: 7.55pt; margin: 7.55pt 5.5pt 0cm 5.25pt; text-align: justify;"><span style="font-family: inherit; font-size: medium;"><br /></span></p><p class="MsoBodyText" style="line-height: 141%; margin-bottom: 0cm; margin-left: 5.25pt; margin-right: 5.55pt; margin-top: 7.5pt; margin: 7.5pt 5.55pt 0cm 5.25pt; text-align: justify;"><span style="font-size: medium;">In<span style="letter-spacing: 1.05pt;"> </span>case<span style="letter-spacing: 1.05pt;"> </span>of<span style="letter-spacing: 1.05pt;"> </span>any<span style="letter-spacing: 1.05pt;"> </span>queries,<span style="letter-spacing: 1.05pt;">
</span>please<span style="letter-spacing: 1.05pt;"> </span>get<span style="letter-spacing: 1.05pt;"> </span>in<span style="letter-spacing: 1.05pt;"> </span>touch<span style="letter-spacing: 1.05pt;"> </span>with<span style="letter-spacing: 1.05pt;"> </span>a<span style="letter-spacing: 1.05pt;"> </span>financial<span style="letter-spacing: 1.05pt;"> </span>advisor.<span style="letter-spacing: 1.05pt;"> </span>He<span style="letter-spacing: 1.05pt;"> </span>or<span style="letter-spacing: 1.05pt;"> </span>she<span style="letter-spacing: 1.05pt;"> </span>will<span style="letter-spacing: 1.05pt;"> </span>be<span style="letter-spacing: 1.05pt;"> </span>able<span style="letter-spacing: 1.05pt;"> </span>to<span style="letter-spacing: 1.05pt;"> </span>help<span style="letter-spacing: -2.6pt;"> </span>you<span style="letter-spacing: 0.05pt;"> </span>out<span style="letter-spacing: 0.05pt;"> </span>with<span style="letter-spacing: 0.05pt;"> </span>the<span style="letter-spacing: 0.05pt;"> </span>best<span style="letter-spacing: 0.05pt;"> </span>ELSS<span style="letter-spacing: 0.05pt;"> </span>funds.</span></p><div class="separator" style="clear: both; text-align: center;"><span color="windowtext" style="font-family: inherit; margin-left: 1em; margin-right: 1em; mso-bidi-font-family: Mangal;"> <img border="0" data-original-height="131" data-original-width="162" height="231" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEiD5tEs9VlzLi7r8lN8kE4wLamTJYpqOqyX17cxpdPR6dsqDtGvYbgLs04yukcniaVyfZ0dDX-Ut1ulpVoJydmd-qlHtNs2hR8D4tGRkhqMXKUh9teSCzSu1PFakQNDpnfBquV59PsmydG8P6yO4lRn8E860vtOJu6kdPlxFEK1FeqmXaF8miL53J0_/w283-h231/image%20(1).png" width="283" /></span></div><p class="Default"></p><p class="MsoNormal" style="line-height: normal; margin-bottom: 0cm; mso-layout-grid-align: none; text-autospace: none;"><span style="font-family: inherit;"><b style="text-align: center;"><span style="font-size: 10pt;"><span lang="HI"> </span></span></b><span style="background-color: #f8f9fa; text-align: center;"><b>AMFI Registered Mutual Fund Distributor </b></span></span></p><p class="MsoNormal" style="line-height: normal; margin-bottom: 0cm; mso-layout-grid-align: none; text-autospace: none;"><span style="font-family: inherit;"><b style="text-align: center;"><span lang="HI"> 6306522855</span></b><b style="text-align: center;"> </b></span></p><p class="MsoNormal" style="line-height: normal; margin-bottom: 0cm; mso-layout-grid-align: none; text-autospace: none;"><span style="font-family: inherit;"><b style="text-align: center;"><span><span style="vertical-align: inherit;"><span style="vertical-align: inherit;"><span style="vertical-align: inherit;"><span style="vertical-align: inherit;"> Burlington, Lucknow, </span></span></span></span></span><span lang="HI"><span style="vertical-align: inherit;"><span style="vertical-align: inherit;"><span style="vertical-align: inherit;"><span style="vertical-align: inherit;">226001 </span></span></span></span></span></b><b style="text-align: center;"> </b></span></p><p class="MsoNormal" style="line-height: normal; margin-bottom: 0cm; mso-layout-grid-align: none; text-autospace: none;"><b style="text-align: center;"><span style="font-family: inherit;"> customercare@vsix.co.in || www.vsix.co.in</span></b></p><p class="MsoNormal" style="line-height: normal; margin-bottom: 0cm; mso-layout-grid-align: none; text-autospace: none;"><b style="text-align: center;"><span style="font-family: inherit;"><span lang="HI" style="font-size: 10pt;"> </span><span lang="HI"> </span></span></b></p><p class="MsoNormal" style="line-height: normal; margin-bottom: 0cm; mso-layout-grid-align: none; text-autospace: none;"><b style="text-align: center;"><span><span style="vertical-align: inherit;"><span style="vertical-align: inherit;"><span style="vertical-align: inherit;"><span style="font-family: inherit; vertical-align: inherit;"> </span></span></span></span></span></b></p><p><span style="font-family: inherit;"></span></p><p class="Default"><span color="windowtext" style="font-family: inherit; mso-bidi-font-family: Mangal;"></span></p><p class="MsoNormal" style="line-height: normal; margin-bottom: 0cm; mso-layout-grid-align: none; text-autospace: none;"><b style="text-align: center;"><span style="font-family: inherit; font-size: 10pt;"> </span></b></p><p class="MsoNormal" style="line-height: normal; margin-bottom: 0cm; mso-layout-grid-align: none; text-autospace: none;"><b style="text-align: center;"><span style="font-family: inherit;"> </span></b></p><!--[endif]--><p></p>V6 ARTHGYAN LLPhttp://www.blogger.com/profile/18128509813979049058noreply@blogger.com0tag:blogger.com,1999:blog-4746449159280106368.post-5074584368913282352022-09-30T21:44:00.000-07:002022-09-30T21:44:28.458-07:00 BEST Fund vs Right Fund <p> <span style="font-size: large;"> BEST Fund <span style="font-family: inherit;">vs</span> Right Fund </span></p><p></p><div class="separator" style="clear: both; text-align: center;"><a href="https://blogger.googleusercontent.com/img/a/AVvXsEgiLAJw1GVFAfEtHR5XQi1_Hfx0caDXEpbRO3bKsQV04qGuuDOcqtLPbGIjOYgJGsRnULEYfqAb3wcGgPMNV0maadat6JNIuJCmFHUtGFp7hWlRE1Vo47qEsZn2NrQbLmdPKkGPY7o0y9O8VcdLPXMvoP7wp7WEmEDPS0EIL_McIF7pO7-m9Qt52Bsw" style="margin-left: 1em; margin-right: 1em;"><img alt="" data-original-height="383" data-original-width="672" height="333" src="https://blogger.googleusercontent.com/img/a/AVvXsEgiLAJw1GVFAfEtHR5XQi1_Hfx0caDXEpbRO3bKsQV04qGuuDOcqtLPbGIjOYgJGsRnULEYfqAb3wcGgPMNV0maadat6JNIuJCmFHUtGFp7hWlRE1Vo47qEsZn2NrQbLmdPKkGPY7o0y9O8VcdLPXMvoP7wp7WEmEDPS0EIL_McIF7pO7-m9Qt52Bsw=w475-h333" width="475" /></a></div><br /><p></p><p><span style="font-size: medium;"><span style="font-family: "Roboto Lt"; text-align: justify;">The</span><span style="font-family: "Roboto Lt"; letter-spacing: 0.3pt; text-align: justify;"> </span><span style="font-family: "Roboto Lt"; text-align: justify;">Right</span><span style="font-family: "Roboto Lt"; letter-spacing: 0.35pt; text-align: justify;"> </span><span style="font-family: "Roboto Lt"; text-align: justify;">Fund</span><span style="font-family: "Roboto Lt"; letter-spacing: 0.3pt; text-align: justify;"> </span><span style="font-family: "Roboto Lt"; text-align: justify;">vs</span><span style="font-family: "Roboto Lt"; letter-spacing: 0.35pt; text-align: justify;"> </span><span style="font-family: "Roboto Lt"; text-align: justify;">Best</span><span style="font-family: "Roboto Lt"; letter-spacing: 0.35pt; text-align: justify;"> </span><span style="font-family: "Roboto Lt"; text-align: justify;">Mutual</span><span style="font-family: "Roboto Lt"; letter-spacing: 0.3pt; text-align: justify;"> </span><span style="font-family: "Roboto Lt"; text-align: justify;">Fund</span></span></p><div><span style="font-size: medium;"><span style="font-family: "Roboto Lt"; text-align: justify;"><br /></span></span></div><p><span style="font-family: "Roboto Lt"; text-align: justify;"><br /></span></p><p class="MsoBodyText" style="margin-bottom: 0cm; margin-left: 5.25pt; margin-right: 0cm; margin-top: 5.0pt; margin: 5pt 0cm 0cm 5.25pt; text-align: justify;"><span style="font-family: "Roboto Lt"; font-size: medium; mso-hansi-font-family: Roboto;"><b>The<span style="letter-spacing: 0.3pt;"> </span>Right<span style="letter-spacing: 0.35pt;"> </span>Fund<span style="letter-spacing: 0.3pt;"> </span>vs<span style="letter-spacing: 0.35pt;"> </span>Best<span style="letter-spacing: 0.35pt;"> </span>Mutual<span style="letter-spacing: 0.3pt;"> </span>Fund</b></span></p><p class="MsoBodyText" style="margin-bottom: 0cm; margin-left: 5.25pt; margin-right: 0cm; margin-top: 5.0pt; margin: 5pt 0cm 0cm 5.25pt; text-align: justify;"><span style="font-family: "Roboto Lt"; mso-hansi-font-family: Roboto;"></span></p><p class="MsoBodyText" style="line-height: 141%; margin-bottom: 0cm; margin-left: 5.25pt; margin-right: 5.75pt; margin-top: .05pt; margin: 0.05pt 5.75pt 0cm 5.25pt; text-align: justify;">Every one of us wants the best things in the world. The best clothes,
shoes, cars and the list goes<span style="letter-spacing: 0.05pt;"> </span>on.<span style="letter-spacing: 2.05pt;"> </span>Seeking<span style="letter-spacing: 2.1pt;">
</span>the<span style="letter-spacing: 2.1pt;"> </span>best<span style="letter-spacing: 2.1pt;"> </span>things<span style="letter-spacing: 2.1pt;"> </span>is<span style="letter-spacing: 2.1pt;"> </span>fine<span style="letter-spacing: 2.1pt;"> </span>in<span style="letter-spacing: 2.05pt;"> </span>all<span style="letter-spacing: 2.1pt;"> </span>the<span style="letter-spacing: 2.1pt;"> </span>other<span style="letter-spacing: 2.1pt;"> </span>areas<span style="letter-spacing: 2.1pt;"> </span>but<span style="letter-spacing: 2.1pt;"> </span>not<span style="letter-spacing: 2.1pt;"> </span>when<span style="letter-spacing: 2.1pt;"> </span>it<span style="letter-spacing: 2.05pt;"> </span>comes<span style="letter-spacing: 2.1pt;"> </span>to<span style="letter-spacing: 2.1pt;"> </span>selecting<span style="letter-spacing: 2.1pt;">
</span>a <span style="letter-spacing: -2.6pt;"> </span>mutual<span style="letter-spacing: 0.05pt;"> </span>fund<span style="letter-spacing: 0.05pt;"> </span>to<span style="letter-spacing: 0.05pt;"> </span>invest.</p><p class="MsoBodyText" style="line-height: 141%; margin-bottom: 0cm; margin-left: 5.25pt; margin-right: 5.75pt; margin-top: .05pt; margin: 0.05pt 5.75pt 0cm 5.25pt; text-align: justify;"><br /></p><p class="MsoBodyText" style="margin-bottom: 0cm; margin-left: 5.25pt; margin-right: 0cm; margin-top: 5.0pt; margin: 5pt 0cm 0cm 5.25pt; text-align: justify;">It is easy to get swayed by the best mutual fund that is giving eyeball-popping returns in the last six<span style="letter-spacing: 0.05pt;"> </span>months.<span style="letter-spacing: 0.15pt;"> </span>But<span style="letter-spacing: 0.15pt;"> </span>is<span style="letter-spacing: 0.15pt;"> </span>it<span style="letter-spacing: 0.15pt;"> </span>a<span style="letter-spacing: 0.2pt;"> </span>good<span style="letter-spacing: 0.15pt;"> </span>option<span style="letter-spacing: 0.15pt;"> </span>to<span style="letter-spacing: 0.15pt;"> </span>go<span style="letter-spacing: 0.15pt;"> </span>for<span style="letter-spacing: 0.2pt;"> </span>this<span style="letter-spacing: 0.15pt;"> </span>best<span style="letter-spacing: 0.15pt;"> </span>mutual<span style="letter-spacing: 0.15pt;"> </span>fund?<span style="letter-spacing: 0.15pt;"> </span>The<span style="letter-spacing: 0.2pt;"> </span>answer<span style="letter-spacing: 0.15pt;"> </span>is,<span style="letter-spacing: 0.15pt;"> </span>it<span style="letter-spacing: 0.15pt;"> </span>depends.</p><p class="MsoBodyText" style="line-height: 141%; margin-bottom: 0cm; margin-left: 5.25pt; margin-right: 5.7pt; margin-top: 7.5pt; margin: 7.5pt 5.7pt 0cm 5.25pt; text-align: justify;">IT DEPENDS on whether this best fund is also the right fund for you. The
right fund will vary from<span style="letter-spacing: 0.05pt;"> </span>individual
to individual. There are several factors that need to be considered to
arrive at the<span style="letter-spacing: 0.05pt;"> </span>right fund. By the
right fund, we mean the most appropriate fund for a particular investor. The<span style="letter-spacing: 0.05pt;"> </span>appropriate fund for someone who wants to
stay invested for 10 years will vary from a person who<span style="letter-spacing: 0.05pt;"> </span>wants<span style="letter-spacing: 0.05pt;"> </span>to<span style="letter-spacing: 0.05pt;"> </span>stay<span style="letter-spacing: 0.05pt;"> </span>invested<span style="letter-spacing: 0.05pt;"> </span>for<span style="letter-spacing: 0.05pt;"> </span>just<span style="letter-spacing: 0.1pt;"> </span>10<span style="letter-spacing: 0.05pt;"> </span>months.</p><p class="MsoBodyText" style="line-height: 141%; margin-bottom: 0cm; margin-left: 5.25pt; margin-right: 5.4pt; margin-top: 7.55pt; margin: 7.55pt 5.4pt 0cm 5.25pt; text-align: justify;">The investment horizon, risk-taking capacity, age, and urgency of the goal
are some of the factors that<span style="letter-spacing: 0.05pt;"> </span>will<span style="letter-spacing: 0.05pt;"> </span>help<span style="letter-spacing: 0.05pt;"> </span>to<span style="letter-spacing: 0.1pt;"> </span>decide<span style="letter-spacing: 0.05pt;"> </span>whether<span style="letter-spacing: 0.1pt;"> </span>the<span style="letter-spacing: 0.05pt;"> </span>fund<span style="letter-spacing: 0.1pt;"> </span>is<span style="letter-spacing: 0.05pt;"> </span>right<span style="letter-spacing: 0.1pt;"> </span>for<span style="letter-spacing: 0.05pt;"> </span>you<span style="letter-spacing: 0.1pt;"> </span>or<span style="letter-spacing: 0.05pt;"> </span>not.</p><p class="MsoBodyText" style="line-height: 141%; margin-bottom: 0cm; margin-left: 5.25pt; margin-right: 5.4pt; margin-top: 7.55pt; margin: 7.55pt 5.4pt 0cm 5.25pt; text-align: justify;">So,<span style="letter-spacing: 0.15pt;"> </span>let’s<span style="letter-spacing: 0.15pt;"> </span>understand<span style="letter-spacing: 0.2pt;"> </span>what<span style="letter-spacing: 0.15pt;"> </span>will<span style="letter-spacing: 0.2pt;"> </span>be<span style="letter-spacing: 0.15pt;"> </span>the<span style="letter-spacing: 0.2pt;"> </span>right<span style="letter-spacing: 0.15pt;"> </span>fund<span style="letter-spacing: 0.15pt;"> </span>for<span style="letter-spacing: 0.2pt;"> </span>you<span style="letter-spacing: 0.15pt;"> </span>based<span style="letter-spacing: 0.2pt;"> </span>on<span style="letter-spacing: 0.15pt;"> </span>these<span style="letter-spacing: 0.2pt;"> </span>factors:</p><p class="MsoBodyText" style="margin-bottom: 0cm; margin-left: 5.25pt; margin-right: 0cm; margin-top: 7.55pt; margin: 7.55pt 0cm 0cm 5.25pt; text-align: justify;"><br /></p><p class="MsoBodyText" style="line-height: 141%; margin-bottom: 0cm; margin-left: 5.25pt; margin-right: 5.2pt; margin-top: 5.0pt; margin: 5pt 5.2pt 0cm 5.25pt; text-align: justify;"><span style="font-family: "Roboto Lt"; mso-hansi-font-family: Roboto;"><b><span style="font-size: medium;">Investment
horizon:</span></b> The investment</span> horizon is the time that you would want to remain
invested. Also,<span style="letter-spacing: 0.05pt;"> </span>your investment
horizon for your different goals will be different. You may want to stay
invested for<span style="letter-spacing: 0.05pt;"> </span>10 years to buy a house,
which may not be the same for a short-term goal. If your investment<span style="letter-spacing: 0.05pt;"> </span>horizon<span style="letter-spacing: 1.5pt;">
</span>is<span style="letter-spacing: 1.5pt;"> </span>short,<span style="letter-spacing: 1.5pt;"> </span>then<span style="letter-spacing: 1.5pt;"> </span>you<span style="letter-spacing: 1.55pt;"> </span>can<span style="letter-spacing: 1.5pt;"> </span>invest<span style="letter-spacing: 1.5pt;"> </span>in<span style="letter-spacing: 1.5pt;"> </span>a<span style="letter-spacing: 1.55pt;"> </span>mutual<span style="letter-spacing: 1.5pt;">
</span>fund<span style="letter-spacing: 1.5pt;"> </span>that<span style="letter-spacing: 1.5pt;"> </span>carries<span style="letter-spacing: 1.5pt;"> a </span>low<span style="letter-spacing: 1.55pt;"> </span>risk.<span style="letter-spacing: 1.5pt;"> </span>Liquid<span style="letter-spacing: 1.5pt;"> </span>fund<span style="letter-spacing: 1.5pt;"> </span>to<span style="letter-spacing: 1.55pt;"> </span>short-term<span style="letter-spacing: 0.15pt;"> </span>debt<span style="letter-spacing: 0.15pt;"> </span>funds<span style="letter-spacing: 0.2pt;"> </span>is<span style="letter-spacing: 0.15pt;"> </span>ideal<span style="letter-spacing: 0.2pt;"> </span>investment<span style="letter-spacing: 0.15pt;"> </span>options<span style="letter-spacing: 0.2pt;"> </span>if<span style="letter-spacing: 0.15pt;"> </span>your<span style="letter-spacing: 0.2pt;"> </span>investment<span style="letter-spacing: 0.15pt;"> </span>horizon<span style="letter-spacing: 0.2pt;"> </span>is<span style="letter-spacing: 0.15pt;"> </span>less<span style="letter-spacing: 0.2pt;"> </span>than<span style="letter-spacing: 0.15pt;"> </span>three<span style="letter-spacing: 0.2pt;"> </span>years.</p><p class="MsoBodyText" style="line-height: 141%; margin-bottom: 0cm; margin-left: 5.25pt; margin-right: 5.2pt; margin-top: 5.0pt; margin: 5pt 5.2pt 0cm 5.25pt; text-align: justify;"><br /></p><p class="MsoBodyText" style="line-height: 141%; margin-bottom: 0cm; margin-left: 5.25pt; margin-right: 5.2pt; margin-top: 5.0pt; margin: 5pt 5.2pt 0cm 5.25pt; text-align: justify;"><span style="font-size: medium;"><b>Risk-taking capacity:</b></span> Not everyone can take the same level of risk. A young professional who has recently started working may not be willing to take a higher risk as the person may have no prior experience in investing in equities. On the other hand, a person who has been investing in equities will have a higher risk-taking capacity as he/she understands the risk associated with investing in equities. The person will be better emotionally prepared to handle the volatility in the stock market,than someone who hasn't invested in equities. </p><p class="MsoBodyText" style="line-height: 22.56px; margin-bottom: 0cm; margin-left: 5.25pt; margin-right: 5.2pt; margin-top: 5.0pt; margin: 5pt 5.2pt 0cm 5.25pt; text-align: justify;"><br /></p><p class="MsoBodyText" style="line-height: 22.56px; margin-bottom: 0cm; margin-left: 5.25pt; margin-right: 5.2pt; margin-top: 5.0pt; margin: 5pt 5.2pt 0cm 5.25pt; text-align: justify;"><b><span style="font-size: medium;">Age:</span></b> Age is also a crucial factor that helps to decide on the right fund. The financial needs of individuals belonging to different age groups will be different. A person in their 20s has a goal of buying a bike or traveling the world, while a person in their late 50s may want to create a sustainable monthly source of income. Hence, the routes taken by the two individuals will be different. For the person in their 20s, equity funds may be the best option to fulfill their long-term financial goals. On the other hand, the person who is going to be retired, setting up a Systematic Withdrawal Plan from a debt fund with extremely low risk will help him to take care of his needs after retirement.</p><div><br /></div><p class="MsoBodyText" style="line-height: 22.56px; margin-bottom: 0cm; margin-left: 5.25pt; margin-right: 5.2pt; margin-top: 5.0pt; margin: 5pt 5.2pt 0cm 5.25pt; text-align: justify;"><b><span style="font-size: medium;">The urgency of the goal:</span></b> We may have a lot of financial goals but there are a few goals that we can’t compromise. These goals are most likely to be short-term goals. Planning for these goals will be different than the goals that are not very urgent. A higher allocation of the investment corpus may go towards fulfilling the urgent goals. Also, to make sure that you earn higher returns with moderate risk, you may have to invest in two or more mutual fund schemes. Depending on the time horizon of your goals, it may be a mix of equity and debt funds. Your financial advisor will be able to help you out with the detailed planning. </p><p class="MsoBodyText" style="line-height: 22.56px; margin-bottom: 0cm; margin-left: 5.25pt; margin-right: 5.2pt; margin-top: 5.0pt; margin: 5pt 5.2pt 0cm 5.25pt; text-align: justify;"><br /></p><p class="MsoBodyText" style="line-height: 22.56px; margin-bottom: 0cm; margin-left: 5.25pt; margin-right: 5.2pt; margin-top: 5.0pt; margin: 5pt 5.2pt 0cm 5.25pt; text-align: justify;"><span style="font-size: medium; font-weight: bold;">Conclusion:</span><b> </b>The factors such as time horizon, risk-taking capacity, age, and urgency of the goal should not be considered in silos. These factors are dependent on each other. It is always prudent to seat and discusses all these criteria with your FINANCIAL COACH, who considering all these can help you to choose the right scheme for you.</p><p class="MsoBodyText" style="line-height: 22.56px; margin-bottom: 0cm; margin-left: 5.25pt; margin-right: 5.2pt; margin-top: 5.0pt; margin: 5pt 5.2pt 0cm 5.25pt; text-align: justify;"><br /></p><p class="MsoBodyText" style="line-height: 22.56px; margin-bottom: 0cm; margin-left: 5.25pt; margin-right: 5.2pt; margin-top: 5.0pt; margin: 5pt 5.2pt 0cm 5.25pt; text-align: justify;"><br /></p><p class="MsoBodyText" style="line-height: 141%; margin-bottom: 0cm; margin-left: 5.25pt; margin-right: 5.2pt; margin-top: 5.0pt; margin: 5pt 5.2pt 0cm 5.25pt; text-align: justify;"><br /></p><p class="MsoBodyText" style="line-height: 141%; margin-bottom: 0cm; margin-left: 5.25pt; margin-right: 5.2pt; margin-top: 5.0pt; margin: 5pt 5.2pt 0cm 5.25pt; text-align: justify;"> Bal Sachin Gupta</p><p class="MsoBodyText" style="line-height: 22.56px; margin-bottom: 0cm; margin-left: 5.25pt; margin-right: 5.2pt; margin-top: 5.0pt; margin: 5pt 5.2pt 0cm 5.25pt; text-align: justify;"> AMFI Registered Mutual Fund Distributor</p><p class="MsoBodyText" style="line-height: 22.56px; margin-bottom: 0cm; margin-left: 5.25pt; margin-right: 5.2pt; margin-top: 5.0pt; margin: 5pt 5.2pt 0cm 5.25pt; text-align: justify;"> 63062522855</p><p class="MsoBodyText" style="line-height: 22.56px; margin: 5pt 5.2pt 0.0001pt 5.25pt; text-align: justify;"> Hazratganj, Lucknow, 226001</p><p class="MsoBodyText" style="line-height: 22.56px; margin: 5pt 5.2pt 0.0001pt 5.25pt; text-align: justify;"> customercare@vsix.co.in || www.vsix.co.in</p><p class="MsoBodyText" style="line-height: 22.56px; margin-bottom: 0cm; margin-left: 5.25pt; margin-right: 5.2pt; margin-top: 5.0pt; margin: 5pt 5.2pt 0cm 5.25pt; text-align: justify;"><br /></p><p class="MsoBodyText" style="line-height: 141%; margin-bottom: 0cm; margin-left: 5.25pt; margin-right: 5.2pt; margin-top: 5.0pt; margin: 5pt 5.2pt 0cm 5.25pt; text-align: justify;"><br /></p><p class="MsoBodyText" style="line-height: 141%; margin-bottom: 0cm; margin-left: 5.25pt; margin-right: 5.2pt; margin-top: 5.0pt; margin: 5pt 5.2pt 0cm 5.25pt; text-align: justify;"><br /></p><p class="MsoBodyText" style="line-height: 141%; margin-bottom: 0cm; margin-left: 5.25pt; margin-right: 5.2pt; margin-top: 5.0pt; margin: 5pt 5.2pt 0cm 5.25pt; text-align: justify;"> </p><p class="MsoBodyText" style="line-height: 141%; margin-bottom: 0cm; margin-left: 5.25pt; margin-right: 5.2pt; margin-top: 5.0pt; margin: 5pt 5.2pt 0cm 5.25pt; text-align: justify;"><br /></p><p class="MsoBodyText" style="line-height: 141%; margin-bottom: 0cm; margin-left: 5.25pt; margin-right: 5.2pt; margin-top: 5.0pt; margin: 5pt 5.2pt 0cm 5.25pt; text-align: justify;"><br /></p><p class="MsoBodyText" style="line-height: 141%; margin-bottom: 0cm; margin-left: 5.25pt; margin-right: 5.2pt; margin-top: 5.0pt; margin: 5pt 5.2pt 0cm 5.25pt; text-align: justify;"><br /></p><p class="MsoBodyText" style="line-height: 141%; 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margin-right: 5.2pt; margin-top: 5.0pt; margin: 5pt 5.2pt 0cm 5.25pt; text-align: justify;"><br /></p><p class="MsoBodyText" style="line-height: 141%; margin-bottom: 0cm; margin-left: 5.25pt; margin-right: 5.2pt; margin-top: 5.0pt; margin: 5pt 5.2pt 0cm 5.25pt; text-align: justify;"><br /></p><p class="MsoBodyText" style="line-height: 141%; margin-bottom: 0cm; margin-left: 5.25pt; margin-right: 5.2pt; margin-top: 5.0pt; margin: 5pt 5.2pt 0cm 5.25pt; text-align: justify;"><br /></p><p class="MsoBodyText" style="line-height: 141%; margin-bottom: 0cm; margin-left: 5.25pt; margin-right: 5.2pt; margin-top: 5.0pt; margin: 5pt 5.2pt 0cm 5.25pt; text-align: justify;"><br /></p><p class="MsoBodyText" style="line-height: 141%; margin-bottom: 0cm; margin-left: 5.25pt; margin-right: 5.2pt; margin-top: 5.0pt; margin: 5pt 5.2pt 0cm 5.25pt; text-align: justify;"><br /></p><p class="MsoBodyText" style="line-height: 141%; margin-bottom: 0cm; margin-left: 5.25pt; margin-right: 5.2pt; margin-top: 5.0pt; margin: 5pt 5.2pt 0cm 5.25pt; text-align: justify;"><br /></p><p class="MsoBodyText" style="line-height: 141%; margin-bottom: 0cm; margin-left: 5.25pt; margin-right: 5.2pt; margin-top: 5.0pt; margin: 5pt 5.2pt 0cm 5.25pt; text-align: justify;"><br /></p><p class="MsoBodyText" style="line-height: 141%; margin-bottom: 0cm; margin-left: 5.25pt; margin-right: 5.2pt; margin-top: 5.0pt; margin: 5pt 5.2pt 0cm 5.25pt; text-align: justify;"> </p><p class="MsoBodyText" style="line-height: 141%; margin-bottom: 0cm; margin-left: 5.25pt; margin-right: 5.2pt; margin-top: 5.0pt; margin: 5pt 5.2pt 0cm 5.25pt; text-align: justify;"><br /></p><p class="MsoBodyText" style="line-height: 141%; margin-bottom: 0cm; margin-left: 5.25pt; margin-right: 5.2pt; margin-top: 5.0pt; margin: 5pt 5.2pt 0cm 5.25pt; text-align: justify;"> </p><p class="MsoBodyText" style="line-height: 141%; margin-bottom: 0cm; margin-left: 5.25pt; margin-right: 5.2pt; margin-top: 5.0pt; margin: 5pt 5.2pt 0cm 5.25pt; text-align: justify;"> </p><p class="MsoBodyText" style="line-height: 141%; margin-bottom: 0cm; margin-left: 5.25pt; margin-right: 5.2pt; margin-top: 5.0pt; margin: 5pt 5.2pt 0cm 5.25pt; text-align: justify;"> </p><p class="MsoBodyText" style="line-height: 141%; margin-bottom: 0cm; margin-left: 5.25pt; margin-right: 5.2pt; margin-top: 5.0pt; margin: 5pt 5.2pt 0cm 5.25pt; text-align: justify;"> </p>V6 ARTHGYAN LLPhttp://www.blogger.com/profile/18128509813979049058noreply@blogger.com0tag:blogger.com,1999:blog-4746449159280106368.post-48473360395504385162022-09-30T21:43:00.000-07:002022-09-30T21:50:37.216-07:00 राइट फंड बनाम बेस्ट म्यूचुअल फंड<p><span style="font-family: inherit; font-size: large;"> राइट फंड बनाम बेस्ट म्यूचुअल फंड</span></p><p></p><div class="separator" style="clear: both; text-align: center;"><span style="font-family: inherit;"><img alt="" border="0" class="placeholder" id="71778fdc37f72" src="https://www.blogger.com/img/transparent.gif" style="background-color: #d8d8d8; background-image: url('https://fonts.gstatic.com/s/i/materialiconsextended/insert_photo/v6/grey600-24dp/1x/baseline_insert_photo_grey600_24dp.png'); background-position: 50% 50%; background-repeat: no-repeat; opacity: 0.6;" /></span></div><span style="font-family: inherit;"> </span><p></p><div class="separator" style="clear: both; text-align: center;"><a href="https://blogger.googleusercontent.com/img/a/AVvXsEiVXs8H1wdxkZIqLOB__6P8HOrkmCqUgthbtDvAusua3IdGf65-B4ZZsfjuks960B2ADR6-YJeDrfllzel0Ve7gMbEPClYesAqyT1VK2w499Krc4I_GKvIzGTJWhB0QJwtDPuNj7SxFunXD_lB_CLQ9upsbmXyQBU-CGMOrFTIDk0oUffuxHPElAOPC" style="margin-left: 1em; margin-right: 1em;"><span style="font-family: inherit;"><img alt="" data-original-height="253" data-original-width="430" height="323" src="https://blogger.googleusercontent.com/img/a/AVvXsEiVXs8H1wdxkZIqLOB__6P8HOrkmCqUgthbtDvAusua3IdGf65-B4ZZsfjuks960B2ADR6-YJeDrfllzel0Ve7gMbEPClYesAqyT1VK2w499Krc4I_GKvIzGTJWhB0QJwtDPuNj7SxFunXD_lB_CLQ9upsbmXyQBU-CGMOrFTIDk0oUffuxHPElAOPC=w475-h323" width="475" /></span></a></div><p><span style="font-family: inherit;"><br /></span></p><p><span style="font-family: inherit;">राइट फंड बनाम बेस्ट म्यूचुअल फंड </span></p><p><span style="font-family: inherit; font-size: medium;"><br /></span></p><p><span style="font-family: inherit; font-size: medium;"><br /></span></p><p><span style="font-family: inherit; font-size: medium;"><b>राइट फंड बनाम बेस्ट म्यूचुअल फंड </b></span></p><p><span style="font-family: inherit;">हम में से हर कोई दुनिया में सबसे अच्छी चीजें चाहता है। सबसे अच्छे कपड़े, जूते, कार और सूची जारी है।अन्य सभी क्षेत्रों में सर्वोत्तम चीजों की तलाश करना ठीक है , लेकिन जब निवेश करने के लिए म्यूचुअल फंड चुनने की बात आती है तो नहीं। </span></p><p><span style="font-family: inherit;">पिछले छह महीनों में शानदार रिटर्न देने वाले बेहतरीन म्युचुअल फंड के बहकावे में आना आसान है। लेकिन क्या इस बेहतरीन म्यूचुअल फंड के लिए जाना एक अच्छा विकल्प है? उत्तर है, यह निर्भर करता है।</span></p><p><span style="font-family: inherit;">यह इस बात पर निर्भर करता है कि क्या यह बेस्ट फंड भी आपके लिए सही फंड है। सही फंड अलग-अलग व्यक्ति के लिए अलग-अलग होगा। ऐसे कई कारक हैं जिन पर सही फंड तक पहुंचने के लिए विचार करने की आवश्यकता है। </span></p><p><span style="font-family: inherit;">सही फंड से हमारा तात्पर्य किसी विशेष निवेशक के लिए सबसे उपयुक्त फंड से है। जो व्यक्ति 10 साल के लिए निवेशित रहना चाहता है, उसके लिए उपयुक्त फंड उस व्यक्ति से भिन्न होगा जो सिर्फ 10 महीनों के लिए निवेशित रहना चाहता है।</span></p><div><div><span style="font-family: inherit;">निवेश क्षितिज, जोखिम लेने की क्षमता, आयु और लक्ष्य की तात्कालिकता कुछ ऐसे कारक हैं जो यह तय करने में मदद करेंगे कि फंड आपके लिए सही है या नहीं।</span></div></div><div><span style="font-family: inherit;"><br /></span></div><div><div><span style="font-family: inherit;"><br /></span></div><div><span style="font-family: inherit;">तो, आइए समझते हैं कि इन कारकों के आधार पर आपके लिए कौन सा फंड सही रहेगा:</span></div></div><div><span style="font-family: inherit; font-size: large;"><b><br /></b></span></div><div><div><span style="font-family: inherit;"><span style="font-size: large;"><b>निवेश क्षितिज:</b></span> निवेश क्षितिज वह समय है जब आप निवेशित रहना चाहते हैं। साथ ही, आपके विभिन्न लक्ष्यों के लिए आपका निवेश क्षितिज अलग-अलग होगा। आप घर खरीदने के लिए 10 साल के लिए निवेशित रहना चाह सकते हैं,जो कि अल्पकालिक लक्ष्य के लिए समान नहीं हो सकता है। अगर आपका निवेश क्षितिज छोटा है, तो आप कम जोखिम वाले म्यूचुअल फंड में निवेश कर सकते हैं। अगर आपका निवेश क्षितिज तीन साल से कम है तो लिक्विड फंड से शॉर्ट टर्म डेट फंड आदर्श निवेश विकल्प हैं।</span></div><div><span style="font-family: inherit; font-size: large;"><b><br /></b></span></div><div><div><span style="font-family: inherit;"><b><span style="font-size: large;">जोखिम लेने की क्षमता:</span></b> हर कोई समान स्तर का जोखिम नहीं उठा सकता है। एक युवा पेशेवर जिसने हाल ही में काम करना शुरू किया है, वह अधिक जोखिम लेने को तैयार नहीं हो सकता है क्योंकि उस व्यक्ति को इक्विटी में निवेश करने का कोई पूर्व अनुभव नहीं हो सकता है। दूसरी</span></div><div><span style="font-family: inherit;"> ओर, एक व्यक्ति जो इक्विटी में निवेश कर रहा है, उसकी जोखिम लेने की क्षमता अधिक होगी क्योंकि वह इक्विटी में निवेश से जुड़े जोखिम को समझता है। शेयर बाजार में उतार-चढ़ाव को संभालने के लिए व्यक्ति भावनात्मक रूप से बेहतर होगा, उस व्यक्ति की तुलना में जिसने इक्विटी में </span></div><div><span style="font-family: inherit;">निवेश नहीं किया है।</span></div></div><div><span style="font-family: inherit;"><br /></span></div><div><div><span style="font-family: inherit;"><b><span style="font-size: large;">आयु: </span></b>आयु भी एक महत्वपूर्ण कारक है जो सही फंड के बारे में निर्णय लेने में मदद करता है। विभिन्न आयु वर्ग के व्यक्तियों की वित्तीय जरूरतें अलग-अलग होंगी। 20 के दशक में एक व्यक्ति का लक्ष्य बाइक खरीदना या दुनिया की यात्रा करना है, जबकि 50 के दशक के अंत में एक व्यक्ति आय का एक स्थायी मासिक स्रोत बनाना चाहता है। इसलिए, दो व्यक्तियों द्वारा लिए गए मार्ग अलग-अलग होंगे। 20 के दशक में व्यक्ति के लिए, इक्विटी फंड अपने दीर्घकालिक वित्तीय लक्ष्यों को पूरा करने का सबसे अच्छा विकल्प हो सकता है। दूसरी ओर, जो व्यक्ति सेवानिवृत्त होने जा रहा है, अत्यंत कम जोखिम वाले डेट फंड से व्यवस्थित निकासी योजना स्थापित करने से उसे सेवानिवृत्ति के बाद अपनी जरूरतों का ख्याल रखने में मदद मिलेगी।</span></div><div><span style="font-family: inherit; font-size: large;"><b><br /></b></span></div><div><div><span style="font-family: inherit;"><b><span style="font-size: large;">लक्ष्य की तात्कालिकता: </span></b>हमारे पास बहुत सारे वित्तीय लक्ष्य हो सकते हैं लेकिन कुछ लक्ष्य ऐसे हैं जिनसे हम समझौता नहीं कर सकते। ये लक्ष्य अल्पकालिक लक्ष्य होने की सबसे अधिक संभावना है। इन लक्ष्यों के लिए योजना बनाना उन लक्ष्यों से अलग होगा जो बहुत जरूरी नहीं हैं। निवेश कोष का एक उच्च आवंटन तत्काल लक्ष्यों को पूरा करने की दिशा में जा सकता है। साथ ही, यह सुनिश्चित करने के लिए कि आप मध्यम जोखिम के साथ उच्च रिटर्न अर्जित करते हैं, आपको दो या अधिक म्यूचुअल फंड योजनाओं में निवेश करना पड़ सकता है। आपके लक्ष्यों के समय के आधार पर, यह इक्विटी और डेट फंड का मिश्रण हो सकता है। आपका वित्तीय सलाहकार विस्तृत योजना बनाने में आपकी मदद करने में सक्षम होगा।</span></div><div><span style="font-family: inherit; font-size: medium;"><br /></span></div><div><div><span style="font-family: inherit;"><b><span style="font-size: large;">निष्कर्ष:</span></b> समय सीमा, जोखिम लेने की क्षमता, आयु और लक्ष्य की तात्कालिकता जैसे कारकों को साइलो में नहीं माना जाना चाहिए। ये कारक एक दूसरे पर निर्भर हैं। अपने वित्तीय सलाहकार के साथ इन सभी मानदंडों पर बैठने और चर्चा करने में हमेशा समझदारी होती है, जो इन सभी पर विचार करने से आपको अपने लिए सही योजना चुनने में मदद मिल सकती है।</span></div><div><span style="font-family: inherit;"><br /></span></div><div><span style="font-family: inherit;"><br /></span></div><div><span style="font-family: inherit;"><br /></span></div><div><span style="font-family: inherit;"><br /></span></div><div><span style="font-family: inherit;"> </span><span style="text-align: justify;"> Bal Sachin Gupta</span></div><p class="MsoBodyText" style="line-height: 22.56px; margin-bottom: 0cm; margin-left: 5.25pt; margin-right: 5.2pt; margin-top: 5.0pt; margin: 5pt 5.2pt 0cm 5.25pt; text-align: justify;"> AMFI Registered Mutual Fund Distributor</p><p class="MsoBodyText" style="line-height: 22.56px; margin-bottom: 0cm; margin-left: 5.25pt; margin-right: 5.2pt; margin-top: 5.0pt; margin: 5pt 5.2pt 0cm 5.25pt; text-align: justify;"> 63062522855</p><p class="MsoBodyText" style="line-height: 22.56px; margin: 5pt 5.2pt 0.0001pt 5.25pt; text-align: justify;"> Hazratganj, Lucknow, 226001</p><p class="MsoBodyText" style="line-height: 22.56px; margin: 5pt 5.2pt 0.0001pt 5.25pt; text-align: justify;"> customercare@vsix.co.in || www.vsix.co.in</p><p class="MsoBodyText" style="line-height: 22.56px; margin-bottom: 0cm; margin-left: 5.25pt; margin-right: 5.2pt; margin-top: 5.0pt; margin: 5pt 5.2pt 0cm 5.25pt; text-align: justify;"><br /></p><div><span style="font-family: inherit;"><br /></span></div></div><div><span style="font-family: inherit;"><br /></span></div><div><span style="font-family: inherit;"><br /></span></div></div><div><span style="font-family: inherit;"><br /></span></div><div><span style="font-family: inherit;"><br /></span></div><div><span style="font-family: inherit;"><br /></span></div></div><div><span style="font-family: inherit;"><br /></span></div><div><span style="font-family: inherit;"><br /></span></div></div><div><span style="font-family: inherit;"><br /></span></div><p><span style="font-family: inherit;"> </span></p>V6 ARTHGYAN LLPhttp://www.blogger.com/profile/18128509813979049058noreply@blogger.com0tag:blogger.com,1999:blog-4746449159280106368.post-73706416721769629732022-09-14T21:39:00.007-07:002022-09-14T21:39:56.404-07:00<p> </p><p class="Default"><span color="windowtext" face="Roboto, "sans-serif""><span style="font-size: 15pt;"> </span><b><span style="font-size: x-large;"> How to achieve Financial Freedom</span></b><span style="font-size: 15pt;"><o:p></o:p></span></span></p><p><br /></p><div class="separator" style="clear: both; text-align: center;"><a href="https://blogger.googleusercontent.com/img/a/AVvXsEg_BK5_oRi62fVDgML6ON_svCpmgqRhwLq789CvGzHdQE_ji38wilutvaxnervDQWBBQTGpbqg7nZ8JfJVfvj_7mV4ADXL-wuS2vfEpl3UydTe3bZaAwTU_XBzn5KGJJnlgqlt4UO6XPwMjTrRcoymurGPzZ9zG_nnjS7l8nGr-7BGR2dc-2kiRbliD" style="margin-left: 1em; margin-right: 1em;"><img alt="" data-original-height="390" data-original-width="698" height="224" src="https://blogger.googleusercontent.com/img/a/AVvXsEg_BK5_oRi62fVDgML6ON_svCpmgqRhwLq789CvGzHdQE_ji38wilutvaxnervDQWBBQTGpbqg7nZ8JfJVfvj_7mV4ADXL-wuS2vfEpl3UydTe3bZaAwTU_XBzn5KGJJnlgqlt4UO6XPwMjTrRcoymurGPzZ9zG_nnjS7l8nGr-7BGR2dc-2kiRbliD=w400-h224" width="400" /></a></div><p></p><p class="Default"><b><span style="font-size: x-large;"><span color="windowtext" face=""Roboto Medium", "sans-serif"">6 steps to </span><span color="windowtext">fi</span></span></b><span color="windowtext" face=""Roboto Medium", "sans-serif""><b><span style="font-size: x-large;">nancial freedom</span></b><span style="font-size: 11pt;"><o:p></o:p></span></span></p><p class="Default"><span style="font-size: medium;"><span color="windowtext" face="Roboto, "sans-serif"">Freedom sounds sweet. While we achieved political freedom way back in 1947, many still struggle with </span><span color="windowtext">fi</span><span color="windowtext" face="Roboto, "sans-serif"">nancial
freedom. Everyone wants to be </span><span color="windowtext">fi</span><span color="windowtext" face="Roboto, "sans-serif"">nancially free and it is not something that is
exclusive to just a few people. Having said that, </span><span color="windowtext">fi</span><span color="windowtext" face="Roboto, "sans-serif"">nancial
freedom is not a child’s play. It is a series of steps.<o:p></o:p></span></span></p><p class="Default"><span style="font-size: medium;"><span color="windowtext" face="Roboto, "sans-serif"">So, here are some of the steps
that you need to take toward </span><span color="windowtext">fi</span><span color="windowtext" face="Roboto, "sans-serif"">nancial freedom:<o:p></o:p></span></span></p><p class="Default"><span face=""Roboto Medium", "sans-serif""><b><span style="font-size: x-large;">Set your goal:</span></b><span style="font-size: medium;"> </span></span><span style="font-size: medium;"><span color="windowtext" face="Roboto, "sans-serif"">Having a goal gives a sense of
direction and purpose. You will also be able to track your progress. In this aspect,
it is essential to understand what </span><span color="windowtext">fi</span><span color="windowtext" face="Roboto, "sans-serif"">nancial freedom means to you. Much associate </span><span color="windowtext">fi</span><span color="windowtext" face="Roboto, "sans-serif"">nancial freedom with early retirement. Here are some
of the other instances of how financial freedom may look like:</span></span></p><p class="Default"><span color="windowtext" face="Roboto, "sans-serif""><span style="font-size: medium;"><o:p></o:p></span></span></p><p class="Default"><span style="font-size: medium;"><span face=""Roboto Medium", "sans-serif"">* </span><span color="windowtext" face="Roboto, "sans-serif"">Freedom to choose a career
without worrying about money</span></span></p>
<p class="Default"><span color="windowtext" face="Roboto, "sans-serif""><span style="font-size: medium;">*Freedom to go on frequent
vacations without straining your budget<o:p></o:p></span></span></p>
<p class="Default"><span color="windowtext" face="Roboto, "sans-serif""><span style="font-size: medium;">*Freedom to take care of the needs
and wants of other people the way you want<o:p></o:p></span></span></p>
<p class="Default"><span color="windowtext" face="Roboto, "sans-serif""><span style="font-size: medium;">*Freedom to retire early</span></span></p><p class="Default"><span face=""Roboto Medium", "sans-serif""><b><span style="font-size: x-large;">Have an emergency corpus: </span></b></span><span face="Roboto, "sans-serif"" style="font-size: medium;">The second step in this journey is having an
emergency fund. It is a crucial step, as it will help you to tide over
emergencies. No one can predict crises and hence, it is always better to be
prepared. Emergencies can include job loss, car repairs, house repairs, etc. Without
an emergency corpus, you may have to dip into your savings, which may adversely
delay your goals. Or worse, take a loan.</span></p><p class="Default"><span color="windowtext" face="Roboto, "sans-serif""><span style="font-size: medium;">Hence, one needs to have an
emergency corpus with 3 to 6 months of expenses. The best way to park in an
emergency corpus is in a liquid fund. It is crucial to keep it in a different
account, out of your sight so that you are not tempted to use it.<o:p></o:p></span></span></p><p class="Default"><span color="windowtext" face=""Roboto Medium", "sans-serif""><b><span style="font-size: x-large;">Budget<o:p></o:p></span></b></span></p><p class="Default"><span color="windowtext" face="Roboto, "sans-serif""><span style="font-size: medium;">Having a budget is a crucial
part. And this is one step that requires trial and error. A simple yet effective
thumb rule is the 50-30-20 rule. According to this thumb rule, you may allocate
50% of your income towards needs, 30% for wants, and save the rest 20%. You can
also tweak it according to your convenience. However, it is better to have a
higher allocation of investment and savings in the budget.<o:p></o:p></span></span></p><p class="Default"><span color="windowtext" face="Roboto, "sans-serif""><span style="font-size: medium;">Secondly, you can also identify
your monthly expenses based on the past six months. Later divide your expenses
into essential, non-essential, and junk. Use this list to prioritize and cut
whatever is possible. You can also use budget apps to track your expenses. Also,
invite every family member to share their concerns regarding the budget.<o:p></o:p></span></span></p><p class="Default"><span color="windowtext" face="Roboto, "sans-serif"" style="font-size: large;"> <o:p></o:p></span><span color="windowtext" face=""Roboto Medium", "sans-serif""><b><span style="font-size: x-large;">Pay yourself first</span></b></span></p><p class="Default"><span color="windowtext" face=""Roboto Medium", "sans-serif""><span style="font-size: medium;"><o:p></o:p></span></span></p><p class="Default"><span style="font-size: medium;"><span color="windowtext" face="Roboto, "sans-serif"">If you read </span><span color="windowtext">fi</span><span color="windowtext" face="Roboto, "sans-serif"">nancial
blogs and books, you must have come across the concept of paying yourself first.
Even before we receive our salary, many of us start planning ways to spend it.
If you want to be free, you should consider paying yourself </span><span color="windowtext">fi</span><span color="windowtext" face="Roboto, "sans-serif"">rst.
By this, we mean that you should earmark a certain amount of money for
investing. You can also automate your investments. Set up a systematic investment plan (SIP), and you can see your money grow over time.<o:p></o:p></span></span></p><p class="Default">
</p><p class="Default"><span color="windowtext" face="Roboto, "sans-serif""><span style="font-size: medium;">Another way to pay yourself is by
investing in yourself through reading books, going to workshops, etc. This will
help you to increase your earning potential and to build a second source of
income.<o:p></o:p></span></span></p><p class="Default"><span color="windowtext" face=""Roboto Medium", "sans-serif""><b><span style="font-size: x-large;">Say bye to debt</span></b><span style="font-size: medium;"><o:p></o:p></span></span></p><p class="Default"><span style="font-size: medium;"><span color="windowtext" face="Roboto, "sans-serif"">While people like to segregate
debt into good or bad, there is nothing good about debt. There are harmful debts and less harmful debts. Having debt is one of the most signi</span><span color="windowtext">fi</span><span color="windowtext" face="Roboto, "sans-serif"">cant
impediments to financial independence. If you have many loans, look at reducing
loans that don’t carry tax benefits. Otherwise, look at repaying the debt with
the smallest principal. Once you can repay the smaller loan, you will be more
charged to clear your other debts.<o:p></o:p></span></span></p><p class="Default"><span style="font-size: x-large;"><b><span color="windowtext" face=""Roboto Medium", "sans-serif"">Get a </span><span color="windowtext">fi</span></b></span><span color="windowtext" face=""Roboto Medium", "sans-serif""><span style="font-size: x-large;"><b>nancial advisor</b></span><span style="font-size: medium;"><o:p></o:p></span></span></p><p class="Default"><span style="font-size: medium;"><span face="Roboto, "sans-serif"">Last but not at least, having a </span><span face="Arial, "sans-serif"">fi</span><span face="Roboto, "sans-serif"">nancial advisor can immensely help you in this journey of </span><span face="Arial, sans-serif">financial independence</span><span face="Roboto, "sans-serif"">. Everything you need to know
about </span><span face="Arial, "sans-serif"">fi</span><span face="Roboto, "sans-serif"">nance
is available online. But, can you be sure that you will remain disciplined even
when the market tumbles or when you are tempted to buy an expensive car to show
off to your neighbor instead of focusing on early retirement? Let’s face it controlling our emotions are a lot harder. And that is why you need a </span><span face="Arial, "sans-serif"">fi</span><span face="Roboto, "sans-serif"">nancial advisor.</span></span></p><p class="Default"><br /></p><p class="Default"><span style="font-size: medium;"><span face="Roboto, "sans-serif""></span></span></p><pre style="background: white; mso-background-themecolor: background1;"><span style="font-size: medium;"> <img border="0" data-original-height="131" data-original-width="162" height="258" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEiD5tEs9VlzLi7r8lN8kE4wLamTJYpqOqyX17cxpdPR6dsqDtGvYbgLs04yukcniaVyfZ0dDX-Ut1ulpVoJydmd-qlHtNs2hR8D4tGRkhqMXKUh9teSCzSu1PFakQNDpnfBquV59PsmydG8P6yO4lRn8E860vtOJu6kdPlxFEK1FeqmXaF8miL53J0_/w320-h258/image%20(1).png" style="font-family: "Times New Roman"; white-space: normal;" width="320" /> </span></pre><p class="MsoNormal" style="line-height: normal; margin-bottom: 0cm; mso-layout-grid-align: none; text-autospace: none;"><b style="text-align: center;"><span style="font-family: Mangal, "serif"; font-size: 10pt;"><span lang="HI"> </span></span></b><span style="background-color: #f8f9fa; text-align: center;"><b>AMFI Registered Mutual Fund Distributor </b></span></p><p class="MsoNormal" style="line-height: normal; margin-bottom: 0cm; mso-layout-grid-align: none; text-autospace: none;"><b style="text-align: center;"><span lang="HI" style="font-family: Mangal, "serif"; font-size: 10pt;"> 6306522855</span></b></p><p class="MsoNormal" style="line-height: normal; margin-bottom: 0cm; mso-layout-grid-align: none; text-autospace: none;"><b style="text-align: center;"><span style="font-family: "Times New Roman", "serif"; font-size: 10pt;"><span style="vertical-align: inherit;"><span style="vertical-align: inherit;"><span style="vertical-align: inherit;"><span style="vertical-align: inherit;"> Burlington, Lucknow, </span></span></span></span></span><span lang="HI" style="font-family: Mangal, "serif"; font-size: 10pt;"><span style="vertical-align: inherit;"><span style="vertical-align: inherit;"><span style="vertical-align: inherit;"><span style="vertical-align: inherit;">226001</span></span></span></span></span></b></p><p class="MsoNormal" style="line-height: normal; margin-bottom: 0cm; mso-layout-grid-align: none; text-autospace: none;"><b style="font-family: "Times New Roman", "serif"; font-size: 10pt; text-align: center;"> customercare@vsix.co.in || www.vsix.co.in</b></p><p><span style="font-size: medium;"></span></p><p class="Default"><span color="windowtext" style="mso-bidi-font-family: Mangal;"></span></p><p class="Default"><span style="font-size: medium;"><span face="Roboto, "sans-serif""></span></span></p><p class="MsoNormal" style="line-height: normal; margin-bottom: 0cm; mso-layout-grid-align: none; text-autospace: none;"><b style="text-align: center;"><span style="font-family: Mangal, "serif"; font-size: 10pt;"> </span></b></p><p class="Default"><span style="font-size: medium;"><span face="Roboto, "sans-serif""><br /></span></span></p><p class="Default"><span style="font-size: medium;"><span face="Roboto, "sans-serif""><br /></span></span></p><p class="Default"><span style="font-size: medium;"><span face="Roboto, "sans-serif""><br /></span></span></p><p class="Default"><span face=""Roboto","sans-serif"" style="font-size: 11pt; mso-ansi-language: EN-US; mso-bidi-font-family: Roboto; mso-bidi-language: HI; mso-fareast-font-family: Calibri; mso-fareast-language: EN-US; mso-fareast-theme-font: minor-latin;"><br /></span></p><p class="Default"><span color="windowtext" face=""Roboto Medium","sans-serif"" style="font-size: 11pt; mso-bidi-font-family: "Roboto Medium";"><br /></span></p>V6 ARTHGYAN LLPhttp://www.blogger.com/profile/18128509813979049058noreply@blogger.com0tag:blogger.com,1999:blog-4746449159280106368.post-7195979168769854622022-09-14T21:39:00.006-07:002022-09-14T21:39:31.673-07:00<p class="MsoNormal" style="background: white; line-height: normal; margin-bottom: 0cm; mso-background-themecolor: background1; tab-stops: 45.8pt 91.6pt 137.4pt 183.2pt 229.0pt 274.8pt 320.6pt 366.4pt 412.2pt 458.0pt 503.8pt 549.6pt 595.4pt 641.2pt 687.0pt 732.8pt;"><span><span lang="HI" style="color: #202124; font-family: Mangal, "serif";"><span style="font-size: medium;"> </span><b><span style="font-size: large;">वित्तीय स्वतंत्रता कैसे प्राप्त करें</span></b></span><span style="color: #202124; font-family: "inherit", "serif"; font-size: large;"><o:p></o:p></span></span></p><p><span style="font-size: medium;"><span> </span> <a href="https://blogger.googleusercontent.com/img/a/AVvXsEg_BK5_oRi62fVDgML6ON_svCpmgqRhwLq789CvGzHdQE_ji38wilutvaxnervDQWBBQTGpbqg7nZ8JfJVfvj_7mV4ADXL-wuS2vfEpl3UydTe3bZaAwTU_XBzn5KGJJnlgqlt4UO6XPwMjTrRcoymurGPzZ9zG_nnjS7l8nGr-7BGR2dc-2kiRbliD" style="margin-left: 1em; margin-right: 1em; text-align: center;"><img alt="" data-original-height="390" data-original-width="698" height="224" src="https://blogger.googleusercontent.com/img/a/AVvXsEg_BK5_oRi62fVDgML6ON_svCpmgqRhwLq789CvGzHdQE_ji38wilutvaxnervDQWBBQTGpbqg7nZ8JfJVfvj_7mV4ADXL-wuS2vfEpl3UydTe3bZaAwTU_XBzn5KGJJnlgqlt4UO6XPwMjTrRcoymurGPzZ9zG_nnjS7l8nGr-7BGR2dc-2kiRbliD=w400-h224" width="400" /></a></span></p><pre style="background: white; mso-background-themecolor: background1;"><p class="Default" style="background-attachment: initial; background-clip: initial; background-image: initial; background-origin: initial; background-position: initial; background-repeat: initial; background-size: initial;"><b><span style="font-size: x-large;"><span lang="HI" style="background: rgb(248, 249, 250); color: #202124; font-family: Mangal, "serif";">वित्तीय स्वतंत्रता के लिए </span><span style="background: rgb(248, 249, 250); color: #202124;">6 </span><span lang="HI" style="background: rgb(248, 249, 250); color: #202124; font-family: Mangal, "serif";">कदम</span></span></b><span color="windowtext" face=""Roboto Medium","sans-serif"" style="font-size: 9pt; mso-bidi-font-family: "Roboto Medium";"><o:p></o:p></span></p><pre style="background-attachment: initial; background-clip: initial; background-image: initial; background-origin: initial; background-position: initial; background-repeat: initial; background-size: initial;"><span style="font-size: medium;"><span class="y2iqfc"><span lang="HI" style="color: #202124; font-family: Mangal, "serif";">आजादी प्यारी लगती है। जबकि हमने 1947 में बहुत पहले राजनीतिक स्वतंत्रता हासिल कर ली थी</span></span><span class="y2iqfc"><span style="color: #202124; font-family: "inherit", "serif";">, </span></span><span class="y2iqfc"><span lang="HI" style="color: #202124; font-family: Mangal, "serif";">कई अभी भी वित्तीय स्वतंत्रता के साथ </span></span></span></pre><pre style="background-attachment: initial; background-clip: initial; background-image: initial; background-origin: initial; background-position: initial; background-repeat: initial; background-size: initial;"><span class="y2iqfc"><span lang="HI" style="color: #202124; font-family: Mangal, "serif";"><span style="font-size: medium;">संघर्ष कर रहे हैं। हर कोई आर्थिक रूप से स्वतंत्र होना चाहता है और यह ऐसी चीज नहीं है जो केवल कुछ लोगों के लिए ही है। उन्होंने कहा</span></span></span></pre><pre style="background-attachment: initial; background-clip: initial; background-image: initial; background-origin: initial; background-position: initial; background-repeat: initial; background-size: initial;"><span style="font-size: medium;"><span class="y2iqfc"><span lang="HI" style="color: #202124; font-family: Mangal, "serif";">कि आर्थिक आजादी कोई बच्चों का खेल नहीं है। यह चरणों की एक श्रृंखला है</span></span><span style="color: #202124; font-family: "inherit", "serif";"><o:p></o:p></span></span></pre><pre style="background-attachment: initial; background-clip: initial; background-image: initial; background-origin: initial; background-position: initial; background-repeat: initial; background-size: initial;"><span style="font-size: medium;"><span class="y2iqfc"><span lang="HI" style="color: #202124; font-family: Mangal, "serif";">तो</span></span><span class="y2iqfc"><span style="color: #202124; font-family: "inherit", "serif";">, </span></span><span class="y2iqfc"><span lang="HI" style="color: #202124; font-family: Mangal, "serif";">यहाँ कुछ कदम हैं जो आपको वित्तीय स्वतंत्रता की दिशा में उठाने की आवश्यकता है:</span></span></span><span class="y2iqfc"><span lang="HI" style="color: #202124; font-size: 9pt; mso-ascii-font-family: inherit; mso-hansi-font-family: inherit;"><o:p></o:p></span></span></pre><pre style="background-attachment: initial; background-clip: initial; background-image: initial; background-origin: initial; background-position: initial; background-repeat: initial; background-size: initial;"><span class="y2iqfc"><span lang="HI" style="color: #202124; font-family: Mangal, "serif";"><span style="font-size: medium;">अपना लक्ष्य निर्धारित करें: लक्ष्य रखने से दिशा और उद्देश्य का बोध होता है। आप अपनी प्रगति को भी ट्रैक करने में सक्षम होंगे। इस </span></span></span></pre><pre style="background-attachment: initial; background-clip: initial; background-image: initial; background-origin: initial; background-position: initial; background-repeat: initial; background-size: initial;"><span style="font-size: medium;"><span class="y2iqfc"><span lang="HI" style="color: #202124; font-family: Mangal, "serif";">पहलू में</span></span><span class="y2iqfc"><span style="color: #202124; font-family: "inherit", "serif";">, </span></span><span class="y2iqfc"><span lang="HI" style="color: #202124; font-family: Mangal, "serif";">यह समझना आवश्यक है कि आपके लिए वित्तीय स्वतंत्रता का क्या अर्थ है। कई लोग वित्तीय स्वतंत्रता को जल्दी सेवानिवृत्ति के साथ </span></span></span></pre><pre style="background-attachment: initial; background-clip: initial; background-image: initial; background-origin: initial; background-position: initial; background-repeat: initial; background-size: initial;"><span style="font-size: medium;"><span class="y2iqfc"><span lang="HI" style="color: #202124; font-family: Mangal, "serif";">जोड़ते हैं। वित्तीय स्वतंत्रता कैसी दिख सकती है</span></span><span class="y2iqfc"><span style="color: #202124; font-family: "inherit", "serif";">, </span></span><span class="y2iqfc"><span lang="HI" style="color: #202124; font-family: Mangal, "serif";">इसके कुछ अन्य उदाहरण यहां दिए गए हैं:</span></span><span style="color: #202124; font-family: "inherit", "serif";"><o:p></o:p></span></span></pre><pre style="background-attachment: initial; background-clip: initial; background-image: initial; background-origin: initial; background-position: initial; background-repeat: initial; background-size: initial;"><span class="y2iqfc"><span lang="HI" style="color: #202124; font-family: Mangal, "serif";"><pre style="background-attachment: initial; background-clip: initial; background-image: initial; background-origin: initial; background-position: initial; background-repeat: initial; background-size: initial;"><span style="font-size: medium;"><span face=""Roboto Medium", "sans-serif"">*</span><span class="y2iqfc"><span lang="HI" style="font-family: Mangal, "serif";"> पैसे की चिंता किए बिना करियर चुनने की आजादी</span></span><span style="font-family: "inherit", "serif";"><o:p></o:p></span></span></pre><pre style="background-attachment: initial; background-clip: initial; background-image: initial; background-origin: initial; background-position: initial; background-repeat: initial; background-size: initial;"><span style="font-size: medium;"><span face=""Roboto Medium", "sans-serif"">*</span><span class="y2iqfc"><span lang="HI" style="font-family: Mangal, "serif";"> अपने बजट पर दबाव डाले बिना लगातार छुट्टियों पर जाने की स्वतंत्रता</span></span><span style="font-family: "inherit", "serif";"><o:p></o:p></span></span></pre><pre style="background-attachment: initial; background-clip: initial; background-image: initial; background-origin: initial; background-position: initial; background-repeat: initial; background-size: initial;"><span style="font-size: medium;"><span face=""Roboto Medium", "sans-serif"">*</span><span class="y2iqfc"><span lang="HI" style="font-family: Mangal, "serif";"> दूसरे लोगों की जरूरतों और चाहतों की देखभाल करने की स्वतंत्रता जिस तरह से आप चाहते हैं</span></span></span><span style="font-family: "inherit", "serif"; font-size: 9pt;"><o:p></o:p></span></pre></span></span></pre><pre style="background-attachment: initial; background-clip: initial; background-image: initial; background-origin: initial; background-position: initial; background-repeat: initial; background-size: initial;"><span class="y2iqfc"><span lang="HI" style="color: #202124; font-family: Mangal, "serif";"><span style="font-size: 9pt;">
</span><p class="Default" style="background-attachment: initial; background-clip: initial; background-image: initial; background-origin: initial; background-position: initial; background-repeat: initial; background-size: initial;"><span lang="HI" style="background: rgb(248, 249, 250);"><b><span style="font-size: x-large;">जल्दी रिटायर होने की आज़ादी</span></b></span><span color="windowtext" face=""Roboto Medium", "sans-serif"" style="font-size: 9pt;"><o:p></o:p></span></p><p class="Default" style="background-attachment: initial; background-clip: initial; background-image: initial; background-origin: initial; background-position: initial; background-repeat: initial; background-size: initial;"><span lang="HI" style="background: rgb(248, 249, 250);"><b><span style="font-size: x-large;"><br /></span></b></span></p><p class="Default" style="background-attachment: initial; background-clip: initial; background-image: initial; background-origin: initial; background-position: initial; background-repeat: initial; background-size: initial;"><span lang="HI" style="background: rgb(248, 249, 250);"></span></p><pre style="background-attachment: initial; background-clip: initial; background-image: initial; background-origin: initial; background-position: initial; background-repeat: initial; background-size: initial;"><span style="font-size: medium;"><span class="y2iqfc"><span lang="HI" style="font-family: Mangal, "serif";">इमरजेंसी फंड रखें: इस यात्रा का दूसरा चरण है इमरजेंसी फंड। यह एक महत्वपूर्ण कदम है</span></span><span class="y2iqfc"><span style="font-family: "inherit", "serif";">, </span></span><span class="y2iqfc"><span lang="HI" style="font-family: Mangal, "serif";">क्योंकि यह आपको आपात स्थिति से निपटने में </span></span></span></pre><pre style="background-attachment: initial; background-clip: initial; background-image: initial; background-origin: initial; background-position: initial; background-repeat: initial; background-size: initial;"><span style="font-size: medium;"><span class="y2iqfc"><span lang="HI" style="font-family: Mangal, "serif";">मदद करेगा। कोई भी संकट की भविष्यवाणी नहीं कर सकता है और इसलिए हमेशा तैयार रहना बेहतर होता है। आपात स्थिति में नौकरी छूटना</span></span><span class="y2iqfc"><span style="font-family: "inherit", "serif";">,</span></span></span></pre><pre style="background-attachment: initial; background-clip: initial; background-image: initial; background-origin: initial; background-position: initial; background-repeat: initial; background-size: initial;"><span style="font-size: medium;"><span class="y2iqfc"><span style="font-family: "inherit", "serif";"> </span></span><span class="y2iqfc"><span lang="HI" style="font-family: Mangal, "serif";">कार की मरम्मत</span></span><span class="y2iqfc"><span style="font-family: "inherit", "serif";">, </span></span><span class="y2iqfc"><span lang="HI" style="font-family: Mangal, "serif";">घर की मरम्मत आदि शामिल हो सकते हैं। आपातकालीन राशि के बिना</span></span><span class="y2iqfc"><span style="font-family: "inherit", "serif";">, </span></span><span class="y2iqfc"><span lang="HI" style="font-family: Mangal, "serif";">आपको अपनी बचत में डुबकी लगानी पड़ सकती है</span></span><span class="y2iqfc"><span style="font-family: "inherit", "serif";">,</span></span></span></pre><pre style="background-attachment: initial; background-clip: initial; background-image: initial; background-origin: initial; background-position: initial; background-repeat: initial; background-size: initial;"><span style="font-size: medium;"><span class="y2iqfc"><span style="font-family: "inherit", "serif";"> </span></span><span class="y2iqfc"><span lang="HI" style="font-family: Mangal, "serif";">जिससे आपके लक्ष्यों पर प्रतिकूल प्रभाव पड़ सकता है। या इससे भी बदतर</span></span><span class="y2iqfc"><span style="font-family: "inherit", "serif";">, </span></span><span class="y2iqfc"><span lang="HI" style="font-family: Mangal, "serif";">ऋण ले लो।</span></span><span style="font-family: "inherit", "serif";"><o:p></o:p></span></span></pre><pre style="background-attachment: initial; background-clip: initial; background-image: initial; background-origin: initial; background-position: initial; background-repeat: initial; background-size: initial;"><span class="y2iqfc"><span lang="HI" style="font-family: Mangal, "serif";"><pre style="background-attachment: initial; background-clip: initial; background-image: initial; background-origin: initial; background-position: initial; background-repeat: initial; background-size: initial;"><span style="font-size: medium;"><span class="y2iqfc"><span lang="HI" style="font-family: Mangal, "serif";">इसलिए</span></span><span class="y2iqfc"><span style="font-family: "inherit", "serif";">, </span></span><span class="y2iqfc"><span lang="HI" style="font-family: Mangal, "serif";">किसी को 3 से 6 महीने के खर्च के साथ एक आपातकालीन कोष की आवश्यकता होती है। इमर्जेंसी फंड में निवेश करने का सबसे अच्छा </span></span></span></pre><pre style="background-attachment: initial; background-clip: initial; background-image: initial; background-origin: initial; background-position: initial; background-repeat: initial; background-size: initial;"><span style="font-size: medium;"><span class="y2iqfc"><span lang="HI" style="font-family: Mangal, "serif";">तरीका लिक्विड फंड है। एक अलग खाते को अपनी दृष्टि से दूर रखना महत्वपूर्ण है ताकि आप इसका उपयोग करने के लिए ललचाएं नहीं।</span></span><span style="font-family: "inherit", "serif";"><o:p></o:p></span></span></pre><pre style="background-attachment: initial; background-clip: initial; background-image: initial; background-origin: initial; background-position: initial; background-repeat: initial; background-size: initial;"><span class="y2iqfc"><span lang="HI" style="font-family: Mangal, "serif";"><span style="font-size: x-large;"><b><br /></b></span></span></span></pre><pre style="background-attachment: initial; background-clip: initial; background-image: initial; background-origin: initial; background-position: initial; background-repeat: initial; background-size: initial;"><span class="y2iqfc"><span lang="HI" style="font-family: Mangal, "serif";"><span style="font-size: x-large;"><b>बजट</b></span></span></span></pre><pre style="background-attachment: initial; background-clip: initial; background-image: initial; background-origin: initial; background-position: initial; background-repeat: initial; background-size: initial;"><span class="y2iqfc"><span lang="HI" style="font-family: Mangal, "serif";"><span style="font-size: x-large;"><b><br /></b></span></span></span></pre><pre style="background-attachment: initial; background-clip: initial; background-image: initial; background-origin: initial; background-position: initial; background-repeat: initial; background-size: initial;"><pre style="background-attachment: initial; background-clip: initial; background-image: initial; background-origin: initial; background-position: initial; background-repeat: initial; background-size: initial;"><span class="y2iqfc"><span lang="HI" style="font-family: Mangal, "serif";"><span style="font-size: medium;">बजट होना एक महत्वपूर्ण हिस्सा है। और यह एक ऐसा कदम है जिसके लिए परीक्षण और त्रुटि की आवश्यकता होती है। एक सरल लेकिन प्रभावी </span></span></span></pre><pre style="background-attachment: initial; background-clip: initial; background-image: initial; background-origin: initial; background-position: initial; background-repeat: initial; background-size: initial;"><span style="font-size: medium;"><span class="y2iqfc"><span lang="HI" style="font-family: Mangal, "serif";">अंगूठा नियम 50-30-20 नियम है। इस अंगूठे के नियम के अनुसार</span></span><span class="y2iqfc"><span style="font-family: "inherit", "serif";">, </span></span><span class="y2iqfc"><span lang="HI" style="font-family: Mangal, "serif";">आप अपनी आय का 50% जरूरतों के लिए</span></span><span class="y2iqfc"><span style="font-family: "inherit", "serif";">, </span></span><span class="y2iqfc"><span lang="HI" style="font-family: Mangal, "serif";">30% जरूरतों के लिए आवंटित </span></span></span></pre><pre style="background-attachment: initial; background-clip: initial; background-image: initial; background-origin: initial; background-position: initial; background-repeat: initial; background-size: initial;"><span style="font-size: medium;"><span class="y2iqfc"><span lang="HI" style="font-family: Mangal, "serif";">कर सकते हैं और बाकी 20% बचा सकते हैं। आप इसे अपनी सुविधा के अनुसार ट्वीक भी कर सकते हैं। हालांकि</span></span><span class="y2iqfc"><span style="font-family: "inherit", "serif";">, </span></span><span class="y2iqfc"><span lang="HI" style="font-family: Mangal, "serif";">बजट में निवेश और बचत </span></span></span></pre><pre style="background-attachment: initial; background-clip: initial; background-image: initial; background-origin: initial; background-position: initial; background-repeat: initial; background-size: initial;"><span style="font-size: medium;"><span class="y2iqfc"><span lang="HI" style="font-family: Mangal, "serif";">का अधिक आवंटन करना बेहतर है।</span></span><span style="font-family: "inherit", "serif";"><o:p></o:p></span></span></pre><pre style="background-attachment: initial; background-clip: initial; background-image: initial; background-origin: initial; background-position: initial; background-repeat: initial; background-size: initial;"><span style="font-size: medium;"><span class="y2iqfc"><span lang="HI" style="font-family: Mangal, "serif";">दूसरे</span></span><span class="y2iqfc"><span style="font-family: "inherit", "serif";">, </span></span><span class="y2iqfc"><span lang="HI" style="font-family: Mangal, "serif";">आप पिछले छह महीनों के आधार पर अपने मासिक खर्चों की पहचान भी कर सकते हैं। बाद में अपने खर्चों को जरूरी</span></span><span class="y2iqfc"><span style="font-family: "inherit", "serif";">, </span></span><span class="y2iqfc"><span lang="HI" style="font-family: Mangal, "serif";">गैर जरूरी और </span></span></span></pre><pre style="background-attachment: initial; background-clip: initial; background-image: initial; background-origin: initial; background-position: initial; background-repeat: initial; background-size: initial;"><span class="y2iqfc"><span lang="HI" style="font-family: Mangal, "serif"; font-size: medium;">कबाड़ में बांट लें। प्राथमिकताओं के लिए इस सूची का उपयोग करें और जो भी संभव हो कटौती करें। आप अपने खर्चों को ट्रैक करने के लिए </span></span></pre><pre style="background-attachment: initial; background-clip: initial; background-image: initial; background-origin: initial; background-position: initial; background-repeat: initial; background-size: initial;"><span style="font-size: medium;"><span class="y2iqfc"><span lang="HI" style="font-family: Mangal, "serif";">बजट ऐप्स का भी उपयोग कर सकते हैं। साथ ही</span></span><span class="y2iqfc"><span style="font-family: "inherit", "serif";">, </span></span></span><span class="y2iqfc"><span lang="HI" style="font-family: Mangal, "serif"; font-size: medium;">परिवार के प्रत्येक सदस्य को बजट के संबंध में अपनी चिंताओं को साझा करने के लिए आमंत्रित करें</span><span lang="HI" style="font-family: Mangal, "serif"; font-size: 9pt;">।</span></span><span style="font-family: "inherit", "serif"; font-size: 9pt;"><o:p></o:p></span></pre><pre style="background-attachment: initial; background-clip: initial; background-image: initial; background-origin: initial; background-position: initial; background-repeat: initial; background-size: initial;"><span class="y2iqfc"><span lang="HI" style="font-family: Mangal, "serif"; font-size: x-large;"><b><br /></b></span></span></pre><pre style="background-attachment: initial; background-clip: initial; background-image: initial; background-origin: initial; background-position: initial; background-repeat: initial; background-size: initial;"><span class="y2iqfc"><span lang="HI" style="font-family: Mangal, "serif"; font-size: x-large;"><b>पहले खुद भुगतान करें</b></span></span></pre><pre style="background-attachment: initial; background-clip: initial; background-image: initial; background-origin: initial; background-position: initial; background-repeat: initial; background-size: initial;"><span class="y2iqfc"><span lang="HI" style="font-family: Mangal, "serif"; font-size: x-large;"><b><br /></b></span></span></pre></pre></span></span></pre><pre style="background-attachment: initial; background-clip: initial; background-image: initial; background-origin: initial; background-position: initial; background-repeat: initial; background-size: initial;"><span style="font-size: medium;"><span class="y2iqfc"><span lang="HI" style="font-family: Mangal, "serif";">यदि आप वित्तीय ब्लॉग और किताबें पढ़ते हैं</span></span><span class="y2iqfc"><span style="font-family: "inherit", "serif";">, </span></span><span class="y2iqfc"><span lang="HI" style="font-family: Mangal, "serif";">तो आपको पहले स्वयं भुगतान करने की अवधारणा का पता चला होगा। वेतन मिलने से पहले </span></span></span></pre><pre style="background-attachment: initial; background-clip: initial; background-image: initial; background-origin: initial; background-position: initial; background-repeat: initial; background-size: initial;"><span style="font-size: medium;"><span class="y2iqfc"><span lang="HI" style="font-family: Mangal, "serif";">ही हम में से कई लोग इसे खर्च करने के तरीके की योजना बनाना शुरू कर देते हैं। यदि आप मुक्त होना चाहते हैं</span></span><span class="y2iqfc"><span style="font-family: "inherit", "serif";">, </span></span><span class="y2iqfc"><span lang="HI" style="font-family: Mangal, "serif";">तो आपको पहले स्वयं भुगतान </span></span></span></pre><pre style="background-attachment: initial; background-clip: initial; background-image: initial; background-origin: initial; background-position: initial; background-repeat: initial; background-size: initial;"><span class="y2iqfc"><span lang="HI" style="font-family: Mangal, "serif"; font-size: medium;">करने पर विचार करना चाहिए। इससे हमारा तात्पर्य यह है कि आपको निवेश के लिए एक निश्चित राशि निर्धारित करनी चाहिए। आप अपने </span></span></pre><pre style="background-attachment: initial; background-clip: initial; background-image: initial; background-origin: initial; background-position: initial; background-repeat: initial; background-size: initial;"><span style="font-size: medium;"><span class="y2iqfc"><span lang="HI" style="font-family: Mangal, "serif";">निवेश को स्वचालित भी कर सकते हैं। एक व्यवस्थित निवेश योजना (एसआईपी) स्थापित करें</span></span><span class="y2iqfc"><span style="font-family: "inherit", "serif";">, </span></span><span class="y2iqfc"><span lang="HI" style="font-family: Mangal, "serif";">और आप अपने पैसे को समय के साथ बढ़ते हुए </span></span></span></pre><pre style="background-attachment: initial; background-clip: initial; background-image: initial; background-origin: initial; background-position: initial; background-repeat: initial; background-size: initial;"><span style="font-size: medium;"><span class="y2iqfc"><span lang="HI" style="font-family: Mangal, "serif";">देख सकते हैं।</span></span><span class="y2iqfc"><span lang="HI"><o:p></o:p></span></span></span></pre><pre style="background-attachment: initial; background-clip: initial; background-image: initial; background-origin: initial; background-position: initial; background-repeat: initial; background-size: initial;"><span style="font-size: medium;"><span class="y2iqfc"><span lang="HI" style="font-family: Mangal, "serif";">अपने आप को भुगतान करने का एक और तरीका है किताबें पढ़ने</span></span><span class="y2iqfc"><span style="font-family: "inherit", "serif";">, </span></span><span class="y2iqfc"><span lang="HI" style="font-family: Mangal, "serif";">कार्यशालाओं में जाने आदि के माध्यम से खुद में निवेश करना। इससे आपको </span></span></span></pre><pre style="background-attachment: initial; background-clip: initial; background-image: initial; background-origin: initial; background-position: initial; background-repeat: initial; background-size: initial;"><span class="y2iqfc"><span lang="HI" style="font-family: Mangal, "serif"; font-size: medium;">अपनी कमाई की क्षमता बढ़ाने और आय का दूसरा स्रोत बनाने में मदद मिलेगी।</span></span></pre><pre style="background-attachment: initial; background-clip: initial; background-image: initial; background-origin: initial; background-position: initial; background-repeat: initial; background-size: initial;"><span class="y2iqfc"><span lang="HI" style="font-family: Mangal, "serif"; font-size: medium;"><br /></span></span></pre><span style="font-size: x-large;"><b>कर्ज को कहें अलविदा</b></span></span></span></pre><pre style="background-attachment: initial; background-clip: initial; background-image: initial; background-origin: initial; background-position: initial; background-repeat: initial; background-size: initial;"><span class="y2iqfc"><span lang="HI" style="color: #202124; font-family: Mangal, "serif";"><span style="font-size: x-large;"><b><br /></b></span></span></span></pre><pre style="background-attachment: initial; background-clip: initial; background-image: initial; background-origin: initial; background-position: initial; background-repeat: initial; background-size: initial;"><span class="y2iqfc"><span lang="HI" style="color: #202124; font-family: Mangal, "serif";"><pre style="background-attachment: initial; background-clip: initial; background-image: initial; background-origin: initial; background-position: initial; background-repeat: initial; background-size: initial;"><span style="font-size: medium;"><span class="y2iqfc"><span lang="HI" style="font-family: Mangal, "serif";">जबकि लोग कर्ज को अच्छे या बुरे में अलग करना पसंद करते हैं</span></span><span class="y2iqfc"><span style="font-family: "inherit", "serif";">, </span></span><span class="y2iqfc"><span lang="HI" style="font-family: Mangal, "serif";">कर्ज के बारे में कुछ भी अच्छा नहीं है। हानिकारक ऋण और कम हानिकारक </span></span></span></pre><pre style="background-attachment: initial; background-clip: initial; background-image: initial; background-origin: initial; background-position: initial; background-repeat: initial; background-size: initial;"><span style="font-size: medium;"><span class="y2iqfc"><span lang="HI" style="font-family: Mangal, "serif";">ऋण हैं। कर्ज लेना वित्तीय स्वतंत्रता में सबसे महत्वपूर्ण बाधाओं में से एक है। यदि आपके पास कई ऋण हैं</span></span><span class="y2iqfc"><span style="font-family: "inherit", "serif";">, </span></span><span class="y2iqfc"><span lang="HI" style="font-family: Mangal, "serif";">तो उन ऋणों को कम करने पर विचार</span></span></span></pre><pre style="background-attachment: initial; background-clip: initial; background-image: initial; background-origin: initial; background-position: initial; background-repeat: initial; background-size: initial;"><span style="font-size: medium;"><span class="y2iqfc"><span lang="HI" style="font-family: Mangal, "serif";">करें जिन पर कर लाभ नहीं है। नहीं तो सबसे छोटे मूलधन से कर्ज चुकाने पर विचार करें। एक बार जब आप सबसे छोटा ऋण चुका सकते हैं</span></span><span class="y2iqfc"><span style="font-family: "inherit", "serif";">, </span></span></span></pre><pre style="background-attachment: initial; background-clip: initial; background-image: initial; background-origin: initial; background-position: initial; background-repeat: initial; background-size: initial;"><span style="font-size: medium;"><span class="y2iqfc"><span lang="HI" style="font-family: Mangal, "serif";">तो आपसे अपने अन्य ऋणों को चुकाने के लिए अधिक शुल्क लिया जाएगा। </span></span>एक वित्तीय सलाहकार प्राप्त करें</span></pre><pre style="background-attachment: initial; background-clip: initial; background-image: initial; background-origin: initial; background-position: initial; background-repeat: initial; background-size: initial;"><pre style="background-attachment: initial; background-clip: initial; background-image: initial; background-origin: initial; background-position: initial; background-repeat: initial; background-size: initial;"><span><span class="y2iqfc"><span lang="HI" style="font-family: Mangal, "serif";"><pre style="background-attachment: initial; background-clip: initial; background-image: initial; background-origin: initial; background-position: initial; background-repeat: initial; background-size: initial;"><span class="y2iqfc"><span lang="HI" style="font-family: Mangal, "serif";"><b><span style="font-size: x-large;"><br /></span></b></span></span></pre><pre style="background-attachment: initial; background-clip: initial; background-image: initial; background-origin: initial; background-position: initial; background-repeat: initial; background-size: initial;"><span class="y2iqfc"><span lang="HI" style="font-family: Mangal, "serif";"><b><span style="font-size: x-large;">एक वित्तीय सलाहकार प्राप्त करें</span></b></span></span><span class="y2iqfc" style="font-size: large;"><span style="font-family: "inherit", "serif"; font-size: 9pt;"><o:p></o:p></span></span></pre><pre style="background-attachment: initial; background-clip: initial; background-image: initial; background-origin: initial; background-position: initial; background-repeat: initial; background-size: initial;"><span class="y2iqfc"><span lang="HI" style="font-family: Mangal, "serif";"><b><span style="font-size: x-large;"><br /></span></b></span></span></pre></span></span></span></pre><pre style="background-attachment: initial; background-clip: initial; background-image: initial; background-origin: initial; background-position: initial; background-repeat: initial; background-size: initial;"><span style="font-size: medium;"><span class="y2iqfc"><span lang="HI" style="font-family: Mangal, "serif";">अंतिम लेकिन कम से कम</span></span><span class="y2iqfc"><span style="font-family: "inherit", "serif";">, </span></span><span class="y2iqfc"><span lang="HI" style="font-family: Mangal, "serif";">वित्तीय सलाहकार होने से आपको वित्तीय स्वतंत्रता की इस यात्रा में बहुत मदद मिल सकती है। वित्त के बारे में आपको </span></span></span></pre><pre style="background-attachment: initial; background-clip: initial; background-image: initial; background-origin: initial; background-position: initial; background-repeat: initial; background-size: initial;"><span style="font-size: medium;"><span class="y2iqfc"><span lang="HI" style="font-family: Mangal, "serif";">जो कुछ भी जानने की जरूरत है वह सब कुछ ऑनलाइन उपलब्ध है। लेकिन</span></span><span class="y2iqfc"><span style="font-family: "inherit", "serif";">, </span></span><span class="y2iqfc"><span lang="HI" style="font-family: Mangal, "serif";">क्या आप यह सुनिश्चित कर सकते हैं कि बाजार में गिरावट आने पर </span></span></span></pre><pre style="background-attachment: initial; background-clip: initial; background-image: initial; background-origin: initial; background-position: initial; background-repeat: initial; background-size: initial;"><span class="y2iqfc"><span lang="HI" style="font-family: Mangal, "serif";"><span style="font-size: medium;">भी आप अनुशासित रहेंगे या जब आप जल्दी सेवानिवृत्ति पर ध्यान केंद्रित करने के बजाय अपने पड़ोसी को दिखाने के लिए एक महंगी कार खरीदने </span></span></span></pre><pre style="background-attachment: initial; background-clip: initial; background-image: initial; background-origin: initial; background-position: initial; background-repeat: initial; background-size: initial;"><span style="font-size: medium;"><span class="y2iqfc"><span lang="HI" style="font-family: Mangal, "serif";">के लिए ललचाएंगे</span></span><span class="y2iqfc"><span style="font-family: "inherit", "serif";">? </span></span><span class="y2iqfc"><span lang="HI" style="font-family: Mangal, "serif";">आइए इसका सामना करते हैं कि हमारी भावनाओं को नियंत्रित करना बहुत कठिन है। और इसलिए आपको एक वित्तीय सलाहकार </span></span></span></pre><pre style="background-attachment: initial; background-clip: initial; background-image: initial; background-origin: initial; background-position: initial; background-repeat: initial; background-size: initial;"><span class="y2iqfc"><span lang="HI" style="font-family: Mangal, "serif";"><span style="font-size: medium;">की आवश्यकता है।</span></span></span><span style="font-family: "inherit", "serif"; font-size: 9pt;"><o:p></o:p></span></pre><pre style="background-attachment: initial; background-clip: initial; background-image: initial; background-origin: initial; background-position: initial; background-repeat: initial; background-size: initial;"><span class="y2iqfc"><span lang="HI" style="font-family: Mangal, "serif";"><span style="font-size: medium;"> </span></span></span></pre><pre style="background-attachment: initial; background-clip: initial; background-image: initial; background-origin: initial; background-position: initial; background-repeat: initial; background-size: initial;"><span class="y2iqfc"><span lang="HI" style="font-family: Mangal, "serif";"><span style="font-size: medium;"><pre style="background-attachment: initial; background-clip: initial; background-image: initial; background-origin: initial; background-position: initial; background-repeat: initial; background-size: initial; color: black; mso-background-themecolor: background1;"><span style="font-size: medium;"> <img border="0" data-original-height="131" data-original-width="162" height="258" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEiD5tEs9VlzLi7r8lN8kE4wLamTJYpqOqyX17cxpdPR6dsqDtGvYbgLs04yukcniaVyfZ0dDX-Ut1ulpVoJydmd-qlHtNs2hR8D4tGRkhqMXKUh9teSCzSu1PFakQNDpnfBquV59PsmydG8P6yO4lRn8E860vtOJu6kdPlxFEK1FeqmXaF8miL53J0_/w320-h258/image%20(1).png" style="font-family: "Times New Roman"; white-space: normal;" width="320" /></span></pre></span></span></span></pre><pre style="background-attachment: initial; background-clip: initial; background-image: initial; background-origin: initial; background-position: initial; background-repeat: initial; background-size: initial;"><span class="y2iqfc"><span lang="HI" style="font-family: Mangal, "serif";"><span style="font-size: medium;"><p class="MsoNormal" style="color: black; font-family: "Times New Roman"; font-size: medium; line-height: normal; margin-bottom: 0cm; mso-layout-grid-align: none; text-autospace: none; white-space: normal;"><b style="text-align: center;"><span style="font-family: Mangal, "serif"; font-size: 10pt;"><span lang="HI"> </span></span></b><span style="background-color: #f8f9fa; text-align: center;"><b>AMFI Registered Mutual Fund Distributor </b></span></p><p class="MsoNormal" style="color: black; font-family: "Times New Roman"; font-size: medium; line-height: normal; margin-bottom: 0cm; mso-layout-grid-align: none; text-autospace: none; white-space: normal;"><b style="text-align: center;"><span lang="HI" style="font-family: Mangal, "serif"; font-size: 10pt;"> 6306522855</span></b></p><p class="MsoNormal" style="color: black; font-family: "Times New Roman"; font-size: medium; line-height: normal; margin-bottom: 0cm; mso-layout-grid-align: none; text-autospace: none; white-space: normal;"><b style="text-align: center;"><span style="font-family: "Times New Roman", "serif"; font-size: 10pt;"><span style="vertical-align: inherit;"><span style="vertical-align: inherit;"><span style="vertical-align: inherit;"><span style="vertical-align: inherit;"> Burlington, Lucknow, </span></span></span></span></span><span lang="HI" style="font-family: Mangal, "serif"; font-size: 10pt;"><span style="vertical-align: inherit;"><span style="vertical-align: inherit;"><span style="vertical-align: inherit;"><span style="vertical-align: inherit;">226001</span></span></span></span></span></b></p><p class="MsoNormal" style="color: black; font-family: "Times New Roman"; font-size: medium; line-height: normal; margin-bottom: 0cm; mso-layout-grid-align: none; text-autospace: none; white-space: normal;"><b style="font-family: "Times New Roman", "serif"; font-size: 10pt; text-align: center;"> customercare@vsix.co.in || www.vsix.co.in</b></p></span></span></span></pre><pre style="background-attachment: initial; background-clip: initial; background-image: initial; background-origin: initial; background-position: initial; background-repeat: initial; background-size: initial;"><span class="y2iqfc"><span lang="HI" style="font-family: Mangal, "serif";"><span style="font-size: medium;"><br /></span></span></span></pre><pre style="background-attachment: initial; background-clip: initial; background-image: initial; background-origin: initial; background-position: initial; background-repeat: initial; background-size: initial;"><span class="y2iqfc"><span lang="HI" style="font-family: Mangal, "serif";"><span style="font-size: medium;"><br /></span></span></span></pre><pre style="background-attachment: initial; background-clip: initial; background-image: initial; background-origin: initial; background-position: initial; background-repeat: initial; background-size: initial;"><span class="y2iqfc"><span lang="HI" style="font-family: Mangal, "serif"; font-size: 9pt;"><br /></span></span></pre>
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<p class="Default" style="background-attachment: initial; background-clip: initial; background-image: initial; background-origin: initial; background-position: initial; background-repeat: initial; background-size: initial;"><span color="windowtext" face=""Roboto Medium","sans-serif"" style="font-size: 9pt; mso-bidi-font-family: "Roboto Medium";"> </span></p>
</pre>V6 ARTHGYAN LLPhttp://www.blogger.com/profile/18128509813979049058noreply@blogger.com0tag:blogger.com,1999:blog-4746449159280106368.post-19245757074906947432022-08-31T21:36:00.000-07:002022-08-31T21:36:09.239-07:00<blockquote><blockquote><strike><strike></strike></strike></blockquote></blockquote><p> </p><p class="Default"><span color="windowtext" face=""Roboto","sans-serif"" style="font-size: 15pt; mso-bidi-font-family: Roboto;"> </span><span style="font-size: x-large;"><b><span color="windowtext" face="Roboto, "sans-serif""><span style="vertical-align: inherit;"><span style="vertical-align: inherit;"><span style="vertical-align: inherit;"><span style="vertical-align: inherit;"> Importance of </span></span></span></span></span><span color="windowtext"><span style="vertical-align: inherit;"><span style="vertical-align: inherit;"><span style="vertical-align: inherit;"><span style="vertical-align: inherit;">fi</span></span></span></span></span></b></span><span color="windowtext" face="Roboto, "sans-serif""><span style="font-size: x-large;"><b><span style="vertical-align: inherit;"><span style="vertical-align: inherit;"><span style="vertical-align: inherit;"><span style="vertical-align: inherit;">nancial
planning</span></span></span></span></b></span><span style="font-size: 15pt;"><o:p></o:p></span></span></p><p><br /></p><table align="center" cellpadding="0" cellspacing="0" class="tr-caption-container" style="margin-left: auto; margin-right: auto;"><tbody><tr><td style="text-align: center;"><a href="https://blogger.googleusercontent.com/img/a/AVvXsEgapoBZ9EIxLHWQf5WZgmhHJJZ82sybTeubmbEUeYCvH1ztc_v3KgcmbCZg0yCG0s54V7Vzy1uMmexwRcqVoTwrXiEUCcgXv1rU6KHON9FLBI44xkye8kLeLoeiVWpryor4JIWorihGyoBDf2lAxVzfSBee5qMVkd9E5mmjPumI-Oh7HYoHUqUAlHnY" style="margin-left: auto; margin-right: auto;"><img alt="" data-original-height="433" data-original-width="795" height="217" src="https://blogger.googleusercontent.com/img/a/AVvXsEgapoBZ9EIxLHWQf5WZgmhHJJZ82sybTeubmbEUeYCvH1ztc_v3KgcmbCZg0yCG0s54V7Vzy1uMmexwRcqVoTwrXiEUCcgXv1rU6KHON9FLBI44xkye8kLeLoeiVWpryor4JIWorihGyoBDf2lAxVzfSBee5qMVkd9E5mmjPumI-Oh7HYoHUqUAlHnY=w400-h217" width="400" /></a></td></tr><tr><td class="tr-caption" style="text-align: center;"></td></tr></tbody></table><br /><p></p><p class="Default"><b><span style="font-size: x-large;"><span color="windowtext" face=""Roboto Medium", "sans-serif""><span style="vertical-align: inherit;"><span style="vertical-align: inherit;"><span style="vertical-align: inherit;"><span style="vertical-align: inherit;"><span style="vertical-align: inherit;"><span style="vertical-align: inherit;">6 Bene</span></span></span></span></span></span></span><span color="windowtext"><span style="vertical-align: inherit;"><span style="vertical-align: inherit;"><span style="vertical-align: inherit;"><span style="vertical-align: inherit;"><span style="vertical-align: inherit;"><span style="vertical-align: inherit;">fi</span></span></span></span></span></span></span></span></b><span color="windowtext" face=""Roboto Medium", "sans-serif""><b><span style="font-size: x-large;"><span style="vertical-align: inherit;"><span style="vertical-align: inherit;"><span style="vertical-align: inherit;"><span style="vertical-align: inherit;"><span style="vertical-align: inherit;"><span style="vertical-align: inherit;">ts of Financial Planning</span></span></span></span></span></span></span></b><span style="font-size: 11pt;"><o:p></o:p></span></span></p><p class="Default"><span style="font-size: medium;"><span color="windowtext" face="Roboto, "sans-serif""><span style="vertical-align: inherit;"><span style="vertical-align: inherit;"><span style="vertical-align: inherit;"><span style="vertical-align: inherit;"><span style="vertical-align: inherit;"><span style="vertical-align: inherit;">What is the </span></span></span></span></span></span></span><span color="windowtext"><span style="vertical-align: inherit;"><span style="vertical-align: inherit;"><span style="vertical-align: inherit;"><span style="vertical-align: inherit;"><span style="vertical-align: inherit;"><span style="vertical-align: inherit;">fi</span></span></span></span></span></span></span><span color="windowtext" face="Roboto, "sans-serif""><span style="vertical-align: inherit;"><span style="vertical-align: inherit;"><span style="vertical-align: inherit;"><span style="vertical-align: inherit;"><span style="vertical-align: inherit;"><span style="vertical-align: inherit;">rst
thing that we do to accomplish our career goals and other goals? We
plan. Planning is the </span></span></span></span></span></span></span><span color="windowtext"><span style="vertical-align: inherit;"><span style="vertical-align: inherit;"><span style="vertical-align: inherit;"><span style="vertical-align: inherit;"><span style="vertical-align: inherit;"><span style="vertical-align: inherit;">fi</span></span></span></span></span></span></span><span color="windowtext" face="Roboto, "sans-serif""><span style="vertical-align: inherit;"><span style="vertical-align: inherit;"><span style="vertical-align: inherit;"><span style="vertical-align: inherit;"><span style="vertical-align: inherit;"><span style="vertical-align: inherit;">rst step toward ful</span></span></span></span></span></span></span><span color="windowtext"><span style="vertical-align: inherit;"><span style="vertical-align: inherit;"><span style="vertical-align: inherit;"><span style="vertical-align: inherit;"><span style="vertical-align: inherit;"><span style="vertical-align: inherit;">fi</span></span></span></span></span></span></span><span color="windowtext" face="Roboto, "sans-serif""><span style="vertical-align: inherit;"><span style="vertical-align: inherit;"><span style="vertical-align: inherit;"><span style="vertical-align: inherit;"><span style="vertical-align: inherit;"><span style="vertical-align: inherit;">lling our
goals. Similar is the case with our </span></span></span></span></span></span></span><span color="windowtext"><span style="vertical-align: inherit;"><span style="vertical-align: inherit;"><span style="vertical-align: inherit;"><span style="vertical-align: inherit;"><span style="vertical-align: inherit;"><span style="vertical-align: inherit;">fi</span></span></span></span></span></span></span><span color="windowtext" face="Roboto, "sans-serif""><span style="vertical-align: inherit;"><span style="vertical-align: inherit;"><span style="vertical-align: inherit;"><span style="vertical-align: inherit;"><span style="vertical-align: inherit;"><span style="vertical-align: inherit;">nances and financial goals.
Financial goals are the goals you hope to achieve and money plays an
integral part. </span></span></span></span></span></span><o:p></o:p></span></span></p><p class="Default"><span style="font-size: medium;"><span color="windowtext" face="Roboto, "sans-serif""><span style="vertical-align: inherit;"><span style="vertical-align: inherit;"><span style="vertical-align: inherit;"><span style="vertical-align: inherit;"><span style="vertical-align: inherit;"><span style="vertical-align: inherit;">Proper </span></span></span></span></span></span></span><span color="windowtext"><span style="vertical-align: inherit;"><span style="vertical-align: inherit;"><span style="vertical-align: inherit;"><span style="vertical-align: inherit;"><span style="vertical-align: inherit;"><span style="vertical-align: inherit;">fi</span></span></span></span></span></span></span><span color="windowtext" face="Roboto, "sans-serif""><span style="vertical-align: inherit;"><span style="vertical-align: inherit;"><span style="vertical-align: inherit;"><span style="vertical-align: inherit;"><span style="vertical-align: inherit;"><span style="vertical-align: inherit;">nancial
planning will help you achieve these goals. Financial planning is a
step-by-step process to fulfilling</span></span></span></span></span></span></span><span color="windowtext" face="Roboto, "sans-serif""><span style="vertical-align: inherit;"><span style="vertical-align: inherit;"><span style="vertical-align: inherit;"><span style="vertical-align: inherit;"><span style="vertical-align: inherit;"><span style="vertical-align: inherit;"> various </span></span></span></span></span></span></span><span color="windowtext"><span style="vertical-align: inherit;"><span style="vertical-align: inherit;"><span style="vertical-align: inherit;"><span style="vertical-align: inherit;"><span style="vertical-align: inherit;"><span style="vertical-align: inherit;">fi</span></span></span></span></span></span></span><span color="windowtext" face="Roboto, "sans-serif""><span style="vertical-align: inherit;"><span style="vertical-align: inherit;"><span style="vertical-align: inherit;"><span style="vertical-align: inherit;"><span style="vertical-align: inherit;"><span style="vertical-align: inherit;">nancial goals. Just like any
other plan, a </span></span></span></span></span></span></span><span color="windowtext"><span style="vertical-align: inherit;"><span style="vertical-align: inherit;"><span style="vertical-align: inherit;"><span style="vertical-align: inherit;"><span style="vertical-align: inherit;"><span style="vertical-align: inherit;">fi</span></span></span></span></span></span></span><span color="windowtext" face="Roboto, "sans-serif""><span style="vertical-align: inherit;"><span style="vertical-align: inherit;"><span style="vertical-align: inherit;"><span style="vertical-align: inherit;"><span style="vertical-align: inherit;"><span style="vertical-align: inherit;">nancial plan acts as a guide to navigate the various </span></span></span></span></span></span></span><span color="windowtext"><span style="vertical-align: inherit;"><span style="vertical-align: inherit;"><span style="vertical-align: inherit;"><span style="vertical-align: inherit;"><span style="vertical-align: inherit;"><span style="vertical-align: inherit;">fi</span></span></span></span></span></span></span><span color="windowtext" face="Roboto, "sans-serif""><span style="vertical-align: inherit;"><span style="vertical-align: inherit;"><span style="vertical-align: inherit;"><span style="vertical-align: inherit;"><span style="vertical-align: inherit;"><span style="vertical-align: inherit;">nancial
aspects of your life.</span></span></span></span></span></span><o:p></o:p></span></span></p><p class="Default"><span style="font-size: medium;"><span color="windowtext" face="Roboto, "sans-serif""><span style="vertical-align: inherit;"><span style="vertical-align: inherit;"><span style="vertical-align: inherit;"><span style="vertical-align: inherit;"><span style="vertical-align: inherit;"><span style="vertical-align: inherit;">Let us take an example. If you
want to plan your child’s education and the current cost of the course is Rs.20
lakh. If your child’s education is </span></span></span></span></span></span></span><span color="windowtext"><span style="vertical-align: inherit;"><span style="vertical-align: inherit;"><span style="vertical-align: inherit;"><span style="vertical-align: inherit;"><span style="vertical-align: inherit;"><span style="vertical-align: inherit;">fi</span></span></span></span></span></span></span><span color="windowtext" face="Roboto, "sans-serif""><span style="vertical-align: inherit;"><span style="vertical-align: inherit;"><span style="vertical-align: inherit;"><span style="vertical-align: inherit;"><span style="vertical-align: inherit;"><span style="vertical-align: inherit;">ve years away, you may have to
accumulate more than Rs.20 lakhs, say Rs. 25 lakhs. Financial planning will
provide a step-to-step process to save up money to fulfill</span></span></span></span></span></span></span></span><span color="windowtext" face="Roboto, "sans-serif""><span style="font-size: medium;"><span style="vertical-align: inherit;"><span style="vertical-align: inherit;"><span style="vertical-align: inherit;"><span style="vertical-align: inherit;"><span style="vertical-align: inherit;"><span style="vertical-align: inherit;"> your child’s dream education while covering other important aspects of your finances. </span></span></span></span></span></span></span><span style="font-size: 11pt;"><o:p></o:p></span></span></p><p class="Default"><b><span style="font-size: large;"><span color="windowtext" face=""Roboto Medium", "sans-serif""><span style="vertical-align: inherit;"><span style="vertical-align: inherit;"><span style="vertical-align: inherit;"><span style="vertical-align: inherit;"><span style="vertical-align: inherit;"><span style="vertical-align: inherit;">Bene</span></span></span></span></span></span></span><span color="windowtext"><span style="vertical-align: inherit;"><span style="vertical-align: inherit;"><span style="vertical-align: inherit;"><span style="vertical-align: inherit;"><span style="vertical-align: inherit;"><span style="vertical-align: inherit;">fi</span></span></span></span></span></span></span><span color="windowtext" face=""Roboto Medium", "sans-serif""><span style="vertical-align: inherit;"><span style="vertical-align: inherit;"><span style="vertical-align: inherit;"><span style="vertical-align: inherit;"><span style="vertical-align: inherit;"><span style="vertical-align: inherit;">ts of </span></span></span></span></span></span></span><span color="windowtext"><span style="vertical-align: inherit;"><span style="vertical-align: inherit;"><span style="vertical-align: inherit;"><span style="vertical-align: inherit;"><span style="vertical-align: inherit;"><span style="vertical-align: inherit;">fi</span></span></span></span></span></span></span></span></b><span color="windowtext" face=""Roboto Medium", "sans-serif""><b><span style="font-size: large;"><span style="vertical-align: inherit;"><span style="vertical-align: inherit;"><span style="vertical-align: inherit;"><span style="vertical-align: inherit;"><span style="vertical-align: inherit;"><span style="vertical-align: inherit;">nancial planning</span></span></span></span></span></span></span></b><span style="font-size: 11pt;"><o:p></o:p></span></span></p><p class="Default"><span style="font-size: medium;"><span color="windowtext" face="Roboto, "sans-serif""><span style="vertical-align: inherit;"><span style="vertical-align: inherit;"><span style="vertical-align: inherit;"><span style="vertical-align: inherit;"><span style="vertical-align: inherit;"><span style="vertical-align: inherit;">There are many bene</span></span></span></span></span></span></span><span color="windowtext"><span style="vertical-align: inherit;"><span style="vertical-align: inherit;"><span style="vertical-align: inherit;"><span style="vertical-align: inherit;"><span style="vertical-align: inherit;"><span style="vertical-align: inherit;">fi</span></span></span></span></span></span></span><span color="windowtext" face="Roboto, "sans-serif""><span style="vertical-align: inherit;"><span style="vertical-align: inherit;"><span style="vertical-align: inherit;"><span style="vertical-align: inherit;"><span style="vertical-align: inherit;"><span style="vertical-align: inherit;">ts
of </span></span></span></span></span></span></span><span color="windowtext"><span style="vertical-align: inherit;"><span style="vertical-align: inherit;"><span style="vertical-align: inherit;"><span style="vertical-align: inherit;"><span style="vertical-align: inherit;"><span style="vertical-align: inherit;">fi</span></span></span></span></span></span></span></span><span color="windowtext" face="Roboto, "sans-serif""><span style="font-size: medium;"><span style="vertical-align: inherit;"><span style="vertical-align: inherit;"><span style="vertical-align: inherit;"><span style="vertical-align: inherit;"><span style="vertical-align: inherit;"><span style="vertical-align: inherit;">nancial planning. Financial planning will help you to:</span></span></span></span></span></span></span><span style="font-size: 11pt;"><o:p></o:p></span></span></p><p class="Default"><span color="windowtext" face=""Roboto Medium", "sans-serif""><b><span style="font-size: x-large;"><span style="vertical-align: inherit;"><span style="vertical-align: inherit;"><span style="vertical-align: inherit;"><span style="vertical-align: inherit;"><span style="vertical-align: inherit;"><span style="vertical-align: inherit;">1. Streamline your
savings and expenses</span></span></span></span></span></span></span></b><span style="font-size: 11pt;"><o:p></o:p></span></span></p><p class="Default"><span style="font-size: medium;"><span color="windowtext" face="Roboto, "sans-serif""><span style="vertical-align: inherit;"><span style="vertical-align: inherit;"><span style="vertical-align: inherit;"><span style="vertical-align: inherit;"><span style="vertical-align: inherit;"><span style="vertical-align: inherit;">Creating a </span></span></span></span></span></span></span><span color="windowtext"><span style="vertical-align: inherit;"><span style="vertical-align: inherit;"><span style="vertical-align: inherit;"><span style="vertical-align: inherit;"><span style="vertical-align: inherit;"><span style="vertical-align: inherit;">fi</span></span></span></span></span></span></span><span color="windowtext" face="Roboto, "sans-serif""><span style="vertical-align: inherit;"><span style="vertical-align: inherit;"><span style="vertical-align: inherit;"><span style="vertical-align: inherit;"><span style="vertical-align: inherit;"><span style="vertical-align: inherit;">nancial
plan will give insights into your income and expenses. While we have a
fair idea of our income, most of us have trouble </span></span></span></span></span></span></span><span color="windowtext"><span style="vertical-align: inherit;"><span style="vertical-align: inherit;"><span style="vertical-align: inherit;"><span style="vertical-align: inherit;"><span style="vertical-align: inherit;"><span style="vertical-align: inherit;">fi</span></span></span></span></span></span></span><span color="windowtext" face="Roboto, "sans-serif""><span style="vertical-align: inherit;"><span style="vertical-align: inherit;"><span style="vertical-align: inherit;"><span style="vertical-align: inherit;"><span style="vertical-align: inherit;"><span style="vertical-align: inherit;">guring out
our expenses. When you check your expenses, you can </span></span></span></span></span></span></span><span color="windowtext"><span style="vertical-align: inherit;"><span style="vertical-align: inherit;"><span style="vertical-align: inherit;"><span style="vertical-align: inherit;"><span style="vertical-align: inherit;"><span style="vertical-align: inherit;">fi</span></span></span></span></span></span></span></span><span color="windowtext" face="Roboto, "sans-serif""><span style="font-size: medium;"><span style="vertical-align: inherit;"><span style="vertical-align: inherit;"><span style="vertical-align: inherit;"><span style="vertical-align: inherit;"><span style="vertical-align: inherit;"><span style="vertical-align: inherit;">nd
out ways to cut down your costs and save more. In this way, you would spend money consciously and take a disciplined approach towards your money.</span></span></span></span></span></span></span><span style="font-size: 11pt;"><o:p></o:p></span></span></p><p class="Default"><span color="windowtext" face=""Roboto Medium", "sans-serif""><b><span style="font-size: x-large;"><span style="vertical-align: inherit;"><span style="vertical-align: inherit;"><span style="vertical-align: inherit;"><span style="vertical-align: inherit;"><span style="vertical-align: inherit;"><span style="vertical-align: inherit;">2. Prepare for
emergencies</span></span></span></span></span></span></span></b></span></p><p class="Default"><span style="font-size: medium;"><span color="windowtext" face="Roboto, "sans-serif""><span style="vertical-align: inherit;"><span style="vertical-align: inherit;"><span style="vertical-align: inherit;"><span style="vertical-align: inherit;"><span style="vertical-align: inherit;"><span style="vertical-align: inherit;">Emergencies come unannounced.
Creating an emergency fund is one of the </span></span></span></span></span></span></span><span color="windowtext"><span style="vertical-align: inherit;"><span style="vertical-align: inherit;"><span style="vertical-align: inherit;"><span style="vertical-align: inherit;"><span style="vertical-align: inherit;"><span style="vertical-align: inherit;">fi</span></span></span></span></span></span></span><span color="windowtext" face="Roboto, "sans-serif""><span style="vertical-align: inherit;"><span style="vertical-align: inherit;"><span style="vertical-align: inherit;"><span style="vertical-align: inherit;"><span style="vertical-align: inherit;"><span style="vertical-align: inherit;">rst steps of </span></span></span></span></span></span></span><span color="windowtext"><span style="vertical-align: inherit;"><span style="vertical-align: inherit;"><span style="vertical-align: inherit;"><span style="vertical-align: inherit;"><span style="vertical-align: inherit;"><span style="vertical-align: inherit;">financial planning</span></span></span></span></span></span></span></span><span color="windowtext" face="Roboto, "sans-serif""><span style="font-size: medium;"><span style="vertical-align: inherit;"><span style="vertical-align: inherit;"><span style="vertical-align: inherit;"><span style="vertical-align: inherit;"><span style="vertical-align: inherit;"><span style="vertical-align: inherit;">.
An emergency fund with at least 6 months of expenses can help you tide over emergency situations such as job loss, urgent car or home repair, and accidents. An
emergency fund will also help to keep your savings earmarked for other goals
safe.</span></span></span></span></span></span></span><span style="font-size: 11pt;"><o:p></o:p></span></span></p><p class="Default"><span color="windowtext" face=""Roboto Medium", "sans-serif""><span style="font-size: x-large;"><b><span style="vertical-align: inherit;"><span style="vertical-align: inherit;"><span style="vertical-align: inherit;"><span style="vertical-align: inherit;"><span style="vertical-align: inherit;"><span style="vertical-align: inherit;">3. Secure your family</span></span></span></span></span></span></b></span><span style="font-size: 11pt;"><o:p></o:p></span></span></p><p class="Default"><span style="font-size: medium;"><span color="windowtext" face="Roboto, "sans-serif""><span style="vertical-align: inherit;"><span style="vertical-align: inherit;"><span style="vertical-align: inherit;"><span style="vertical-align: inherit;"><span style="vertical-align: inherit;"><span style="vertical-align: inherit;">Having adequate insurance
cover is also an essential step in </span></span></span></span></span></span></span><span color="windowtext"><span style="vertical-align: inherit;"><span style="vertical-align: inherit;"><span style="vertical-align: inherit;"><span style="vertical-align: inherit;"><span style="vertical-align: inherit;"><span style="vertical-align: inherit;">fi</span></span></span></span></span></span></span><span color="windowtext" face="Roboto, "sans-serif""><span style="vertical-align: inherit;"><span style="vertical-align: inherit;"><span style="vertical-align: inherit;"><span style="vertical-align: inherit;"><span style="vertical-align: inherit;"><span style="vertical-align: inherit;">nancial planning. It will
provide peace of mind for you and your family members. In your absence, the insurance coverage will take care of your family’s needs and help them fulfill</span></span></span></span></span></span></span></span><span color="windowtext" face="Roboto, "sans-serif""><span style="font-size: medium;"><span style="vertical-align: inherit;"><span style="vertical-align: inherit;"><span style="vertical-align: inherit;"><span style="vertical-align: inherit;"><span style="vertical-align: inherit;"><span style="vertical-align: inherit;"> their goals with no hassles. Health insurance will cover your hospitalization expenses so that hospital bills do not affect your savings and you can
steer clear from debt.</span></span></span></span></span></span></span><span style="font-size: 11pt;"><o:p></o:p></span></span></p><p class="Default"><span color="windowtext" face=""Roboto Medium", "sans-serif""><b><span style="font-size: x-large;"><span style="vertical-align: inherit;"><span style="vertical-align: inherit;"><span style="vertical-align: inherit;"><span style="vertical-align: inherit;"><span style="vertical-align: inherit;"><span style="vertical-align: inherit;">4. Plan for your goals</span></span></span></span></span></span></span></b><span style="font-size: 11pt;"><o:p></o:p></span></span></p><p class="Default"><span style="font-size: medium;"><span color="windowtext" face="Roboto, "sans-serif""><span style="vertical-align: inherit;"><span style="vertical-align: inherit;"><span style="vertical-align: inherit;"><span style="vertical-align: inherit;"><span style="vertical-align: inherit;"><span style="vertical-align: inherit;">As financial planning opens up
money-saving avenues, it is important to use the money to save towards your </span></span></span></span></span></span></span><span color="windowtext"><span style="vertical-align: inherit;"><span style="vertical-align: inherit;"><span style="vertical-align: inherit;"><span style="vertical-align: inherit;"><span style="vertical-align: inherit;"><span style="vertical-align: inherit;">fi</span></span></span></span></span></span></span><span color="windowtext" face="Roboto, "sans-serif""><span style="vertical-align: inherit;"><span style="vertical-align: inherit;"><span style="vertical-align: inherit;"><span style="vertical-align: inherit;"><span style="vertical-align: inherit;"><span style="vertical-align: inherit;">nancial
goals. Financial planning will help you understand your goals better, the impact of the goal on other areas, prioritize your </span></span></span></span></span></span></span><span color="windowtext"><span style="vertical-align: inherit;"><span style="vertical-align: inherit;"><span style="vertical-align: inherit;"><span style="vertical-align: inherit;"><span style="vertical-align: inherit;"><span style="vertical-align: inherit;">fi</span></span></span></span></span></span></span><span color="windowtext" face="Roboto, "sans-serif""><span style="vertical-align: inherit;"><span style="vertical-align: inherit;"><span style="vertical-align: inherit;"><span style="vertical-align: inherit;"><span style="vertical-align: inherit;"><span style="vertical-align: inherit;">nancial goals, and plan your
goals.</span></span></span></span></span></span><o:p></o:p></span></span></p><p class="Default"><span style="font-size: medium;"><span color="windowtext" face="Roboto, "sans-serif""><span style="vertical-align: inherit;"><span style="vertical-align: inherit;"><span style="vertical-align: inherit;"><span style="vertical-align: inherit;"><span style="vertical-align: inherit;"><span style="vertical-align: inherit;">Financial planning will check the
various parameters of your goals such as timeframe, current cost, and future cost, and chart out a route with the required investments. You can track
the development of goals and revise your plans accordingly. Buying a house,
children’s education and marriage, and foreign vacations are some </span></span></span></span></span></span></span><span color="windowtext"><span style="vertical-align: inherit;"><span style="vertical-align: inherit;"><span style="vertical-align: inherit;"><span style="vertical-align: inherit;"><span style="vertical-align: inherit;"><span style="vertical-align: inherit;">fi</span></span></span></span></span></span></span></span><span color="windowtext" face="Roboto, "sans-serif""><span style="font-size: medium;"><span style="vertical-align: inherit;"><span style="vertical-align: inherit;"><span style="vertical-align: inherit;"><span style="vertical-align: inherit;"><span style="vertical-align: inherit;"><span style="vertical-align: inherit;">nancial
goals that need planning.</span></span></span></span></span></span></span><span style="font-size: 11pt;"><o:p></o:p></span></span></p><p class="Default"><span color="windowtext" face=""Roboto Medium", "sans-serif""><span style="font-size: x-large;"><b><span style="vertical-align: inherit;"><span style="vertical-align: inherit;"><span style="vertical-align: inherit;"><span style="vertical-align: inherit;"><span style="vertical-align: inherit;"><span style="vertical-align: inherit;">5. Plan for your
retirement</span></span></span></span></span></span></b></span><span style="font-size: 11pt;"><o:p></o:p></span></span></p><p class="Default"><span style="font-size: medium;"><span color="windowtext" face="Roboto, "sans-serif""><span style="vertical-align: inherit;"><span style="vertical-align: inherit;"><span style="vertical-align: inherit;"><span style="vertical-align: inherit;"><span style="vertical-align: inherit;"><span style="vertical-align: inherit;">Financial planning will assist
you to plan for your retirement. The earlier you plan for your retirement, the
lesser amount you will need to save to accumulate the same amount. This is
the power of compounding. Financial planning will help you </span></span></span></span></span></span></span><span color="windowtext"><span style="vertical-align: inherit;"><span style="vertical-align: inherit;"><span style="vertical-align: inherit;"><span style="vertical-align: inherit;"><span style="vertical-align: inherit;"><span style="vertical-align: inherit;">fi</span></span></span></span></span></span></span></span><span color="windowtext" face="Roboto, "sans-serif""><span style="font-size: medium;"><span style="vertical-align: inherit;"><span style="vertical-align: inherit;"><span style="vertical-align: inherit;"><span style="vertical-align: inherit;"><span style="vertical-align: inherit;"><span style="vertical-align: inherit;">gure
out the amount that you might need after retirement to maintain the same
standard of living and invest accordingly.</span></span></span></span></span></span></span><span style="font-size: 11pt;"><o:p></o:p></span></span></p><p class="Default"><span color="windowtext" face=""Roboto Medium", "sans-serif""><span style="font-size: x-large;"><b><span style="vertical-align: inherit;"><span style="vertical-align: inherit;"><span style="vertical-align: inherit;"><span style="vertical-align: inherit;"><span style="vertical-align: inherit;"><span style="vertical-align: inherit;">6. Save tax</span></span></span></span></span></span></b></span><span style="font-size: 11pt;"><o:p></o:p></span></span></p><p class="Default"><span color="windowtext" face="Roboto, "sans-serif""><span style="font-size: medium;"><span style="vertical-align: inherit;"><span style="vertical-align: inherit;"><span style="vertical-align: inherit;"><span style="vertical-align: inherit;"><span style="vertical-align: inherit;"><span style="vertical-align: inherit;">If you pay a lot of tax, you can
lower your tax outgo by taking advantage of the various tax-saving options.
Financial planning lets to plan for your taxes in advance, invest in tax-saving instruments take other legal avenues to reduce your taxable income. Low
taxable income may translate into higher savings towards your goals.</span></span></span></span></span></span></span><span style="font-size: 11pt;"><o:p></o:p></span></span></p><p class="Default"><span color="windowtext" face=""Roboto Medium", "sans-serif""><b><span style="font-size: x-large;"><span style="vertical-align: inherit;"><span style="vertical-align: inherit;"><span style="vertical-align: inherit;"><span style="vertical-align: inherit;"><span style="vertical-align: inherit;"><span style="vertical-align: inherit;">Conclusion: </span></span></span></span></span></span></span></b></span></p><p class="Default"><span style="font-size: medium;"><span color="windowtext" face="Roboto, "sans-serif""><span style="vertical-align: inherit;"><span style="vertical-align: inherit;"><span style="vertical-align: inherit;"><span style="vertical-align: inherit;">If you are serious about having a disciplined </span></span></span></span></span><span color="windowtext"><span style="vertical-align: inherit;"><span style="vertical-align: inherit;"><span style="vertical-align: inherit;"><span style="vertical-align: inherit;">fi</span></span></span></span></span><span color="windowtext" face="Roboto, "sans-serif""><span style="vertical-align: inherit;"><span style="vertical-align: inherit;"><span style="vertical-align: inherit;"><span style="vertical-align: inherit;">nancial
life and fulfilling</span></span></span></span></span><span color="windowtext" face="Roboto, "sans-serif""><span style="vertical-align: inherit;"><span style="vertical-align: inherit;"><span style="vertical-align: inherit;"><span style="vertical-align: inherit;"> your life goals, </span></span></span></span></span><span color="windowtext"><span style="vertical-align: inherit;"><span style="vertical-align: inherit;"><span style="vertical-align: inherit;"><span style="vertical-align: inherit;">fi</span></span></span></span></span><span color="windowtext" face="Roboto, "sans-serif""><span style="vertical-align: inherit;"><span style="vertical-align: inherit;"><span style="vertical-align: inherit;"><span style="vertical-align: inherit;">nancial planning is a must.
Proper </span></span></span></span></span><span color="windowtext"><span style="vertical-align: inherit;"><span style="vertical-align: inherit;"><span style="vertical-align: inherit;"><span style="vertical-align: inherit;">fi</span></span></span></span></span><span color="windowtext" face="Roboto, "sans-serif""><span style="vertical-align: inherit;"><span style="vertical-align: inherit;"><span style="vertical-align: inherit;"><span style="vertical-align: inherit;">nancial planning with your </span></span></span></span></span><span color="windowtext"><span style="vertical-align: inherit;"><span style="vertical-align: inherit;"><span style="vertical-align: inherit;"><span style="vertical-align: inherit;">fi</span></span></span></span></span><span color="windowtext" face="Roboto, "sans-serif""><span style="vertical-align: inherit;"><span style="vertical-align: inherit;"><span style="vertical-align: inherit;"><span style="vertical-align: inherit;">nancial
advisor will help you fulfill your financial</span></span></span></span></span><span style="vertical-align: inherit;"><span color="windowtext" face="Roboto, "sans-serif""><span style="vertical-align: inherit;"><span style="vertical-align: inherit;"><span style="vertical-align: inherit;"> goals, save for emergencies, get adequate
insurance, plan for retirement and save on tax. So, consult your </span></span></span></span><span color="windowtext"><span style="vertical-align: inherit;"><span style="vertical-align: inherit;"><span style="vertical-align: inherit;">fi</span></span></span></span><span color="windowtext" face="Roboto, "sans-serif""><span style="vertical-align: inherit;"><span style="vertical-align: inherit;"><span style="vertical-align: inherit;">nancial
advisor today.</span></span></span></span></span></span></p><p class="Default"><span style="font-size: medium;"><span color="windowtext" face="Roboto, "sans-serif""> </span><span color="windowtext"><span style="vertical-align: inherit;"></span></span><span color="windowtext" face="Roboto, "sans-serif""><span style="vertical-align: inherit;"></span></span><span color="windowtext"><span style="vertical-align: inherit;"></span></span><span color="windowtext" face="Roboto, "sans-serif""><span style="vertical-align: inherit;"></span></span></span></p><p>
</p><p class="Default"><span color="windowtext" style="mso-bidi-font-family: Mangal;"> </span></p><p class="Default"><span color="windowtext" style="mso-bidi-font-family: Mangal;"> <img border="0" data-original-height="131" data-original-width="162" height="258" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEiD5tEs9VlzLi7r8lN8kE4wLamTJYpqOqyX17cxpdPR6dsqDtGvYbgLs04yukcniaVyfZ0dDX-Ut1ulpVoJydmd-qlHtNs2hR8D4tGRkhqMXKUh9teSCzSu1PFakQNDpnfBquV59PsmydG8P6yO4lRn8E860vtOJu6kdPlxFEK1FeqmXaF8miL53J0_/w320-h258/image%20(1).png" width="320" /></span></p><p class="MsoNormal" style="line-height: normal; margin-bottom: 0cm; mso-layout-grid-align: none; text-autospace: none;"><b style="text-align: center;"><span style="font-family: Mangal, "serif"; font-size: 10pt;"><span lang="HI"> </span></span></b><span style="background-color: #f8f9fa; text-align: center;"><b><span style="vertical-align: inherit;"><span style="vertical-align: inherit;"><span style="vertical-align: inherit;"><span style="vertical-align: inherit;">AMFI Registered Mutual Fund Distributor </span></span></span></span></b></span></p><p class="MsoNormal" style="line-height: normal; margin-bottom: 0cm; mso-layout-grid-align: none; text-autospace: none;"><b style="text-align: center;"><span lang="HI" style="font-family: Mangal, "serif"; font-size: 10pt;"><span style="vertical-align: inherit;"><span style="vertical-align: inherit;"><span style="vertical-align: inherit;"><span style="vertical-align: inherit;"> 6306522855</span></span></span></span></span></b></p><p class="MsoNormal" style="line-height: normal; margin-bottom: 0cm; mso-layout-grid-align: none; text-autospace: none;"><b style="text-align: center;"><span style="font-family: "Times New Roman", "serif"; font-size: 10pt;"><span style="vertical-align: inherit;"><span style="vertical-align: inherit;"><span style="vertical-align: inherit;"><span style="vertical-align: inherit;"> Burlington, Lucknow, </span></span></span></span></span><span lang="HI" style="font-family: Mangal, "serif"; font-size: 10pt;"><span style="vertical-align: inherit;"><span style="vertical-align: inherit;"><span style="vertical-align: inherit;"><span style="vertical-align: inherit;">226001</span></span></span></span></span></b></p><p class="MsoNormal" style="line-height: normal; margin-bottom: 0cm; mso-layout-grid-align: none; text-autospace: none;"><b style="font-family: "Times New Roman", "serif"; font-size: 10pt; text-align: center;"><span style="vertical-align: inherit;"><span style="vertical-align: inherit;"><span style="vertical-align: inherit;"><span style="vertical-align: inherit;"> customercare@vsix.co.in || www.vsix.co.in</span></span></span></span></b></p><p><span style="font-size: medium;"></span></p><p class="Default"><span color="windowtext" style="mso-bidi-font-family: Mangal;"></span></p><p class="MsoNormal" style="line-height: normal; margin-bottom: 0cm; mso-layout-grid-align: none; text-autospace: none;"><b style="text-align: center;"><span style="font-family: Mangal, "serif"; font-size: 10pt;"> </span></b></p><p class="Default"><span color="windowtext" style="mso-bidi-font-family: Mangal;"><br /></span></p><p class="Default"><span color="windowtext" style="mso-bidi-font-family: Mangal;"><br /></span></p><p class="Default"><span color="windowtext" style="mso-bidi-font-family: Mangal;"><br /></span></p><p class="Default"><span color="windowtext" style="mso-bidi-font-family: Mangal;"><br /></span></p><p class="Default"><span color="windowtext" style="mso-bidi-font-family: Mangal;"><br /></span></p><p class="Default"><span color="windowtext" style="mso-bidi-font-family: Mangal;"><br /></span></p>V6 ARTHGYAN LLPhttp://www.blogger.com/profile/18128509813979049058noreply@blogger.com0tag:blogger.com,1999:blog-4746449159280106368.post-20778779909729227032022-08-31T21:35:00.000-07:002022-08-31T21:35:24.089-07:00<p class="MsoNormal" style="background: white; line-height: normal; margin-top: 6pt; mso-background-themecolor: background1; tab-stops: 45.8pt 91.6pt 137.4pt 183.2pt 229.0pt 274.8pt 320.6pt 366.4pt 412.2pt 458.0pt 503.8pt 549.6pt 595.4pt 641.2pt 687.0pt 732.8pt;"><span style="font-size: medium;"><br /></span></p><pre style="background: white; line-height: 19.7pt; mso-background-themecolor: background1;"><span class="y2iqfc"><span lang="HI" style="color: #202124; font-family: Mangal, "serif";"><span><span style="font-size: medium;"> </span><b><span style="font-size: x-large;"> वित्तीय योजना का महत्व</span></b></span></span></span><span style="color: #202124; font-family: "inherit","serif"; font-size: large;"><o:p></o:p></span></pre><span style="font-size: medium;"><br /></span><table align="center" cellpadding="0" cellspacing="0" class="tr-caption-container" style="margin-left: auto; margin-right: auto;"><tbody><tr><td style="text-align: center;"><a href="https://blogger.googleusercontent.com/img/a/AVvXsEgapoBZ9EIxLHWQf5WZgmhHJJZ82sybTeubmbEUeYCvH1ztc_v3KgcmbCZg0yCG0s54V7Vzy1uMmexwRcqVoTwrXiEUCcgXv1rU6KHON9FLBI44xkye8kLeLoeiVWpryor4JIWorihGyoBDf2lAxVzfSBee5qMVkd9E5mmjPumI-Oh7HYoHUqUAlHnY" style="margin-left: auto; margin-right: auto;"><span style="font-size: medium;"><img alt="" data-original-height="433" data-original-width="795" height="217" src="https://blogger.googleusercontent.com/img/a/AVvXsEgapoBZ9EIxLHWQf5WZgmhHJJZ82sybTeubmbEUeYCvH1ztc_v3KgcmbCZg0yCG0s54V7Vzy1uMmexwRcqVoTwrXiEUCcgXv1rU6KHON9FLBI44xkye8kLeLoeiVWpryor4JIWorihGyoBDf2lAxVzfSBee5qMVkd9E5mmjPumI-Oh7HYoHUqUAlHnY=w400-h217" width="400" /></span></a></td></tr><tr></tr></tbody></table><p class="MsoNormal" style="background: white; line-height: normal; margin-bottom: 0cm; mso-background-themecolor: background1; tab-stops: 45.8pt 91.6pt 137.4pt 183.2pt 229.0pt 274.8pt 320.6pt 366.4pt 412.2pt 458.0pt 503.8pt 549.6pt 595.4pt 641.2pt 687.0pt 732.8pt;"><span lang="HI" style="color: #202124; font-family: "Mangal","serif"; font-size: x-large; mso-ascii-font-family: inherit; mso-fareast-font-family: "Times New Roman"; mso-hansi-font-family: inherit;"><b>वित्तीय योजना के 6 लाभ</b></span></p><p class="MsoNormal" style="background: white; line-height: normal; margin-bottom: 0cm; mso-background-themecolor: background1; tab-stops: 45.8pt 91.6pt 137.4pt 183.2pt 229.0pt 274.8pt 320.6pt 366.4pt 412.2pt 458.0pt 503.8pt 549.6pt 595.4pt 641.2pt 687.0pt 732.8pt;"><span style="font-size: medium;"><span class="y2iqfc"><span lang="HI" style="color: #202124; font-family: "Mangal","serif"; mso-ascii-font-family: inherit; mso-hansi-font-family: inherit;">अपने करियर के लक्ष्यों और अन्य लक्ष्यों को पूरा करने के लिए हम सबसे पहले क्या करते हैं</span></span><span class="y2iqfc"><span style="color: #202124; font-family: "inherit","serif";">? </span></span><span class="y2iqfc"><span lang="HI" style="color: #202124; font-family: "Mangal","serif"; mso-ascii-font-family: inherit; mso-hansi-font-family: inherit;">हम नियाेजित करते हैं। योजना हमारे लक्ष्यों को पूरा करने की दिशा में पहला कदम है। हमारे वित्त और वित्तीय लक्ष्यों के मामले में भी ऐसा ही है। वित्तीय लक्ष्य वे लक्ष्य हैं जिन्हें आप प्राप्त करने की आशा करते हैं और पैसा एक अभिन्न भूमिका निभाता है</span></span></span></p><p class="MsoNormal" style="background: white; line-height: normal; margin-bottom: 0cm; mso-background-themecolor: background1; tab-stops: 45.8pt 91.6pt 137.4pt 183.2pt 229.0pt 274.8pt 320.6pt 366.4pt 412.2pt 458.0pt 503.8pt 549.6pt 595.4pt 641.2pt 687.0pt 732.8pt;"><span style="font-size: medium;"><span class="y2iqfc"><span lang="HI" style="color: #202124; font-family: "Mangal","serif"; mso-ascii-font-family: inherit; mso-hansi-font-family: inherit;">उचित वित्तीय योजना आपको इन लक्ष्यों को प्राप्त करने में मदद करेगी। वित्तीय नियोजन विभिन्न वित्तीय लक्ष्यों को पूरा करने की एक चरण-दर-चरण प्रक्रिया है। किसी भी अन्य योजना की तरह</span></span><span class="y2iqfc"><span style="color: #202124; font-family: "inherit","serif";">, </span></span><span class="y2iqfc"><span lang="HI" style="color: #202124; font-family: "Mangal","serif"; mso-ascii-font-family: inherit; mso-hansi-font-family: inherit;">एक वित्तीय योजना आपके जीवन के विभिन्न वित्तीय पहलुओं को नेविगेट करने के लिए एक मार्गदर्शक के रूप में कार्य करती है। </span></span></span></p><p class="MsoNormal" style="background: white; line-height: normal; margin-bottom: 0cm; mso-background-themecolor: background1; tab-stops: 45.8pt 91.6pt 137.4pt 183.2pt 229.0pt 274.8pt 320.6pt 366.4pt 412.2pt 458.0pt 503.8pt 549.6pt 595.4pt 641.2pt 687.0pt 732.8pt;"><span style="font-size: medium;"><span class="y2iqfc"><span lang="HI" style="color: #202124; font-family: Mangal, "serif";">एक उदाहरण लेते हैं। यदि आप अपने बच्चे की शिक्षा की योजना बनाना चाहते हैं और पाठ्यक्रम की वर्तमान लागत 20 लाख रुपये है। अगर आपके बच्चे की शिक्षा पांच साल दूर है</span></span><span class="y2iqfc"><span style="color: #202124; font-family: "inherit", "serif";">, </span></span><span class="y2iqfc"><span lang="HI" style="color: #202124; font-family: Mangal, "serif";">तो आपको 20 लाख रुपये से अधिक जमा करना पड़ सकता है</span></span><span class="y2iqfc"><span style="color: #202124; font-family: "inherit", "serif";">, </span></span><span class="y2iqfc"><span lang="HI" style="color: #202124; font-family: Mangal, "serif";">जैसे कि रुपये। 25 लाख। वित्तीय योजना आपके वित्त के अन्य महत्वपूर्ण पहलुओं को कवर करते हुए आपके बच्चे की सपनों की शिक्षा </span></span><span class="y2iqfc"><span lang="HI" style="color: #202124; font-family: "inherit", "serif";"> </span></span><span class="y2iqfc"><span lang="HI" style="color: #202124; font-family: Mangal, "serif";">पूरा करने के लिए पैसे बचाने के लिए चरण-दर-चरण प्रक्रिया प्रदान करेगी</span></span></span></p><p class="MsoNormal" style="background: white; line-height: normal; margin-bottom: 0cm; mso-background-themecolor: background1; tab-stops: 45.8pt 91.6pt 137.4pt 183.2pt 229.0pt 274.8pt 320.6pt 366.4pt 412.2pt 458.0pt 503.8pt 549.6pt 595.4pt 641.2pt 687.0pt 732.8pt;"><span class="y2iqfc"><span lang="HI" style="color: #202124; font-family: "Mangal","serif"; font-size: medium; mso-ascii-font-family: inherit; mso-hansi-font-family: inherit;"></span></span></p><pre style="background: white; mso-background-themecolor: background1;"><span class="y2iqfc"><span lang="HI" style="color: #202124; font-family: Mangal, "serif";"><span style="font-size: x-large;"><b>वित्तीय योजना के लाभ</b></span></span></span><span style="color: #202124; font-family: "inherit","serif"; font-size: large;"><o:p></o:p></span></pre><pre style="background: white; mso-background-themecolor: background1;"><span class="y2iqfc"><span lang="HI" style="color: #202124; font-family: Mangal, "serif";"><span style="font-size: medium;">फाइनेंशियल प्लानिंग के कई फायदे हैं। वित्तीय योजना आपकी मदद करेगी:</span></span></span></pre><pre style="background: white; mso-background-themecolor: background1;"><span class="y2iqfc"><span lang="HI" style="color: #202124; font-family: Mangal, "serif";"><span style="font-size: x-large;"><b>1. अपनी बचत और खर्चों को सुव्यवस्थित करें</b></span></span></span></pre><pre style="background: white; mso-background-themecolor: background1;"><pre style="background-attachment: initial; background-clip: initial; background-image: initial; background-origin: initial; background-position: initial; background-repeat: initial; background-size: initial;"><span style="font-size: medium;"><span class="y2iqfc"><span lang="HI" style="color: #202124; font-family: Mangal, "serif";">एक वित्तीय योजना बनाने से आपकी आय और व्यय के बारे में जानकारी मिलेगी। जबकि हमें अपनी आय का उचित अंदाजा होता है</span></span><span class="y2iqfc"><span style="color: #202124; font-family: "inherit", "serif";">, </span></span><span class="y2iqfc"><span lang="HI" style="color: #202124; font-family: Mangal, "serif";">हममें </span></span></span></pre><pre style="background-attachment: initial; background-clip: initial; background-image: initial; background-origin: initial; background-position: initial; background-repeat: initial; background-size: initial;"><span style="font-size: medium;"><span class="y2iqfc"><span lang="HI" style="color: #202124; font-family: Mangal, "serif";">से अधिकांश को अपने खर्चों का पता लगाने में परेशानी होती है। जब आप अपने खर्चों की जांच करते हैं</span></span><span class="y2iqfc"><span style="color: #202124; font-family: "inherit", "serif";">, </span></span><span class="y2iqfc"><span lang="HI" style="color: #202124; font-family: Mangal, "serif";">तो आप अपनी लागतों में कटौती</span></span></span></pre><pre style="background-attachment: initial; background-clip: initial; background-image: initial; background-origin: initial; background-position: initial; background-repeat: initial; background-size: initial;"><span class="y2iqfc"><span lang="HI" style="color: #202124; font-family: Mangal, "serif";"><span style="font-size: medium;">करने और अधिक बचत करने के तरीके ढूंढ सकते हैं। इस तरह आप होशपूर्वक पैसा खर्च करेंगे और अपने पैसे के प्रति अनुशासित दृष्टिकोण </span></span></span></pre><pre style="background-attachment: initial; background-clip: initial; background-image: initial; background-origin: initial; background-position: initial; background-repeat: initial; background-size: initial;"><span style="font-size: medium;"><span class="y2iqfc"><span lang="HI" style="color: #202124; font-family: Mangal, "serif";">अपनाएंगे</span></span><span style="color: #202124; font-family: "inherit", "serif";"><o:p></o:p></span></span></pre><pre style="background-attachment: initial; background-clip: initial; background-image: initial; background-origin: initial; background-position: initial; background-repeat: initial; background-size: initial;"><span class="y2iqfc"><span lang="HI" style="color: #202124; font-family: Mangal, "serif";"><span style="font-size: x-large;"><b>2. आपात स्थिति के लिए तैयार रहें</b></span></span></span><span style="color: #202124; font-family: "inherit", "serif"; font-size: large;"><o:p></o:p></span></pre><pre style="background-attachment: initial; background-clip: initial; background-image: initial; background-origin: initial; background-position: initial; background-repeat: initial; background-size: initial;"><span class="y2iqfc"><span lang="HI" style="color: #202124; font-family: Mangal, "serif";"><span style="font-size: medium;">आपात स्थिति अघोषित रूप से आती है। आपातकालीन कोष बनाना वित्तीय नियोजन के पहले चरणों में से एक है। कम से कम 6 महीने के </span></span></span></pre><pre style="background-attachment: initial; background-clip: initial; background-image: initial; background-origin: initial; background-position: initial; background-repeat: initial; background-size: initial;"><span style="font-size: medium;"><span class="y2iqfc"><span lang="HI" style="color: #202124; font-family: Mangal, "serif";">खर्च के साथ एक आपातकालीन फंड आपको नौकरी छूटने</span></span><span class="y2iqfc"><span style="color: #202124; font-family: "inherit", "serif";">, </span></span><span class="y2iqfc"><span lang="HI" style="color: #202124; font-family: Mangal, "serif";">कार या घर की मरम्मत</span></span><span class="y2iqfc"><span style="color: #202124; font-family: "inherit", "serif";">, </span></span><span class="y2iqfc"><span lang="HI" style="color: #202124; font-family: Mangal, "serif";">और दुर्घटनाओं जैसी आपातकालीन स्थितियों से निपटने </span></span></span></pre><pre style="background-attachment: initial; background-clip: initial; background-image: initial; background-origin: initial; background-position: initial; background-repeat: initial; background-size: initial;"><span style="font-size: medium;"><span class="y2iqfc"><span lang="HI" style="color: #202124; font-family: Mangal, "serif";">में मदद कर सकता है। एक इमरजेंसी फंड आपकी बचत को अन्य लक्ष्यों के लिए सुरक्षित रखने में भी मदद करेगा।</span></span><span style="color: #202124; font-family: "inherit", "serif";"><o:p></o:p></span></span></pre><pre style="background-attachment: initial; background-clip: initial; background-image: initial; background-origin: initial; background-position: initial; background-repeat: initial; background-size: initial;"><span class="y2iqfc"><span lang="HI" style="color: #202124; font-family: Mangal, "serif";"><span style="font-size: x-large;"><b>3. अपने परिवार को सुरक्षित करें</b></span></span></span></pre><pre style="background-attachment: initial; background-clip: initial; background-image: initial; background-origin: initial; background-position: initial; background-repeat: initial; background-size: initial;"><span class="y2iqfc"><span lang="HI" style="color: #202124; font-family: Mangal, "serif";"><pre style="background-attachment: initial; background-clip: initial; background-image: initial; background-origin: initial; background-position: initial; background-repeat: initial; background-size: initial; font-size: large;"><span class="y2iqfc"><span lang="HI" style="font-family: Mangal, "serif";">वित्तीय नियोजन में पर्याप्त बीमा कवर होना भी एक आवश्यक कदम है। यह आपको और आपके परिवार के सदस्यों के लिए मन की शांति </span></span></pre><pre style="background-attachment: initial; background-clip: initial; background-image: initial; background-origin: initial; background-position: initial; background-repeat: initial; background-size: initial; font-size: large;"><span class="y2iqfc"><span lang="HI" style="font-family: Mangal, "serif";">प्रदान करेगा। आपकी अनुपस्थिति में</span></span><span class="y2iqfc"><span style="font-family: "inherit", "serif";">, </span></span><span class="y2iqfc"><span lang="HI" style="font-family: Mangal, "serif";">बीमा कवरेज आपके परिवार की ज़रूरतों का ध्यान रखेगा और उन्हें बिना किसी परेशानी के अपने लक्ष्यों</span></span></pre><pre style="background-attachment: initial; background-clip: initial; background-image: initial; background-origin: initial; background-position: initial; background-repeat: initial; background-size: initial; font-size: large;">को पूरा करने में मदद करेगा। स्वास्थ्य बीमा आपके अस्पताल में भर्ती होने के खर्चों को कवर करेगा ताकि अस्पताल के बिल आपकी बचत</pre><pre style="background-attachment: initial; background-clip: initial; background-image: initial; background-origin: initial; background-position: initial; background-repeat: initial; background-size: initial; font-size: large;"><span class="y2iqfc"><span lang="HI" style="font-family: Mangal, "serif";">को प्रभावित न करें और आप कर्ज से मुक्त हो सकें।</span></span></pre><pre style="background-attachment: initial; background-clip: initial; background-image: initial; background-origin: initial; background-position: initial; background-repeat: initial; background-size: initial;"><span class="y2iqfc"><span lang="HI" style="font-family: Mangal, "serif";"><span style="font-size: x-large;"><b>4. अपने लक्ष्यों के लिए योजना बनाएं</b></span></span></span></pre><pre style="background-attachment: initial; background-clip: initial; background-image: initial; background-origin: initial; background-position: initial; background-repeat: initial; background-size: initial; font-size: large;"><span class="y2iqfc"><span lang="HI" style="font-family: Mangal, "serif";">चूंकि वित्तीय नियोजन से पैसे बचाने के रास्ते खुलते हैं</span></span><span class="y2iqfc"><span style="font-family: "inherit", "serif";">, </span></span><span class="y2iqfc"><span lang="HI" style="font-family: Mangal, "serif";">इसलिए अपने वित्तीय लक्ष्यों की ओर बचत करने के लिए धन का उपयोग करना महत्वपूर्ण </span></span></pre><pre style="background-attachment: initial; background-clip: initial; background-image: initial; background-origin: initial; background-position: initial; background-repeat: initial; background-size: initial; font-size: large;"><span class="y2iqfc"><span lang="HI" style="font-family: Mangal, "serif";">है। वित्तीय योजना आपको अपने लक्ष्यों को बेहतर ढंग से समझने</span></span><span class="y2iqfc"><span style="font-family: "inherit", "serif";">, </span></span><span class="y2iqfc"><span lang="HI" style="font-family: Mangal, "serif";">अन्य क्षेत्रों पर लक्ष्य के प्रभाव को समझने</span></span><span class="y2iqfc"><span style="font-family: "inherit", "serif";">, </span></span><span class="y2iqfc"><span lang="HI" style="font-family: Mangal, "serif";">अपने वित्तीय लक्ष्यों को प्राथमिकता </span></span></pre><pre style="background-attachment: initial; background-clip: initial; background-image: initial; background-origin: initial; background-position: initial; background-repeat: initial; background-size: initial; font-size: large;"><span class="y2iqfc"><span lang="HI" style="font-family: Mangal, "serif";">देने और अपने लक्ष्यों की योजना बनाने में मदद करेगी।</span></span><span class="y2iqfc"><span lang="HI"><o:p></o:p></span></span></pre><pre style="background-attachment: initial; background-clip: initial; background-image: initial; background-origin: initial; background-position: initial; background-repeat: initial; background-size: initial;"><span class="y2iqfc"><span lang="HI" style="font-family: Mangal, "serif";"><pre style="background-attachment: initial; background-clip: initial; background-image: initial; background-origin: initial; background-position: initial; background-repeat: initial; background-size: initial; font-size: large;"><span class="y2iqfc"><span lang="HI" style="font-family: Mangal, "serif";">वित्तीय योजना आपके लक्ष्यों के विभिन्न मापदंडों जैसे समय सीमा</span></span><span class="y2iqfc"><span style="font-family: "inherit", "serif";">, </span></span><span class="y2iqfc"><span lang="HI" style="font-family: Mangal, "serif";">वर्तमान लागत और भविष्य की लागत की जांच करेगी और आवश्यक </span></span></pre><pre style="background-attachment: initial; background-clip: initial; background-image: initial; background-origin: initial; background-position: initial; background-repeat: initial; background-size: initial; font-size: large;"><span class="y2iqfc"><span lang="HI" style="font-family: Mangal, "serif";">निवेश के साथ एक मार्ग का चार्ट तैयार करेगी। आप लक्ष्यों के विकास को ट्रैक कर सकते हैं और तदनुसार अपनी योजनाओं को संशोधित</span></span></pre><pre style="background-attachment: initial; background-clip: initial; background-image: initial; background-origin: initial; background-position: initial; background-repeat: initial; background-size: initial; font-size: large;"><span class="y2iqfc"><span lang="HI" style="font-family: Mangal, "serif";">कर सकते हैं। घर ख़रीदना</span></span><span class="y2iqfc"><span style="font-family: "inherit", "serif";">, </span></span><span class="y2iqfc"><span lang="HI" style="font-family: Mangal, "serif";">बच्चों की शिक्षा और शादी</span></span><span class="y2iqfc"><span style="font-family: "inherit", "serif";">, </span></span><span class="y2iqfc"><span lang="HI" style="font-family: Mangal, "serif";">और विदेश में छुट्टियां कुछ ऐसे वित्तीय लक्ष्य हैं जिनके लिए योजना बनाने की ज़रूरत </span></span></pre><pre style="background-attachment: initial; background-clip: initial; background-image: initial; background-origin: initial; background-position: initial; background-repeat: initial; background-size: initial; font-size: large;"><span class="y2iqfc"><span lang="HI" style="font-family: Mangal, "serif";">होती है।</span></span><span class="y2iqfc"><span style="font-family: "inherit", "serif";"><o:p></o:p></span></span></pre><pre style="background-attachment: initial; background-clip: initial; background-image: initial; background-origin: initial; background-position: initial; background-repeat: initial; background-size: initial;"><span class="y2iqfc"><span lang="HI" style="font-family: Mangal, "serif";"><span style="font-size: x-large;"><b>5. अपनी सेवानिवृत्ति के लिए योजना बनाएं</b></span></span></span><span style="font-family: "inherit", "serif"; font-size: large;"><o:p></o:p></span></pre><pre style="background-attachment: initial; background-clip: initial; background-image: initial; background-origin: initial; background-position: initial; background-repeat: initial; background-size: initial; font-size: large;"><span class="y2iqfc"><span lang="HI" style="font-family: Mangal, "serif";">वित्तीय योजना आपकी सेवानिवृत्ति की योजना बनाने में आपकी सहायता करेगी। जितनी जल्दी आप अपनी सेवानिवृत्ति की योजना बनाते हैं</span></span><span class="y2iqfc"><span style="font-family: "inherit", "serif";">,</span></span></pre><pre style="background-attachment: initial; background-clip: initial; background-image: initial; background-origin: initial; background-position: initial; background-repeat: initial; background-size: initial; font-size: large;"><span class="y2iqfc"><span style="font-family: "inherit", "serif";"> </span></span><span class="y2iqfc"><span lang="HI" style="font-family: Mangal, "serif";">उतनी ही कम राशि जमा करने के लिए आपको बचत करने की आवश्यकता होगी। यह कंपाउंडिंग की शक्ति है। वित्तीय नियोजन आपको उस </span></span></pre><pre style="background-attachment: initial; background-clip: initial; background-image: initial; background-origin: initial; background-position: initial; background-repeat: initial; background-size: initial; font-size: large;"><span class="y2iqfc"><span lang="HI" style="font-family: Mangal, "serif";">राशि का पता लगाने में मदद करेगा जिसकी आपको सेवानिवृत्ति के बाद समान जीवन स्तर बनाए रखने और उसके अनुसार निवेश करने की </span></span></pre><pre style="background-attachment: initial; background-clip: initial; background-image: initial; background-origin: initial; background-position: initial; background-repeat: initial; background-size: initial; font-size: large;"><span class="y2iqfc"><span lang="HI" style="font-family: Mangal, "serif";">आवश्यकता हो सकती है।</span></span><span style="font-family: "inherit", "serif";"><o:p></o:p></span></pre><pre style="background-attachment: initial; background-clip: initial; background-image: initial; background-origin: initial; background-position: initial; background-repeat: initial; background-size: initial;"><span class="y2iqfc"><span lang="HI" style="font-family: Mangal, "serif";"><pre style="background-attachment: initial; background-clip: initial; background-image: initial; background-origin: initial; background-position: initial; background-repeat: initial; background-size: initial;"><span class="y2iqfc"><span lang="HI" style="font-family: Mangal, "serif";"><span style="font-size: x-large;"><b>6. टैक्स बचाएं</b></span></span></span><span style="font-family: "inherit", "serif"; font-size: large;"><o:p></o:p></span></pre><pre style="background-attachment: initial; background-clip: initial; background-image: initial; background-origin: initial; background-position: initial; background-repeat: initial; background-size: initial; font-size: large;"><span class="y2iqfc"><span lang="HI" style="font-family: Mangal, "serif";">यदि आप बहुत अधिक कर का भुगतान करते हैं</span></span><span class="y2iqfc"><span style="font-family: "inherit", "serif";">, </span></span><span class="y2iqfc"><span lang="HI" style="font-family: Mangal, "serif";">तो आप विभिन्न कर-बचत विकल्पों का लाभ उठाकर अपने कर व्यय को कम कर सकते हैं। </span></span></pre><pre style="background-attachment: initial; background-clip: initial; background-image: initial; background-origin: initial; background-position: initial; background-repeat: initial; background-size: initial; font-size: large;"><span class="y2iqfc"><span lang="HI" style="font-family: Mangal, "serif";">वित्तीय नियोजन आपके करों के लिए अग्रिम रूप से योजना बनाने की सुविधा देता है</span></span><span class="y2iqfc"><span style="font-family: "inherit", "serif";">, </span></span><span class="y2iqfc"><span lang="HI" style="font-family: Mangal, "serif";">कर-बचत उपकरणों में निवेश करने से आपकी कर योग्य </span></span></pre><pre style="background-attachment: initial; background-clip: initial; background-image: initial; background-origin: initial; background-position: initial; background-repeat: initial; background-size: initial; font-size: large;"><span class="y2iqfc"><span lang="HI" style="font-family: Mangal, "serif";">आय कम करने के लिए अन्य कानूनी रास्ते मिलते हैं। कम कर योग्य आय आपके लक्ष्यों के लिए उच्च बचत में तब्दील हो सकती है।</span></span><span style="font-family: "inherit", "serif";"><o:p></o:p></span></pre><pre style="background-attachment: initial; background-clip: initial; background-image: initial; background-origin: initial; background-position: initial; background-repeat: initial; background-size: initial;"><span class="y2iqfc"><span lang="HI" style="font-family: Mangal, "serif";"><span style="font-size: x-large;"><b>निष्कर्ष:</b></span></span></span><span style="font-family: "inherit", "serif"; font-size: large;"><o:p></o:p></span></pre><pre style="background-attachment: initial; background-clip: initial; background-image: initial; background-origin: initial; background-position: initial; background-repeat: initial; background-size: initial; font-size: large;"><span class="y2iqfc"><span lang="HI" style="font-family: Mangal, "serif";">यदि आप एक अनुशासित वित्तीय जीवन और अपने जीवन के लक्ष्यों को पूरा करने के बारे में गंभीर हैं</span></span><span class="y2iqfc"><span style="font-family: "inherit", "serif";">, </span></span><span class="y2iqfc"><span lang="HI" style="font-family: Mangal, "serif";">तो वित्तीय नियोजन आवश्यक है। अपने </span></span></pre><pre style="background-attachment: initial; background-clip: initial; background-image: initial; background-origin: initial; background-position: initial; background-repeat: initial; background-size: initial; font-size: large;"><span class="y2iqfc"><span lang="HI" style="font-family: Mangal, "serif";">वित्तीय सलाहकार के साथ उचित वित्तीय योजना आपको अपने वित्तीय लक्ष्यों को पूरा करने</span></span><span class="y2iqfc"><span style="font-family: "inherit", "serif";">, </span></span><span class="y2iqfc"><span lang="HI" style="font-family: Mangal, "serif";">आपात स्थिति के लिए बचत करने</span></span><span class="y2iqfc"><span style="font-family: "inherit", "serif";">, </span></span><span class="y2iqfc"><span lang="HI" style="font-family: Mangal, "serif";">पर्याप्त पाने में </span></span></pre><pre style="background-attachment: initial; background-clip: initial; background-image: initial; background-origin: initial; background-position: initial; background-repeat: initial; background-size: initial; font-size: large;"><span class="y2iqfc"><span lang="HI" style="font-family: Mangal, "serif";">मदद करेगी.</span></span><span style="font-family: "inherit", "serif";"><o:p></o:p></span></pre></span></span></pre></span></span></pre></span></span></pre><pre style="background: white; mso-background-themecolor: background1;"><span style="font-size: medium;"><br /></span></pre><pre style="background: white; mso-background-themecolor: background1;"><span style="font-size: medium;"><br /></span></pre><pre style="background: white; mso-background-themecolor: background1;"><span style="font-size: medium;"> <img border="0" data-original-height="131" data-original-width="162" height="258" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEiD5tEs9VlzLi7r8lN8kE4wLamTJYpqOqyX17cxpdPR6dsqDtGvYbgLs04yukcniaVyfZ0dDX-Ut1ulpVoJydmd-qlHtNs2hR8D4tGRkhqMXKUh9teSCzSu1PFakQNDpnfBquV59PsmydG8P6yO4lRn8E860vtOJu6kdPlxFEK1FeqmXaF8miL53J0_/w320-h258/image%20(1).png" style="font-family: "Times New Roman"; white-space: normal;" width="320" /> </span></pre><pre style="background: white; mso-background-themecolor: background1;"><span style="font-size: medium;"> <span style="font-family: "Times New Roman"; text-align: center; white-space: normal;"><span style="font-family: Mangal, "serif";"><span lang="HI"> </span></span></span><span style="background-color: #f8f9fa; 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line-height: normal; margin-bottom: 0cm; mso-layout-grid-align: none; text-autospace: none; white-space: normal;"><span style="font-family: "Times New Roman", "serif"; text-align: center;"><span style="font-size: medium;"> customercare@vsix.co.in || www.vsix.co.in</span></span></p><p style="font-family: "Times New Roman"; white-space: normal;"><span style="font-size: medium;"></span></p><p class="Default" style="font-family: "Times New Roman"; white-space: normal;"><span color="windowtext" style="font-size: medium; mso-bidi-font-family: Mangal;"></span></p><p class="MsoNormal" style="font-family: "Times New Roman"; line-height: normal; margin-bottom: 0cm; mso-layout-grid-align: none; text-autospace: none; white-space: normal;"><span style="text-align: center;"><span style="font-family: Mangal, "serif"; font-size: medium;"> </span></span></p></pre><span style="font-size: medium;">
</span><p class="MsoNormal" style="background-attachment: initial; background-clip: initial; background-image: initial; background-origin: initial; background-position: initial; background-repeat: initial; background-size: initial; line-height: normal;"><span style="font-size: medium;"> </span></p><span style="font-size: medium;">
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</pre>V6 ARTHGYAN LLPhttp://www.blogger.com/profile/18128509813979049058noreply@blogger.com0tag:blogger.com,1999:blog-4746449159280106368.post-64499956470054153182022-08-14T22:00:00.004-07:002022-08-14T22:00:00.197-07:00<p> </p><p> <b><span style="font-size: x-large;"> Overconfidence Bias</span></b></p><p></p><div class="separator" style="clear: both; text-align: center;"><a href="https://blogger.googleusercontent.com/img/a/AVvXsEj8cbfhLwa0JEP3He14C9dQ4rsw9zFdjUKHUAjA2meLkFDVNhCUuZHrj1Dng3V-HOYiczcoe4ExTr3McfQxCrBhs--MUGHgrIU2ZlfbAzd0VhPBCpUJO6eP56yYtjjamFrtt5xb3B9rVdKt9D8x_bmspm_Crbn6xbbL8gRk7DaKCzTCFYb76bjiUiwx" style="margin-left: 1em; margin-right: 1em;"><img alt="" data-original-height="441" data-original-width="796" height="177" src="https://blogger.googleusercontent.com/img/a/AVvXsEj8cbfhLwa0JEP3He14C9dQ4rsw9zFdjUKHUAjA2meLkFDVNhCUuZHrj1Dng3V-HOYiczcoe4ExTr3McfQxCrBhs--MUGHgrIU2ZlfbAzd0VhPBCpUJO6eP56yYtjjamFrtt5xb3B9rVdKt9D8x_bmspm_Crbn6xbbL8gRk7DaKCzTCFYb76bjiUiwx" width="320" /></a></div><p></p><p><br /></p><p><br /></p><p><b><span style="font-size: x-large;">Do you have an overconfidence bias? Find it out </span></b></p><p><span style="font-size: medium;">We all are familiar with the word ‘overconfidence’. While confidence is good and very much required, overconfidence tends to blur our rational decision-making capacity. There is a thin line between confidence and overconfidence and it makes all the difference in the outcome.</span></p><p><span style="font-size: medium;">Overconfidence is nothing but an overestimation of one’s capabilities. In the world of investing, overconfidence acts as an impediment and it is called overconfidence bias. As investors with overconfidence bias are overconfident in their investment decisions, they tend to take hasty decisions ignoring the dangers. As a result, it does them more harm than good.</span></p><p><b><span style="font-size: large;">Let us explain overconfidence with the help of an example.</span></b></p><p><span style="font-size: medium;">An investor who is new to the world of mutual funds starts investing in a mutual fund that has delivered the best performance in the last year. The fund continues to outperform for the other few months. The investor continues to add money to the fund. Because of the recent growth, the investor becomes overconfident and begins to overestimate his investment skills. However, he hasn't done any research regarding the fund. The fund is a sectoral fund (sectoral fund invests in a particular sector) and the fund performance starts to stagnant. As he is overconfident, he continues to invest.</span></p><p><span style="font-size: medium;">This is a typical case of overconfidence as the investor took the decision without consulting a financial advisor and believed that he knew better.</span></p><p><b><span style="font-size: x-large;">What causes Overconfidence Bias?</span></b></p><p><span style="font-size: medium;">Behavioral biases are not exclusive to other biases. Other biases such as self-serving bias and illusory superiority are some of the reasons behind overconfidence bias. In the self-serving bias, investors attribute success to their expertise and losses to bad luck. Any information about the stock market which is in line with the investor’s forecast will increase the confidence of the investor. As time goes by, correct predictions make the investors super confident in their investment decisions. This is one way that gives rise to overconfidence bias.</span></p><p><span style="font-size: medium;">Illusory superiority causes investors to believe that they posse higher investment skills than they already have. While confidence is good, overconfidence, especially in matters of investing, can be dangerous. This overconfidence bias can inversely impact the portfolio.</span></p><p><span style="font-size: medium;">As a result, investors remember the recent gains but forget about the losses that they had made.</span></p><p><b><span style="font-size: x-large;">What are the effects of overconfidence bias?</span></b></p><p><span style="font-size: medium;">As overconfident investors overestimate their investment prowess, they tend to take more risky investment decisions than they can digest. They overestimate the rewards and underestimate the risks.</span></p><p><span style="font-size: medium;">Also, these investors tend to be more active traders or may jump from one mutual fund to another fund in a short span of time. This constant shuffling and trading may increase the investment costs that may eat away the returns fetched by the investment options.</span></p><p><span style="font-size: medium;">Overcome dent investors find it hard to seek investment help from professionals like financial advisors. As a result, they remain stuck in the vicious cycle of buying and selling according to their config dence level. This does not let investors make substantial gains or create wealth.</span></p><p><b><span style="font-size: x-large;">How to Overcome Overconfidence Bias?</span></b></p><p><span style="font-size: medium;">Knowing about overconfidence bias is not enough, overcoming it is very important.</span></p><p><span style="font-size: medium;">Markets are ever-changing and it is nearly impossible to predict them. While seasoned fund managers and investment professionals may get it right a few times, that does not indicate that they will continue to get it right every single time. Even after access to world-class reports and outlooks by the best investment brains, seasoned traders may also get it wrong. Hence, it is important to be realistic while taking investment decisions.</span></p><p><span style="font-size: medium;">The second way to overcome overconfidence bias is to analyze the performance of the portfolio at regular intervals such as every quarter. This will force investors to look at the losses and the bad investment decisions that they had taken in the past. It is going to shift his perspective, throw a new light, and make the investor aware that no one is perfect. This will help the investor to focus on the financial goals, his risk tolerance level, and investment horizon.</span></p><p><span style="font-size: medium;">Thirdly, investors can also take professional help. While we may like to believe that we have above-average knowledge about investing, it may not be the truth. Financial advisors will help to put things into perspective so that investors do not make blunders in their financial journey.</span></p><p><span style="font-size: medium;">Overcoming behavioral biases may not be easy. Do not give up hope and keep working towards making rational investment decisions.</span></p><p><span style="font-size: medium;"> </span></p><p><span style="font-size: medium;"> <img border="0" data-original-height="131" data-original-width="162" height="258" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEiD5tEs9VlzLi7r8lN8kE4wLamTJYpqOqyX17cxpdPR6dsqDtGvYbgLs04yukcniaVyfZ0dDX-Ut1ulpVoJydmd-qlHtNs2hR8D4tGRkhqMXKUh9teSCzSu1PFakQNDpnfBquV59PsmydG8P6yO4lRn8E860vtOJu6kdPlxFEK1FeqmXaF8miL53J0_/w320-h258/image%20(1).png" style="font-size: medium;" width="320" /> </span></p><p class="MsoNormal" style="line-height: normal; margin-bottom: 0cm; mso-layout-grid-align: none; text-autospace: none;"><b style="text-align: center;"><span style="font-family: Mangal, "serif"; font-size: 10pt;"><span lang="HI"> </span></span></b><span style="background-color: #f8f9fa; text-align: center;"><b>AMFI Registered Mutual Fund Distributor </b></span></p><p class="MsoNormal" style="line-height: normal; margin-bottom: 0cm; mso-layout-grid-align: none; text-autospace: none;"><b style="text-align: center;"><span lang="HI" style="font-family: Mangal, "serif"; font-size: 10pt;"> 6306522855</span></b></p><p class="MsoNormal" style="line-height: normal; margin-bottom: 0cm; mso-layout-grid-align: none; text-autospace: none;"><b style="text-align: center;"><span style="font-family: "Times New Roman", "serif"; font-size: 10pt;"> Hazratganj, Lucknow, </span><span lang="HI" style="font-family: Mangal, "serif"; font-size: 10pt;">226001</span></b></p><p class="MsoNormal" style="line-height: normal; margin-bottom: 0cm; mso-layout-grid-align: none; text-autospace: none;"><b style="font-family: "Times New Roman", "serif"; font-size: 10pt; text-align: center;"> customercare@vsix.co.in || www.vsix.co.in</b></p><p><span style="font-size: medium;"></span></p><p class="MsoNormal" style="line-height: normal; margin-bottom: 0cm; mso-layout-grid-align: none; text-autospace: none;"><b style="text-align: center;"><span style="font-family: Mangal, "serif"; font-size: 10pt;"> </span></b></p><p><span style="font-size: medium;"><br /></span></p><p><span style="font-size: medium;"><br /></span></p><p><span style="font-size: medium;"><br /></span></p><p><span style="font-size: medium;"><br /></span></p><p><span style="font-size: medium;"><br /></span></p>V6 ARTHGYAN LLPhttp://www.blogger.com/profile/18128509813979049058noreply@blogger.com0tag:blogger.com,1999:blog-4746449159280106368.post-41813864765124640832022-08-14T22:00:00.003-07:002022-08-14T22:00:00.196-07:00<p> <span style="font-size: x-large;"> <b><span><span style="background-color: white; color: #202124; font-family: Mangal, "serif";">अति आत्मविश्वास पूर्वाग्रह</span></span></b></span></p><p class="MsoNormal" style="background: white; line-height: normal; margin-bottom: 0cm; mso-background-themecolor: background1; tab-stops: 45.8pt 91.6pt 137.4pt 183.2pt 229.0pt 274.8pt 320.6pt 366.4pt 412.2pt 458.0pt 503.8pt 549.6pt 595.4pt 641.2pt 687.0pt 732.8pt;"><span style="color: #202124; font-family: "inherit","serif"; font-size: x-large; mso-bidi-font-family: "Courier New"; mso-fareast-font-family: "Times New Roman";"><o:p></o:p></span></p><p><br /></p><p> <a href="https://blogger.googleusercontent.com/img/a/AVvXsEj8cbfhLwa0JEP3He14C9dQ4rsw9zFdjUKHUAjA2meLkFDVNhCUuZHrj1Dng3V-HOYiczcoe4ExTr3McfQxCrBhs--MUGHgrIU2ZlfbAzd0VhPBCpUJO6eP56yYtjjamFrtt5xb3B9rVdKt9D8x_bmspm_Crbn6xbbL8gRk7DaKCzTCFYb76bjiUiwx" style="margin-left: 1em; margin-right: 1em; text-align: center;"><img alt="" data-original-height="441" data-original-width="796" height="177" src="https://blogger.googleusercontent.com/img/a/AVvXsEj8cbfhLwa0JEP3He14C9dQ4rsw9zFdjUKHUAjA2meLkFDVNhCUuZHrj1Dng3V-HOYiczcoe4ExTr3McfQxCrBhs--MUGHgrIU2ZlfbAzd0VhPBCpUJO6eP56yYtjjamFrtt5xb3B9rVdKt9D8x_bmspm_Crbn6xbbL8gRk7DaKCzTCFYb76bjiUiwx" width="320" /></a></p><p><br /></p><pre style="background: white; mso-background-themecolor: background1;"><span style="font-size: x-large;"><b><span><span class="y2iqfc"><span lang="HI" style="color: #202124; font-family: Mangal, "serif";">क्या आपके पास अति आत्मविश्वास पूर्वाग्रह है</span></span><span class="y2iqfc"><span style="color: #202124; font-family: "inherit", "serif";">?</span></span></span></b><span style="color: #202124; font-family: "inherit","serif";"><o:p></o:p></span></span></pre><p><br /></p><pre style="background: white; mso-background-themecolor: background1;"><span style="font-size: medium;"><span class="y2iqfc"><span lang="HI" style="color: #202124; font-family: "Mangal","serif"; mso-ascii-font-family: inherit; mso-hansi-font-family: inherit;">हम सभी </span></span><span class="y2iqfc"><span style="color: #202124; font-family: "inherit","serif";">'</span></span><span class="y2iqfc"><span lang="HI" style="color: #202124; font-family: "Mangal","serif"; mso-ascii-font-family: inherit; mso-hansi-font-family: inherit;">ओवर कॉन्फिडेंस</span></span><span class="y2iqfc"><span style="color: #202124; font-family: "inherit","serif";">' </span></span><span class="y2iqfc"><span lang="HI" style="color: #202124; font-family: "Mangal","serif"; mso-ascii-font-family: inherit; mso-hansi-font-family: inherit;">शब्द से परिचित हैं। जबकि आत्मविश्वास अच्छा है और बहुत </span></span></span></pre><pre style="background: white; mso-background-themecolor: background1;"><span style="font-size: medium;"><span class="y2iqfc"><span lang="HI" style="color: #202124; font-family: "Mangal","serif"; mso-ascii-font-family: inherit; mso-hansi-font-family: inherit;">आवश्यक है</span></span><span class="y2iqfc"><span style="color: #202124; font-family: "inherit","serif";">, </span></span><span class="y2iqfc"><span lang="HI" style="color: #202124; font-family: "Mangal","serif"; mso-ascii-font-family: inherit; mso-hansi-font-family: inherit;">अति आत्मविश्वास हमारी तर्कसंगत निर्णय लेने की क्षमता को धुंधला कर देता</span></span></span></pre><pre style="background: white; mso-background-themecolor: background1;"><span class="y2iqfc"><span lang="HI" style="color: #202124; font-family: "Mangal","serif"; font-size: medium; mso-ascii-font-family: inherit; mso-hansi-font-family: inherit;">है। आत्मविश्वास और अति आत्मविश्वास के बीच एक पतली रेखा होती है और यह परिणाम</span></span></pre><pre style="background: white; mso-background-themecolor: background1;"><span style="font-size: medium;"><span class="y2iqfc"><span lang="HI" style="color: #202124; font-family: "Mangal","serif"; mso-ascii-font-family: inherit; mso-hansi-font-family: inherit;">में सभी अंतर लाती है। </span></span><span lang="HI" style="color: #202124; font-family: "Mangal","serif"; mso-ascii-font-family: inherit; mso-hansi-font-family: inherit;">अति आत्मविश्वास और कुछ नहीं बल्कि अपनी क्षमताओं को अधिक</span></span></pre><pre style="background: white; mso-background-themecolor: background1;"><span style="font-size: medium;"><span lang="HI" style="color: #202124; font-family: "Mangal","serif"; mso-ascii-font-family: inherit; mso-hansi-font-family: inherit;">आंकना है। निवेश की दुनिया में</span><span class="y2iqfc"><span style="color: #202124; font-family: "inherit","serif";">, </span></span><span class="y2iqfc"><span lang="HI" style="color: #202124; font-family: "Mangal","serif"; mso-ascii-font-family: inherit; mso-hansi-font-family: inherit;">अति आत्मविश्वास एक बाधा के रूप में कार्य करता है और</span></span></span></pre><pre style="background: white; mso-background-themecolor: background1;"><span class="y2iqfc"><span lang="HI" style="color: #202124; font-family: "Mangal","serif"; font-size: medium; mso-ascii-font-family: inherit; mso-hansi-font-family: inherit;">इसे अति आत्मविश्वास पूर्वाग्रह कहा जाता है। चूंकि अति आत्मविश्वास वाले निवेशक अपने</span></span></pre><pre style="background: white; mso-background-themecolor: background1;"><span style="font-size: medium;"><span class="y2iqfc"><span lang="HI" style="color: #202124; font-family: "Mangal","serif"; mso-ascii-font-family: inherit; mso-hansi-font-family: inherit;">निवेश निर्णयों में अति आत्मविश्वास से भरे होते हैं</span></span><span class="y2iqfc"><span style="color: #202124; font-family: "inherit","serif";">, </span></span><span class="y2iqfc"><span lang="HI" style="color: #202124; font-family: "Mangal","serif"; mso-ascii-font-family: inherit; mso-hansi-font-family: inherit;">इसलिए वे खतरों की अनदेखी करते हुए </span></span></span></pre><pre style="background: white; mso-background-themecolor: background1;"><span style="font-size: medium;"><span class="y2iqfc"><span lang="HI" style="color: #202124; font-family: "Mangal","serif"; mso-ascii-font-family: inherit; mso-hansi-font-family: inherit;">जल्दबाजी में निर्णय लेने की प्रवृत्ति रखते हैं। नतीजतन</span></span><span class="y2iqfc"><span style="color: #202124; font-family: "inherit","serif";">, </span></span><span class="y2iqfc"><span lang="HI" style="color: #202124; font-family: "Mangal","serif"; mso-ascii-font-family: inherit; mso-hansi-font-family: inherit;">यह उन्हें अच्छे से ज्यादा नुकसान</span></span></span></pre><pre style="background: white; mso-background-themecolor: background1;"><span class="y2iqfc"><span lang="HI" style="color: #202124; font-family: "Mangal","serif"; font-size: medium; mso-ascii-font-family: inherit; mso-hansi-font-family: inherit;">पहुंचाता है।</span></span></pre><pre style="background: white; mso-background-themecolor: background1;"><span class="y2iqfc"><span lang="HI" style="color: #202124; font-family: Mangal, "serif";"><b><span style="font-size: x-large;">आइए एक उदाहरण की मदद से अति आत्मविश्वास की</span></b></span></span></pre><pre style="background: white; mso-background-themecolor: background1;"><span class="y2iqfc"><span lang="HI" style="color: #202124; font-family: Mangal, "serif";"><b><span style="font-size: x-large;">व्याख्या करें।</span></b></span></span><span style="color: #202124; font-family: "inherit","serif"; font-size: 14pt;"><o:p></o:p></span></pre><pre style="background: white; mso-background-themecolor: background1;"><span class="y2iqfc"><span lang="HI" style="color: #202124;"><pre style="background-attachment: initial; background-clip: initial; background-image: initial; background-origin: initial; background-position: initial; background-repeat: initial; background-size: initial; font-family: Mangal, "serif";"><span style="font-size: medium;"><span class="y2iqfc"><span lang="HI" style="font-family: Mangal, "serif";">एक निवेशक जो म्यूचुअल फंड की दुनिया में नया है</span></span><span class="y2iqfc"><span style="font-family: "inherit", "serif";">, </span></span><span class="y2iqfc"><span lang="HI" style="font-family: Mangal, "serif";">उस म्यूचुअल फंड में निवेश करना शुरू </span></span></span></pre><pre style="background-attachment: initial; background-clip: initial; background-image: initial; background-origin: initial; background-position: initial; background-repeat: initial; background-size: initial; font-family: Mangal, "serif";"><span class="y2iqfc"><span lang="HI" style="font-family: Mangal, "serif"; font-size: medium;">कर देता है जिसने पिछले एक साल में सबसे अच्छा प्रदर्शन दिया है। फंड ने अन्य कुछ महीनों </span></span></pre><pre style="background-attachment: initial; background-clip: initial; background-image: initial; background-origin: initial; background-position: initial; background-repeat: initial; background-size: initial; font-family: Mangal, "serif";"><span class="y2iqfc"><span lang="HI" style="font-family: Mangal, "serif"; font-size: medium;">के लिए बेहतर प्रदर्शन जारी रखा है। निवेशक फंड में पैसा जोड़ना जारी रखता है। हाल की वृद्धि</span></span></pre><pre style="background-attachment: initial; background-clip: initial; background-image: initial; background-origin: initial; background-position: initial; background-repeat: initial; background-size: initial; font-family: Mangal, "serif";"><span style="font-size: medium;"><span class="y2iqfc"><span lang="HI" style="font-family: Mangal, "serif";">के कारण</span></span><span class="y2iqfc"><span style="font-family: "inherit", "serif";">, </span></span><span class="y2iqfc"><span lang="HI" style="font-family: Mangal, "serif";">निवेशक अति आत्मविश्वास से भर जाता है और अपने निवेश कौशल को अधिक महत्व </span></span></span></pre><pre style="background-attachment: initial; background-clip: initial; background-image: initial; background-origin: initial; background-position: initial; background-repeat: initial; background-size: initial; font-family: Mangal, "serif";"><span style="font-size: medium;"><span class="y2iqfc"><span lang="HI" style="font-family: Mangal, "serif";">देना शुरू कर देता है। हालांकि</span></span><span class="y2iqfc"><span style="font-family: "inherit", "serif";">, </span></span><span class="y2iqfc"><span lang="HI" style="font-family: Mangal, "serif";">उन्होंने फंड को लेकर कोई रिसर्च नहीं की है। फंड एक सेक्टोरल </span></span></span></pre><pre style="background-attachment: initial; background-clip: initial; background-image: initial; background-origin: initial; background-position: initial; background-repeat: initial; background-size: initial; font-family: Mangal, "serif";"><span lang="HI" style="font-family: Mangal, "serif"; font-size: medium;">फंड है (सेक्टोरल फंड किसी विशेष क्षेत्र में निवेश करता है) और फंड का प्रदर्शन स्थिर होने लगता</span></pre><pre style="background-attachment: initial; background-clip: initial; background-image: initial; background-origin: initial; background-position: initial; background-repeat: initial; background-size: initial; font-family: Mangal, "serif";"><span style="font-size: medium;"><span lang="HI" style="font-family: Mangal, "serif";">है। जैसा कि वह अति आत्मविश्वास में है</span><span class="y2iqfc" style="font-family: Mangal, "serif";"><span style="font-family: "inherit", "serif";">, </span></span><span class="y2iqfc" style="font-family: Mangal, "serif";"><span lang="HI">वह निवेश करना जारी रखता है।</span></span></span></pre><pre style="background-attachment: initial; background-clip: initial; background-image: initial; background-origin: initial; background-position: initial; background-repeat: initial; background-size: initial; font-family: Mangal, "serif";"><span class="y2iqfc" style="font-family: Mangal, "serif";"><span lang="HI" style="font-size: medium;">यह अति आत्मविश्वास का एक विशिष्ट मामला है क्योंकि निवेशक ने वित्तीय सलाहकार से परामर्श</span></span></pre><pre style="background-attachment: initial; background-clip: initial; background-image: initial; background-origin: initial; background-position: initial; background-repeat: initial; background-size: initial; font-family: Mangal, "serif";"><span class="y2iqfc" style="font-family: Mangal, "serif";"><span lang="HI" style="font-size: medium;">किए बिना निर्णय लिया और माना कि वह बेहतर जानता था.</span></span></pre><pre style="background-attachment: initial; background-clip: initial; background-image: initial; background-origin: initial; background-position: initial; background-repeat: initial; background-size: initial; font-family: Mangal, "serif";"><span class="y2iqfc" style="font-family: Mangal, "serif";"><span lang="HI"><b><span style="font-size: x-large;">अति आत्मविश्वास पूर्वाग्रह का क्या कारण है</span></b></span></span></pre><pre style="background-attachment: initial; background-clip: initial; background-image: initial; background-origin: initial; background-position: initial; background-repeat: initial; background-size: initial;"><span class="y2iqfc"><span lang="HI"><pre style="background-attachment: initial; background-clip: initial; background-image: initial; background-origin: initial; background-position: initial; background-repeat: initial; background-size: initial; font-family: Mangal, "serif";"><span class="y2iqfc"><span lang="HI" style="font-family: Mangal, "serif"; font-size: medium;">व्यवहार संबंधी पूर्वाग्रह अन्य पूर्वाग्रहों के लिए अनन्य नहीं हैं। अन्य पूर्वाग्रह जैसे स्वयं सेवक </span></span></pre><pre style="background-attachment: initial; background-clip: initial; background-image: initial; background-origin: initial; background-position: initial; background-repeat: initial; background-size: initial; font-family: Mangal, "serif";"><span style="font-size: medium;"><span class="y2iqfc"><span lang="HI" style="font-family: Mangal, "serif";">पूर्वाग्रह और भ्रमपूर्ण श्रेष्ठता अति आत्मविश्वास पूर्वाग्रह के कुछ कारण हैं। स्वार्थी पूर्वाग्रह में</span></span><span class="y2iqfc"><span style="font-family: "inherit", "serif";">,</span></span></span></pre><pre style="background-attachment: initial; background-clip: initial; background-image: initial; background-origin: initial; background-position: initial; background-repeat: initial; background-size: initial; font-family: Mangal, "serif";"><span style="font-size: medium;"><span class="y2iqfc"><span style="font-family: "inherit", "serif";"> </span></span><span class="y2iqfc"><span lang="HI" style="font-family: Mangal, "serif";">निवेशक सफलता का श्रेय अपनी विशेषज्ञता और हानियों को दुर्भाग्य को देते हैं। शेयर बाजार </span></span></span></pre><pre style="background-attachment: initial; background-clip: initial; background-image: initial; background-origin: initial; background-position: initial; background-repeat: initial; background-size: initial; font-family: Mangal, "serif";"><span style="font-size: medium;"><span class="y2iqfc"><span lang="HI" style="font-family: Mangal, "serif";">के बारे में कोई भी जानकारी जो निवेशक के पूर्वानुमान के अनुरूप हो</span></span><span class="y2iqfc"><span style="font-family: "inherit", "serif";">, </span></span><span class="y2iqfc"><span lang="HI" style="font-family: Mangal, "serif";">उससे निवेशक का विश्वास </span></span></span></pre><pre style="background-attachment: initial; background-clip: initial; background-image: initial; background-origin: initial; background-position: initial; background-repeat: initial; background-size: initial; font-family: Mangal, "serif";"><span style="font-size: medium;"><span class="y2iqfc"><span lang="HI" style="font-family: Mangal, "serif";">बढ़ेगा। समय बीतने के साथ</span></span><span class="y2iqfc"><span style="font-family: "inherit", "serif";">, </span></span><span class="y2iqfc"><span lang="HI" style="font-family: Mangal, "serif";">सही भविष्यवाणियां निवेशकों को अपने निवेश निर्णयों में अत्यधिक </span></span></span></pre><pre style="background-attachment: initial; background-clip: initial; background-image: initial; background-origin: initial; background-position: initial; background-repeat: initial; background-size: initial; font-family: Mangal, "serif";"><span style="font-size: medium;"><span class="y2iqfc"><span lang="HI" style="font-family: Mangal, "serif";">आश्वस्त करती हैं। यह एक तरीका है जो अति आत्मविश्वास पूर्वाग्रह को जन्म देता है।</span></span><span style="font-family: "inherit", "serif";"><o:p></o:p></span></span></pre><pre style="background-attachment: initial; background-clip: initial; background-image: initial; background-origin: initial; background-position: initial; background-repeat: initial; background-size: initial;"><span class="y2iqfc"><span lang="HI"><pre style="background-attachment: initial; background-clip: initial; background-image: initial; background-origin: initial; background-position: initial; background-repeat: initial; background-size: initial; font-family: Mangal, "serif";"><span class="y2iqfc"><span lang="HI" style="font-family: Mangal, "serif"; font-size: medium;">भ्रामक श्रेष्ठता निवेशकों को यह विश्वास दिलाती है कि उनके पास पहले से कहीं अधिक निवेश </span></span></pre><pre style="background-attachment: initial; background-clip: initial; background-image: initial; background-origin: initial; background-position: initial; background-repeat: initial; background-size: initial; font-family: Mangal, "serif";"><span style="font-size: medium;"><span class="y2iqfc"><span lang="HI" style="font-family: Mangal, "serif";">कौशल है। जबकि आत्मविश्वास अच्छा है</span></span><span class="y2iqfc"><span style="font-family: "inherit", "serif";">, </span></span><span class="y2iqfc"><span lang="HI" style="font-family: Mangal, "serif";">अति आत्मविश्वास</span></span><span class="y2iqfc"><span style="font-family: "inherit", "serif";">, </span></span><span class="y2iqfc"><span lang="HI" style="font-family: Mangal, "serif";">विशेष रूप से निवेश के मामलों </span></span></span></pre><pre style="background-attachment: initial; background-clip: initial; background-image: initial; background-origin: initial; background-position: initial; background-repeat: initial; background-size: initial; font-family: Mangal, "serif";"><span style="font-size: medium;"><span class="y2iqfc"><span lang="HI" style="font-family: Mangal, "serif";">में</span></span><span class="y2iqfc"><span style="font-family: "inherit", "serif";">, </span></span><span class="y2iqfc"><span lang="HI" style="font-family: Mangal, "serif";">खतरनाक हो सकता है। यह अति आत्मविश्वास पूर्वाग्रह पोर्टफोलियो पर विपरीत प्रभाव डाल </span></span></span></pre><pre style="background-attachment: initial; background-clip: initial; background-image: initial; background-origin: initial; background-position: initial; background-repeat: initial; background-size: initial;"><span style="font-size: medium;"><span class="y2iqfc"><span lang="HI" style="font-family: Mangal, "serif";">सकता है।</span></span><span lang="HI" style="font-family: Mangal, "serif";">नतीजतन</span><span class="y2iqfc" style="font-family: Mangal, "serif";"><span style="font-family: "inherit", "serif";">, </span></span><span class="y2iqfc" style="font-family: Mangal, "serif";"><span lang="HI">निवेशक हाल के लाभ को याद करते हैं लेकिन उनके द्वारा किए गए </span></span></span></pre><pre style="background-attachment: initial; background-clip: initial; background-image: initial; background-origin: initial; background-position: initial; background-repeat: initial; background-size: initial;"><span class="y2iqfc" style="font-family: Mangal, "serif";"><span lang="HI" style="font-size: medium;">नुकसान के बारे में भूल जाते हैं।.</span></span></pre><pre style="background-attachment: initial; background-clip: initial; background-image: initial; background-origin: initial; background-position: initial; background-repeat: initial; background-size: initial;"><span class="y2iqfc" style="font-family: Mangal, "serif";"><span lang="HI"><b><span style="font-size: x-large;">अति आत्मविश्वास पूर्वाग्रह के प्रभाव क्या हैं</span></b></span></span></pre><pre style="background-attachment: initial; background-clip: initial; background-image: initial; background-origin: initial; background-position: initial; background-repeat: initial; background-size: initial;"><span class="y2iqfc"><span lang="HI"><pre style="background-attachment: initial; background-clip: initial; background-image: initial; background-origin: initial; background-position: initial; background-repeat: initial; background-size: initial; font-family: Mangal, "serif";"><span style="font-size: medium;"><span class="y2iqfc"><span lang="HI" style="font-family: Mangal, "serif";">जैसा कि अति आत्मविश्वास वाले निवेशक अपने निवेश कौशल को अधिक महत्व देते हैं</span></span><span class="y2iqfc"><span style="font-family: "inherit", "serif";">, </span></span></span></pre><pre style="background-attachment: initial; background-clip: initial; background-image: initial; background-origin: initial; background-position: initial; background-repeat: initial; background-size: initial; font-family: Mangal, "serif";"><span class="y2iqfc"><span lang="HI" style="font-family: Mangal, "serif"; font-size: medium;">वे अधिक जोखिम भरे निवेश निर्णय लेने की तुलना में वे पचा सकते हैं। वे पुरस्कारों को </span></span></pre><pre style="background-attachment: initial; background-clip: initial; background-image: initial; background-origin: initial; background-position: initial; background-repeat: initial; background-size: initial; font-family: Mangal, "serif";"><span style="font-size: medium;"><span class="y2iqfc"><span lang="HI" style="font-family: Mangal, "serif";">कम आंकते हैं और जोखिमों को कम आंकते हैं।</span></span><span style="font-family: "inherit", "serif";"><o:p></o:p></span></span></pre><pre style="background-attachment: initial; background-clip: initial; background-image: initial; background-origin: initial; background-position: initial; background-repeat: initial; background-size: initial;"><span class="y2iqfc"><span lang="HI"><pre style="background-attachment: initial; background-clip: initial; background-image: initial; background-origin: initial; background-position: initial; background-repeat: initial; background-size: initial; font-family: Mangal, "serif";"><span style="font-size: medium;"><span class="y2iqfc"><span lang="HI" style="font-family: Mangal, "serif";">इसके अलावा</span></span><span class="y2iqfc"><span style="font-family: "inherit", "serif";">, </span></span><span class="y2iqfc"><span lang="HI" style="font-family: Mangal, "serif";">ये निवेशक अधिक सक्रिय व्यापारी होते हैं या थोड़े समय में एक म्यूचुअल </span></span></span></pre><pre style="background-attachment: initial; background-clip: initial; background-image: initial; background-origin: initial; background-position: initial; background-repeat: initial; background-size: initial; font-family: Mangal, "serif";"><span class="y2iqfc"><span lang="HI" style="font-family: Mangal, "serif"; font-size: medium;">फंड से दूसरे फंड में कूद सकते हैं। यह निरंतर फेरबदल और व्यापार निवेश की लागत को </span></span></pre><pre style="background-attachment: initial; background-clip: initial; background-image: initial; background-origin: initial; background-position: initial; background-repeat: initial; background-size: initial; font-family: Mangal, "serif";"><span class="y2iqfc"><span lang="HI" style="font-family: Mangal, "serif"; font-size: medium;">बढ़ा सकता है जो निवेश विकल्पों द्वारा प्राप्त रिटर्न को खा सकता है।</span></span></pre><pre style="background-attachment: initial; background-clip: initial; background-image: initial; background-origin: initial; background-position: initial; background-repeat: initial; background-size: initial; font-family: Mangal, "serif";"><span class="y2iqfc"><span lang="HI" style="font-family: Mangal, "serif"; font-size: medium;">अति आत्मविश्वास वाले निवेशकों को जैसे पेशेवरों से निवेश सहायता प्राप्त करना कठिन </span></span></pre><pre style="background-attachment: initial; background-clip: initial; background-image: initial; background-origin: initial; background-position: initial; background-repeat: initial; background-size: initial; font-family: Mangal, "serif";"><span style="font-size: medium;"><span class="y2iqfc"><span lang="HI" style="font-family: Mangal, "serif";">लगता है। नतीजतन</span></span><span class="y2iqfc"><span style="font-family: "inherit", "serif";">, </span></span><span class="y2iqfc"><span lang="HI" style="font-family: Mangal, "serif";">वे अपने आत्मविश्वास के स्तर के अनुसार खरीदने और बेचने के दुष्चक्र </span></span></span></pre><pre style="background-attachment: initial; background-clip: initial; background-image: initial; background-origin: initial; background-position: initial; background-repeat: initial; background-size: initial; font-family: Mangal, "serif";"><span class="y2iqfc"><span lang="HI" style="font-family: Mangal, "serif"; font-size: medium;">में फंस जाते हैं। यह निवेशकों को पर्याप्त लाभ कमाने या धन बनाने नहीं देता है।</span></span><span style="font-family: "inherit", "serif"; font-size: 14pt;"><o:p></o:p></span></pre><pre style="background-attachment: initial; background-clip: initial; background-image: initial; background-origin: initial; background-position: initial; background-repeat: initial; background-size: initial; font-family: Mangal, "serif";"><span class="y2iqfc"><span lang="HI" style="font-family: Mangal, "serif";"><b><span style="font-size: x-large;">अति आत्मविश्वास पूर्वाग्रह को कैसे दूर करें<span face="Arial, "sans-serif"" style="background: rgb(248, 249, 250);">?</span></span></b></span></span></pre><pre style="background-attachment: initial; background-clip: initial; background-image: initial; background-origin: initial; background-position: initial; background-repeat: initial; background-size: initial; font-family: Mangal, "serif";"><span style="font-size: medium;"><span class="y2iqfc"><span lang="HI" style="font-family: Mangal, "serif";">अति आत्मविश्वास पूर्वाग्रह के बारे में जानना पर्याप्त नहीं है</span></span><span class="y2iqfc"><span style="font-family: "inherit", "serif";">, </span></span><span class="y2iqfc"><span lang="HI" style="font-family: Mangal, "serif";">इस पर काबू पाना बहुत </span></span></span></pre><pre style="background-attachment: initial; background-clip: initial; background-image: initial; background-origin: initial; background-position: initial; background-repeat: initial; background-size: initial; font-family: Mangal, "serif";"><span style="font-size: medium;"><span class="y2iqfc"><span lang="HI" style="font-family: Mangal, "serif";">महत्वपूर्ण है।</span></span><span class="y2iqfc"><span lang="HI"><o:p></o:p></span></span></span></pre><pre style="background-attachment: initial; background-clip: initial; background-image: initial; background-origin: initial; background-position: initial; background-repeat: initial; background-size: initial; font-family: Mangal, "serif";"><span class="y2iqfc"><span lang="HI" style="font-family: Mangal, "serif"; font-size: medium;">बाजार हमेशा बदल रहे हैं और इसकी भविष्यवाणी करना लगभग असंभव है। हालांकि अनुभवी</span></span></pre><pre style="background-attachment: initial; background-clip: initial; background-image: initial; background-origin: initial; background-position: initial; background-repeat: initial; background-size: initial; font-family: Mangal, "serif";"><span style="font-size: medium;"><span class="y2iqfc"><span lang="HI" style="font-family: Mangal, "serif";">फंड मैनेजर और निवेश पेशेवर इसे कई बार सही कर सकते हैं</span></span><span class="y2iqfc"><span style="font-family: "inherit", "serif";">, </span></span><span class="y2iqfc"><span lang="HI" style="font-family: Mangal, "serif";">लेकिन इसका मतलब यह </span></span></span></pre><pre style="background-attachment: initial; background-clip: initial; background-image: initial; background-origin: initial; background-position: initial; background-repeat: initial; background-size: initial; font-family: Mangal, "serif";"><span class="y2iqfc"><span lang="HI" style="font-family: Mangal, "serif"; font-size: medium;">नहीं है कि वे इसे हर बार सही करना जारी रखेंगे। विश्व स्तरीय रिपोर्ट और सर्वोत्तम निवेश</span></span></pre><pre style="background-attachment: initial; background-clip: initial; background-image: initial; background-origin: initial; background-position: initial; background-repeat: initial; background-size: initial;"><span style="font-size: medium;"><span class="y2iqfc" style="font-family: Mangal, "serif";"><span lang="HI" style="font-family: Mangal, "serif";">दिमाग के दृष्टिकोण के बाद भी</span></span><span class="y2iqfc" style="font-family: Mangal, "serif";"><span style="font-family: "inherit", "serif";">, </span></span><span class="y2iqfc"><span lang="HI" style="font-family: Mangal, "serif";">अनुभवी व्यापारियों को भी यह गलत लग सकता है। इसलिए</span></span></span></pre><pre style="background-attachment: initial; background-clip: initial; background-image: initial; background-origin: initial; background-position: initial; background-repeat: initial; background-size: initial;"><span style="font-size: medium;">निवेश के फैसले लेते समय यथार्थवादी होना जरूरी है।</span></pre><pre style="background-attachment: initial; background-clip: initial; background-image: initial; background-origin: initial; background-position: initial; background-repeat: initial; background-size: initial;"><span style="font-size: medium;"><o:p></o:p></span></pre><pre style="background-attachment: initial; background-clip: initial; background-image: initial; background-origin: initial; background-position: initial; background-repeat: initial; background-size: initial; font-family: Mangal, "serif";"><span class="y2iqfc"><span lang="HI" style="font-family: Mangal, "serif"; font-size: medium;">हर तिमाही जैसे नियमित अंतराल पर पोर्टफोलियो के प्रदर्शन का विश्लेषण करने के लिए अति</span></span></pre><pre style="background-attachment: initial; background-clip: initial; background-image: initial; background-origin: initial; background-position: initial; background-repeat: initial; background-size: initial; font-family: Mangal, "serif";"><span class="y2iqfc"><span lang="HI" style="font-family: Mangal, "serif"; font-size: medium;">आत्मविश्वास पूर्वाग्रह को दूर करने का दूसरा तरीका। यह निवेशकों को नुकसान और उनके </span></span></pre><pre style="background-attachment: initial; background-clip: initial; background-image: initial; background-origin: initial; background-position: initial; background-repeat: initial; background-size: initial; font-family: Mangal, "serif";"><span class="y2iqfc"><span lang="HI" style="font-family: Mangal, "serif"; font-size: medium;">द्वारा अतीत में लिए गए फैसलों को देखने के लिए मजबूर करेगा। यह उनके दृष्टिकोण को </span></span></pre><pre style="background-attachment: initial; background-clip: initial; background-image: initial; background-origin: initial; background-position: initial; background-repeat: initial; background-size: initial; font-family: Mangal, "serif";"><span style="font-size: medium;"><span class="y2iqfc"><span lang="HI" style="font-family: Mangal, "serif";">बदलने वाला है</span></span><span class="y2iqfc"><span style="font-family: "inherit", "serif";">, </span></span><span class="y2iqfc"><span lang="HI" style="font-family: Mangal, "serif";">एक नई रोशनी डालने वाला है</span></span><span class="y2iqfc"><span style="font-family: "inherit", "serif";">, </span></span><span class="y2iqfc"><span lang="HI" style="font-family: Mangal, "serif";">और निवेशक को जागरूक करेगा कि कोई भी</span></span></span></pre><pre style="background-attachment: initial; background-clip: initial; background-image: initial; background-origin: initial; background-position: initial; background-repeat: initial; background-size: initial; font-family: Mangal, "serif";"><span style="font-size: medium;"><span class="y2iqfc"><span lang="HI" style="font-family: Mangal, "serif";">व्यक्ति पूर्ण नहीं है। इससे निवेशक को वित्तीय लक्ष्यों</span></span><span class="y2iqfc"><span style="font-family: "inherit", "serif";">, </span></span><span class="y2iqfc"><span lang="HI" style="font-family: Mangal, "serif";">उसके जोखिम सहने के स्तर और निवेश</span></span></span></pre><pre style="background-attachment: initial; background-clip: initial; background-image: initial; background-origin: initial; background-position: initial; background-repeat: initial; background-size: initial; font-family: Mangal, "serif";"><span style="font-size: medium;"><span class="y2iqfc"><span lang="HI" style="font-family: Mangal, "serif";">की अवधि पर ध्यान केंद्रित करने में मदद मिलेगी।</span></span><span style="font-family: "inherit", "serif";"><o:p></o:p></span></span></pre><pre style="background-attachment: initial; background-clip: initial; background-image: initial; background-origin: initial; background-position: initial; background-repeat: initial; background-size: initial;"><span style="font-size: medium;"><span class="y2iqfc"><span lang="HI" style="font-family: Mangal, "serif";">तीसरा</span></span><span class="y2iqfc"><span style="font-family: "inherit", "serif";">, </span></span><span class="y2iqfc"><span lang="HI" style="font-family: Mangal, "serif";">निवेशक पेशेवर मदद भी ले सकते हैं। हालांकि हम यह मानना पसंद कर सकते हैं कि </span></span></span></pre><pre style="background-attachment: initial; background-clip: initial; background-image: initial; background-origin: initial; background-position: initial; background-repeat: initial; background-size: initial;"><span style="font-size: medium;"><span class="y2iqfc"><span lang="HI" style="font-family: Mangal, "serif";">हमारे पास निवेश के बारे में औसत ज्ञान है</span></span><span class="y2iqfc"><span style="font-family: "inherit", "serif";">, </span></span><span class="y2iqfc"><span lang="HI" style="font-family: Mangal, "serif";">यह सच नहीं हो सकता है। वित्तीय सलाहकार</span></span></span></pre><pre style="background-attachment: initial; background-clip: initial; background-image: initial; background-origin: initial; background-position: initial; background-repeat: initial; background-size: initial;"><span style="font-size: medium;"><span class="y2iqfc"><span lang="HI" style="font-family: Mangal, "serif";">लगाने में मदद करेंगे </span></span><span>चीजों को परिप्रेक्ष्य में रखें ताकि निवेशक अपनी वित्तीय यात्रा में गलती न करें।</span></span></pre><pre style="background-attachment: initial; background-clip: initial; background-image: initial; background-origin: initial; background-position: initial; background-repeat: initial; background-size: initial;"><span style="font-size: medium;"><o:p></o:p></span></pre><pre style="background-attachment: initial; background-clip: initial; background-image: initial; background-origin: initial; background-position: initial; background-repeat: initial; background-size: initial;"><span class="y2iqfc"><span lang="HI" style="font-family: Mangal, "serif"; font-size: medium;">व्यवहार संबंधी पूर्वाग्रहों पर काबू पाना आसान नहीं हो सकता है। उम्मीद न छोड़ें और तर्कसंगत</span></span></pre><pre style="background-attachment: initial; background-clip: initial; background-image: initial; background-origin: initial; background-position: initial; background-repeat: initial; background-size: initial;"><span class="y2iqfc"><span lang="HI" style="font-family: Mangal, "serif"; font-size: medium;">निवेश निर्णय लेने की दिशा में काम करते रहें.</span></span></pre><div class="separator" style="clear: both; text-align: center;"><span lang="HI" style="font-family: Mangal, "serif"; font-size: 14pt; margin-left: 1em; margin-right: 1em;"> <img border="0" data-original-height="131" data-original-width="162" height="258" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEiD5tEs9VlzLi7r8lN8kE4wLamTJYpqOqyX17cxpdPR6dsqDtGvYbgLs04yukcniaVyfZ0dDX-Ut1ulpVoJydmd-qlHtNs2hR8D4tGRkhqMXKUh9teSCzSu1PFakQNDpnfBquV59PsmydG8P6yO4lRn8E860vtOJu6kdPlxFEK1FeqmXaF8miL53J0_/w320-h258/image%20(1).png" style="color: black; font-family: "Times New Roman"; font-size: medium; white-space: normal;" width="320" /></span></div><p class="MsoNormal" style="color: black; font-family: "Times New Roman"; line-height: normal; margin-bottom: 0cm; mso-layout-grid-align: none; text-autospace: none; white-space: normal;"><span style="background-color: #f8f9fa; text-align: center;"><b> AMFI Registered Mutual Fund Distributor </b></span></p><p class="MsoNormal" style="color: black; font-family: "Times New Roman"; line-height: normal; margin-bottom: 0cm; mso-layout-grid-align: none; text-autospace: none; white-space: normal;"><b style="text-align: center;"><span lang="HI" style="font-family: Mangal, "serif"; font-size: 10pt;"> 6306522855</span></b></p><p class="MsoNormal" style="color: black; font-family: "Times New Roman"; line-height: normal; margin-bottom: 0cm; mso-layout-grid-align: none; text-autospace: none; white-space: normal;"><b style="text-align: center;"><span style="font-family: "Times New Roman", "serif"; font-size: 10pt;"> Hazratganj, Lucknow, </span><span lang="HI" style="font-family: Mangal, "serif"; font-size: 10pt;">226001</span></b></p><p class="MsoNormal" style="color: black; font-family: "Times New Roman"; line-height: normal; margin-bottom: 0cm; mso-layout-grid-align: none; text-autospace: none; white-space: normal;"><b style="font-family: "Times New Roman", "serif"; font-size: 10pt; text-align: center;"> customercare@vsix.co.in || www.vsix.co.in</b></p><p style="color: black; font-family: "Times New Roman"; white-space: normal;"><span style="font-size: medium;"></span></p><p class="MsoNormal" style="color: black; font-family: "Times New Roman"; line-height: normal; margin-bottom: 0cm; mso-layout-grid-align: none; text-autospace: none; white-space: normal;"><b style="text-align: center;"><span style="font-family: Mangal, "serif"; font-size: 10pt;"> </span></b></p>
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</span></span></span></pre></span></span></pre><pre style="background-attachment: initial; background-clip: initial; background-image: initial; background-origin: initial; background-position: initial; background-repeat: initial; background-size: initial;"><span class="y2iqfc" style="font-family: Mangal, "serif";"><span lang="HI"><b><span style="font-size: x-large;"><br /></span></b></span></span></pre><pre style="background-attachment: initial; background-clip: initial; background-image: initial; background-origin: initial; background-position: initial; background-repeat: initial; background-size: initial; font-size: 14pt;"><span class="y2iqfc" style="font-family: Mangal, "serif"; font-size: 14pt;"><span lang="HI" style="font-size: 14pt;"><br /></span></span></pre></span></span></pre></span></span></pre></span></span></pre>V6 ARTHGYAN LLPhttp://www.blogger.com/profile/18128509813979049058noreply@blogger.com0tag:blogger.com,1999:blog-4746449159280106368.post-5579518683666843492022-07-31T21:40:00.001-07:002022-07-31T21:40:51.407-07:00<p> <span style="font-size: x-large;"><b> Different Types of SIPs</b></span></p><div class="separator" style="clear: both; text-align: center;"><a href="https://blogger.googleusercontent.com/img/a/AVvXsEhfBDgX5iNdIDDyrO9vzJ_p-Ke80oRX0uF41FiLUuGw3rdMUxmUzMb2Pa2Lakv3kMqELABpdUAVmJlSV17k-3-HKs3JJ4FJe_icUVe0-1quncOdjtGtiCJ8L0pvdJgt9hjq7bxAKbH0PdjE3rdY3dStPMO3FmrW-0muGbDJ8iOOorFhDOgYFRShlgW-" style="margin-left: 1em; margin-right: 1em;"><img alt="" data-original-height="472" data-original-width="941" height="161" src="https://blogger.googleusercontent.com/img/a/AVvXsEhfBDgX5iNdIDDyrO9vzJ_p-Ke80oRX0uF41FiLUuGw3rdMUxmUzMb2Pa2Lakv3kMqELABpdUAVmJlSV17k-3-HKs3JJ4FJe_icUVe0-1quncOdjtGtiCJ8L0pvdJgt9hjq7bxAKbH0PdjE3rdY3dStPMO3FmrW-0muGbDJ8iOOorFhDOgYFRShlgW-" width="320" /></a></div><p><br /></p><p><br /></p><p><b><span style="font-size: x-large;">What are the Different Types of SIPs?</span></b></p><p><b><span style="font-size: x-large;"><br /></span></b></p><p><b><span style="font-size: medium;">“Success isn’t always about greatness. It’s about consistency. Consistent hard work leads to success. Greatness will come.” – Dwayne Johnson</span></b></p><p><span style="font-size: medium;">It requires consistency to achieve a lot of things in life. Similarly, if you want to achieve your financial goals, you need to invest regularly. Mutual fund is an easy investment option for individual investors. As per your financial goals and risk tolerance, you can choose the best mutual funds to serve your purpose. Systematic Investment Plan (SIP) is a route to invest in mutual funds through which you can invest a pre-determined amount at regular intervals. In this way, you will achieve your financial goals.</span></p><p><span style="font-size: medium;">Moreover, to make it easy for investors to continue investing, fund houses offer four types of SIP to their investors.</span></p><p><span style="font-size: medium;"><br /></span></p><p><span style="font-size: x-large;"><b>Types of Systematic Investment Plans(SIP)</b></span></p><p><span style="font-size: x-large;"><b><br /></b></span></p><p><span style="font-size: medium;">Flexible SIP, Trigger SIP, Top-up SIP and perpetual SIP are the four types of SIP. Here’s how you can avail the benefits.</span></p><p><span style="font-size: medium;"><br /></span></p><p><b><span style="font-size: x-large;">Flexible SIP</span></b></p><p><b><span style="font-size: x-large;"><br /></span></b></p><p><span style="font-size: medium;">Flexible SIP allows investors to be flexible with their SIP amount. You can increase, decrease or pause your SIP amount as per your financial conditions. With the help of this facility, you can decrease or pause your SIP amount when you cannot invest the entire amount. In this way, you don't have to stop your investments and you can continue to build wealth. Similarly, you can increase the SIP amount after a rise or hike in your salary.</span></p><p><br /></p><p><b><span style="font-size: x-large;">Step-Up SIP or Top Up SIP</span></b></p><p><br /></p><p><span style="font-size: medium;">Increase your SIP regularly to reach your financial goals faster through Step-Up SIP. With the help of Top up SIP, you can top up your SIP by a certain percentage at a regular interval, say every year. The Step-Up SIP amount may depend on the expected increase in yearly income. E.g. if your current SIP is Rs.10,000 and you want to increase the amount by 10%, then your monthly SIP amount for the next year will be Rs.11,000. In the third year, your monthly SIP will stand at Rs.12,100.</span></p><p><span style="font-size: medium;">E.g. let us assume that you are investing Rs.20,000 through SIP. You want to continue investing for15 years. So, at the end of 15 years and at 12% CAGR, you will accumulate Rs.1 crore.</span></p><p><span style="font-size: medium;">Lets take another situation where you increase your SIP by 10% every year. In that case, you will invest Rs.20,000 in the first year, Rs.22,000 in the second year, and so on. After 15 years at unexpected 12% CAGR, you will build a corpus of Rs. 1.7 crore by investing Rs. 76.25 Lakhs.</span></p><p><span style="font-size: medium;"><br /></span></p><p><span style="font-size: x-large;"><b>Trigger SIP</b></span></p><p><span style="font-size: x-large;"><b><br /></b></span></p><p><span style="font-size: medium;">In trigger SIP facility, mutual fund houses redeem a portion of the investment of the entire investment in one fund to another fund after it activates a certain trigger. NAV trigger, Index level rigger, capital trigger and time-based triggers can be a few types of triggers.</span></p><p><span style="font-size: medium;">This facility is used by seasoned investors who understand the working of mutual fund and markets. Newbie investors and people who don’t clearly understand the market should not take this facility.</span></p><p><span style="font-size: x-large;"><b>Perpetual SIP</b></span></p><p><span style="font-size: x-large;"><b><br /></b></span></p><p><span style="font-size: medium;">Perpetual SIP does not have a SIP termination date. Typically, investors can opt for 1-year SIP, 5-year SIP, etc. Here, investors have to set up a new SIP after the SIP termination date if they want to continue investing through SIP. However, in perpetual SIP, investors don’t have to worry about termination date and they can keep on investing as long as required to achieve their financial goals. It is the best option for investors with long-term financial goals.</span></p><p><span style="font-size: medium;"><br /></span></p><p><b><span style="font-size: x-large;">Conclusion:</span></b></p><p><br /></p><p><span style="font-size: medium;">Systematic Investment Plan (SIP) is a great investment facility for investors looking to achieve financial goals by making regular investments at a predetermined interval. Fund houses offer four types of SIP to make it easier for investors to invest in mutual funds as per their requirement. Flexible SIP, Trigger SIP, Top-up SIP and Perpetual SIP are the four types of Systematic Investment Plan. Contact us to know more.</span></p><p><span style="font-size: medium;">This blog is purely for educational purpose and not to be treated as an personal advice. Mutual fund investments are subject to market risks, Read all scheme related documents carefully.</span></p><p><br /></p><p><br /></p><p> <img border="0" data-original-height="131" data-original-width="162" height="258" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEiD5tEs9VlzLi7r8lN8kE4wLamTJYpqOqyX17cxpdPR6dsqDtGvYbgLs04yukcniaVyfZ0dDX-Ut1ulpVoJydmd-qlHtNs2hR8D4tGRkhqMXKUh9teSCzSu1PFakQNDpnfBquV59PsmydG8P6yO4lRn8E860vtOJu6kdPlxFEK1FeqmXaF8miL53J0_/w320-h258/image%20(1).png" width="320" /> </p><p class="MsoNormal" style="line-height: normal; margin-bottom: 0cm; mso-layout-grid-align: none; text-autospace: none;"><b style="text-align: center;"><span style="font-family: Mangal, "serif"; font-size: 10pt;"><span lang="HI"> </span></span></b><span style="background-color: #f8f9fa; text-align: center;"><b>AMFI Registered Mutual Fund Distributor </b></span></p><p class="MsoNormal" style="line-height: normal; margin-bottom: 0cm; mso-layout-grid-align: none; text-autospace: none;"><b style="text-align: center;"><span lang="HI" style="font-family: Mangal, "serif"; font-size: 10pt;"> 6306522855</span></b></p><p class="MsoNormal" style="line-height: normal; margin-bottom: 0cm; mso-layout-grid-align: none; text-autospace: none;"><b style="text-align: center;"><span style="font-family: "Times New Roman", "serif"; font-size: 10pt;"> Hazratganj, Lucknow, </span><span lang="HI" style="font-family: Mangal, "serif"; font-size: 10pt;">226001</span></b></p><p class="MsoNormal" style="line-height: normal; margin-bottom: 0cm; mso-layout-grid-align: none; text-autospace: none;"><b style="font-family: "Times New Roman", "serif"; font-size: 10pt; text-align: center;"> customercare@vsix.co.in || www.vsix.co.in</b></p><p class="MsoNormal" style="line-height: normal; margin-bottom: 0cm; mso-layout-grid-align: none; text-autospace: none;"><b style="text-align: center;"><span style="font-family: Mangal, "serif"; font-size: 10pt;"> </span></b></p><p align="center" class="MsoNormal" style="background: white; line-height: 12.8pt; margin-bottom: 0cm; mso-background-themecolor: background1; mso-margin-top-alt: auto; text-align: center;"><b><span style="font-size: 10pt;"> </span></b></p><p><br /></p><p><br /></p><p><br /></p><p><br /></p><p><br /></p><p><br /></p><p><br /></p><p><br /></p>V6 ARTHGYAN LLPhttp://www.blogger.com/profile/18128509813979049058noreply@blogger.com0tag:blogger.com,1999:blog-4746449159280106368.post-32058197391908673902022-07-31T21:40:00.000-07:002022-07-31T21:40:14.717-07:00<p> </p><p> <b><span style="font-size: x-large;"> <span style="background-color: white; color: #202124; font-family: Mangal, "serif";">विभिन्न प्रकार के एसआईपी</span></span></b></p><p class="MsoNormal" style="background: white; line-height: normal; margin-bottom: 0cm; mso-background-themecolor: background1; tab-stops: 45.8pt 91.6pt 137.4pt 183.2pt 229.0pt 274.8pt 320.6pt 366.4pt 412.2pt 458.0pt 503.8pt 549.6pt 595.4pt 641.2pt 687.0pt 732.8pt;"><span style="color: #202124; font-family: "Mangal","serif"; mso-ascii-theme-font: major-bidi; mso-bidi-font-size: 11.0pt; mso-bidi-theme-font: major-bidi; mso-fareast-font-family: "Times New Roman"; mso-hansi-theme-font: major-bidi;"><o:p></o:p></span></p><p> <a href="https://blogger.googleusercontent.com/img/a/AVvXsEhfBDgX5iNdIDDyrO9vzJ_p-Ke80oRX0uF41FiLUuGw3rdMUxmUzMb2Pa2Lakv3kMqELABpdUAVmJlSV17k-3-HKs3JJ4FJe_icUVe0-1quncOdjtGtiCJ8L0pvdJgt9hjq7bxAKbH0PdjE3rdY3dStPMO3FmrW-0muGbDJ8iOOorFhDOgYFRShlgW-" style="margin-left: 1em; margin-right: 1em; text-align: center;"><img alt="" data-original-height="472" data-original-width="941" height="161" src="https://blogger.googleusercontent.com/img/a/AVvXsEhfBDgX5iNdIDDyrO9vzJ_p-Ke80oRX0uF41FiLUuGw3rdMUxmUzMb2Pa2Lakv3kMqELABpdUAVmJlSV17k-3-HKs3JJ4FJe_icUVe0-1quncOdjtGtiCJ8L0pvdJgt9hjq7bxAKbH0PdjE3rdY3dStPMO3FmrW-0muGbDJ8iOOorFhDOgYFRShlgW-" width="320" /></a> </p><p><span style="background-color: white; color: #202124; font-family: Mangal, "serif"; font-size: 11pt;"> </span><span style="font-size: x-large;"><b><span style="background-color: white; color: #202124; font-family: Mangal, "serif";">SIP </span><span lang="HI" style="background-color: white; color: #202124; font-family: Mangal, "serif";">के विभिन्न प्रकार क्या हैं</span><span style="background-color: white; color: #202124; font-family: Mangal, "serif";">?</span></b></span> </p><p><br /></p><pre style="background: white; mso-background-themecolor: background1;"><span class="y2iqfc"><span lang="HI" style="color: #202124; font-family: Mangal, "serif";"><span style="font-size: medium;"><b>सफलता हमेशा महानता के बारे में नहीं होती है। यह निरंतरता के बारे में है। लगातार मेहनत करने से सफलता</b></span></span></span></pre><pre style="background: white; mso-background-themecolor: background1;"><span style="font-size: medium;"><b>मिलती है। महानता आएगी।" - ड्वेन जान्सन</b></span></pre><pre style="background: white; mso-background-themecolor: background1;"><br /></pre><pre style="background: white; mso-background-themecolor: background1;"><pre style="background-attachment: initial; background-clip: initial; background-image: initial; background-origin: initial; background-position: initial; background-repeat: initial; background-size: initial;"><span style="font-size: medium;"><span class="y2iqfc"><span lang="HI" style="color: #202124; font-family: Mangal, "serif";">जीवन में बहुत कुछ हासिल करने के लिए निरंतरता की आवश्यकता होती है। इसी तरह</span></span><span class="y2iqfc"><span style="color: #202124; font-family: Mangal, "serif";">, <span lang="HI">यदि आप अपने वित्तीय</span></span></span></span></pre><pre style="background-attachment: initial; background-clip: initial; background-image: initial; background-origin: initial; background-position: initial; background-repeat: initial; background-size: initial;"><span class="y2iqfc"><span style="color: #202124; font-family: Mangal, "serif";"><span style="font-size: medium;"><span lang="HI">लक्ष्यों को प्राप्त करना चाहते हैं</span>, <span lang="HI">तो आपको नियमित रूप से निवेश करने की आवश्यकता है। म्यूचुअल फंड व्यक्तिगत </span></span></span></span></pre><pre style="background-attachment: initial; background-clip: initial; background-image: initial; background-origin: initial; background-position: initial; background-repeat: initial; background-size: initial;"><span class="y2iqfc"><span style="color: #202124; font-family: Mangal, "serif";"><span style="font-size: medium;"><span lang="HI">निवेशकों के लिए एक आसान निवेश विकल्प है। अपने वित्तीय लक्ष्यों और जोखिम सहने की क्षमता के अनुसार</span>, <span lang="HI">आप </span></span></span></span></pre><pre style="background-attachment: initial; background-clip: initial; background-image: initial; background-origin: initial; background-position: initial; background-repeat: initial; background-size: initial;"><span class="y2iqfc"><span style="color: #202124; font-family: Mangal, "serif";"><span lang="HI"><span style="font-size: medium;">अपने उद्देश्य की पूर्ति के लिए सबसे अच्छा विकल्प चुन सकते हैं। सिस्टमैटिक इन्वेस्टमेंट प्लान (एसआईपी) म्यूचुअल </span></span></span></span></pre><pre style="background-attachment: initial; background-clip: initial; background-image: initial; background-origin: initial; background-position: initial; background-repeat: initial; background-size: initial;"><span class="y2iqfc"><span style="color: #202124; font-family: Mangal, "serif";"><span lang="HI"><span style="font-size: medium;">फंड में निवेश करने का एक ऐसा मार्ग है जिसके माध्यम से आप नियमित अंतराल पर पूर्व निर्धारित राशि का निवेश कर</span></span></span></span></pre><pre style="background-attachment: initial; background-clip: initial; background-image: initial; background-origin: initial; background-position: initial; background-repeat: initial; background-size: initial;"><span style="font-size: medium;"><span class="y2iqfc"><span style="color: #202124; font-family: Mangal, "serif";"><span lang="HI">सकते हैं। इस तरह</span>, <span lang="HI">आप अपने वित्तीय लक्ष्यों को प्राप्त करेंगे</span></span></span><span style="color: #202124; font-family: Mangal, "serif";"><o:p></o:p></span></span></pre><pre style="background-attachment: initial; background-clip: initial; background-image: initial; background-origin: initial; background-position: initial; background-repeat: initial; background-size: initial;"><span class="y2iqfc"><pre style="background-attachment: initial; background-clip: initial; background-image: initial; background-origin: initial; background-position: initial; background-repeat: initial; background-size: initial;"><span style="font-size: medium;"><span class="y2iqfc"><span lang="HI" style="color: #202124; font-family: Mangal, "serif";">इसके अलावा</span></span><span class="y2iqfc"><span style="color: #202124; font-family: Mangal, "serif";">, <span lang="HI">निवेशकों के लिए निवेश जारी रखना आसान बनाने के लिए</span>, <span lang="HI">फंड हाउस अपने निवेशकों को चार प्रकार के </span></span></span></span></pre><pre style="background-attachment: initial; background-clip: initial; background-image: initial; background-origin: initial; background-position: initial; background-repeat: initial; background-size: initial;"><span class="y2iqfc"><span style="color: #202124; font-family: Mangal, "serif";"><span lang="HI"><span style="font-size: medium;">एसआईपी की पेशकश करते हैं।</span></span><span style="font-size: 11pt;"><o:p></o:p></span></span></span></pre><pre style="background-attachment: initial; background-clip: initial; background-image: initial; background-origin: initial; background-position: initial; background-repeat: initial; background-size: initial;"><span class="y2iqfc"><pre style="background-attachment: initial; background-clip: initial; background-image: initial; background-origin: initial; background-position: initial; background-repeat: initial; background-size: initial;"><span class="y2iqfc"><span lang="HI" style="color: #202124; font-family: Mangal, "serif";"><b><span style="font-size: x-large;">व्यवस्थित निवेश योजनाओं के प्रकार (एसआईपी)</span></b></span></span></pre><pre style="background-attachment: initial; background-clip: initial; background-image: initial; background-origin: initial; background-position: initial; background-repeat: initial; background-size: initial;"><span class="y2iqfc"><span lang="HI" style="color: #202124; font-family: Mangal, "serif";"><pre style="background-attachment: initial; background-clip: initial; background-image: initial; background-origin: initial; background-position: initial; background-repeat: initial; background-size: initial;"><span style="font-size: medium;"><span class="y2iqfc"><span lang="HI" style="font-family: Mangal, "serif";">फ्लेक्सिबल एसआईपी</span></span><span class="y2iqfc"><span style="font-family: Mangal, "serif";">, <span lang="HI">ट्रिगर एसआईपी</span>, <span lang="HI">टॉप-अप एसआईपी और परपेचुअल एसआईपी चार प्रकार के एसआईपी हैं। </span></span></span></span></pre><pre style="background-attachment: initial; background-clip: initial; background-image: initial; background-origin: initial; background-position: initial; background-repeat: initial; background-size: initial;"><span class="y2iqfc"><span style="font-family: Mangal, "serif";"><span lang="HI"><span style="font-size: medium;">यहां बताया गया है कि आप कैसे लाभ उठा सकते हैं</span></span></span></span><span style="font-family: Mangal, "serif"; font-size: 11pt;"><o:p></o:p></span></pre><pre style="background-attachment: initial; background-clip: initial; background-image: initial; background-origin: initial; background-position: initial; background-repeat: initial; background-size: initial;"><span class="y2iqfc"><span style="font-family: Mangal, "serif";"><span lang="HI"><span style="font-size: medium;"><br /></span></span></span></span></pre><pre style="background-attachment: initial; background-clip: initial; background-image: initial; background-origin: initial; background-position: initial; background-repeat: initial; background-size: initial;"><span class="y2iqfc"><span lang="HI" style="font-family: Mangal, "serif";"><b><span style="font-size: x-large;">लचीला एसआईपी </span></b><span style="font-size: 11pt;"> </span></span></span></pre><pre style="background-attachment: initial; background-clip: initial; background-image: initial; background-origin: initial; background-position: initial; background-repeat: initial; background-size: initial;"><span class="y2iqfc"><span lang="HI" style="font-family: Mangal, "serif";"><span style="font-size: 11pt;"><br /></span></span></span></pre><pre style="background-attachment: initial; background-clip: initial; background-image: initial; background-origin: initial; background-position: initial; background-repeat: initial; background-size: initial;"><span class="y2iqfc"><span lang="HI" style="font-family: Mangal, "serif";"><span style="font-size: medium;">लचीला एसआईपी निवेशकों को अपनी एसआईपी राशि के साथ लचीला होने की अनुमति देता है। आप अपनी वित्तीय</span></span></span></pre><pre style="background-attachment: initial; background-clip: initial; background-image: initial; background-origin: initial; background-position: initial; background-repeat: initial; background-size: initial;"><span style="font-size: medium;"><span class="y2iqfc"><span lang="HI" style="font-family: Mangal, "serif";">स्थिति के अनुसार अपनी एसआईपी राशि को बढ़ा</span></span><span class="y2iqfc"><span style="font-family: Mangal, "serif";">, <span lang="HI">घटा या रोक सकते हैं। जब आप पूरी राशि का निवेश नहीं कर </span></span></span></span></pre><pre style="background-attachment: initial; background-clip: initial; background-image: initial; background-origin: initial; background-position: initial; background-repeat: initial; background-size: initial;"><span class="y2iqfc"><span style="font-family: Mangal, "serif";"><span style="font-size: medium;"><span lang="HI">सकते हैं तो इस सुविधा की मदद से आप अपनी एसआईपी राशि को रोक सकते हैं या रोक सकते हैं। इस तरह</span>, <span lang="HI">आपको </span></span></span></span></pre><pre style="background-attachment: initial; background-clip: initial; background-image: initial; background-origin: initial; background-position: initial; background-repeat: initial; background-size: initial;"><span class="y2iqfc"><span style="font-family: Mangal, "serif";"><span style="font-size: medium;"><span lang="HI">अपने निवेश को रोकने की ज़रूरत नहीं है और आप धन का निर्माण जारी रख सकते हैं। इसी तरह</span>, <span lang="HI">आप अपने वेतन </span></span></span></span></pre><pre style="background-attachment: initial; background-clip: initial; background-image: initial; background-origin: initial; background-position: initial; background-repeat: initial; background-size: initial;"><span class="y2iqfc"><span style="font-family: Mangal, "serif";"><span lang="HI"><span style="font-size: medium;">में वृद्धि या बढ़ोतरी के बाद एसआईपी राशि बढ़ा सकते हैं</span></span></span></span></pre><pre style="background-attachment: initial; background-clip: initial; background-image: initial; background-origin: initial; background-position: initial; background-repeat: initial; background-size: initial;"><span class="y2iqfc"><span style="font-family: Mangal, "serif";"><span lang="HI"><span style="font-size: medium;"><br /></span></span></span></span></pre><pre style="background-attachment: initial; background-clip: initial; background-image: initial; background-origin: initial; background-position: initial; background-repeat: initial; background-size: initial;"><span class="y2iqfc"><pre style="background-attachment: initial; background-clip: initial; background-image: initial; background-origin: initial; background-position: initial; background-repeat: initial; background-size: initial;"><span class="y2iqfc"><span lang="HI" style="font-family: Mangal, "serif"; font-size: x-large;"><b>स्टेप-अप एसआईपी या टॉप अप एसआईपी</b></span></span></pre><pre style="background-attachment: initial; background-clip: initial; background-image: initial; background-origin: initial; background-position: initial; background-repeat: initial; background-size: initial;"><span class="y2iqfc"><span lang="HI" style="font-family: Mangal, "serif"; font-size: x-large;"><b><br /></b></span></span></pre><pre style="background-attachment: initial; background-clip: initial; background-image: initial; background-origin: initial; background-position: initial; background-repeat: initial; background-size: initial;"><span class="y2iqfc"><span lang="HI" style="font-family: Mangal, "serif"; font-size: medium;">स्टेप-अप एसआईपी के माध्यम से अपने वित्तीय लक्ष्यों तक तेजी से पहुंचने के लिए अपने एसआईपी को नियमित </span></span></pre><pre style="background-attachment: initial; background-clip: initial; background-image: initial; background-origin: initial; background-position: initial; background-repeat: initial; background-size: initial;"><span style="font-size: medium;"><span class="y2iqfc"><span lang="HI" style="font-family: Mangal, "serif";">रूप से बढ़ाएं। टॉप अप एसआईपी की मदद से,</span></span><span lang="HI" style="font-family: Mangal, "serif";">आप अपने एसआईपी को नियमित अंतराल पर एक निश्चित </span>प्रतिशत </span></pre><pre style="background-attachment: initial; background-clip: initial; background-image: initial; background-origin: initial; background-position: initial; background-repeat: initial; background-size: initial;"><span style="font-size: medium;">तक बढ़ा सकते हैं<span style="font-family: "inherit", "serif";">, </span><span lang="HI" style="font-family: Mangal, "serif";">जैसे कि हर साल। स्टेप-अप एसआईपी राशि वार्षिक आय में अपेक्षित वृद्धि पर </span>निर्भर हो सकती है।</span></pre><pre style="background-attachment: initial; background-clip: initial; background-image: initial; background-origin: initial; background-position: initial; background-repeat: initial; background-size: initial;"><span style="font-size: medium;">उदा. यदि आपका वर्तमान एसआईपी 10<span style="font-family: "inherit", "serif";">,</span><span lang="HI" style="font-family: Mangal, "serif";">000 रुपये है और आप राशि में </span>10% की वृद्धि करना चाहते हैं<span style="font-family: "inherit", "serif";">, </span><span lang="HI" style="font-family: Mangal, "serif";">तो अगले वर्ष के</span></span></pre><pre style="background-attachment: initial; background-clip: initial; background-image: initial; background-origin: initial; background-position: initial; background-repeat: initial; background-size: initial;"><span style="font-size: medium;"><span lang="HI" style="font-family: Mangal, "serif";">लिए आपकी मासिक एसआईपी राशि 11</span><span style="font-family: "inherit", "serif";">,</span><span lang="HI" style="font-family: Mangal, "serif";">000 रुपये होगी। तीसरे साल में आपका मासिक एसआईपी 12</span><span style="font-family: "inherit", "serif";">,</span><span lang="HI" style="font-family: Mangal, "serif";">100 रुपये </span></span></pre><pre style="background-attachment: initial; background-clip: initial; background-image: initial; background-origin: initial; background-position: initial; background-repeat: initial; background-size: initial;"><span lang="HI" style="font-family: Mangal, "serif"; font-size: medium;">होगा।</span></pre><pre style="background-attachment: initial; background-clip: initial; background-image: initial; background-origin: initial; background-position: initial; background-repeat: initial; background-size: initial;"><span style="font-size: medium;"><span class="y2iqfc"><span lang="HI" style="font-family: Mangal, "serif";">उदा. मान लीजिए कि आप सिप के जरिए 20</span></span><span class="y2iqfc"><span style="font-family: "inherit", "serif";">,</span></span><span class="y2iqfc"><span lang="HI" style="font-family: Mangal, "serif";">000 रुपये का निवेश कर रहे हैं। आप 15 साल तक निवेश जारी </span></span></span></pre><pre style="background-attachment: initial; background-clip: initial; background-image: initial; background-origin: initial; background-position: initial; background-repeat: initial; background-size: initial;"><span style="font-size: medium;"><span class="y2iqfc"><span lang="HI" style="font-family: Mangal, "serif";">रखना चाहते हैं। तो</span></span><span class="y2iqfc"><span style="font-family: "inherit", "serif";">, </span></span><span class="y2iqfc"><span lang="HI" style="font-family: Mangal, "serif";">15 साल के अंत में और 12% सीएजीआर पर</span></span><span class="y2iqfc"><span style="font-family: "inherit", "serif";">, </span></span><span class="y2iqfc"><span lang="HI" style="font-family: Mangal, "serif";">आप 1 करोड़ रुपये जमा करेंगे।</span></span><span class="y2iqfc"><span lang="HI"><o:p></o:p></span></span></span></pre><pre style="background-attachment: initial; background-clip: initial; background-image: initial; background-origin: initial; background-position: initial; background-repeat: initial; background-size: initial;"><span style="font-size: medium;"><span class="y2iqfc"><span lang="HI" style="font-family: Mangal, "serif";">आइए एक और स्थिति लेते हैं जहां आप हर साल अपने एसआईपी में 10% की वृद्धि करते हैं। उस स्थिति में</span></span><span class="y2iqfc"><span style="font-family: "inherit", "serif";">, </span></span><span class="y2iqfc"><span lang="HI" style="font-family: Mangal, "serif";">आप</span></span></span></pre><pre style="background-attachment: initial; background-clip: initial; background-image: initial; background-origin: initial; background-position: initial; background-repeat: initial; background-size: initial;"><span style="font-size: medium;"><span class="y2iqfc"><span lang="HI" style="font-family: Mangal, "serif";">पहले वर्ष में 20</span></span><span class="y2iqfc"><span style="font-family: "inherit", "serif";">,</span></span><span class="y2iqfc"><span lang="HI" style="font-family: Mangal, "serif";">000 रुपये</span></span><span class="y2iqfc"><span style="font-family: "inherit", "serif";">, </span></span><span class="y2iqfc"><span lang="HI" style="font-family: Mangal, "serif";">दूसरे वर्ष में 22</span></span><span class="y2iqfc"><span style="font-family: "inherit", "serif";">,</span></span><span class="y2iqfc"><span lang="HI" style="font-family: Mangal, "serif";">000 रुपये का निवेश करेंगे</span></span><span class="y2iqfc"><span style="font-family: "inherit", "serif";">, </span></span><span class="y2iqfc"><span lang="HI" style="font-family: Mangal, "serif";">और इसी तरह। 15 वर्षों के बाद अप्रत्याशित</span></span></span></pre><pre style="background-attachment: initial; background-clip: initial; background-image: initial; background-origin: initial; background-position: initial; background-repeat: initial; background-size: initial;"><span style="font-size: medium;"><span class="y2iqfc"><span lang="HI" style="font-family: Mangal, "serif";">12% सीएजीआर पर</span></span><span class="y2iqfc"><span style="font-family: "inherit", "serif";">, </span></span><span class="y2iqfc"><span lang="HI" style="font-family: Mangal, "serif";">आप रुपये का एक कोष तैयार करेंगे। 1.7 करोड़ रुपये का निवेश करके। 76.25 लाख</span></span></span></pre><pre style="background-attachment: initial; background-clip: initial; background-image: initial; background-origin: initial; background-position: initial; background-repeat: initial; background-size: initial;"><span style="font-size: medium;"><span class="y2iqfc"><span lang="HI" style="font-family: Mangal, "serif";"><br /></span></span></span></pre><pre style="background-attachment: initial; background-clip: initial; background-image: initial; background-origin: initial; background-position: initial; background-repeat: initial; background-size: initial;"><span class="y2iqfc"><span lang="HI" style="font-family: Mangal, "serif";"><p class="MsoNormal" style="background-attachment: initial; background-clip: initial; background-image: initial; background-origin: initial; background-position: initial; background-repeat: initial; background-size: initial; line-height: normal;"><span lang="HI" style="background: rgb(248, 249, 250); font-size: x-large;"><b>ट्रिगर एसआईपी</b></span><span face="Arial, "sans-serif"" style="background: rgb(248, 249, 250); font-size: 11pt;"><o:p></o:p></span></p><p class="MsoNormal" style="background-attachment: initial; background-clip: initial; background-image: initial; background-origin: initial; background-position: initial; background-repeat: initial; background-size: initial; line-height: normal;"><span lang="HI" style="background: rgb(248, 249, 250); font-size: x-large;"><b><br /></b></span></p><pre style="background-attachment: initial; background-clip: initial; background-image: initial; background-origin: initial; background-position: initial; background-repeat: initial; background-size: initial;"><span style="font-size: medium;"><span class="y2iqfc"><span lang="HI" style="font-family: Mangal, "serif";">ट्रिगर एसआईपी सुविधा में</span></span><span class="y2iqfc"><span style="font-family: "inherit", "serif";">, </span></span><span class="y2iqfc"><span lang="HI" style="font-family: Mangal, "serif";">म्यूचुअल फंड हाउस एक निश्चित ट्रिगर को सक्रिय करने के बाद एक फंड में पूरे निवेश </span></span></span></pre><pre style="background-attachment: initial; background-clip: initial; background-image: initial; background-origin: initial; background-position: initial; background-repeat: initial; background-size: initial;"><span style="font-size: medium;"><span class="y2iqfc"><span lang="HI" style="font-family: Mangal, "serif";">के एक हिस्से को दूसरे फंड में भुनाते हैं। एनएवी ट्रिगर</span></span><span class="y2iqfc"><span style="font-family: "inherit", "serif";">, </span></span><span class="y2iqfc"><span lang="HI" style="font-family: Mangal, "serif";">इंडेक्स लेवल ट्रिगर</span></span><span class="y2iqfc"><span style="font-family: "inherit", "serif";">, </span></span><span class="y2iqfc"><span lang="HI" style="font-family: Mangal, "serif";">कैपिटल ट्रिगर और टाइम-आधारित ट्रिगर</span></span></span></pre><pre style="background-attachment: initial; background-clip: initial; background-image: initial; background-origin: initial; background-position: initial; background-repeat: initial; background-size: initial;"><span style="font-size: medium;"><span class="y2iqfc"><span lang="HI" style="font-family: Mangal, "serif";">कुछ प्रकार के ट्रिगर हो सकते हैं।</span></span><span class="y2iqfc"><span lang="HI"><o:p></o:p></span></span></span></pre><pre style="background-attachment: initial; background-clip: initial; background-image: initial; background-origin: initial; background-position: initial; background-repeat: initial; background-size: initial;"><span class="y2iqfc"><span lang="HI" style="font-family: Mangal, "serif"; font-size: medium;">इस सुविधा का उपयोग अनुभवी निवेशक करते हैं जो म्यूचुअल फंड के कामकाज को समझते हैं। नौसिखिया निवेशक </span></span></pre><pre style="background-attachment: initial; background-clip: initial; background-image: initial; background-origin: initial; background-position: initial; background-repeat: initial; background-size: initial;"><span class="y2iqfc"><span lang="HI" style="font-family: Mangal, "serif"; font-size: medium;">और जो लोग बाजार को स्पष्ट रूप से नहीं समझते हैं उन्हें यह सुविधा नहीं लेनी चाहिए.</span></span></pre><pre style="background-attachment: initial; background-clip: initial; background-image: initial; background-origin: initial; background-position: initial; background-repeat: initial; background-size: initial;"><span class="y2iqfc"><span lang="HI" style="font-family: Mangal, "serif"; font-size: medium;"><br /></span></span></pre><pre style="background-attachment: initial; background-clip: initial; background-image: initial; background-origin: initial; background-position: initial; background-repeat: initial; background-size: initial;"><span class="y2iqfc"><span lang="HI" style="font-family: Mangal, "serif"; font-size: x-large;"><b>परपेचुअल एसआईप</b></span></span></pre><pre style="background-attachment: initial; background-clip: initial; background-image: initial; background-origin: initial; background-position: initial; background-repeat: initial; background-size: initial;"><span class="y2iqfc"><span lang="HI" style="font-family: Mangal, "serif"; font-size: x-large;"><b><br /></b></span></span></pre><pre style="background-attachment: initial; background-clip: initial; background-image: initial; background-origin: initial; background-position: initial; background-repeat: initial; background-size: initial;"><span style="font-size: medium;"><span class="y2iqfc" style="font-family: Mangal, "serif";"><span lang="HI">परपेचुअल </span></span><span class="y2iqfc" style="font-family: Mangal, "serif";"><span style="font-family: "inherit", "serif";">SIP </span></span><span class="y2iqfc" style="font-family: Mangal, "serif";"><span lang="HI">में </span></span><span class="y2iqfc" style="font-family: Mangal, "serif";"><span style="font-family: "inherit", "serif";">SIP </span></span><span class="y2iqfc" style="font-family: Mangal, "serif";"><span lang="HI">टर्मिनेशन डेट नहीं होती है। आमतौर पर</span></span><span class="y2iqfc" style="font-family: Mangal, "serif";"><span style="font-family: "inherit", "serif";">, </span></span><span class="y2iqfc" style="font-family: Mangal, "serif";"><span lang="HI">निवेशक 1 साल के एसआईपी</span></span><span class="y2iqfc" style="font-family: Mangal, "serif";"><span style="font-family: "inherit", "serif";">, </span></span><span class="y2iqfc" style="font-family: Mangal, "serif";"><span lang="HI">5 साल के एसआईपी </span></span></span></pre><pre style="background-attachment: initial; background-clip: initial; background-image: initial; background-origin: initial; background-position: initial; background-repeat: initial; background-size: initial;"><span style="font-size: medium;"><span class="y2iqfc" style="font-family: Mangal, "serif";"><span lang="HI">आदि का विकल्प चुन सकते हैं। यहां</span></span><span class="y2iqfc" style="font-family: Mangal, "serif";"><span style="font-family: "inherit", "serif";">, </span></span><span class="y2iqfc" style="font-family: Mangal, "serif";"><span lang="HI">निवेशकों को एसआईपी समाप्ति तिथि के बाद एक नया एसआईपी स्थापित करना</span></span></span></pre><pre style="background-attachment: initial; background-clip: initial; background-image: initial; background-origin: initial; background-position: initial; background-repeat: initial; background-size: initial;"><span style="font-size: medium;"><span class="y2iqfc" style="font-family: Mangal, "serif";"><span lang="HI">होगा यदि वे एसआईपी के माध्यम से निवेश जारी रखना चाहते हैं। हालांकि</span></span><span class="y2iqfc" style="font-family: Mangal, "serif";"><span style="font-family: "inherit", "serif";">, </span></span><span class="y2iqfc" style="font-family: Mangal, "serif";"><span lang="HI">स्थायी एसआईपी में</span></span><span class="y2iqfc" style="font-family: Mangal, "serif";"><span style="font-family: "inherit", "serif";">, </span></span><span class="y2iqfc" style="font-family: Mangal, "serif";"><span lang="HI">निवेशकों को समाप्ति</span></span></span></pre><pre style="background-attachment: initial; background-clip: initial; background-image: initial; background-origin: initial; background-position: initial; background-repeat: initial; background-size: initial;"><span class="y2iqfc" style="font-family: Mangal, "serif";"><span lang="HI" style="font-size: medium;">तिथि के बारे में चिंता करने की ज़रूरत नहीं है और वे अपने वित्तीय लक्ष्यों को प्राप्त करने के लिए जब तक आवश्यक </span></span></pre><pre style="background-attachment: initial; background-clip: initial; background-image: initial; background-origin: initial; background-position: initial; background-repeat: initial; background-size: initial;"><span class="y2iqfc" style="font-family: Mangal, "serif";"><span lang="HI" style="font-size: medium;">हो तब तक निवेश करना जारी रख सकते हैं। लंबी अवधि के वित्तीय लक्ष्यों वाले निवेशकों के लिए यह सबसे अच्छा </span></span></pre><pre style="background-attachment: initial; background-clip: initial; background-image: initial; background-origin: initial; background-position: initial; background-repeat: initial; background-size: initial;"><span class="y2iqfc" style="font-family: Mangal, "serif";"><span lang="HI" style="font-size: medium;">विकल्प है।</span></span></pre><pre style="background-attachment: initial; background-clip: initial; background-image: initial; background-origin: initial; background-position: initial; background-repeat: initial; background-size: initial;"><span class="y2iqfc" style="font-family: Mangal, "serif";"><span lang="HI" style="font-size: medium;"><br /></span></span></pre><pre style="background-attachment: initial; background-clip: initial; background-image: initial; background-origin: initial; background-position: initial; background-repeat: initial; background-size: initial;"><span class="y2iqfc" style="font-family: Mangal, "serif";"><span lang="HI" style="font-size: x-large;"><b>निष्कर्ष</b></span></span></pre><pre style="background-attachment: initial; background-clip: initial; background-image: initial; background-origin: initial; background-position: initial; background-repeat: initial; background-size: initial;"><span class="y2iqfc" style="font-family: Mangal, "serif";"><span lang="HI" style="font-size: x-large;"><b><br /></b></span></span></pre><pre style="background-attachment: initial; background-clip: initial; background-image: initial; background-origin: initial; background-position: initial; background-repeat: initial; background-size: initial;"><span class="y2iqfc"><span lang="HI" style="font-family: Mangal, "serif"; font-size: medium;">सिस्टमैटिक इन्वेस्टमेंट प्लान (एसआईपी) उन निवेशकों के लिए एक बेहतरीन निवेश सुविधा है जो पूर्व निर्धारित अंतराल </span></span></pre><pre style="background-attachment: initial; background-clip: initial; background-image: initial; background-origin: initial; background-position: initial; background-repeat: initial; background-size: initial;"><span class="y2iqfc"><span lang="HI" style="font-family: Mangal, "serif"; font-size: medium;">पर नियमित निवेश करके वित्तीय लक्ष्यों को प्राप्त करना चाहते हैं। निवेशकों के लिए म्यूचुअल फंड में निवेश को आसान </span></span></pre><pre style="background-attachment: initial; background-clip: initial; background-image: initial; background-origin: initial; background-position: initial; background-repeat: initial; background-size: initial;"><span style="font-size: medium;"><span class="y2iqfc"><span lang="HI" style="font-family: Mangal, "serif";">बनाने के लिए चार तरह के एसआईपी फंड करें। फ्लेक्सिबल एसआईपी</span></span><span class="y2iqfc"><span style="font-family: "inherit", "serif";">, </span></span><span class="y2iqfc"><span lang="HI" style="font-family: Mangal, "serif";">ट्रिगर एसआईपी</span></span><span class="y2iqfc"><span style="font-family: "inherit", "serif";">, </span></span><span class="y2iqfc"><span lang="HI" style="font-family: Mangal, "serif";">टॉप-अप एसआईपी और परपेचुअल </span></span></span></pre><pre style="background-attachment: initial; background-clip: initial; background-image: initial; background-origin: initial; background-position: initial; background-repeat: initial; background-size: initial;"><span style="font-size: medium;"><span class="y2iqfc"><span lang="HI" style="font-family: Mangal, "serif";">एसआईपी चार तरह के सिस्टमैटिक इन्वेस्टमेंट प्लान हैं। अधिक जानने के लिए हमसे संपर्क करें।</span></span><span class="y2iqfc"><span lang="HI"><o:p></o:p></span></span></span></pre><pre style="background-attachment: initial; background-clip: initial; background-image: initial; background-origin: initial; background-position: initial; background-repeat: initial; background-size: initial;"><span class="y2iqfc" style="font-family: Mangal, "serif";"><span lang="HI" style="font-size: medium;">यह ब्लॉग विशुद्ध रूप से शैक्षिक उद्देश्य के लिए है और इसे व्यक्तिगत सलाह के रूप में नहीं माना जाना चाहिए।</span></span></pre><pre style="background-attachment: initial; background-clip: initial; background-image: initial; background-origin: initial; background-position: initial; background-repeat: initial; background-size: initial;"><span style="font-size: medium;"><span class="y2iqfc" style="font-family: Mangal, "serif";"><span lang="HI">म्यूचुअल फंड निवेश बाजार के जोखिम के अधीन हैं</span></span><span class="y2iqfc" style="font-family: Mangal, "serif";"><span style="font-family: "inherit", "serif";">, </span></span><span class="y2iqfc" style="font-family: Mangal, "serif";"><span lang="HI">योजना से संबंधित सभी दस्तावेजों को ध्यान से पढ़ें।</span></span> </span></pre><span style="font-size: 11pt;"><pre style="background-attachment: initial; background-clip: initial; background-image: initial; background-origin: initial; background-position: initial; background-repeat: initial; background-size: initial;"><span class="y2iqfc"><span lang="HI" style="font-family: Mangal, "serif";"><span style="font-size: 11pt;"><br /></span></span></span></pre><pre style="background-attachment: initial; background-clip: initial; background-image: initial; background-origin: initial; background-position: initial; background-repeat: initial; background-size: initial;"><span class="y2iqfc"><span lang="HI" style="font-family: Mangal, "serif";"><span style="font-size: 11pt;"> </span></span></span></pre><pre style="background-attachment: initial; background-clip: initial; background-image: initial; background-origin: initial; background-position: initial; background-repeat: initial; background-size: initial;"><span class="y2iqfc"><span lang="HI" style="font-family: Mangal, "serif";"><span style="font-size: 11pt;"> <img border="0" data-original-height="131" data-original-width="162" height="258" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEiD5tEs9VlzLi7r8lN8kE4wLamTJYpqOqyX17cxpdPR6dsqDtGvYbgLs04yukcniaVyfZ0dDX-Ut1ulpVoJydmd-qlHtNs2hR8D4tGRkhqMXKUh9teSCzSu1PFakQNDpnfBquV59PsmydG8P6yO4lRn8E860vtOJu6kdPlxFEK1FeqmXaF8miL53J0_/w320-h258/image%20(1).png" style="color: black; font-family: "Times New Roman"; font-size: medium; white-space: normal;" width="320" /> </span></span></span></pre><pre style="background-attachment: initial; background-clip: initial; background-image: initial; background-origin: initial; background-position: initial; background-repeat: initial; background-size: initial;"><span class="y2iqfc"><span lang="HI" style="font-family: Mangal, "serif";"><span style="font-size: 11pt;"><p class="MsoNormal" style="color: black; font-family: "Times New Roman"; font-size: medium; line-height: normal; margin-bottom: 0cm; mso-layout-grid-align: none; text-autospace: none; white-space: normal;"><b style="text-align: center;"><span style="font-family: Mangal, "serif"; font-size: 10pt;"><span lang="HI"> </span></span></b><span style="background-color: #f8f9fa; text-align: center;"><b>AMFI Registered Mutual Fund Distributor </b></span></p><p class="MsoNormal" style="color: black; font-family: "Times New Roman"; font-size: medium; line-height: normal; margin-bottom: 0cm; mso-layout-grid-align: none; text-autospace: none; white-space: normal;"><b style="text-align: center;"><span lang="HI" style="font-family: Mangal, "serif"; font-size: 10pt;"> 6306522855</span></b></p><p class="MsoNormal" style="color: black; font-family: "Times New Roman"; font-size: medium; line-height: normal; margin-bottom: 0cm; mso-layout-grid-align: none; text-autospace: none; white-space: normal;"><b style="text-align: center;"><span style="font-family: "Times New Roman", "serif"; font-size: 10pt;"> Hazratganj, Lucknow, </span><span lang="HI" style="font-family: Mangal, "serif"; font-size: 10pt;">226001</span></b></p><p class="MsoNormal" style="color: black; font-family: "Times New Roman"; font-size: medium; line-height: normal; margin-bottom: 0cm; mso-layout-grid-align: none; text-autospace: none; white-space: normal;"><b style="font-family: "Times New Roman", "serif"; font-size: 10pt; text-align: center;"> customercare@vsix.co.in || www.vsix.co.in</b></p><p class="MsoNormal" style="color: black; font-family: "Times New Roman"; font-size: medium; line-height: normal; margin-bottom: 0cm; mso-layout-grid-align: none; text-autospace: none; white-space: normal;"><b style="text-align: center;"><span style="font-family: Mangal, "serif"; font-size: 10pt;"> </span></b></p></span></span></span></pre><pre style="background-attachment: initial; background-clip: initial; background-image: initial; background-origin: initial; background-position: initial; background-repeat: initial; background-size: initial;"><span class="y2iqfc"><span lang="HI" style="font-family: Mangal, "serif";"><span style="font-size: 11pt;"><br /></span></span></span></pre><pre style="background-attachment: initial; background-clip: initial; background-image: initial; background-origin: initial; background-position: initial; background-repeat: initial; background-size: initial;"><span class="y2iqfc"><span lang="HI" style="font-family: Mangal, "serif";"><span style="font-size: 11pt;"><br /></span></span></span></pre><pre style="background-attachment: initial; background-clip: initial; background-image: initial; background-origin: initial; background-position: initial; background-repeat: initial; background-size: initial;"><span class="y2iqfc"><span lang="HI" style="font-family: Mangal, "serif";"><span style="font-size: 11pt;"><br /></span></span></span></pre><pre style="background-attachment: initial; background-clip: initial; background-image: initial; background-origin: initial; background-position: initial; background-repeat: initial; background-size: initial;"><span class="y2iqfc"><span lang="HI" style="font-family: Mangal, "serif";"><span style="font-size: 11pt;"><br /></span></span></span></pre>
</span></span></span></pre></span></pre></span></span></pre></span></pre></span></pre></pre>V6 ARTHGYAN LLPhttp://www.blogger.com/profile/18128509813979049058noreply@blogger.com0tag:blogger.com,1999:blog-4746449159280106368.post-65993193967896848232022-07-14T22:35:00.003-07:002022-07-14T22:35:40.628-07:00<p><b><span style="font-size: x-large;"><span color="windowtext" face="Roboto, "sans-serif""> Should we depend on credit cards for emergencies?</span></span></b></p><p></p><div class="separator" style="clear: both; text-align: center;"><a href="https://blogger.googleusercontent.com/img/a/AVvXsEix50_ZNlgV8QC61tRCPDO2Il6tPmk-K7bywhT68iZ_UCdb3JW-GsNudpCJWIMphDeBHcuGJlpfcH0ChaXX7Nf0ik_RxkmumaOEiyOykn0bxE9V1EQCUzfg07un2aJMKUxXNLwgZ5UpNPh0vBJGN7M1SqaFfReA9_QJaSnlrdFW5z71AhP8Bukcbvs6" style="margin-left: 1em; margin-right: 1em;"><img alt="" data-original-height="507" data-original-width="959" height="169" src="https://blogger.googleusercontent.com/img/a/AVvXsEix50_ZNlgV8QC61tRCPDO2Il6tPmk-K7bywhT68iZ_UCdb3JW-GsNudpCJWIMphDeBHcuGJlpfcH0ChaXX7Nf0ik_RxkmumaOEiyOykn0bxE9V1EQCUzfg07un2aJMKUxXNLwgZ5UpNPh0vBJGN7M1SqaFfReA9_QJaSnlrdFW5z71AhP8Bukcbvs6" width="320" /></a></div> <p></p><p class="Default"><span color="windowtext" face=""Roboto Medium", "sans-serif""><span style="font-size: x-large;"><b>5 Reasons You Shouldn’t
Depend on Credit Card for Emergencies</b></span><span style="font-size: 11pt;"><o:p></o:p></span></span></p><p class="Default"><span face="Roboto, "sans-serif""><span style="font-size: medium;"><b>Everyone should have an emergency fund. An emergency fund will help you
tide over any emergency situations such as job loss, or medical emergency. However,
many individuals don’t build an emergency fund as they believe that they can use
their credit cards for emergencies. </b></span></span></p><p class="Default"><span color="windowtext" face="Roboto, "sans-serif""><b><span style="font-size: medium;">While credit cards can come in
handy during emergency situations and can complement the emergency fund, it is
not the best option to rely on credit cards to take care of emergency expenses.<o:p></o:p></span></b></span></p><p class="Default"><span color="windowtext" face="Roboto, "sans-serif""><b><span style="font-size: medium;">In this article, we will know
about the importance of emergency funds and why you shouldn’tdepend on credit
cards for emergencies.</span></b><span style="font-size: 11pt;"><o:p></o:p></span></span></p><p class="Default"><span color="windowtext" face=""Roboto Medium", "sans-serif""><span style="font-size: x-large;"><b>A credit card may not help
you during a job loss.</b></span><span style="font-size: 11pt;"><o:p></o:p></span></span></p><p class="Default"><span style="font-size: medium;"><b><span color="windowtext" face="Roboto, "sans-serif"">The current scenario has put the
jobs of many people at stake. An emergency fund will assist you in taking care
of your necessary expenses till you </span><span color="windowtext">fi</span><span color="windowtext" face="Roboto, "sans-serif"">nd another job. However, in the case
of credit cards, you have to pay the balance dues at the end of the cycle. While
it may be easy to pay off your credit card dues when you have a </span><span color="windowtext">fi</span><span color="windowtext" face="Roboto, "sans-serif"">xed
monthly salary, it may not be viable without a </span><span color="windowtext">fixed source</span><span color="windowtext" face="Roboto, "sans-serif""> of income.</span></b></span></p><p class="Default"><span style="font-size: medium;"><b><span color="windowtext" face="Roboto, "sans-serif"">Hence, building an emergency fund
to provide </span><span color="windowtext">fi</span><span color="windowtext" face="Roboto, "sans-serif"">nancial support till you get a job is indispensable.</span></b></span></p><p class="Default"><b style="color: windowtext; font-family: "Roboto Medium", "sans-serif"; font-size: xx-large; text-indent: 0cm;">Using a Credit Card Is
Like taking a Loan</b></p><p class="Default"><span color="windowtext" face="Roboto, "sans-serif""><span style="font-size: medium;"><b>When you are using your credit
card to pay for your emergency purposes, it is like taking a loan. It is because
you can not pay it out of your pocket and you have to pay back the money
later. <o:p></o:p></b></span></span></p><p class="Default" style="margin-left: 0cm; mso-list: l0 level1 lfo1; text-indent: 0cm;">
<span face="Roboto, "sans-serif""><span style="font-size: medium;"><b>If you
already have a balance due on this credit card, the emergency expense will be an
additional burden. And if you cannot pay it back in one go, you may have to pay
interest.</b></span></span></p><p class="Default" style="margin-left: 0cm; mso-list: l0 level1 lfo1; text-indent: 0cm;"><b><span color="windowtext" face=""Roboto Medium", "sans-serif""><span style="font-size: x-large;">The interest rate
charged by credit card companies is sky high</span></span></b></p><p class="Default" style="margin-left: 0cm; mso-list: l0 level1 lfo1; text-indent: 0cm;"><b><span style="font-size: medium;"><span color="windowtext" face=""Roboto Medium", "sans-serif""> </span><span color="windowtext" face="Roboto, "sans-serif"">Credit card companies charge
double-digit interest rates if you cannot pay the due amount on time.</span></span></b></p>
<p class="Default"><span color="windowtext" face="Roboto, "sans-serif""><b><span style="font-size: medium;">If you cannot pay the full
amount, you can repay the outstanding amount over a period of period by paying the minimum monthly requirement amount. However, this payment facility comes
with an enormous cost. Depending on your credit cycle, you may have to pay
interest on the total amount and the interest on the balance amount until you
pay the complete bill. This might mean that you may have to pay a lot of money
as interest if you don’t pay the complete outstanding bill amount before the
last date.</span></b></span></p><p class="Default"><b style="color: windowtext; font-family: "Roboto Medium", "sans-serif"; font-size: xx-large; text-indent: 0cm;">Your credit score/CIBIL
score may take a hit</b></p><p class="Default"><b><span style="font-size: medium;"><span color="windowtext" face="Roboto, "sans-serif"">A good credit score is important for every adult. The credit score shows the creditworthiness of the individual.
Based on the credit score, </span><span color="windowtext">fi</span><span color="windowtext" face="Roboto, "sans-serif"">nancial institutions offer credit cards and loans to
their customers.<o:p></o:p></span></span></b></p><p class="Default"><span color="windowtext" face="Roboto, "sans-serif""><b><span style="font-size: medium;">Carrying forward credit card
balance, not paying credit card dues on time, and having a high credit utilization ratio
can hurt your credit score. The credit utilization ratio measures the credit
utilized when compared to the total credit limit.<o:p></o:p></span></b></span></p><p class="Default" style="margin-left: 0cm; mso-list: l0 level1 lfo1; text-indent: 0cm;">
</p><p class="Default"><span color="windowtext" face="Roboto, "sans-serif""><b><span style="font-size: medium;">So, if you use your credit card
as your emergency fund and you could not pay off the dues on time, your credit
score may take a hit.</span></b></span></p><p class="Default"><span color="windowtext" face=""Roboto Medium", "sans-serif"" style="text-indent: 0cm;"><span style="font-family: "Times New Roman"; font-stretch: normal; font-variant-east-asian: normal; font-variant-numeric: normal; line-height: normal;"><span style="font-size: xx-small;"> </span></span></span><span color="windowtext" face=""Roboto Medium", "sans-serif"" style="text-indent: 0cm;"><b><span style="font-size: x-large;">Risk of falling into a
debt spiral</span></b></span></p><p class="Default" style="margin-left: 0cm; mso-list: l0 level1 lfo1; text-indent: 0cm;"><span face="Roboto, "sans-serif""><span style="font-size: medium;"><b>When you carry forward a balance on your credit card, you risk falling into a debt spiral. Even if you are using your card to pay for your emergencies, you
may accumulate more debt than you can pay.</b></span></span></p><p class="Default" style="margin-left: 0cm; mso-list: l0 level1 lfo1; text-indent: 0cm;"><b style="color: windowtext; font-family: "Roboto Medium", "sans-serif"; font-size: xx-large; text-indent: 0cm;">A credit card may not take
care of a second or third emergency</b></p><p class="Default" style="margin-left: 0cm; mso-list: l0 level1 lfo1; text-indent: 0cm;"><span style="font-size: medium;"><b><span color="windowtext" face=""Roboto Medium", "sans-serif""> </span><span face="Roboto, "sans-serif"">Emergencies come unannounced. And there might be times when you may have to
face multiple emergencies together. During such a phase, you may not be able to
depend on your credit card. There can be a possibility that you may have maxed
out your credit card limit in the first emergency. Hence, you may run out of
options to take care of your other emergencies.</span></b></span></p><p class="Default"><span color="windowtext" face=""Roboto Medium", "sans-serif""><b><span style="font-size: x-large;">Conclusion:</span></b><span style="font-size: 11pt;"><o:p></o:p></span></span></p><p class="Default"><span face="Roboto, "sans-serif""><b><span style="font-size: medium;">Along with an emergency fund, credit cards can support you during emergency
scenarios. Credit cards are not a substitute for an emergency fund. Relying
solely on credit cards for emergencies may have a negative impact on your credit
score and you may fall deeper into the debt trap. Hence, it is important to build
an emergency fund in a liquid mutual fund and savings account to take care of long-term and short-term emergencies.</span></b></span></p><p class="Default"><br /></p><div class="separator" style="clear: both; text-align: center;"><a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEiD5tEs9VlzLi7r8lN8kE4wLamTJYpqOqyX17cxpdPR6dsqDtGvYbgLs04yukcniaVyfZ0dDX-Ut1ulpVoJydmd-qlHtNs2hR8D4tGRkhqMXKUh9teSCzSu1PFakQNDpnfBquV59PsmydG8P6yO4lRn8E860vtOJu6kdPlxFEK1FeqmXaF8miL53J0_/s162/image%20(1).png" style="background-color: #f8f9fa; font-family: Mangal, "serif"; margin-left: 1em; margin-right: 1em; text-align: center; white-space: pre;"><img border="0" data-original-height="131" data-original-width="162" height="258" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEiD5tEs9VlzLi7r8lN8kE4wLamTJYpqOqyX17cxpdPR6dsqDtGvYbgLs04yukcniaVyfZ0dDX-Ut1ulpVoJydmd-qlHtNs2hR8D4tGRkhqMXKUh9teSCzSu1PFakQNDpnfBquV59PsmydG8P6yO4lRn8E860vtOJu6kdPlxFEK1FeqmXaF8miL53J0_/w320-h258/image%20(1).png" width="320" /></a></div><p class="Default"><span face="Roboto, "sans-serif""></span></p><p class="MsoNormal" style="line-height: normal; margin-bottom: 0cm; mso-layout-grid-align: none; text-autospace: none;"><b style="font-family: Roboto-Regular; font-size: large;"> </b><b style="font-family: Roboto-Regular; font-size: large; text-align: center;"> </b><span style="background-color: #f8f9fa; text-align: center;"><b> </b></span><b><span style="background: rgb(248, 249, 250); font-family: "Times New Roman", "serif"; font-size: 13.5pt;"> AMFI
Registered Mutual Fund Distributor </span></b></p>
<p align="center" class="MsoNormal" style="background: white; line-height: 12.8pt; margin-bottom: .0001pt; margin-bottom: 0cm; mso-background-themecolor: background1; mso-margin-top-alt: auto; text-align: center;"><b><span style="font-family: Mangal, "serif"; font-size: 10pt;">
<span lang="HI">6306522855</span>
</span></b><span style="font-family: "Times New Roman", "serif"; font-size: 13.5pt;"><o:p></o:p></span></p>
<p align="center" class="MsoNormal" style="background: white; line-height: 12.8pt; margin-bottom: .0001pt; margin-bottom: 0cm; mso-background-themecolor: background1; mso-margin-top-alt: auto; text-align: center;"><b><span style="font-size: 10pt;">
Hazratganj, Lucknow, </span></b><b><span lang="HI" style="font-family: Mangal, "serif"; font-size: 10pt;">226001</span></b><b><span style="font-family: Mangal, "serif"; font-size: 10pt;"> </span></b><span style="font-family: "Times New Roman", "serif"; font-size: 13.5pt;"><o:p></o:p></span></p>
<p align="center" class="MsoNormal" style="background: white; line-height: 12.8pt; margin-bottom: .0001pt; margin-bottom: 0cm; mso-background-themecolor: background1; mso-margin-top-alt: auto; text-align: center;"><b><span style="font-size: 10pt;">
customercare@vsix.co.in || www.vsix.co.in
</span></b><span style="font-family: "Times New Roman", "serif"; font-size: 13.5pt;"><o:p></o:p></span></p>
<p align="center" class="MsoNormal" style="background: white; line-height: 16.0pt; margin-bottom: .0001pt; margin-bottom: 0cm; mso-background-themecolor: background1; mso-margin-top-alt: auto; text-align: center;"><span style="color: #202124; font-family: ""serif"","serif"; font-size: 12.0pt; mso-bidi-font-family: "Times New Roman"; mso-fareast-font-family: "Times New Roman";"> </span><span style="font-family: "Times New Roman", "serif"; font-size: 13.5pt;"><o:p></o:p></span></p>
<p class="MsoNormal" style="background: white; mso-background-themecolor: background1;"><o:p> </o:p></p><p class="Default"><span face="Roboto, "sans-serif""><b><span style="font-size: medium;"><br /></span></b></span></p><p class="Default"><span face="Roboto, "sans-serif""><b><span style="font-size: medium;"><br /></span></b></span></p>V6 ARTHGYAN LLPhttp://www.blogger.com/profile/18128509813979049058noreply@blogger.com0tag:blogger.com,1999:blog-4746449159280106368.post-74325884242242790422022-07-14T22:35:00.002-07:002022-07-14T22:35:26.430-07:00<p> <span style="color: #202124; font-family: Mangal, "serif";"><b><span style="font-size: x-large;">क्या हमें आपात स्थिति के लिए क्रेडिट कार्ड पर निर्भर रहना चाहिए</span></b></span></p><p class="MsoNormal" style="line-height: normal; margin-bottom: 0cm; tab-stops: 45.8pt 91.6pt 137.4pt 183.2pt 229.0pt 274.8pt 320.6pt 366.4pt 412.2pt 458.0pt 503.8pt 549.6pt 595.4pt 641.2pt 687.0pt 732.8pt;"><span style="color: #202124; font-family: "inherit","serif"; font-size: 12pt; mso-bidi-font-family: "Courier New"; mso-fareast-font-family: "Times New Roman";"><o:p></o:p></span></p><p class="MsoNormal" style="line-height: 29.9pt; margin-bottom: 0cm; tab-stops: 45.8pt 91.6pt 137.4pt 183.2pt 229.0pt 274.8pt 320.6pt 366.4pt 412.2pt 458.0pt 503.8pt 549.6pt 595.4pt 641.2pt 687.0pt 732.8pt;"> <a href="https://blogger.googleusercontent.com/img/a/AVvXsEix50_ZNlgV8QC61tRCPDO2Il6tPmk-K7bywhT68iZ_UCdb3JW-GsNudpCJWIMphDeBHcuGJlpfcH0ChaXX7Nf0ik_RxkmumaOEiyOykn0bxE9V1EQCUzfg07un2aJMKUxXNLwgZ5UpNPh0vBJGN7M1SqaFfReA9_QJaSnlrdFW5z71AhP8Bukcbvs6" style="margin-left: 1em; margin-right: 1em; text-align: center;"><img alt="" data-original-height="507" data-original-width="959" height="169" src="https://blogger.googleusercontent.com/img/a/AVvXsEix50_ZNlgV8QC61tRCPDO2Il6tPmk-K7bywhT68iZ_UCdb3JW-GsNudpCJWIMphDeBHcuGJlpfcH0ChaXX7Nf0ik_RxkmumaOEiyOykn0bxE9V1EQCUzfg07un2aJMKUxXNLwgZ5UpNPh0vBJGN7M1SqaFfReA9_QJaSnlrdFW5z71AhP8Bukcbvs6" width="320" /></a> </p><pre style="background: white; mso-background-themecolor: background1;"><span class="y2iqfc"><span lang="HI" style="color: #202124; font-family: Mangal, "serif";"><b><span style="font-size: x-large;">5 कारणों से आपको आपात स्थिति के लिए क्रेडिट कार्ड</span></b></span></span></pre><pre style="background: white; mso-background-themecolor: background1;"><span class="y2iqfc"><span lang="HI" style="color: #202124; font-family: Mangal, "serif";"><b><span style="font-size: x-large;">पर निर्भर नहीं रहना चाहिए</span></b></span></span><span style="color: #202124; font-family: "inherit","serif"; font-size: 12pt;"><o:p></o:p></span></pre><pre style="background: white; mso-background-themecolor: background1;"><span class="y2iqfc"><span lang="HI" style="color: #202124;"><pre style="background-attachment: initial; background-clip: initial; background-image: initial; background-origin: initial; background-position: initial; background-repeat: initial; background-size: initial; font-family: Mangal, "serif";"><span style="font-size: medium;"><span class="y2iqfc"><span lang="HI" style="font-family: Mangal, "serif";">सभी के पास इमरजेंसी फंड होना चाहिए। एक इमर्जेंसी फंड आपको नौकरी छूटने</span></span><span class="y2iqfc"><span style="font-family: "inherit", "serif";">, </span></span><span class="y2iqfc"><span lang="HI" style="font-family: Mangal, "serif";">मेडिकल इमरजेंसी जैसी किसी</span></span></span></pre><pre style="background-attachment: initial; background-clip: initial; background-image: initial; background-origin: initial; background-position: initial; background-repeat: initial; background-size: initial; font-family: Mangal, "serif";"><span style="font-size: medium;"><span class="y2iqfc"><span lang="HI" style="font-family: Mangal, "serif";">भी आपात स्थिति से निपटने में मदद करेगा। हालांकि</span></span><span class="y2iqfc"><span style="font-family: "inherit", "serif";">, </span></span><span class="y2iqfc"><span lang="HI" style="font-family: Mangal, "serif";">कई व्यक्ति आपातकालीन निधि नहीं बनाते हैं क्योंकि </span></span></span></pre><pre style="background-attachment: initial; background-clip: initial; background-image: initial; background-origin: initial; background-position: initial; background-repeat: initial; background-size: initial;"><span style="font-size: medium;"><span class="y2iqfc"><span lang="HI" style="font-family: Mangal, "serif";">उनका मानना है कि वे आपात स्थिति के लिए अपने क्रेडिट कार्ड का उपयोग कर सकते हैं</span><span lang="HI"><span style="font-family: inherit, serif;"> </span></span></span><span lang="HI" style="font-family: Mangal, "serif";">जबकि क्रेडिट कार्ड</span></span></pre><pre style="background-attachment: initial; background-clip: initial; background-image: initial; background-origin: initial; background-position: initial; background-repeat: initial; background-size: initial;"><span style="font-size: medium;"><span lang="HI" style="font-family: Mangal, "serif";">आपातकालीन स्थितियों के दौरान काम आ सकते हैं और आपातकालीन निधि के पूरक हो सकते हैं</span><span class="y2iqfc" style="font-family: Mangal, "serif";"><span style="font-family: "inherit", "serif";">, </span></span><span class="y2iqfc" style="font-family: Mangal, "serif";"><span lang="HI">आपातकालीन</span></span></span></pre><pre style="background-attachment: initial; background-clip: initial; background-image: initial; background-origin: initial; background-position: initial; background-repeat: initial; background-size: initial;"><span class="y2iqfc" style="font-family: Mangal, "serif";"><span lang="HI"><span style="font-size: medium;">खर्चों का ध्यान रखने के लिए क्रेडिट कार्ड पर भरोसा करना सबसे अच्छा विकल्प नहीं है।.</span></span></span></pre><pre style="background-attachment: initial; background-clip: initial; background-image: initial; background-origin: initial; background-position: initial; background-repeat: initial; background-size: initial;"><span class="y2iqfc" style="font-family: Mangal, "serif";"><span lang="HI"><b><span style="font-size: x-large;">नौकरी छूटने के दौरान क्रेडिट कार्ड आपकी मदद नहीं कर सकता है</span></b></span></span></pre><pre style="background-attachment: initial; background-clip: initial; background-image: initial; background-origin: initial; background-position: initial; background-repeat: initial; background-size: initial;"><span class="y2iqfc"><span lang="HI"><pre style="background-attachment: initial; background-clip: initial; background-image: initial; background-origin: initial; background-position: initial; background-repeat: initial; background-size: initial; font-family: Mangal, "serif";"><span class="y2iqfc"><span lang="HI" style="font-family: Mangal, "serif";"><span style="font-size: medium;">वर्तमान परिदृश्य ने कई लोगों की नौकरियों को दांव पर लगा दिया है। जब तक आपको दूसरी नौकरी नहीं </span></span></span></pre><pre style="background-attachment: initial; background-clip: initial; background-image: initial; background-origin: initial; background-position: initial; background-repeat: initial; background-size: initial; font-family: Mangal, "serif";"><span style="font-size: medium;"><span class="y2iqfc"><span lang="HI" style="font-family: Mangal, "serif";">मिल जाती</span></span><span class="y2iqfc"><span style="font-family: "inherit", "serif";">, </span></span><span class="y2iqfc"><span lang="HI" style="font-family: Mangal, "serif";">तब तक एक आपातकालीन कोष आपके आवश्यक खर्चों का ध्यान रखने में आपकी सहायता करेगा।</span></span></span></pre><pre style="background-attachment: initial; background-clip: initial; background-image: initial; background-origin: initial; background-position: initial; background-repeat: initial; background-size: initial; font-family: Mangal, "serif";"><span style="font-size: medium;"><span class="y2iqfc"><span lang="HI" style="font-family: Mangal, "serif";">हालांकि</span></span><span class="y2iqfc"><span style="font-family: "inherit", "serif";">, </span></span><span class="y2iqfc"><span lang="HI" style="font-family: Mangal, "serif";">क्रेडिट कार्ड के मामले में</span></span><span class="y2iqfc"><span style="font-family: "inherit", "serif";">, </span></span><span class="y2iqfc"><span lang="HI" style="font-family: Mangal, "serif";">आपको चक्र के अंत में बकाया राशि का भुगतान करना होगा। जबकि आपके </span></span></span></pre><pre style="background-attachment: initial; background-clip: initial; background-image: initial; background-origin: initial; background-position: initial; background-repeat: initial; background-size: initial; font-family: Mangal, "serif";"><span class="y2iqfc"><span lang="HI" style="font-family: Mangal, "serif";"><span style="font-size: medium;">पास एक निश्चित मासिक वेतन होने पर आपके क्रेडिट कार्ड की बकाया राशि का भुगतान करना आसान हो </span></span></span></pre><pre style="background-attachment: initial; background-clip: initial; background-image: initial; background-origin: initial; background-position: initial; background-repeat: initial; background-size: initial; font-family: Mangal, "serif";"><span style="font-size: medium;"><span class="y2iqfc"><span lang="HI" style="font-family: Mangal, "serif";">सकता है</span></span><span class="y2iqfc"><span style="font-family: "inherit", "serif";">, </span></span><span class="y2iqfc"><span lang="HI" style="font-family: Mangal, "serif";">यह आय के एक निश्चित स्रोत के बिना व्यवहार्य नहीं हो सकता है।.</span></span></span></pre><pre style="background-attachment: initial; background-clip: initial; background-image: initial; background-origin: initial; background-position: initial; background-repeat: initial; background-size: initial; font-family: Mangal, "serif";"><span style="font-size: medium;"><span lang="HI" style="font-family: Mangal, "serif";">इसलिए</span><span class="y2iqfc" style="font-family: Mangal, "serif";"><span style="font-family: "inherit", "serif";">, </span></span><span class="y2iqfc" style="font-family: Mangal, "serif";"><span lang="HI">नौकरी मिलने तक वित्तीय सहायता प्रदान करने के लिए एक आपातकालीन निधि का निर्माण अनिवार्य है</span></span></span></pre><pre style="background-attachment: initial; background-clip: initial; background-image: initial; background-origin: initial; background-position: initial; background-repeat: initial; background-size: initial;"><span class="y2iqfc"><span lang="HI"><pre style="background-attachment: initial; background-clip: initial; background-image: initial; background-origin: initial; background-position: initial; background-repeat: initial; background-size: initial; font-family: Mangal, "serif";"><span class="y2iqfc"><span lang="HI" style="font-family: Mangal, "serif";"><span style="font-size: x-large;"><b>क्रेडिट कार्ड का उपयोग करना ऋण लेने जैसा है</b></span></span></span></pre><pre style="background-attachment: initial; background-clip: initial; background-image: initial; background-origin: initial; background-position: initial; background-repeat: initial; background-size: initial;"><span class="y2iqfc"><span lang="HI"><pre style="background-attachment: initial; background-clip: initial; background-image: initial; background-origin: initial; background-position: initial; background-repeat: initial; background-size: initial; font-family: Mangal, "serif";"><span class="y2iqfc"><span lang="HI" style="font-family: Mangal, "serif";"><span style="font-size: medium;">जब आप अपने आपातकालीन उद्देश्यों के लिए भुगतान करने के लिए अपने क्रेडिट कार्ड का उपयोग कर रहे </span></span></span></pre><pre style="background-attachment: initial; background-clip: initial; background-image: initial; background-origin: initial; background-position: initial; background-repeat: initial; background-size: initial; font-family: Mangal, "serif";"><span style="font-size: medium;"><span class="y2iqfc"><span lang="HI" style="font-family: Mangal, "serif";">हैं</span></span><span class="y2iqfc"><span style="font-family: "inherit", "serif";">, </span></span><span class="y2iqfc"><span lang="HI" style="font-family: Mangal, "serif";">तो यह ऋण लेने जैसा है। ऐसा इसलिए है क्योंकि आप इसे अपनी जेब से नहीं दे सकते हैं और आपको बाद</span></span></span></pre><pre style="background-attachment: initial; background-clip: initial; background-image: initial; background-origin: initial; background-position: initial; background-repeat: initial; background-size: initial;"><span style="font-size: medium;"><span class="y2iqfc"><span lang="HI" style="font-family: Mangal, "serif";">में पैसे वापस करने होंगे।</span><span lang="HI"> </span></span><span lang="HI" style="font-family: Mangal, "serif";">यदि आपके पास पहले से ही इस क्रेडिट कार्ड पर बकाया राशि है</span><span class="y2iqfc" style="font-family: Mangal, "serif";"><span style="font-family: "inherit", "serif";">, </span></span><span class="y2iqfc" style="font-family: Mangal, "serif";"><span lang="HI">तो आपातकालीन </span></span></span></pre><pre style="background-attachment: initial; background-clip: initial; background-image: initial; background-origin: initial; background-position: initial; background-repeat: initial; background-size: initial;"><span style="font-size: medium;"><span class="y2iqfc" style="font-family: Mangal, "serif";"><span lang="HI">व्यय एक अतिरिक्त बोझ होगा। और अगर आप इसे एक बार में वापस नहीं कर सकते हैं</span></span><span class="y2iqfc" style="font-family: Mangal, "serif";"><span style="font-family: "inherit", "serif";">, </span></span><span class="y2iqfc" style="font-family: Mangal, "serif";"><span lang="HI">तो आपको ब्याज </span></span></span></pre><pre style="background-attachment: initial; background-clip: initial; background-image: initial; background-origin: initial; background-position: initial; background-repeat: initial; background-size: initial;"><span class="y2iqfc" style="font-family: Mangal, "serif";"><span lang="HI"><span style="font-size: medium;">देना पड़ सकता है.</span></span></span></pre><pre style="background-attachment: initial; background-clip: initial; background-image: initial; background-origin: initial; background-position: initial; background-repeat: initial; background-size: initial;"><span class="y2iqfc" style="font-family: Mangal, "serif";"><span lang="HI"><b><span style="font-size: x-large;">क्रेडिट कार्ड कंपनियों द्वारा ली जाने वाली ब्याज दर आसमान छूती है</span></b></span></span></pre><pre style="background-attachment: initial; background-clip: initial; background-image: initial; background-origin: initial; background-position: initial; background-repeat: initial; background-size: initial;"><span style="font-size: medium;">यदि आप समय पर देय राशि का भुगतान नहीं कर सकते हैं तो क्रेडिट कार्ड कंपनियां दोहरे अंकों की ब्याज </span></pre><pre style="background-attachment: initial; background-clip: initial; background-image: initial; background-origin: initial; background-position: initial; background-repeat: initial; background-size: initial;"><span class="y2iqfc"><span lang="HI"><pre style="background-attachment: initial; background-clip: initial; background-image: initial; background-origin: initial; background-position: initial; background-repeat: initial; background-size: initial; font-family: Mangal, "serif";"><span style="font-size: medium;"><span class="y2iqfc"><span lang="HI" style="font-family: Mangal, "serif";">दर</span></span><span lang="HI" style="font-family: Mangal, "serif";">वसूलती हैं। </span><span lang="HI" style="font-family: Mangal, "serif";">यदि आप पूरी राशि का भुगतान नहीं कर सकते हैं</span><span class="y2iqfc" style="font-family: Mangal, "serif";"><span style="font-family: "inherit", "serif";">, </span></span><span class="y2iqfc" style="font-family: Mangal, "serif";"><span lang="HI">तो आप न्यूनतम मासिक आवश्यकता राशि </span></span></span></pre><pre style="background-attachment: initial; background-clip: initial; background-image: initial; background-origin: initial; background-position: initial; background-repeat: initial; background-size: initial; font-family: Mangal, "serif";"><span style="font-size: medium;"><span class="y2iqfc" style="font-family: Mangal, "serif";"><span lang="HI">का भुगतान करके बकाया राशि को एक अवधि में चुका सकते हैं। हालाँकि</span></span><span class="y2iqfc" style="font-family: Mangal, "serif";"><span style="font-family: "inherit", "serif";">, </span></span><span class="y2iqfc" style="font-family: Mangal, "serif";"><span lang="HI">यह भुगतान सुविधा बहुत अधिक </span></span></span></pre><pre style="background-attachment: initial; background-clip: initial; background-image: initial; background-origin: initial; background-position: initial; background-repeat: initial; background-size: initial; font-family: Mangal, "serif";"><span style="font-size: medium;"><span class="y2iqfc" style="font-family: Mangal, "serif";"><span lang="HI">लागत के साथ आती है। आपके क्रेडिट चक्र के आधार पर</span></span><span class="y2iqfc" style="font-family: Mangal, "serif";"><span style="font-family: "inherit", "serif";">, </span></span><span class="y2iqfc" style="font-family: Mangal, "serif";"><span lang="HI">आपको कुल राशि पर ब्याज और शेष राशि पर </span></span></span></pre><pre style="background-attachment: initial; background-clip: initial; background-image: initial; background-origin: initial; background-position: initial; background-repeat: initial; background-size: initial; font-family: Mangal, "serif";"><span class="y2iqfc" style="font-family: Mangal, "serif";"><span lang="HI"><span style="font-size: medium;">ब्याज का भुगतान तब तक करना पड़ सकता है जब तक आप पूरा बिल का भुगतान नहीं कर देते। इसका </span></span></span></pre><pre style="background-attachment: initial; background-clip: initial; background-image: initial; background-origin: initial; background-position: initial; background-repeat: initial; background-size: initial; font-family: Mangal, "serif";"><span class="y2iqfc" style="font-family: Mangal, "serif";"><span lang="HI"><span style="font-size: medium;">मतलब यह हो सकता है कि यदि आप अंतिम तिथि से पहले पूरी बकाया बिल राशि का भुगतान नहीं करते</span></span></span></pre><pre style="background-attachment: initial; background-clip: initial; background-image: initial; background-origin: initial; background-position: initial; background-repeat: initial; background-size: initial; font-family: Mangal, "serif";"><span class="y2iqfc" style="font-family: Mangal, "serif";"><span lang="HI"><span style="font-size: medium;">हैं तो आपको ब्याज के रूप में बहुत सारा पैसा देना पड़ सकता है।.</span></span></span></pre><pre style="background-attachment: initial; background-clip: initial; background-image: initial; background-origin: initial; background-position: initial; background-repeat: initial; background-size: initial; font-family: Mangal, "serif";"><span class="y2iqfc" style="font-family: Mangal, "serif";"><span lang="HI"><b><span style="font-size: x-large;">आपका क्रेडिट स्कोर/सिबिल स्कोर प्रभावित हो सकता है</span></b><span style="font-size: 12pt;">,</span></span></span></pre><pre style="background-attachment: initial; background-clip: initial; background-image: initial; background-origin: initial; background-position: initial; background-repeat: initial; background-size: initial;"><span class="y2iqfc"><span lang="HI"><pre style="background-attachment: initial; background-clip: initial; background-image: initial; background-origin: initial; background-position: initial; background-repeat: initial; background-size: initial; font-family: Mangal, "serif";"><span class="y2iqfc"><span lang="HI" style="font-family: Mangal, "serif"; font-size: medium;">प्रत्येक वयस्क के लिए एक अच्छा क्रेडिट स्कोर महत्वपूर्ण है। क्रेडिट स्कोर व्यक्ति की साख को दर्शाता है</span></span></pre><pre style="background-attachment: initial; background-clip: initial; background-image: initial; background-origin: initial; background-position: initial; background-repeat: initial; background-size: initial;"><span style="font-size: medium;"><span class="y2iqfc" style="font-family: Mangal, "serif";"><span lang="HI" style="font-family: Mangal, "serif";">क्रेडिट स्कोर के आधार पर</span></span><span class="y2iqfc" style="font-family: Mangal, "serif";"><span style="font-family: "inherit", "serif";">, </span></span><span class="y2iqfc"><span lang="HI" style="font-family: Mangal, "serif";">वित्तीय संस्थान अपने ग्राहकों को क्रेडिट कार्ड और ऋण प्रदान करते हैं। </span></span><span lang="HI" style="font-family: Mangal, "serif";">क्रेडिट </span></span></pre><pre style="background-attachment: initial; background-clip: initial; background-image: initial; background-origin: initial; background-position: initial; background-repeat: initial; background-size: initial;"><span style="font-size: medium;"><span lang="HI" style="font-family: Mangal, "serif";">कार्ड की शेष राशि को आगे ले जाना</span><span class="y2iqfc" style="font-family: Mangal, "serif";"><span style="font-family: "inherit", "serif";">, </span></span><span class="y2iqfc" style="font-family: Mangal, "serif";"><span lang="HI">समय पर क्रेडिट कार्ड की बकाया राशि का भुगतान न करना और उच्च</span></span></span></pre><pre style="background-attachment: initial; background-clip: initial; background-image: initial; background-origin: initial; background-position: initial; background-repeat: initial; background-size: initial;"><span class="y2iqfc" style="font-family: Mangal, "serif";"><span lang="HI" style="font-size: medium;">क्रेडिट उपयोग अनुपात आपके क्रेडिट स्कोर को नुकसान पहुंचा सकता है। क्रेडिट उपयोग अनुपात कुल क्रेडिट </span></span></pre><pre style="background-attachment: initial; background-clip: initial; background-image: initial; background-origin: initial; background-position: initial; background-repeat: initial; background-size: initial;"><span style="font-size: medium;"><span class="y2iqfc" style="font-family: Mangal, "serif";"><span lang="HI">सीमा की तुलना में उपयोग किए गए क्रेडिट को मापता है। </span></span><span lang="HI" style="font-family: Mangal, "serif";">इसलिए</span><span class="y2iqfc" style="font-family: Mangal, "serif";"><span style="font-family: "inherit", "serif";">, </span></span><span class="y2iqfc" style="font-family: Mangal, "serif";"><span lang="HI">यदि आप अपने क्रेडिट कार्ड का उपयोग </span></span></span></pre><pre style="background-attachment: initial; background-clip: initial; background-image: initial; background-origin: initial; background-position: initial; background-repeat: initial; background-size: initial;"><span style="font-size: medium;"><span class="y2iqfc" style="font-family: Mangal, "serif";"><span lang="HI">अपने आपातकालीन निधि के रूप में करते हैं और आप समय पर बकाया का भुगतान नहीं कर पाते हैं</span></span><span class="y2iqfc" style="font-family: Mangal, "serif";"><span style="font-family: "inherit", "serif";">, </span></span><span class="y2iqfc" style="font-family: Mangal, "serif";"><span lang="HI">तो </span></span></span></pre><pre style="background-attachment: initial; background-clip: initial; background-image: initial; background-origin: initial; background-position: initial; background-repeat: initial; background-size: initial;"><span class="y2iqfc" style="font-family: Mangal, "serif";"><span lang="HI" style="font-size: medium;">आपका क्रेडिट स्कोर प्रभावित हो सकता है।.</span></span></pre><pre style="background-attachment: initial; background-clip: initial; background-image: initial; background-origin: initial; background-position: initial; background-repeat: initial; background-size: initial;"><span class="y2iqfc" style="font-family: Mangal, "serif";"><span lang="HI"><b><span style="font-size: x-large;">कर्ज के सर्पिल में गिरने का खतरा,</span></b></span></span></pre><pre style="background-attachment: initial; background-clip: initial; background-image: initial; background-origin: initial; background-position: initial; background-repeat: initial; background-size: initial;"><span style="font-size: medium;"><span lang="HI" style="font-family: Mangal, "serif";">जब आप अपने क्रेडिट कार्ड पर शेष राशि को आगे बढ़ाते हैं</span><span class="y2iqfc" style="font-family: Mangal, "serif"; text-indent: 0cm;"><span style="font-family: "inherit", "serif";">, </span></span><span class="y2iqfc" style="font-family: Mangal, "serif"; text-indent: 0cm;"><span lang="HI">तो आप ऋण सर्पिल में गिरने का जोखिम उठाते हैं।</span></span></span></pre><pre style="background-attachment: initial; background-clip: initial; background-image: initial; background-origin: initial; background-position: initial; background-repeat: initial; background-size: initial;"><span style="font-size: medium;"><span class="y2iqfc" style="font-family: Mangal, "serif"; text-indent: 0cm;"><span lang="HI">यहां तक कि अगर आप अपनी आपात स्थिति के भुगतान के लिए अपने कार्ड का उपयोग कर रहे हैं</span></span><span class="y2iqfc" style="font-family: Mangal, "serif"; text-indent: 0cm;"><span style="font-family: "inherit", "serif";">, </span></span><span class="y2iqfc" style="font-family: Mangal, "serif"; text-indent: 0cm;"><span lang="HI">तो आप </span></span></span></pre><pre style="background-attachment: initial; background-clip: initial; background-image: initial; background-origin: initial; background-position: initial; background-repeat: initial; background-size: initial;"><span class="y2iqfc" style="font-family: Mangal, "serif"; text-indent: 0cm;"><span lang="HI"><span style="font-size: medium;">जितना भुगतान कर सकते हैं उससे अधिक ऋण जमा कर सकते हैं।</span></span></span></pre><pre style="background-attachment: initial; background-clip: initial; background-image: initial; background-origin: initial; background-position: initial; background-repeat: initial; background-size: initial;"><span style="font-size: medium;">क्रेडिट कार्ड दूसरी या तीसरी आपात स्थिति का ख्याल नहीं रख सकता <span lang="HI" style="font-family: Mangal, "serif";">आपात स्थिति अघोषित रूप से आती है। </span></span></pre><pre style="background-attachment: initial; background-clip: initial; background-image: initial; background-origin: initial; background-position: initial; background-repeat: initial; background-size: initial;"><span lang="HI" style="font-family: Mangal, "serif";"><span style="font-size: medium;">और कई बार ऐसा भी हो सकता है कि आपको एक साथ कई आपात स्थितियों का सामना करना पड़े। ऐसे चरण</span></span></pre><pre style="background-attachment: initial; background-clip: initial; background-image: initial; background-origin: initial; background-position: initial; background-repeat: initial; background-size: initial;"><span style="font-size: medium;"><span lang="HI" style="font-family: Mangal, "serif";">के दौरान</span><span class="y2iqfc" style="font-family: Mangal, "serif"; text-indent: 0cm;"><span style="font-family: "inherit", "serif";">, </span></span><span class="y2iqfc" style="font-family: Mangal, "serif"; text-indent: 0cm;"><span lang="HI">आप अपने क्रेडिट कार्ड पर निर्भर नहीं रह सकते हैं। ऐसी संभावना हो सकती है कि आपने पहली आपात</span></span></span></pre><pre style="background-attachment: initial; background-clip: initial; background-image: initial; background-origin: initial; background-position: initial; background-repeat: initial; background-size: initial;"><span style="font-size: medium;"><span class="y2iqfc" style="font-family: Mangal, "serif"; text-indent: 0cm;"><span lang="HI">स्थिति में अपनी क्रेडिट कार्ड सीमा को अधिकतम कर दिया हो। इसलिए</span></span><span class="y2iqfc" style="font-family: Mangal, "serif"; text-indent: 0cm;"><span style="font-family: "inherit", "serif";">, </span></span><span class="y2iqfc" style="font-family: Mangal, "serif"; text-indent: 0cm;"><span lang="HI">आप अपनी अन्य आपात स्थितियों से निपटने</span></span></span></pre><pre style="background-attachment: initial; background-clip: initial; background-image: initial; background-origin: initial; background-position: initial; background-repeat: initial; background-size: initial;"><span class="y2iqfc" style="font-family: Mangal, "serif"; text-indent: 0cm;"><span lang="HI"><span style="font-size: medium;">के विकल्पों से बाहर हो सकते हैं</span></span></span></pre><pre style="background-attachment: initial; background-clip: initial; background-image: initial; background-origin: initial; background-position: initial; background-repeat: initial; background-size: initial;"><span class="y2iqfc" style="font-family: Mangal, "serif";"><span lang="HI"><pre style="background-attachment: initial; background-clip: initial; background-image: initial; background-origin: initial; background-position: initial; background-repeat: initial; background-size: initial; font-size: 12pt;"><span class="y2iqfc"><span style="font-family: "inherit", "serif"; font-size: 12pt;"><o:p></o:p></span></span></pre><pre style="background-attachment: initial; background-clip: initial; background-image: initial; background-origin: initial; background-position: initial; background-repeat: initial; background-size: initial; margin-left: 0cm; text-indent: 0cm;"><span style="font-size: x-large;"><b>निष्कर्ष</b></span></pre><pre style="background-attachment: initial; background-clip: initial; background-image: initial; background-origin: initial; background-position: initial; background-repeat: initial; background-size: initial; margin-left: 0cm; text-indent: 0cm;"><span style="font-size: medium;">आपातकालीन निधि के साथ<span class="y2iqfc" style="font-family: Mangal, "serif"; text-indent: 0cm;"><span style="font-family: "inherit", "serif";">, </span></span><span class="y2iqfc" style="font-family: Mangal, "serif"; text-indent: 0cm;"><span lang="HI">क्रेडिट कार्ड आपातकालीन स्थितियों के दौरान आपकी सहायता कर सकते हैं। क्रेडिट </span></span></span></pre><pre style="background-attachment: initial; background-clip: initial; background-image: initial; background-origin: initial; background-position: initial; background-repeat: initial; background-size: initial; margin-left: 0cm; text-indent: 0cm;"><span class="y2iqfc" style="font-family: Mangal, "serif"; text-indent: 0cm;"><span lang="HI"><span style="font-size: medium;">कार्ड आपातकालीन निधि का विकल्प नहीं हैं। आपात स्थिति के लिए पूरी तरह क्रेडिट कार्ड पर निर्भर रहने से </span></span></span></pre><pre style="background-attachment: initial; background-clip: initial; background-image: initial; background-origin: initial; background-position: initial; background-repeat: initial; background-size: initial; margin-left: 0cm; text-indent: 0cm;"><span style="font-size: medium;"><span class="y2iqfc" style="font-family: Mangal, "serif"; text-indent: 0cm;"><span lang="HI">आपके क्रेडिट स्कोर पर नकारात्मक प्रभाव पड़ सकता है और आप कर्ज के जाल में फंस सकते हैं। इसलिए</span></span><span class="y2iqfc" style="font-family: Mangal, "serif"; text-indent: 0cm;"><span style="font-family: "inherit", "serif";">, </span></span><span class="y2iqfc" style="font-family: Mangal, "serif"; text-indent: 0cm;"><span lang="HI">लंबी </span></span></span></pre><pre style="background-attachment: initial; background-clip: initial; background-image: initial; background-origin: initial; background-position: initial; background-repeat: initial; background-size: initial; margin-left: 0cm; text-indent: 0cm;"><span class="y2iqfc" style="font-family: Mangal, "serif"; text-indent: 0cm;"><span lang="HI"><span style="font-size: medium;">अवधि और छोटी अवधि की आपात स्थितियों से निपटने के लिए लिक्विड म्यूचुअल फंड और बचत खाते में एक </span></span></span></pre><pre style="background-attachment: initial; background-clip: initial; background-image: initial; background-origin: initial; background-position: initial; background-repeat: initial; background-size: initial; margin-left: 0cm; text-indent: 0cm;"><span class="y2iqfc" style="font-family: Mangal, "serif"; text-indent: 0cm;"><span lang="HI"><span style="font-size: medium;">आपातकालीन फंड बनाना महत्वपूर्ण है।.</span></span></span><span style="font-family: "inherit", "serif"; text-indent: 0cm;"><span style="font-family: "Times New Roman"; font-stretch: normal; font-variant-east-asian: normal; font-variant-numeric: normal; line-height: normal;"><span style="font-size: medium;"> </span></span><span style="font-family: "Times New Roman"; font-size: 7pt; font-stretch: normal; font-variant-east-asian: normal; font-variant-numeric: normal; line-height: normal;"> </span></span><span style="font-family: "inherit", "serif"; font-size: 12pt; text-indent: 0cm;"><o:p> </o:p></span></pre></span></span></pre></span></span></pre></span></span></pre></span></span></pre><p class="MsoNormal" style="font-family: Mangal, "serif"; font-size: 12pt; line-height: normal;"><br /></p></span></span><span style="font-family: Mangal, serif; font-size: 12pt;"> <a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEiD5tEs9VlzLi7r8lN8kE4wLamTJYpqOqyX17cxpdPR6dsqDtGvYbgLs04yukcniaVyfZ0dDX-Ut1ulpVoJydmd-qlHtNs2hR8D4tGRkhqMXKUh9teSCzSu1PFakQNDpnfBquV59PsmydG8P6yO4lRn8E860vtOJu6kdPlxFEK1FeqmXaF8miL53J0_/s162/image%20(1).png" style="background-color: #f8f9fa; font-family: Mangal, "serif"; font-size: medium; margin-left: 1em; margin-right: 1em; text-align: center;"><img border="0" data-original-height="131" data-original-width="162" height="258" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEiD5tEs9VlzLi7r8lN8kE4wLamTJYpqOqyX17cxpdPR6dsqDtGvYbgLs04yukcniaVyfZ0dDX-Ut1ulpVoJydmd-qlHtNs2hR8D4tGRkhqMXKUh9teSCzSu1PFakQNDpnfBquV59PsmydG8P6yO4lRn8E860vtOJu6kdPlxFEK1FeqmXaF8miL53J0_/w320-h258/image%20(1).png" width="320" /></a> </span></pre><pre style="background-attachment: initial; background-clip: initial; background-image: initial; background-origin: initial; background-position: initial; background-repeat: initial; background-size: initial;"><span style="font-family: Mangal, serif; font-size: 12pt;"> </span><b style="background-color: #f8f9fa; color: black; font-family: "Times New Roman"; text-align: center; white-space: normal;"> </b> <span style="background-color: #f8f9fa; color: black; font-family: "Times New Roman"; text-align: center; white-space: normal;"><b> AMFI Registered Mutual Fund Distributor </b></span><b style="color: black; font-family: "Times New Roman"; text-align: center; white-space: normal;"><span lang="HI" style="font-family: Mangal, "serif"; font-size: 10pt;">6306522855 </span></b><b style="color: black; font-family: "Times New Roman"; text-align: center; white-space: normal;"><span style="font-family: "Times New Roman", "serif"; font-size: 10pt;">Hazratganj, Lucknow, </span><span lang="HI" style="font-family: Mangal, "serif"; font-size: 10pt;">226001 </span></b><b style="color: black; font-family: "Times New Roman", "serif"; font-size: 10pt; text-align: center; white-space: normal;"> customercare@vsix.co.in || www.vsix.co.in</b> </pre><p class="MsoNormal" style="color: black; font-family: "Times New Roman"; line-height: 12.8pt; margin-bottom: 0.0001pt; text-align: center; white-space: normal;"><br /></p><p class="MsoNormal" style="color: black; font-family: "Times New Roman"; line-height: 12.8pt; margin-bottom: 0.0001pt; text-align: center; white-space: normal;"><br /></p><p class="MsoNormal" style="background-attachment: initial; background-clip: initial; background-image: initial; background-origin: initial; background-position: initial; background-repeat: initial; background-size: initial; color: black; font-family: "Times New Roman"; line-height: 16pt; margin-bottom: 0cm; mso-background-themecolor: background1; tab-stops: 45.8pt 91.6pt 137.4pt 183.2pt 229.0pt 274.8pt 320.6pt 366.4pt 412.2pt 458.0pt 503.8pt 549.6pt 595.4pt 641.2pt 687.0pt 732.8pt; text-align: center; white-space: normal;"><span style="background-color: #f8f9fa;"><b></b></span></p><pre style="background-attachment: initial; background-clip: initial; background-image: initial; background-origin: initial; background-position: initial; background-repeat: initial; background-size: initial;"><b style="color: black; font-family: "Times New Roman", "serif"; font-size: 10pt; text-align: center; white-space: normal;"> </b></pre>
<p class="MsoNormal" style="background-attachment: initial; background-clip: initial; background-image: initial; background-origin: initial; background-position: initial; background-repeat: initial; background-size: initial; line-height: normal; margin-bottom: 0.0001pt;"><b><span style="background: rgb(248, 249, 250); color: black; font-family: "Times New Roman","serif"; font-size: 13.5pt; mso-fareast-font-family: "Times New Roman";"> </span></b></p>
<pre style="background-attachment: initial; background-clip: initial; background-image: initial; background-origin: initial; background-position: initial; background-repeat: initial; background-size: initial;"> </pre>
<p class="MsoNormal" style="background-attachment: initial; background-clip: initial; background-image: initial; background-origin: initial; background-position: initial; background-repeat: initial; background-size: initial; line-height: normal; margin-bottom: 0.0001pt;"><b><span style="background: rgb(248, 249, 250); color: black; font-family: "Times New Roman","serif"; font-size: 13.5pt; mso-fareast-font-family: "Times New Roman";"> <br /></span></b></p>
<p align="center" class="MsoNormal" style="background-attachment: initial; background-clip: initial; background-image: initial; background-origin: initial; background-position: initial; background-repeat: initial; background-size: initial; line-height: 16pt; margin-bottom: 0.0001pt; text-align: center;"><span style="font-size: 12pt;"> </span><span style="color: black; font-family: "Times New Roman","serif"; font-size: 13.5pt; mso-fareast-font-family: "Times New Roman";"><o:p></o:p></span></p>
<p class="MsoNormal" style="background-attachment: initial; background-clip: initial; background-image: initial; background-origin: initial; background-position: initial; background-repeat: initial; background-size: initial;"><o:p> </o:p></p>
<pre style="background-attachment: initial; background-clip: initial; background-image: initial; background-origin: initial; background-position: initial; background-repeat: initial; background-size: initial;"> </pre><pre style="background-attachment: initial; background-clip: initial; background-image: initial; background-origin: initial; background-position: initial; background-repeat: initial; background-size: initial;"><span style="font-family: Mangal, serif; font-size: 12pt;"> </span></pre><pre style="background-attachment: initial; background-clip: initial; background-image: initial; background-origin: initial; background-position: initial; background-repeat: initial; background-size: initial;"><span style="font-family: Mangal, serif; font-size: 12pt;"> </span></pre></span></span></pre></span></span></pre>V6 ARTHGYAN LLPhttp://www.blogger.com/profile/18128509813979049058noreply@blogger.com0tag:blogger.com,1999:blog-4746449159280106368.post-51155809259558416412022-06-30T21:51:00.000-07:002022-06-30T21:51:13.805-07:00<p><br /></p><p class="MsoNormal" style="background: rgb(248, 249, 250); line-height: 29.9pt; margin-bottom: 0cm; tab-stops: 45.8pt 91.6pt 137.4pt 183.2pt 229.0pt 274.8pt 320.6pt 366.4pt 412.2pt 458.0pt 503.8pt 549.6pt 595.4pt 641.2pt 687.0pt 732.8pt;"><span lang="HI" style="color: #202124; font-family: "Mangal","serif"; font-size: 22.5pt; mso-ansi-font-size: 11.0pt; mso-ascii-font-family: inherit; mso-fareast-font-family: "Times New Roman"; mso-hansi-font-family: inherit;"> वित्तीय गलतियाँ</span><span style="color: #202124; font-family: "inherit","serif"; font-size: 22.5pt; mso-bidi-font-family: "Courier New"; mso-fareast-font-family: "Times New Roman";"><o:p></o:p></span></p><p>
</p><p class="MsoNormal"><o:p> </o:p></p><p> <a href="https://blogger.googleusercontent.com/img/a/AVvXsEiPbO5loVoMAQ9msawEcDcESfRlzGg8yIw6z3twDBRY5V2eCvBXJh-fL81C7BQhdxfUCesfp5dJq84FLbHDBp6xyp_4JSoJpr_h39ILRhk-x6FcUWxotTfpDR2V2E-SCYKqQz2rc56ea0r6MUoGWgSWIwXTM1USAPG7cZQVsUyfILs0pmKb3wNIv6SR" style="margin-left: 1em; margin-right: 1em; text-align: center;"><img alt="" data-original-height="440" data-original-width="827" height="170" src="https://blogger.googleusercontent.com/img/a/AVvXsEiPbO5loVoMAQ9msawEcDcESfRlzGg8yIw6z3twDBRY5V2eCvBXJh-fL81C7BQhdxfUCesfp5dJq84FLbHDBp6xyp_4JSoJpr_h39ILRhk-x6FcUWxotTfpDR2V2E-SCYKqQz2rc56ea0r6MUoGWgSWIwXTM1USAPG7cZQVsUyfILs0pmKb3wNIv6SR" width="320" /></a></p><p><br /></p><pre style="background: rgb(248, 249, 250); line-height: 29.9pt;"><span style="font-size: x-large;"><b>क्या आप म्यूचुअल फंड निवेशक हैं<span style="background-color: transparent;">? </span><span lang="HI" style="background-color: transparent; font-family: Mangal, "serif"; line-height: 115%;">ये </span><span style="background-color: transparent;">4 </span><span lang="HI" style="background-color: transparent; font-family: Mangal, "serif"; line-height: 115%;">आर्थिक गलतियां न करें</span><span style="color: #202124; font-family: Calibri; text-align: justify;">।</span></b></span></pre><pre style="background: rgb(248, 249, 250); line-height: 29.9pt;"><p class="MsoNormal"><span style="font-size: medium;"><span lang="HI" style="font-family: Mangal, "serif"; line-height: 115%;">एक गलती के लिए सक्रिय दृष्टिकोण इसे तुरंत स्वीकार करना</span>, <span lang="HI" style="font-family: Mangal, "serif"; line-height: 115%;">सही करना और उससे सीखना है।</span></span></p><p class="MsoNormal"><span style="font-size: medium;"><span lang="HI" style="font-family: Mangal, "serif"; line-height: 115%;">" -स्टीफन कोवे</span></span></p><p class="MsoNormal"><span style="font-size: medium;"><span style="font-family: Mangal, "serif";">गलती करना मानव का स्वभाव है। हम सभी अपने जीवन </span><span style="font-family: Mangal, "serif";">के विभिन्न पहलुओं में गलतियाँ करते हैं</span></span></p><p class="MsoNormal"><span style="font-size: medium;"><span style="font-family: Mangal, "serif";">और गलतियां कदम </span></span><span style="font-size: medium;"><span style="font-family: Mangal, "serif";">रखने का काम करती हैं। </span><span style="font-family: Mangal, "serif";">इससे हमें यह पता लगाने में मदद मिलती है कि हम</span></span></p><p class="MsoNormal"><span style="font-size: medium;"><span style="font-family: Mangal, "serif";">कहां गलत हुए और अपनी गलतियों से </span><span lang="HI" style="font-family: Mangal, "serif"; line-height: 115%;">सीखें। </span><span lang="HI" style="font-family: Mangal, "serif"; line-height: 115%;">जबकि गलतियाँ हमें बढ़ने में मदद करती हैं</span><span>, </span><span lang="HI" style="font-family: Mangal, "serif"; line-height: 115%;">आपके वित्त</span></span></p><p class="MsoNormal"><span lang="HI" style="font-family: Mangal, "serif"; font-size: medium; line-height: 115%;">के संबंध में गलतियाँ लंबे </span><span style="font-family: Mangal, "serif"; font-size: medium;">समय तक चलने वाले नकारात्मक प्रभाव डाल सकती हैं। वर्तमान परिदृश्य</span></p><p class="MsoNormal"><span style="font-size: medium;"><span style="font-family: Mangal, "serif";">में भ्रमित होना </span><span style="font-family: Mangal, "serif";">आसान है। महामारी ने वैश्विक उथल-पुथल का कारण बना दिया है। </span><span lang="HI" style="font-family: Mangal, "serif"; line-height: 115%;">इस लेख</span></span></p><p class="MsoNormal"><span style="font-size: medium;"><span lang="HI" style="font-family: Mangal, "serif"; line-height: 115%;">में</span><span>, </span><span lang="HI" style="font-family: Mangal, "serif"; line-height: 115%;">हमने कुछ वित्तीय गलतियों को सूचीबद्ध किया है जिनसे आपको वर्तमान </span></span><span lang="HI" style="font-family: Mangal, "serif"; line-height: 115%;"><span style="font-size: medium;">परिदृश्य में बचना चाहिए</span></span><span lang="HI" style="font-size: medium; line-height: 115%;">.</span></p><p class="MsoNormal"><span style="font-family: Mangal, "serif";"><span style="font-size: x-large;"><b>पर्याप्त आपातकालीन निधि न होना</b></span></span></p><p class="MsoNormal"><o:p></o:p></p><p class="MsoNormal"><span style="font-size: medium;"><span style="font-family: Mangal, "serif";">सभी के पास इमरजेंसी फंड होना चाहिए। यह आपको नौकरी छूटने या स्वास्थ्य आपातकाल</span></span></p><p class="MsoNormal"><span style="font-size: medium;"><span style="font-family: Mangal, "serif";">जैसी आपात स्थितियों से </span></span><span style="font-size: medium;"><span style="font-family: Mangal, "serif";">निपटने में मदद करेगा। </span><span lang="HI" style="font-family: Mangal, "serif"; line-height: 115%;">सामान्य परिस्थितियों में</span><span>, </span><span lang="HI" style="font-family: Mangal, "serif"; line-height: 115%;">एक </span><span lang="HI" style="font-family: Mangal, "serif"; line-height: 115%;">आपातकालीन कोष </span></span></p><p class="MsoNormal"><span style="font-size: medium;"><span lang="HI" style="font-family: Mangal, "serif"; line-height: 115%;">तीन से छह महीने के </span><span lang="HI" style="font-family: Mangal, "serif"; line-height: 115%;">लिए पर्याप्त खर्च करने </span><span lang="HI" style="font-family: Mangal, "serif"; line-height: 115%;">सक्षम होना चाहिए</span><span>, </span><span lang="HI" style="font-family: Mangal, "serif"; line-height: 115%;">आप एक आपातकालीन कोष बनाने </span></span></p><p class="MsoNormal"><span lang="HI" style="font-family: Mangal, "serif"; font-size: medium; line-height: 115%;">पर विचार कर </span><span style="font-size: medium;"><span style="font-family: Mangal, "serif";">सकते हैं जो एक वर्ष के लिए आपके खर्चों का ख्याल रख सके। </span><span lang="HI" style="font-family: Mangal, "serif"; line-height: 115%;">ऐसा इसलिए है</span><span>,</span></span></p><p class="MsoNormal"><span style="font-size: medium;"><span lang="HI" style="font-family: Mangal, "serif"; line-height: 115%;">क्योंकि वर्तमान परिदृश्य में</span><span>, </span><span lang="HI" style="font-family: Mangal, "serif"; line-height: 115%;">नौकरी छूटने की संभावना है जो आपको आय </span><span><span lang="HI" style="font-family: Mangal, "serif"; line-height: 115%;">के स्रोत के बिना छोड़ सकती</span></span></span></p><p class="MsoNormal"><span style="font-size: medium;"><span style="font-family: Mangal, "serif";">है। आप अधिक पैसे बचाकर कर सकते हैं। किसी भी आवर्ती </span><span style="font-family: Mangal, "serif";">लागतों का पता लगाने के लिए </span><span lang="HI" style="font-family: Mangal, "serif"; line-height: 115%;">अपने</span></span></p><p class="MsoNormal"><span style="font-size: medium;"><span lang="HI" style="font-family: Mangal, "serif"; line-height: 115%;">बैंक विवरण देखें</span><span>, </span><span lang="HI" style="font-family: Mangal, "serif"; line-height: 115%;">जैसे </span><span style="font-family: Mangal, "serif";">सदस्यताएँ जिनका आप अब उपयोग </span><span style="font-family: Mangal, "serif";">नहीं करते हैं </span></span><span style="font-family: Mangal, "serif"; font-size: medium;">आप लिक्विड फंड और बचत</span></p><p class="MsoNormal"><span style="font-size: medium;"><span style="font-family: Mangal, "serif";">खातों के जरिए अपना </span><span style="font-family: Mangal, "serif";">इमरजेंसी फंड बनाने पर विचार कर सकते </span><span style="font-family: Mangal, "serif";">हैं। मनी लिक्विड फंड अपने ग्राहकों को</span></span></p><p class="MsoNormal"><span style="font-family: Mangal, "serif"; font-size: medium;">तत्काल मोचन प्रदान करते हैं।</span></p><p class="MsoNormal"><span style="font-family: Mangal, "serif"; font-size: xx-large;"><b>एसआईपी निवेश रोकना</b></span></p><p class="MsoNormal"><span style="font-size: medium;"><span lang="HI" style="font-family: Mangal, "serif"; line-height: 115%;">जबकि आप एक बड़ा आपातकालीन कोष बनाना चाहते हैं</span><span>, </span><span lang="HI" style="font-family: Mangal, "serif"; line-height: 115%;">अपने चल रहे एसआईपी को रोकना एक</span></span></p><p class="MsoNormal"><span lang="HI" style="font-family: Mangal, "serif"; line-height: 115%;">अच्छा</span><span lang="HI" style="line-height: 115%;"> </span><span style="font-family: Mangal, "serif"; font-size: medium;">विचार नहीं हो सकता है। रुपये की औसत लागत एसआईपी के सबसे महत्वपूर्ण लाभों</span></p><p class="MsoNormal"><span style="font-size: medium;"><span style="font-family: Mangal, "serif";">में से </span><span lang="HI" style="font-family: Mangal, "serif"; line-height: 115%;">एक है। यह म्यूचुअल फंड इकाइयों को खरीदने की लागत का औसत निकालता है। ऐसे समय </span></span></p><p class="MsoNormal"><span style="font-size: medium;"><span lang="HI" style="font-family: Mangal, "serif"; line-height: 115%;">में</span><span>, </span><span lang="HI" style="font-family: Mangal, "serif"; line-height: 115%;">जब बाजार नीचे होता है</span><span>,</span></span><span style="font-size: large;"> </span><span style="font-size: medium;"><span lang="HI" style="font-family: Mangal, "serif"; line-height: 115%;">फंड हाउस आपको उसी एसआईपी निवेश राशि </span><span style="font-family: Mangal, "serif";">के लिए अधिक यूनिट </span></span></p><p class="MsoNormal"><span style="font-size: medium;"><span style="font-family: Mangal, "serif";">करेगा। </span><span style="font-family: Mangal, "serif";">अपने एसआईपी को रोकने और अपने निवेश को भुनाने</span></span><span style="font-family: Mangal, "serif"; font-size: large;"> </span><span lang="HI" style="font-family: Mangal, "serif"; font-size: medium; line-height: 115%;">जैसे कोई भी जल्दबाजी में निर्णय</span></p><p class="MsoNormal"><span style="font-size: medium;"><span lang="HI" style="font-family: Mangal, "serif"; line-height: 115%;">लेने से पहले</span><span>, </span><span lang="HI" style="font-family: Mangal, "serif"; line-height: 115%;">यह पता लगाने की कोशिश करें कि क्या आप जो निर्णय लेने वाले हैं</span><span>, </span><span lang="HI" style="font-family: Mangal, "serif"; line-height: 115%;">वह आपके दीर्घकालिक</span></span></p><p class="MsoNormal"><span style="font-size: medium;"><span lang="HI" style="font-family: Mangal, "serif"; line-height: 115%;">वित्तीय लक्ष्यों </span><span lang="HI" style="font-family: Mangal, "serif"; line-height: 115%;">में आपकी मदद करेगा। यदि नहीं</span><span>, </span><span lang="HI" style="font-family: Mangal, "serif"; line-height: 115%;">तो </span><span style="font-family: Mangal, "serif";">आप अपना एसआईपी जारी रख सकते हैं</span></span></p><p class="MsoNormal"><o:p></o:p></p><p class="MsoNormal"><b style="font-family: Mangal, "serif"; font-size: xx-large;">कई बार अपने पोर्टफोलियो की जाँच करना</b></p><p class="MsoNormal"><span style="font-size: medium;"><span style="font-family: Mangal, "serif";"><span>आप शायद अपने एसआईपी निवेश को रोकने के बारे </span></span><span style="font-family: Mangal, "serif";">में सोच रहे हैं इसका एक कारण यह</span></span></p><p class="MsoNormal"><span style="font-size: medium;"><span style="font-family: Mangal, "serif";">हो सकता है कि आप एक दिन या सप्ताह में कई बार </span><span style="font-family: Mangal, "serif";">अपने पोर्टफोलियो की जांच कर रहे हैं।</span></span></p><p class="MsoNormal"><span style="font-size: medium;"><span style="font-family: Mangal, "serif";"><span lang="HI" style="line-height: 115%;">वर्तमान परिदृश्य में</span><span>, </span><span lang="HI" style="line-height: 115%;">आपके पोर्टफोलियो में जबरदस्त<b> </b></span></span><span lang="HI" style="font-family: Mangal, "serif"; line-height: 115%;">उतार-चढ़ाव देखने की संभावना है। हालांकि यह</span></span></p><p class="MsoNormal"><span style="font-size: medium;"><span lang="HI" style="font-family: Mangal, "serif"; line-height: 115%;">आपको डरा सकता है</span><span>, </span><span lang="HI" style="font-family: Mangal, "serif"; line-height: 115%;">बाजार के स्तर के बजाय लक्ष्यों पर </span><span style="font-family: Mangal, "serif";">ध्यान देना सबसे अच्छा है। </span><span style="font-family: Mangal, "serif";"><span>अपने निवेश</span></span></span></p><p class="MsoNormal"><span style="font-size: medium;"><span style="font-family: Mangal, "serif";"><span>पोर्टफोलियो की लगातार जांच करने से </span></span><span style="font-family: Mangal, "serif";">बचें। यह सुनिश्चित करने के लिए कि आपके म्युचुअल</span></span></p><p class="MsoNormal"><span style="font-size: medium;"><span style="font-family: Mangal, "serif";">फंड निवेश कैसा प्रदर्शन कर रहे </span><span lang="HI" style="font-family: Mangal, "serif"; line-height: 115%;">हैं</span><span>, </span><span lang="HI" style="font-family: Mangal, "serif"; line-height: 115%;">यह देखने के लिए </span><span lang="HI" style="font-family: Mangal, "serif"; line-height: 115%;">आप ललचा नहीं रहे हैं</span><span>, </span><span lang="HI" style="font-family: Mangal, "serif"; line-height: 115%;">अपने </span><span style="font-family: Mangal, "serif";">खाते से लॉग </span></span></p><p class="MsoNormal"><span style="font-size: medium;"><span style="font-family: Mangal, "serif";">आउट करें और निवेश ऐप्स को अनइंस्टॉल करें। यह आपको बड़ी तस्वीर देखने </span><span style="font-family: Mangal, "serif";">में मदद कर</span></span></p><p class="MsoNormal"><span style="font-family: Mangal, "serif"; font-size: medium;">सकता है।</span></p><p class="MsoNormal"><b style="font-family: Mangal, "serif"; font-size: xx-large;">नए म्यूचुअल फंड निवेश से बचना</b></p><p class="MsoNormal"><span style="font-size: medium;"><span style="font-family: Mangal, "serif";">वर्तमान परिदृश्य ने कई निवेशकों को जोखिम से </span><span style="font-family: Mangal, "serif";">बचा लिया है और वे अपनी पसंद के म्यूचुअल</span></span></p><p class="MsoNormal"><span style="font-size: medium;"><span style="font-family: Mangal, "serif";">फंड में एकमुश्त निवेश करने से कतरा रहे </span><span style="font-family: Mangal, "serif";">हैं। यदि आपके पास एक चालू एसआईपी है या</span></span></p><p class="MsoNormal"><span style="font-size: medium;"><span style="font-family: Mangal, "serif";">एक लंबी अवधि के वित्तीय लक्ष्य में निवेश </span><span lang="HI" style="font-family: Mangal, "serif"; line-height: 115%;">कर रहा है</span><span>, </span><span lang="HI" style="font-family: Mangal, "serif"; line-height: 115%;">तो फंड में एकमुश्त निवेश करने से आपको</span></span></p><p class="MsoNormal"><span style="font-size: medium;"><span lang="HI" style="font-family: Mangal, "serif"; line-height: 115%;">अपने </span><span style="font-family: Mangal, "serif";">लक्ष्यों तक तेजी से पहुंचने में मदद मिल सकती है। ऐसा इसलिए है क्योंकि बाजार में</span></span></p><p class="MsoNormal"><span style="font-size: medium;"><span><span lang="HI" style="font-family: Mangal, "serif"; line-height: 115%;">उछाल आने पर आपको अधिक रिटर्न मिलने की संभावना है </span></span><span style="font-family: Mangal, "serif";">चूंकि सावधि जमा और अन्य</span></span></p><p class="MsoNormal"><span style="font-family: Mangal, "serif"; font-size: medium;">पारंपरिक साधनों पर </span><span lang="HI" style="font-family: Mangal, "serif"; line-height: 115%;"><span style="font-size: medium;">ब्याज दरें नीचे गिर गयी है</span></span><span style="font-size: large;">,आप अपने मौजूदा म्यूच्यूअल फण्ड या नए फण्ड</span></p><p class="MsoNormal"><span style="font-size: medium;"><span lang="HI" style="font-family: Mangal, "serif"; line-height: 115%;">में और निवेश करने पर विचार कर सकते हैं। अपनी जोखिम लेने की क्षमता और समय सीमा</span></span></p><p class="MsoNormal"><span style="font-size: medium;"><span lang="HI" style="font-family: Mangal, "serif"; line-height: 115%;">के अनुसार म्यूचुअल फंड का चयन करना महत्वपूर्ण है। आपका वित्तीय सलाहकार आपके</span></span></p><p class="MsoNormal"><span style="font-size: medium;"><span lang="HI" style="font-family: Mangal, "serif"; line-height: 115%;">लिए सही फंड चुनने में आपकी मदद कर सकता है।</span></span></p><p class="MsoNormal"><b style="font-family: Mangal, "serif"; font-size: xx-large;">निष्कर्ष:</b></p><p class="MsoNormal"><span style="font-size: medium;"><span style="font-family: Mangal, "serif";">इस कठिन समय में अलग-अलग लोगों से</span> <span style="font-family: Mangal, "serif";">प्रभावित होना आसान है। किसी भी कार्रवाई को</span></span></p><p class="MsoNormal"><span style="font-size: medium;"><span style="font-family: Mangal, "serif";">करने से पहले हमारे आसन्न निर्णय के </span><span style="font-family: Mangal, "serif";">बारे में सोचना और सोचना अत्यंत आवश्यक है।</span></span></p><p class="MsoNormal"><span lang="HI" style="font-family: Mangal, "serif"; line-height: 115%;"><span style="font-size: medium;">बेहतर होगा कि आप उन कामों को करने से बचें जिनका आपको बाद में पछतावा हो। ये</span></span></p><p class="MsoNormal"><span lang="HI" style="font-family: Mangal, "serif"; line-height: 115%;"><span style="font-size: medium;">चार गलतियां थीं जो म्यूचुअल फंड निवेशकों को मौजूदा परिदृश्य में करने की संभावना है।</span></span></p><p class="MsoNormal"><span lang="HI" style="font-family: Mangal, "serif"; line-height: 115%;"><span style="font-size: medium;">गलतियों से बचने और सही निवेश निर्णय लेने के लिए आप अपने वित्तीय सलाहकार से परामर्श</span></span></p><p class="MsoNormal"><span lang="HI" style="font-family: Mangal, "serif"; line-height: 115%;"><span style="font-size: medium;">कर सकते हैंI</span></span></p><div class="separator" style="clear: both; text-align: center;"><a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEiD5tEs9VlzLi7r8lN8kE4wLamTJYpqOqyX17cxpdPR6dsqDtGvYbgLs04yukcniaVyfZ0dDX-Ut1ulpVoJydmd-qlHtNs2hR8D4tGRkhqMXKUh9teSCzSu1PFakQNDpnfBquV59PsmydG8P6yO4lRn8E860vtOJu6kdPlxFEK1FeqmXaF8miL53J0_/s162/image%20(1).png" style="font-family: Mangal, "serif"; margin-left: 1em; margin-right: 1em; text-align: center;"><img border="0" data-original-height="131" data-original-width="162" height="323" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEiD5tEs9VlzLi7r8lN8kE4wLamTJYpqOqyX17cxpdPR6dsqDtGvYbgLs04yukcniaVyfZ0dDX-Ut1ulpVoJydmd-qlHtNs2hR8D4tGRkhqMXKUh9teSCzSu1PFakQNDpnfBquV59PsmydG8P6yO4lRn8E860vtOJu6kdPlxFEK1FeqmXaF8miL53J0_/w400-h323/image%20(1).png" width="400" /></a></div><p class="MsoNormal" style="text-align: justify;"> <b style="font-family: Roboto-Regular; font-size: large; text-align: center; white-space: normal;"> </b><span style="font-family: "Times New Roman"; text-align: center; white-space: normal;"><b> AMFI Registered Mutual Fund Distributor </b></span></p><p class="MsoNormal" style="font-family: "Times New Roman"; line-height: 12.8pt; margin-bottom: 0.0001pt; text-align: center; white-space: normal;"><b><span lang="HI" style="font-family: Mangal, "serif"; font-size: 10pt;">6306522855</span><span style="font-family: "Times New Roman", "serif"; 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</pre><pre style="background: rgb(248, 249, 250); line-height: 29.9pt;"><span class="y2iqfc"><span lang="HI" style="color: #202124; mso-ascii-font-family: inherit; mso-hansi-font-family: inherit;"><pre style="background-attachment: initial; background-clip: initial; background-image: initial; background-origin: initial; background-position: initial; background-repeat: initial; background-size: initial; line-height: 29.9pt;"><span><span class="y2iqfc"><span lang="HI"><pre style="background-attachment: initial; background-clip: initial; background-image: initial; background-origin: initial; background-position: initial; background-repeat: initial; background-size: initial;"><span class="y2iqfc"><span lang="HI"><span><pre><br /></pre></span></span></span></pre></span></span></span></pre></span></span></pre>V6 ARTHGYAN LLPhttp://www.blogger.com/profile/18128509813979049058noreply@blogger.com0