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Common Investor Mistakes · Shuruaati · 4 min read

7 Aam Mutual Fund Galtiyan Jinse Bachein

Chhota jawab

Sabse mehngi mutual fund galtiyan behavioral hain, analytical nahi: jo bhi haal mein return table mein upar raha use khareed lena, paise ko kisi goal aur time-frame se jode bina invest karna, SIP ko nuksan se suraksha maan lena, kai milte-julte schemes rakhna, har giravat mein lambi avadhi ke investments rok dena, short performance periods par switch karna, aur costs, exit loads aur taxes ignore karna. Har ek faisle ke waqt sahi lagti hai, aur yahi wajah hai ki ek likhit plan aur ek tay review interval kisi bhi additional analysis se zyada fayda karte hain.

Amit Chadha · Mutual Fund Distributor · AMFI ARN: 349461 · Aakhri review

Koi bhi yeh galtiyan laaparwahi ki wajah se nahi karta. Wo inhein isliye karte hain kyunki faisle ke waqt har ek samajhdaar, zimmedaar kaam jaisa lagta hai.

Yahi wajah hai ki inhein pehle se naam dena kaam ka hai — pattern ko pehchaanna hi iske khilaaf sabse bada bachaav hai.

Galtiyan Pehli Nazar Mein Aksar Sahi Lagti Hain

Zyadatar bure nateeje kisi ek saaf galat faisle se nahi, balki doharaaye jaane wale vyavahaar se aate hain. Ek mazboot saal ke baad khareeda gaya fund, kisi daraavne mahine mein roki gayi SIP, do kamzor quarters ke baad kiya gaya switch — inmein se koi bhi, karte waqt galti jaisa nahi lagta.

Ek saadi likhit plan discipline banati hai jab markets romanchak ya daraavne ho jaate hain, kyunki yeh tab likhi gayi thi jab aap na to romanchit the na dare hue.

Dekhne Laayak Saat Aadatein

In patterns ke liye apne hi faislon ki review karein:

  • Kisi fund ko sirf isliye choose karna kyunki wo haal mein return table mein sabse upar tha — yaani performance ke baad khareedna, pehle nahi.
  • Paise ko kisi goal aur time-frame se jode bina invest karna, taaki use parakhne ka koi standard hi na ho.
  • SIP ko sabhi nuksanon se suraksha maan lena, jabki yeh sirf khareed keemat failaati hai, aur kuch nahi.
  • Diversification ke naam par kai milte-julte schemes rakhna, jabki wo ek jaisi securities rakhte hain.
  • Har market giravat mein lambi avadhi ke investments rok dena — sabse zyada units khareedne wali installments hata dena.
  • Short performance periods ke aadhar par baar-baar switch karna, har baar exit load aur tax paida karna.
  • Expenses, exit loads, taxes aur liquidity ki zarooratein ignore karna, jo chupchaap tay karte hain ki aapke paas kya bachta hai.

Sabse Mehngi Aam Taur Par Paanchwin Hai

Fund selection ek category mein uchit schemes ke beech ek-do percentage points ka fark paida karta hai. Giravat ke dauran lambi avadhi ki plan chhodna aur recovery ke baad lautna bilkul alag level ka fark paida karta hai.

Yahi wo faasla hai jo kisi fund ne diya aur uske investors ne asal mein kya paaya, inke beech hai — aur yeh faislon se banta hai, market se nahi.

Ek Review Process Istemaal Karein

Uchit intervals par review karein aur is par dhyaan dein ki kya goal, asset allocation ya scheme ke fundamentals badle. Sirf rozana market ki halchal mein shayad hi itni information hoti hai ki wo kisi lambi avadhi ke faisle ko sahi thehraaye.

Interval pehle se tay karna sabse mushkil sawaal bhi hata deta hai — ki kya aaj ki khabar waqai kuch karne laayak hai.

Jaanein Kab Madad Maangni Hai

Jab aapki zarooraton mein kai goals, taxation, anियमित nakdi pravaah ya aise risks shaamil hon jinhein aap poori tarah nahi samajhte, to qualified professional help par vichaar karein.

Poochein ki koi bhi professional kaise registered hai aur use kaise payment milta hai, aur sahi professional se sahi sawaal milaein: tax ka sawaal tax professional ke paas jaana chahiye, aur distributor ki bhoomika tax practice ke bajaay distribution aur service hai.

Mukhya baatein

  • Yeh galtiyan behavioral hain, aur har ek us waqt samajhdaar lagti hai.
  • Return table ke upar wala khareedna performance ke baad khareedna hai.
  • SIP khareed keemat failaati hai — yeh nuksan se suraksha nahi deti.
  • Milte-julte schemes kaagazi kaam badhate hain, diversification nahi.
  • Giravat mein investment rokna aam taur par saaton mein sabse mehngi aadat hai.
  • Ek tay review interval sabse mushkil sawaal hata deta hai: kya aaj ki baat kuch karne laayak hai.

Apne numbers par aazmaiye

Aksar pooche jaane wale sawaal

Sources aur editorial review

Aage kya padhein

Maujooda Mutual Fund Portfolio Ki Review Kaise KareinEk structured review jo shuru hoti hai aapke paas kya hai aur kyun hai se, allocation drift, overlap, cost aur aapka asli XIRR check karti hai — aur aise fund mein fark karti hai jo underperform kar raha hai aur jo sirf out of favour hai.SIP Banaam Lumpsum: Kis Tareeke Par Vichaar Karna Chahiye?Regular aur one-time investing ki tulna, bina kisi ko universally behtar maane — har ek kis par depend karta hai, aur yeh sawaal asal mein market se zyada cash flow ka kab hota hai.Mutual Fund Mein Risk Kya Hai?Mutual fund jo khaas tarah ke risk rakhta hai — market, credit, interest-rate, liquidity, concentration aur sequence — aur volatility, permanent loss, risk tolerance aur risk capacity ke beech ka fark.

Sirf educational content. Investment advice nahi.

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