"Complete guide for portfolio diversification"

 


Apna Portfolio Kaise Diversify Kare: Ek Guide


Agar aap apna paisa invest karte hain, to sirf ek hi jagah paisa lagana risk ho sakta hai. Isliye experts hamesha kehte hain ki apna portfolio diversify karna chahiye. Aayiye samajhte hain ki ye kya hota hai aur kaise aap apna paisa safely grow kar sakte hain.

Portfolio Diversify Karna Kya Hota Hai?

Portfolio diversify karna matlab apne paiso ko alag-alag jagah invest karna, taaki agar ek investment down bhi ho jaye to dusri investment se aapka loss cover ho sake. Ye bilkul waise hi hai jaise ek tokri me sirf ek ande rakhne ki jagah kai ande rakhna. Agar ek anda toot bhi jaye to baaki bache rahenge.

Gold price prediction

Investment Options Ke Examples

  1. Equity (Shares): Agar aap kisi company ke shares kharidte hain, to aap us company ke malik ban jate hain. Jaise HDFC Bank, TCS ya Reliance ke shares.
  2. Gold: Gold ek safe investment mana jata hai. Jab market me uncertainty hoti hai to log gold me paisa lagana pasand karte hain.
  3. Bonds: Government ya private companies ke bonds aapko fixed interest rate dete hain.
  4. Real Estate: Property kharidna bhi ek acchi investment ho sakti hai.
  5. Mutual Funds: Yeh ek aisa fund hota hai jisme professionals aapka paisa alag-alag sectors me lagate hain.

Equity Aur Gold Ka Relation

Equity aur gold ka relation inversely proportional hota hai. Matlab, jab stock market girta hai to gold ka price badhne lagta hai.

Covid-19 Crash Ka Example:

  • Covid-19 Crash (2020): Jab Covid-19 pandemic start hua, to March 2020 me stock market crash ho gaya. BSE Sensex lagbhag 38% tak gir gaya.
  • Gold Price Surge: Usi samay logon ne gold ko safe asset mana aur gold ke prices lagbhag 25% tak badh gaye. March 2020 me gold ka price ₹40,000 per 10 gram tha, jo August 2020 tak ₹56,000 per 10 gram tak pahuch gaya.

Agar Future Me Equity Market Crash Hota Hai Toh Kya Hoga?

  • Jab market me uncertainty hoti hai, to log apna paisa equity se nikal kar gold me shift karte hain.
  • Agar 2025 me kisi wajah se stock market crash hota hai, to gold ke prices fir se badh sakte hain.
  • Diversification isliye zaroori hai taaki aapka portfolio secure rahe.

Portfolio Diversify Karne Ka Perfect Formula

Agar aap apna portfolio balance karna chahte hain to aap 70-30 Rule follow kar sakte hain:

  • 70% Equity: Agar aap young hain aur risk le sakte hain to 70% paisa equity me lagaiye.
  • 30% Gold ya Safe Assets: Baaki 30% paisa gold, bonds ya FD jaise safe investments me lagaiye.

Example:

Agar aapke paas 1 lakh rupaye hain, to:

  • 70,000 rupaye aap Equity me laga sakte hain.
  • 30,000 rupaye Gold aur Bonds me laga sakte hain.

FAQs (Questions and Answers)

Q1: Portfolio diversify karna kyun zaroori hai?

  • Jab aap apna portfolio diversify karte hain, to aapka risk kam ho jata hai. Agar ek asset perform nahi karta, to dusra asset aapka loss cover kar leta hai.

Q2: Covid-19 ke time par kisne zyada benefit liya?

  • Jinhone gold me investment kiya tha unhone Covid-19 ke time par achha profit kamaya. Equity market gir gaya tha par gold ke prices badh gaye the.

Q3: Agar aaj market crash hota hai to mujhe kya karna chahiye?

  • Panic mat kariye. Agar aapka portfolio diversify hai to gold aur bonds aapko support karenge. Market stabilize hone tak hold karna best option hota hai.

Q4: Gold aur Equity dono me kitna invest karna chahiye?

  • Young investors zyada equity aur kam gold le sakte hain (70:30 ratio). Senior investors ya low-risk investors ke liye 50:50 ya 60:40 ratio sahi rahega.

Q5: Gold me investment kaise karein?

  • Aap physical gold, gold ETFs, sovereign gold bonds ya gold mutual funds ke through invest kar sakte hain.

Conclusion

Apna portfolio diversify karna ek smart decision hota hai. Isse aap apne investments ko market ke risk se bacha sakte hain. Hamesha yaad rakhiye ki equity aur gold ka relation generally opposite hota hai. Isliye dono me sahi balance banana zaroori hai.

Agar aapko abhi bhi confusion hai ya investment start karna chahte hain, to financial advisor se consult karna best option hoga.

For more information, visit Goldshub.com

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