आमतोर पर हर निवेशक को निवेश करते समय मन में एक सवाल हमेशा रहता है कि, क्या बाजार ऊपर जाने के समय मुनाफावसूली करे और जब बाजार नीचे जाए तो बाजार में दोबारा निवेश करे ? लेकिन उलझन यह भी है कि किस समय और कैसे करे ? हांलांकि मन में यह भी हर उछाल पर मुनाफावसूली करके पैसा बाहर निकालने से बेहतर है कि लंबे समय के लिए निवेश बनाए रखा जाए तो क्या उचित नही होगा ?

               बाजार के उतार-चढाव के समय मुनाफा वसूली की बात करना जितनी आसान है परन्तु करना उतनी ही कठिन होती है | 2017 के आखिर और पिछले माह जुलाई-अगस्त में लगातार तेजी बनी रही जबकि बाजार के जानकार और निवेशक हमेशा मंदी की आशंका लगाते रहे | परिणाम स्वरूप निवेशको ने घबराकर कर बिकवाली करली जबकि बाजार में तेजी बनी रही |

               कई निवेशको ने चढ़ते बाजार में यह सोचकर पैसा लगाना शुरू कर दिया कि चढ़ते बाजार में जल्दी ही मुनाफावसूली करके शानदार रिटर्न कमा लेंगे लेकिन इसी वर्ष  जनवरी और हाल ही की शुरू जोरदार गिरावट आजाने से कई निवेशको को भारी घाटा उठाना पड़ा और उनकी पूंजी डूब गई। बाजार में सही समय का अंदाजा लगाना सबसे मुश्किल काम है। अक्सर निवेशको की आम धारणा होती है कि मार्किट तो बढ़ रहा होता है पर उसके पोर्टफोलियो वाले शेयर नही बढ़ते है और मार्किट गिरने पर उसके शेयर ज्यादा गिरते है |

           इन सभी के आधार पर यही कहा जा सकता है की निवेशको को मोका परस्त होना चाहिए साथ ही अपने निवेश पर लम्बी अवधि का नजरिया रखना चाहिए |

– बार-बार शेयर खरीदने-बेचने के लिए दलाली एवं अन्य टेक्स भी चुकाने पड़ते है जिससे  लाभ प्रभावित होता है।

– अनुभवी निवेशको के अनुभवो की माने तो लम्बी अवधि का नजरिया रखते हुये किये गये  निवेश में ही अच्छा लाभ कमाया जा सकता है | निवेश हमेशा किसी लक्ष्य के साथ होना चाहिए। निवेशक छोटी अवधि का फैसला लेकर लक्ष्य को बिगाड़ देते हैं |

– निवेशको का अपनी जुआ खेलने या दांव लगाने की आदत को शेयर या म्यूचुअल फंड निवेश के साथ आजमाना अत्यंत दुर्भाग्यपूर्ण है,क्योंकि जब इसके कारण शेयर बाजार में घाटा होता है तो किस्मत को दोष देते हैं।

–  साधारणतया जमीन-जायदाद या सोने-चांदी में निवेश करने वाले निवेशक दांव लगाने की आदत नहीं अपनाते हुये लम्बी अवधि के निवेश करने की सोच रखते हैं। भरोसा होता है कि लंबे समय में ये शानदार रिटर्न दे सकते हैं। लेकिन शेयर इक्विटी, एमएफ में नुकसान इसलिए उठाते हैं क्योंकि इनमें निवेश के लिए कुछ दिनों से लेकर कुछ महीनों तक का ही इंतजार करने को तैयार होते हैं,जबकि मुनाफा लम्बी अवधि के निवेशकों को ही मिलता है |

          मजबूत आधार और सदाबहार कम्पनियों में लम्बी अवधि का नजरिया रखते हुये निवेश करें और आपको शानदार रिटर्न जरूर मिलेगा । पिछले 30-35 सालों का औसत हिसाब लगाएं तो शेयर बाजार ने सालाना करीब 20- 30 फीसदी का रिटर्न दिया है।

 

24 Thoughts to “क्या बाजार ऊपर जाने के समय मुनाफावसूली करे और जब बाजार नीचे जाए तो बाजार में दोबारा निवेश करे ?”

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