क्या है एसआईपी { Systematic Investment Plan }


एसआईपी म्यूचुअल फंड में व्यवस्थित रूप से निवेश करने का एक तरीका है | वर्तमान में हर निवेशक शेयर बाजार से लाभ कमाना चाहता है,परन्तु सभी निवेशको को शेयर बाजार की जानकारी नही होती है | जानकारी के अभाव में ऐसे निवेशको को लाभ के बजाय हानि भी हो सकती है, इसलिए आम निवेशक ज्यादा जोखिम नही लेना चाहते है | अत: जो निवेशक शेयर बाजार की समझ नहीं रखते, उनके लिए म्यूचुअल फंड में एसआईपी से निवेश एक शानदार तरीका है।

म्यूचुअल फंड में निवेश दो तरीके से किया जा सकता हैं – पहला एकमुश्त रकम अपनी पसंद के म्यूचुअल फंड में लगा कर और दूसरा एक निश्चित आवधिक अनुसार जैसे – रोजाना/हर महीने/तिमाही/छमाही आधार पर बराबर किस्तों में अपने मन पसंद म्यूच्यूअल फण्ड निवेश करके | सरल शब्दों में कहें तो यह बैंक Recurring Deposit Scheme की भांति होती है। SIP में नियमित रूप से एक निश्चित राशि निवेश करते हैं जिससे लॉन्ग टर्म मे निवेशक की Risk कम हो जाती हैं तथा लाभ की सम्भावना भी बढ़ जाती है |

SIP निवेश के फायदे –

  • SIP नियमित रूप से निवेश के सिद्धांत पर काम करता है। साथ ही बैंक आवर्ती जमा की तरह निवेश छोटी राशि से भी शुरू किया जा सकता है।
  • SIP के माध्यम से बचत करना एक आसन तरीका है | इसमें निवेश करने पर निवेशक के बैंक खाते के माध्यम से पूर्व निर्धारित आवधिक आधार पर राशि को निकाल कर SIP में जमा कर दी जाती है |
  • वर्तमान में SIP लोकप्रिय होकर आम आदमी की पहुंच के भीतर का म्यूचुअल फंड निवेश होता जा रहा है क्योंकि निवेशक अपनी अन्य वित्तीय जिम्मेदारियों को प्रभावित किये बगेर म्यूचुअल फंड में सरलता से निवेश कर सकते हैं।
  • SIP में मिलने वाले RETURN को पुनः निवेश कर दिए जाने से निवेश पर लाभ बढ़ जाते है |
  • SIP में कोई लॉक-इन-पिरीयड नही होता है, अत: निवेशक जरूरत होने या निवेश का लक्ष्य प्राप्त होने पर निकाल सकता है |
  • SIP में निवेश का सबसे बड़ा फायदा यह है की निवेशक बाजार में आने वाले उतार-चढ़ाव की जोखिम से मुक्त हो जाता है |
  • SIP में निवेश करने,जमा या निकालने पर कोई टैक्स या शुल्क नही है।
  • बाजार में मंदी होने पर मुचुअल fund के ज्यादा यूनिट एवं तेजी होने पर कम यूनिट मिलने से निवेश की कीमत ओसत होती जाती है | इस तरह SIP में निवेश से बाजार के उतार-चढ़ाव का प्रभाव नही पड़ता है तथा लम्बी अवधि का निवेश ज्यादा लाभदायक होता है |
  • SIP का असली फायदा बाजार के निचले स्तर पर होने के समय निवेश करने से मिलता है।इसलिए बाजार की मंदी के समय SIP में निवेश जारी रखना चाहिए और बन्द करने की गलती नही करनी चाहिए |



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