Pehli Salary: The Guide

Wealth Creation

Pehli Salary: The Guide
(Investment Edition)

Einstein ne ise 'Duniya ka 8th Wonder' kaha tha, aur aaj hum samjhenge kyun.

"Paisa ped par nahi ugta, lekin agar sahi jagah boya jaye (Invest), toh wo ped se bhi bada ban sakta hai." Photo Credit: Unsplash

Mujhe aaj bhi regret hota hai. Maine apni pehli SIP (Systematic Investment Plan) 28 ki umar mein shuru ki thi. Agar maine 22 ki umar mein shuru kiya hota, toh aaj mere paas doguna paisa hota. Doguna!

Hum aksar sochte hain—"Abhi toh jawaan hoon, paise udate hain, investment ke liye toh poori zindagi padi hai."

Lekin sach ye hai: Investment mein 'Paisa' important hai, par usse bhi zyada important 'Waqt' (Time) hai.

"Compounding woh baraf ka gola (snowball) hai jo pahaad se niche ludakne par bada hota jata hai. Jitna lamba rasta (Time) hoga, gola utna hi bada (Wealth) hoga."

FD vs. Mutual Funds: Fark Kya Hai?

Humare maa-baap FD (Fixed Deposit) ke deewane the. Kyun? Kyunki wo safe hai. Lekin aaj ki mehengayi (Inflation) 6-7% hai aur FD ka return bhi wahi 6-7% hai.

Matlab aapka paisa badh nahi raha, bas utna hi hai. Agar asli growth chahiye, toh thoda risk lena padega. Mutual Funds aapko long term mein 12-15% return de sakte hain, jo inflation ko beat karta hai.

SIP Shuru Karne Ke 4 Usul

Market girne se darna mat, ye game lambi race ka hai.

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Start Small, Start Now

Zaroori nahi ki hazaron rupaye lagao. 500 rupaye mahina bhi kaafi hai. Important ye hai ki aapne shuruat ki hai. Aadat banna zaroori hai.

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The Cost of Delay

Agar aap 25 ki umar mein shuru karte hain vs 30 ki umar mein, toh retirement par karodon ka fark pad sakta hai. Har saal ki deri aapko mehengi padegi.

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Don't Stop in Red

Jab market girega (aur wo girega), toh log darr kar paisa nikal lete hain. Wahi sabse badi galti hai. Jab market niche ho, tabhi toh sasta maal milta hai. SIP chalu rakho.

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Don't Put All Eggs in One Basket

Sirf ek jagah paisa mat lagao. Thoda Index Fund mein, thoda Gold mein, aur thoda Debt Fund mein. Ise 'Diversification' kehte hain, jo risk kam karta hai.

Kal Kare So Aaj Kar

Meri maano, toh apni pehli salary se hi ek 'Financial Prann' (Vow) le lo. Jaise hi salary credit ho, uska 20% future ke liye 'Gayab' kar do.

Aapka paisa aapka sabse wafadaar naukar hai. Agar aap ise aaj kaam par lagaoge, toh kal ye aapke liye kaam karega jab aap so rahe honge. Compounding ke jaadoo par bharosa rakho aur shuruat karo.