Mutual Fund Me Risk Kya Hota Hai Aur Kaise Kam Karein (2025 Guide)

Mutual Fund Me Risk Kya Hota Hai Aur Kaise Kam Karein?

Mutual Fund ek popular investment option hai lekin isme risk bhi hota hai. Har mutual fund ki performance market ke upar depend karti hai. Is article me hum dekhenge ki mutual funds me kaunse types ke risk hote hain aur unhe kaise manage kiya ja sakta hai.

Mutual Fund Ke Types of Risk

• Market Risk: Agar stock market girta hai to fund ke NAV par asar padta hai.
• Credit Risk: Debt funds me agar company apna loan wapas na kare to risk hota hai.
• Liquidity Risk: Kabhi-kabhi aap fund ko turant bech nahi paate.
• Inflation Risk: Agar inflation zyada ho jaye to returns kam lagte hain.
• Interest Rate Risk: Debt funds par interest rate badhne se negative impact ho sakta hai.

Risk Ko Kaise Kam Karein?

• Diversification: Alag-alag categories ke mutual funds me invest karein.
• SIP Investment: Regular chhoti investment se market volatility ka effect kam hota hai.
• Long Term Holding: Zyada samay tak invested rehne se risk average ho jata hai.
• Fund Selection: Aapki risk profile ke hisaab se fund choose karein (Low, Moderate ya High Risk).
• Professional Advice: Agar aap beginner hain to financial advisor ki help lein.

Conclusion

Mutual Fund me risk hamesha hota hai lekin smart investment strategy se ise control kiya ja sakta hai. SIP, diversification aur long-term investment aapke risk ko kam karne ke best tareeke hain.