SIP vs Lumpsum: Beginners ke liye Stock Market Basics

Equity me naye ho? Do common raaste:

SIP (Systematic Investment Plan)

Har mahine ek fixed amount invest karte ho. Entry highs aur lows me bat jaati hai — rupee-cost averaging — to ek bura din aapko dubaata nahi. Monthly income se invest karne ke liye best.

Lumpsum

Ek saath bada amount daalte ho. Market upar gaya to zyada faayda — par turant gira to poora downside bhi. Jo paisa already hai aur long horizon ho to theek.

Asli baat

• Time in market > timing the market. Saalon tak invested rehna, top-bottom guess karne se behtar.
• Volatility normal hai. Price ghoomna hi long-term returns ki keemat hai.
• Diversify karo. Index/diversified funds risk ko behtar baantte hain.

Equity me risk hai, guaranteed return nahi. Sirf wo paisa lagao jo jaldi nahi chahiye, aur plan ke liye SEBI-registered advisor se salah lo.