Medium Duration Funds apna paisa kaise badhate hain? 💼💰 Option: Sirf ek type ke bond pe focus karke, Alag-alag tarah ke debt instruments mein invest karke, Sirf money market instruments mein invest karke, Kisi ek industry mein hi invest karke

**Medium Duration Funds** apna jalwa dikhate hain **alag-alag tarah ke debt instruments mein paisa lagakar**. Ye strategy risk ko kam karne ka tarika hai: - Government bonds, corporate bonds, aur mortgage-backed securities jaise alag-alag types ke bonds mein invest karte hain - In sab ki maturity aur credit quality bhi alag-alag hoti hai - Isse kisi ek investment se hone wale nuksan ka asar poore fund par kam hota hai Yaad rakhiye, diversification hi wealth creation ka secret mantra hai! 🧘‍♂️💸

Low Duration Funds ke baare mein baat karte hain! 🗣️ - Ye funds **1 se 3 saal** ke liye best hote hain - Isme thoda sa risk hota hai, par utna bhi nahi jitna equity mein 📊 - Ye short-term aur medium-term financial goals ke liye perfect hain! Kuch important points: - Low duration matlab interest rates change hone ka kam risk - 1-3 saal mein aapko stable returns mil sakte hain - Isse aap apna capital preserve bhi kar sakte ho, aur thoda growth bhi ho sakta hai Toh agar aapke paas kuch paise hain jo aap 1-3 saal mein use karna chahte ho, toh Low Duration Funds pe ek nazar daal sakte ho! 👀💰

Medium Duration Funds ko 3 saal se zyada hold karne par aapko milta hai **capital gains par kam tax rate** ka laabh! Ye hai na mast baat? 🎉💸 **Kya hota hai ye benefit?** - 3 saal se kam: Normal income tax rate se tax lagta hai - 3 saal se zyada: Kam tax rate se capital gains tax lagta hai Ye aisa hai jaise government kehti hai, "Aap long-term investor ho? Lo, aapke liye special discount!" 😎 Is benefit ka fayda uthane ke liye, apne investments ko at least 3 saal tak hold karna na bhoolna! Patience ka phal meetha hota hai, aur yahan tax savings ke roop mein milta hai. 🍯🐝

Open-ended Low Duration Funds ek **flexible investment option** hai, bilkul rubber band ki tarah! 🤸‍♂️ Isme kya khaas hai? - **Kabhi bhi aao, kabhi bhi jao**: Fund mature hone tak aap jab chahe invest kar sakte hain, aur jab chahe apna paisa nikal sakte hain - **Liquidity ka mela**: Apne units ko kisi bhi time redeem kar sakte hain - **Short-term investment** ke liye perfect: Jaldi paisa chahiye? No problem! - **Kam risk**: Long-term funds se generally kam risky hote hain Toh agar aap apne paise ko thoda freedom dena chahte hain, toh ye funds aapke liye ho sakte hain! 😎💸

Liquid funds ki typical maturity period **91 din tak** hoti hai. Ye mutual funds ka ek aisa type hai jo short-term money market instruments mein invest karta hai. Chalo iske baare mein aur jaante hain: **Liquid funds ke baare mein zaroori baatein:** * Ye debt mutual funds ka ek type hai * Inme high liquidity aur low risk hota hai * Short-term investment goals ke liye perfect hain **91 din ki maturity period ka matlab kya hai?** * Fund manager 91 din ya usse kam ki maturity wale instruments mein invest karte hain * Isse fund relatively stable rehta hai * Interest rate fluctuations ka asar kam hota hai **Liquid funds ke fayde:** * Emergency fund ke liye ideal * Surplus cash ko park karne ke liye accha option * Short notice par paise withdraw kar sakte hain **Kab use karein liquid funds?** * Jab aapko paise ki liquidity chahiye ho * Jab aap temporarily extra cash ko invest karna chahte hon * Jab aap market volatility se bachna chahte hon Yaad rakhein, har investment option ke apne pros and cons hote hain. Liquid funds safe hain, par returns bhi kam hote hain. Apne financial goals ke hisaab se choose karein! 💼💰

Arre financial wizards! 🧙‍♂️💰 Banking aur PSU debt funds ko apne corpus ka minimum **80%** banking institutions aur public sector undertakings (PSUs) ke debt instruments mein lagana padta hai! Ye rule kyu hai? * Taki fund ka focus banking aur PSU sectors par rahe 🎯 * Investors ko in sectors ka targeted exposure mile 📊 Kuch aur interesting baatein: * Baaki 20% fund manager apne hisaab se invest kar sakta hai 🤓 * Ye funds generally low risk hote hain, kyuki government backing hoti hai 🛡️ Yaad rakhna: * Low risk ka matlab low returns bhi ho sakte hain 📉 * Har fund ka portfolio alag ho sakta hai, research zaruri hai! 🔍 Banking aur PSU debt funds ke fayde: * Relatively stable returns 📈 * Liquidity acchi hoti hai 💧 * Credit risk kam hota hai (par zero nahi!) ⚖️ **Pro tip:** Apne risk appetite aur investment goals ke hisaab se hi invest karo. Kisi bhi fund mein andhe hokar mat kudo! 🏊‍♂️💸