Yeh kaise hota hai, kadam dar kadam
Shuruaat
Us portfolio mein 1 naam ₹60,000 ka hai. Baaki 4 mein har naam ₹10,000 ka hai. 5 naam hain, par sabse bada 60% paisa hai. Doosre portfolio mein 5 naam har 1 ₹20,000 ke ho sakte hain. Par sab wahi industry cycle par tike hon to 5 naam ke peeche 1 risk hai.
Aage kya hota hai
Sirf sabse badi holding 20% gire aur baaki 4 wahi rahein. Portfolio ₹12,000 khota hai, ya 12%. Isliye sirf holdings ginne se kul ko chalaane waala risk chhup sakta hai.
Iska matlab — aur kya nahi
Weight portfolio ki abhi ki baat hai. Concentration aam taur par nuksaan karta hai ya nahi, yeh base-rate sawaal hai. Base rate usi group aur samay mein nateeja kitni baar hota hai. Yeh page uska jawaab nahi deta. Hisaab dikhata hai ki naam aur risk ke aadhaar alag hain. Funds ke andar wahi shares dohra sakte hain. Salary ya business income bhi investments jaisi sthiti par tik sakti hai. Diversification bazaar ka risk nahi mitaata. Aam taur par alag chalti holdings saath chalne lag sakti hain. Bada jhatka kai holdings ko saath maar sakta hai. Doosre hisse mein ratio zaroori hai, kyunki subtraction ka chhota raasta bhatakta hai. 1.05 ÷ 1.06 − 1 lagbhag −0.94% hai. Zyada rupees se pehle se thoda kam khareed sakte hain.
- Kharid-shakti ki badhat, saal ka %
- Badhat basket ki mehngai ke barabar · 0
Maana inflation 6% fixed hai. Uske saamne nominal return aur khareedne ki taakat ka return. Line (1 + nominal) ÷ (1 + inflation) − 1 hai. Site ke calculators bhi yahi ratio lete hain. 8% growth lagbhag 1.89% chhodti hai. 5% growth lagbhag −0.94%. Nominal rates milaate samay inflation ki maani dar 6% hi rakhein.
Chart ka data dekhein
| Rakam ki badhat, saal ka % | Kharid-shakti ki badhat, saal ka % |
|---|---|
| 3 | -2.83 |
| 4 | -1.89 |
| 5 | -0.94 |
| 6 | 0 |
| 7 | 0.94 |
| 8 | 1.89 |
| 9 | 2.83 |
| 10 | 3.77 |
| 11 | 4.72 |
| 12 | 5.66 |
Isse kya establish nahi hota
Tulna ke numbers ek aadhaar par na hon to reading lagu nahi hoti. Yahan inflation reader ki maani dar hai. Kisi ke kharch published index se kaafi alag badh sakte hain. Isliye nikla return us shart ka hisaab hai. Kisi ki cost of living ka maap nahi. Samay bhi milna chahiye. 5 saal ki growth ko 1 mahine ke inflation se milaana, dono se bina sahaare ka daawa deta hai. Concentration sirf abhi ke weights par hai. Prices se weights badalte hain. Charges aur tax se pehle ka return kharch kar sakne waali rakam nahi. Alag hisaab ke liye /tools/cagr-calculator growth nikaalta hai aur /tools/capital-gains-calculator tax. Yahan current ya expected inflation ka daawa nahi. Poore page ka 6% aasaan hisaab ke liye chuna number hai.
Kya check karein
7Sabse badi holding kul portfolio ka kitna percentage hai? Sirf kai naamo mein 1 nahi.
Kya holdings alag wajah par tikti hain ya wahi wajah alag naam mein hai?
Kya inflation ki maani dar aur milaaya return wahi samay cover karte hain?
Kya khareedne ki taakat ka return (1 + nominal) ÷ (1 + inflation) − 1 se nikla? Sirf ghataaya to nahi?
Kya padhe nateeje se charges aur tax abhi nikalne hain?
Kya jaldi chahiye paisa aur kai saal badhne waala paisa alag rakhe hain?
Is tulna mein maani inflation dar 6% rakhein. Har holding ka kul mein hissa jaanchein.
Aam galtiyan
5Return se inflation ghataakar 8% − 6% = 2% kehna. Ratio 1.89% deta hai. Dono rates badhne par antar badhta hai.
Weights ke bajaay naam ginna. 60% ek holding waala portfolio 5 holdings hone se diversified keh diya jaata hai.
Kai saal ki growth ko 1 mahine ke inflation se milaana.
Doosra hisaab kiye bina positive nominal return ko khareedne ki taakat ka faayda maanna.
Diversification ko 1 risk ke bajaay poore bazaar ki girawat se suraksha maanna.
Portfolio 1 saal mein 8% badha. Reader ki maani inflation dar 6% hai. Khareedne ki taakat ka return kya hai?
- 2%, dono rates ka antar.
- Lagbhag 1.89%, kyunki hisaab (1 + 0.08) ÷ (1 + 0.06) − 1 hai. Sirf subtraction nahi.
- Negative nahi ho sakta, kyunki growth positive thi.
Answer dikhao
B. Lagbhag 1.89%, kyunki hisaab (1 + 0.08) ÷ (1 + 0.06) − 1 hai. Sirf subtraction nahi.
Seedha subtraction aasaan lagta hai. Chhote rates par kareeb aata hai aur sahi mehsoos hota hai. Isi liye galti rehti hai. Sahi hisaab ratio hai. Dono rates badhein to antar badhta hai. Teesra jawaab bhi isi hisaab par fail hai. 6% inflation ke saamne 5% growth lagbhag −0.94% hai. Balance bada hai, par thoda kam khareedta hai.
Aksar poochhe sawaal
3Kya 10 holdings apne aap achha diversification hain?
Nahi. Weights aur peeche ke risk tay karte hain. Wahi industry cycle ke saath chalne waale 10 naam, 10 alag risks se zyada 1 trade jaise hain.
Kya positive return mein bhi khareedne ki taakat ghat sakti hai?
Haan. Growth 5% aur maani inflation 6% ho to ratio lagbhag −0.94% deta hai. Balance bada hai, par usi basket ka thoda kam khareedta hai.
Kya diversification bazaar ka risk mitaata hai?
Nahi. Yeh alag aadhaaron mein risk phailaata hai. Aam taur par alag chalti holdings saath chal sakti hain. Bada jhatka kai ko saath badal sakta hai, chahe ginti kitni bhi ho.