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What is Balance Fund In Mutual Fund?

What is Balance Fund In Mutual Fund, Why to invest in balance fund, Do you have fear of Mutual funds?, बैलेंस फण्ड क्या होता है, किनके लिए अच्छा है, फिक्स्ड डिपाजिट और बैलेंस फण्ड में अंतर जानिये.
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What is Balance Fund In Mutual Fund?
Every investor want to enhance his or her investment by investing safely and securely and so many investors don’t invest in equities directly, because there is higher risk. 
As a solution some investors choose DEBT fund to get stable return. But there is another good fund which is good for investors and i.e. BALANCE FUND. 

What is a balanced fund?
  1. It is a hybrid mutual fund in which there is a combination of equity and debt fund. So there is a very low risk for investors but return increases.
  2. In balance fund companies invest 65% or more in equity and 35% or less in Debt fund. 
  3. This fund is good for long term returns. 
  4. This fund give high return and also maintain safety of investors money. 
  5. More than 1 year of investment taken as long term capital gain and thus investors get tax free amount at the time of maturity.
  6. Balance fund is less volatile because 35% or less portion of investment is done in debt securities. 
  7. In growing market this fund give very good return. 
  8. By using balance fund investor can diversify his or her money between debt and equity through single investment.
  9. Balance Fund is good for First time investors.

Fixed Deposit Versus Balanced Fund:

  • In FD we can get 6 to 8 % return but in Balance Fund investors can get 12 To 14 % return as per market trend. 
  • Capital appreciation is not possible in Fixed Deposit but in balance fund investor get the benefit of capital appreciation.
  • In Fixed deposit TDS is cut but in Balance fund, investor can get tax free amount for more than 1 year of investment.

Do keep in mind that Mutual funds are subject to market risk.  

आइये जानते हैं हिंदी में बैलेंस फण्ड के बारे में:
बैलेंस फण्ड क्या होता है, किनके लिए अच्छा है, फिक्स्ड डिपाजिट और बैलेंस फण्ड में अंतर जानिये.

हर निवेशक अपने निवेश को सुरक्षित तरीके से बढ़ाना चाहता है इसीलिए बहुत से निवेशक सीधे इक्विटी में निवेश नहीं करते हैं क्यूंकि उसमे खतरा ज्यादा रहता है. कुछ निवेशक इसी के लिए डेब्ट फण्ड में पैसा डालते हैं. 
परन्तु एक और अच्छा फण्ड है जिसकी जानकारी Indian bazaars में आपको दे रहे हैं. इस फण्ड को balance fund कहा जाता है. 
क्या होता है बैलेंस फण्ड?
  1. ये एक हाइब्रिड फण्ड है जिसमे की इक्विटी और डेब्ट दोनों में निवशक के धन का निवेश किया जाता है. इसके कारण इसमें जोखिम कम हो जाता है. 
  2. बैलेंस फण्ड  में ६५% निवेश इक्विटी में किया जाता है और ३५% या कम डेब्ट फण्ड में निवेश किया जाता है. 
  3. लम्बे समय तक निवेश करने के लिए ये फण्ड काफी उपयुक्त.
  4. बैलेंस फण्ड  ज्यादा लाभ भी देता है और ज्यादा सुरक्षित भी है.
  5. १ साल से ज्यादा तक निवेश करने पर टैक्स फ्री धन निवेशक को मिलता है. 
  6. बैलेंस फण्ड  थोडा कम अस्थिर है अन्य फंड्स के तुलना में क्यूंकि इसमें निवेश डेब्ट फण्ड में भी होता है. 
  7. बढ़ते हुए बाजार में निवेशको को बहुत अच्छा लाभ प्राप्त होता है इस फण्ड में. 
  8. बैलेंस फण्ड  में निवेश करके निवेशक अपना निवेश इक्विटी और डेब्ट दोनों में कर पाते हैं एक साथ. 
  9. जो पहली बार निवेश कर रहे हैं उनके लिए बैलेंस फण्ड बहुत अच्छा है. 

आइये जानते हैं फिक्स्ड डिपाजिट और बैलेंस फण्ड में अंतर:
  • एफ.डी. में  ६ से ८% का लाभ मिलता है जबकि प्राप्त जानकारी के अनुसार बैलेंस फण्ड में १२ से १४% का लाभ मिलता है बाजार में मौजूद ट्रेंड के हिसाब से.
  • पूंजी में मूल्य वृद्धि का लाभ एफ.डी. में निवेशको को नहीं मिलता है जबकि बैलेंस फण्ड में पूजी में मूल्य वृद्धि का लाभ आसानी से मिल जाता है. 
  • एफ.डी. में टी.डी.एस. कटौती होती है परन्तु बैलेंस फण्ड में अगर कोई १ साल से ज्यादा का निवेश करे तो टैक्स फ्री धन वापस मिलता है. 

significance of balance mutual fund, best about stable growth income fund
what is balance fund

फिर भी ये ध्यान रखे की म्यूच्यूअल फण्ड में निवेश जोखिमो के अधीन है

What is Balance Fund In Mutual Fund, Why to invest in balance fund, Do you have fear of Mutual funds?, बैलेंस फण्ड क्या होता है, किनके लिए अच्छा है, फिक्स्ड डिपाजिट और बैलेंस फण्ड में अंतर जानिये.


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