Key Takeaways
✓Returns dekh ke fund mat choose karo
✓Market crash mein SIP mat rokna
✓Bahut saare funds mat rakho
✓Insurance aur investment mix mat karo
Mistake 1: Last year ka return dekh ke invest karna
Sabse common galti — jo fund last year 40% diya usme invest karna. Mutual fund returns cyclical hote hain. Jo fund abhi top perform kar raha hai, woh next year underperform kar sakta hai. Hamesha 5-10 saal ka track record dekho, sirf 1 saal ka nahi.
Mistake 2: Market crash mein SIP rok dena
2020 COVID crash mein bahut logon ne SIP band ki. Yeh biggest blunder tha. Market crash mein SIP karne se zyada units milte hain — yeh Rupee Cost Averaging ka fayda hai. Jinlogon ne SIP continue ki, unka portfolio 2021-22 mein bahut zyada grow hua.
Mistake 3: Bahut saare funds mein invest karna
10-15 funds mein invest karne se diversification nahi hota — confusion hota hai. 3-4 good funds enough hain. Ek Large Cap, ek Mid Cap, ek Hybrid, aur ek ELSS. Zyada funds = overlapping portfolios = no extra benefit.
Mistake 4: Insurance + Investment mix karna
LIC, Endowment plans, ULIPs — yeh insurance aur investment ka mix hain aur dono kaam achha nahi karte. Term insurance alag lo (pure protection, cheap), aur investment ke liye mutual funds alag rakho. Sirf term insurance + mutual fund = best combination.
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