Savings vs Investment: Alpo boyoshe taka jamano ba biniyog korar shera maddhom

Amra protidini porishrom kori taka uparjon korar jonno. Kintu sudhu taka uparjon korlei dhon-shompotti toiri hoy na, borong shei takake sothik bhabe kaje lagano-i holo ashol kaushol. Onekei “Savings” (Sanchay) ebong “Investment” (Biniyog)-er moddhe parthokyo bujhte paren na. Ajker ei blog-e amra janbo keno sudhu taka jamanoti jothesto noy ebong keno alpo boyosh thekei biniyog shuru kora uchi-t.

​Savings ba Sanchay ki?

​Savings holo apnar uparjoner shei ongsho jeta apni khoroch na kore bhobishyoter jonno nira-pode rekhe den. Sadharonoto amra bank-er savings account ba ekti matir ba-ksho-te taka jomai.

​Subidha: Taka shob shomoy apnar hater kache thake (Liquidity) ebong eti haranor kono bhoy thake na.

​Osubidha: Savings-e takar poriman khub ekta bare na. Ulto “Inflation” ba mudra-sfiti-r karone takar kroy-khomota (Buying power) kome jay.

​Investment ba Biniyog ki?

​Investment holo apnar jomano takake emon kothao kaje lagano jekhan theke apni bhabishyote aro beshi munafa ba return paben.

​Subidha: Eti apnar shompotti-ke (Wealth) bohu-gun bariye dite pare. “Compounding”-er jadu-te alpo takao dirgho-meyade bishal hoye othe.

​Osubidha: Ekhane kichuta risk ba jhooki thake, kintu sothik bhabe janle sheti niyontron kora sombhob.

​Savings vs Investment: Parthokyo ki?

• Bishoy Savings (Sanchay) Investment (Biniyog)
• Uddheshyo Shorpo-meyadi ba Emergency Dirgho-meyadi wealth creation
• Risk Ekdom e nei Kichuta risk thake
• Return Khub e kom (Interest) Onek beshi hote pare
• Inflation Control Pare na Mudra-sfiti-ke harate pare

Bishoy	Savings (Sanchay)	Investment (Biniyog)
Uddheshyo	Shorpo-meyadi ba Emergency	Dirgho-meyadi wealth creation
Risk	Ekdom e nei	Kichuta risk thake
Return	Khub e kom (Interest)	Onek beshi hote pare
Inflation Control	Pare na	Mudra-sfiti-ke harate pare

Alpo Boyoshe Biniyog Shuru Korar 3-ti Shera Maddhom

​Stock Market ba Share Bazaar

​Sothik bhabe shikhe bhalo kono company-r share kine rakhle dirgho-meyade bishal return pawa jay. Tobe ekhane biniyog-er agey oboshshoyee fundamental analysis shekha dorkar.

​Mutual Funds

​Apni jodi share market-er jhamela bujhte na paren, tahole Mutual Fund-e biniyog korte paren. Ekhane expert-ra apnar hoye taka manage kore. SIP (Systematic Investment Plan)-er maddhome proti mashe matro 500-1000 taka diyeo apni biniyog shuru korte paren.

​Gold ba Shon-a

​Shon-a shob shomoy-i ekti nira-pod biniyog maddhom. Dirgho-meyade shon-ar dam pray shob shomoy bare, tai eti “Safe Haven” hishebe kaj kore.

• ​Savings vs Investment: Konti Shuru Korben?
• ​Bastobota holo, apnar duto-i proyojon.
• ​Prothome 3 theke 6 masher chol-ti khoroch-er shoman ekti Emergency Fund toiri korun (Savings).
• ​Erpor jototuku bachti hobe, sheti Asset Class-e biniyog korun (Investment).

​Upshonghar

​Taka joman-o ekti bhalo obhyas, kintu dhoni hote hole apnake oboshshoyee biniyog korte hobe. “Time is Money” — tai joto druto apni biniyog shuru korben, Compounding-er upokarita toto beshi paben.