Asset Allocation Kya Hota Hai? 2026 Me Portfolio Balance Kaise Kare
Agar aap SIP, mutual fund ya stock me invest kar rahe ho, to sirf invest karna enough nahi hai. Sabse important cheez hoti hai — Asset Allocation. Ye hi decide karta hai ki market crash me aapka paisa kitna safe rahega. Asset Allocation Kya Hota Hai? Asset allocation ka matlab hai: Aap apna total paisa different assets me divide karte ho: ✔ Equity (Stocks / Mutual Funds) ✔ Debt (FD / Bonds) ✔ Gold ✔ Cash 100% Equity Galti Kyu Ho Sakti Hai? Agar market crash hua to pura portfolio down ho sakta hai. Diversification risk kam karta hai. Age Based Asset Allocation Rule Simple rule: 100 – Age = Equity % Example: Age 25 → 75% Equity Age 40 → 60% Equity Baaki Debt + Gold me. Beginner Portfolio Example Agar ₹10,000 monthly invest kar rahe ho: ₹7000 → Equity (SIP) ₹2000 → Debt fund ₹1000 → Gold Investment Platforms Groww Upstox Rebalancing Kya Hota Hai? Har 6–12 mahine me portfolio check karo. Agar equity zyada badh gaya ho to thoda shift karo. Asset Allocation Ke Fayde ✔ Risk control ✔ Stable g...