Dividend Stocks vs Growth Stocks – Beginner Investors ke liye Right Choice kya hai?
Agar aap naye investor ho aur stock market me apna pehla kadam rakh rahe ho, toh ek bahut common confusion hota hai — “Dividend stocks kharidein ya growth stocks?” Dono hi options ache hain, lekin har ek ka apna alag style aur purpose hota hai. Chaliye isko ekdum simple bhaasha me samajhte hain.
Dividend Stocks – Thoda Safe, Thoda Sukun Wale
Dividend stocks wo hote hain jo aapko regular income dete hain. Jaise koi company har saal ya har quarter me apne profit ka ek hissa aapko cash ke form me deti hai. Ye hissa hi "dividend" kehlata hai. Ye usually badi, established companies hoti hain jo bahut time se market me hain.
Inke fayde kya hain?
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Aapko har kuch time baad paisa milta rahta hai, chahe share price zyada bade ya na bade.
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Aisi companies zyada stable hoti hain, toh risk thoda kam hota hai.
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Retired log ya wo log jinko regular income chahiye, unke liye perfect.
Lekin dikkat kya hai?
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Ye companies zyada fast grow nahi karti. Toh agar aapko capital bada karna hai, toh dividend stocks se thoda patience chahiye.
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Dividend pe tax lagta hai, toh jo paisa milta hai usme se thoda part government le jaati hai.
Growth Stocks – Risk Thoda Zyada, Return Bhi Zyada
Ab growth stocks ki baat karein, toh ye waise companies hoti hain jo paisa kamaakar usse business me wapas laga deti hain. Dividend nahi deti, lekin aapke share ka price time ke saath kaafi badh sakta hai.
Inme maza kya hai?
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Agar company ne acha perform kiya, toh aapka paisa multiply ho sakta hai.
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Long-term me capital appreciation kaafi achha ho sakta hai.
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Jab tak aap shares bechte nahi, tab tak aapko tax nahi dena padta.
Aur risk?
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Aisi companies young hoti hain, toh utar-chadhav zyada hota hai.
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Company agar perform na kare, toh nuksaan bhi ho sakta hai.
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Regular income nahi milti, toh patience aur vision dono chahiye.
Toh Beginner ke liye kya sahi hai?
Aap beginner ho, toh sabse pehle zaroori hai ki aap market ko samjho, panic na karo aur apne risk ko control karo. Isliye sirf dividend ya sirf growth me jaane se behtar hai ek balanced approach rakhna.
Yeh 3 points yaad rakho:
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Agar aap safe khelna chahte ho: Dividend stocks se start karo.
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Agar aap young ho aur risk le sakte ho: Growth stocks me thoda hissa rakho.
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Best strategy: 50-50 ya 60-40 ka combination (jaise 60% dividend, 40% growth ya vice versa, aapke comfort ke hisaab se).
Last me ek friendly tip:
Stock market ek marathon hai, race nahi. Dividend stocks aapko slow and steady le jaate hain, jabki growth stocks kabhi kabhi rocket ki tarah ud jaate hain. Dono ka apna role hai.
Toh beginner ho? Tension mat lo. Thoda research karo, chhoti amount se start karo, dono types ke stocks portfolio me rakho. Dheere dheere samajh bhi aayega aur paisa bhi badega.
