Jan - Feb - March ek aisa time hai jab logon ko investment ki yaad bade zoro se aati hai. Jiske peeche main reason hai Investment Details submit karna hota hai, aur uske basis pe aapka tax calculation kiya jaata hai. Aise important time par market me naya NFO yaani New FUnd Offer aaya hai. Iska naam hai SBI Retirement Benefit Fund. Kya hai NFO? Is scheme me kya kya options hai? Kya aapko is scheme se tax benefit milega? Ye saari baatein main aaj aapko bataunga mere post me. post ko end tak read kariye, blog ko subscribe kijiye, aur ppst ko like and share kijiye.
NFO kya hai?
NFO matlab New Fund Offer. Koi bhi AMC yaani Asset Management Company jab apna naya scheme launch karti hai, usko NFO kaha jaata hai. Ye IPO ki tarah hi hain kuch cases me. Yaani ek limited time period ke andar, jo AMC decide karega, aapko NFO me invest karna hota hai. NFO investment window khatam hone ke baad aapko firse AMC ke fix kiye hue window me hi invest karne ka option milega. NFO koi company tab laati hai jab usko funds ki zaroorat hoti hai, ya to Equity me invest karne ke liye ya fir koi aur expenses ke liye. Ye hai HFO ka poora funda. Ab aate hai SBI Retirement Benefit Fund yaani SBRF pe.
SBRF kya hai?
SBRF SBI ka naya NFO hai jisme aap February 3rd 2021 tak invest kar sakte hain. SBRF me invest karne ke liye kya options hai aapke paas?
1. Aggressive: 80-100 percent in equities
2. Aggressive hybrid: 65-80 percent in equity
3. Conservative hybrid: 10-40 percent in equity
4. Conservative up to 20 percent in equity are the four options.
Har ek option me aap Gold ETF aur Foreign Securities, dono me invest kar sakte hain. Fund Manager gaurav Mehta equity waala part sambhalenge, aur DInesh Ahuja fixed income part sambhalenge. Mehta ji SBI Multi Asset Allocation fund ko bhi sambhalte hain. Jo log foreign securities me invest karna chahte hain, unka fund sambhalenge Mohit Jain. Har ek plan ka equity portfolio ka ek core portfolio hoga, jo growth stocks pe invest kiya jayega, buy and hold strategy ke saath iska implementation hoga. Ye investment 505 tak ka hoga. Baaki 50% alag alag companies me invest ki jayegi. Ye companies ko choose kiya jayega unke business performance, macroeconomic factors aur kayi saare aise indicators dekh ke.
Aggressive and Hybrid Aggressive funds ko AAA rated PSUs and Soverign Bonds me invest kiya jayega. AAA rated ka matlab hai International Ratings Agency jaise Moody’s etc. ne jin bonds ko highest rate kiya hai unme investment kiya jayega. Ye isliye kyun ki ye high risk plan hai, isliye company chahegi ki sabse acche ghode par paisa lagaya jaye. Conservative Hybrid aur Cnservative plans me non AAA rated bonds me invest kiya jayega. Kya isme khatra zyada hoga? Bilku sahi, magar conservative aur Hybrid Conservative plans me aapka equity portfolio ka amount kam hoga, isliye risk bhi kam hai. Yaani zyada darne waali baat nahi hai.
Strengths and Weaknesses
Is fund ke positives and negatives itne closely linked with each other hai ke alag alag bolne se aapko samajh nahi aayega, mujhe bhi comparison karke maza nahi aayega. To pehla positive ye hai ki
1. Alag alag risk profile waale investors ke alag alag plans and option hai. Jo zyada aged hai, unke liye conservative and hybrid Conservative waala plan work karta hai. Young investors, jo abhi investment and money growth aim kar rahe hain, unke liye aggressive and Hybrid aggressive plans sahi hoga. Lekin iske saath jo bahut bada negative hai, wo hai 80C ke andar tax benefit na milna. SBRF me aapko immediately 80C ke andar benefit nahi milega. To jo log sirf tax bachane ke liye SBRF me invest karna chahte hain, unke liye ye ek bahut bada negative hoga aur is wajah se SBRF ko kuch hud tak pareshani bhi face karni pad sakti hai.
2. 5 saal ka lockin period young investors ke liye bahut accha option hai. Kyun ki Young investors ke liye returns important hota hai. Aur sabse important hai ki aap ko agar 3 saal baad laga ke aap plan change karne conservtaive me shift kar sakte hain, to wo bhi aap kar sakte hain, yaani transferability of plans. Lekin jitni baar aap transfer karenge utni baar aapko capital gains tax dena padega. Ye ek negative point banke ubhar sakta hai.
Filhaal SBI Retirement Benefit FUnd ek versatile and flexible investment option provide kar raha hai. Aapko kya lag raha hai iske baare me? Comment karke bataiye. Aur blog ko subscribe zaroor kijiye.
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