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Allocation ko capital ke hisaab se nahi, risk ke hisaab se sochna
Published by The Retail Trader · JUL 31, 2026 · Risk Management
Zyadatar log allocation ko paise mein sochte hain — itna equity mein, itna debt mein. Ek zyada useful tarika ye hai ki risk ko baanta jaaye, capital ko nahi.
Agar portfolio ka aadha hissa equity mein hai aur aadha debt mein, to capital barabar baanta gaya. Par portfolio ka lagbhag saara movement equity se aayega.
Risk ke hisaab se dekhein to wo portfolio balanced nahi hai — wo ek equity portfolio hai jiske saath thoda cushion hai.
Ek simple version bhi kaafi kaam karta hai:
• Har holding ka contribution nikaalo — uska weight gunaa uski volatility.
• Dekho ki total movement ka kitna percent kis holding se aa raha hai.
• Jo ek holding budget se zyada le rahi ho, uska weight ghatao.
• Ye review saal mein ek do baar kaafi hai.
Ye exercise pehli baar karne par lagbhag sabko ek hi cheez dikhti hai — portfolio ka jitna risk unhone socha tha, asli risk usse kaafi zyada hai. Wo ek baar dekh lena hi is exercise ka poora faayda hai.
Ye article sirf educational hai — koi buy ya sell recommendation nahi, koi guaranteed return ka daawa nahi, aur koi advisory nahi. Rules, rates aur mechanics exchange, SEBI aur RBI time-time par badalte hain, isliye har number apne broker ya official source par khud verify karo.