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Risk labels ka matlab, aur wo kya nahi batate
Published by The Retail Trader · AUG 06, 2026 · Mutual Funds & AMC
Har scheme ke saath ek riskometer aata hai jo low se very high tak dikhata hai. Wo ek useful disclosure hai, par usse zyada matlab nikaal lena aam galti hai.
Riskometer scheme ke portfolio ke aadhar par ek risk score se banta hai — usme credit quality, interest rate sensitivity aur market cap jaisi cheezein aati hain.
Wo har mahine review hota hai, isliye ek scheme ka riskometer samay ke saath badal sakta hai.
Riskometer se ye baatein pata nahi chaltin:
• Wo return ka koi anumaan nahi deta.
• Wo ye nahi batata ki fund acha hai ya bura.
• Do "very high" funds ka asli risk bilkul alag ho sakta hai.
• Wo aapke liye risk sahi hai ya nahi, ye to bilkul nahi batata — wo aapke goal par depend karta hai.
Risk label ko apni horizon ke saath jodo. Very high risk pandrah saal ke goal ke liye theek ho sakta hai aur agle saal ki fees ke liye bilkul galat — risk apne aap mein bura nahi hota, galti uski jagah ki hoti 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.