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Ek jaisa average return, do bilkul alag anjaam
Published by The Retail Trader · AUG 04, 2026 · Risk Management
Do portfolios ka das saal ka average return bilkul same ho sakta hai aur unka final corpus bilkul alag. Farq sirf is baat ka hota hai ki bure saal kab aaye.
Agar aap sirf invest kar rahe ho aur nikaal nahi rahe, to order se bahut farq nahi padta. Problem tab shuru hoti hai jab aap regular withdrawal kar rahe ho.
Retirement ke shuruaati saalon mein bada nuksaan sabse mehnga hota hai, kyunki us waqt withdrawal ek chhote corpus mein se ho rahi hoti hai aur recovery ke liye base hi kam bachta hai.
Ye chaar cheezein is risk ko chhota karti hain:
• Kuch saal ka kharcha kam volatile assets mein alag rakhna.
• Withdrawal rate ko flexible rakhna — bure saal mein thoda kam nikalna.
• Goal ke paas aate hi equity allocation ghatana.
• Corpus banne ke aakhri saalon mein ek bada bet na lena.
Average return se plan banana aasan hai aur galat hai. Ek plan tabhi mazboot hai jab wo us scenario mein bhi chale jisme pehle do saal kharaab jaate hain — kyunki wo scenario kisi bhi doosre jitna hi mumkin 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.