Rupee cost averaging ka asli matlab, aur wo daawe jo SIP ke naam par galat kiye jaate hain
Published by The Retail Trader · AUG 09, 2026 · Features
SIP India mein sabse zyada bikne wala financial concept hai, aur uske aas-paas kuch aise daawe chipak gaye hain jo wo khud kabhi nahi karta. Uska asli faayda samajhna zaroori hai — kyunki wo asli faayda kaafi bada hai, bas wo nahi jo bataya jaata hai.
Har mahine ek tay amount ussi jagah lag jaata hai. Bhaav zyada hai to kam units milti hain, bhaav kam hai to zyada. Isi ko rupee cost averaging kehte hain.
Nateeja ye hota hai ki aapki average cost bahut zyada nahi bhaagti, chahe market kitna bhi upar-neeche ho.
SIP ka sabse bada faayda ganit nahi, behaviour hai. Wo faisla lene ki zaroorat hi hata deta hai — aur zyadatar retail nuksaan galat waqt par liye gaye faislon se hota hai, na ki galat product se.
Doosra faayda ye hai ki wo aapko girawat mein bhi kharidwaata hai. Wo daur jab manually invest karna sabse mushkil lagta hai, wahi wo daur hota hai jab SIP sabse zyada units deta hai.
Ye baatein SIP ke naam par kahi jaati hain aur sahi nahi hain:
• 'SIP se nuksaan nahi hota' — hota hai. Agar market lambe samay tak neeche rahe to SIP bhi loss mein rahega.
• 'SIP hamesha lump sum se behtar hai' — nahi. Lagataar chadhte market mein lump sum aage nikalta hai. SIP ka faayda uncertainty mein hai, har haal mein nahi.
• 'SIP matlab guaranteed return' — koi market-linked cheez guarantee nahi deti, chahe wo kisi bhi tarike se ho.
• 'SIP chalta rahe to timing ki zaroorat nahi' — timing ki zaroorat entry mein kam ho jaati hai, exit mein nahi. Goal ke paas aakar exit ka plan alag se chahiye.
Sabse aam galti ye hai ki log girawat mein SIP band kar dete hain. Yahi wo waqt hota hai jab wo sabse zyada kaam kar raha hota hai.
Isliye SIP ka amount utna hi rakho jitna aap bure daur mein bhi bina rukawat ke de sako. Ek chhota SIP jo dus saal chale, ek bade SIP se behtar hai jo aath mahine mein band ho jaaye.
SIP ek tarika hai, product nahi. Wo jis cheez mein ja raha hai, uska chunaav utna hi zaroori hai. SIP ek kharab choice ko theek nahi karta — wo sirf uske andar aapki entry ko smooth karta 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.