📊 ETF Investment Guide: Mutual Fund se Behtar Hai Kya?
👋 Welcome to TechSami.in
Agar aap stock market aur mutual fund ke beech ek behtar option dhoond rahe ho, toh ye article aapke liye hai. Main hoon Sami, aur aap padh rahe hain TechSami.in – jahan aapko milti hai practical aur beginner-friendly finance knowledge.
Aaj hum baat karenge ETF Investment ke baare mein. Aapne ETF ke baare mein zaroor suna hoga, lekin shayad abhi bhi confusion ho ki ye hai kya, mutual funds se kaise alag hai, aur kya isme paisa lagana sahi rahega?
Aayein step-by-step samajhte hain.
📚 ETF Kya Hota Hai? (What is ETF?)
ETF ka full form hai: Exchange-Traded Fund, jiska matlab hai ki ye fund stock market par trade hota hai – bilkul ek share ki tarah.
🔄 ETF vs Mutual Fund
| Point | ETF | Mutual Fund |
|---|---|---|
| Trading | Real-time on stock exchange | End-of-day NAV par |
| Price Fluctuation | Har second price change hoti hai | Din mein ek baar NAV update hoti hai |
| Management Charges | Low (passive) | High (active management) |
| Expense Ratio | Bahut kam | Zyada |
| Buy/Sell Process | Broker ke through, like shares | Fund house ke through |
Mutual fund ki tarah ETF bhi unit based hota hai, lekin isme units har second trade hote hain, jisse aap real-time buying/selling kar sakte ho.
🧾 ETF ke Types
- Stock ETF – Equity ya stocks mein invest karta hai
- Bond ETF – Bonds aur debt instruments
- Commodity ETF – Jaise oil, gold, silver
- Gold ETF – Sirf gold mein invest karta hai
- Real Estate ETF – Real estate companies aur REITs mein
🤔 ETF Mein Invest Karna Chahiye Ya Nahi?
Agar aapko stock market ki basic samajh hai aur aapke paas thoda time bhi hai, toh ETF aapko mutual funds se behtar returns de sakta hai.
Lekin agar aap beginner ho ya time kam hai, toh mutual fund safer option rahega, kyunki wo actively manage hota hai.
ETF ek smart option hai low-cost passive investing ke liye.
🔝 Top SBI ETF: Nifty50 ETF
✅ SBI Nifty50 ETF – Overview
- Index: Invests in top 50 companies of India
- Price per Unit: ₹260.33 (approx, subject to change)
- 1-Year Return: 33.00%
- 3-Year Annualized Return: 14.00%
- 5-Year Return: 18.00%
Agar kisi ne 5 saal pehle isme ₹10 lakh invest kiya hota, toh uski value aaj ₹23.56 lakh hoti.
📊 SBI ETF Performance Calculator Example
Let’s assume:
- Investment Amount: ₹5,00,000
- Investment Duration: 5 years
- Average Annual Return: 18%
➡ Estimated Value Today: ₹11,78,000 approx
💰 Expense Ratio & Fund Size
- Fund Size: ₹2.69 lakh crore
- Expense Ratio: 0.04% only
ETF ka management cost almost zero hota hai as it’s passively managed, unlike mutual funds jisme charges zyada hote hain.
📝 Conclusion
ETF ek smart, low-cost, and flexible option hai un logon ke liye jo stock market mein invest karna chahte hain without active trading. SBI Nifty50 ETF jaise funds beginners ke liye best hai jisme risk kam aur returns stable hote hain.
Agar aapko market ki basic understanding hai, toh ETF mutual fund se behtar option ho sakta hai.
Aapko ye guide kaisa laga? Comment mein zaroor batayein!
Aur agar aap ETF calculator chahte ho ya video explanation, toh mujhe batao — main wo bhi bana dunga!
