Bandhan AMC ke Suyash Choudhary ka kehna hai ki RBI jald hi interest rates ko **100-125 bps** badha sakta hai. Ab risk lene ka time nahi, safety par focus karo.
RBI ka next move kya hoga?
Bandhan AMC ke fixed income head, Suyash Choudhary ke hisaab se, inflation ko control mein rakhne ke liye RBI abhi aur strict hone wala hai. Repo rate mein 100 se 125 bps ki badhotari ho sakti hai, jisse rate 6.50% ke level ko touch kar sakta hai.
Debt funds mein kaise manage karein?
Jab interest rates badhte hain, toh debt mutual funds ke NAV par dabav banta hai. Choudhary ka simple funda hai: Short-duration funds pakdo. Isse agar rates aur upar jaate hain, toh aapke portfolio ko zyada nuksan nahi hoga aur aap jaldi higher-yielding bonds mein reinvest kar paoge.
Lalach se bachein
High inflation ke chakkar mein log aksar kharab credit quality wale bonds mein paisa daal dete hain extra return ke liye. Bhai, ye galti mat karna! Debt portfolio ka kaam safety dena hai, return chhapna nahi. Always go for high-quality credit assets.
Asset Allocation ka golden rule
Apne paise ko 40% fixed income aur 60% growth assets (equities) mein split karke rakho. Isme apne EPF aur bank deposits ko bhi count karna mat bhoolna. Foreign debt ke peeche mat bhago, wahan currency ka risk bahut zyada hota hai. Domestic market par bharosa rakho aur discipline maintain karo.