Bade players hamesha apni trading ki kamayi ka ek bada hissa debt instruments mein daal dete hain taaki unka 'income floor' bana rahe aur market ke girne par unhe apni main capital touch na karni pade.
Bahut se log debt instruments jaise bonds ya FDs ko sirf purane logon ya conservative investors ke liye mante hain. Par asli game kuch aur hai. Smart investors ise ek 'income floor' banane ke liye use karte hain. Iska matlab hai ki aapke daily expenses aapki safe investments se aane wale interest se cover ho jayein, taaki aapka main paisa hamesha intact rahe.
Profit Harvesting ka Secret
Jab market mast chalta hai aur profit hota hai, tab smart log apna 'market money' alag kar lete hain. Ye profit seedha debt instruments mein shift ho jata hai. Iska bada fayda ye hai ki agar market mein 10% ya 20% ka correction bhi aa jaye, toh aapko apna base capital bechne ki tension nahi hoti, kyunki aapke ghar ke kharche toh safe interest se nikal rahe hote hain.
Tax aur Safety ka Tarka
India mein log PPF ya SSY jaise options dhoondte hain kyunki ye EEE (Exempt-Exempt-Exempt) status wale hote hain. Matlab na investment par tax, na interest par, aur na hi final withdrawal par. Ye long term wealth preservation ke liye best hain.
Risks ko kaise ignore na karein?
'Safe' hone ka matlab ye nahi ki risk zero hai. Interest rate aur inflation ka darr hamesha rehta hai. Agar inflation zyada hai, toh aapke debt instrument ka real value kam ho sakta hai. Jab interest rates badhte hain, toh purane bonds ki price gir jati hai. Isliye, sirf equity ya sirf debt mein rehne ke bajaye, dono ka perfect balance banana hi ek pro investor ki nishani hai.