“Bonds vs What Is Equity – Kaha Karein Invest?”
"Bonds vs Equity - Kaha Karein Invest?"
Aksar investors apna surplus paisa invest karne se pehle sochte hain ki, fixed income – bonds mai invest karein ya phir, equity mai. Waise toh dono hi options sahi hai, lekin, agar inke annual returns dekhein toh kaafi difference hai – jahan bond ka ek average annual return possibility kuch 4 se 7% hota hai, wahin agar aap ek reputed equity mai invest karte hain for long term, toh aapko kaafi acha returns milta hai. For instance, Tata Steel ka 3 year returns 188% hai.
Historically bhi dekha jaye toh, returns ke maamle mai, equity hamesha bonds se strong hi raha hai..
Sabse pehle hum dono ke basic definition ko samajh lete hain.
Equity mai investors company ke shareholder ban jaate hain aur unhe equity shares ke basis pe company ka part ownership bhi mil jaata hai. Ab yeh shares badhenge toh shareholders ka capital appreciate hota hai aur agar dividend distribute kia toh dividend bhi milta hai.
Bonds mai investors company ko ek principal amount loan par dete hai aur uss loan ka unhe fixed interest milta hai. Tenure khatam hone par unhe unka principal amount bhi mil jaata hai.
Difference Parameter | Equity | Bonds |
Types | Company equity shares, Bonus shares, Employee Stock Options | Government Bond, Corporate Bonds, Municipal Bonds |
Returns | The return percentage depends upon the stock’s appreciation. It can increase or decrease. | The return percentage is fixed here |
Dividends | Companies may distribute yearly dividends. | There are no dividends here. |
Risk-o-meter | Riskier than bond | Low risk |
Liquidity | Highly liquid. You can buy and sell equity shares as and when you want on the stock exchanges | Less liquid than equity |
Who Should Buy? | Aggressive investors who want to increase their principal amount significantly in long run | Conservative Investors who want regular interest amount on their principal amount |
Investment Tenure | 5 to 10 years, 10 to 30 years | 1 day to Long-term. The longer you keep, the better percentage yield you get.. as you average out the market volatility |
If the worst happens | Shareholders are the last person to get paid in case of bankruptcy | As lenders, bond holders are paid a on priority basis in case of bankruptcy |
Bonds ya Equity? Choosing the Right Investment
Chahe aap bond mai invest kar rahe hain ya shares mai, bohut important hai ki aap apna risk tolerance pehle se hi measure kar lein. Kabhi bhi invest karte wakt ek thumb rule yaad rakhein – Do not invest what you cannot afford to lose. Isiliye aksar professional advisor ya experts’ consultancy kaafi zaroori hai..kyunki who kaafi behtar tarike se aapke investment ko diversify karte hain aapke risk ke hisaab se.
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