जानिये क्यों ज़रूरी हैं वक़्त के साथ पैसे के बदलती वैल्यू और कम्पाउंडिंग को समझना

अच्छा दोस्तों आप को अगर कोई आज २० हज़ार दे या फिर २० हज़ार आपको एक साल बाद दे तो आप कब लेना पसंद करेंगे? क्या आप भी आज २०हज़ार रुपए लेना पसंद करेंगे? सिर्फ आप नहीं, ज़्यादातर लोग आज ही मांगेंगे| लेकिन क्यों? क्या आप जानते हैं के ऎसा क्यों है?

इस सवाल का जवाब समझने के लिए ज़रूरी है के हम टाइम वैल्यू ऑफ़ मनी को समझे | दोस्तों फाइनेंस के प्रोफेसरों के हिसाब से फाइनेंस की सब से महत्वपूर्ण बात समय के साथ बदलती पैसे की वैल्यू को समझना| लेकिन  इस कांसेप्ट को समझने के लिए आपका फाइनेंस का स्टूडेंट होना जरुरी नहीं है| जी हाँ, आपने सही सुना|

क्या है पैसे की टाइम वैल्यू

आपने अपने पैसो को कई बार अलग अलग जगह निवेश किया  होगा और निवेश किये रकम पे आपको कुछ ब्याज या इंटरेस्ट मिला होगा| इसका मतलब साफ़ अक्षरों मे  यही हुआ के – पैसा निवेश करने से पहले आपके पास जो राशि थी वह निवेश ख़त्म होने पर उससे ज़्यादा हैं |

एक सरल उदहारण के साथ आपको समझाते हैं – अगर  आप १०० रुपए ७ प्रतिषत दर से एक साल  के लिए फिक्स्ड डिपाजिट पालिसी में निवेश करते हैं, तो एक साल बाद आपको मिलने वाली राशि १०७ रुपए होगी|

कुल राशि = मूल राशि + ब्याज़ = १०० + ७ = १०७ होगी।

यदि आप इसी राशि को एक साल के बजाए दो साल के लिए निवेश करदे तो दो वर्ष के पश्चात् आपको ११४ रुपए मिलेगी|

कुल राशि = मूल राशि + ब्याज़ = १०० + १४  = ११४  होगी।

तो इसका मतलब यही हुआ के जितने ज़्यादा वक़्त के लिए हम राशि निवेश करेंगे तो उतना  ही ज़्यादा बढ़ेगा हमारा पैसा | मतलब, जितने ज़्यादा वक़्त के लिए  पैसा  निवेश किया जायेगा, उतना ही उसका मूल्य बढ़ेगा|

लेकिन इस पल पल रंग बदलती दुनिया में क्या आज के पैसा का  मूल्य कल के पैसों से ज़्यादा है? जी हाँ दोस्तों पैसो का  मूल्य  समय पे भी निर्भर है| निवेश किये गए पैसो पर समय का मूल्य शामिल होता हैं | इसी को टाइम वैल्यू ऑफ़ मनी कहा जाता हैं |

इसे कैलकुलेट करना आसान हैं| यह मानते हुए के आप फाइनेंस के छात्र नहीं हैं, बिना फोरमुआला और कैलकुलेशन का सहारा लिए – आपको समझादे – अगर आप कही भी (बैंक याम्यूच्यूअल फण्ड) पैसा निवेश करते हैं कुछ वर्ष के लिए| पालिसी टर्म ख़त्म हनी के पश्चात् आप को बढ़ी हुई राशि मिलेगी, उसमें आपको बढ़ती महंगाई  का ध्यान रखना पढ़ेगा|

अपने बैंकर से ज़रूर समझले के बढ़ी हुई राशि जो टर्म पूरा होने पे मिलेगा उसकी सही वैल्यू क्या है|

टाइम वैल्यू ऑफ़ मनी कीजानकारी उन लोगों के लिएज़रूरी है जो शेयर बाज़ार या म्यूच्यूअल फण्ड में पैसा लगाते हैं|

अब आपको जवाब मिलगया होगा की अगर हमें चॉइस मिले के आज २० हज़ार रुपए ले लो या फिर एक साल बाद लो तो आज लेना सही होगा|

और अब तो आपको यह सवाल का जवाब भी मिल गया होगा की हमें अगर आज 20 हजार रुपए दे या फिर 1 साल बाद 20 हजार दे तो  क्यों हम आज ही 20 हजार रुपए लेंगे।

कम्पाउंडिंग क्या हैं और क्यों ज़रूरी हैं आप के लिए

दोस्तों अगर मैं आप को यह बोलू के दस लाख रुपए तीस सालों में दस करोड़ बन सकता हैं तो क्या आप मेरा विस्वाश करेंगे?

तो मैं आपको बता दूँ के यह मुमकिन हैं| इसे समझने के लिए आपको एकाउंट्स पढ़ने की जरुरत नहीं हैं| कक्षा १० में पढ़ी कंपाउंड इंटरेस्ट की समझ काफी हैं| यदि आप दस हज़ार रुपए ३६ परसेंट वार्षिक चक्रवृद्धि ब्याज यानि कंपाउंड इंटरस्ट में लगा दें तो यह मुमकिन हैं|

जैसाकि आप जानते हैं चक्रवृद्धि ब्याज में हर साल मिलने वाले ब्याज को पिछले राशि में मिला दिया जाता हैं, तो दस हज़ार रुपए को अगर इस तरह निवेश करे की ब्याज ३० साल तक लगातार  पिछले राशि में जोड़ दिया जाए, जो अगले वर्ष इंटरेस्ट निकालते वक़्त मूलराशि बनजाये तो सिर्फ ३० साल में दस हज़ार,  दस करोड़ बनजाए|

आप पूछ सकते है की कम्पाउंडिंग की आम ज़िन्दगी में क्या ज़रूरत हैं? तो भाई, जब अल्बर्टआइंस्टीन इसे दुनिया का आठवा अजूबा कह गए है तो आप समझले के यह कितना महत्वपूर्ण हैं आपकी धनवृद्धि में| कम्पाउंडिंग कीजानकारी , उनलोगो के लिएआवश्यक शेयर बाजार और म्यूच्यूअल फंड्स में लगाना चाहते है|

यह एक शानदार तरीका है पैसा बढ़ाने का, लेकिन आप में धैर्य होना ज़रूरी है| क्योंकी यहाँ आपको कमसेकम १०वर्षो के लिए पैसा निवेश करना पड़ेगा | एक्सपर्ट्स का यही मंत्र  है के अगर आप पैसा १० वर्ष के लिए शेयर मार्किट में नहीं लगा  सकते  है तो सोचिये भी म्यूच्यूअल फंड्स, सिप या शेयर मार्किट में निवेश करने के लिए |  

आपको कम्पाउंडिंग का लुत्फ़ उठाने के लिए उस चीनी किसान तरह होना पढ़ेगा जो चीनी बम्बू का फसल लगा ते है| वे चार चार साल  तक ज़मीन में बोते बम्बू  के बीज का लालण-पालण करते है  के पाँचवीं  वर्ष में उन्हे एक बेहतरीन फसल मिले|

डिस्क्लेमर : म्यूच्यूअल फंड निवेस बाज़ार के जोखमों  के अधीन है | निवेश करने से पहले पड़ताल करले और अपने फाइनेंसियल अद्विसेर से सलाह लेकर निवेश करें |

-टाटा म्यूचुअल फंड द्वारा लिखित सामग्री

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