💹 Module 5: निवेश (Investment) की दुनिया में प्रवेश

⏳ Long Term vs Short Term निवेश

Financial Literacy Course में Long Term vs Short Term Investment का फर्क clear करना बहुत ज़रूरी है, क्योंकि हर goal के लिए अलग investment strategy चाहिए। मैं इसे आपके learners के लिए detail + examples + table के साथ समझाता हूँ।

Short Term Investment (कम अवधि का निवेश)

Duration: 0-3 साल (Immediate to near future goals)

Purpose:

• पैसा सुरक्षित और liquid रखना
• Emergency या short-term goals (vacation, gadgets, small purchase)

Features:

• Low Risk
• Moderate to Low Return
• High Liquidity (पैसा जल्दी निकाल सकते हैं)

Examples:

• Savings Account
• Fixed Deposit (FD) / Recurring Deposit (RD)
• Liquid Mutual Funds
• Short-Term Debt Funds

Pros:

• Safe & Stable
• Immediate use possible

Cons:

• Inflation beat नहीं करता
• Wealth creation नहीं होता

Long Term Investment (लंबी अवधि का निवेश)

Duration: 3+ साल (Ideally 5-20 साल)

Purpose:

• Wealth creation & future security
• Big goals (house, kids’ education, retirement)

Features:

• Medium to High Risk (Market fluctuations)
• High Return Potential
• Compounding का फायदा

Examples:

• Equity Mutual Funds (SIP)
• Direct Stocks (Equity)
• NPS (National Pension System)
• PPF (Public Provident Fund)
• Real Estate
• Sovereign Gold Bonds

Pros:

• Inflation beating return
• Wealth creation
• Passive income possible (dividend, rent)

Cons:

• Short-term में risk high
• Liquidity कम

Quick Comparison Table

Real-Life Example

👨‍💼 Ali, 35 years

• Short Term Goal: 2 साल में vacation ₹2 लाख

  • Investment: RD ₹8,000/month

• Long Term Goal: 15 साल में retirement corpus ₹1 करोड़

  • Investment: SIP ₹15,000/month in Equity MF

📈 Result:

• Short-term need safe & available
• Long-term wealth create with compounding

✅ Bottom Line

• Short Term = Safety & Liquidity Focus
• Long Term = Growth & Wealth Creation
• Smart investor दोनों balance करता है → Short-term safety + Long-term wealth