Kya aap bhi apni mehnat ki kamai ko Bank FD me invest karke kush hote hain ? Agar haan toa jara ruk jaiyen.
Kyunki hum aapko aaj ki ish post me Bank FD ke 10 bade nuksan ke bare batane bale hain,Inke bare me jankar aap bank me fixed deposit karne se pahle ek baar jaroor sochenge.
Bank Fixed Deposit
Ishme koi sak nahi hai ki aaj bhi india me bank fixed deposit (FD) ko sabse best aur safe investment options me se ek mana jata hai.
Aaj bhi lakhon log apni mehnat ki kamai ko bina kisi risk badhane ke liye FD me paisa invest karte hain.
Lekin kya aapko pata hai ki jis FD ko hum puri tarah se safe aur profitable investment mante hain, ushke kuch big disadvantages bhi ho sakte hain, yadi nahi jante toa aaiye ish post me jante hain bank fd ke 10 big disadvantages ke bare me details ke sath.
Yadi aap FD me paisa invest karne ki soch rahe hain ya aapne pahle se hi FD me paisa invest kiya hua hai toa ish post me di gaye information aapke liye bahot important ho sakti hai.
Ishliye full information ke liye padte rahiye ish blog post ko akhir tak.
FD Disadvantages 1 : Low Returns
FD me aapko low returns milta hai.
Bank FD me aapko 5%-7% ka return milta hai, jo ki bahot kam hai.
Aub agar aap Inflation ko jod den toa reality me aapki kamai lagbhag khatam hi ho jati hai.
FD Disadvantages 2 : Effect of Inflation
Maan lijiye aapko FD me 6% interest mil raha hai aur Inflation bhi 6% hai, toa reality me aapko koi benefit ho hi nahi raha hai.
Only aapka paisa bahin ka bahin rah jata hai.
FD Disadvantages 3 : Taxable
Bank FD se milne bala return puri tarah taxable hota hai.
Ishka bilkul sida aur saaf matlab hai ki aapki kamai ka bada hissa tax me hi chala jata hai.
FD Disadvantages 4 : Liquidity Problem
Bank me FD karne ke baad yadi aapko financial problems aati hai aur aap FD ko bich me hi tod dete hain toa aap par penalty lagti hai.
Iske karan aapko FD se milne bala return aur bhi kam ho jata hai.
FD Disadvantages 5 : Low Flexibility
Bank FD me jab ek baar aapka paisa lock ho jata hai, toa aap ushme changes nahi kar sakte.
Aapko yeh yaad rakhna hoga ki aap ushme na toa amount bada sakte hain na hi ghata sakte hain.
FD Disadvantages 6 : Opportunity Loss
Jab aap ek baar apne sare paise ko Bank FD me laga dete hain tab aapke pass share market, mutual fund jaise best options me investment karne ka bhi option nahi rahta.
FD Disadvantages 7 : Losses in the Long Term
Bank FD aapko long term me wealth create karne me bhi help nahi karti.
Aap ek baat hamesa yaad rakhen ki FD paisa safe rakhti hai badati nahi.
FD Disadvantages 8 : Premature Withdrawal Penalty
Agar medical emergency ya financial problems ke karan aapko kabhi paison ki need puri karne ke liye FD break karni pad jaye toa aapko penalty ke sath low interest milta hai.
FD Disadvantages 9 : Fix Interest Rate Disadvantage
Ek baar Bank FD ke baad agar future me interest rate badh bhi jaye toa bhi aapko old low interest rate hi milga.
Yani ek baar fd karne ke baad aap income karne ka koi aur chance bhi kho dete hain.
FD Disadvantages 10 : Slow Growth Options
Aap jante hi honge ke FD me compounding toa hota hi hai, Lekin Growth bahot slow hoti hai.
Ishka aapko sabse bada nuksan ye hota hai ki aap big financial goals fast achieve nahi kar sakte.
Note : Bank FD aaj bhi kai dushre investment options me se ek best option hai.
Ishliye ish post me di gaye rai ya information ko aap ek baar check karke right jaroor kar len.
Toa freind ye hai Bank FD karne ke kuch 10 nuksan, Yadi aapko inke alaba kisi aur nuksan ki information hai toa aap humain niche comment me likhkar batayen.post me de gaye information pasand aaye hai toa ishe apne freinds ke sath share karen.Thak You.
