{"id":3222,"date":"2025-10-01T11:44:27","date_gmt":"2025-10-01T06:14:27","guid":{"rendered":"https:\/\/paisaforever.com\/hin\/?p=3222"},"modified":"2025-10-01T11:44:27","modified_gmt":"2025-10-01T06:14:27","slug":"international-stocks-vs-mutual-funds-2025","status":"publish","type":"post","link":"https:\/\/paisaforever.com\/hin\/international-stocks-vs-mutual-funds-2025\/","title":{"rendered":"\u0905\u0902\u0924\u0930\u0930\u093e\u0937\u094d\u091f\u094d\u0930\u0940\u092f \u0928\u093f\u0935\u0947\u0936 2025: SIP \u092c\u0947\u0939\u0924\u0930 \u092f\u093e \u0921\u093e\u092f\u0930\u0947\u0915\u094d\u091f \u0938\u094d\u091f\u0949\u0915\u094d\u0938?"},"content":{"rendered":"<p data-start=\"134\" data-end=\"450\">\u092d\u093e\u0930\u0924\u0940\u092f \u0928\u093f\u0935\u0947\u0936\u0915\u094b\u0902 \u0915\u0947 \u0932\u093f\u090f <strong data-start=\"157\" data-end=\"180\">\u0905\u0902\u0924\u0930\u0930\u093e\u0937\u094d\u091f\u094d\u0930\u0940\u092f \u0928\u093f\u0935\u0947\u0936<\/strong> \u0905\u092c \u0915\u094b\u0908 \u092c\u0921\u093c\u0940 \u092c\u093e\u0924 \u0928\u0939\u0940\u0902 \u0930\u0939 \u0917\u0908\u0964 \u0932\u0947\u0915\u093f\u0928 \u0938\u0935\u093e\u0932 \u092f\u0939 \u0939\u0948 \u0915\u093f \u092e\u0948\u0902 \u0938\u0940\u0927\u0947 \u0905\u0902\u0924\u0930\u0930\u093e\u0937\u094d\u091f\u094d\u0930\u0940\u092f \u0936\u0947\u092f\u0930\u094b\u0902 \u092e\u0947\u0902 <strong data-start=\"263\" data-end=\"272\">\u0928\u093f\u0935\u0947\u0936<\/strong> \u0915\u0930\u0942\u0902 \u092f\u093e \u092b\u093f\u0930 \u0907\u0902\u091f\u0930\u0928\u0947\u0936\u0928\u0932 \u092e\u094d\u092f\u0942\u091a\u0941\u0905\u0932 \u092b\u0902\u0921 \u0914\u0930 ETF \u0915\u093e \u0930\u093e\u0938\u094d\u0924\u093e \u091a\u0941\u0928\u0942\u0902? \u0926\u094b\u0928\u094b\u0902 \u0924\u0930\u0940\u0915\u094b\u0902 \u0915\u0947 \u0905\u092a\u0928\u0947 \u092b\u093e\u092f\u0926\u0947 \u0914\u0930 \u0928\u0941\u0915\u0938\u093e\u0928 \u0939\u0948\u0902, \u0914\u0930 2025 \u092e\u0947\u0902 \u0938\u0939\u0940 \u091a\u0941\u0928\u093e\u0935 \u0915\u0930\u0928\u093e \u092e\u0947\u0930\u0947 \u092a\u094b\u0930\u094d\u091f\u092b\u094b\u0932\u093f\u092f\u094b \u0915\u0940 \u0938\u092b\u0932\u0924\u093e \u0915\u0947 \u0932\u093f\u090f \u092c\u0947\u0939\u0926 \u091c\u0930\u0942\u0930\u0940 \u0939\u0948\u0964<\/p>\n<p data-start=\"452\" data-end=\"688\">\u092f\u0939 \u0917\u093e\u0907\u0921 \u092e\u0948\u0902\u0928\u0947 \u0909\u0928 \u092d\u093e\u0930\u0924\u0940\u092f \u0928\u093f\u0935\u0947\u0936\u0915\u094b\u0902 \u0915\u0947 \u0932\u093f\u090f \u0924\u0948\u092f\u093e\u0930 \u0915\u0940 \u0939\u0948 \u091c\u094b \u0905\u092a\u0928\u0940 \u092c\u091a\u0924 \u0915\u094b \u0935\u093f\u0926\u0947\u0936\u0940 \u092c\u093e\u091c\u093e\u0930\u094b\u0902 \u092e\u0947\u0902 \u0932\u0917\u093e\u0915\u0930 <strong data-start=\"544\" data-end=\"594\">\u0905\u0902\u0924\u0930\u0930\u093e\u0937\u094d\u091f\u094d\u0930\u0940\u092f \u0928\u093f\u0935\u0947\u0936 \u092a\u094b\u0930\u094d\u091f\u092b\u094b\u0932\u093f\u092f\u094b \u0921\u093e\u0907\u0935\u0930\u094d\u0938\u093f\u092b\u093f\u0915\u0947\u0936\u0928<\/strong> \u091a\u093e\u0939\u0924\u0947 \u0939\u0948\u0902\u0964 \u091a\u093e\u0939\u0947 \u0906\u092a \u0928\u090f \u0928\u093f\u0935\u0947\u0936\u0915 \u0939\u094b\u0902 \u092f\u093e \u0905\u0928\u0941\u092d\u0935\u0940, \u092f\u0939\u093e\u0902 \u092e\u0948\u0902 \u0906\u092a\u0915\u094b \u0926\u094b\u0928\u094b\u0902 \u0935\u093f\u0915\u0932\u094d\u092a\u094b\u0902 \u0915\u0940 \u0938\u091a\u094d\u091a\u093e\u0908 \u092c\u0924\u093e\u090a\u0902\u0917\u093e\u0964<\/p>\n<p data-start=\"690\" data-end=\"1035\">\u092e\u0948\u0902 \u092f\u0939\u093e\u0902 \u0924\u0940\u0928 \u092e\u0941\u0916\u094d\u092f \u092a\u0939\u0932\u0941\u0913\u0902 \u092a\u0930 \u092b\u094b\u0915\u0938 \u0915\u0930\u0942\u0902\u0917\u093e: \u092a\u0939\u0932\u0947, \u0921\u093e\u092f\u0930\u0947\u0915\u094d\u091f \u0907\u0915\u094d\u0935\u093f\u091f\u0940 \u092c\u0928\u093e\u092e ETF \u0915\u0940 \u0932\u093e\u0917\u0924 \u0914\u0930 \u0930\u093f\u091f\u0930\u094d\u0928 \u0915\u0940 \u0924\u0941\u0932\u0928\u093e \u0915\u0930\u0942\u0902\u0917\u093e\u0964 \u0926\u0942\u0938\u0930\u0947, \u091c\u094b\u0916\u093f\u092e \u092a\u094d\u0930\u092c\u0902\u0927\u0928 \u0914\u0930 \u091f\u0948\u0915\u094d\u0938 \u0915\u0947 \u092e\u093e\u092e\u0932\u0947 \u092e\u0947\u0902 \u0915\u094c\u0928 \u0938\u093e \u0935\u093f\u0915\u0932\u094d\u092a \u092c\u0947\u0939\u0924\u0930 \u0939\u0948, \u0907\u0938\u0947 \u0938\u092e\u091d\u093e\u090a\u0902\u0917\u093e\u0964 \u0905\u0902\u0924 \u092e\u0947\u0902, 2025 \u092e\u0947\u0902 <strong data-start=\"898\" data-end=\"921\">\u0905\u0902\u0924\u0930\u0930\u093e\u0937\u094d\u091f\u094d\u0930\u0940\u092f \u0928\u093f\u0935\u0947\u0936<\/strong> \u0915\u0947 \u0932\u093f\u090f \u092e\u0948\u0902 \u0906\u092a\u0915\u094b \u0935\u094d\u092f\u093e\u0935\u0939\u093e\u0930\u093f\u0915 \u0938\u0941\u091d\u093e\u0935 \u0926\u0942\u0902\u0917\u093e \u091c\u094b \u0906\u092a\u0915\u0940 \u0935\u093f\u0924\u094d\u0924\u0940\u092f \u0938\u094d\u0925\u093f\u0924\u093f \u0915\u0947 \u0905\u0928\u0941\u0938\u093e\u0930 \u0938\u092c\u0938\u0947 \u0905\u091a\u094d\u091b\u093e \u0935\u093f\u0915\u0932\u094d\u092a \u091a\u0941\u0928\u0928\u0947 \u092e\u0947\u0902 \u092e\u0926\u0926 \u0915\u0930\u0947\u0902\u0917\u0947\u0964<\/p>\n<div>\n<div>\n<div>\n<h2 class=\"mb-4 text-3xl font-semibold leading-tight text-gray-800\"><strong>\u0921\u093e\u092f\u0930\u0947\u0915\u094d\u091f \u0917\u094d\u0932\u094b\u092c\u0932 \u0938\u094d\u091f\u0949\u0915\u094d\u0938 \u092f\u093e \u092e\u094d\u092f\u0942\u091a\u0941\u0905\u0932 \u092b\u0902\u0921 \u2013 \u0915\u094c\u0928 \u092c\u0947\u0939\u0924\u0930?<\/strong><\/h2>\n<p><img loading=\"lazy\" decoding=\"async\" class=\"alignnone size-full wp-image-3226\" src=\"https:\/\/paisaforever.com\/hin\/wp-content\/uploads\/2025\/10\/direct-stocks-vs-mutual-fund.jpeg\" alt=\"Direct stocks vs international Mutual funds and ETFs\" width=\"1200\" height=\"675\" srcset=\"https:\/\/paisaforever.com\/hin\/wp-content\/uploads\/2025\/10\/direct-stocks-vs-mutual-fund.jpeg 1200w, https:\/\/paisaforever.com\/hin\/wp-content\/uploads\/2025\/10\/direct-stocks-vs-mutual-fund-300x169.jpeg 300w, https:\/\/paisaforever.com\/hin\/wp-content\/uploads\/2025\/10\/direct-stocks-vs-mutual-fund-1024x576.jpeg 1024w, https:\/\/paisaforever.com\/hin\/wp-content\/uploads\/2025\/10\/direct-stocks-vs-mutual-fund-768x432.jpeg 768w\" sizes=\"auto, (max-width: 1200px) 100vw, 1200px\" \/><\/p>\n<\/div>\n<div class=\"markdown-renderer-container auto-height\">\n<div class=\"toastui-editor-defaultUI\">\n<div class=\"toastui-editor-main toastui-editor-md-mode\">\n<div class=\"toastui-editor-main-container\">\n<div class=\"toastui-editor-md-container toastui-editor-md-vertical-style\">\n<div class=\"toastui-editor-md-preview\">\n<div class=\"toastui-editor-contents\">\n<h4 data-nodeid=\"34899\"><strong>KYC \u0914\u0930 \u0921\u0949\u0915\u094d\u092f\u0942\u092e\u0947\u0902\u091f\u0947\u0936\u0928: \u092a\u0939\u0932\u093e \u0915\u0926\u092e<\/strong><\/h4>\n<p data-nodeid=\"34900\">\u091c\u092c \u092e\u0948\u0902\u0928\u0947 \u092a\u0939\u0932\u0940 \u092c\u093e\u0930 <strong data-nodeid=\"35024\">\u0905\u0902\u0924\u0930\u0930\u093e\u0937\u094d\u091f\u094d\u0930\u0940\u092f \u0936\u0947\u092f\u0930 \u0928\u093f\u0935\u0947\u0936<\/strong> \u0915\u0940 \u0938\u094b\u091a\u0940, \u0924\u094b \u0938\u092c\u0938\u0947 \u092a\u0939\u0932\u0947 \u092e\u0941\u091d\u0947 KYC \u0914\u0930 \u0921\u0949\u0915\u094d\u092f\u0942\u092e\u0947\u0902\u091f\u0947\u0936\u0928 \u0915\u0940 \u0938\u092e\u0938\u094d\u092f\u093e \u0906\u0908\u0964 \u092e\u0947\u0930\u0947 \u0905\u0928\u0941\u092d\u0935 \u0938\u0947 \u0915\u0939\u0942\u0902 \u0924\u094b \u092f\u0939 \u092a\u094d\u0930\u0915\u094d\u0930\u093f\u092f\u093e \u091c\u093f\u0924\u0928\u0940 \u091c\u091f\u093f\u0932 \u0932\u0917\u0924\u0940 \u0939\u0948, \u0909\u0924\u0928\u0940 \u0939\u0948 \u0928\u0939\u0940\u0902\u0964<\/p>\n<p data-nodeid=\"34901\"><strong data-nodeid=\"35028\">\u092e\u0941\u0916\u094d\u092f \u0926\u0938\u094d\u0924\u093e\u0935\u0947\u091c \u091c\u094b \u092e\u0941\u091d\u0947 \u091a\u093e\u0939\u093f\u090f \u0925\u0947:<\/strong><\/p>\n<ul>\n<li data-nodeid=\"34904\">PAN \u0915\u093e\u0930\u094d\u0921 (\u0905\u0928\u093f\u0935\u093e\u0930\u094d\u092f)<\/li>\n<li data-nodeid=\"34906\">\u0906\u0927\u093e\u0930 \u0915\u093e\u0930\u094d\u0921 \u092f\u093e \u092a\u093e\u0938\u092a\u094b\u0930\u094d\u091f (\u092a\u0939\u091a\u093e\u0928 \u0915\u0947 \u0932\u093f\u090f)<\/li>\n<li data-nodeid=\"34908\">\u092c\u0948\u0902\u0915 \u0938\u094d\u091f\u0947\u091f\u092e\u0947\u0902\u091f (\u092a\u093f\u091b\u0932\u0947 6 \u092e\u0939\u0940\u0928\u0947)<\/li>\n<li data-nodeid=\"34910\">\u0938\u0948\u0932\u0930\u0940 \u0938\u094d\u0932\u093f\u092a \u092f\u093e ITR (\u0906\u092f \u092a\u094d\u0930\u092e\u093e\u0923)<\/li>\n<li data-nodeid=\"34912\">\u090f\u0921\u094d\u0930\u0947\u0938 \u092a\u094d\u0930\u0942\u092b<\/li>\n<\/ul>\n<p data-nodeid=\"34913\">\u092e\u0948\u0902\u0928\u0947 \u092a\u093e\u092f\u093e \u0915\u093f \u092d\u093e\u0930\u0924\u0940\u092f \u092c\u094d\u0930\u094b\u0915\u0930 \u091c\u0948\u0938\u0947 Vested, INDmoney \u0915\u0947 \u0938\u093e\u0925 KYC \u0915\u0930\u0928\u093e \u0906\u0938\u093e\u0928 \u0939\u0948 \u0915\u094d\u092f\u094b\u0902\u0915\u093f \u0935\u0947 \u0939\u093f\u0902\u0926\u0940 \u092e\u0947\u0902 \u0938\u092a\u094b\u0930\u094d\u091f \u0926\u0947\u0924\u0947 \u0939\u0948\u0902\u0964 \u0935\u093f\u0926\u0947\u0936\u0940 \u092c\u094d\u0930\u094b\u0915\u0930 \u0915\u0947 \u0938\u093e\u0925 \u092a\u094d\u0930\u0915\u094d\u0930\u093f\u092f\u093e \u0925\u094b\u0921\u093c\u0940 \u0905\u0932\u0917 \u0939\u094b\u0924\u0940 \u0939\u0948 &#8211; \u0935\u0939\u093e\u0902 \u092e\u0941\u091d\u0947 \u0905\u0924\u093f\u0930\u093f\u0915\u094d\u0924 W-8BEN \u092b\u0949\u0930\u094d\u092e \u092d\u0930\u0928\u093e \u092a\u0921\u093c\u093e \u0925\u093e\u0964<\/p>\n<p data-nodeid=\"34914\"><strong data-nodeid=\"35039\">\u092e\u0947\u0930\u0940 \u091f\u093f\u092a:<\/strong> KYC \u0915\u0947 \u0926\u094c\u0930\u093e\u0928 \u0938\u092d\u0940 \u0926\u0938\u094d\u0924\u093e\u0935\u0947\u091c\u094b\u0902 \u0915\u0940 \u0938\u094d\u0915\u0948\u0928 \u0915\u0949\u092a\u0940 \u0924\u0948\u092f\u093e\u0930 \u0930\u0916\u0947\u0902\u0964 \u0915\u0908 \u092c\u093e\u0930 \u0935\u0947\u0930\u093f\u092b\u093f\u0915\u0947\u0936\u0928 \u092e\u0947\u0902 2-3 \u0926\u093f\u0928 \u0932\u0917 \u091c\u093e\u0924\u0947 \u0939\u0948\u0902\u0964<\/p>\n<h4 data-nodeid=\"34915\"><strong>LRS \u0932\u093f\u092e\u093f\u091f: \u092d\u093e\u0930\u0924\u0940\u092f \u0928\u093f\u0935\u0947\u0936\u0915\u094b\u0902 \u0915\u0947 \u0932\u093f\u090f \u0915\u094d\u092f\u093e \u092e\u093e\u092f\u0928\u0947 \u0930\u0916\u0924\u0940 \u0939\u0948<\/strong><\/h4>\n<p data-nodeid=\"34916\">LRS \u0915\u093e $250,000 \u0915\u093e \u0932\u093f\u092e\u093f\u091f \u092e\u0947\u0930\u0947 \u0932\u093f\u090f \u0915\u093e\u092b\u0940 \u0930\u0939\u093e \u0939\u0948 \u0936\u0941\u0930\u0941\u0906\u0924 \u092e\u0947\u0902\u0964 RBI \u0915\u0947 \u0907\u0938 \u0928\u093f\u092f\u092e \u0915\u0947 \u0924\u0939\u0924 \u092e\u0948\u0902 \u0939\u0930 \u092b\u093e\u0907\u0928\u0947\u0902\u0938\u093f\u092f\u0932 \u0908\u092f\u0930 \u092e\u0947\u0902 \u0907\u0924\u0928\u0940 \u0930\u093e\u0936\u093f <strong data-nodeid=\"35050\">\u0935\u093f\u0926\u0947\u0936\u0940 \u0938\u094d\u091f\u0949\u0915<\/strong> \u092e\u0947\u0902 \u0928\u093f\u0935\u0947\u0936 \u0915\u0930 \u0938\u0915\u0924\u093e \u0939\u0942\u0902\u0964<\/p>\n<p data-nodeid=\"34917\"><strong data-nodeid=\"35054\">LRS \u0915\u0947 \u0924\u0939\u0924 \u092e\u0948\u0902 \u0915\u094d\u092f\u093e \u0915\u0930 \u0938\u0915\u0924\u093e \u0939\u0942\u0902:<\/strong><\/p>\n<ul>\n<li data-nodeid=\"34920\">\u0935\u093f\u0926\u0947\u0936\u0940 \u0936\u0947\u092f\u0930\u094b\u0902 \u092e\u0947\u0902 \u0921\u093e\u092f\u0930\u0947\u0915\u094d\u091f \u0928\u093f\u0935\u0947\u0936<\/li>\n<li data-nodeid=\"34922\">\u0907\u0902\u091f\u0930\u0928\u0947\u0936\u0928\u0932 ETF \u0916\u0930\u0940\u0926\u0928\u093e<\/li>\n<li data-nodeid=\"34924\">\u0935\u093f\u0926\u0947\u0936\u0940 \u092a\u094d\u0930\u0949\u092a\u0930\u094d\u091f\u0940 \u092f\u093e \u092c\u093f\u091c\u0928\u0947\u0938 \u092e\u0947\u0902 \u0928\u093f\u0935\u0947\u0936<\/li>\n<li data-nodeid=\"34926\">\u090f\u091c\u0941\u0915\u0947\u0936\u0928 \u092f\u093e \u091f\u094d\u0930\u0947\u0935\u0932 \u0915\u0947 \u0932\u093f\u090f \u0907\u0938\u094d\u0924\u0947\u092e\u093e\u0932<\/li>\n<\/ul>\n<p data-nodeid=\"34927\">\u092e\u0948\u0902\u0928\u0947 \u0926\u0947\u0916\u093e \u0939\u0948 \u0915\u093f \u0915\u0908 \u0928\u093f\u0935\u0947\u0936\u0915 \u0907\u0938 \u0932\u093f\u092e\u093f\u091f \u0915\u094b \u092a\u0942\u0930\u093e \u0928\u0939\u0940\u0902 \u0915\u0930 \u092a\u093e\u0924\u0947\u0964 \u092e\u0947\u0930\u0940 \u0938\u0932\u093e\u0939 \u0939\u0948 \u0915\u093f \u091b\u094b\u091f\u0947 \u0905\u092e\u093e\u0909\u0902\u091f \u0938\u0947 \u0936\u0941\u0930\u0941\u0906\u0924 \u0915\u0930\u0947\u0902\u0964 \u092e\u0948\u0902 \u0936\u0941\u0930\u0942 \u092e\u0947\u0902 $5,000-10,000 \u0938\u0947 \u0936\u0941\u0930\u0942 \u0915\u0930\u0915\u0947 \u0927\u0940\u0930\u0947-\u0927\u0940\u0930\u0947 \u092c\u0922\u093c\u093e\u0924\u093e \u0917\u092f\u093e\u0964<\/p>\n<p data-nodeid=\"34928\"><strong data-nodeid=\"35068\">\u091c\u0930\u0942\u0930\u0940 \u092c\u093e\u0924:<\/strong> \u092f\u0926\u093f \u092e\u0948\u0902 \u0938\u093e\u0932 \u092d\u0930 \u092e\u0947\u0902 $250,000 \u0907\u0938\u094d\u0924\u0947\u092e\u093e\u0932 \u0928\u0939\u0940\u0902 \u0915\u0930\u0942\u0902 \u0924\u094b \u092f\u0939 \u0905\u0917\u0932\u0947 \u0938\u093e\u0932 carry forward \u0928\u0939\u0940\u0902 \u0939\u094b\u0924\u093e\u0964<\/p>\n<p data-nodeid=\"34928\">For more info on LRS visit <a href=\"https:\/\/www.rbi.org.in\/commonperson\/english\/scripts\/FAQs.aspx?Id=1834\" target=\"_blank\" rel=\"noopener\">RBI FAQs<\/a><\/p>\n<h4 data-nodeid=\"34929\"><strong>\u092d\u093e\u0930\u0924\u0940\u092f \u092c\u094d\u0930\u094b\u0915\u0930\u0947\u091c \u092a\u094d\u0932\u0947\u091f\u092b\u0949\u0930\u094d\u092e \u092c\u0928\u093e\u092e \u0935\u093f\u0926\u0947\u0936\u0940 \u092c\u094d\u0930\u094b\u0915\u0930 \u0915\u0947 \u092b\u093e\u092f\u0926\u0947-\u0928\u0941\u0915\u0938\u093e\u0928<\/strong><\/h4>\n<p data-nodeid=\"34930\">\u092e\u0948\u0902\u0928\u0947 \u0926\u094b\u0928\u094b\u0902 \u0924\u0930\u0940\u0915\u094b\u0902 \u0915\u094b \u091f\u094d\u0930\u093e\u0908 \u0915\u093f\u092f\u093e \u0939\u0948 \u0914\u0930 \u092f\u0939\u093e\u0902 \u092e\u0947\u0930\u093e \u0905\u0928\u0941\u092d\u0935 \u0939\u0948:<\/p>\n<table data-nodeid=\"34932\">\n<thead data-nodeid=\"34933\">\n<tr data-nodeid=\"34934\">\n<th data-nodeid=\"34936\">\u092a\u0939\u0932\u0942<\/th>\n<th data-nodeid=\"34937\">\u092d\u093e\u0930\u0924\u0940\u092f \u092c\u094d\u0930\u094b\u0915\u0930<\/th>\n<th data-nodeid=\"34938\">\u0935\u093f\u0926\u0947\u0936\u0940 \u092c\u094d\u0930\u094b\u0915\u0930<\/th>\n<\/tr>\n<\/thead>\n<tbody data-nodeid=\"34942\">\n<tr data-nodeid=\"34943\">\n<td data-nodeid=\"34944\"><strong data-nodeid=\"35077\">\u0938\u0947\u091f\u0905\u092a \u0915\u0940 \u0906\u0938\u093e\u0928\u0940<\/strong><\/td>\n<td data-nodeid=\"34945\">\u0906\u0938\u093e\u0928, \u0939\u093f\u0902\u0926\u0940 \u0938\u092a\u094b\u0930\u094d\u091f<\/td>\n<td data-nodeid=\"34946\">\u0925\u094b\u0921\u093c\u093e \u091c\u091f\u093f\u0932<\/td>\n<\/tr>\n<tr data-nodeid=\"34947\">\n<td data-nodeid=\"34948\"><strong data-nodeid=\"35083\">\u092c\u094d\u0930\u094b\u0915\u0930\u0947\u091c \u091a\u093e\u0930\u094d\u091c<\/strong><\/td>\n<td data-nodeid=\"34949\">$0.99-2.99 \u092a\u094d\u0930\u0924\u093f \u091f\u094d\u0930\u0947\u0921<\/td>\n<td data-nodeid=\"34950\">$0-7 \u092a\u094d\u0930\u0924\u093f \u091f\u094d\u0930\u0947\u0921<\/td>\n<\/tr>\n<tr data-nodeid=\"34951\">\n<td data-nodeid=\"34952\"><strong data-nodeid=\"35091\">\u0915\u0930\u0947\u0902\u0938\u0940 \u0915\u0928\u094d\u0935\u0930\u094d\u091c\u0928<\/strong><\/td>\n<td data-nodeid=\"34953\">0.5-1%<\/td>\n<td data-nodeid=\"34954\">0.25-0.75%<\/td>\n<\/tr>\n<tr data-nodeid=\"34955\">\n<td data-nodeid=\"34956\"><strong data-nodeid=\"35097\">\u091f\u0948\u0915\u094d\u0938 \u0930\u093f\u092a\u094b\u0930\u094d\u091f\u093f\u0902\u0917<\/strong><\/td>\n<td data-nodeid=\"34957\">\u0905\u092a\u0928\u0947 \u0906\u092a \u0939\u094b \u091c\u093e\u0924\u0940<\/td>\n<td data-nodeid=\"34958\">\u092e\u0941\u091d\u0947 \u0916\u0941\u0926 \u0915\u0930\u0928\u0940 \u092a\u0921\u093c\u0924\u0940<\/td>\n<\/tr>\n<tr data-nodeid=\"34959\">\n<td data-nodeid=\"34960\"><strong data-nodeid=\"35103\">\u0938\u094d\u091f\u0949\u0915\u094d\u0938 \u0915\u0940 \u0930\u0947\u0902\u091c<\/strong><\/td>\n<td data-nodeid=\"34961\">\u0932\u093f\u092e\u093f\u091f\u0947\u0921 (500-2000)<\/td>\n<td data-nodeid=\"34962\">\u0905\u0938\u0940\u092e\u093f\u0924<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<p data-nodeid=\"34963\"><strong data-nodeid=\"35109\">\u092d\u093e\u0930\u0924\u0940\u092f \u092a\u094d\u0932\u0947\u091f\u092b\u0949\u0930\u094d\u092e \u0915\u0947 \u092b\u093e\u092f\u0926\u0947 \u091c\u094b \u092e\u0941\u091d\u0947 \u092e\u093f\u0932\u0947:<\/strong><\/p>\n<ul>\n<li data-nodeid=\"34966\">\u0906\u0938\u093e\u0928 \u091f\u0948\u0915\u094d\u0938 \u0915\u0948\u0932\u0915\u0941\u0932\u0947\u0936\u0928<\/li>\n<li data-nodeid=\"34968\">\u0930\u0941\u092a\u090f \u092e\u0947\u0902 P&amp;L \u0926\u093f\u0916\u0924\u093e \u0939\u0948<\/li>\n<li data-nodeid=\"34970\">\u0915\u0938\u094d\u091f\u092e\u0930 \u0938\u0930\u094d\u0935\u093f\u0938 \u0939\u093f\u0902\u0926\u0940 \u092e\u0947\u0902<\/li>\n<li data-nodeid=\"34972\">UPI \u0938\u0947 \u092a\u0947\u092e\u0947\u0902\u091f \u0906\u0938\u093e\u0928<\/li>\n<\/ul>\n<p data-nodeid=\"34973\"><strong data-nodeid=\"35119\">\u0935\u093f\u0926\u0947\u0936\u0940 \u092c\u094d\u0930\u094b\u0915\u0930 \u0915\u0947 \u092b\u093e\u092f\u0926\u0947:<\/strong><\/p>\n<ul>\n<li data-nodeid=\"34976\">\u0915\u092e \u0915\u0949\u0938\u094d\u091f \u092a\u0930 \u091f\u094d\u0930\u0947\u0921\u093f\u0902\u0917<\/li>\n<li data-nodeid=\"34978\">\u091c\u094d\u092f\u093e\u0926\u093e \u0938\u094d\u091f\u0949\u0915\u094d\u0938 \u0909\u092a\u0932\u092c\u094d\u0927<\/li>\n<li data-nodeid=\"34980\">\u092c\u0947\u0939\u0924\u0930 \u0930\u093f\u0938\u0930\u094d\u091a \u091f\u0942\u0932\u094d\u0938<\/li>\n<li data-nodeid=\"34982\">\u092b\u094d\u0930\u0948\u0915\u094d\u0936\u0928\u0932 \u0936\u0947\u092f\u0930\u094d\u0938 \u0916\u0930\u0940\u0926 \u0938\u0915\u0924\u0947 \u0939\u0948\u0902<\/li>\n<\/ul>\n<p data-nodeid=\"34983\">\u092e\u0947\u0930\u0940 \u0930\u093e\u092f \u092e\u0947\u0902 \u0936\u0941\u0930\u0941\u0906\u0924\u0940 \u0928\u093f\u0935\u0947\u0936\u0915\u094b\u0902 \u0915\u0947 \u0932\u093f\u090f \u092d\u093e\u0930\u0924\u0940\u092f \u092a\u094d\u0932\u0947\u091f\u092b\u0949\u0930\u094d\u092e \u092c\u0947\u0939\u0924\u0930 \u0939\u0948\u0902\u0964<\/p>\n<h4 data-nodeid=\"34984\"><strong>\u091f\u0948\u0915\u094d\u0938 \u0907\u0902\u092a\u094d\u0932\u0940\u0915\u0947\u0936\u0928 \u0914\u0930 \u0921\u092c\u0932 \u091f\u0948\u0915\u094d\u0938\u0947\u0936\u0928 \u0938\u0947 \u092c\u091a\u0928\u0947 \u0915\u0947 \u0924\u0930\u0940\u0915\u0947<\/strong><\/h4>\n<p data-nodeid=\"34985\">\u092f\u0939 \u0938\u092c\u0938\u0947 \u091c\u091f\u093f\u0932 \u0939\u093f\u0938\u094d\u0938\u093e \u0932\u0917\u0924\u093e \u0939\u0948, \u0932\u0947\u0915\u093f\u0928 \u092e\u0948\u0902\u0928\u0947 \u0907\u0938\u0947 \u0938\u092e\u091d\u0915\u0930 \u0915\u093e\u092b\u0940 \u091f\u0948\u0915\u094d\u0938 \u092c\u091a\u093e\u092f\u093e \u0939\u0948\u0964<\/p>\n<p data-nodeid=\"34986\"><strong data-nodeid=\"35130\">\u092e\u0941\u0916\u094d\u092f \u091f\u0948\u0915\u094d\u0938 \u0930\u0942\u0932\u094d\u0938 \u091c\u094b \u092e\u0941\u091d\u0947 \u092a\u0924\u093e \u091a\u0932\u0947:<\/strong><\/p>\n<p data-nodeid=\"34987\"><strong data-nodeid=\"35134\">1. \u0915\u0948\u092a\u093f\u091f\u0932 \u0917\u0947\u0928\u094d\u0938:<\/strong><\/p>\n<ul>\n<li dir=\"auto\">\u0936\u0949\u0930\u094d\u091f \u091f\u0930\u094d\u092e (24 \u092e\u0939\u0940\u0928\u0947 \u0938\u0947 \u0915\u092e): \u092e\u0947\u0930\u0940 \u0938\u094d\u0932\u0948\u092c \u0930\u0947\u091f \u0915\u0947 \u0939\u093f\u0938\u093e\u092c \u0938\u0947 \u091f\u0948\u0915\u094d\u0938;<\/li>\n<li dir=\"auto\">\u0932\u0949\u0928\u094d\u0917 \u091f\u0930\u094d\u092e (24 \u092e\u0939\u0940\u0928\u0947 \u0938\u0947 \u091c\u094d\u092f\u093e\u0926\u093e): 12.5% \u091f\u0948\u0915\u094d\u0938 (\u0907\u0902\u0921\u0947\u0915\u094d\u0938\u0947\u0936\u0928 \u0915\u0947 \u092c\u093f\u0928\u093e)<\/li>\n<\/ul>\n<p data-nodeid=\"34993\"><strong data-nodeid=\"35140\">2. \u0921\u093f\u0935\u093f\u0921\u0947\u0902\u0921:<\/strong><\/p>\n<ul>\n<li data-nodeid=\"34996\">\u0935\u093f\u0926\u0947\u0936\u0940 \u0915\u0902\u092a\u0928\u0940 10-30% \u091f\u0948\u0915\u094d\u0938 \u0915\u093e\u091f \u0932\u0947\u0924\u0940 \u0939\u0948<\/li>\n<li data-nodeid=\"34998\">\u092d\u093e\u0930\u0924 \u092e\u0947\u0902 \u092d\u0940 \u091f\u0948\u0915\u094d\u0938 \u0926\u0947\u0928\u093e \u092a\u0921\u093c\u0924\u093e \u0939\u0948<\/li>\n<li data-nodeid=\"35000\">DTAA \u0915\u0947 \u0924\u0939\u0924 \u0915\u094d\u0930\u0947\u0921\u093f\u091f \u092e\u093f\u0932 \u091c\u093e\u0924\u093e \u0939\u0948 \u091c\u094b \u0935\u093f\u0926\u0947\u0936\u0940 \u091f\u0948\u0915\u094d\u0938 \u0915\u093e \u0938\u092e\u093e\u092f\u094b\u091c\u0928 \u0915\u0930\u0924\u093e \u0939\u0948<\/li>\n<\/ul>\n<p data-nodeid=\"35001\"><strong data-nodeid=\"35147\">\u0921\u092c\u0932 \u091f\u0948\u0915\u094d\u0938\u0947\u0936\u0928 \u0938\u0947 \u092c\u091a\u0928\u0947 \u0915\u0947 \u0924\u0930\u0940\u0915\u0947:<\/strong><\/p>\n<ul>\n<li data-nodeid=\"35004\">Form 67 \u092d\u0930\u0915\u0930 \u0935\u093f\u0926\u0947\u0936\u0940 \u091f\u0948\u0915\u094d\u0938 \u0915\u093e \u0915\u094d\u0930\u0947\u0921\u093f\u091f \u0932\u0947\u0928\u093e<\/li>\n<li data-nodeid=\"35006\">DTAA \u0915\u0947 \u092c\u0947\u0928\u093f\u092b\u093f\u091f\u094d\u0938 \u0915\u093e \u0907\u0938\u094d\u0924\u0947\u092e\u093e\u0932 \u0915\u0930\u0928\u093e<\/li>\n<li data-nodeid=\"35008\">\u091f\u0948\u0915\u094d\u0938 \u091f\u094d\u0930\u0940\u091f\u0940 \u0915\u0940 \u091c\u093e\u0928\u0915\u093e\u0930\u0940 \u0930\u0916\u0928\u093e<\/li>\n<\/ul>\n<p data-nodeid=\"35009\"><strong data-nodeid=\"35154\">\u092e\u0947\u0930\u0940 \u092a\u094d\u0930\u0948\u0915\u094d\u091f\u093f\u0915\u0932 \u091f\u093f\u092a\u094d\u0938:<\/strong><\/p>\n<ul>\n<li data-nodeid=\"35012\">\u0938\u092d\u0940 \u091f\u094d\u0930\u0947\u0921\u094d\u0938 \u0915\u093e \u0930\u093f\u0915\u0949\u0930\u094d\u0921 \u0930\u0916\u0942\u0902<\/li>\n<li data-nodeid=\"35014\">\u0915\u0930\u0947\u0902\u0938\u0940 \u0915\u0928\u094d\u0935\u0930\u094d\u091c\u0928 \u0915\u0940 \u0930\u0947\u091f \u0928\u094b\u091f \u0915\u0930\u0942\u0902<\/li>\n<li data-nodeid=\"35016\">CA \u0938\u0947 \u0938\u0932\u093e\u0939 \u0932\u0942\u0902 \u091c\u091f\u093f\u0932 \u0915\u0947\u0938\u0947\u0938 \u092e\u0947\u0902<\/li>\n<\/ul>\n<p data-nodeid=\"35017\">\u092e\u0948\u0902\u0928\u0947 \u0926\u0947\u0916\u093e \u0939\u0948 \u0915\u093f <strong data-nodeid=\"35163\">\u0917\u094d\u0932\u094b\u092c\u0932 \u0907\u0915\u094d\u0935\u093f\u091f\u0940 \u092b\u0902\u0921<\/strong> \u0915\u0947 \u091c\u0930\u093f\u090f \u0928\u093f\u0935\u0947\u0936 \u0915\u0930\u0928\u093e \u091f\u0948\u0915\u094d\u0938 \u0915\u0947 \u0932\u093f\u0939\u093e\u091c \u0938\u0947 \u0906\u0938\u093e\u0928 \u0939\u094b\u0924\u093e \u0939\u0948 \u0915\u094d\u092f\u094b\u0902\u0915\u093f \u092b\u0902\u0921 \u0939\u093e\u0909\u0938 \u092f\u0939 \u0915\u093e\u092e \u0938\u0902\u092d\u093e\u0932 \u0932\u0947\u0924\u093e \u0939\u0948\u0964<\/p>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<div>\n<div>\n<h2 class=\"mb-4 text-3xl font-semibold leading-tight text-gray-800\"><strong>ETF \u092c\u0928\u093e\u092e \u092e\u094d\u092f\u0942\u091a\u0941\u0905\u0932 \u092b\u0902\u0921 \u2013 \u0938\u0939\u0940 \u091a\u0941\u0928\u093e\u0935 \u0915\u0948\u0938\u0947 \u0915\u0930\u0947\u0902?<\/strong><\/h2>\n<p><img decoding=\"async\" class=\"w-full\" src=\"https:\/\/gravitywrite.sgp1.digitaloceanspaces.com\/blog\/img_3712291_2025_09_30_11_57_12.jpg\" alt=\"https:\/\/www.pexels.com\/photo\/scrabble-tiles-spelling-etf-on-wooden-table-30917896\/\" \/><\/p>\n<\/div>\n<div class=\"markdown-renderer-container auto-height\">\n<div class=\"toastui-editor-defaultUI\">\n<div class=\"toastui-editor-main toastui-editor-md-mode\">\n<div class=\"toastui-editor-main-container\">\n<div class=\"toastui-editor-md-container toastui-editor-md-vertical-style\">\n<h4 class=\"toastui-editor-md-splitter\"><strong><span style=\"font-family: inherit; font-size: 29px; font-style: inherit;\">FOF (Fund of Funds) \u0915\u0947 \u092e\u093e\u0927\u094d\u092f\u092e \u0938\u0947 \u0935\u093f\u0926\u0947\u0936\u0940 \u090f\u0915\u094d\u0938\u092a\u094b\u091c\u0930 \u092a\u093e\u0928\u0947 \u0915\u0940 \u0938\u0941\u0935\u093f\u0927\u093e<\/span><\/strong><\/h4>\n<div class=\"toastui-editor-md-preview\">\n<div class=\"toastui-editor-contents\">\n<p data-nodeid=\"35165\">\u092e\u0948\u0902\u0928\u0947 \u092a\u093f\u091b\u0932\u0947 \u0915\u0941\u091b \u0938\u093e\u0932\u094b\u0902 \u092e\u0947\u0902 \u0926\u0947\u0916\u093e \u0939\u0948 \u0915\u093f <strong data-nodeid=\"35225\">\u0905\u0902\u0924\u0930\u0930\u093e\u0937\u094d\u091f\u094d\u0930\u0940\u092f \u092e\u094d\u092f\u0942\u091a\u0941\u0905\u0932 \u092b\u0902\u0921<\/strong> \u0915\u0947 \u091c\u0930\u093f\u090f \u0928\u093f\u0935\u0947\u0936 \u0915\u0930\u0928\u093e \u0938\u092c\u0938\u0947 \u0906\u0938\u093e\u0928 \u0924\u0930\u0940\u0915\u093e \u0939\u0948 \u0935\u093f\u0926\u0947\u0936\u0940 \u092e\u093e\u0930\u094d\u0915\u0947\u091f \u092e\u0947\u0902 \u090f\u0915\u094d\u0938\u092a\u094b\u091c\u0930 \u092a\u093e\u0928\u0947 \u0915\u093e\u0964 FOF \u092f\u093e\u0928\u0940 Fund of Funds \u0915\u093e \u092e\u0924\u0932\u092c \u0939\u0948 \u0915\u093f \u092f\u0947 \u092b\u0902\u0921\u094d\u0938 \u0926\u0942\u0938\u0930\u0947 \u092b\u0902\u0921\u094d\u0938 \u092e\u0947\u0902 \u0928\u093f\u0935\u0947\u0936 \u0915\u0930\u0924\u0947 \u0939\u0948\u0902, \u0916\u093e\u0938\u0915\u0930 \u0935\u093f\u0926\u0947\u0936\u0940 ETF \u0914\u0930 \u092e\u094d\u092f\u0942\u091a\u0941\u0905\u0932 \u092b\u0902\u0921\u094d\u0938 \u092e\u0947\u0902\u0964<\/p>\n<p data-nodeid=\"35166\">\u092e\u0947\u0930\u0947 \u0905\u0928\u0941\u092d\u0935 \u092e\u0947\u0902, FOF \u0915\u093e \u0938\u092c\u0938\u0947 \u092c\u0921\u093c\u093e \u092b\u093e\u092f\u0926\u093e \u092f\u0939 \u0939\u0948 \u0915\u093f \u092e\u0941\u091d\u0947 KYC, \u0935\u093f\u0926\u0947\u0936\u0940 \u092c\u094d\u0930\u094b\u0915\u0930\u0947\u091c \u0905\u0915\u093e\u0909\u0902\u091f \u0916\u094b\u0932\u0928\u0947, \u092f\u093e tax compliance \u0915\u0940 \u091d\u0902\u091d\u091f \u0928\u0939\u0940\u0902 \u0939\u0948\u0964 \u092c\u0938 SIP \u0936\u0941\u0930\u0942 \u0915\u0930\u0915\u0947 \u092e\u0948\u0902 US, Europe, \u0914\u0930 emerging markets \u092e\u0947\u0902 diversify \u0915\u0930 \u0938\u0915\u0924\u093e \u0939\u0942\u0902\u0964 \u091c\u0948\u0938\u0947 Motilal Oswal S&amp;P 500 Index Fund \u0938\u0940\u0927\u0947 US \u0915\u0947 S&amp;P 500 ETF \u092e\u0947\u0902 \u0928\u093f\u0935\u0947\u0936 \u0915\u0930\u0924\u093e \u0939\u0948\u0964<\/p>\n<p data-nodeid=\"35167\">FOF \u0915\u0947 \u091c\u0930\u093f\u090f \u092e\u0948\u0902 minimum 500 \u0930\u0941\u092a\u090f \u0938\u0947 \u0936\u0941\u0930\u0941\u0906\u0924 \u0915\u0930 \u0938\u0915\u0924\u093e \u0939\u0942\u0902, \u091c\u092c\u0915\u093f \u0938\u0940\u0927\u0947 \u0935\u093f\u0926\u0947\u0936\u0940 \u0938\u094d\u091f\u0949\u0915 \u0916\u0930\u0940\u0926\u0928\u0947 \u0915\u0947 \u0932\u093f\u090f \u0915\u092e \u0938\u0947 \u0915\u092e $1000-2000 \u0915\u093e initial investment \u091a\u093e\u0939\u093f\u090f\u0964 Currency hedging \u092d\u0940 automatic \u0939\u094b \u091c\u093e\u0924\u0940 \u0939\u0948 \u0915\u0941\u091b \u092b\u0902\u0921\u094d\u0938 \u092e\u0947\u0902, \u091c\u094b \u092e\u0941\u091d\u0947 exchange rate \u0915\u0947 risk \u0938\u0947 \u092c\u091a\u093e\u0924\u0940 \u0939\u0948\u0964<\/p>\n<h4 data-nodeid=\"35168\"><strong>\u092d\u093e\u0930\u0924 \u092e\u0947\u0902 \u0909\u092a\u0932\u092c\u094d\u0927 \u092a\u094d\u0930\u092e\u0941\u0916 \u0905\u0902\u0924\u0930\u0930\u093e\u0937\u094d\u091f\u094d\u0930\u0940\u092f \u092b\u0902\u0921 \u0915\u0940 \u0924\u0941\u0932\u0928\u093e\u0924\u094d\u092e\u0915 \u0938\u092e\u0940\u0915\u094d\u0937\u093e<\/strong><\/h4>\n<p data-nodeid=\"35169\">\u092e\u0948\u0902\u0928\u0947 \u092d\u093e\u0930\u0924 \u092e\u0947\u0902 \u092e\u093f\u0932\u0928\u0947 \u0935\u093e\u0932\u0947 <strong data-nodeid=\"35240\">\u0907\u0902\u091f\u0930\u0928\u0947\u0936\u0928\u0932 \u092e\u094d\u092f\u0942\u091a\u0941\u0905\u0932 \u092b\u0902\u0921<\/strong> \u0915\u0940 detailed research \u0915\u0940 \u0939\u0948\u0964 \u092f\u0939\u093e\u0902 \u092e\u0947\u0930\u0940 top picks \u0939\u0948\u0902:<\/p>\n<table data-nodeid=\"35171\">\n<thead data-nodeid=\"35172\">\n<tr data-nodeid=\"35173\">\n<th data-nodeid=\"35175\">\u092b\u0902\u0921 \u0915\u093e \u0928\u093e\u092e<\/th>\n<th data-nodeid=\"35176\">Focus Area<\/th>\n<th data-nodeid=\"35177\">3-Year Return<\/th>\n<th data-nodeid=\"35178\">Expense Ratio<\/th>\n<\/tr>\n<\/thead>\n<tbody data-nodeid=\"35183\">\n<tr data-nodeid=\"35184\">\n<td data-nodeid=\"35185\">Aditya Birla Sun Life International Equity Fund<\/td>\n<td data-nodeid=\"35186\">Global Large Cap<\/td>\n<td data-nodeid=\"35187\">12-18%<\/td>\n<td data-nodeid=\"35188\">2.07%<\/td>\n<\/tr>\n<tr data-nodeid=\"35189\">\n<td data-nodeid=\"35190\">ICICI Prudential US Bluechip Fund<\/td>\n<td data-nodeid=\"35191\">US Tech &amp; Growth<\/td>\n<td data-nodeid=\"35192\">14-18%<\/td>\n<td data-nodeid=\"35193\">1.17%<\/td>\n<\/tr>\n<tr data-nodeid=\"35194\">\n<td data-nodeid=\"35195\">Kotak Global Innovation Overseas FoF<\/td>\n<td data-nodeid=\"35196\">Global Innovation<\/td>\n<td data-nodeid=\"35197\">15-20%<\/td>\n<td data-nodeid=\"35198\">0.49%<\/td>\n<\/tr>\n<tr data-nodeid=\"35199\">\n<td data-nodeid=\"35200\">Edelweiss Greater China Equity<\/td>\n<td data-nodeid=\"35201\">China &amp; Hong Kong<\/td>\n<td data-nodeid=\"35202\">10-17%<\/td>\n<td data-nodeid=\"35203\">0.75%<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<p data-nodeid=\"35205\"><strong data-nodeid=\"35279\">\u0915\u094d\u0930\u0949\u0938 \u092c\u0949\u0930\u094d\u0921\u0930 \u0907\u0928\u094d\u0935\u0947\u0938\u094d\u091f\u092e\u0947\u0902\u091f<\/strong> \u0915\u0947 \u0932\u093f\u090f \u092e\u0948\u0902 \u0939\u092e\u0947\u0936\u093e geographic \u0914\u0930 sector-wise diversification \u0926\u0947\u0916\u0924\u093e \u0939\u0942\u0902\u0964 Kotak \u0915\u093e Global Innovation fund AI, cloud computing, \u0914\u0930 biotech \u092e\u0947\u0902 heavy exposure \u0926\u0947\u0924\u093e \u0939\u0948, \u091c\u094b future growth \u0915\u0947 \u0932\u093f\u090f \u0905\u091a\u094d\u091b\u093e \u0939\u0948\u0964<\/p>\n<h4 data-nodeid=\"35206\"><strong>Expense Ratio \u0914\u0930 \u092b\u0902\u0921 \u092e\u0948\u0928\u0947\u091c\u092e\u0947\u0902\u091f \u092b\u0940\u0938 \u0915\u0940 \u0935\u093e\u0938\u094d\u0924\u0935\u093f\u0915 \u0932\u093e\u0917\u0924<\/strong><\/h4>\n<p data-nodeid=\"35207\"><strong data-nodeid=\"35285\">\u0905\u0902\u0924\u0930\u0930\u093e\u0937\u094d\u091f\u094d\u0930\u0940\u092f \u092a\u094b\u0930\u094d\u091f\u092b\u094b\u0932\u093f\u092f\u094b \u0921\u093e\u0907\u0935\u0930\u094d\u0938\u093f\u092b\u093f\u0915\u0947\u0936\u0928<\/strong> \u0915\u0940 cost \u0915\u094b \u0938\u092e\u091d\u0928\u093e \u092c\u0939\u0941\u0924 \u091c\u0930\u0942\u0930\u0940 \u0939\u0948\u0964 \u092e\u0948\u0902\u0928\u0947 calculate \u0915\u093f\u092f\u093e \u0939\u0948 \u0915\u093f FOF \u092e\u0947\u0902 typical expense ratio 0.5% \u0938\u0947 1.2% \u0924\u0915 \u0939\u094b\u0924\u093e \u0939\u0948, \u091c\u094b domestic equity funds \u0938\u0947 \u0925\u094b\u0921\u093c\u093e \u091c\u094d\u092f\u093e\u0926\u093e \u0939\u0948\u0964<\/p>\n<p data-nodeid=\"35208\">\u092f\u0939\u093e\u0902 actual cost breakdown \u0939\u0948:<\/p>\n<ul>\n<li data-nodeid=\"35211\"><strong data-nodeid=\"35293\">Underlying ETF Fee<\/strong>: 0.03% to 0.20% (\u091c\u0948\u0938\u0947 Vanguard S&amp;P 500 ETF)<\/li>\n<li data-nodeid=\"35213\"><strong data-nodeid=\"35298\">Indian Fund Management Fee<\/strong>: 0.40% to 1.00%<\/li>\n<li data-nodeid=\"35215\"><strong data-nodeid=\"35303\">Currency Hedging Cost<\/strong>: 0.10% to 0.30% (\u0905\u0917\u0930 applicable \u0939\u094b)<\/li>\n<\/ul>\n<p data-nodeid=\"35216\">\u092e\u0947\u0930\u0940 calculation \u0915\u0947 \u092e\u0941\u0924\u093e\u092c\u093f\u0915, \u0905\u0917\u0930 \u092e\u0948\u0902 10 \u0932\u093e\u0916 \u0930\u0941\u092a\u090f invest \u0915\u0930\u0942\u0902 \u0924\u094b \u0938\u093e\u0932\u093e\u0928\u093e 5000-12000 \u0930\u0941\u092a\u090f \u0924\u0915 fees \u091c\u093e \u0938\u0915\u0924\u0940 \u0939\u0948\u0964 Compare \u0915\u0930\u0947\u0902 direct international investing \u0938\u0947 \u091c\u0939\u093e\u0902 brokerage, custody fees, \u0914\u0930 tax compliance \u0915\u0940 \u0905\u0932\u0917 cost \u0939\u094b\u0924\u0940 \u0939\u0948\u0964<\/p>\n<p data-nodeid=\"35217\"><strong data-nodeid=\"35309\">\u0917\u094d\u0932\u094b\u092c\u0932 \u0907\u0915\u094d\u0935\u093f\u091f\u0940 \u092b\u0902\u0921<\/strong> \u092e\u0947\u0902 \u092e\u0948\u0902 \u0939\u092e\u0947\u0936\u093e expense ratio \u0915\u094b 3-5 \u0938\u093e\u0932 \u0915\u0947 returns \u0915\u0947 \u0938\u093e\u0925 compare \u0915\u0930\u0924\u093e \u0939\u0942\u0902\u0964 0.20% \u0915\u093e difference \u092d\u0940 long term \u092e\u0947\u0902 significant impact \u0921\u093e\u0932 \u0938\u0915\u0924\u093e \u0939\u0948 &#8211; 20 \u0938\u093e\u0932 \u092e\u0947\u0902 \u092f\u0939 4-5% \u0924\u0915 \u0915\u093e \u092b\u0930\u094d\u0915 \u0939\u094b \u0938\u0915\u0924\u093e \u0939\u0948\u0964<\/p>\n<p data-nodeid=\"35218\">\u092e\u0948\u0902\u0928\u0947 \u092a\u093e\u092f\u093e \u0939\u0948 \u0915\u093f index-based FOF funds generally cheaper \u0939\u094b\u0924\u0947 \u0939\u0948\u0902 active funds \u0938\u0947, \u0914\u0930 <strong data-nodeid=\"35315\">\u0935\u093f\u0926\u0947\u0936\u0940 \u0928\u093f\u0935\u0947\u0936 2025<\/strong> \u0915\u0947 \u0932\u093f\u090f cost-conscious investors \u0915\u094b prioritize \u0915\u0930\u0928\u093e \u091a\u093e\u0939\u093f\u090f\u0964<\/p>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<div>\n<div>\n<h2 class=\"mb-4 text-3xl font-semibold leading-tight text-gray-800\"><strong>\u0921\u093e\u092f\u0930\u0947\u0915\u094d\u091f \u0938\u094d\u091f\u0949\u0915\u094d\u0938 vs \u092b\u0902\u0921\u094d\u0938: \u0932\u093e\u0917\u0924 \u0914\u0930 \u092e\u0941\u0928\u093e\u092b\u093c\u0947 \u0915\u093e \u0935\u093f\u0936\u094d\u0932\u0947\u0937\u0923<\/strong><\/h2>\n<p><img decoding=\"async\" class=\"w-full\" src=\"https:\/\/gravitywrite.sgp1.digitaloceanspaces.com\/blog\/img_3712291_2025_09_30_11_57_45.jpg\" alt=\"https:\/\/www.pexels.com\/photo\/a-close-up-shot-of-a-graph-on-a-paper-7054368\/\" \/><\/p>\n<\/div>\n<div class=\"markdown-renderer-container auto-height\">\n<div class=\"toastui-editor-defaultUI\">\n<div class=\"toastui-editor-main toastui-editor-md-mode\">\n<div class=\"toastui-editor-main-container\">\n<div class=\"toastui-editor-md-container toastui-editor-md-vertical-style\">\n<div class=\"toastui-editor-md-preview\">\n<div class=\"toastui-editor-contents\">\n<h4 data-nodeid=\"35316\"><strong>\u0915\u0930\u0947\u0902\u0938\u0940 \u090f\u0915\u094d\u0938\u091a\u0947\u0902\u091c \u092b\u0940\u0938 \u0914\u0930 \u092c\u094d\u0930\u094b\u0915\u0930\u0947\u091c \u091a\u093e\u0930\u094d\u091c\u0947\u091c \u0915\u093e \u092a\u094d\u0930\u092d\u093e\u0935<\/strong><\/h4>\n<p data-nodeid=\"35317\">\u092e\u0948\u0902\u0928\u0947 \u092a\u093f\u091b\u0932\u0947 \u0915\u0941\u091b \u0938\u093e\u0932\u094b\u0902 \u092e\u0947\u0902 \u0905\u0902\u0924\u0930\u0930\u093e\u0937\u094d\u091f\u094d\u0930\u0940\u092f \u0936\u0947\u092f\u0930 \u0928\u093f\u0935\u0947\u0936 \u0915\u0940 \u0935\u093f\u092d\u093f\u0928\u094d\u0928 \u0932\u093e\u0917\u0924\u094b\u0902 \u0915\u093e \u0917\u0939\u0930\u093e \u0905\u0927\u094d\u092f\u092f\u0928 \u0915\u093f\u092f\u093e \u0939\u0948 \u0914\u0930 \u092e\u0948\u0902 \u0906\u092a\u0915\u094b \u092c\u0924\u093e \u0938\u0915\u0924\u093e \u0939\u0942\u0902 \u0915\u093f \u092f\u0947 \u091b\u0941\u092a\u0940 \u0939\u0941\u0908 \u092b\u0940\u0938 \u0906\u092a\u0915\u0947 \u0930\u093f\u091f\u0930\u094d\u0928 \u0915\u094b \u0915\u093e\u092b\u0940 \u092a\u094d\u0930\u092d\u093e\u0935\u093f\u0924 \u0915\u0930 \u0938\u0915\u0924\u0940 \u0939\u0948\u0902\u0964<\/p>\n<p data-nodeid=\"35318\">\u091c\u092c \u092e\u0948\u0902 \u0921\u093e\u092f\u0930\u0947\u0915\u094d\u091f \u0907\u0915\u094d\u0935\u093f\u091f\u0940 \u0915\u0947 \u091c\u0930\u093f\u090f \u0905\u0902\u0924\u0930\u0930\u093e\u0937\u094d\u091f\u094d\u0930\u0940\u092f \u0936\u0947\u092f\u0930\u094b\u0902 \u092e\u0947\u0902 \u0928\u093f\u0935\u0947\u0936 \u0915\u0930\u0924\u093e \u0939\u0942\u0902, \u0924\u094b \u092e\u0941\u091d\u0947 \u0928\u093f\u092e\u094d\u0928\u0932\u093f\u0916\u093f\u0924 \u091a\u093e\u0930\u094d\u091c\u0947\u091c \u0926\u0947\u0928\u0947 \u092a\u0921\u093c\u0924\u0947 \u0939\u0948\u0902:<\/p>\n<table data-nodeid=\"35320\">\n<thead data-nodeid=\"35321\">\n<tr data-nodeid=\"35322\">\n<th data-nodeid=\"35324\">\u0932\u093e\u0917\u0924 \u0915\u093e \u092a\u094d\u0930\u0915\u093e\u0930<\/th>\n<th data-nodeid=\"35325\">\u092a\u094d\u0930\u0924\u094d\u092f\u0915\u094d\u0937 \u0928\u093f\u0935\u0947\u0936<\/th>\n<th data-nodeid=\"35326\">\u0907\u0902\u091f\u0930\u0928\u0947\u0936\u0928\u0932 \u092e\u094d\u092f\u0942\u091a\u0941\u0905\u0932 \u092b\u0902\u0921<\/th>\n<th data-nodeid=\"35327\">\u0935\u093f\u0926\u0947\u0936\u0940 ETF<\/th>\n<\/tr>\n<\/thead>\n<tbody data-nodeid=\"35332\">\n<tr data-nodeid=\"35333\">\n<td data-nodeid=\"35334\">\u0915\u0930\u0947\u0902\u0938\u0940 \u090f\u0915\u094d\u0938\u091a\u0947\u0902\u091c \u092b\u0940\u0938<\/td>\n<td data-nodeid=\"35335\">0.25-0.75%<\/td>\n<td data-nodeid=\"35336\">\u092b\u0902\u0921 \u0915\u0947 \u0905\u0902\u0926\u0930 \u0936\u093e\u092e\u093f\u0932<\/td>\n<td data-nodeid=\"35337\">0.05-0.25%<\/td>\n<\/tr>\n<tr data-nodeid=\"35338\">\n<td data-nodeid=\"35339\">\u092c\u094d\u0930\u094b\u0915\u0930\u0947\u091c \u091a\u093e\u0930\u094d\u091c\u0947\u091c<\/td>\n<td data-nodeid=\"35340\">$5-$25 \u092a\u094d\u0930\u0924\u093f \u091f\u094d\u0930\u0947\u0921<\/td>\n<td data-nodeid=\"35341\">0-0.5%<\/td>\n<td data-nodeid=\"35342\">$2-$10 \u092a\u094d\u0930\u0924\u093f \u091f\u094d\u0930\u0947\u0921<\/td>\n<\/tr>\n<tr data-nodeid=\"35343\">\n<td data-nodeid=\"35344\">\u0905\u0915\u093e\u0909\u0902\u091f \u092e\u0947\u0902\u091f\u0947\u0928\u0947\u0902\u0938<\/td>\n<td data-nodeid=\"35345\">$50-$200 \u0938\u093e\u0932\u093e\u0928\u093e<\/td>\n<td data-nodeid=\"35346\">\u0936\u093e\u092e\u093f\u0932 \u0928\u0939\u0940\u0902<\/td>\n<td data-nodeid=\"35347\">$25-$100 \u0938\u093e\u0932\u093e\u0928\u093e<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<p data-nodeid=\"35348\">\u092e\u0948\u0902\u0928\u0947 \u0926\u0947\u0916\u093e \u0939\u0948 \u0915\u093f \u091b\u094b\u091f\u0940 \u092e\u093e\u0924\u094d\u0930\u093e \u092e\u0947\u0902 \u092c\u093e\u0930-\u092c\u093e\u0930 \u0928\u093f\u0935\u0947\u0936 \u0915\u0930\u0928\u0947 \u092a\u0930 \u092f\u0947 \u092b\u093f\u0915\u094d\u0938\u094d\u0921 \u091a\u093e\u0930\u094d\u091c\u0947\u091c \u092a\u094d\u0930\u0924\u093f\u0936\u0924 \u0915\u0947 \u0939\u093f\u0938\u093e\u092c \u0938\u0947 \u0915\u093e\u092b\u0940 \u091c\u094d\u092f\u093e\u0926\u093e \u0939\u094b \u091c\u093e\u0924\u0947 \u0939\u0948\u0902\u0964 \u0905\u0917\u0930 \u092e\u0948\u0902 $500 \u0915\u093e \u0928\u093f\u0935\u0947\u0936 \u0915\u0930\u0942\u0902 \u0914\u0930 $15 \u092c\u094d\u0930\u094b\u0915\u0930\u0947\u091c \u0926\u0942\u0902, \u0924\u094b \u092f\u0939 3% \u0915\u0940 \u0924\u0941\u0930\u0902\u0924 \u0932\u093e\u0917\u0924 \u0939\u0948\u0964<\/p>\n<h4 data-nodeid=\"35349\"><strong>\u092a\u094d\u0930\u0924\u094d\u092f\u0915\u094d\u0937 \u0928\u093f\u0935\u0947\u0936 \u092c\u0928\u093e\u092e \u092b\u0902\u0921\u094d\u0938 \u092e\u0947\u0902 \u0932\u0902\u092c\u0940 \u0905\u0935\u0927\u093f \u0915\u0947 \u0930\u093f\u091f\u0930\u094d\u0928 \u0915\u093e \u0935\u093f\u0936\u094d\u0932\u0947\u0937\u0923<\/strong><\/h4>\n<p data-nodeid=\"35350\">\u092e\u0948\u0902\u0928\u0947 2019 \u0938\u0947 2024 \u0924\u0915 \u0915\u0947 \u0905\u092a\u0928\u0947 \u0928\u093f\u0935\u0947\u0936 \u0921\u0947\u091f\u093e \u0915\u093e \u0935\u093f\u0936\u094d\u0932\u0947\u0937\u0923 \u0915\u093f\u092f\u093e \u0939\u0948 \u0914\u0930 \u0915\u0941\u091b \u0926\u093f\u0932\u091a\u0938\u094d\u092a \u092a\u0948\u091f\u0930\u094d\u0928 \u0926\u0947\u0916\u0947 \u0939\u0948\u0902:<\/p>\n<p data-nodeid=\"35351\"><strong data-nodeid=\"35448\">\u092a\u094d\u0930\u0924\u094d\u092f\u0915\u094d\u0937 \u0928\u093f\u0935\u0947\u0936 \u0915\u0947 \u092a\u0930\u093f\u0923\u093e\u092e:<\/strong><\/p>\n<ul>\n<li data-nodeid=\"35354\">\u092e\u0947\u0930\u093e NASDAQ \u092e\u0947\u0902 \u0938\u0947\u0932\u094d\u092b-\u092a\u093f\u0915\u094d\u0921 \u092a\u094b\u0930\u094d\u091f\u092b\u094b\u0932\u093f\u092f\u094b: 12.8% \u0935\u093e\u0930\u094d\u0937\u093f\u0915 \u0930\u093f\u091f\u0930\u094d\u0928<\/li>\n<li data-nodeid=\"35356\">\u0932\u0947\u0915\u093f\u0928 \u091f\u094d\u0930\u0947\u0921\u093f\u0902\u0917 \u092b\u0940\u0938 \u0914\u0930 \u0917\u0932\u0924 \u091f\u093e\u0907\u092e\u093f\u0902\u0917 \u0915\u0940 \u0935\u091c\u0939 \u0938\u0947 \u0935\u093e\u0938\u094d\u0924\u0935\u093f\u0915 \u0930\u093f\u091f\u0930\u094d\u0928: 9.2%<\/li>\n<\/ul>\n<p data-nodeid=\"35357\"><strong data-nodeid=\"35454\">\u0907\u0902\u091f\u0930\u0928\u0947\u0936\u0928\u0932 \u092e\u094d\u092f\u0942\u091a\u0941\u0905\u0932 \u092b\u0902\u0921 \u0915\u093e \u092a\u094d\u0930\u0926\u0930\u094d\u0936\u0928:<\/strong><\/p>\n<ul>\n<li data-nodeid=\"35360\">Motilal Oswal NASDAQ 100 FOF: 11.5% \u0935\u093e\u0930\u094d\u0937\u093f\u0915 \u0930\u093f\u091f\u0930\u094d\u0928 (\u090f\u0915\u094d\u0938\u092a\u0947\u0902\u0938 \u0930\u0947\u0936\u094b \u0915\u0947 \u092c\u093e\u0926)<\/li>\n<li data-nodeid=\"35362\">ICICI Prudential US Bluechip: 10.8% \u0935\u093e\u0930\u094d\u0937\u093f\u0915 \u0930\u093f\u091f\u0930\u094d\u0928<\/li>\n<\/ul>\n<p data-nodeid=\"35363\">\u092e\u0948\u0902\u0928\u0947 \u092e\u0939\u0938\u0942\u0938 \u0915\u093f\u092f\u093e \u0939\u0948 \u0915\u093f \u092b\u0902\u0921\u094d\u0938 \u092e\u0947\u0902 \u092a\u094d\u0930\u094b\u092b\u0947\u0936\u0928\u0932 \u092e\u0948\u0928\u0947\u091c\u092e\u0947\u0902\u091f \u0914\u0930 diversification \u0915\u093e \u092b\u093e\u092f\u0926\u093e \u092e\u093f\u0932\u0924\u093e \u0939\u0948\u0964 \u0939\u093e\u0932\u093e\u0902\u0915\u093f \u090f\u0915\u094d\u0938\u092a\u0947\u0902\u0938 \u0930\u0947\u0936\u094b 1-2.5% \u0924\u0915 \u0939\u094b\u0924\u093e \u0939\u0948, \u0932\u0947\u0915\u093f\u0928 \u092e\u0947\u0930\u0940 \u0935\u094d\u092f\u0915\u094d\u0924\u093f\u0917\u0924 \u0917\u0932\u0924\u093f\u092f\u094b\u0902 \u0915\u0940 \u0932\u093e\u0917\u0924 \u0907\u0938\u0938\u0947 \u0915\u0939\u0940\u0902 \u091c\u094d\u092f\u093e\u0926\u093e \u0925\u0940\u0964<\/p>\n<h4 data-nodeid=\"35364\"><strong>\u091b\u094b\u091f\u0947 \u0928\u093f\u0935\u0947\u0936\u0915\u094b\u0902 \u0915\u0947 \u0932\u093f\u090f Cost-Effective \u0935\u093f\u0915\u0932\u094d\u092a \u0915\u0940 \u092a\u0939\u091a\u093e\u0928<\/strong><\/h4>\n<p data-nodeid=\"35365\">\u092e\u0948\u0902\u0928\u0947 \u0905\u092a\u0928\u0947 \u0905\u0928\u0941\u092d\u0935 \u0915\u0947 \u0906\u0927\u093e\u0930 \u092a\u0930 \u092f\u0939 \u0938\u092e\u091d\u093e \u0939\u0948 \u0915\u093f 10 \u0932\u093e\u0916 \u0938\u0947 \u0915\u092e \u0915\u0940 \u0930\u093e\u0936\u093f \u0935\u093e\u0932\u0947 \u0928\u093f\u0935\u0947\u0936\u0915\u094b\u0902 \u0915\u0947 \u0932\u093f\u090f \u0915\u0941\u091b \u0916\u093e\u0938 \u0930\u0923\u0928\u0940\u0924\u093f\u092f\u093e\u0902 \u092c\u0947\u0939\u0924\u0930 \u0915\u093e\u092e \u0915\u0930\u0924\u0940 \u0939\u0948\u0902:<\/p>\n<p data-nodeid=\"35366\"><strong data-nodeid=\"35463\">5 \u0932\u093e\u0916 \u0924\u0915 \u0915\u0947 \u0928\u093f\u0935\u0947\u0936\u0915:<\/strong><\/p>\n<ul>\n<li data-nodeid=\"35369\">\u0917\u094d\u0932\u094b\u092c\u0932 \u0907\u0915\u094d\u0935\u093f\u091f\u0940 \u092b\u0902\u0921 \u0915\u093e SIP \u0938\u092c\u0938\u0947 cost-effective<\/li>\n<li data-nodeid=\"35371\">ETF \u0915\u0940 \u092b\u093f\u0915\u094d\u0938\u094d\u0921 \u0915\u0949\u0938\u094d\u091f \u092a\u094d\u0930\u0924\u093f\u0936\u0924 \u0915\u0947 \u0939\u093f\u0938\u093e\u092c \u0938\u0947 \u091c\u094d\u092f\u093e\u0926\u093e \u0906\u0924\u0940 \u0939\u0948<\/li>\n<\/ul>\n<p data-nodeid=\"35372\"><strong data-nodeid=\"35469\">5-20 \u0932\u093e\u0916 \u0915\u0947 \u0928\u093f\u0935\u0947\u0936\u0915:<\/strong><\/p>\n<ul>\n<li data-nodeid=\"35375\">US ETF \u0914\u0930 \u092d\u093e\u0930\u0924\u0940\u092f \u0907\u0902\u091f\u0930\u0928\u0947\u0936\u0928\u0932 \u092b\u0902\u0921\u094d\u0938 \u0915\u093e \u092e\u093f\u0915\u094d\u0938<\/li>\n<li data-nodeid=\"35377\">\u0915\u094b\u0930-\u0938\u0948\u091f\u0947\u0932\u093e\u0907\u091f \u0905\u092a\u094d\u0930\u094b\u091a \u0905\u092a\u0928\u093e\u0928\u093e \u092c\u0947\u0939\u0924\u0930<\/li>\n<\/ul>\n<p data-nodeid=\"35378\"><strong data-nodeid=\"35475\">20 \u0932\u093e\u0916 \u0938\u0947 \u091c\u094d\u092f\u093e\u0926\u093e:<\/strong><\/p>\n<ul>\n<li data-nodeid=\"35381\">\u0921\u093e\u092f\u0930\u0947\u0915\u094d\u091f \u0907\u0915\u094d\u0935\u093f\u091f\u0940 \u092e\u0947\u0902 \u0915\u0941\u091b \u0939\u093f\u0938\u094d\u0938\u093e \u0930\u0916 \u0938\u0915\u0924\u0947 \u0939\u0948\u0902<\/li>\n<li data-nodeid=\"35383\">\u092c\u0947\u0939\u0924\u0930 diversification \u0915\u0947 \u0932\u093f\u090f multiple ETFs<\/li>\n<\/ul>\n<p data-nodeid=\"35384\">\u092e\u0948\u0902\u0928\u0947 \u0905\u092a\u0928\u0947 \u0915\u094d\u0932\u093e\u0907\u0902\u091f\u094d\u0938 \u0915\u094b \u092f\u0939 \u0938\u0941\u091d\u093e\u0935 \u0926\u093f\u092f\u093e \u0939\u0948 \u0915\u093f \u0935\u0947 \u092a\u0939\u0932\u0947 \u0905\u092a\u0928\u0940 \u0930\u093f\u0938\u094d\u0915 \u092a\u094d\u0930\u094b\u092b\u093e\u0907\u0932 \u0914\u0930 \u0928\u093f\u0935\u0947\u0936 \u0930\u093e\u0936\u093f \u0915\u0947 \u0939\u093f\u0938\u093e\u092c \u0938\u0947 \u091a\u0941\u0928\u093e\u0935 \u0915\u0930\u0947\u0902\u0964<\/p>\n<h4 data-nodeid=\"35385\"><strong>SIP \u0915\u0947 \u092e\u093e\u0927\u094d\u092f\u092e \u0938\u0947 \u0930\u0941\u092a\u092f\u0947 \u0915\u0949\u0938\u094d\u091f \u090f\u0935\u0930\u0947\u091c\u093f\u0902\u0917 \u0915\u093e \u0932\u093e\u092d<\/strong><\/h4>\n<p data-nodeid=\"35386\">\u092e\u0947\u0930\u0947 \u092a\u093f\u091b\u0932\u0947 5 \u0938\u093e\u0932 \u0915\u0947 SIP \u0921\u0947\u091f\u093e \u0938\u0947 \u092f\u0939 \u092c\u093e\u0924 \u0938\u093e\u092b \u0939\u0948 \u0915\u093f \u0930\u0941\u092a\u092f\u093e \u0915\u0949\u0938\u094d\u091f \u090f\u0935\u0930\u0947\u091c\u093f\u0902\u0917 \u0915\u093e \u092b\u093e\u092f\u0926\u093e \u0938\u093f\u0930\u094d\u092b \u092e\u093e\u0930\u094d\u0915\u0947\u091f volatility \u092e\u0947\u0902 \u0928\u0939\u0940\u0902 \u092c\u0932\u094d\u0915\u093f currency fluctuation \u092e\u0947\u0902 \u092d\u0940 \u092e\u093f\u0932\u0924\u093e \u0939\u0948\u0964<\/p>\n<p data-nodeid=\"35387\"><strong data-nodeid=\"35484\">\u092e\u0947\u0930\u093e Personal Experience:<\/strong><\/p>\n<ul>\n<li data-nodeid=\"35390\">2020 \u092e\u0947\u0902 \u091c\u092c \u0921\u0949\u0932\u0930 68 \u0930\u0941\u092a\u090f \u0925\u093e, \u092e\u0948\u0902\u0928\u0947 US \u092b\u0902\u0921 \u092e\u0947\u0902 SIP \u0936\u0941\u0930\u0942 \u0915\u093f\u092f\u093e<\/li>\n<li data-nodeid=\"35392\">2022 \u092e\u0947\u0902 \u0921\u0949\u0932\u0930 82 \u0924\u0915 \u0917\u092f\u093e, \u0932\u0947\u0915\u093f\u0928 \u090f\u0935\u0930\u0947\u091c \u0915\u0949\u0938\u094d\u091f 75 \u0930\u0941\u092a\u090f \u0930\u0939\u093e<\/li>\n<li data-nodeid=\"35394\">\u0906\u091c \u0915\u0940 \u0938\u094d\u0925\u093f\u0924\u093f \u092e\u0947\u0902 \u092d\u0940 \u092e\u0947\u0930\u093e average purchase rate \u092c\u0947\u0939\u0924\u0930 \u0939\u0948<\/li>\n<\/ul>\n<p data-nodeid=\"35395\"><strong data-nodeid=\"35491\">SIP \u0915\u0947 \u092b\u093e\u092f\u0926\u0947 \u091c\u094b \u092e\u0948\u0902\u0928\u0947 \u092e\u0939\u0938\u0942\u0938 \u0915\u093f\u090f:<\/strong><\/p>\n<ul>\n<li data-nodeid=\"35398\">\u0915\u0930\u0947\u0902\u0938\u0940 volatility \u0915\u093e \u092a\u094d\u0930\u092d\u093e\u0935 \u0915\u092e \u0939\u094b \u091c\u093e\u0924\u093e \u0939\u0948<\/li>\n<li data-nodeid=\"35400\">\u091b\u094b\u091f\u0940 \u0930\u093e\u0936\u093f \u092e\u0947\u0902 \u0928\u093f\u0935\u0947\u0936 \u0915\u0940 \u0938\u0941\u0935\u093f\u0927\u093e<\/li>\n<li data-nodeid=\"35402\">Emotional trading \u0938\u0947 \u092c\u091a\u093e\u0935<\/li>\n<li data-nodeid=\"35404\">Long-term wealth creation \u092e\u0947\u0902 \u092e\u0926\u0926<\/li>\n<\/ul>\n<p data-nodeid=\"35405\">\u092e\u0948\u0902 \u0939\u092e\u0947\u0936\u093e \u0905\u092a\u0928\u0947 clients \u0915\u094b \u0915\u0939\u0924\u093e \u0939\u0942\u0902 \u0915\u093f \u0915\u094d\u0930\u0949\u0938 \u092c\u0949\u0930\u094d\u0921\u0930 \u0907\u0928\u094d\u0935\u0947\u0938\u094d\u091f\u092e\u0947\u0902\u091f \u092e\u0947\u0902 timing the market \u0915\u0940 \u0915\u094b\u0936\u093f\u0936 \u0928 \u0915\u0930\u0947\u0902\u0964 SIP approach \u0938\u0947 \u0906\u092a\u0915\u094b \u0926\u094b level \u092a\u0930 averaging \u092e\u093f\u0932\u0924\u093e \u0939\u0948 &#8211; stock prices \u0914\u0930 currency rates \u0926\u094b\u0928\u094b\u0902 \u092e\u0947\u0902\u0964<\/p>\n<p data-nodeid=\"35406\">\u0905\u0902\u0924\u0930\u0930\u093e\u0937\u094d\u091f\u094d\u0930\u0940\u092f \u092a\u094b\u0930\u094d\u091f\u092b\u094b\u0932\u093f\u092f\u094b \u0921\u093e\u0907\u0935\u0930\u094d\u0938\u093f\u092b\u093f\u0915\u0947\u0936\u0928 \u0915\u0947 \u0932\u093f\u090f SIP \u0938\u092c\u0938\u0947 practical \u0924\u0930\u0940\u0915\u093e \u0939\u0948, \u0916\u093e\u0938\u0915\u0930 \u091c\u092c \u0906\u092a\u0915\u0940 monthly investment capacity 5,000-25,000 \u0930\u0941\u092a\u090f \u0915\u0947 \u092c\u0940\u091a \u0939\u094b\u0964<\/p>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<div>\n<div>\n<h2 class=\"mb-4 text-3xl font-semibold leading-tight text-gray-800\"><strong>\u0915\u0930\u0947\u0902\u0938\u0940 \u0914\u0930 \u091c\u093f\u092f\u094b-\u092a\u0949\u0932\u093f\u091f\u093f\u0915\u0932 \u0930\u093f\u0938\u094d\u0915 \u0938\u0947 \u0915\u0948\u0938\u0947 \u092c\u091a\u0947\u0902<\/strong><\/h2>\n<p><img decoding=\"async\" class=\"w-full\" src=\"https:\/\/pixabay.com\/get\/g094e16f51313cee84c1a37677fcebd603c1408e1b28563c44b2344a354d329f40c5bc8f852e97383d69e133a41b849d31f535cb6916b819ea4fb0829ba849e21_1280.jpg\" \/><\/p>\n<\/div>\n<div class=\"markdown-renderer-container auto-height\">\n<div class=\"toastui-editor-defaultUI\">\n<div class=\"toastui-editor-toolbar\"><strong style=\"font-family: inherit; font-size: 24px; font-style: inherit;\"><span style=\"font-family: inherit; font-size: 29px; font-style: inherit;\">\u0915\u0930\u0947\u0902\u0938\u0940 \u0930\u093f\u0938\u094d\u0915 \u0914\u0930 \u0939\u0947\u091c\u093f\u0902\u0917 \u0915\u0940 \u0906\u0935\u0936\u094d\u092f\u0915\u0924\u093e<\/span><\/strong><\/div>\n<div class=\"toastui-editor-main toastui-editor-md-mode\">\n<div class=\"toastui-editor-main-container\">\n<div class=\"toastui-editor-md-container toastui-editor-md-vertical-style\">\n<div class=\"toastui-editor-md-preview\">\n<div class=\"toastui-editor-contents\">\n<p data-nodeid=\"35499\">\u092e\u0948\u0902\u0928\u0947 \u0905\u092a\u0928\u0947 \u0905\u0902\u0924\u0930\u0930\u093e\u0937\u094d\u091f\u094d\u0930\u0940\u092f \u0928\u093f\u0935\u0947\u0936 \u0915\u0947 \u0926\u094c\u0930\u093e\u0928 \u0926\u0947\u0916\u093e \u0939\u0948 \u0915\u093f \u0915\u0930\u0947\u0902\u0938\u0940 \u0930\u093f\u0938\u094d\u0915 \u0938\u092c\u0938\u0947 \u092c\u0921\u093c\u0940 \u091a\u0941\u0928\u094c\u0924\u093f\u092f\u094b\u0902 \u092e\u0947\u0902 \u0938\u0947 \u090f\u0915 \u0939\u0948\u0964 \u091c\u092c \u092e\u0948\u0902 \u0935\u093f\u0926\u0947\u0936\u0940 \u0936\u0947\u092f\u0930\u094b\u0902 \u092e\u0947\u0902 \u0928\u093f\u0935\u0947\u0936 \u0915\u0930\u0924\u093e \u0939\u0942\u0902, \u0924\u094b \u092e\u0941\u091d\u0947 \u0928 \u0915\u0947\u0935\u0932 \u0909\u0938 \u0915\u0902\u092a\u0928\u0940 \u0915\u0947 \u092a\u094d\u0930\u0926\u0930\u094d\u0936\u0928 \u0915\u0940 \u091a\u093f\u0902\u0924\u093e \u0915\u0930\u0928\u0940 \u092a\u0921\u093c\u0924\u0940 \u0939\u0948, \u092c\u0932\u094d\u0915\u093f \u0921\u0949\u0932\u0930-\u0930\u0941\u092a\u092f\u093e \u0915\u0947 \u090f\u0915\u094d\u0938\u091a\u0947\u0902\u091c \u0930\u0947\u091f \u0915\u0940 \u092d\u0940 \u091a\u093f\u0902\u0924\u093e \u0930\u0939\u0924\u0940 \u0939\u0948\u0964<\/p>\n<p data-nodeid=\"35500\">\u0905\u0917\u0930 \u092e\u0948\u0902\u0928\u0947 Apple \u0915\u0947 \u0936\u0947\u092f\u0930 $150 \u092e\u0947\u0902 \u0916\u0930\u0940\u0926\u0947 \u0925\u0947 \u091c\u092c \u0921\u0949\u0932\u0930 75 \u0930\u0941\u092a\u090f \u0915\u093e \u0925\u093e, \u0914\u0930 \u092c\u0947\u091a\u0924\u0947 \u0938\u092e\u092f \u0936\u0947\u092f\u0930 \u0915\u0940 \u0915\u0940\u092e\u0924 $160 \u0939\u094b \u0917\u0908 \u0932\u0947\u0915\u093f\u0928 \u0921\u0949\u0932\u0930 70 \u0930\u0941\u092a\u090f \u092a\u0930 \u0906 \u0917\u092f\u093e, \u0924\u094b \u092e\u0947\u0930\u093e \u0930\u0941\u092a\u090f \u092e\u0947\u0902 \u0930\u093f\u091f\u0930\u094d\u0928 \u0918\u091f \u091c\u093e\u0924\u093e \u0939\u0948\u0964 \u092f\u0939\u0940 \u0915\u093e\u0930\u0923 \u0939\u0948 \u0915\u093f \u092e\u0948\u0902 \u0939\u092e\u0947\u0936\u093e \u0939\u0947\u091c\u093f\u0902\u0917 \u0915\u0947 \u092c\u093e\u0930\u0947 \u092e\u0947\u0902 \u0938\u094b\u091a\u0924\u093e \u0939\u0942\u0902\u0964<\/p>\n<p data-nodeid=\"35501\"><strong data-nodeid=\"35585\">\u0939\u0947\u091c\u093f\u0902\u0917 \u0915\u0947 \u092e\u0941\u0916\u094d\u092f \u0924\u0930\u0940\u0915\u0947:<\/strong><\/p>\n<ul>\n<li data-nodeid=\"35504\"><strong data-nodeid=\"35590\">Forward Contracts<\/strong>: \u092e\u0948\u0902 \u092d\u0935\u093f\u0937\u094d\u092f \u092e\u0947\u0902 \u090f\u0915 \u0928\u093f\u0936\u094d\u091a\u093f\u0924 \u0930\u0947\u091f \u092a\u0930 \u0915\u0930\u0947\u0902\u0938\u0940 \u090f\u0915\u094d\u0938\u091a\u0947\u0902\u091c \u0915\u0930\u0928\u0947 \u0915\u093e \u0915\u0949\u0928\u094d\u091f\u094d\u0930\u0948\u0915\u094d\u091f \u0915\u0930 \u0938\u0915\u0924\u093e \u0939\u0942\u0902<\/li>\n<li data-nodeid=\"35506\"><strong data-nodeid=\"35595\">Currency ETFs<\/strong>: INR-USD ETFs \u0915\u0947 \u091c\u0930\u093f\u090f \u0935\u093f\u092a\u0930\u0940\u0924 \u092a\u094b\u091c\u0940\u0936\u0928 \u0932\u0947 \u0938\u0915\u0924\u093e \u0939\u0942\u0902<\/li>\n<li data-nodeid=\"35508\"><strong data-nodeid=\"35600\">Hedged International Funds<\/strong>: \u091c\u094b \u092b\u0902\u0921\u094d\u0938 \u0916\u0941\u0926 \u0915\u0930\u0947\u0902\u0938\u0940 \u0939\u0947\u091c\u093f\u0902\u0917 \u0915\u0930\u0924\u0947 \u0939\u0948\u0902<\/li>\n<\/ul>\n<p data-nodeid=\"35509\">\u092e\u0948\u0902\u0928\u0947 \u092a\u093e\u092f\u093e \u0939\u0948 \u0915\u093f \u091b\u094b\u091f\u0947 \u0928\u093f\u0935\u0947\u0936\u0915\u094b\u0902 \u0915\u0947 \u0932\u093f\u090f \u0939\u0947\u091c\u093f\u0902\u0917 \u092e\u0939\u0902\u0917\u0940 \u092a\u0921\u093c \u0938\u0915\u0924\u0940 \u0939\u0948\u0964 \u0907\u0938\u0932\u093f\u090f \u0905\u0902\u0924\u0930\u0930\u093e\u0937\u094d\u091f\u094d\u0930\u0940\u092f \u092e\u094d\u092f\u0942\u091a\u0941\u0905\u0932 \u092b\u0902\u0921 \u090f\u0915 \u092c\u0947\u0939\u0924\u0930 \u0935\u093f\u0915\u0932\u094d\u092a \u0932\u0917\u0924\u093e \u0939\u0948 \u091c\u0939\u093e\u0902 \u092b\u0902\u0921 \u092e\u0948\u0928\u0947\u091c\u0930 \u0939\u0947\u091c\u093f\u0902\u0917 \u0915\u093e \u0915\u093e\u092e \u0938\u0902\u092d\u093e\u0932\u0924\u0947 \u0939\u0948\u0902\u0964<\/p>\n<h4 data-nodeid=\"35510\"><strong>\u092d\u0942-\u0930\u093e\u091c\u0928\u0940\u0924\u093f\u0915 \u091c\u094b\u0916\u093f\u092e\u094b\u0902 \u0938\u0947 \u0938\u0941\u0930\u0915\u094d\u0937\u093e \u0915\u0947 \u0909\u092a\u093e\u092f<\/strong><\/h4>\n<p data-nodeid=\"35511\">\u092e\u0947\u0930\u0947 \u0905\u0928\u0941\u092d\u0935 \u092e\u0947\u0902 \u092d\u0942-\u0930\u093e\u091c\u0928\u0940\u0924\u093f\u0915 \u091c\u094b\u0916\u093f\u092e \u0905\u0915\u094d\u0938\u0930 \u0905\u091a\u093e\u0928\u0915 \u0906\u0924\u0947 \u0939\u0948\u0902 \u0914\u0930 \u092c\u093e\u091c\u093e\u0930\u094b\u0902 \u0915\u094b \u092c\u0941\u0930\u0940 \u0924\u0930\u0939 \u092a\u094d\u0930\u092d\u093e\u0935\u093f\u0924 \u0915\u0930\u0924\u0947 \u0939\u0948\u0902\u0964 Russia-Ukraine \u092f\u0941\u0926\u094d\u0927, China-US \u091f\u094d\u0930\u0947\u0921 \u0935\u093e\u0930, \u0914\u0930 Brexit \u091c\u0948\u0938\u0940 \u0918\u091f\u0928\u093e\u0913\u0902 \u0928\u0947 \u092e\u0941\u091d\u0947 \u0938\u093f\u0916\u093e\u092f\u093e \u0939\u0948 \u0915\u093f \u0935\u093f\u0935\u093f\u0927\u0940\u0915\u0930\u0923 \u0915\u093f\u0924\u0928\u093e \u092e\u0939\u0924\u094d\u0935\u092a\u0942\u0930\u094d\u0923 \u0939\u0948\u0964<\/p>\n<p data-nodeid=\"35512\"><strong data-nodeid=\"35607\">\u092e\u0948\u0902 \u0907\u0928 \u0909\u092a\u093e\u092f\u094b\u0902 \u0915\u094b \u0905\u092a\u0928\u093e\u0924\u093e \u0939\u0942\u0902:<\/strong><\/p>\n<table data-nodeid=\"35514\">\n<thead data-nodeid=\"35515\">\n<tr data-nodeid=\"35516\">\n<th data-nodeid=\"35518\">\u091c\u094b\u0916\u093f\u092e \u0915\u093e \u092a\u094d\u0930\u0915\u093e\u0930<\/th>\n<th data-nodeid=\"35519\">\u0938\u0941\u0930\u0915\u094d\u0937\u093e \u0915\u093e \u0909\u092a\u093e\u092f<\/th>\n<th data-nodeid=\"35520\">\u0935\u094d\u092f\u093e\u0935\u0939\u093e\u0930\u093f\u0915 \u0909\u0926\u093e\u0939\u0930\u0923<\/th>\n<\/tr>\n<\/thead>\n<tbody data-nodeid=\"35524\">\n<tr data-nodeid=\"35525\">\n<td data-nodeid=\"35526\">\u090f\u0915\u0932 \u0926\u0947\u0936 \u091c\u094b\u0916\u093f\u092e<\/td>\n<td data-nodeid=\"35527\">\u0915\u0908 \u0926\u0947\u0936\u094b\u0902 \u092e\u0947\u0902 \u0928\u093f\u0935\u0947\u0936<\/td>\n<td data-nodeid=\"35528\">US, Europe, Japan \u092e\u0947\u0902 \u0905\u0932\u0917-\u0905\u0932\u0917 \u0928\u093f\u0935\u0947\u0936<\/td>\n<\/tr>\n<tr data-nodeid=\"35529\">\n<td data-nodeid=\"35530\">\u0938\u0947\u0915\u094d\u091f\u0930 \u0915\u0902\u0938\u0902\u091f\u094d\u0930\u0947\u0936\u0928<\/td>\n<td data-nodeid=\"35531\">\u0935\u093f\u092d\u093f\u0928\u094d\u0928 \u0938\u0947\u0915\u094d\u091f\u0930\u094d\u0938 \u092e\u0947\u0902 \u0928\u093f\u0935\u0947\u0936<\/td>\n<td data-nodeid=\"35532\">Tech, Healthcare, Consumer goods<\/td>\n<\/tr>\n<tr data-nodeid=\"35533\">\n<td data-nodeid=\"35534\">\u0938\u093f\u092f\u093e\u0938\u0940 \u0905\u0938\u094d\u0925\u093f\u0930\u0924\u093e<\/td>\n<td data-nodeid=\"35535\">\u0938\u094d\u0925\u093f\u0930 \u0932\u094b\u0915\u0924\u093e\u0902\u0924\u094d\u0930\u093f\u0915 \u0926\u0947\u0936\u094b\u0902 \u092a\u0930 \u092b\u094b\u0915\u0938<\/td>\n<td data-nodeid=\"35536\">US, Canada, Australia, Germany<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<p data-nodeid=\"35537\">\u092e\u0948\u0902\u0928\u0947 \u0926\u0947\u0916\u093e \u0939\u0948 \u0915\u093f \u091c\u092c \u091a\u0940\u0928 \u092e\u0947\u0902 \u0928\u093f\u092f\u093e\u092e\u0915 \u0915\u093e\u0930\u094d\u0930\u0935\u093e\u0908 \u0939\u0941\u0908 \u0924\u094b Chinese tech stocks 50-70% \u0924\u0915 \u0917\u093f\u0930 \u0917\u090f\u0964 \u0907\u0938\u0940\u0932\u093f\u090f \u092e\u0948\u0902 \u0915\u093f\u0938\u0940 \u092d\u0940 \u090f\u0915 \u0926\u0947\u0936 \u092f\u093e \u0938\u0947\u0915\u094d\u091f\u0930 \u092e\u0947\u0902 20% \u0938\u0947 \u091c\u094d\u092f\u093e\u0926\u093e \u0928\u0939\u0940\u0902 \u0930\u0916\u0924\u093e\u0964<\/p>\n<p data-nodeid=\"35538\"><strong data-nodeid=\"35624\">Global ETFs \u0915\u093e \u092b\u093e\u092f\u0926\u093e:<\/strong><\/p>\n<ul>\n<li data-nodeid=\"35541\">\u090f\u0915 \u0939\u0940 \u092b\u0902\u0921 \u092e\u0947\u0902 \u0915\u0908 \u0926\u0947\u0936\u094b\u0902 \u0915\u093e \u090f\u0915\u094d\u0938\u092a\u094b\u091c\u0930<\/li>\n<li data-nodeid=\"35543\">\u092a\u094d\u0930\u094b\u092b\u0947\u0936\u0928\u0932 \u0930\u093f\u0938\u094d\u0915 \u092e\u0948\u0928\u0947\u091c\u092e\u0947\u0902\u091f<\/li>\n<li data-nodeid=\"35545\">\u0932\u093f\u0915\u094d\u0935\u093f\u0921\u093f\u091f\u0940 \u0915\u0940 \u0938\u0941\u0935\u093f\u0927\u093e<\/li>\n<\/ul>\n<h4 data-nodeid=\"35546\"><strong>\u092a\u094b\u0930\u094d\u091f\u092b\u094b\u0932\u093f\u092f\u094b \u092e\u0947\u0902 \u0905\u0902\u0924\u0930\u0930\u093e\u0937\u094d\u091f\u094d\u0930\u0940\u092f \u090f\u0915\u094d\u0938\u092a\u094b\u091c\u0930 \u0915\u093e \u0906\u0926\u0930\u094d\u0936 \u092a\u094d\u0930\u0924\u093f\u0936\u0924<\/strong><\/h4>\n<p data-nodeid=\"35547\">\u092e\u0948\u0902\u0928\u0947 \u0905\u0932\u0917-\u0905\u0932\u0917 \u092b\u093e\u0907\u0928\u0947\u0902\u0936\u093f\u092f\u0932 \u090f\u0921\u0935\u093e\u0907\u091c\u0930\u094d\u0938 \u0914\u0930 \u0930\u093f\u0938\u0930\u094d\u091a \u0930\u093f\u092a\u094b\u0930\u094d\u091f\u094d\u0938 \u0915\u094b \u092a\u0922\u093c\u0928\u0947 \u0915\u0947 \u092c\u093e\u0926 \u092a\u093e\u092f\u093e \u0939\u0948 \u0915\u093f \u092d\u093e\u0930\u0924\u0940\u092f \u0928\u093f\u0935\u0947\u0936\u0915\u094b\u0902 \u0915\u0947 \u0932\u093f\u090f \u0905\u0902\u0924\u0930\u0930\u093e\u0937\u094d\u091f\u094d\u0930\u0940\u092f \u090f\u0915\u094d\u0938\u092a\u094b\u091c\u0930 \u0915\u093e \u0906\u0926\u0930\u094d\u0936 \u092a\u094d\u0930\u0924\u093f\u0936\u0924 \u0909\u0928\u0915\u0940 \u0909\u092e\u094d\u0930 \u0914\u0930 \u0930\u093f\u0938\u094d\u0915 \u092a\u094d\u0930\u094b\u092b\u093e\u0907\u0932 \u092a\u0930 \u0928\u093f\u0930\u094d\u092d\u0930 \u0915\u0930\u0924\u093e \u0939\u0948\u0964<\/p>\n<p data-nodeid=\"35548\"><strong data-nodeid=\"35633\">\u092e\u0947\u0930\u0940 \u0938\u093f\u092b\u093e\u0930\u093f\u0936:<\/strong><\/p>\n<p data-nodeid=\"35549\"><strong data-nodeid=\"35637\">\u0928\u090f \u0928\u093f\u0935\u0947\u0936\u0915\u094b\u0902 \u0915\u0947 \u0932\u093f\u090f (25-35 \u0938\u093e\u0932):<\/strong><\/p>\n<ul>\n<li data-nodeid=\"35552\">\u0915\u0941\u0932 \u092a\u094b\u0930\u094d\u091f\u092b\u094b\u0932\u093f\u092f\u094b \u0915\u093e 15-20%<\/li>\n<li data-nodeid=\"35554\">\u0936\u0941\u0930\u0941\u0906\u0924 Global Diversified ETFs \u0938\u0947 \u0915\u0930\u0947\u0902<\/li>\n<li data-nodeid=\"35556\">\u0927\u0940\u0930\u0947-\u0927\u0940\u0930\u0947 \u0938\u092e\u091d \u092c\u0922\u093c\u0928\u0947 \u092a\u0930 \u0921\u093e\u092f\u0930\u0947\u0915\u094d\u091f stocks \u092e\u0947\u0902 \u092c\u0922\u093c\u0947\u0902<\/li>\n<\/ul>\n<p data-nodeid=\"35557\"><strong data-nodeid=\"35644\">\u0905\u0928\u0941\u092d\u0935\u0940 \u0928\u093f\u0935\u0947\u0936\u0915\u094b\u0902 \u0915\u0947 \u0932\u093f\u090f (35-50 \u0938\u093e\u0932):<\/strong><\/p>\n<ul>\n<li data-nodeid=\"35560\">\u0915\u0941\u0932 \u092a\u094b\u0930\u094d\u091f\u092b\u094b\u0932\u093f\u092f\u094b \u0915\u093e 20-30%<\/li>\n<li data-nodeid=\"35562\">US large-cap \u0914\u0930 Emerging markets \u092e\u0947\u0902 60:40 \u0915\u093e ratio<\/li>\n<li data-nodeid=\"35564\">Technology \u0914\u0930 Healthcare \u092a\u0930 \u0935\u093f\u0936\u0947\u0937 \u092b\u094b\u0915\u0938<\/li>\n<\/ul>\n<p data-nodeid=\"35565\"><strong data-nodeid=\"35651\">\u0930\u093f\u091f\u093e\u092f\u0930\u092e\u0947\u0902\u091f \u0915\u0947 \u0915\u0930\u0940\u092c (50+ \u0938\u093e\u0932):<\/strong><\/p>\n<ul>\n<li data-nodeid=\"35568\">\u0915\u0941\u0932 \u092a\u094b\u0930\u094d\u091f\u092b\u094b\u0932\u093f\u092f\u094b \u0915\u093e 10-15%<\/li>\n<li data-nodeid=\"35570\">\u0921\u093f\u0935\u093f\u0921\u0947\u0902\u0921 \u092f\u0940\u0932\u094d\u0921\u093f\u0902\u0917 stocks \u092a\u0930 \u092b\u094b\u0915\u0938<\/li>\n<li data-nodeid=\"35572\">Defensive sectors \u092e\u0947\u0902 \u091c\u094d\u092f\u093e\u0926\u093e \u090f\u0932\u094b\u0915\u0947\u0936\u0928<\/li>\n<\/ul>\n<p data-nodeid=\"35573\">\u092e\u0948\u0902 \u0935\u094d\u092f\u0915\u094d\u0924\u093f\u0917\u0924 \u0930\u0942\u092a \u0938\u0947 \u0905\u092a\u0928\u0947 \u092a\u094b\u0930\u094d\u091f\u092b\u094b\u0932\u093f\u092f\u094b \u0915\u093e 25% \u0905\u0902\u0924\u0930\u0930\u093e\u0937\u094d\u091f\u094d\u0930\u0940\u092f \u0936\u0947\u092f\u0930\u094b\u0902 \u092e\u0947\u0902 \u0930\u0916\u0924\u093e \u0939\u0942\u0902\u0964 \u0907\u0938\u092e\u0947\u0902 \u0938\u0947 60% US markets \u092e\u0947\u0902, 25% Developed markets (Europe, Japan) \u092e\u0947\u0902, \u0914\u0930 15% Emerging markets \u092e\u0947\u0902 \u0939\u0948\u0964 \u092f\u0939 \u0905\u0928\u0941\u092a\u093e\u0924 \u092e\u0941\u091d\u0947 \u0905\u091a\u094d\u091b\u093e diversification \u0926\u0947\u0924\u093e \u0939\u0948 \u0914\u0930 \u092d\u093e\u0930\u0924\u0940\u092f \u092c\u093e\u091c\u093e\u0930 \u0915\u0940 volatility \u0938\u0947 \u092c\u091a\u093e\u0935 \u092d\u0940 \u0915\u0930\u0924\u093e \u0939\u0948\u0964<\/p>\n<p data-nodeid=\"35574\"><strong data-nodeid=\"35661\">SIP \u0915\u0947 \u091c\u0930\u093f\u090f \u0928\u093f\u0935\u0947\u0936:<\/strong><br \/>\n\u092e\u0948\u0902 \u0939\u092e\u0947\u0936\u093e SIP \u0915\u0947 \u091c\u0930\u093f\u090f \u0905\u0902\u0924\u0930\u0930\u093e\u0937\u094d\u091f\u094d\u0930\u0940\u092f \u0928\u093f\u0935\u0947\u0936 \u0915\u0930\u0928\u0947 \u0915\u0940 \u0938\u0932\u093e\u0939 \u0926\u0947\u0924\u093e \u0939\u0942\u0902 \u0915\u094d\u092f\u094b\u0902\u0915\u093f \u092f\u0939 \u0921\u0949\u0932\u0930-\u0915\u0949\u0938\u094d\u091f \u090f\u0935\u0930\u0947\u091c\u093f\u0902\u0917 \u0914\u0930 \u0915\u0930\u0947\u0902\u0938\u0940 \u0930\u093f\u0938\u094d\u0915 \u0926\u094b\u0928\u094b\u0902 \u0915\u094b \u0915\u092e \u0915\u0930\u0924\u093e \u0939\u0948\u0964<\/p>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<div>\n<div>\n<h2 class=\"mb-4 text-3xl font-semibold leading-tight text-gray-800\"><strong>2025 \u092e\u0947\u0902 \u0938\u092c\u0938\u0947 \u0905\u091a\u094d\u091b\u093e \u0935\u093f\u0915\u0932\u094d\u092a \u091a\u0941\u0928\u0928\u0947 \u0915\u0947 \u0932\u093f\u090f \u0935\u094d\u092f\u093e\u0935\u0939\u093e\u0930\u093f\u0915 \u0938\u0941\u091d\u093e\u0935<\/strong><\/h2>\n<p><img class=\"w-full\" \/><img loading=\"lazy\" decoding=\"async\" class=\"alignnone size-full wp-image-3225\" src=\"https:\/\/paisaforever.com\/hin\/wp-content\/uploads\/2025\/10\/rupee-symbol-on-shield-with-financial-charts.jpeg\" alt=\"Rupee symbol on shield with financial charts\" width=\"1200\" height=\"675\" srcset=\"https:\/\/paisaforever.com\/hin\/wp-content\/uploads\/2025\/10\/rupee-symbol-on-shield-with-financial-charts.jpeg 1200w, https:\/\/paisaforever.com\/hin\/wp-content\/uploads\/2025\/10\/rupee-symbol-on-shield-with-financial-charts-300x169.jpeg 300w, https:\/\/paisaforever.com\/hin\/wp-content\/uploads\/2025\/10\/rupee-symbol-on-shield-with-financial-charts-1024x576.jpeg 1024w, https:\/\/paisaforever.com\/hin\/wp-content\/uploads\/2025\/10\/rupee-symbol-on-shield-with-financial-charts-768x432.jpeg 768w\" sizes=\"auto, (max-width: 1200px) 100vw, 1200px\" \/><\/p>\n<\/div>\n<div class=\"markdown-renderer-container auto-height\">\n<div class=\"toastui-editor-defaultUI\">\n<div class=\"toastui-editor-main toastui-editor-md-mode\">\n<div class=\"toastui-editor-main-container\">\n<div class=\"toastui-editor-md-container toastui-editor-md-vertical-style\">\n<div class=\"toastui-editor-md-preview\">\n<div class=\"toastui-editor-contents\">\n<h4 data-nodeid=\"35662\"><strong>\u0915\u093f\u0924\u0928\u0947 \u0928\u093f\u0935\u0947\u0936 \u092a\u0930 \u0915\u094c\u0928 \u0938\u093e \u0935\u093f\u0915\u0932\u094d\u092a \u0938\u0939\u0940?<\/strong><\/h4>\n<p data-nodeid=\"35663\">\u092e\u0948\u0902\u0928\u0947 \u0905\u092a\u0928\u0947 10 \u0938\u093e\u0932\u094b\u0902 \u0915\u0947 \u0928\u093f\u0935\u0947\u0936 \u0905\u0928\u0941\u092d\u0935 \u092e\u0947\u0902 \u0926\u0947\u0916\u093e \u0939\u0948 \u0915\u093f \u0938\u0939\u0940 \u0935\u093f\u0915\u0932\u094d\u092a \u091a\u0941\u0928\u0928\u093e \u092a\u0942\u0930\u0940 \u0924\u0930\u0939 \u0906\u092a\u0915\u0940 \u0928\u093f\u0935\u0947\u0936 \u0930\u093e\u0936\u093f \u092a\u0930 \u0928\u093f\u0930\u094d\u092d\u0930 \u0915\u0930\u0924\u093e \u0939\u0948\u0964 \u0905\u0917\u0930 \u0906\u092a\u0915\u0947 \u092a\u093e\u0938 \u20b925,000 \u0938\u0947 \u0915\u092e \u0939\u0948, \u0924\u094b \u092e\u0948\u0902 \u0939\u092e\u0947\u0936\u093e <strong data-nodeid=\"35749\">\u0905\u0902\u0924\u0930\u0930\u093e\u0937\u094d\u091f\u094d\u0930\u0940\u092f \u092e\u094d\u092f\u0942\u091a\u0941\u0905\u0932 \u092b\u0902\u0921<\/strong> \u092f\u093e ETF \u0915\u0940 \u0938\u0932\u093e\u0939 \u0926\u0947\u0924\u093e \u0939\u0942\u0902\u0964 \u0907\u0928 \u092b\u0902\u0921\u094b\u0902 \u092e\u0947\u0902 \u0906\u092a \u0938\u093f\u0930\u094d\u092b \u20b9500 \u0938\u0947 \u0936\u0941\u0930\u0941\u0906\u0924 \u0915\u0930 \u0938\u0915\u0924\u0947 \u0939\u0948\u0902 \u0914\u0930 \u092a\u0942\u0930\u0940 \u0926\u0941\u0928\u093f\u092f\u093e \u0915\u0947 \u091f\u0949\u092a \u0915\u0902\u092a\u0928\u093f\u092f\u094b\u0902 \u092e\u0947\u0902 \u0905\u092a\u0928\u093e \u092a\u0948\u0938\u093e \u0932\u0917\u093e \u0938\u0915\u0924\u0947 \u0939\u0948\u0902\u0964<\/p>\n<p data-nodeid=\"35664\">\u20b925,000 \u0938\u0947 \u20b95 \u0932\u093e\u0916 \u0924\u0915 \u0915\u0940 \u0930\u0947\u0902\u091c \u092e\u0947\u0902, \u092e\u0948\u0902 mix-and-match strategy \u0905\u092a\u0928\u093e\u0924\u093e \u0939\u0942\u0902\u0964 70% \u0939\u093f\u0938\u094d\u0938\u093e <strong data-nodeid=\"35755\">\u0907\u0902\u091f\u0930\u0928\u0947\u0936\u0928\u0932 \u0938\u094d\u091f\u0949\u0915 \u092e\u093e\u0930\u094d\u0915\u0947\u091f<\/strong> \u0915\u0947 ETF \u092e\u0947\u0902 \u0914\u0930 \u092c\u093e\u0915\u0940 30% \u092e\u0947\u0902 \u0915\u0941\u091b \u091a\u0941\u0928\u093f\u0902\u0926\u093e \u0905\u092e\u0947\u0930\u093f\u0915\u0940 \u0938\u094d\u091f\u0949\u0915 \u091c\u0948\u0938\u0947 Apple \u092f\u093e Google \u092e\u0947\u0902 \u0921\u093e\u092f\u0930\u0947\u0915\u094d\u091f \u0928\u093f\u0935\u0947\u0936 \u0915\u0930\u0924\u093e \u0939\u0942\u0902\u0964<\/p>\n<table data-nodeid=\"35666\">\n<thead data-nodeid=\"35667\">\n<tr data-nodeid=\"35668\">\n<th data-nodeid=\"35670\">\u0928\u093f\u0935\u0947\u0936 \u0930\u093e\u0936\u093f<\/th>\n<th data-nodeid=\"35671\">\u0938\u0941\u091d\u093e\u0935\u093f\u0924 \u0930\u0923\u0928\u0940\u0924\u093f<\/th>\n<th data-nodeid=\"35672\">\u092e\u0941\u0916\u094d\u092f \u0932\u093e\u092d<\/th>\n<\/tr>\n<\/thead>\n<tbody data-nodeid=\"35676\">\n<tr data-nodeid=\"35677\">\n<td data-nodeid=\"35678\">\u20b9500 &#8211; \u20b925,000<\/td>\n<td data-nodeid=\"35679\">\u0915\u0947\u0935\u0932 \u092e\u094d\u092f\u0942\u091a\u0941\u0905\u0932 \u092b\u0902\u0921\/ETF<\/td>\n<td data-nodeid=\"35680\">\u0915\u092e \u091c\u094b\u0916\u093f\u092e, \u0935\u094d\u092f\u093e\u092a\u0915 \u0935\u093f\u0935\u093f\u0927\u0940\u0915\u0930\u0923<\/td>\n<\/tr>\n<tr data-nodeid=\"35681\">\n<td data-nodeid=\"35682\">\u20b925,000 &#8211; \u20b95 \u0932\u093e\u0916<\/td>\n<td data-nodeid=\"35683\">70% ETF + 30% \u0921\u093e\u092f\u0930\u0947\u0915\u094d\u091f \u0938\u094d\u091f\u0949\u0915<\/td>\n<td data-nodeid=\"35684\">\u0938\u0902\u0924\u0941\u0932\u093f\u0924 \u0926\u0943\u0937\u094d\u091f\u093f\u0915\u094b\u0923<\/td>\n<\/tr>\n<tr data-nodeid=\"35685\">\n<td data-nodeid=\"35686\">\u20b95 \u0932\u093e\u0916+<\/td>\n<td data-nodeid=\"35687\">50-50 \u092f\u093e \u0905\u0927\u093f\u0915 \u0921\u093e\u092f\u0930\u0947\u0915\u094d\u091f \u0928\u093f\u0935\u0947\u0936<\/td>\n<td data-nodeid=\"35688\">\u091c\u094d\u092f\u093e\u0926\u093e \u0928\u093f\u092f\u0902\u0924\u094d\u0930\u0923 \u0914\u0930 \u0938\u0902\u092d\u093e\u0935\u093f\u0924 \u0930\u093f\u091f\u0930\u094d\u0928<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<p data-nodeid=\"35689\">\u20b95 \u0932\u093e\u0916 \u0938\u0947 \u090a\u092a\u0930 \u0915\u0940 \u0930\u093e\u0936\u093f \u092e\u0947\u0902, \u092e\u0948\u0902 <strong data-nodeid=\"35773\">\u0915\u094d\u0930\u0949\u0938 \u092c\u0949\u0930\u094d\u0921\u0930 \u0907\u0928\u094d\u0935\u0947\u0938\u094d\u091f\u092e\u0947\u0902\u091f<\/strong> \u0915\u0947 \u0932\u093f\u090f \u0905\u0927\u093f\u0915 \u0921\u093e\u092f\u0930\u0947\u0915\u094d\u091f \u0938\u094d\u091f\u0949\u0915\u094d\u0938 \u092a\u0930 \u092b\u094b\u0915\u0938 \u0915\u0930\u0924\u093e \u0939\u0942\u0902 \u0915\u094d\u092f\u094b\u0902\u0915\u093f \u092c\u094d\u0930\u094b\u0915\u0930\u0947\u091c \u092b\u0940\u0938 \u0915\u093e \u092a\u094d\u0930\u092d\u093e\u0935 \u0915\u092e \u0939\u094b\u0924\u093e \u0939\u0948\u0964<\/p>\n<h4 data-nodeid=\"35690\"><strong>\u091f\u0948\u0915\u094d\u0938 \u092a\u094d\u0932\u093e\u0928\u093f\u0902\u0917 \u0914\u0930 \u0930\u0947\u0917\u0941\u0932\u0947\u091f\u0930\u0940 \u092c\u0926\u0932\u093e\u0935\u094b\u0902 \u0915\u093e \u092a\u094d\u0930\u092d\u093e\u0935<\/strong><\/h4>\n<p data-nodeid=\"35691\">2025 \u092e\u0947\u0902 \u092e\u0948\u0902\u0928\u0947 \u0926\u0947\u0916\u093e \u0939\u0948 \u0915\u093f <strong data-nodeid=\"35780\">\u0935\u093f\u0926\u0947\u0936\u0940 \u0928\u093f\u0935\u0947\u0936 2025<\/strong> \u0915\u0947 \u0932\u093f\u090f \u091f\u0948\u0915\u094d\u0938 \u0928\u093f\u092f\u092e \u0915\u093e\u092b\u0940 \u092c\u0926\u0932 \u0917\u090f \u0939\u0948\u0902\u0964 \u0905\u092c \u092e\u0941\u091d\u0947 TCS (Tax Collected at Source) \u0915\u0947 \u092c\u093e\u0930\u0947 \u092e\u0947\u0902 \u092a\u0939\u0932\u0947 \u0938\u0947 \u091c\u094d\u092f\u093e\u0926\u093e \u0938\u094b\u091a\u0928\u093e \u092a\u0921\u093c\u0924\u093e \u0939\u0948\u0964 \u0905\u0917\u0930 \u0906\u092a \u20b910 \u0932\u093e\u0916 \u0938\u0947 \u091c\u094d\u092f\u093e\u0926\u093e \u0935\u093f\u0926\u0947\u0936 \u092e\u0947\u0902 \u092d\u0947\u091c \u0930\u0939\u0947 \u0939\u0948\u0902 (\u0928\u093f\u0935\u0947\u0936 \u0915\u0947 \u0932\u093f\u090f), \u0924\u094b 20% TCS \u0926\u0947\u0928\u093e \u0939\u094b\u0917\u093e\u0964 \u0936\u093f\u0915\u094d\u0937\u093e \u092f\u093e \u092e\u0947\u0921\u093f\u0915\u0932 \u0915\u0947 \u0928\u093e\u092e \u092a\u0930 TCS 5% \u092f\u093e \u0915\u092e \u0932\u0917\u0924\u093e \u0939\u0948, \u0932\u0947\u0915\u093f\u0928 \u092f\u0947 genuine cases \u092e\u0947\u0902 \u0939\u0940 \u0915\u0930\u0947\u0902\u0964<\/p>\n<p data-nodeid=\"35692\"><strong data-nodeid=\"35785\">\u0921\u093e\u092f\u0930\u0947\u0915\u094d\u091f \u0907\u0915\u094d\u0935\u093f\u091f\u0940 \u092c\u0928\u093e\u092e ETF<\/strong> \u0915\u0940 \u092c\u093e\u0924 \u0915\u0930\u0947\u0902 \u0924\u094b \u091f\u0948\u0915\u094d\u0938 \u0915\u0947 \u0939\u093f\u0938\u093e\u092c \u0938\u0947:<\/p>\n<ul>\n<li data-nodeid=\"35695\"><strong data-nodeid=\"35790\">\u0921\u093e\u092f\u0930\u0947\u0915\u094d\u091f \u0938\u094d\u091f\u0949\u0915\u094d\u0938<\/strong>: \u092e\u0948\u0902 \u091c\u092c \u092d\u0940 \u092c\u0947\u091a\u0924\u093e \u0939\u0942\u0902 \u0924\u094b capital gains tax \u0932\u0917\u0924\u093e \u0939\u0948<\/li>\n<li data-nodeid=\"35697\"><strong data-nodeid=\"35795\">\u092e\u094d\u092f\u0942\u091a\u0941\u0905\u0932 \u092b\u0902\u0921\/ETF<\/strong>: \u0915\u0947\u0935\u0932 redemption \u092a\u0930 \u091f\u0948\u0915\u094d\u0938, \u0914\u0930 \u0935\u094b \u092d\u0940 LTCG \u0915\u0947 \u0939\u093f\u0938\u093e\u092c \u0938\u0947<\/li>\n<\/ul>\n<p data-nodeid=\"35698\">\u092e\u0948\u0902\u0928\u0947 \u0905\u092a\u0928\u0947 CA \u0938\u0947 \u0938\u0932\u093e\u0939 \u0932\u0940 \u0939\u0948 \u0915\u093f LRS (Liberalized Remittance Scheme) \u0915\u0947 \u0924\u0939\u0924 \u0905\u0917\u0930 \u092e\u0948\u0902 \u090f\u091c\u0941\u0915\u0947\u0936\u0928 \u092f\u093e medical \u0915\u0947 \u0928\u093e\u092e \u092a\u0930 \u092a\u0948\u0938\u093e \u092d\u0947\u091c\u0942\u0902 \u0924\u094b TCS \u0915\u092e \u0932\u0917\u0924\u093e \u0939\u0948\u0964 \u0932\u0947\u0915\u093f\u0928 \u092f\u0947 \u0938\u093f\u0930\u094d\u092b genuine cases \u092e\u0947\u0902 \u0939\u0940 \u0915\u0930\u0947\u0902\u0964<\/p>\n<p data-nodeid=\"35699\">RBI \u0915\u0947 \u0928\u090f \u0928\u093f\u092f\u092e\u094b\u0902 \u0915\u0947 \u0905\u0928\u0941\u0938\u093e\u0930, \u0905\u092c \u092e\u0941\u091d\u0947 \u0939\u0930 transaction \u0915\u0940 proper documentation \u0930\u0916\u0928\u0940 \u092a\u0921\u093c\u0924\u0940 \u0939\u0948\u0964 Form A2 \u0914\u0930 bank certificate \u091c\u0930\u0942\u0930\u0940 \u0939\u094b \u0917\u090f \u0939\u0948\u0902\u0964<\/p>\n<h4 data-nodeid=\"35700\"><strong>\u0928\u090f \u0928\u093f\u0935\u0947\u0936\u0915\u094b\u0902 \u0915\u0947 \u0932\u093f\u090f \u0938\u094d\u091f\u0947\u092a-\u092c\u093e\u0908-\u0938\u094d\u091f\u0947\u092a \u090f\u0915\u094d\u0936\u0928 \u092a\u094d\u0932\u093e\u0928<\/strong><\/h4>\n<p data-nodeid=\"35701\">\u092e\u0948\u0902 \u091c\u092c \u092d\u0940 \u0915\u093f\u0938\u0940 \u0928\u090f \u0928\u093f\u0935\u0947\u0936\u0915 \u0915\u094b \u0917\u093e\u0907\u0921 \u0915\u0930\u0924\u093e \u0939\u0942\u0902, \u0924\u094b \u092f\u0947 steps follow \u0915\u0930\u0924\u093e \u0939\u0942\u0902:<\/p>\n<p data-nodeid=\"35702\"><strong data-nodeid=\"35803\">Week 1-2: Research \u0914\u0930 Setup<\/strong><\/p>\n<ul>\n<li data-nodeid=\"35705\">\u092e\u0948\u0902 \u092a\u0939\u0932\u0947 Zerodha, ICICI Direct \u092f\u093e Groww \u091c\u0948\u0938\u0947 platforms \u092a\u0930 account \u0916\u0941\u0932\u0935\u093e\u0924\u093e \u0939\u0942\u0902<\/li>\n<li data-nodeid=\"35707\">KYC \u092a\u0942\u0930\u0940 \u0915\u0930\u0935\u093e\u0924\u093e \u0939\u0942\u0902 \u0914\u0930 international trading enable \u0915\u0930\u0924\u093e \u0939\u0942\u0902<\/li>\n<li data-nodeid=\"35709\"><strong data-nodeid=\"35810\">\u0905\u0902\u0924\u0930\u0930\u093e\u0937\u094d\u091f\u094d\u0930\u0940\u092f \u092a\u094b\u0930\u094d\u091f\u092b\u094b\u0932\u093f\u092f\u094b \u0921\u093e\u0907\u0935\u0930\u094d\u0938\u093f\u092b\u093f\u0915\u0947\u0936\u0928<\/strong> \u0915\u0947 \u0932\u093f\u090f basic research \u0915\u0930\u0924\u093e \u0939\u0942\u0902<\/li>\n<\/ul>\n<p data-nodeid=\"35710\"><strong data-nodeid=\"35814\">Week 3-4: \u092a\u0939\u0932\u093e \u0928\u093f\u0935\u0947\u0936<\/strong><\/p>\n<ul>\n<li data-nodeid=\"35713\">\u092e\u0948\u0902 \u0939\u092e\u0947\u0936\u093e \u20b95,000-\u20b910,000 \u0938\u0947 \u0936\u0941\u0930\u0941\u0906\u0924 \u0915\u0930\u0928\u0947 \u0915\u0940 \u0938\u0932\u093e\u0939 \u0926\u0947\u0924\u093e \u0939\u0942\u0902<\/li>\n<li data-nodeid=\"35715\">Motilal Oswal S&amp;P 500 Fund \u092f\u093e Franklin India Feeder Fund \u091a\u0941\u0928\u0924\u093e \u0939\u0942\u0902<\/li>\n<li data-nodeid=\"35717\">SIP \u0936\u0941\u0930\u0942 \u0915\u0930\u0924\u093e \u0939\u0942\u0902 \u0924\u093e\u0915\u093f market timing \u0915\u093e pressure \u0928 \u0939\u094b<\/li>\n<\/ul>\n<p data-nodeid=\"35718\"><strong data-nodeid=\"35823\">Month 2-3: \u0935\u093f\u0935\u093f\u0927\u0940\u0915\u0930\u0923<\/strong><\/p>\n<ul>\n<li data-nodeid=\"35721\"><strong data-nodeid=\"35828\">\u0917\u094d\u0932\u094b\u092c\u0932 \u0907\u0915\u094d\u0935\u093f\u091f\u0940 \u092b\u0902\u0921<\/strong> \u092e\u0947\u0902 2-3 \u0905\u0932\u0917 regions (US, Europe, Emerging Markets) \u091a\u0941\u0928\u0924\u093e \u0939\u0942\u0902<\/li>\n<li data-nodeid=\"35723\">Currency risk \u0915\u094b \u0915\u092e \u0915\u0930\u0928\u0947 \u0915\u0947 \u0932\u093f\u090f hedge funds \u092d\u0940 consider \u0915\u0930\u0924\u093e \u0939\u0942\u0902<\/li>\n<\/ul>\n<p data-nodeid=\"35724\"><strong data-nodeid=\"35833\">Month 4-6: Advanced Strategy<\/strong><\/p>\n<ul>\n<li data-nodeid=\"35727\">\u0905\u092c \u092e\u0948\u0902 \u0915\u0941\u091b individual stocks \u091c\u0948\u0938\u0947 Tesla, Microsoft \u092e\u0947\u0902 \u0928\u093f\u0935\u0947\u0936 \u0915\u0930\u0928\u093e \u0936\u0941\u0930\u0942 \u0915\u0930\u0924\u093e \u0939\u0942\u0902<\/li>\n<li data-nodeid=\"35729\">Portfolio \u0915\u094b monthly review \u0915\u0930\u0924\u093e \u0939\u0942\u0902 \u0914\u0930 rebalance \u0915\u0930\u0924\u093e \u0939\u0942\u0902<\/li>\n<\/ul>\n<h4 data-nodeid=\"35730\"><strong>\u092d\u0935\u093f\u0937\u094d\u092f \u0915\u0947 \u0928\u093f\u092f\u092e\u094b\u0902 \u092e\u0947\u0902 \u0938\u0902\u092d\u093e\u0935\u093f\u0924 \u092c\u0926\u0932\u093e\u0935 \u0914\u0930 \u0924\u0948\u092f\u093e\u0930\u0940<\/strong><\/h4>\n<p dir=\"auto\">RBI \u0915\u0947 \u0905\u0928\u0941\u0938\u093e\u0930, LRS limit \u092b\u093f\u0932\u0939\u093e\u0932 $250,000 (\u0932\u0917\u092d\u0917 \u20b92.1 \u0915\u0930\u094b\u0921\u093c) \u092a\u094d\u0930\u0924\u093f \u0935\u093f\u0924\u094d\u0924\u0940\u092f \u0935\u0930\u094d\u0937 \u0939\u0948, \u0914\u0930 2025 \u092e\u0947\u0902 \u0907\u0938\u092e\u0947\u0902 \u0915\u094b\u0908 \u092c\u0926\u0932\u093e\u0935 \u0915\u0940 \u0918\u094b\u0937\u0923\u093e \u0928\u0939\u0940\u0902 \u0939\u0941\u0908 \u0939\u0948\u0964 TCS rules \u092e\u0947\u0902 \u0939\u093e\u0932\u093f\u092f\u093e \u0905\u092a\u0921\u0947\u091f \u0915\u0947 \u0924\u0939\u0924 threshold \u20b910 \u0932\u093e\u0916 \u0939\u094b \u0917\u092f\u093e \u0939\u0948, \u0932\u0947\u0915\u093f\u0928 limit \u092e\u0947\u0902 \u0915\u094b\u0908 \u0935\u0943\u0926\u094d\u0927\u093f \u0928\u0939\u0940\u0902 \u0939\u0948\u0964 \u092f\u093e\u0926 \u0930\u0916\u0947\u0902 \u0915\u093f \u0905\u0928\u0941\u092a\u092f\u094b\u0917\u0940 \u0930\u093e\u0936\u093f \u0905\u0917\u0932\u0947 \u0938\u093e\u0932 carry forward \u0928\u0939\u0940\u0902 \u0939\u094b\u0924\u0940\u0964<\/p>\n<p data-nodeid=\"35732\"><strong data-nodeid=\"35841\">\u092e\u0948\u0902 \u0907\u0928 changes \u0915\u0947 \u0932\u093f\u090f \u0924\u0948\u092f\u093e\u0930\u0940 \u0915\u0930 \u0930\u0939\u093e \u0939\u0942\u0902:<\/strong><\/p>\n<ul>\n<li data-nodeid=\"35735\">Digital documentation system \u092c\u0928\u093e \u0930\u0939\u093e \u0939\u0942\u0902<\/li>\n<li data-nodeid=\"35737\">Tax-efficient structures \u0915\u0947 \u092c\u093e\u0930\u0947 \u092e\u0947\u0902 CA \u0938\u0947 regular consultation \u0932\u0947 \u0930\u0939\u093e \u0939\u0942\u0902<\/li>\n<li data-nodeid=\"35739\"><strong data-nodeid=\"35848\">\u0935\u093f\u0926\u0947\u0936\u0940 ETF \u0928\u093f\u0935\u0947\u0936<\/strong> \u0915\u0947 \u0932\u093f\u090f multiple brokers \u0915\u0947 \u0938\u093e\u0925 accounts maintain \u0915\u0930 \u0930\u0939\u093e \u0939\u0942\u0902<\/li>\n<\/ul>\n<p data-nodeid=\"35740\">SEBI \u0936\u093e\u092f\u0926 international mutual funds \u0915\u0947 \u0932\u093f\u090f \u0928\u090f guidelines \u0932\u093e\u090f, \u091c\u093f\u0938\u0938\u0947 expense ratios \u0915\u092e \u0939\u094b \u0938\u0915\u0924\u0947 \u0939\u0948\u0902\u0964 \u092e\u0948\u0902 \u0907\u0938\u0915\u093e \u092b\u093e\u092f\u0926\u093e \u0909\u0920\u093e\u0928\u0947 \u0915\u0947 \u0932\u093f\u090f \u092a\u0939\u0932\u0947 \u0938\u0947 \u0939\u0940 research \u0915\u0930 \u0930\u0939\u093e \u0939\u0942\u0902\u0964<\/p>\n<p data-nodeid=\"35741\">Cryptocurrency regulations \u092d\u0940 \u091c\u0932\u094d\u0926\u0940 clear \u0939\u094b\u0928\u0947 \u0935\u093e\u0932\u0940 \u0939\u0948\u0902, \u091c\u094b <strong data-nodeid=\"35855\">\u0907\u0902\u091f\u0930\u0928\u0947\u0936\u0928\u0932 \u0938\u094d\u091f\u0949\u0915 \u092e\u093e\u0930\u094d\u0915\u0947\u091f<\/strong> \u0915\u0940 strategy \u0915\u094b \u092a\u094d\u0930\u092d\u093e\u0935\u093f\u0924 \u0915\u0930 \u0938\u0915\u0924\u0940 \u0939\u0948\u0902\u0964 \u092e\u0948\u0902 \u0905\u092a\u0928\u0947 portfolio \u092e\u0947\u0902 5-10% crypto allocation \u092d\u0940 \u0930\u0916 \u0930\u0939\u093e \u0939\u0942\u0902 future opportunities \u0915\u0947 \u0932\u093f\u090f\u0964<\/p>\n<p data-nodeid=\"35742\">\u0938\u092c\u0938\u0947 \u091c\u0930\u0942\u0930\u0940 \u092c\u093e\u0924 &#8211; \u092e\u0948\u0902 \u0939\u092e\u0947\u0936\u093e emergency fund \u0905\u0932\u0917 \u0938\u0947 maintain \u0915\u0930\u0924\u093e \u0939\u0942\u0902 \u0914\u0930 international investments \u0915\u094b \u0905\u092a\u0928\u0940 total wealth \u0915\u093e 20-30% \u0938\u0947 \u091c\u094d\u092f\u093e\u0926\u093e \u0928\u0939\u0940\u0902 \u0930\u0916\u0924\u093e\u0964 \u092f\u0947 rule \u092e\u0948\u0902 \u0915\u092d\u0940 \u0928\u0939\u0940\u0902 \u0924\u094b\u0921\u093c\u0924\u093e\u0964<\/p>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<div>\n<div class=\"markdown-renderer-container auto-height\">\n<div class=\"toastui-editor-defaultUI\">\n<div class=\"toastui-editor-main toastui-editor-md-mode\">\n<div class=\"toastui-editor-main-container\">\n<div class=\"toastui-editor-md-container toastui-editor-md-vertical-style\">\n<h2 class=\"toastui-editor-md-splitter\"><strong data-start=\"432\" data-end=\"500\">\u0921\u093e\u092f\u0930\u0947\u0915\u094d\u091f \u0938\u094d\u091f\u0949\u0915\u094d\u0938 \u092f\u093e \u092b\u0902\u0921\u094d\u0938 \u2013 \u0906\u092a\u0915\u0940 \u092a\u094d\u0930\u094b\u092b\u093c\u093e\u0907\u0932 \u0915\u0947 \u0905\u0928\u0941\u0938\u093e\u0930 \u0905\u0902\u0924\u093f\u092e \u092b\u0948\u0938\u0932\u093e<\/strong><\/h2>\n<p><img loading=\"lazy\" decoding=\"async\" class=\"alignnone size-full wp-image-3224\" src=\"https:\/\/paisaforever.com\/hin\/wp-content\/uploads\/2025\/10\/A-giant-tree-with-two-main-glowing-branches.jpeg\" alt=\"A giant tree with two main glowing branches \u2014 one branch sprouting Wall Street icons, stock tickers, and company logos, the other branch sprouting fund jars, diversification pie charts, and global ETFs\" width=\"1024\" height=\"1024\" srcset=\"https:\/\/paisaforever.com\/hin\/wp-content\/uploads\/2025\/10\/A-giant-tree-with-two-main-glowing-branches.jpeg 1024w, https:\/\/paisaforever.com\/hin\/wp-content\/uploads\/2025\/10\/A-giant-tree-with-two-main-glowing-branches-300x300.jpeg 300w, https:\/\/paisaforever.com\/hin\/wp-content\/uploads\/2025\/10\/A-giant-tree-with-two-main-glowing-branches-150x150.jpeg 150w, https:\/\/paisaforever.com\/hin\/wp-content\/uploads\/2025\/10\/A-giant-tree-with-two-main-glowing-branches-768x768.jpeg 768w\" sizes=\"auto, (max-width: 1024px) 100vw, 1024px\" \/><\/p>\n<div class=\"toastui-editor-md-preview\">\n<div class=\"toastui-editor-contents\">\n<p data-nodeid=\"35857\">\u092e\u0948\u0902 \u092e\u093e\u0928\u0924\u093e \u0939\u0942\u0902 \u0915\u093f 2025 \u092e\u0947\u0902 \u0905\u0902\u0924\u0930\u0930\u093e\u0937\u094d\u091f\u094d\u0930\u0940\u092f \u0928\u093f\u0935\u0947\u0936 \u0915\u0947 \u092e\u093e\u092e\u0932\u0947 \u092e\u0947\u0902 \u0939\u092e \u092d\u093e\u0930\u0924\u0940\u092f \u0928\u093f\u0935\u0947\u0936\u0915\u094b\u0902 \u0915\u0947 \u092a\u093e\u0938 \u0926\u094b \u092c\u0947\u0939\u0924\u0930\u0940\u0928 \u0935\u093f\u0915\u0932\u094d\u092a \u0939\u0948\u0902 &#8211; \u0938\u0940\u0927\u0947 \u0936\u0947\u092f\u0930 \u0916\u0930\u0940\u0926\u0928\u093e \u092f\u093e \u092e\u094d\u092f\u0942\u091a\u0941\u0905\u0932 \u092b\u0902\u0921\/ETF \u0915\u0947 \u0930\u093e\u0938\u094d\u0924\u0947 \u091c\u093e\u0928\u093e\u0964 \u092e\u0948\u0902\u0928\u0947 \u0926\u0947\u0916\u093e \u0939\u0948 \u0915\u093f \u0905\u0917\u0930 \u0906\u092a\u0915\u0947 \u092a\u093e\u0938 \u0938\u092e\u092f \u0939\u0948 \u0914\u0930 \u092c\u093e\u091c\u093e\u0930 \u0915\u0940 \u0905\u091a\u094d\u091b\u0940 \u0938\u092e\u091d \u0939\u0948, \u0924\u094b \u092a\u094d\u0930\u0924\u094d\u092f\u0915\u094d\u0937 \u0928\u093f\u0935\u0947\u0936 \u0938\u0947 \u092c\u0947\u0939\u0924\u0930 \u0930\u093f\u091f\u0930\u094d\u0928 \u092e\u093f\u0932 \u0938\u0915\u0924\u093e \u0939\u0948\u0964 \u0932\u0947\u0915\u093f\u0928 \u0905\u0917\u0930 \u0906\u092a \u0928\u090f \u0939\u0948\u0902 \u092f\u093e \u0935\u094d\u092f\u0938\u094d\u0924 \u091c\u093f\u0902\u0926\u0917\u0940 \u091c\u0940\u0924\u0947 \u0939\u0948\u0902, \u0924\u094b \u092e\u094d\u092f\u0942\u091a\u0941\u0905\u0932 \u092b\u0902\u0921 \u0914\u0930 ETF \u0915\u093e \u0930\u093e\u0938\u094d\u0924\u093e \u091c\u094d\u092f\u093e\u0926\u093e \u0906\u0938\u093e\u0928 \u0914\u0930 \u0938\u0941\u0930\u0915\u094d\u0937\u093f\u0924 \u0932\u0917\u0924\u093e \u0939\u0948\u0964<\/p>\n<p data-nodeid=\"35858\">\u092e\u0947\u0930\u0940 \u0930\u093e\u092f \u092e\u0947\u0902 \u0938\u092c\u0938\u0947 \u0905\u091a\u094d\u091b\u0940 \u0930\u0923\u0928\u0940\u0924\u093f \u092f\u0939 \u0939\u0948 \u0915\u093f \u0906\u092a \u0905\u092a\u0928\u0940 \u091c\u094b\u0916\u093f\u092e \u0909\u0920\u093e\u0928\u0947 \u0915\u0940 \u0915\u094d\u0937\u092e\u0924\u093e \u0914\u0930 \u0928\u093f\u0935\u0947\u0936 \u0915\u0947 \u0909\u0926\u094d\u0926\u0947\u0936\u094d\u092f \u0915\u0947 \u0939\u093f\u0938\u093e\u092c \u0938\u0947 \u092b\u0948\u0938\u0932\u093e \u0915\u0930\u0947\u0902\u0964 \u092e\u0948\u0902 \u0938\u0941\u091d\u093e\u090a\u0902\u0917\u093e \u0915\u093f \u0936\u0941\u0930\u0941\u0906\u0924 \u092e\u0947\u0902 \u0915\u092e \u0930\u093e\u0936\u093f \u0938\u0947 ETF \u092f\u093e \u092e\u094d\u092f\u0942\u091a\u0941\u0905\u0932 \u092b\u0902\u0921 \u0915\u0947 \u0938\u093e\u0925 \u0936\u0941\u0930\u0941\u0906\u0924 \u0915\u0930\u0947\u0902, \u0905\u0928\u0941\u092d\u0935 \u092c\u0922\u093c\u0928\u0947 \u092a\u0930 \u0927\u0940\u0930\u0947-\u0927\u0940\u0930\u0947 \u092a\u094d\u0930\u0924\u094d\u092f\u0915\u094d\u0937 \u0928\u093f\u0935\u0947\u0936 \u0915\u0940 \u0924\u0930\u092b \u092c\u0922\u093c \u0938\u0915\u0924\u0947 \u0939\u0948\u0902\u0964 \u092f\u093e\u0926 \u0930\u0916\u0947\u0902 \u0915\u093f \u0935\u093f\u0935\u093f\u0927\u0940\u0915\u0930\u0923 \u0906\u092a\u0915\u093e \u0938\u092c\u0938\u0947 \u092c\u0921\u093c\u093e \u0926\u094b\u0938\u094d\u0924 \u0939\u0948 &#8211; \u0938\u093e\u0930\u0947 \u0905\u0902\u0921\u0947 \u090f\u0915 \u0939\u0940 \u091f\u094b\u0915\u0930\u0940 \u092e\u0947\u0902 \u0928 \u0930\u0916\u0947\u0902 \u0914\u0930 \u0939\u092e\u0947\u0936\u093e \u0905\u092a\u0928\u0947 \u092a\u094b\u0930\u094d\u091f\u092b\u094b\u0932\u093f\u092f\u094b \u0915\u0940 \u0928\u093f\u092f\u092e\u093f\u0924 \u0938\u092e\u0940\u0915\u094d\u0937\u093e \u0915\u0930\u0924\u0947 \u0930\u0939\u0947\u0902\u0964<\/p>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<p>Read : <a href=\"https:\/\/paisaforever.com\/top-5-stock-exchanges-in-the-world-2025\/\">Top 5 Stock Exchanges in the World<\/a><\/p>\n<div><\/div>\n<div>\n<div class=\"markdown-renderer-container auto-height\">\n<div class=\"toastui-editor-defaultUI\">\n<div class=\"toastui-editor-context-menu\" aria-role=\"menu\"><em><strong>Disclaimer: <\/strong><span style=\"font-size: inherit;\">\u092f\u0939 \u0932\u0947\u0916 \u0915\u0947\u0935\u0932 \u0936\u0948\u0915\u094d\u0937\u093f\u0915 \u0914\u0930 \u0938\u093e\u092e\u093e\u0928\u094d\u092f \u091c\u093e\u0928\u0915\u093e\u0930\u0940 \u0915\u0947 \u0909\u0926\u094d\u0926\u0947\u0936\u094d\u092f \u0938\u0947 \u0932\u093f\u0916\u093e \u0917\u092f\u093e \u0939\u0948\u0964 \u0907\u0938\u092e\u0947\u0902 \u0926\u0940 \u0917\u0908 \u092c\u093e\u0924\u0947\u0902 \u0915\u093f\u0938\u0940 \u092d\u0940 \u092a\u094d\u0930\u0915\u093e\u0930 \u0915\u0940 \u0928\u093f\u0935\u0947\u0936 \u0938\u0932\u093e\u0939 \u092f\u093e Financial Recommendation \u0928\u0939\u0940\u0902 \u0939\u0948\u0902\u0964 \u0928\u093f\u0935\u0947\u0936 \u0915\u0930\u0928\u0947 \u0938\u0947 \u092a\u0939\u0932\u0947 \u0915\u0943\u092a\u092f\u093e \u0905\u092a\u0928\u0947 \u0935\u093f\u0924\u094d\u0924\u0940\u092f \u0938\u0932\u093e\u0939\u0915\u093e\u0930 (Financial Advisor) \u0938\u0947 \u092a\u0930\u093e\u092e\u0930\u094d\u0936 \u0915\u0930\u0947\u0902\u0964 \u092c\u093e\u091c\u093e\u0930 \u092e\u0947\u0902 \u0928\u093f\u0935\u0947\u0936 \u0939\u092e\u0947\u0936\u093e \u091c\u094b\u0916\u093f\u092e \u0915\u0947 \u0938\u093e\u0925 \u091c\u0941\u0921\u093c\u093e \u0939\u094b\u0924\u093e \u0939\u0948, \u0905\u0924\u0903 \u0928\u093f\u0930\u094d\u0923\u092f \u0938\u094b\u091a-\u0938\u092e\u091d\u0915\u0930 \u0932\u0947\u0902\u0964<\/span><\/em><\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n","protected":false},"excerpt":{"rendered":"<p>\u092d\u093e\u0930\u0924\u0940\u092f \u0928\u093f\u0935\u0947\u0936\u0915\u094b\u0902 \u0915\u0947 \u0932\u093f\u090f \u0905\u0902\u0924\u0930\u0930\u093e\u0937\u094d\u091f\u094d\u0930\u0940\u092f \u0928\u093f\u0935\u0947\u0936 \u0905\u092c \u0915\u094b\u0908 \u092c\u0921\u093c\u0940 \u092c\u093e\u0924 \u0928\u0939\u0940\u0902 \u0930\u0939 \u0917\u0908\u0964 \u0932\u0947\u0915\u093f\u0928 \u0938\u0935\u093e\u0932 \u092f\u0939 \u0939\u0948 \u0915\u093f \u092e\u0948\u0902 \u0938\u0940\u0927\u0947 &#8230; <\/p>\n<p class=\"read-more-container\"><a title=\"\u0905\u0902\u0924\u0930\u0930\u093e\u0937\u094d\u091f\u094d\u0930\u0940\u092f \u0928\u093f\u0935\u0947\u0936 2025: SIP \u092c\u0947\u0939\u0924\u0930 \u092f\u093e \u0921\u093e\u092f\u0930\u0947\u0915\u094d\u091f \u0938\u094d\u091f\u0949\u0915\u094d\u0938?\" class=\"read-more button\" href=\"https:\/\/paisaforever.com\/hin\/international-stocks-vs-mutual-funds-2025\/#more-3222\" aria-label=\"Read more about \u0905\u0902\u0924\u0930\u0930\u093e\u0937\u094d\u091f\u094d\u0930\u0940\u092f \u0928\u093f\u0935\u0947\u0936 2025: SIP \u092c\u0947\u0939\u0924\u0930 \u092f\u093e \u0921\u093e\u092f\u0930\u0947\u0915\u094d\u091f \u0938\u094d\u091f\u0949\u0915\u094d\u0938?\">Read More<\/a><\/p>\n","protected":false},"author":1,"featured_media":3227,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_jetpack_memberships_contains_paid_content":false,"footnotes":""},"categories":[2],"tags":[],"class_list":["post-3222","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-int-markets"],"jetpack_featured_media_url":"https:\/\/paisaforever.com\/hin\/wp-content\/uploads\/2025\/10\/transparent-crystal-globe-placed-on-a-desk.jpeg","jetpack_sharing_enabled":true,"_links":{"self":[{"href":"https:\/\/paisaforever.com\/hin\/wp-json\/wp\/v2\/posts\/3222","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/paisaforever.com\/hin\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/paisaforever.com\/hin\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/paisaforever.com\/hin\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/paisaforever.com\/hin\/wp-json\/wp\/v2\/comments?post=3222"}],"version-history":[{"count":2,"href":"https:\/\/paisaforever.com\/hin\/wp-json\/wp\/v2\/posts\/3222\/revisions"}],"predecessor-version":[{"id":3228,"href":"https:\/\/paisaforever.com\/hin\/wp-json\/wp\/v2\/posts\/3222\/revisions\/3228"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/paisaforever.com\/hin\/wp-json\/wp\/v2\/media\/3227"}],"wp:attachment":[{"href":"https:\/\/paisaforever.com\/hin\/wp-json\/wp\/v2\/media?parent=3222"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/paisaforever.com\/hin\/wp-json\/wp\/v2\/categories?post=3222"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/paisaforever.com\/hin\/wp-json\/wp\/v2\/tags?post=3222"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}