Investment Plans, ULIPs, Savings Plan & Investment Planning | How & Where to Invest

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To achieve future goals you need to channelize your existing resources and make fresh investments, if needed, so as to accumulate a higher value that may be used to accomplish the goal. Every one want maximum return against taking minimum risk but one think which we should except is every think has some kind of risk and not taking risk is a bigger risk.


One can easily get 6 to 7% return from bank FD and feel ourselves safe but the other part of the coin is inflation which is indirectly eroding our capital. Risk tolerance refers to the ability of a person to endure market volatility. In the world of investments, there is a direct relationship between expected and risk. Higher the expected return, higher the risk. There is a trade off between expected return and risk taken. If you are unwilling to assume risk, you must be satisfied with the risk-free rate of return. If you wish to try to earn a larger rate of return, you must be willing to assume a larger risk.

 

There are only two options are available in the investment market and the basic thump rules of investing are
Debt
- always opt debt option for investment when one have funds for short duration
Equity- always opt Equity option for investment when one has funds for long duration.

 

Factors effecting Long-term goals: When it comes to long-term goals, there is one factor that needs to be kept in mind such as:

Effect of inflation: A persistent increase in the level of consumer prices resulting in the loss of purchasing power of money is called inflation. It is reflected, in percentage terms, as a change in the wholesale price index. What this means is that a rupee today is worth more than a rupee tomorrow. Take your own case as example. Compare that amount you spent on groceries 10 years back and what you spend today. You will find that the prices you are paying today for the various items have risen sharply over the period. Inflation is a silent killer of the purchasing power of money.

Asset Allocation: In fact buying a investment product or selling a investment product is not a investment planning but allocation of asset between Debt and Equity in such a manner in which one can get the desire rate of return according to his risk taking appetite:-

 

Risk Taking appetite:-  every one is a risk averse but up to what extent one is risk averse is debatable point Before talking about risk or return let us know our risk taking appetite.

Just click on the link and answer the given question and we will mail you your risk Profile

Know Your Risk Appetite - Click here

 

» Have a look on investment products available in the market

Table of all Post office debt scheme(Excel Attached)

Post Office Savings At a Glance
SCHEME
RATE
INVESTMENT LIMITS
LIQUIDITY
TAX BENEFITS
PPF 8% PA COMPOUNDED YEARLY MAX. Rs 70000 min Rs500 per year in lump sumor in 12 installments with amount in multiples of Rs 5 Maturity after 15 years loan available after 3 years and onwards up to max of 25% of balance at the end of preceding year. Part withdrawal allowed after 7 year section 80c section 10
NSC 8% pa compounded half yearly Min Rs 100 no max limit denominations of Rs 100, Rs 500 Rs 1000 Rs 5000 and Rs 10000 Maturity after 6 year No premature withdrawal allowed section 80c section
Recurring Deposit Account Rs 10 invested per month returns Rs 728.9 on maturity min Rs 10/ month or any amount in mulityples of Rs 5 no max.limit maturity after 5 year can be extended for further 5 years. One withdrawal up to 50% of the balance allowed after 3 years with different rate of interest

Nil

Monthly Income Scheme 8% pa min Rs 1000 Further deposits in mulitples of Rs 1000 up to Rs 3 lac in case of individulas, and Rs 6 laksh in case of joint account maturity period is 6 years. Premature withdrawal is possible after 1.3 years with discount of 1% and no bonus. Nil
Kisan Vikas Patra Money doubles in 8 years and 7 months Min Rs 100 no max limit. maturity period 8 years 7 months. Premature withdrawal possible  
Time Deposit

6.25% -1 YEAR,

6.5%-2 YEAR,

7.25-3 YEAR,

7.5- 5YEARS

MIN Rs 200 No max limit 2,3,5 years account can be closed after one year with discounted rate of interest. Account can be closed after completion of 6 months but before 1 year with no interest.  


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