" An Investment in Knowledge Pays the Best Interest ! "

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In the fast-moving world of renovation and modernisation, we should get in touch with the changes in financial field regarding investment as well as taxes. Frankly speaking, everyone should have minimum fundamental knowledge on investment and tax aspects in our country.
This will definitely help us build a powerful wealth plan utilising our skills and resources.

What is investment?

Money we earn is partly spent and the rest is saved for meeting future expenses. To invest is to allocate money in the expectation of some benefit in the future.

Need of investment
  • Financial security
  • Fulfilling financial goal
  • Wealth creation
  • Future emergencies
  • Fighting inflation 

Inflation

  • Rate at which cost of living increases
  • Inflation causes money to loose value

Return

  • Return on investment should be above inflation rate to ensure that investment does not decrease in value.
  • If after-tax return on investment is less than inflation rate, then assets have actually decreased in value.

Golden Rules of Investment

  • Invest early
  • Invest regularly
  • Invest for long-term
  • Invest after verifying legitimacy of the investment


Option for Investment

  • Physical assets - Real Estate, Gold/Jewellery, commodities etc.
  • Financial assets - Fixed Deposits, small savings instrument Mutual Fund, Pension Fund and Securities market instruments, etc.


Short-Term & Long-Term Financial Investment in India

  • Savings Account
  • Money Market or Liquid Fund
  • Fixed Deposits
  • Post Office Savings Scheme
  • Public Provident Fund
  • Company Fixed Deposit
  • Bonds & Debentures
  • Mutual Funds
  • Share



We must learn in detail about the financial options for investment in Indian market to become a smart investor as well as winner in the long run.


Happy investing !!!
দীপ

##  Common Investors may collect ebook from the following link for mastering the basics of investment :

 https://pothi.com/pothi/book/ebook-pradip-mondal-basic-investment-instruments


### Govt Job Aspirants in Mechanical Engineering (Degree or Diploma) may collect ebook from the following link for cracking Competitive Exams :

 https://pothi.com/pothi/book/ebook-er-pradip-mondal-solved-exam-papers-wbpsc-mechanical-engineering

Comments

  1. Avijit23 March 2017 at 01:29

    1)when we should start investing?
    2)Small income holder can take risk to invest in share or mutual fund?

    ReplyDelete
  2. PRADIP23 March 2017 at 05:45

    1. Everyone should start investing as early as possible.
    2. No one should invest in Share without sound knowledge of market. Mutual Fund is the best investment option. But, keep in mind.. " Cut your coat according to your clothes".

    ReplyDelete
  3. Avijit23 March 2017 at 07:18

    Thanks for your reply. Mutual Fund also subject to market risk!. We also need knowledge of market before investing in it Because there are lot of mutual fund available in the market. According to you mutual fund is best option so can you publish a article on it for the new one?

    ReplyDelete
  4. PRADIP23 March 2017 at 08:03

    I will publish in near future.

    ReplyDelete
  5. Unknown23 March 2017 at 20:55

    nice one.......carry on

    ReplyDelete
  6. Unknown23 November 2017 at 02:54

    Which sbi mf is good to start investment in long term??

    ReplyDelete
  7. PRADIP23 November 2017 at 05:52

    Mutual Fund in equity Category is best for wealth creation. You did not mention about risk parameter which you can afford and time horizon for investment. If you want to take minimum risk with a minimum time horizon of 05 years, you can invest in Mutual Fund of Hybrid-equity category. Mutual Fund of SBI in this category is - " SBI Magnum Balanced Fund". You can choose this fund with Direct Plan and Growth option i.e. SBI Magnum Balanced Fund-Direct Plan-Growth Option. It is best to go with SIP form.
    Happy investing !!!

    ReplyDelete
  8. blackking23 February 2020 at 22:33

    Life insurance is a contract between insurer and insurance policy holder, there the insurer guarantees payment to beneficiaries upon the insured's death.
    Life Insurance Plans in UAE
    Financial Planning in Dubai
    Best Pension Plan in UAE
    Investment Plans in Dubai
    Savings Plans in UAE

    ReplyDelete

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