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Investment Planning

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What is investment planning?

An Investment means keeping aside money today, to get a higher return in the future.

Investment planning needs to be done based on the risk you are able to handle. If you are risk averse you must invest in fixed income securities. The money you invest is safe and you get interest on it.

You can invest in equity if you like to take risks in your investments. You can invest your money in shares or equity mutual funds to get higher returns, if you are a risk aggressive investor.

How is investment planning done?

If you are a conservative investor, you do not like to lose money. You want your principal invested to remain intact as well as earn interest on it.
These are some of the financial instruments you would consider:

  • Public Provident Fund

  • 5 Year Bank Fixed Deposits

  • National Savings Certificate.

  • Senior citizens savings scheme.

  • Post office monthly income scheme.

Why Investment Planning

Your Emergency Fund

It helps you increase your money which you can set aside for an emergency. You don't need to borrow money to pay the medical bill.

Meet Financial Goals

You can meet financial goals such as holidaying abroad, buying a car or even setting aside money for retirement.

 

Increase Your Wealth

If you want to become rich, just saving money is not enough. You need to invest. Investing helps you gain the benefits of compounding.

Tax Benefits

If you invest in equity linked saving schemes a type of equity mutual fund, you get tax benefits on your investment.

 
Key factors to consider for Investment Planning

If you are an aggressive investor you would invest in

Equity Linked Saving Schemes (ELSS) :

If you are willing to bear a very high risk for a very high return, then you must consider an investment in ELSS.

It gives you a high return of around 10-12% if the stock markets do well but can also result in severe losses if the market crashes.

You also enjoy a tax deduction under Section 80 C, up to INR 1.5 Lakhs on the money invested in the ELSS.

ELSS also enjoys "EEE" status which means the money invested in the ELSS, The money accumulated with time and the maturity amount (Withdrawn after 3 years) are free of tax. Since you are forced to invest in the ELSS for at least 3 years you are a long term investor and can get good profits.

You could invest in a Systematic Investment Plan (SIP) of an equity mutual fund

In an SIP a fixed sum of money is deducted each month from your bank account and invested in an equity mutual fund scheme of your choice, on a particular day of the month.

Your money is managed by a Professional Fund Manager. You do not need to time the market. You just spend time in the market.

 

Concepts & FAQ's Investment Planning

What is Investment Planning?

Investment helps you to create savings and to enhance your money. Investment planning is the strategy to maximize future financial cash flow for future safety.

Investment planning involves evaluating many possible financial options that could be used to secure the desired financial future. A number of investors like to hike their earnings through high-risk investments, at the same time others prefer investing in assets with minimum risk involved. However, the greater part of investors chooses an investment strategy that lies in the middle.

How is Investment Planning Done?

Investment plans require careful study of the financial market. It is the responsibility of the particular individual to make the decisions in order to meet long term financial goals.

  • Decide "How much and in"

  • Decide "Where to invest in"

  • Ascertain the "Source from where the investment could be obtained"

  • Analyze performance of investments made over time

  • Pull out the investments if uncertainty is involved in the process

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To be absolutely sure of WHAT TO LOOK OUT, talk to IndianMoney.com on the phone for FREE financial consultation.

Expert Financial Advisors from IndianMoney.com would provide you unbiased, correct and up to date information so that you can make an informed financial decision.

Frequently Asked Questions

Why is investment planning essential?

A well developed investment plan can act as the roadmap to your financial goals. So, it is essential to have an investment plan.

What is the difference between financial planning and investment planning?

Investment planning is a part of financial planning which deals with your investment objectives. Financial planning includes all your financial goals like retirement goals, tax planning, estate planning etc.

What is meant by asset allocation?

Asset allocation is the process of dividing investments into different asset categories, such as equities, fixed income and cash, to help to create an optimal portfolio according to your needs and potentially reduce volatility. To know more about Investment Planning, call us on 080 67974000

What is meant by portfolio management?

When pursuing your financial goal, you want to make the most of your money while minimizing potential risk. Portfolio management can help. Portfolio management is a strategy where your money is diversified, or spread across a variety of asset classes, such as equities, fixed income and cash. Since each asset class has a different balance of risk and return, each performs differently over time, helping to reduce potential risk and volatility.

Why do I need an investment plan?

A well developed investment plan can act as the roadmap to your financial goals.

What are the benefits of Investment?

  • Capital Accumulation

  • Family security

  • Standard of living

  • Savings

  • Assets

  • Financial security and stability

 

Investment Planning Articles

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Minimum Deposit Reduced To Rs 250 for Sukanya Samriddhi Yojana

23 July 2018, Monday    

  Good news for the parents of girl children! The Modi government has reduced the minimum annual deposit requirement for Sukanya Samriddhi Yojana Accounts to Rs 250 from Rs 1,000. The government has made this move to encourage more people to take advantage of the girl child savings scheme. ....

Manufacture And Trade With India

20 June 2018, Wednesday    

The World is holding its breath as USA and China get ready for a Trade War. US President Donald Trump has threatened to impose a tariff on every Chinese product that comes into the USA. A damaging trade war will send stock markets across the World tumbling and destroy the businesses of retailers, Te ....

How To Send Legal Notice via WhatsApp?

19 June 2018, Tuesday    

Are you the kind who ignores messages and notices received through email or any electronic means? If you get a notice from your bank via Whatsapp, you better not ignore it. There is an interesting case of Rohidas Jadhav, a resident of Nalasopara in Mumbai. Rohidas Jadhav had credit card dues, which ....

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Investment Planning News

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TCS expands partnership with M&G Prudential, deal now

Tuesday, June 12, 2018, 9:42 PM

Software services major TCS today said it has expanded its agreement with M&G Prudential, which will expand the deal size to more than USD 1.2 billion. TCS had announced its 10-year partnership with M&G Prudential in January this year, which was worth USD 690 million. Under the deal, the administration of over four million life and pensions contracts were moved from Capita to TCS

Maiyas factory shutdown: Labour department calls meet today

Wednesday, June 6, 2018, 11:38 AM

The labour department has called for a meeting with the management of Maiyas and some of its employees on Wednesday over the salary dues. Employees have approached the Labour department after Maiyas stopped producion at its facility in the city after differences cropped up between the founders and external investors. The employees have complained that they have not got their salaries for April, May.

PM to lay foundation stones for Rs 27K cr projects in Jharkhand

Wednesday, May 23, 2018, 7:32 PM

Prime Minister Narendra Modi on May 25 will lay foundation stones for developmental projects worth Rs.27,000 crore from Sindri in Dhanbad, Jharkhand Chief Minister Raghubar Das today said. The prime minister will lay foundation stones for several projects on the completion of four years of the central government. Foundation stones for projects worth Rs.27,000 crore will be laid, Das said at a press conference.

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Investment Planning Videos

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ಬಿಟ್ ಕಾಯಿನ್ ನಲ್ಲಿ ದುಡ್ಡು ಹಾಕಿದವರ ಕಥೆ ಏನಾಗಿದೆ ಗೊತ್ತಾ? | Bitcoin Investment is Safe or Not in Kannada

ಬಿಟ್ ಕಾಯಿನ್ ನಲ್ಲಿ ದುಡ್ಡು ಹಾಕಿದವರ ಕಥೆ ಏನಾಗಿದೆ ಗೊತ್ತಾ? | Bitcoin Investment is Safe or Not in Kannada

6 Years Ago

Start your Journey to Become Rich with IndianMoney's Financial Freedom App, Download here: https://indianmoney.com/ffa/FmCSZ69pHo   Bitcoin is a cryptocurrency that was invented back in the year 2008 which is created using computer ledgers called blockchain technology.   Some investigation says that cryptocurrency was found by a person called Satoshi Nakamoto, but no such evidence to prove the same. We all have been hearing about bitcoin in recent times and most of the people started investing in it. As a result,  the value of bitcoin has been increasing rapidly. But, is bitcoin a safe instrument to invest in? Should you invest? Is it legal? Start watching this video and get answers to all these questions.
ಹೂಡಿಕೆ ಮಾಡುವಾಗ ನೆಂಟಸ್ತನದ ಮುಲಾಜಿಗೆ ಒಳಗಾಗಬೇಕಾ? | Are Sellers & Advisers the same - Know the Difference

ಹೂಡಿಕೆ ಮಾಡುವಾಗ ನೆಂಟಸ್ತನದ ಮುಲಾಜಿಗೆ ಒಳಗಾಗಬೇಕಾ? | Are Sellers & Advisers the same - Know the Difference

6 Years Ago

Start your Journey to Become Rich with IndianMoney's Financial Freedom App, Download here: https://indianmoney.com/ffa/FmCSZ69pHo   Savings alone can not make you rich in your life. Investment is the key. But, it is important to make the right investment decision to get more returns. While investing the amount, it should be based on your goal, lifestyle, and risk-taking capability. So, it should not be based on the advice given by your friends, family members, or colleagues. One more major thing any investor must keep in their mind is that they should not take advice from those who sell investment products. Start watching this video before you take up any investment decision in your life.
Gilt Funds in Hindi | Gilt Funds - फायदे का सौदा | Basics of Gilt Funds

Gilt Funds in Hindi | Gilt Funds - फायदे का सौदा | Basics of Gilt Funds

6 Years Ago

Start your Journey to Become Rich with IndianMoney's Financial Freedom App, Download here: https://indianmoney.com/ffa/FmCSZ69pHo   There are various types of mutual funds, some are long term some are short term and many of them are also midterm in nature, etc. One such very important type of mutual fund is a gilt fund Gilt funds are considered one of the safest investment options that fetch decent returns and are considered safe as well In this video, Fayaz breaks down the basics of gilt funds and throws light on other aspects like taxation, interest rates, etc So watch the entire video to know about gilt funds

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