Smart Investment

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John4321

Forerunner
I juz want to know since I am new here, how do you ppl make smart investment other then PPF, bonds. mediclaim and money back insurance plans. What other things do you people opt to save the money.
 
I dont invest in:

ULIP

Money back policy

I invest in:

Equity mutual funds

Debt mutual funds

Term life insurance

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if you got huge bank balance, and your age is less (20s-30s), buy lands where development has just started, might pull you huge money 20-30xxx in 20 year time frame, this in turn will surely help to help your kids to get higher education when they will be in 20s age grp
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Being.smart said:
if you got huge bank balance, and your age is less (20s-30s), buy lands where development has just started, might pull you huge money 20-30xxx in 20 year time frame, this in turn will surely help to help your kids to get higher education when they will be in 20s age grp
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Any suggestions on where to look for these lands ?? Any place where we can find information about upcoming projects??
 
Don't even consider of investing in land unless you have at least 2-5 cr liquid cash to spare, bare minimum. Even then you will only be able to invest in sub 40-50L per plot/piece of land, mostly in the outskirts of the outskirts of a city.
 
honest1 said:
I dont invest in:

ULIP

Money back policy

I invest in:

Equity mutual funds

Debt mutual funds

Term life insurance

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I juz dont know anything about MutualFunds but would like to learn from someone experienced over here who knows it very well.
 
The purpose of Mutual Funds is that you don't really need to know about the market, how it works etc. Just do a comparo of the returns that the various funds in the last few years and invest accordingly.
 
Better contact from person which belongs to your city, if you are from Bhilai-Raipur, i can give you hell lot of options
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for mutual funds : try valueresearchonline.com - a respected MF focused website. Another is morningstar. Almost all the financial/insurance/banks have this planning stuff on their web sites. Spend some time and get back if you need specific advice.
 
Try to stick to debt option as mutual funds are not considered as good investment nowadays my fixed deposit beats my mf investments
 
Mutual Funds are a great investment option and everybody should invest according to his/her risk taking appetite. The time horizon of various type of mutual fund schemes needs to be considered too before investing. There are schemes(liquid scheme) where you can park your fund for very short term basis and on the other hand, there are scheme( equity scheme) where the time horizon should not be less than 3 years.

Few links for your better understanding:

http://articles.economictimes.indiatimes.com/2011-08-28/news/29938361_1_mutual-funds-small-investors-value-stock

http://www.valueresearchonline.com/story/h2_storyView.asp?str=10059

http://www.valueresearchonline.com/story/h2_storyView.asp?str=10056

http://www.valueresearchonline.com/story/h2_storyView.asp?str=10061
 
#john4321 Guess ur phone is in DND list,otherwise u should get a no. of irritating calls from various investment plan providers. Don't know abt others but i get many calls.

Am not an expert, but speaking of mutual funds,i found DEBT growth plans profitable in my case.

If going for mutual fund do check through this link for the best profitable mutual funds in the market.

http://www.moneycontrol.com/mutual-funds/best-funds/index.html
 
Arv90 said:
#john4321 Guess ur phone is in DND list,otherwise u should get a no. of irritating calls from various investment plan providers. Don't know abt others but i get many calls.

Am not an expert, but speaking of mutual funds,i found DEBT growth plans profitable in my case.

If going for mutual fund do check through this link for the best profitable mutual funds in the market.

http://www.moneycont...unds/index.html
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Yes Arv90 you are correct my number is on DND already. Thanks for the link I will have a look.

honest1 said:
Mutual Funds are a great investment option and everybody should invest according to his/her risk taking appetite. The time horizon of various type of mutual fund schemes needs to be considered too before investing. There are schemes(liquid scheme) where you can park your fund for very short term basis and on the other hand, there are scheme( equity scheme) where the time horizon should not be less than 3 years.

Few links for your better understanding:

http://articles.econ...ors-value-stock

http://www.valuerese...w.asp?str=10059

http://www.valuerese...w.asp?str=10056

http://www.valuerese...w.asp?str=10061
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Ty honest so much. I really appreciate it.
 
If you have a demat account, buy couple of units of NiftyBees every month. Nifty Bees is an ETF which tracks NSE Nifty. Returns are similar to Nifty and you dont have to pay any extra hidden fees like you have to in a mutual fund.
 
I have some query regarding this same topic.

  • Is it okay to invest in SIP/MF from Demat account? Or should I opt for some agent or go to something like 'Karvy' ?
  • How to choose the MFs? Could someone please point out few MFs to watch (or better invest
    <
    ). How and what to look before investing?
  • Should I go for Tax saving MFs? Or PPF is just fine for this.
 
Hacker said:
If you have a demat account, buy couple of units of NiftyBees every month. Nifty Bees is an ETF which tracks NSE Nifty. Returns are similar to Nifty and you dont have to pay any extra hidden fees like you have to in a mutual fund.
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There are no hidden charges in Mutual Fund. Liquid fund charges upto around 1% of your assets while equity fund charges 2.5% of the assets. These charges in disclosed in the SID(Scheme Information Document) and the same are also available on any Mutual Fund tracking websites. Please note that these charges are annualized, so if you are invested for only 6 months, the charges would halve.

ETF are also a good product but they are limited to the index which they are tracking. All the money cannot be put in one type on investment horizon.

mathrisk said:
I have some query regarding this same topic.
  • Is it okay to invest in SIP/MF from Demat account? Or should I opt for some agent or go to something like 'Karvy' ?
  • How to choose the MFs? Could someone please point out few MFs to watch (or better invest
    tongu23e.gif
    ). How and what to look before investing?
  • Should I go for Tax saving MFs? Or PPF is just fine for this.
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  • Mutual fund units can be held in MF(Registrar) account or demat account. If you opt for demat account, you need to have DP account and you need broker to sell the units. MF cannot take your redemption requests.
  • There are various types of MF available in the market. You need to have some basic understanding of types of mutual fund and you need to identify how much risk you can take. If this is not done, then it would amount to mis selling. Understand the product you are going to invest. Please go through the links given above by me to have better understanding about MF. valueresearchonline.com has ranking of all the MF schemes across all types of MF. Have a look.
  • I would say that you should have PPF and Tax saving MF. The proportion will again depend on how much risk you can take.

Its a well established theory that rewards are in direct proportion to the risk you are taking, so please have this thing in mind always when you play with your hard earned money.
 
rite said:
Don't even consider of investing in land unless you have at least 2-5 cr liquid cash to spare, bare minimum. Even then you will only be able to invest in sub 40-50L per plot/piece of land, mostly in the outskirts of the outskirts of a city.
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#[member='rite']

Why do you think that one has to have 2-5cr liquid cash at least to invest in realty sector? One can also do same with a bit low budget like 50L or near about. Given that realty sector is one area which gives you one of the fastest returns and less risky, if one has money to invest, one should do it. My family has done even less investment (<< 50L), and incurred a profit of double in around 5-8 yrs.
 
My family does more than double every 5-6 years with just the right choice of mutual funds, doing for the last 10-15+ years now. Investing all your savings in a single plot isn't recommended.
 
When did I said to invest all the savings to single plot? And I believe investing in realty sector is safer than mutual funds.
 
JuGGa said:
When did I said to invest all the savings to single plot? And I believe investing in realty sector is safer than mutual funds.
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Investing in each asset class have its own benefits and short comings. Investing is land may give you good returns but this asset class is highly illiquid. So you should not invest all your savings in land as in case of emergency, you may have to sell the land in loss too!

The basis theory of investing is diversification to reduce risk and Mutual Fund does investment based on this approach only.

You need to have real estate, MF, PPF, debt and equity in your investment basket. Concentrating on single asset class will increase the risk only.
 
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