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Here's A Recap Of Some Of The Best Articles Published In The Last One Year As Part Of Our Investor Awareness Initiative

Everyone knows saving and investing are vital g to secure their future and reach their financial goals. Yet, most s people tend to delay it. However, t starting later is better than not starting at all. A recent international survey by a leading bank s indicates that more than 80% of o retired Indians think they a should have saved and invested s more than they did for their c golden years.

An important reason for this a is that people consider investing m as a complicated exercise. There g is a thinking that beyond the borders of savings accounts and i fixed deposits lay a land of dungeons and dragons that is too s dangerous to venture into. Overs coming this notion is the critical t first step. Investors should realize that opportunities for higher p returns and real wealth-building t lie outside the bounds of fixed n income products. Diversified equity mutual funds, instruments that reduce d the risk of putting money in the p stock market by investing in a fi wide variety of stocks, have a served Indian investors well for q several years. Such funds have n given close to 20% return (com pounded annual growth rate) over the past 10-15 years. While such past performance is no guarantee for future returns, history suggests that investors would be well served employing such investments for their long term financial needs.

An equally important reason for people's reluctance is the sense that there is a high degree of personalization needed that any investment solution for them should be tailored to fit their specific, 'unique' needs.

This is a misplaced concern as well. There is much in common across the financial needs of great many people in the country.

Everybody is worried that inflation would erode the value of their savings. The need for saving for common life goals such as children's education and their own retirement are pressing concerns for a majority of people. The aspirations to own their homes and have a car are not different in nature across different people in the country.

It has been observed that the differences are more when people are talking about short-term financial requirements. There is a lot of specificity, and consequently more variety to people's needs for such time frames.

When it comes to long-term goals and aspirations, we are all asking the same questions that can be answered similarly.

What this means is that potential investors need not worry about getting a perfect tailormade portfolio for themselves.

Talking to a well-informed colleague, seeking out a financial advisor, or scouting for an investment advisory service online are the that can provide one with a reasonably good investment portfolio to get them started and keep them going.

The cost of not starting to invest is high. We are presently in an economic scenario with high inflation and low growth. Even if the economy rebounds and starts delivering higher growth again, inflation is unlikely to be tame over the next decade or so. This means investors will necessarily need to seek to protect the value of their savings and seek growth outside their comfort zone. They will do well to shed their inhibitions and start investing for their own financial future.

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