Skip to main content

Maximize your Investments Returns

 

Making money is not enough if you have no idea how to invest it wisely. A smart man always makes sure to be fully prepared for future financial needs and at every step and finds out a way to double his hard earned money. However, the biggest mystery is how and where to invest? Your financial planning will only be successful if you have bit of knowledge about investment planning options. So, if you are seeking some advice to get the best returns on your investment, your search ends here.

Before exploring the options available in the market for financial planning, let's talk about the types of investment plans. Basically, these are of two types-

  1. ULIP (Unit Linked Investment Planning) – Here, your premium is invested in various kinds of funds such as stocks, shares, etc and you receive money on the basis of the performance of these funds. Thus, it is volatile in nature.
  2. Traditional Investment- It ensures you receive the promised return amount after the maturity and thus is a low-risk investment plan.

Options Available For Financial Planning

  • Child Plan– When it comes to planning for a stable future, people should never ignore child insurance. This plan is one of the best investments to ensure that your child's needs (education, wedding etc) can be fulfilled.
  • Retirement Plan– You earn all your life in a hope to enjoy your later years in peace and joy. But, how's that possible if you have no money? Thus, investing for your retirement can give you benefits and a strong financial support to rely on.
  • Guaranteed Return Plan– In the market, there are many plans that give you guaranteed return after specified period. It is best for people who can't afford to take high risk and want a stable source of income.
  • High Potential Plan– If you have money and love to live on the edge, this investment plan is the one for you. It is volatile in nature and gives a scope of high return, but only if you are ready to take risks. Here, your premiums are invested in funds and the return depends on the performance of the funds.

Beside these, one can also invest in gold or fixed deposit in bank. These investments can be short-term as well as long-term depending how exactly a person invests.

Risk Involved in Investment Plans

Investment also brings risk along with it. If you invest, be sure, you might have to face some trouble. Few of these risks are as follows-

  • Unstable market- One can never predict the future. Thus, if the market will go down so will your investment with high chance of you losing your money.
  • Inflation- Sometimes due to inflation you might not get as much return as you expected. If the inflation rises the value of currency decreases.
  • No benefit if policy collapse- If the policy collapse before the maturity period, you might not get any returns and might face loss.

How to Select the Investment Plan?

There are so many investment plans available in the market such that it becomes difficult to choose which one is right for you. Every plan has its own pros and cons and will suit people depending on their requirements. So before you select any plan, ask these questions-

  • What are your final goals? Do you want to invest for your post retirement days or you want to secure for your child or simply want to double your money?
  • Do you want to invest for short-term or for long-term? If you have short term goals go for term plans and if your requirement is for a long period, then go for 10-30 year plans.
  • How much risk you can afford? If you have money or are young, go for ULIP plans as they give high-return, but being volatile in nature also involves high risk. Similarly, if you are old or financially weak, go for conventional plans as low-risk is involved with stable return.

Anybody can invest, but what makes a successful investor different from the not so successful one is how wisely he/she invests. Investment is a long term aspect and careful considerations should be made before choosing nay mode of investment as it will have a direct effect on your finances.

-----------------------------------------------
Invest Rs 1,50,000 and Save Tax under Section 80C. Get Great Returns by Investing in Best Performing ELSS Mutual Funds

Top 10 Tax Saving Mutual Funds to invest in India for 2016

Best 10 ELSS Mutual Funds in india for 2016

1. BNP Paribas Long Term Equity Fund

2. Axis Tax Saver Fund

3. Franklin India TaxShield

4. ICICI Prudential Long Term Equity Fund

5. IDFC Tax Advantage (ELSS) Fund

6. Birla Sun Life Tax Relief 96

7. DSP BlackRock Tax Saver Fund

8. Reliance Tax Saver (ELSS) Fund

9. Religare Tax Plan

10. Birla Sun Life Tax Plan

Invest in Best Performing 2016 Tax Saver Mutual Funds Online

Invest Online

Download Application Forms

For further information contact Prajna Capital on 94 8300 8300 by leaving a missed call

---------------------------------------------

Leave your comment with mail ID and we will answer them

OR

You can write to us at

PrajnaCapital [at] Gmail [dot] Com

OR

Leave a missed Call on 94 8300 8300

-----------------------------------------------

Popular posts from this blog

Stocks with a high dividend yield

Buy Gold Mutual Funds Invest Mutual Funds Online Download Tax Saving Mutual Fund Application Forms Call 0 94 8300 8300 (India) Stocks with a high-dividend yield can provide investors additional cash flow. More importantly, it is tax-free   With April 2011 just over, the 'earnings season' is well and truly here. This is the time most companies pay out a portion of their profits as dividends to shareholders. Since dividends are tax-free, they are an attractive income source with a select class of investors, who depend on these for additional cash flow. SIGNIFICANCE A company doing well and generating profits will usually be in a position to declare dividends regularly. Hence, a key parameter one should look at whilst investing in a stock is whether the company has a good dividend record. Typically, dividend yield stocks are large-caps and generally not capital-intensive. This is suggestive of the fact that the downside risk on...
Read more

Mutual Fund Review: Religare Tax Plan

Tax Plan is one of the better performing schemes from Religare Asset Management. Existing investors can redeem their investment after three years. But given the scheme's performance, they can continue to stay invested   Given the mandated lock-in period of three years, tax saving schemes give the fund manager the leeway to invest in ideas that may take time to nurture. Religare Tax Plan's investment ideas revolve around 'High Growth', which the fund manager has aimed to achieve by digging out promising stories/businesses in the mid-cap segment. Within the space, consumer staples has been the centre of attention for the last couple of years and can be seen as one of the key reasons for the scheme's outperformance as compared to the broader market. It has, however, tweaked its focus and reduced exposure in midcaps as they were commanding a high premium. The strategy seems to have worked as it returned a 22% gain last year. Religare Tax Plan has outperformed BSE 100...
Read more

Systematic withdrawal plan

  Start Systematic withdrawal plan Online Although an SWP gives you regular income and saves on taxes in the long term, you cannot open an SWP on a scheme where you have an ongoing SIP   iStockPhoto If you are planning to take a sabbatical from work or are retiring soon, you may be looking at different investment options that give a regular income. Usually, a lump sum is invested to get regular fixed amounts later. Popular products include post office monthly income scheme, Senior Citizens' Savings Scheme and monthly income plans (MIPs). A lesser known option is the systematic withdrawal plan (SWP) in mutual funds. Recently, some funds have even removed the exit load on SWPs if you were to withdraw up to 15-20% in the first year, to encourage people who want to start investing in this instrument. Here is a look at what an SWP is. WHAT IS SWP? Many of us would be familiar with a systematic investment plan (SIP ), where a corpus ...
Read more

Nifty F&O

  1. What is a straddle? A strategy using Nifty options usually before a major event or when one is uncertain of market direction. Comprises purchase of a Nifty call and put option of the same strike price. Usually strikes are purchased closer to the level of the underlying index. 2. What is better ­ buying or selling a straddle? It depends.Implied volatili ty of options, or near-term expectations of price swings in an un derlier like Nifty , usually peaks before an event and falls when the outcome plays out ­ like Infy re sults in past years. However, once the event plays out, a sharp rise or fall in Nifty could result in price of the straddle rising ­ benefiting buy ers. But, normally , those who sell or write options charge hefty premiums from buyers in the hope that fall in volatility would ensure the options end out-of-the-money, hurting buyers. 3. So, do straddle sellers end up winning most of the time? Yes. That's invariably the case when market volatility is trending on the...
Read more

JP Morgan launches Emerging Markets Opportunities Equity Offshore Fund

Download Tax Saving Mutual Fund Application Forms Invest In Tax Saving Mutual Funds Online Buy Gold Mutual Funds Leave a missed Call on 94 8300 8300 JP Morgan launches Emerging Markets Opportunities Equity Offshore Fund    The new fund offer opens for subscription on 16 th June and closes on 30 th June. JP Morgan Mutual Fund today announced the launch of its open end fund of fund called Emerging Markets Opportunities Equity Offshore Fund. The fund will invest in an aggressively managed portfolio of emerging market companies in the underlying fund - JPMorgan Funds - Emerging Markets Opportunities Fund, says a JP Morgan press release. Noriko Kuroki, Client Portfolio Manager, Global Emerging Markets Team (Singapore), JPMAM said, "Emerging markets have been out of favour for several years, as growth decelerated and earnings struggled. However, in a world of globalisation, we believe that EM will eventually re-couple with DM, leading to the long-aw...
Read more
Related Posts Plugin for WordPress, Blogger...
Invest in Tax Saving Mutual Funds Download Any Applications
Transact Mutual Funds Online Invest Online
Buy Gold Mutual Funds Invest Now