3. Agenda
â What is investment & Scope of this conversation!
â How to invest & possible ways!
â When/ Why to start investment.
â What is practical?
4. What happen with Money!
Earn
Donate
Spend
Save
Need
Want
Not in
scope
Invest
Not Invest
5. What is our scope!
Earn
Donate
Spend
Save
Need
Want
Not in
scope
Invest
Not Invest
7. Where to
invest?
â Bank
â Insurance
â Financial Institution
â Govt Scheme/ Bond
â Equity
â Landing
â Real Estate
â More??
8. Fixed
Deposit
â Fixed Deposit - What is it?
â Pros - Guaranteed Income
â Pros - Total Control on Money
â Cons - Less Return (2% to 6%)
â Cons - Sometime Unpredictable Rates
â Cons - Bound to get less %
â Pros - Very good for predictable income
â Cons - No Income Tax Benifits
â Savings+ Account (Auto FD)
â Deposit with Overdraft (OD)
â Bank, Post Office, Financial Institution
â Recurring Deposit (RD), uncle of SIP
9. National
Savings
Certificate
â What is NSC?
â Pros - Risk Free
â Pros - Better Rate of Return (8.1%)
â Pros - Rate wont impact in future
â Feature - Quarterly Return
â Feature - Invest from 100âč to any amount
â Pro - 80C Tax Benefits
â Cons - No premature withdraw
â Pro - Provision to take a loan
11. Senior Citizen
Savings Scheme
â What is it?
â Only applicable to Senior Citizen (55-60 year & 60+)
â Interest Rate - 7.4%
â Payout - Quarterly Payout
â More than FD, and rest of other such scheme
â Lockin - 5 year, extend up to 8 year.
â Investment up to 15,00,000 âč
â Income is taxable
12. Employee
Provident Fund
â What is it?
â Interest Rate - 8.1%
â You can increase up to 2,50,000 âč/ year
â Provision Take a loan
â Employee Pension Scheme
â Lockin - 5 active year
â Money locked - sometime few months
13. Public
Provident Fund
â What is it?
â Interest Rate - 7.1%, yearly compound
â No Age limit to open the account
â 15 year locking period, provision to liquidate. Withdraw 50% amount after
7 year.
â Investment limit from 500âč to 1,50,000âč.
â 100% tax free on realisation.
14. Public Equity
â What is Stocks?
â Variants
â Large/ Mid/ Small Caps
â Short/ Long Term
â Intraday/ Future & Options
15. Mutual Funds
â What is it?
â Variants
â Public Stocks (Equity funds)
â Debt Mutual Funds
â Money Market
â Growth funds
â Fixed-maturity funds
â Pension Funds
â Public Equity Funds
â Index Funds
â Systematic Investment Planning (SIP)
16. Private Equity
â What is it?
â Risk hai to ishq hai!
â How to do it? Nuances
â Pros - Potential High Return
â Mostly happening in Tech Startups or Next Generation
Business.
17. Insurance
â Why Insure?
â What to insure?
â Life i.e. Term Plan
â Health
â Assets (Home/ Cars/ Etc)
â Other Insurance i.e. Ulip, Life, Pension etcâŠ
18. Others
â Gold
â Real Estate
â Agriculture Land
â Non Agricultural Land
â Residentials (Rental 1-4%)
â Commercial (Rental 4-8%)
â Investment Bankers
â Portfolio Manager
20. When to start
investment!
â Today is the best day to start investment!
â How much to invest?
â Range from 10% to 90%
â Ideal amount is 30%
â Word of Wisdom
â Inflation
â Compounding
â Consistency
22. What is
practical?
â Divide the investment?
â Golden Rules
â Real Estate will never go down.
â Gold will always prevail.
â Should have good share values in high risk.
â Stock Market is better option since evolution of financial
market
23. Q & A
What is wealth?
The real measure of our wealth is how
much we'd be worth if we lost all our
money.