GOLD – an warm and excellent investing option

GOLD – an warm and excellent investing option

Since last 30 years price of GOLD material has been raised from two thousand to near about thirty thousand. Day by day it is increasing in demand and price. For predicting to increase in price of gold and gold items people like to buy a little regularly.

Investing in GOLD is a wise and smart decision today because if you want to try for resell it fetches more and ready market. There is no problem to sell gold instantly. Otherwise you can mortgage gold in bank for taking load etc.  It is advised to buy and invest in Gold bars, coins then to Gold items or ornaments because of  loss due to deduction of making charges and processing fees.

Another aspect you have to consider protection and safety  custody of Gold before purchase or invest. HDFC bank, Bank of India, SBI, Punjab National Bank sold Gold coins and biscuits, bars etc.

You may invest in gold  as per yours capacity and became reachy  .

#INVESTINGOLD

Mutual Fund a Secure Investing Option

Mutual Fund

Investing In mutual fund is a wise decision. To avoid excess risk and gain moderate returns to day people like to invest mutual fund than equity share market. Since last five to six years this sector performance has significantly grown upwardly. As per financial advisors Indian economy has grown day by day so as to mutual fund invest also. Hence any body can invest in this sector for a long tem basis. Here is two types of investment one is fixed and other is systematic investment plan or SIP. In second one you can invest monthly or in every three months . in mutual fund you have increase a tendency to invest more and more and invest in each year in the fund. In SIP don’t worry about growth or fall of fiscal market.

In open ended fund you can withdraw your money as you like. In this category gradually and slow return earnings and minimum service charged fund are no doubt good for investment. Every year you have to analysis your portfolio and it’s growth.

Don’t close your fund investing if you are not getting good return. Other way you may divet your investment in sectors creates good return. Tilt specific mutual fund also good for invest. But if you like to invest for 10 years then effort for high risk.

Be sure that your return from mutual funds are tax free and there is no hidden charges before investment. You have to read vividly the offered terms and conditions.

Some popular fund for you; Tata mutual fund, UTI funds ICICI prudential, HDFC mutual fund .

Stock Market

 STOCK MARKET

This is no doubt a risky area of investment. This is under high risk high return category. For since couple of years this sector has reckoned a better rate of growth  in India.  As per financial advisors Indian economy has been growing  day by day. Hence you may invest in log term basis and hope for a better result.

Keep it in mind that if you buy a share or equity and sale it within one year it attracts no Tax. But beyond it if you hold it takes Income tax on returns. Sometimes you may wait 5-7 years for getting good and best return.

You may always try to purchase some share from small enterprises and some from big stars. You may opt for multiple sector like metal, financial or consumer goods or IT sector. Before buying any stock of a company, it’s past record or performance of the company is to be verified.  Preference in stable and sound company may returns good result. Good sectors in this respect are infrastructure, cement, retail, telecom and services. Software and foreign MNC stocks are now available and retrieves a sound growth return.

But is better before to investing having good knowledge in portfolio and share market  is wise or you can take help of a portfolio manager or broker. It is notable that your money should not be increasing rather diminishing.

 Wish you a Happy Investing.

Insurance Sector

Insurance Sector

For Investing Insurance is essentially an important and prominent area of fund investing. Insurance is of various types. Main idea before insurance choice is the money security as well as life security. Mostly it provides financial security to it’s family members those who were nor earning or having no earning capacity. Mainly categories like  life insurance and investment portfolio plans. Purely life insurance plans not only provides life security but also gives well or moderate  return on their investment. But purely portfolio or Unit linked plans , main target is to earn return more and more but having less or nil life security benefit. Various plan under Life Insurance  plans are Money-back policy, Health policy, Retirement plan, Bima Gold, Child career, Double benefit plants , ULIP or Unit Linked Insurance Plans in both Growth and Dividend based are available in market.

In this Sector , you found Life Insurance Company  of India, ICICI Prudential, Met Life, HDFC Standard Life, Tata AIG, Bajaj Allianz  Life, Aviva Life Insurance, Birla Life Insurance, HSBC Canara Life Insurance, Max life , Reliance Life Insurance and many more but at the time of purchasing any plan you must verify it’s IRDA( Insurance Regulatory Authority of India) the only centralized apex  regulatory and approving authority in India for Controlling and regulating Indian Insurance Sector.

You may opt for child plan for secure future life  of your children. For Retirement   benefit you can take  pension plan. Health condition may not be same for every time , that’s why for self and family’s betterment Health Insurance or Mediclaim  insurance plan should  be purchased. In case of Investing purpose plan you have to see the features like flexibility. Means you have the option to withdrawn partial or full from the sum assured if needed.

You may take endowment plan or to money back plan. In traditional endowment plant you have to invest for a fixed period of time and after the expire the period , maturity value will be refunded at a time. But in case of money back plan at a time interval some percentage of their sum assured value will be refunded by way of money back and balance part will be matured in end. But in investment or ULIP policy some sort of risk is there as it is linked with some portfolio or share market and like share market it may grow or loose.

Your premium payment period may be cleared and regularly maintaining is a vital part. Because during locking period  policy might be lapsed due to non payment of  premium. If it is yearly premium payment option it may cheap than monthly term. For payment of premium looking the grace period you may ready to invest beforehand. Be sure, conscious and well known all about features and go for insurance.

Why go for Investment

Why go for Investment

It is most important that why you have to invest in any fund. From the financial point of view, safety of future means investment. You  have to earn some thing by serve to some or to earn by investing your savings. Because money is essential for everybody. You may earn more return by investing in others way than fix it with bank. That depends upon your willingness to take risk and earn more and vice versa. If you yield more it’s good. It is true that each increase in interest or more income means incensement of risk. Choice is wholly up to you. You might to ready or reluctant to take risk. That’s why you have to know vividly about tit bit about every features of  your investing source  , how much to invest in which fund you must be thought beforehand. You may choose insurance sector or mutual fund or stock market.