7. Where to
invest?
● Bank
● Insurance
● Financial Institution
● Govt Scheme/ Bond
● Equity
● Landing
● Real Estate
● More??
8. Fixed
Deposit
● Fixed Deposit - What is it?
○ Pros - Guaranteed Income
○ Pros - Total Control on Money
○ Cons - Less Return (2% to 6%)
○ Cons - Sometime Unpredictable Rates
○ Cons - Bound to get less %
○ Pros - Very good for predictable income
○ Cons - No Income Tax Benifits
● Savings+ Account (Auto FD)
● Deposit with Overdraft (OD)
● Bank, Post Office, Financial Institution
● Recurring Deposit (RD), uncle of SIP
9. National
Savings
Certificate
● What is NSC?
○ Pros - Risk Free
○ Pros - Better Rate of Return (8.1%)
○ Pros - Rate wont impact in future
○ Feature - Quarterly Return
○ Feature - Invest from 100₹ to any amount
○ Pro - 80C Tax Benefits
○ Cons - No premature withdraw
○ Pro - Provision to take a loan
11. Senior Citizen
Savings Scheme
● What is it?
● Only applicable to Senior Citizen (55-60 year & 60+)
● Interest Rate - 7.4%
● Payout - Quarterly Payout
● More than FD, and rest of other such scheme
● Lockin - 5 year, extend up to 8 year.
● Investment up to 15,00,000 ₹
● Income is taxable
12. Employee
Provident Fund
● What is it?
● Interest Rate - 8.1%
● You can increase up to 2,50,000 ₹/ year
● Provision Take a loan
● Employee Pension Scheme
● Lockin - 5 active year
● Money locked - sometime few months
13. Public
Provident Fund
● What is it?
● Interest Rate - 7.1%, yearly compound
● No Age limit to open the account
● 15 year locking period, provision to liquidate. Withdraw 50% amount after
7 year.
● Investment limit from 500₹ to 1,50,000₹.
● 100% tax free on realisation.
14. Public Equity
● What is Stocks?
● Variants
○ Large/ Mid/ Small Caps
○ Short/ Long Term
○ Intraday/ Future & Options
15. Mutual Funds
● What is it?
● Variants
○ Public Stocks (Equity funds)
○ Debt Mutual Funds
○ Money Market
○ Growth funds
○ Fixed-maturity funds
○ Pension Funds
○ Public Equity Funds
○ Index Funds
● Systematic Investment Planning (SIP)
16. Private Equity
● What is it?
● Risk hai to ishq hai!
● How to do it? Nuances
● Pros - Potential High Return
● Mostly happening in Tech Startups or Next Generation
Business.
17. Insurance
● Why Insure?
● What to insure?
○ Life i.e. Term Plan
○ Health
○ Assets (Home/ Cars/ Etc)
● Other Insurance i.e. Ulip, Life, Pension etc…
18. Others
● Gold
● Real Estate
○ Agriculture Land
○ Non Agricultural Land
○ Residentials (Rental 1-4%)
○ Commercial (Rental 4-8%)
● Investment Bankers
● Portfolio Manager
20. When to start
investment!
● Today is the best day to start investment!
● How much to invest?
○ Range from 10% to 90%
○ Ideal amount is 30%
● Word of Wisdom
○ Inflation
○ Compounding
○ Consistency
22. What is
practical?
● Divide the investment?
● Golden Rules
○ Real Estate will never go down.
○ Gold will always prevail.
○ Should have good share values in high risk.
○ 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.