Give proper Direction to Financial Planning

At only 30 years old you are planning to invest so it is quite commendable . You have enough time to accomplish your goals . If you have made the investment strategy, but it is in the right direction . The first 6 months of expenditure created the Emergency Fund . After that you have enough to cover only 50 million rupees , its review. Thereafter the interest of safety of the family take a family floater plan . The 30- year retirement to raise Rs 2 crore have to invest Rs 6,000 per month . 5 years at home for years to achieve Rs 6-7 lakh to Rs 6,000 per month to be invested . LIC's Jeevan policy can stop and enjoy the simple life , and put the money in a fund may be appropriate.

You only have 8 years to achieve the goal of retirement . So, you need to reshuffle their portfolios significantly . Starts at Rs 2,000 to RD icici

Balanced Fund . PPF investment is right Keep it up . Further review of mutual funds in the portfolio , the fund not right , leave him . With the right strategy continue to upgrade existing investment objective will be achieved .

 Set your goals before investing . After the deadline set goals and then make the same investment strategy . If you 're confused about investments can also take the help of a financial planner . Balancing risk and profitability of the asset allocation remains . The first 10 times the annual income of the Plan provides for an equivalent amount . Apollo Munich and Max Bupa Health Plan as the Plan may choose .

Some Tips For New Mutual Fund Investors

First time investors in mutual funds to invest in conditions of incomplete information , and mostly they are affected by incoming uncertainties . But investing in mutual fund market timing are more important things should be kept in mind .

First, take care

An ambitious unit holder should first decide how he 's Portfolio ( Portfolio ) wants to build . In other words, should the decision to grant him the right to own property . These asset allocation (asset allocation) is called . Asset allocation is the way that it determines how you put your money in various investments which are appropriate mix of asset classes .

Asset allocation rules that limited the investor 's age , the percentage of your portfolio should have as much money as your age . For example - if the investor is 25 years old, a 25 % debt (debt instrument) and the need to balance equity .

In reality , each person is different according to the different circumstances and financial condition may be needed investment allocation . To understand asset allocation , you should be aware of many factors - such as age , occupation , number of family members , etc. to you . In general, the more you are young you can equally risky investments which yielded better returns .

How to select the right fund

Remember to select the right fund - the key to choosing the right funds and their investment theory depends on the stability of returns . You choose the right fund is suitable for your needs , consider the following points to ensure that :

• Set your financial goals .

• you are investing for your retirement ?  enough for their child's education ? , Or for current income ?

• Consider your time frame . Do you want money in three months or three years ? , The more detailed your schedule , the more exposure you will be able to raise investment .

• What do you think about taking risks ? The possibility of higher returns you to the ups and downs of the stock market are in a position to tolerate ? You Must your own risk appetite should know about , a guide to choosing the right plan can be invested . Remember , without concern for potential returns if you are not comfortable with a particular asset class, then you should consider other investment options .

• Keep in mind - all these factors have a direct impact on the funds you choose and affecting the returns you expect to receive .








Fund candy

• Diversified Equity Fund
• Index Fund
• Opportunities Fund
• Mid Cap Fund
• Equity Linked Saving Schemes
• Sector funds such as auto , Health Care , FMCG , banking , I. T etc.
• Balanced funds invest 100% in equity for those who want to risk


( If chosen correctly, then the Top may perform better than other asset classes ) .


If you dare to take the risk with a long -term investor returns and are looking to beat inflation and equity funds is a top choice . Equity and equity oriented mutual fund schemes of various kinds (see Fund candy ) serves . Diversified fund investments would be appropriate to start with and gradually the area of ​​credit risk and you can also ventured into the special fund .

Track

Czech fill in application forms and write just is not enough . How your investments are performing , it is equally important to keep an eye on . A qualified and professional investment advisor , you make the right decisions and measure the performance of your investments may help both . Additionally , you should also know that you own with little help, how can these sources .

Fact sheets and newsletters

Mutual fund fact sheet and newsletter published monthly and quarterly information including the Portfolio , the Fund managed by the Report on Plans and their performance of figurs .

Newspapers

The sale of mutual fund schemes in the pages of newspapers , NAV and redemption price information. Also there are other economic analyzes and reports .

Remember

It is important to check the information for you . Thoङa little time to get it , you just have to spend to analyze and understand information . To increase your chances of investment success is required . If you spend your time making money, he spent a cent on it then it will be good start . Most of these funds in order to choose the right bike with the help of a professional adviser to the SIP ( Systematic Invest Plan ), STP ( Systematic Transfer Plan ) , and time to get the right mix of investments .

Essential tips for retirement planning

Since we have an additional advantage for the job or we are not ready for this. However, one should keep in mind that retirement planning is associated not only with managing money.

More than money retirement planning for this should how quiet moments of your life are over.

You are going to spend your free time?
Which places would you visit?
How do you resolve health problems?
The capital you have accumulated, it would dispense with what?
Finally, what will be your source of income?
   


After retirement, you can make all your wishes are fulfilled.

Please complete your hobby - a hobby that will not only help you pass the time, but you also have the opportunity to enhance their skills and their properties. To revive an old hobby or join a hobby class can be quite a good choice.

Plan a trip - their jobs during most of us find that we want to walk around the many sights.

Focus on your health - if you have health insurance get some ignoring your retirement life can become clogged.

If you take 4 years of post-retirement health policy within a pre - exiting disease will not be covered. So it is better that retirement planning is already thinking about when you keep health insurance.

Write down your legacy - an important thing to do after you have accumulated enough capital required - to divide assets for your loved ones. However, this way of thinking in India is much lower ones. Their living from the rich, wealthy people are not divided property.

Planning to go to the regular income

Keep some general things about it

The capital is already his son - daughter, relatives, trust, give it to the temple. Through his will, your property may be preferable strategy.

Do not use new - after his retirement, the remaining capital stock exchange, commodities Avoid planting experiment.

Retirement Planing.

After retirement, your life should be peaceful and full of enthusiasm. If your retirement planning is not correct then you will not live to fix these golden moments. Follow the above things, your retirement in comfort, of course, bloody life.

know About You What Type Of Investor You Are...

The same applies to the world of investing is simple decision

 The first of the three basic principles of investment theory is that art has to choose between investment risk and profitability. Unfortunately, most investors fall into the temptation to earn lots of profits. By the way, should be the contrary, the investor should always be aware of the risks associated with investing. The investment risk means the risk arising from future damage. Return on investment is usually proportionate to the risk. Expect more profitable and less risky than the risk the possibility of lower profits. The third thing is to understand the liquidity of their investment.

Which category you:

Neutral investor: This is what Monsieur caught in the web of data without investment knowledge and want to invest for the long term. Most investors fall into this category. Investment in People 'passive buy and hold strategy taken.

General Investors: These are the people who invest without knowledge and avoiding long wide data you want to invest for the long term. These people market fluctuation is aware of the long-term well take advantage of it indirectly. However, it is well known that these particular bonds and shares her knowledge is limited.

Take a simple strategy for these risks, earn huge profits or be ready for a big shock.

OFS Reserved For Ordinary Investors

The share of public sector involvement in the sale of ordinary investors have agreed. Especially in these companies to be sold through auctions of equity investors in the retail part of the reserve is to be considered. About capital market regulator Sebi and the Finance Ministry to reserve five per cent is broadly agreed.

Government disinvestment in hopes of better prices offered for sale in several previous cases [Ofs] have adopted the path. 35 PSU disinvestment and 43 thousand crore through this route has been obtained. The investors bid for shares. And a large share of institutional investors in the process of disinvestment more. So, retail investors can not compete with them in terms of the bid. The price at which large institutional investors and retail investors bid bid against him is weak. Therefore, the participation of retail investors in the issue is extremely limited.

Sources in the PSU disinvestment of five per cent of the total equity for retail investors might decide to keep the book. Generally, public issue [IPO and FPO] 35 per cent for retail investors are retained. But there is no such system in Ofs. Retail investors are allowed to invest Rs two lakh such proposals. But 25 per cent for mutual funds and insurance companies are retained. In this case the decision is not yet final. Soon Sebi board will consider this issue and will issue the necessary guidelines.

Chit fund companies take any irregularity Battle is your rights as an investor

Chit fund companies take any irregularity your rights as an investor are quite limited.

Broadly, these companies under the Ministry of Corporate Affairs Amount are registered as a company. They continue to take deposits from the general public, so the RBI as other banking company has created a separate category for them. Even then there's no guarantee your money will be back. It is advisable that you make note of chit fund invests in some time. No limit to be accepted by chit fund deposit, so these companies are affected by the investment fund not wise to proceed.

You may file a complaint with the Ministry of Corporate Affairs, but not much in the hands of the Ministry.will take time. Otherwise the same security precautions that are responsible only for their decisions.

Investment and saving methods For Financial planning

Financial planning is needed at every step in life. Without proper financial strategy is impossible to attain financial goals. Financial planning should think about every person at a young age, in order to meet future financial needs easily. The Financial Planning regularly each person makes to investment.








While each individual investment strategy from the beginning of their young age should get the benefit in the future.

Investment and saving methods -


The person should have their credit card bills paid on time. Because later on not paying bills on time, pay more than the original payment. An efficient financial strategist should always avoid such situations.


This step is extremely important for an investor that he is right and control your expenses to budget. It can be the foundation for investment. Also, a true investor should always control their expenses, the non-essential expenditure should bridle.


Person before a set amount each month should be deposited in your account. Continue the process of investment, the amount of the deposit should not meet your regular expenses. The future because that is helpful in achieving financial goals.

Cheaper than taking the expensive car or bike, the best should be to buy an old car. Spend more money in the investment objective of the new car is shaking. Also attractive discounts to boost their investment and goods on behalf of the visiting either non-essential should not draw.

Complete information associated with mutual fund

But investing in mutual fund market timing are more important than things should be kept in mind.



An ambitious unit holder should first decide how he's Portfolio (Portfolio) wants to build. In other words, should decide to grant him the right to own property. These asset allocation (asset allocation) is called.

Asset allocation rule that says property investors who are too old, the percentage of your portfolio should have as much money as your age. For example - if the investor is 25 years old, a 25% debt (debt instrument) and the need to balance equity.

However, in reality, each person is different according to the different circumstances and financial condition may be needed investment allocation. Understand asset allocation, you should be aware of the many factors - such as age, occupation, number of family members, etc. to you. Generally the more you are young you can put as much riskier investments which you get better returns.



Remember to select the right fund - the key to choosing the right funds and their investment theory depends on the stability of returns. You choose the right fund is suitable for your needs, consider the following points to make sure that:

• Set your financial goals.

• you are investing for your retirement? Or experience their child's education?, Or for current income?

• Consider your time frame. Do you need money in a time of three months or three years? , As wide as your time will be eligible to take more risk in the investment.

• What do you think about taking risks? Remember, without having to worry about potential returns if you are not comfortable with a particular asset class, then you should consider other investment options.

• Keep in mind - these are all factors affecting direct impact on the funds you choose and what return you expect to receive.
 Fund candy

• Diversified Equity Fund
• Index Fund
• Opportunities Fund
• Mid Cap Fund
• Equity Linked Saving Schemes
• sector funds such as auto, Health Care, FMCG, banking, etc. I. T
• Balanced Fund invests in equity for those who want to risk 100%

Different types of mutual funds and equity-based plans (see Fund candy) serves. Diversified fund investments would be reasonable to begin with and gradually the area of ​​credit risk and you can also ventured into the special fund.

Just fill in the application form is not enough to write and Czech. How your investments are performing, it is equally important to keep an eye on. A qualified and professional investment adviser you make the right decisions and measure the performance of your investments may help both. Additionally you should also know that you own with little help how can these sources.



Mutual fund fact sheet and newsletter published monthly and quarterly information including the portfolio, and performance of schemes managed by the Fund Manager Ankङon report is published.



Website of mutual fund performance statistics, daily NAV (net asset value), Fund Fact Sheet, which provides quarterly newsletters and press clippings etc.. The Association of Mutual Fund in India (AMFI) website also contains information about daily and historical NAV has other plans.



Sale of mutual fund schemes in the pages of newspapers, NAV and redemption price information. Also there are other economic analyzes and reports.



The information is very important to keep accurate information for you. Thoङa bit to get it, you just have to spend the time to analyze and understand information. Your investment is needed to improve the chances of success. If he spends as much time as you earn money to spend a cent on it, then it would be a good start. Most of these funds is a professional consultant help choosing the right bike for the SIP (Systematic Invest Plan), STP (Systematic Transfer Plan), and one-time investment to get the right mix.

Unmarried ! Investment tips Specially for You

Perhaps you are one of those people who have recently started working and because their income is low. If you want to buy the latest equipment and a car.


Requirements - Your immediate need is to get married and find a partner.

Life in the Middle Ages -

Your loan to buy the house, which means that the advance payment (ङaun Payment), you will need to save. Your long-term goals in life is to make higher education to their children and for their retirement assets may Adding a key.

The choice of input methods -

Short term (5 years) in short-term investments in which you must choose an investment tool to earn money immediately on money needs (ie liquidity) to raise and lower the risk Pङe. Investing in stocks is not a good option for short term because its yield (return) is extremely unstable and prone everyone says your money.

So instead of limited-term investment for stock mutual funds, fixed deposits and other short-term debt are better choices.

Medium term (5 to 10 years):

But right now you probably will not have the liquidity you can not risk your money with much larger.

Also you can put money in balanced mutual fund.

Long term (10 years) -

Investing in stocks is risky for the short term but in the long term it can provide larger benefits. So equity mutual fund is an option which can be considered.


If you buy insurance at a young age can get you a lower premium benefit.

Earn lots of money from mutual funds

As we know from her family is a person's existence. Family safety, happiness and to meet the needs of the household head has primary responsibility. So every decision he should take interest in your family's future. By resolution of the investment safe and happy you can make your family's future.



Expert says that by investing in mutual fund investing investor may submit a good amount. FD, RD such as investment options than mutual funds get more in return. Although the risk is higher than the limit, but equally profitable growth has been observed. But only to the extent of their exposure to investors in mutual funds investment strategy should make.

Ideal Portfolio -

Expert

the investor must be diversified portfolio. Investors in the portfolio of large-cap, mid-cap and small-cap funds should consist of three. Given the risk level of the Fund, investors can also add to your portfolio.

The investor funds in the portfolio of the Fund should not be 7-9.

Proper Investment is the foundation of the Golden Future for You And Your Family

Financial planning should think about every person at a young age, in order to meet future financial needs easily. The Financial Planning compulsory

 each person makes to investment. While each individual investment strategy from the beginning of their young age should get the benefit in the future.

If the investor is 20 years old, so he could easily take risks for higher returns. Investors should extend their investment in the equity markets should be part of your investment. 3-6 times their monthly income equal share of the emergency should always take into account the bank. The person with the most important is that each investment must take a long-term perspective.


For more returns should invest in equities and mutual funds. The stock, diversified equity funds, sector equity funds and index funds are better choices for investment.


Bond and debt investment funds are a better choice. Government and many private companies are the best available in the bond market. Superior returns can be earned by the investment. The PPF, bank deposits are good options for land investment, although they have reduced returns.

Tax saving tips with investment

But only if we invest to save tax if you are in the 30 percent tax bracket so today we're going to tell you, other than investment 5 ways to save tax.

Food and Gift Coupons including your salary, then you tell us that you do not owe any tax occurs. Every month you get a coupon of around Rs 2,600, your annual savings of Rs 9640.

Similarly, instead, ask the driver to keep themselves to arrange for that. Suppose every month you are putting up a bill of Rs 10,000, the amount increased to Rs 1.20 lakh per annually. The allowance of Rs 33,750 per annually from the office can save you.

And do a job, tell the company car leasing instead of buying the car and add it to those allowances. Included in the rental car allowance is taxed but the tax on the amount, that amount is too small, ie Rs 2000-2500. But you can save up to Rs 2.5 lakh.

Early Investment Planning Will Helps You In retirement

Those relating to retirement plans are in a state of doubt. After all sensible people avoid going to the retirement plan?

Nowadays there are various reasons which is required to be a retirement plan, such as long life span, increasing medical costs, inflation, etc.. Retirement plan even fewer takers.

The investment will support you in old age are as follows: -

Equity - traditionally not considered eligible for the retirement plan, but if you start early so yo can bounce your investments.

Insurance - this is an appropriate means to be used for retirement by design but experts say that it should be used only as a security risk, not as an investment vehicle.



Provident Fund and Government Fund - time favorite choices, our elder old man always believes in these low-risk plan.

Fixed Deposit - safe and reliable, but inflation can lower returns over time.

Mutual Funds - These options are often prescribed. It provides professionals with experience and expertise.

Property - fully encouraged for long-term assets. Especially after the boom in real estate. But everyone does not have the money to invest in it.

The advantages of investing early start

The principal factor is the magic of compound interest. We explain by example.

When comparing the two friends. Sonia and Peter. She starts from Rs 750 every year. He is 15 years old and 15 years after exposure stops and starts.

On the other hand, Peter begins to invest Rs 5,000 every year. At that time, her age is 30 years. He continues to invest up to age 60. Sonia has invested 15 years. Peter has invested thirty years.



Peter on the other side of the 5,000 annual savings of 30 to 60 years old during his will to Rs 25 lakh.

Both deposits will be better than those of their investment. She is able to save more money, the less years. So investment should begin at an early age.

Every year when you invest your money is working for you.