Most of us are wondering now a days where is the opportunity for investment ? as the major investment opportunity which every one believes, Equity markets, are down. since last few years it has given negative or very less returns. So you are very much confused now.
Questions :
Gold had moved up to such a level that it is a question weather to take entry to this level is right or wrong ?
Equity markets are down, there is no scope for any recovery soon ...?
FD is a option where it gives fixed returns however it fails to beat inflation.
Real estate is looks to be good investment but it requires lot of money to pump in ....
lot of questions.......
Solution:
Here we have to look not only about the opportunity but towards the requirement of the invested money from today , So that it helps you to put a tenure on the investment. so depending on the basis of tenure to the investment it can be braked in to three groups.
1. Long term : 7 years and above.
2. Mid term : Between 3 to 7 years.
3. Short term : less than 3 years.
How to plan for investment ?
Depending on the basis of the tenure of the investment we can take a decision on investment in this volatile situations also.
Short term Investment :
For this you have to select Debt instruments wisely . you have a options to go for FD's or RD's or Debt funds , out of these three choices Debt fund proves better because of its distinct benefit.
1. You can invest in small amounts as per the availability of money.
2. It is a tax efficient investment because as you can claim indexation which we cannot claim for FD so you can earn good returns over FD in Debt funds and these funds ( if invested in gilt ) are as safe as FD's.
3. You can choose from Short term or long term funds as per the requirement of Money.
This will help you protect your capital and gt some good returns.
Long term investment :
For long term invest the equity markets are very attractive today and in coming one year may be be getting good opportunities to buy shares at good rates which will give you very good results in years to come but for taking entry in to shares requires lot of self study and research, don't buy on friend's or relative's or Broker's call. If not possible to you then you can go with MF's , SIP in MF's will turn out good in long run.
As well as real estate in developing areas may fetch you good returns in long run.
Mid term Investment :
In mid term you should have combination of Debt and equity so when you are moving from 3rd year to 7 th year's investment your exposure to equity should increase gradually from 0% to 100%.
Gold can be used to balance the portfolio but the investment should not be more than 10% of your total investment portfolio.
Your views and questions are welcome :)
About the author : Ashish Ramesh Bhave is a CERTIFIED FINANCIAL PLANNER, focused and specialized in financial planing for individuals and families. Can be reached at arbfinancials@gmail.com or Cell : 08793107044
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