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Investment Planning

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What is investment planning?

An Investment means keeping aside money today, to get a higher return in the future.

Investment planning needs to be done based on the risk you are able to handle. If you are risk averse you must invest in fixed income securities. The money you invest is safe and you get interest on it.

You can invest in equity if you like to take risks in your investments. You can invest your money in shares or equity mutual funds to get higher returns, if you are a risk aggressive investor.

How is investment planning done?

If you are a conservative investor, you do not like to lose money. You want your principal invested to remain intact as well as earn interest on it.
These are some of the financial instruments you would consider:

  • Public Provident Fund

  • 5 Year Bank Fixed Deposits

  • National Savings Certificate.

  • Senior citizens savings scheme.

  • Post office monthly income scheme.

Why Investment Planning

Your Emergency Fund

It helps you increase your money which you can set aside for an emergency. You don't need to borrow money to pay the medical bill.

Meet Financial Goals

You can meet financial goals such as holidaying abroad, buying a car or even setting aside money for retirement.


Increase Your Wealth

If you want to become rich, just saving money is not enough. You need to invest. Investing helps you gain the benefits of compounding.

Tax Benefits

If you invest in equity linked saving schemes a type of equity mutual fund, you get tax benefits on your investment.

Key factors to consider for Investment Planning

If you are an aggressive investor you would invest in

Equity Linked Saving Schemes (ELSS) :

If you are willing to bear a very high risk for a very high return, then you must consider an investment in ELSS.

It gives you a high return of around 10-12% if the stock markets do well but can also result in severe losses if the market crashes.

You also enjoy a tax deduction under Section 80 C, up to INR 1.5 Lakhs on the money invested in the ELSS.

ELSS also enjoys "EEE" status which means the money invested in the ELSS, The money accumulated with time and the maturity amount (Withdrawn after 3 years) are free of tax. Since you are forced to invest in the ELSS for at least 3 years you are a long term investor and can get good profits.

You could invest in a Systematic Investment Plan (SIP) of an equity mutual fund

In an SIP a fixed sum of money is deducted each month from your bank account and invested in an equity mutual fund scheme of your choice, on a particular day of the month.

Your money is managed by a Professional Fund Manager. You do not need to time the market. You just spend time in the market.


Concepts & FAQ's Investment Planning

What is Investment Planning?

Investment helps you to create savings and to enhance your money. Investment planning is the strategy to maximize future financial cash flow for future safety.

Investment planning involves evaluating many possible financial options that could be used to secure the desired financial future. A number of investors like to hike their earnings through high-risk investments, at the same time others prefer investing in assets with minimum risk involved. However, the greater part of investors chooses an investment strategy that lies in the middle.

How is Investment Planning Done?

Investment plans require careful study of the financial market. It is the responsibility of the particular individual to make the decisions in order to meet long term financial goals.

  • Decide "How much and in"

  • Decide "Where to invest in"

  • Ascertain the "Source from where the investment could be obtained"

  • Analyze performance of investments made over time

  • Pull out the investments if uncertainty is involved in the process

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Frequently Asked Questions

Why is investment planning essential?

A well developed investment plan can act as the roadmap to your financial goals. So, it is essential to have an investment plan.

What is the difference between financial planning and investment planning?

Investment planning is a part of financial planning which deals with your investment objectives. Financial planning includes all your financial goals like retirement goals, tax planning, estate planning etc.

What is meant by asset allocation?

Asset allocation is the process of dividing investments into different asset categories, such as equities, fixed income and cash, to help to create an optimal portfolio according to your needs and potentially reduce volatility. To know more about Investment Planning, call us on 080 67974000

What is meant by portfolio management?

When pursuing your financial goal, you want to make the most of your money while minimizing potential risk. Portfolio management can help. Portfolio management is a strategy where your money is diversified, or spread across a variety of asset classes, such as equities, fixed income and cash. Since each asset class has a different balance of risk and return, each performs differently over time, helping to reduce potential risk and volatility.

Why do I need an investment plan?

A well developed investment plan can act as the roadmap to your financial goals.

What are the benefits of Investment?

  • Capital Accumulation

  • Family security

  • Standard of living

  • Savings

  • Assets

  • Financial security and stability


Investment Planning Articles

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PPF or NPS: Which One is a Better Investment Tool?

13 November 2019, Wednesday    

It is quite a daunting task to choose the correct retirement planning option. A good retirement and investment tool not only gives great returns on investment but should also be able to generate greater tax benefits and hence maximize the returns. Want to know more about Investment Planning? ....

How to Start Investing for the First Time?

12 November 2019, Tuesday    

If you are a beginner and want to start investing then you may have several questions floating in your head. The most basic one is how to get started? Investment strategies differ from person to person as each tries to achieve different financial goals. However, the below-listed points will help you ....

Why the Rich Pay Lower Taxes Than You Think?

08 November 2019, Friday    

There’s a famous saying, A rupee saved is a rupee earned. Why pay an extra rupee in taxes when you can save it with sound tax planning? This is what the rich do and pay lower taxes than you think. The Government has offered several tax exemptions and tax deductions for you to save tax. You ....


Investment Planning News

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LIC offers Rs 1.25L-cr line of credit to fund projects: Nitin Gadkari

Sunday, July 21, 2019, 1:37 PM

As part of innovative modes of financing to meet India's huge infrastructure appetite, insurance giant LIC has agreed to offer Rs.1.25 lakh crore line of credit by 2024, to fund highway projects, Union Minister Nitin Gadkari said. The Minister said that the line of credit will be used to fund the ambitious Bharatmala project, the revised cost of which has reached Rs.8.41 lakh crore.

345 infra projects show cost overruns of Rs 3.28 lakh crore

Sunday, July 21, 2019, 11:58 AM

As many as 345 infrastructure projects, each worth Rs 150 crore or more, have shown cost overruns to the tune of over Rs 3.28 lakh crore owing to delays and other reasons, a report said. According to the report, the expenditure incurred on these projects till April 2019 is Rs 8,84,906.88 crore, which is 40.94 percent of the anticipated cost of the projects.

Centre approves Rs 1,600 cr for Dibang Multipurpose Project

Thursday, July 18, 2019, 10:13 AM

The Centre approved Rs 1,600 crore for pre-investment activities of the Dibang Multipurpose Project (MPP) in Arunachal Pradesh. The project is envisaged as a storage-based hydro-electric project with flood moderation as the key objective. The decision has been taken at a meeting of the Cabinet Committee on Economic Affairs (CCEA), chaired by Prime Minister Narendra Modi, according to an official statement.


Investment Planning Videos

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Retirement With Property - How To Plan Your Retirement With Property? | CNN News18 | MDS | EP : 300

Retirement With Property - How To Plan Your Retirement With Property? | CNN News18 | MDS | EP : 300

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