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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.

  • Ask Money Doctor

    Hello friend! I am your personal financial advisor. By the end of this interactive session, I will help you to plan yours and your family's finances to ensure a better future.

  • Ask IndianMoney.com Money Doctor
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

  • Ask Money Doctor

    Hello friend! I am your personal financial advisor. By the end of this interactive session, I will help you to plan yours and your family's finances to ensure a better future.

  • Ask IndianMoney.com Money Doctor
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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

Get the Best Financial Advice on Investment Planning Leave a Missed Call @ 022-6181-6111
 

Investment Planning Articles

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Investment Planning News

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Home News
 

IHCL ties up with GIC to invest Rs.4,000 crore in India

Saturday, May 18, 2019, 11:49 AM

Indian Hotels Co. Ltd (IHCL), the owner of the Taj luxury hotel chain, signed a strategic partnership with Singapore's sovereign wealth fund GIC Pte Ltd to jointly invest around Rs.4,000 crore over three years. The investment platform will acquire fully operational hotels in the luxury, upper upscale and upscale segments in India, IHCL said in a filing to the BSE.
Investment Planning General Ihcl Ihcl Gic Deal Ihcl Gic Partnership

Mastercard commits Rs 7,000 crore investment in India in next 5 years

Friday, May 10, 2019, 10:37 AM

Global payments giant Mastercard plans to invest $1 billion in its India operations over the next five years, a top company executive said, and about $350 million of that would go into setting up a local payments processing centre in keeping with the Reserve Bank of India's mandate to store all payments data locally.
Investment Planning Mastercard Investment Global Payment

Ratan Tata Invests in Ola Electric Mobility

Monday, May 6, 2019, 2:50 PM

Ratan Tata, the Chairman Emeritus of Tata Sons, has invested an undisclosed amount in Ola's newly-formed company Ola Electric Mobility as part of its Series A round of funding. Tata is also an early investor in ANI Technologies, Ola's parent company. Ola Electric had raised Rs.400 crore in March this year from Tiger Global, Matrix Partners India and others.
Investment Planning Ola Ratan Tata Investment

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Investment Planning Videos

There is no Shortcut to become RICH, But here is a SECRET.Download the IndianMoney App and Be Wise & Get Rich

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Financial Adviser in Telugu - మనం Financial Advice ఎవరి నుండి తీసుకోవాలి | Money Doctor Show |EP 293

Financial Adviser in Telugu - మనం Financial Advice ఎవరి నుండి తీసుకోవాలి | Money Doctor Show |EP 293

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Investment Planning Education

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Home Education
 

How to do copycat investing in stocks?

Thursday, September 6, 2018, 4:12 PM

You love to imitate the portfolio of a successful investor like Rakesh Jhunjhunwala and track his investments. You keep a close eye on any news/information coming from the stock markets on a buy/sell order placed by this expert investor. You then place the same order, hoping to make a profit from the same set of stocks which this investment guru has invested.
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#4. Walking and Taking Public Transport Is Nothing to Be Ashamed Of

Tuesday, April 17, 2018, 1:58 PM

John Caudwell, David Cheriton, and Chuck Feeney are billionaires you probably haven't heard of, but all three of them walk, ride bikes, or use public transport for the daily commute. It's easy on the bank account, and better for the environment. If these guys aren't ashamed of taking the bus, you shouldn't be either.
Investment Planning Financial Planning Financial Education

#3. You Don't Have to Game the System

Tuesday, April 17, 2018, 1:56 PM

Billionaire Warren-Buffett lives in Omaha, and he made his investment fortune simply on the fundamentals: focusing on companies with strong annual cash-flow, and choosing companies that aren't at risk of technical-obsolescence. Buffett spent the early part of his career investing in insurance companies. It's not sexy, but it obviously worked. Whether you have Rs-5000 to invest or Rs-50,000 sticking with the fundamentals is smart.
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