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MMM SCHOOL
Investment Schemes
Multiply your money in choosing right schemes
Power of compounding the the key formula for growing money. If we want to grow our money faster we have to choose the right investment schemes that provide safety as well as higher returns in short period of time. By learning about various investment schemes it become easier for us to choose the best one for our financial plan. Never always look for higher returns and never park all your hard earned money in one scheme. It is a good method to keep separate basket of investment for separate goals.
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Basic Things to Keep in Mind Before Investing
1. Goals & Expected Returns
There is a purpose for which you want to invest, which can be anything from creating a retirement corpus, for the marriage of children, buying a house, vacation or luxury car. Knowing the goals and the money needed helps you plan realistically and keeps you committed on your investment track. Further, when you know your goals, then selecting investment options becomes easy. In a sense, you know the returns given by each option and the kind of investment you need to pick in order to reach the goals.
2. Investment Period
Returns or earning cannot happen overnight. You need to look for matching time period where the money can grow sufficiently to fulfil your desired goal.
3. Risk Factor
Even after knowing goals you should not invest hastily on the assets giving highest returns or assets with the lowest time period. Because of the risk factors and risk-taking abilities. Both factors differ from person to person.
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Investment Schemes
1. Stock Investment
Stock investment is one of the most preferred investment options due to the high return potential. As the stock investments carry a little higher risk and hence are also capable of generating high returns. You can expect an annual return of 15% – 18%, if you know the art of investing in the right stocks at the right time.
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2. Public Provident Fund (PPF)
Apart from your regular pension contribution, an investment in PPF account can save lots of tax as all the deposits made are deductible under section 80C. Further, all the accumulated principal and interest are exempted from tax at the time of withdrawal.