Money matters
I want to know how & where to invest?
Hot Threads
Darshan Yadav Should I invest in an ULIP or a mutual fund scheme? anyone...pls answer more
Brinda Ghosh SHOULD I invest in these fluctuating markets? more
Topic owner: Meher Dastoor: I want to invest my extra money, but i am not sure where to .. have spoken to few friends and all of them have different suggestions and advices. so i am still confused can anyone please help me out? I want to save for my future and certainly not in banks since they don't offer good interest rates nowadays and i want to multiply my money, can it happen??
Mohammed Salahuddi..
Simple: buy gold the only safe investment. High liquidity. Full Control any time any place. Preferable coins for small value biscuits for high value. Period.
Moun Moun
of course u can multiply your money....I2have invested in a investment plan&have got my money back in20days....now earning profit for the money invested.....if u want details mail me ur id wid ur name on my ID : thecoolwarrior@rediffmail.com
rply at the earliest coz u vl be in loss if u become late.
rply at the earliest coz u vl be in loss if u become late.
Rajesh Kudesia
Keizer Soze,
I got your point to invest in agriculture. I am already doing cultivation of Shatawar & earning Rs2.4 lakhs/ acre in 1.5 year crop. I want to diversify to other crops also so that if Shatawar rates are down I would not lose money as a whole. Can you give details of expenditure/ profit in Aloe & American corn cultivation ?
Regarding equities my opinion is that wheather it is equity or mutual fund, ulip, anything we see the opportunity when it is going. We never see when it is there so I agree with you to invest in agriculture.
I got your point to invest in agriculture. I am already doing cultivation of Shatawar & earning Rs2.4 lakhs/ acre in 1.5 year crop. I want to diversify to other crops also so that if Shatawar rates are down I would not lose money as a whole. Can you give details of expenditure/ profit in Aloe & American corn cultivation ?
Regarding equities my opinion is that wheather it is equity or mutual fund, ulip, anything we see the opportunity when it is going. We never see when it is there so I agree with you to invest in agriculture.
Tapsi Deo
Among sectors, I would prefer telecommunications and health care, which appears undervalued ...
Manish Dhingra
Before investing in 2010, investors may want to consider the fact that the states and the central governments are borrowing and spending like drunken sailors without regard to the long-term effects on the economy.
Sunny Khanna How could you possibly say that spending on Infrastructure projects is "spending like drunken sailors" with no regard to the long term effects on the economy? India badly needs to improve its infrastreucture. There is no such thing as a road to nowhere in India. Put a 100 mile stretch of road just about anywhere in the country, and it will serve about 10 million people along the route (and peole will flock to where the road is). Intrastructure is an INVESTMENT.
Rajyashree Singh
Take a step back...The main stock index in India, the Sensex, is up 80% in local currency YTD. After falling to about 8,000 in March of this year, it has more than doubled and closed at 17,360 on Dec 24th. YTD the index has risen by 81%.
Mitakshara Bhasin Yeah and like me many other investors are now hoping if the Sensex can repeat this incredible performance next year.
Sunny Khanna
I believe commodities will continue to do well, and that includes gold.since commodity stocks look good and i am sure the global demand for commodities will continue its long-term growth.
Chand Babu
Dear Meher,
I think the best investements may be in Gold Biscuits or Pure Gold coin since as on date the gold prices are moving ahead.You can dispose off the gold any time if you feel that the same is non remunerative.or at times you nneed funds for various reasons. It is also safe .
Since you donot want to put the investment in bank because of low interest rates,but you may continue to have fixed deposit linked with your account so that you may either take a loan on FD's by paying 1% above of what interest you are being paid and redeposit the money when ever it is in your hand.The Bank deposit is safe as gold.
Other inverstments are long term and speculative.Like if you invest in Land or property,it may not be disposed off so quickly and much more time may be needed at certain times.
I suggest that 10% or 20% may be invested in mutual funds for a longer time although markets are volatile and uncertain but still to experience there is nothing wrong.Similarly Investment in Insurance sector may be thought of ..
I hope you will definitely be able to take wise decissions after seeing all comments on your topic as you are the master of your money and you need it as safe as possible.
CHAND BABU BAIRATHI JAIPUR RAJASTHAN Consultants business and finance (cbbairathi2938@indiatimes.com)
I think the best investements may be in Gold Biscuits or Pure Gold coin since as on date the gold prices are moving ahead.You can dispose off the gold any time if you feel that the same is non remunerative.or at times you nneed funds for various reasons. It is also safe .
Since you donot want to put the investment in bank because of low interest rates,but you may continue to have fixed deposit linked with your account so that you may either take a loan on FD's by paying 1% above of what interest you are being paid and redeposit the money when ever it is in your hand.The Bank deposit is safe as gold.
Other inverstments are long term and speculative.Like if you invest in Land or property,it may not be disposed off so quickly and much more time may be needed at certain times.
I suggest that 10% or 20% may be invested in mutual funds for a longer time although markets are volatile and uncertain but still to experience there is nothing wrong.Similarly Investment in Insurance sector may be thought of ..
I hope you will definitely be able to take wise decissions after seeing all comments on your topic as you are the master of your money and you need it as safe as possible.
CHAND BABU BAIRATHI JAIPUR RAJASTHAN Consultants business and finance (cbbairathi2938@indiatimes.com)
Keizer Soze
well Meher darling, in India there are only a few sectors that can assure sustainable growth, agriculture is one of them. Buy land and get to farming, no income tax and its subsidized. If you can buy 2-10 acres of fertile land, put in some high value crops lika Aloe, American corn etc. you will make a lot of money and wont be taxed, however being educated dont use old farming techniques, use modern farming techniques and you'll make lot more money than in stocks or any other market. I have seen many millionaires invest in large portfolios and on the long run they neither gain or lose, in most cases they loose. with rising food prices, growing demand for food, farming is a safe bet, besides you'll get a lot of your investments back in the form of subsidies. stop looking for short term profits and shortcuts, all these funds and schemes are nothing more than way to take your money and loose it. short term thinking is what got the world into this economic crisis in the first place. look for long term sustainable future rather than short term gains that have no long term prospects. or you can play the stocks or the commodities markets but you will have to stay in for the long run and the chances of any gain are still questionable. Any scheme that promises you high returns over 20% are hogwash and please dont buy into it. If your fortunate enough to have xtra cash, save up more and buy some cheap land and in India you can find any amount of cheap land.
Subroto Tahabildar thats ....true...
Ramesh Dhawan
You can make good profit by selectively investing in upcoming Biotech stocks. I found this article very informative in this case. http://www.wealthonwire.com/2009/06/inve sting-in-biotech-stocks.html
Raghuveer Shetty
i want to invest in equities but which equity funds can I invest in?
Anil Patil Hi Raghu,
If you want to invest in equities invest in A or B group companies for long time .... then only u will get good returns.
If you want to invest in equities invest in A or B group companies for long time .... then only u will get good returns.
Brinda Ghosh
SHOULD I invest in these fluctuating markets?
Prabhat Pilgaonkar You can overcome problems related to fluctuations in the market by investing at a higher frequency, and staying for a longer period. This requires planning earlier and investing at least for a period of 5 years. This will take care of the market ups and downs during the investment period
Karan Ahuja For your information, fluctuations are a basic nature of the stock market. You cannot wish it away, nor should you avoid the stock market because of the fluctuations.
Archana Kapoor
If your priority is to make short-term profits, then you are more likely to realize this goal by investing in a mutual fund or fixed deposits than a ULIP. while According to most financial planners, every time is a good time to invest in a ULIP, including the current scenario where markets are in recovery mode.
Subroto Tahabildar no....no..archana...i think u got little bit worng...here regarding ulip's . in ulip there is a huge percentage of commission ..for the agent . that why u can find thousand of agent ...for ulip...the commission is up to 30 % . they never tell u about there commission n othere charges. thats why government is trying to introduce some legal law towards that .if u want some more than reply...me..
Darshan Yadav
Should I invest in an ULIP or a mutual fund scheme? anyone...pls answer
Subroto Tahabildar dear darshan... first of all i want to ask u a question... how many agent u find approaching u for ulip ..and mutual fund. i will tell u ...ulip agent ...now why ... beacause...there is a huge percent of commission...for agents...neare about 30 % (i tryed a practical ) they will tell u that u got a insurance as well ...but please stay ur investment and insurance separate ....firstly ...aim ur goal of investment...like set ur priority like home , car, marriage , child , retirement ok......than invest accordingly...if u want short term investment...3 to 6 months ...there is only F.D for that...then if u want to invest 2 to 3 year there in only mutual fund i would recommend u n more than that is to buy a land or plot ..in any area ..near ur city...for insurance go to the office of insurance company...and ask them for a term policy ..!! term policy is low premium n high insurance amount... that sit...
Vivek Paul To a large extent, the choice of whether you want to invest in a ULIP or not, actually depends on your expectation from the product. Most financial planners reiterate that a ULIP is predominantly an insurance product with linkages to the market and should not be used to time the market.
Vivek Paul
Aditya, If you plan to invest in an equity fund in the current scenario then capital gains in your hand is not taxable if you stay invested for more than a year. In the normal course, mutual fund investment should always be for the long term -- I would say, for 3-5 years. Therefore, you should look at investing in the growth option.
If your investment is into a debt product, you should invest in the dividend option. The dividend paid to the investor is tax free while the capital gain is taxable at 30 per cent for the short term and 20 per cent for the long term (plus surcharge and cess as applicable).
If your investment is into a debt product, you should invest in the dividend option. The dividend paid to the investor is tax free while the capital gain is taxable at 30 per cent for the short term and 20 per cent for the long term (plus surcharge and cess as applicable).
Aditya Vikram Chau..
even i want to invest in funds but should I invest in growth or in dividend option?
Karan Ahuja
I think investment is a skill in itself and if you are not sure about it then you should seek an expert's help. I will give you my own strategies and tips. The goden rul of investing is, the more you maximise the return by effectively utilising the money earned or saved by you, the better it will be. you can invest in mutual fund schemes, The longer you stay invested, the better. I would suggest a minimum tenure of 5 years for you to have a decent, steady return on your investment but it also matters what scheme you have chosen, and the time of investing. In mutual funds, the choice of right fund and right timing, is of essence.
