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Low Risk Investment: PPF, FD, RD

  My last post was about various types of investment. In this post you will get brief about PPF, FD & RD Below listed type of investment is less risky as compare to investment in stock & mutual fund hence returns from this investment is also low.   A)   Public Provident Fund (PPF)   Why it is popular? It is used by most of the individual as tax-saving schemes Where to open? It can be opened in a designated post office or a bank branch. It can also be opened online with few banks. Minimum & Maximum amount? Minimum amount to keep account active is Rs 500 & Maximum amount that can be deposited in a Financial year is Rs 1.5 Lakh . Bhai Interest kitna milega? Approx. 7.1% per annum (as of April 2020). Good News!!! Interest tax free hai. Advantage 1.        Avail loan from third year onwards. 2.        Your money is absolutely safe. 3.     ...
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Investment Strategies

  No explanations why we need to invest? I think covid pandemic has taught us the value of saving & investment. I had came across many people who want to invest, but still confuse where & how to invest. There are basically various types of investment. What type of investment 💲  suits you entirely depends upon how much risk you willing to take. 1. Physical Assets: It means investment in real estate gold/ Jewellry, commodities etc. 2. Financial Assets: Investment in Fixed Deposits with bank, post office, insurance, PPF, Pension fund,      shares, bonds, debentures etc. Nowadays investment through mutual fund is growing in rapid speed. A small advice if you are beginner than before directly investing in share market, invest in mutual fund it will give you small idea how share market works.
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How often should we churn our mutual fund portfolio?

Lot of investor ask there Mutual fund agent's about churning their portfolio regularly because the market is not doing well- like in the recent times. When the Russia/ Ukraine war started, a lot of portfolios went negative and investors started calling with the concerns about their portfolio and schemes which are not doing well- like the smallcap funds, midcap funds & global funds. Pic from -https://www.pexels.com/ A Small Example: If our son is not faring well in studies and getting lower marks compared to his previous marks, what should we do? Should we tell him to get out of the house because he has not fared well in  his studies or should we tell him stop going to the school permanently or should we change his school? No, we would not do any of the above things because our job as a parents is to nurture our child and not demoralize him otherwise he will never be able to perform well in future. As parents we should try to find out the root cause of his getting low marks, kee...
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