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Investment Planning

Investment Planning. Rtn.K.Raghu Past President Rotary Bangalore Peenya. Investment Planning. Investment Scenario – 2005-2006 Booming Indian Economy Emergence of the Smart Investor

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Investment Planning

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  1. Investment Planning Rtn.K.Raghu Past President Rotary Bangalore Peenya

  2. Investment Planning Investment Scenario – 2005-2006 • Booming Indian Economy • Emergence of the Smart Investor • Investor friendly Capital Markets • Rewarding year for investors in capital markets, mutual funds and real estate • Increased FII participation

  3. Investment Strategy • Develop a habit of small savings • Save for a rainy day since future is uncertain • Pay your liabilities as soon as possible • Plan for your retirement • Create a source for Passive Income eg.Rental Income and Dividend income • Invest in Tax Saving Investment schemes • Spend less than what you earn • Take person interest in Investment decisions

  4. Investment Mix Your investment portfolio should take care of your : • Current needs of your family • Children educational needs • Children’s Marriage • Buying a House • Pension during retirement.

  5. Tips for Investing Safely and Rightly • Don’t make your investment decisions on hear say. • Understand risk factors linked to investments • Review and track your investments periodically. • Buy Insurance for coverage and not tax purposes. • Take the help of an Investment Consultant

  6. Investment Tips for Beginners • Start saving and investing early in life. • Prepare an investment roadmap. • Invest in a diversified portfolio. • Buy insurance for coverage and not tax purposes. • Invest in Stocks if you are prepared to take risks. • Invest in Mutual Funds if you are prepared to take moderate risks. • Have an investment discipline.

  7. Essentials requirements for a Good Investment • Safety • Liquidity • Return

  8. Investment Options • Life Insurance • Post Office Schemes • Equity Shares • Mutual Funds • Company Deposits • Bank Deposits • Real Estate • Gold and Silver

  9. Equity Shares • Capital Appreciation • Bonus Shares • Annual Dividend • Right Shares • Can be pledged as a security • Easy liquidity

  10. Equity Shares - Problems • Changing Market Value. • Uncertain government policies. • No guarantee of profits. • Need for constant monitoring • Oversubscription of IPO’s • Professional Guidance required for making right investment in shares.

  11. Life Insurance • Protects you and your family • Promotes regular savings • Tax Benefits • Earn attractive bonus

  12. Insurance – Do’s and Don'ts • Keep your premiums affordable • Choose a right plan • Don’t over /under insure • Pay premiums on time since partly paid policies are not eligible for bonuses. • Revive Lapsed policies • Keep your spouse informed about your Insurance coverage. • File all the insurance receipts. • Ensure you nominate your spouse. • Consult a good insurance advisor.

  13. Post Office Schemes - Options • Post Office Monthly Income Scheme • National Savings Certificate • Kisan Vikas Patra • Public Provident Fund • Senior Citizens Saving Schemes • 5 year Recurring Deposit • Time Deposits

  14. Post Office Schemes – Features • Backed by Government of India • Tax Benefits • Suitable for small investors • Attractive rate of interest • Liquidity

  15. Mutual Funds • Professionally managed • Diversification of risk • Daily NAV • High Liquidity • Tax Concessions • Freedom of Emotional attachment • Automatic re-investment of Dividend • Freedom from Monitoring and housekeeping

  16. Bank Deposits • High Safety • Low Interest • High Liquidity • Easy to manage

  17. Bank Deposits - Suggestions • Keep Small Deposits – Less than One lakh • Deposits should be in Joint names • Renew Matured Deposits • New Tax benefits from FY 2006-2007 – Rs.1,00,000 under Section 80 C

  18. Mutual Funds - Options • Equity Funds • Bond Funds • Balanced Funds • Tax Exemption Funds • Liquidity Funds

  19. Mutual Funds - Dangers • No guaranteed return • Risk of inefficient management

  20. Real Estate • Agricultural Land • Farmhouses • Urban Land • Residential Property

  21. Real Estate -Advantages • Emotional Satisfaction • Savings of Rent • Huge Capital Appreciation • Tax Incentives • Easy availability of Home Loans

  22. Tax Benefits for InvestmentsUnder Section 80 C – Rs.1,00,000 • Provident Fund • Public Provident Fund • Life Insurance • Pension Funds • Infrastructure Bonds • National Savings Certificate • Kisan Vikas Patra • Equity Linked Savings Scheme

  23. Conclusion • World of investments becoming more interesting, exciting and complicated. • Proliferation of various Investment schemes • Investment Planning is a must for every person.. • Investment Planning thus involves Intelligent analysis, judicious decision making and a strong sense of visualisation.

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