Best Way to Invest Your Money

आपका पैसा निवेश करने का सबसे अच्छा तरीका क्या है??? [Click here to read in Hindi]

We earn money and wish to save it for our future. If you will keep it in your bank account then you will not get enough rate of interest. Do not invest your money any fake money making plans/schemes. With the continuation of my previous article "Do You Also Want to Earn Money Quickly???" What are the best investments to make money? Here are best options/tips to Invest your money so that it would be safe and you can make some profit on the investment.

1. Systematic investment account/plans 

It allows investors invest small amounts periodically instead of lump sums. The frequency of investment is usually weekly, monthly or quarterly. You can choose as per your convenient. It gives good rate of return in long term.

2. Mutual funds investment

Mutual funds are subject to market risk so need to read documents carefully before investing. In which kind of investment you should invest it depends upon your requirement and risk taking capability. There are mainly four kinds of mutual funds investments are available with their objectives.

Debt fund: These funds invest in fixed-income securities. Debt funds are typically low-risk funds.

Equity fund: These are funds that invest exclusively in the stocks of domestic companies listed on stock exchanges. These are categorized as high-risk funds. If you can’t take high risk then you should not invest in the Equity. More risk more profit it the marketing strategy. But investor should invest carefully. There are tax benefits associated with Mutual Funds. You need to invest in Equity Linked Savings Schemes (ELSS) of Mutual Funds for the it.

Money market fund: These are mainly meant for investors looking for easy liquidity and returns in the short-term. These are low risk funds and if you need money then you can liquidate it. These funds invest in money market instruments such as Treasury bills (T-Bills), Commercial Papers (CPs), Repurchase Agreements (Repo) and government securities. These are also called low-risk funds.

Hybrid or balanced fund: These funds invest in both fixed-income securities (debt) and stocks (equities) so these are called balanced funds as it is mixup of both fixed and Equity.

3. Unit Linked Insurance Plans (ULIPs)

There are some Insurance plans available which invests your money in debt and equities markets. Investment returns linked with the sharemarket and it calculate by net asset value (NAV). ULIPs provides options to invest your money to debt fund or equity fund. It also covers life insurance of the investor.

4. Bonds

Typically corporate or governmental entities raise money by issuing bonds. These are available as individual bonds or exchange-traded fund [ETF / ETF Gold]. You can purchase it from your share broker or from online. Maturity date will be mentioned on the bond. Debt holders [bondholders] gets interest every year on it and original amount at the end of the maturity. 

5. Investment in metals

It was also a good way of investing your money. The value of metals rises when other investment values like stock market drops. But you need to keep it safe. Now a days you can purchase gold in soft form called e-Gold. It will be keep in your investment account, you can see online price and sale it any time.

6. Investment in properties

Investing in real estate is another popular type of investment. I would suggest to do real estate investment by checking locations and verification of papers [authenticity of papers of the property]. You can purchase homes/shops. You can also give at rent and after some days sell it at a higher price. 

7. Public Provident Fund (PPF)

If you are in job then your company automatically deduct PPF from your salary. You can also invest more in the PPF. You can open an another account to deposit flexible amount in this account. PPF contribution is eligible for tax deductions under Section 80C of the Income Tax Act.

8. Investment in stock market

If you are having high risk taking capability then you can directly invest in the share market.  There are many online stock market trading websites to do share trading. You need to open a DP account [brokerage account] with them. You can buy/sell stocks online with some tips/advices provided by your broker. 

9. Bank deposits

You can open a bank account to invest in the fix deposit. It is also called traditional investments. These are safe kind of investments but rate of return will be quite low.

10. Post office saving schemes

In the post office also there are many traditional saving plans available with low risk factor. Like in the banks fixed deposits here are also interest rates are quite low. There are many retirement plans available in which after one time investment you can get regular income on retirement.

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All the Best!

Are you Having a Sweet Baby Girl???

क्या आपकी एक प्यारी बेटी है???

A baby is dream of every couple. When a baby borns then all in the family members get promoted automatically. One promoted to father, someone to mother, brother, grandfather, grandmother etc. These changes in the relationships will be same in case of either a baby boy or baby girl borns. A cute innocent baby does not know about means of these relations then gender inequality exists in our society?

Unfortunately, In our society there is a gender inequality today. This gender discrimination starts from home and reach up to every field upto at work. Everyone looks for a boy child instead of a girl child. Sex Ratio in India currently stands at 945 females available for every 1000 males. Effects of gender discrimination in society will be dangerous for future. If this situation will be continue then many boys will remain unmarried as they will not find suitable match for them. Government of India is also running many programs to save and educate a girl child. One of their programs are "Beti Bachao, Beti Parao" [बेटी बचाओ-बेटी पढ़ाओ].

Data for India's Population in 2017:

Current Sex Ratio in India 2017	945 females for every 1,000 males
Sex Ratio in India (Yearly)	944 (2016), 943 (2015), 942 (2014), 941 (2013), 940 (2012)
Total No. of Males in India	696,865,635 (696 million - Jan, 2017)
Total No. of Females in India	652,603,061 (652 million - Jan, 2017)

If you have a girl child then it's responsibility to understand that if you will do gender inequality then society will also follow the same for your child. 

If a baby girl has been born at your home then follow below mentioned new culture without any hesitation, you should be a game changer for the society. Believe it works and it will make your family as Happy Family [Also read Are you in Happy Married Life???].

Distribute Sweets

Its starting when a 'Goddess Lakshmi' came to your home. Distribute sweets and celebrate same like you does on the birth of a baby boy. 

Thank You God

You should thank to the God after getting a healthy baby. There are many couples who does not even get any baby due to fertility problems and treated their self with the hope of a child. So you are lucky. 

Single Child

Inflation rate is very high and increasing day by day. Its hard to manage expenditures of a single child so drop plan for another child. Nurture your single child with everything whatever can do. Give your family a quality time. If you will have more children then you will be more busy and even not able to give enough time to your family because you have to earn more money for them.

Celebrate birthday

Every year you should celebrate birthday of your daughter as per your capacity. Give chocolates, candies to your daughter to distribute in the school. She should feel special. Give her birthday gifts.

Education planning

If you will have a single child then you can educate her in a good city school. Today is competition time you should give quality time to your kids and guide them what to do in future [Also read "Do you Know How Your Child be a Good Learner???"]. Plan their schooling and higher studies. Start saving accordingly.

Marriage planning

If your daughter will be educated and well qualified then there would not be any problem for her marriage. But you should plan for the future expenditures and start saving since her birth. Small savings on regular basis gives a huge returns. Indian government has also started a saving plan called "Sukanya Samriddhi Accounts" for a girl child. You can be open account up to age of 10 years only from the date of birth and can be closed after completion of 21 years. For more details you can visit Post Office Saving Schemes.

Self defense training

You cannot be always with your child. Give some self defense training to your daughter. Self-defense is the use of physical force to counter an immediate threat of violence.

Investments & Savings

There are many options for investing in, the child plans, mutual funds, debt instruments. It is advisable that start investing as early as possible. Your small investments can give you a good return; which would help you to manage your all future expenditures without any issue. Beware from phishing; some times people get stucked into phishing [also ready Do you Want to Earn Quick Money???] whenever they thought to earn quick money and lose their hard core money as well. Invest your money in best investment plans available in the market which will give you best returns and you money will be safe.

• Traditional Investments Fixed deposits or Recurring deposits are traditional kind of Investments. These are secure but rate of interest is comparatively lower than other kind of investments.
• Child plans Many finance companies are having many Investment plans called child investment plans, child education plan, child education bonds etc. There are also one time investment plan for child, you can invest in it and need to worry about their eduction. You can purchase child plans from ICICI financing corporation ltd., HDFC, Aviva fund etc. You can invest in these plans for a specific purpose like for kids’s higher studies or marriage etc.
• Mutual funds Many mutual fund investment have children-specific schemes, which focus the investment into a judicious combination of debt and equity with the emphasis on capital preservation with moderate returns. These are typically long-term funds with an investment horizon of 9-10 years. 
• Debt instruments This is one of the safest avenues to save for your girl child, with capital being more or less secure. One of the best options is to go in for a PPF when your child is very young. Debt mutual funds are other options that one can pursue. [Also read "Best Way to Invest Your Money"]

Today we talks about women empowerment. A Indian girl Kalpna Chawla set an example for us. She was an American astronaut and the first woman of Indian origin in space [Read more on “https://en.wikipedia.org/wiki/Kalpana_Chawla”]. She can do this miracle then why your daughter can’t do. We are also proud of Manushi Chhillar, who has won Miss World Crown in November 2017. Just need to change your thinking. Need to take a step to nurture a small plant to grow as a tree. 

All the Best!

Articles of your interests:

Are You also Having Siblings child?

How to Become Perfect Parents?

Do you Know How Your Child be a Good Learner?

List of Baby Girl Names with their Meanings

Are you Having a Sweet Baby Girl?

Are You in Happy Married Life?

How to Develop Your Child's Brain?

How to Care for Your Sick Child?

Have You Taught Your Children Concept of "Good Touch, Bad Touch"?

List of Baby Boy Names with their Meanings

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