Anilji, Was not sure if my earlier message reached you, so pasting again..
One’s risk taking appetite determines which avenues are good for saving or investing. For example, I think for me, property investment is the best option with very high returns and safety but lot of hard work and stress. However, for smaller amounts, you can go for Systematic Investment Plans by top equity funds. It averages your risks and returns in the medium and long term you will never be a loser given you take a right redemption decision. Well, in terms of debt instruments, I don’t favor them at all as even the highest rate of interest on FDs or bonds are always lesser than your inflation rate so actually value of your money goes on deteriorating. One very important tip which Sameer shared with me, Please don’t keep any money more than say 10,000 in your savings account lying just like that. It depreciates the value of your money. Instruct your bank to keep all the cash in sweep in-sweep out or link fixed deposit as ICICI calls it. In case of ICICI, All you’re your cash in savings account other than your designated amount is converted in to link fixed deposits in the multiples of 5000 and your can earn almost double the return than your savings account or equivalent to fixed deposit while it remains flexible for you to remove them any time or issue check without any penalty. Ideal tenure for this is the highest tenure. Good luck On 3/29/12, jignesh thakur <jigneshthaku...@gmail.com> wrote: > actually if you have knowledge of equity market and you can invest for > long time then it is the best opption. > you can get handsome return in stock market. > but you should have proper knowledge and guidance for this. > > On 3/29/12, Kapil <kapil0...@gmail.com> wrote: >> If u invest say 2000 monthly in any large cap diversify mutual fund like >> HDFC top 200,IDFC premear iquity fund, DSP black rock top 100, etc'. For >> more than 10 years, about 15 percent returns are expected. Whith best >> regard kapil email kapil0...@gmail.com facebook i.d >> kapil.mitt...@facebook.com mobile 09013386781 >> >> -original message- >> Subject: Re: [AI] Savings >> From: "Umesha Economics" <umesha....@gmail.com> >> Date: 29/03/2012 7:03 am >> >> can you give more details about risky high return plans like mutual funds, >> monthly investment plans etc.? >> >> Umesha >> >> ----- Original Message ----- >> From: "Kapil" <kapil0...@gmail.com> >> To: <accessindia@accessindia.org.in> >> Cc: <accesin...@accesindia.org>; <keyboardus...@googlegroups.com> >> Sent: Thursday, 29 March, 2012 3:26 AM >> Subject: Re: [AI] Savings >> >> >>> Hi anil, insurence and investment are different. Be clear about your >>> objective. Insurence is for yr dependents in case of untimely death. If u >>> want this, go for term plan. Investment is for yr goals child education, >>> child maridge, returement etc'. For this, u have to decide whether u want >>> low but safe returns, go for PPF, or bit risk but high returns, go for >>> large cap diversify mutual fund via monthly investment plan. Whith >>> best regard kapil email kapil0...@gmail.com facebook i.d >>> kapil.mitt...@facebook.com mobile 09013386781 >>> >>> -original message- >>> Subject: Re: [AI] Savings >>> From: Ekinath Khedekar <ekin...@gmail.com> >>> Date: 28/03/2012 10:34 am >>> >>> Anilji, >>> >>> One’s risk taking appetite determines which avenues are good for >>> saving or investing. >>> >>> For example, I think for me, property investment is the best option >>> with very high returns and safety but lot of hard work and stress. >>> >>> However, for smaller amounts, you can go for Systematic Investment >>> Plans by top equity funds. It averages your risks and returns in the >>> medium and long term you will never be a loser given you take a right >>> redemption decision. >>> >>> Well, in terms of debt instruments, I don’t favor them at all as even >>> the highest rate of interest on FDs or bonds are always lesser than >>> your inflation rate so actually value of your money goes on >>> deteriorating. >>> >>> One very important tip which Sameer shared with me, >>> Please don’t keep any money more than say 10,000 in your savings >>> account lying just like that. It depreciates the value of your money. >>> Instruct your bank to keep all the cash in sweep in-sweep out or link >>> fixed deposit as ICICI calls it. >>> >>> In case of ICICI, >>> >>> All you’re your cash in savings account other than your designated >>> amount is converted in to link fixed deposits in the multiples of 5000 >>> and your can earn almost double the return than your savings account >>> or equivalent to fixed deposit while it remains flexible for you to >>> remove them any time or issue check without any penalty. >>> >>> Ideal tenure for this is the highest tenure. >>> Good luck and all your returns & losses are yours and not mine... >>> >>> >>> On 3/27/12, anil joshi <artprat...@gmail.com> wrote: >>>> hi! >>>> thanks to all members to give their valuable views and i thanks to >>>> them who are the parts of designer team of this web site. >>>> Because of them we are able to interact and to know about different >>>> aspects. >>>> friends!, please suggest any policy to invest money. >>>> >>>> >>>> Search for old postings at: >>>> http://www.mail-archive.com/accessindia@accessindia.org.in/ >>>> >>>> To unsubscribe send a message to >>>> accessindia-requ...@accessindia.org.in >>>> with the subject unsubscribe. >>>> >>>> To change your subscription to digest mode or make any other changes, >>>> please >>>> visit the list home page at >>>> http://accessindia.org.in/mailman/listinfo/accessindia_accessindia.org.in >>>> >>>> >>> >>> >>> -- >>> “The waves breaking on the surface draw all the attention, >>> but it is the current beneath the water that determines your direction.” >>> >>> >>> Search for old postings at: >>> http://www.mail-archive.com/accessindia@accessindia.org.in/ >>> >>> To unsubscribe send a message to >>> accessindia-requ...@accessindia.org.in >>> with the subject unsubscribe. >>> >>> To change your subscription to digest mode or make any other changes, >>> please visit the list home page at >>> http://accessindia.org.in/mailman/listinfo/accessindia_accessindia.org.in >>> >>> >>> >>> >>> Search for old postings at: >>> http://www.mail-archive.com/accessindia@accessindia.org.in/ >>> >>> To unsubscribe send a message to >>> accessindia-requ...@accessindia.org.in >>> with the subject unsubscribe. >>> >>> To change your subscription to digest mode or make any other changes, >>> please visit the list home page at >>> http://accessindia.org.in/mailman/listinfo/accessindia_accessindia.org.in >>> >>> >> >> >> >> >> Search for old postings at: >> http://www.mail-archive.com/accessindia@accessindia.org.in/ >> >> To unsubscribe send a message to >> accessindia-requ...@accessindia.org.in >> with the subject unsubscribe. >> >> To change your subscription to digest mode or make any other changes, >> please >> visit the list home page at >> http://accessindia.org.in/mailman/listinfo/accessindia_accessindia.org.in >> >> > > > Search for old postings at: > http://www.mail-archive.com/accessindia@accessindia.org.in/ > > To unsubscribe send a message to > accessindia-requ...@accessindia.org.in > with the subject unsubscribe. > > To change your subscription to digest mode or make any other changes, please > visit the list home page at > http://accessindia.org.in/mailman/listinfo/accessindia_accessindia.org.in > > -- “The waves breaking on the surface draw all the attention, but it is the current beneath the water that determines your direction.” Search for old postings at: http://www.mail-archive.com/accessindia@accessindia.org.in/ To unsubscribe send a message to accessindia-requ...@accessindia.org.in with the subject unsubscribe. 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