1-Investments, The only way to secure future life

What is an investments?

  • Whenever we use our money for the purpose of earning income or profit in the future, this use of money is called investment. For example- if we buy a house for the purpose that we get income by renting it, then the money used to buy the house is called INVESTMENTS.
  • An investments is the purchasing of goods that are not consumed today but are used in the future to create wealth.
  • Investment is a method of purchasing assets in order to gain profit in the form of  (interest, dividends, or rentals).
  • The financial statement means that in our balance sheet, the investment is placed in the property column, thus we can say that INVESTMENTS is our assets from which we get income.
  • Investing is a process in itself and in other words, if any asset which is the future, the process of buying in order to earn income or profit is investing.
Investments

Friends, this blog post will talk about all kinds of questions related to investment and investment, which a common man wants to know,
do you know? All of us in the world can earn money only and only in these four ways,
And there are four ways –

1. As a Businessman

The owner of a very large company, which has a business that works on the system, and even if it is not the owner, the company works perfectly. So we know this type of work by the name of the business.

2. As a Employee

An employee is a person who was hired by an employer to do a specific job. The employee is hired as an employer and an employee in his / her selection after the results of an application and interview process. This selection occurs after the employer is the most qualified of their applicants to get the job for which they are hiring. Example- Private Job, Government Job

3. As a Self Employed-

A self-employed person is a person who earns a living by working for himself, not as an employee of someone else nor as the owner (shareholder) of the corporation.

4. As a Investor

Any kind of investor, who earns income by investing money in an investment,

Whichever you are, you can be one of these four, if you are among the first two, as 90% of the people of this world are, then you are earning only ACTIVE INCOME,

And if you fall in the First and fourth category, then you are undoubtedly a very rich man because people in this category earn PASSIVE INCOME, these people do not work for money, but money works for them.

Types of investment

1-Secured:

The investment which provides you the security of the principal amount at lower risk and gives return less than 10% per annum. There may be a lock-in period associated with a kind of investment.

When you withdraw your amount before the maturity date, then an organization will charge up to 1% to 2% in interest or dividend amount 

 Some secured investment is written below

a. Bank Deposits  (Fixed Deposits & Recurring Deposits)

b. Post Office & Other Saving Schemes

c. Debentures & Corporate Deposits

d. Provident Fund

e. Bonds

f. National Saving Certificates (NSC)

g. Mutual Funds (secured)

2-Unsecured:

In this type of investment return and risk both are very high compared to secured investment:

The following investments occur under this category

a. Equity Funds

b. Commodity Funds

c. Currency Markets

e. Mutual Funds (Growth & Balanced)

3-Others

The remaining investment occurs under this category. These are not as risky as unsecured investments and as safe as secured investments. You require bigger amounts to enter in this category.

The following investments occur under this category

a. Gold

b. Property

c. Live Stocks, etc.

Where to Invest Money for Good Returns in India?

Inflation will keep eating your money year after year. So you need to invest in such investment where can get a better return than inflation.

The current average inflation rate of India lies between 4% to 7%.

  S.No. Investment product Interest rate
1Secured investment:
Bank Deposits, Post office& Other saving Schemes, Provident fund,  Corporate Deposits, Bonds, National Saving Certificates (NSC), Mutual funds (secured)
Low risk (3% to 15%)
Bank Deposits-  3% to 8%National Saving Scheme-  8%Mutual funds- up to 15%Post office- up to 9%
2 Unsecured investment:
Equity funds,  Commodity Funds,  Currency Markets, Mutual Funds (Growth & Balanced) 


Negative to unlimited
High risk and high return
3
 Other investment:
Gold,  Property,  Live Stocks, etc.
Moderate risk
Return-  No any surety

Commercial paper : Highes and secured returnable Investments

10 Important points related to Commercial paper (CPs Investments)

  1. Commercial paper is an unsecured money market instrument issued in the form of a promissory note.
  2. Commercial paper is a short term debt fund.
  3. CPs are a closed-ended type of debt instrument.
  4. Very less documentation required between issuer and investor.
  5. CPs fall in money market mutual funds.
  6. CPs have a minimum maturity of 7 days and a maximum of up to 1 year from the date of issue.
  7. Not allowed to invest less than 5 lakh.
  8. They are high liquidity.
  9. The minimum credit rating shall be A-2 as per SEBI  guidelines. Other credit rating agencies are CRISIL, CARE, FITCH, etc.
  10. Companies, Including non-banking financial companies (NBFCs) and All India financial institutions (AIFIs), are eligible to issue CPs.

Difference between Bank fixed deposit and Corporate deposit (Investments)

Bank Fixed depositsCorporate fixed deposits
1-Low interest rate (5% to 7.5%)1-High interest rate (7% to 10%)
2- The minimum time horizon for these deposits is 7 days.2-Minimum the time horizon for FD. is 6 months.
3-Low risk compares to corporate FD..3-High risk compares to bank FD..
4-Return is taxable on behalf of tax rull4-Return is taxable on behalf of tax rull
5-Premature withdrawal charges up to 1%5-Premature withdrawal is not allowed up to 3-6 months but some case when customer withdrawal there amount then company charges by customer up to 2-3%
6-Bank FD. issued by the bank6-Corporate FD. are issued by the company
7-Example HDFC Bank, SBI Bank, ICICI Bank, Axis Bank, etc.7-Bajaj finance, Mahindra Finance, DHFL, etc

If you want to open Demat and trading account, you can open by clicking on below links

Thank you for reading our post, God bless you all

IF YOU LIKE OUR POST, THEN SHARE IT WITH YOUR FRIENDS AND RELATIVE, IT GIVES US A LOT OF COURAGE.

173 thoughts on “1-Investments, The only way to secure future life”

  1. One thing I want to say is the fact car insurance termination is a hated experience and if you’re doing the best things being a driver you won’t get one. Some individuals do receive the notice that they’ve been officially dumped by their insurance company and several have to fight to get further insurance after having a cancellation. Affordable auto insurance rates are generally hard to get following a cancellation. Having the main reasons pertaining to auto insurance cancellation can help people prevent burning off one of the most essential privileges available. Thanks for the strategies shared through your blog.

    Reply
  2. Write more, thats all I have to say. Literally, it seems as though you relied on the video to make your point. You definitely know what youre talking about, why waste your intelligence on just posting videos to your weblog when you could be giving us something enlightening to read?

    Reply
  3. Yesterday, while I was at work, my cousin stole my iphone and
    tested to see if it can survive a 25 foot drop, just so
    she can be a youtube sensation. My apple ipad is now broken and
    she has 83 views. I know this is entirely off topic
    but I had to share it with someone!

    Reply
  4. Hi there very cool site!! Man .. Beautiful .. Superb
    .. I will bookmark your web site and take the feeds also…I’m satisfied to search out a lot of
    helpful info here within the publish, we want work out more strategies on this regard,
    thank you for sharing.

    Here is my blog post – VyPrimax Review

    Reply
  5. Wonderful bⅼog! Do you have any tips and hints for aspiring writers?
    I’m hⲟping to start my own website soon but I’m a little lost on everуthing.
    Would you suggest stɑrting with a free platform like WordPress оr go for a
    paid option? There are sߋ many choices out there thɑt I’m
    completely overwһelmed .. Any tips? Thank you!

    Reply
  6. Oh my goodness! Awesome article dude! Thank you,
    However I am going through troubles with your RSS.
    I don’t understand why I can’t join it. Is there anybody else
    having identical RSS problems? Anyone who knows the answer will you kindly respond?
    Thanx!!

    Reply
  7. I would like to thnkx for the efforts you have put
    in writing this website. I am hoping the same high-grade website post from
    you in the upcoming as well. Actually your creative
    writing abilities has encouraged me to get my own blog now.
    Really the blogging is spreading its wings fast. Your write
    up is a good example of it.

    Also visit my homepage :: NuGen Keto Ingredients

    Reply
  8. Good day! I know this is kind of off topic but I was wondering which blog platform are you using
    for this site? I’m getting fed up of WordPress
    because I’ve had issues with hackers and I’m looking at
    options for another platform. I would be great if you could point me in the direction of a good platform.

    Reply
  9. My partner and I absolutely love your blog and find many of your post’s to be just what I’m looking for.
    Does one offer guest writers to write content available for you?
    I wouldn’t mind composing a post or elaborating on a few of the subjects you write concerning here.

    Again, awesome website!

    Reply
  10. Hmm is anyone else encountering problems with the pictures on this blog loading?

    I’m trying to figure out if its a problem on my end or
    if it’s the blog. Any responses would be greatly appreciated.

    Reply
  11. Does your website have a contact page? I’m having a tough time locating it but,
    I’d like to shoot you an email. I’ve got some creative ideas for your blog
    you might be interested in hearing. Either way, great blog and I look forward to seeing it grow over time.

    Reply
  12. Wow, wonderful blog layout! How long have you been blogging for?

    you made blogging look easy. The overall look of your site is wonderful, as
    well as the content!

    Reply
  13. Normally I don’t read article on blogs, however I would like
    to say that this write-up very forced me to try and do so!
    Your writing style has been amazed me. Thanks, very nice post.

    Reply
  14. Thank you a lot for giving everyone an extremely nice opportunity to read from
    this website. It really is so nice and as well , jam-packed
    with amusement for me and my office peers to visit your blog
    more than three times a week to study the latest
    guidance you have got. Of course, I am just at all times impressed for the very
    good techniques you serve. Selected 1 ideas on this
    page are essentially the simplest we have all had.

    Here is my site Icona Glow Cream

    Reply
  15. Have you ever considered about adding a little bit more than just your articles?
    I mean, what you say is fundamental and all.
    However think about if you added some great
    images or video clips to give your posts more, “pop”!
    Your content is excellent but with pics and video clips,
    this website could definitely be one of the greatest in its field.
    Terrific blog!

    Reply
  16. Thanks for your marvelous posting! I definitely enjoyed
    reading it, you’re a great author.I will ensure that I
    bookmark your blog and definitely will come back someday.
    I want to encourage that you continue your great work, have a nice day!

    Reply
  17. Good day! This is kind of off topic but I need some help
    from an established blog. Is it tough to set up your own blog?
    I’m not very techincal but I can figure things out pretty fast.
    I’m thinking about making my own but I’m not sure where to begin.
    Do you have any tips or suggestions? Thank you

    Reply
  18. Woah! I’m really enjoying the template/theme of this blog.
    It’s simple, yet effective. A lot of times it’s challenging
    to get that “perfect balance” between user friendliness and visual appeal.
    I must say you’ve done a very good job with this.
    Additionally, the blog loads super fast for me on Firefox.
    Outstanding Blog!

    Reply
  19. Fantastic beat ! I would like to apprentice while you amend your web site, how can i subscribe for a blog website?
    The account helped me a acceptable deal. I had been tiny bit acquainted
    of this your broadcast offered bright clear idea

    Reply
  20. My spouse and I absolutely love your blog and find most
    of your post’s to be exactly I’m looking for. can you offer guest
    writers to write content to suit your needs? I wouldn’t mind writing a post or elaborating on some of the subjects you write concerning here.
    Again, awesome web site!

    Reply
  21. Write more, thats all I have to say. Literally,
    it seems as though you relied on the video to make your point.
    You obviously know what youre talking about, why waste
    your intelligence on just posting videos to your weblog when you could be giving us
    something informative to read?

    Reply
  22. You’ve made some decent points there. I checked on the
    web for more information about the issue and found
    most individuals will go along with your views on this website.

    Reply
  23. You’re so interesting! I do not believe I have
    read through something like that before. So nice to find somebody with some
    genuine thoughts on this topic. Seriously.. thank you for starting this up.
    This web site is something that is needed on the internet, someone with a little originality!

    Reply
  24. I’ve been exploring for a little bit for any high quality articles or weblog
    posts on this sort of house . Exploring in Yahoo I finally stumbled upon this website.
    Reading this info So i’m satisfied to convey that I’ve an incredibly good uncanny feeling I came upon exactly what I needed.
    I so much indubitably will make sure to don?t disregard this site and
    provides it a look on a relentless basis.

    Reply
  25. Thanks on your marvelous posting! I quite enjoyed reading
    it, you may be a great author.I will make certain to bookmark your blog and will often come back
    in the future. I want to encourage continue your great posts, have
    a nice afternoon!

    Reply
  26. Howdy! I understand this is sort of off-topic but I needed to ask.
    Does running a well-established blog like yours
    take a large amount of work? I’m brand new to blogging but I do write in my journal daily.
    I’d like to start a blog so I can easily share my personal
    experience and thoughts online. Please let me know if
    you have any kind of recommendations or tips for brand new aspiring bloggers.
    Thankyou!

    Reply
  27. My programmer is trying to convince me to move to .net from
    PHP. I have always disliked the idea because
    of the expenses. But he’s tryiong none the less. I’ve been using WordPress on several websites for about a year and
    am worried about switching to another platform. I have heard good things about blogengine.net.
    Is there a way I can import all my wordpress content into it?
    Any kind of help would be really appreciated!

    my blog: Natures Tonics Testosterone Booster Review

    Reply
  28. I was curious if you ever thought of changing the layout
    of your blog? Its very well written; I love what youve
    got to say. But maybe you could a little more in the way of content so people could connect with it better.
    Youve got an awful lot of text for only having one or two images.
    Maybe you could space it out better?

    Reply
  29. When I initially commented I clicked the “Notify me when new comments are added”
    checkbox and now each time a comment is added I get four emails with the same comment.
    Is there any way you can remove people from that service?
    Thank you!

    Reply
  30. I’m amazed, I have to admit. Rarely do I encounter a blog that’s equally educative
    and engaging, and let me tell you, you have hit the nail on the head.

    The problem is something which not enough people are speaking intelligently about.
    I am very happy that I came across this during my search for something regarding
    this.

    Reply
  31. Your style is unique compared to other people I’ve read stuff from.
    I appreciate you for posting when you’ve got the opportunity, Guess
    I’ll just bookmark this web site.

    Reply
  32. Hello there, I discovered your blog via Google
    at the same time as looking for a comparable subject, your website got here up, it appears good.

    I have bookmarked it in my google bookmarks.[X-N-E-W-L-I-N-S-P-I-N-X]Hello there,
    simply was alert to your blog thru Google, and found that it’s really informative.
    I am going to be careful for brussels. I will appreciate in case
    you proceed this in future. A lot of other people will probably be benefited out
    of your writing. Cheers!

    Take a look at my site: Maxtane Male Enhancement Ingredients

    Reply
  33. It’s a pity you don’t have a donate button! I’d definitely donate to this fantastic blog!
    I suppose for now i’ll settle for bookmarking and adding your RSS feed to
    my Google account. I look forward to brand new
    updates and will share this blog with my Facebook group.
    Chat soon!

    Reply
  34. I cherished as much as you will obtain carried out proper here.
    The comic strip is tasteful, your authored material stylish.
    nonetheless, you command get bought an edginess over that you
    would like be handing over the following. in poor health for sure come more in the past
    again since precisely the same nearly very often within case you defend this increase.

    my webpage; Atomic Shred Muscle

    Reply
  35. Thank you for the blog post. Thomas and I happen to be saving for
    just a new book on this subject matter and your writing has made people like
    us to save our money. Your thoughts really responded to all our inquiries.
    In fact, greater than what we had known before we discovered your fantastic blog.
    I no longer nurture doubts and a troubled mind because you have attended to our
    own needs above. Thanks

    Feel free to visit my web site Atomic Shred Testo Booster Ingredients

    Reply
  36. hey there and thank you for your information ? I have certainly
    picked up something new from right here. I did however expertise some technical issues using this website, as I experienced to reload the
    website lots of times previous to I could get it to load correctly.
    I had been wondering if your web hosting is OK?
    Not that I am complaining, but sluggish loading instances times will sometimes affect your placement in google and can damage your quality score if advertising and
    marketing with Adwords. Well I?m adding this RSS to my e-mail and
    can look out for much more of your respective intriguing content.
    Make sure you update this again very soon..

    Reply
  37. After looking over a handful of the blog posts on your site, I honestly like
    your way of writing a blog. I book-marked it to my
    bookmark site list and will be checking back soon. Take a look at my
    web site as well and let me know your opinion.

    Reply
  38. Hello there, simply become aware of your blog through Google,
    and located that it’s truly informative. I’m going to be careful for
    brussels. I’ll appreciate when you proceed this in future.
    Lots of other people can be benefited from your writing.
    Cheers!

    Reply
  39. I do not know whether it’s just me or if perhaps
    everyone else experiencing problems with your blog.

    It appears as if some of the text in your content are running off the screen. Can somebody
    else please provide feedback and let me know if
    this is happening to them as well? This might be a problem with my web browser because I’ve had this happen before.

    Many thanks

    Reply
  40. You could definitely see your expertise in the work you write.
    The sector hopes for more passionate writers like you who aren’t afraid
    to mention how they believe. At all times follow your heart.

    Reply
  41. May I simply just say what a relief to find someone who really knows what they are discussing on the internet.
    You actually know how to bring an issue to light and make it
    important. More people should read this and understand this side of the story.

    It’s surprising you are not more popular given that
    you definitely have the gift.

    Reply
  42. I have been exploring for a little bit for any high quality articles or weblog posts on this sort of house .
    Exploring in Yahoo I eventually stumbled upon this site. Reading this information So i am
    satisfied to show that I have a very just right uncanny feeling I found
    out just what I needed. I such a lot undoubtedly will make sure to
    don?t forget this site and give it a look on a relentless basis.

    Reply
  43. Can I simply say what a relief to discover someone that really understands what they are talking about on the net.
    You definitely understand how to bring an issue to light and make it important.
    More people must check this out and understand this side of
    your story. It’s surprising you’re not more popular given that you definitely have the gift.

    Reply
  44. Admiring the dedication you put into your blog and in depth information you offer.

    It’s awesome to come across a blog every once in a while
    that isn’t the same outdated rehashed information. Fantastic read!
    I’ve saved your site and I’m adding your RSS feeds to my Google account.

    Reply
  45. Hi I am so delighted I found your website, I really found you by accident,
    while I was researching on Askjeeve for something else, Anyways I am here
    now and would just like to say thanks a lot for a fantastic post and a all round interesting blog
    (I also love the theme/design), I don?t have time to look
    over it all at the moment but I have book-marked it and
    also added your RSS feeds, so when I have time I will be back
    to read more, Please do keep up the excellent jo.

    Reply
  46. Usually I don’t read post on blogs, but I would like to say that this write-up very pressured me to try and do
    so! Your writing taste has been surprised me. Thanks, very nice article.

    Reply
  47. I have been exploring for a little for any high quality articles or weblog posts in this kind
    of space . Exploring in Yahoo I at last stumbled upon this
    site. Reading this information So i am happy to convey that I’ve an incredibly good
    uncanny feeling I discovered exactly what I needed. I most certainly will
    make certain to do not overlook this website and give it a glance on a continuing basis.

    Also visit my webpage – carpet cleaning services in nyc

    Reply
  48. Hey There. I found your blog the use of msn. This is an extremely well written article.
    I’ll make sure to bookmark it and come back to read more of your
    useful information. Thanks for the post.
    I will definitely return.

    Reply
  49. I’m not that much of a internet reader to be honest but your sites really nice, keep it up!
    I’ll go ahead and bookmark your website to come back in the future.
    Many thanks

    Reply
  50. Nice weblog right here! Also your web site a lot up fast!
    What host are you the usage of? Can I am getting your associate link on your host?

    I want my site loaded up as quickly as yours lol.

    Reply
  51. Excellent post. Keep writing such kind of info on your blog.
    Im really impressed by your blog.
    Hey there, You’ve performed a fantastic job. I’ll certainly digg it and in my opinion recommend to my friends.

    I am sure they will be benefited from this website.

    Reply
  52. It is perfect time to make some plans for the future and it’s time
    to be happy. I’ve read this post and if I could I wish to suggest you
    some interesting things or suggestions. Perhaps you could write next articles referring to this article.
    I want to read even more things about it!

    Reply
  53. Hello there! This post could not be written any better!
    Looking through this post reminds me of my previous roommate!
    He constantly kept preaching about this. I will forward this information to him.
    Fairly certain he’ll have a great read. I appreciate you for sharing!

    Feel free to surf to my website … Ketomentin

    Reply
  54. Right here is the right website for anybody who wants
    to understand this topic. You know so much
    its almost hard to argue with you (not that I actually will need to…HaHa).
    You definitely put a fresh spin on a subject which
    has been discussed for ages. Great stuff, just wonderful!

    Reply
  55. You could definitely see your skills within the work you write.

    The sector hopes for more passionate writers such as you
    who are not afraid to mention how they believe. All the
    time go after your heart.

    Reply
  56. What’s Happening i am new to this, I stumbled upon this I have discovered It positively useful and it has aided me out loads.
    I hope to contribute & aid different customers like its helped me.
    Good job.

    Reply
  57. Nice blog! Is your theme custom made or did you download it from somewhere?

    A design like yours with a few simple adjustements would really
    make my blog jump out. Please let me know where you got your theme.
    Thank you

    Reply
  58. I do believe all of the ideas you have offered to your post.

    They are really convincing and will certainly
    work. Still, the posts are very short for starters. Could
    you please lengthen them a bit from subsequent time? Thanks for the post.

    Reply
  59. I’m not sure exactly why but this weblog is loading extremely slow for me.
    Is anyone else having this issue or is it a problem on my end?
    I’ll check back later on and see if the problem still exists.

    Reply
  60. Thanks for the marvelous posting! I serioudly enjoyed reading it, you may be a great author.I
    will make sure to bookmark yopur blog and definitely will come back from now on. I want to
    encourage continue your great job, have a nice morning!

    Here is my blog post … auto impostor

    Reply

Leave a Comment