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http://www.jayantharde.com Despite this shift in investor preference, fixed deposits continue to remain one of the most prominent investment avenues for consumers, primarily due to the surety of returns it offers. Acceptability of FDs as collateral for loans up to 90% of the FD amount and the option of flexible maturity has also renewed interest for investors in this investment product. Interest Rates It is a common saying that one's financial health is reflected by the diversity of investments and therefore it is imperative to diversify the Fixed Deposit portfolio to meet different long term and short-term financial goals. A fixed deposit as an investment option depends on the rate of interest; it is advisable to split the amount available for investment in FDs into smaller amounts, each at different tenures. This will help in safeguarding the investment from interest rate fluctuations by providing the investor with an option to reinvest the deposit on maturity beside

http://www.jayantharde.com/ A financial investment is a benefit that you place cash into with the expectation that it will develop or acknowledge into a bigger entirety of cash. A couple of the most widely recognized sorts of financial investments are CDs and bonds, which pay enthusiasm to the proprietors. Financial investment alludes to setting aside a settled measure of cash and expecting some sort of increase out of it within a stipulated time span. Types of Financial Investment An individual can invest in any of the following: Mutual Funds Fixed Deposits Bonds Stock Equities Real Estate (Residential/Commercial Property) Gold /Silver Precious stones Qualities of Financial Investment The financial specialist won’t be occupied with maintaining the business – in any event, the length of an organization is beneficial and he is acquiring the normal profits for investments. In the event that a financial speculator observes the promoters to be ineffectual then the

http://www.jayantharde.com/ मसालेभात असं समजा की तुम्हाला एका लग्नाचं बोलावणं आलं, वधू वराच्या डोक्यावर अक्षता टाकून तुम्ही तडक जेवणाच्या हॉल कडे वळता. तिथे तुमच्या सारख्या चतुर लोकांची आधीच  गर्दी उडालेली असते. गर्दीतून वाट काढून तुम्ही एका बाजूला सरकता आणि तुम्हाला दिसतात ओळीत मांडलेली पानं आणि त्यात उरलेल्या दोन रिकाम्या खुर्च्या.!!!  तुम्ही पटकन त्यातली एक खुर्ची पकडता आणि स्वतःवरच खुश होत वाढप्यांची वाट बघता. पानं वाढायला सुरुवात होते, मस्तपैकी बासुंदी, पुरीचा बेत असतो. तुम्हालाही सडकून भूक लागलेली असते, म्हणून बासुंदी वर आडवा हात मारायचे मनसुबे तुम्ही रचता. पण पुरीवाला वाढायला येतो तेव्हा फेरारी च्या वेगाने "पुरी... पुरी... पुरी... पुरी...." असं म्हणत तुम्ही "हो, चार" असं म्हणेपर्यंत दहा पानं पुढे पोहोचलेला असतो.  जेमतेम एकदा त्याच्या भांड्यात उरलेल्या दोन पुऱ्या मिळवल्यावर तर तो बेपत्ताच होतो. त्याची वाट बघत तुम्ही आपलं बाकीचे पदार्थ संपवण्याच्या मागे लागता. शेवटी बराच वेळ वाट बघूनही तो येत नाही म्हणून तुम्ही मसाले भात वाढणाऱ्याला "हो" म

http://www.jayantharde.com/ SIPs give a disciplined approach to investing: One of the major benefits of investing via SIPs is that they help in cultivating the investing habit. As you have to invest a fixed amount monthly, you develop the habit of regular investing over a period of time. Furthermore, these investment amounts need not be huge. They can be as low as Rs. 500 – Rs. 1000 per month. Some SIP schemes that have further lowered this bar by enabling people to invest as less as Rs. 100 per month. This way you can invest at least something each month without ever feeling any pinch in your pocket. SIPs help in financing the future dreams: Majority of the people invest in SIPs with long-term goals like buying a house, children's education, retirement etc. As it is difficult to cough up such huge amounts in one go, it makes a lot of sense to build a corpus over a period of time by making regular monthly investments. In addition, although it is recommended to inve

http://www.jayantharde.com/ Start with Goals The first thing you should do is to write specific goals about what you want to do with your life and your money. Finances can affect many different areas of your life. Your goal to travel the world affects how you will plan your finances. Your goal to retire early is dependent on how well you handle your finances now. Homeownership, starting a family, moving or changing carrier will all be affected by how you manage your finances. Once you have written down your financial goal, you need to prioritize them. This ensures that you are paying attention to the ones that are most important to you. You can also list them in the order you want to achieve them, but remember for a long-term goal like saving for retirement you should be working towards it while also working on your other goals. Below are some tips on how to identify your financial goals: Start by setting long-term goals like getting out of   debt,

http://www.jayantharde.com/ Life is unpredictable and the only sure shot way to deal with its uncertainties is by ensuring that you are financially stable. This is where the importance of ‘saving’ comes in. Saving helps you secure your present and build a corpus for your future. By saving money on time, you can: -- Fulfill your demands (home, vehicle, other luxuries) -- Provide for life’s milestones -- Stay prepared for emergencies and other unexpected expenses -- Lead a comfortable retired life The first and foremost rule of ‘Saving Club’ is – Start early. As youngsters, you are often advised by elders to start saving money the moment you start earning. This is perhaps the most valuable financial advice you would have received or you can give anyone. The earlier you start, the larger is the amount you can save. With changing life stages your saving habits must change. You cannot keep saving the same amount of money once you are married as when you were single. Afte

http://www.jayantharde.com/ Buying life insurance is one of the most important financial decisions, but believe it or not, only 10 percent of Indians are insured. But why is it so important? Well, regardless of how much you earn, no one knows what the future holds. Lots of people die a prematurely every year from illness or accident and, if you happen to be the sole breadwinner in the family and you were to pass away, it could have devastating consequences for your loved ones-their ability to pay household expenses, debts and maintain their standard of living. The least you can do, therefore, is to secure your family's financial future by buying a life insurance policy. Besides, do not overlook the benefits of a life insurance during your lifetime, especially if you are young. We list 10 compelling reasons for buying a life insurance policy.  LOOKING AFTER YOUR LOVED ONES EVEN AFTER YOU'RE GONE:  This is the most important aspect of life insurance that one needs to fac

http://www.jayantharde.com/ Buying a house means a long-term commitment by way of EMI. The EMI amount is not small by any means, either. But that has never been a deterrent for most of us. We are willing to take a 15-year loan and pay our huge EMIs diligently, and ensure that we never miss a payment. But this same discipline, this same giving of good sums, this same long-term horizon is not present when it comes to our mutual fund investments. Here, we hesitate to commit a fixed sum. We are under-invested, content to put in small sums of just Rs. 1,000 or Rs. 2,000 a month, even while we commit over ten times of this to our EMIs. So, what if we compare a house investment with a mutual fund investment? If, instead of paying your EMI, you had been investing in mutual funds, what would you have ended up with? Costs of a house Let us assume you planned to buy a house for Rs. 37.5 lakh. This is a reasonable price to assume for a middle-class person to buy a house in the city

http://www.jayantharde.com/ A mutual  fund is an investment vehicle for investing in stocks and bonds. Mutual funds pool money from a large number of investors and invest this money in securities such as stocks, bonds, money markets instruments and similar securities. These funds are managed by professional fund managers, who invest the fund's money in various securities and attempt to produce capital gains for the fund's investors. Every investor has a share in the gains or loss of the fund. Investing in a mutual fund is much easier than buying or selling individual stocks and bonds on your own. Investors can redeem their units when they want. All mutual funds are registered with SEBI (Securities and Exchange Board of India). SEBI formulates policies and regulates the  mutual funds  to protect the interests of the investors. Mutual funds are managed by an AMC (Asset Management Company). An AMC is a company that invests its clients' pooled money into securities s

http://www.jayantharde.com/ SIP or a Systematic  Investment plan  is one of the best ways of investing your money. SIP’s start the process of wealth creation where a small amount of money is invested over regular intervals of time and this investment being invested in the stock market generates returns over time.SIP’s are usually considered to be a good way to invest money since the investment is spread out over time, unlike a lump sum investment which takes place all at once. The amount required for starting a SIP is as low as INR 500, thus making SIP’s a great tool for smart investments, where one can start investing a small amount from a young age. SIP’s are very widely used for investing and for meeting financial goals for individuals over time. Generally, people have the following goals in life Buying a car Buying a house Save for an international trip Marriage Child’s education Retirement Medical emergencies etc. SIP plans help you save money and achieve all these

         http://www.jayantharde.com                                                                                                       Life insurance is a contract between an insured (insurance policy holder) and an insurer or assurer, where the insurer promises to pay a designated beneficiary a sum of money (the "benefits") in exchange for a premium, upon the death of the insured person. Depending on the contract, other events such as terminal illness or critical illness can also trigger payment. The policyholder typically pays a premium, either regularly or as one lump sum. Other expenses (such as funeral expenses) can also be included in the benefits. Life policies are legal contracts and the terms of the contract describe the limitations of the insured events. Specific exclusions are often written into the contract to limit the liability of the insurer; common examples are claims relating to suicide, fraud, war, riot, and civil commotion. Life-based contracts in

http://www.jayantharde.com/ The ideal mutual fund portfolio will vary from person to person. So unless a financial planner or advisor don’t know about your financial goals and risk appetite, he or she can’t create an ideal MF portfolio. Even then, as a thumb rule, if you are thinking about investing for long-term, your MF portfolio should have a mix of large-cap, mid & small cap as well as debt funds. You can think about making the investment in the following manner (if you can take equity risk):- Large-cap mutual fund— 50% Small & Midcap Fund— 30-35% Debt Fund— 15–20% There is no ideal mutual fund portfolio. Investment in mutual funds is done as per need and capabilities. Again the need is a subjective term. The need that is important for me may not be important to you. As per your DP, you are young and your life will pass through different phases based on need such as marriage, home, children, the education and marriage of your children, your retirement planni