#5 Critical Things to check before ‘Investing’
1
Understand your profile
Risk Profile
ď ś Check your Risk Attitude and Risk Capacity ď ś Know what is your objective in terms of Growth?
Investment Objective
Conservative
Protect investment from loss
Moderate
Capital growth along with capital appreciation
Moderately aggressive
Capital growth with calculated risk
Aggressive
High risk for super natural returns
2
Calculate your Goals
Steps to calculate amount Step 1-List down all the financial goals of life with expected dates Step 2-Put the amount of money required to meet those goals.
Step 3-Defining how much money should one invest today to achieve those goals.
3
Choose the Investment- Risk Matrix
Risk Profile
There are different Products available for different investors. Choose mix of products as per the risk profile and returns expected
Investment Style
Conservative
Mix of Debt Mutual Fund, Fixed Deposits, PPF
Moderate
Mix of Balanced Mutual fund & Fixed Deposits, PPF
Moderately aggressive
Mix of Shares, Diversified Equity Mutual Funds, Balanced fund, PPF, Fixed deposits
Aggressive
Mix of Shares Diversified Equity Funds, Mid cap fund, PPF
Check Right Portfolio , as per your Risk profile
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4
Choose the InvestmentLiquidity Matrix
Liquidity means easy to sell a particular product A portfolio should consist of the right mix of liquid and less liquid products. Less liquid provide greater returns whereas as liquid ones may provide less returns in the short run Some part of your investments should be kept in liquid fund or maintained in your savings account to meet contingencies Shares/Gold
Highly Liquid
Debt / Equity Mutual Funds
Highly Liquid
Bank Fixed Deposit
Highly Liquid
Saving / Current Bank Account
Equal to cash
Corporate Fixed Deposit
Moderate Liquid
Property
Illiquid
5
Choose the Investment- Tax Matrix
ď ś Tax on Income can take major chunk of the returns. ď ś Income from Products like shares and Equity mutual funds is Tax Free if sold after one year
This makes it necessary to check the taxes on the returns earned from various products
Shares
Tax free if Sold after 1 year. 15% tax in case sold within 1 year of Purchase
Equity Mutual Funds
Tax free if Sold after 1 year. 15% tax in case sold within 1 year of Purchase
Debt Mutual Funds
10% Tax if Sold after 3 years. If Sold within 3 years then as per Tax Slab of Investor
Fixed Deposit
Tax on Interest as per Tax Slab of Investor
Bonds
Tax on Interest as per Normal Income Slab
For Detailed Analysis refer our Taxation page
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Goal Planning
Online Transaction
If you want to Restructure your portfolio
In case you want to Plan your Financial Goals
In case you want to Buy and Sell any product
Right Process 1
2
3
4
5
Right Portfolio
Buy/ Sell
Regular Monitoring
Risk Profiling
Financial Goals
Knowing-
Knowing-
Risk Capacity- How much Risk you can afford to take
All Financial Goals of the life
Investment Products right as per risk profile
With least Brokerage & Commission
Of Portfolio and Markets
The Inflation adjusted amount required to meet them
Portfolio efficient
With Nil hidden costs
Rebalance Investments when required
Risk Attitude- How much Risk you want to take
which
is
tax
Know Best 5 shares for your Risk Profile
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