How do I Start Investment Planning?

• Identify your goal (amount & time frame) then choose right investment based on risk profile with help of financial advisor. 

• Check list   & Understand Basics
  
  
  

• Questions to ask before taking Investment Decision? 

• Have you understood the risk involved in detail? 

• Do you know your investment scheme?

• Are your investments in sync with your goals?
  
  Some Simple Principles from  Experts
  Aim to save at least 20 per cent of your income.
  Prioritise your goals by urgency and importance, categorizing them as short, mid or long term.
  For long-term goals (over seven years),invest in equity for higher returns.
  For midterm goals (5-7 years), use a mix of equity and debt funds, while
  short-term goals (3-5 years) suit low-risk options like fixed deposits or liquid funds.
  After that, regularly review and adjust your strategy to adapt to changing circumstances.
  As you near your goals, shift your investments from equity to safer instruments to protect your capital.
  
  

Read here on invest without worrying
Investment returns not equal to Investor returns : Expectation vs Reality 

• Regulated and supervised by regulatory agencies like the SEBI & AMFI

• Flexible investment option offers lower risk & higher tax-efficient returns over traditional investments.

• Lear more about Types , Risks ,Advantages , Taxation & facts & myths , Know more details  , FAQ , MF Calculators

How do I select Mutual fund?

You need to select fund based on risk profile & time horizon. 

• MC30 by Money control

• List by Finsafe

Note

• You can use ELSS MF to save Tax under 80C

Gold 

• Strategic asset class has several benefits like capital appreciation, risk management, diversification & wealth preservation.

• Good option when you want to minimize risk and preserve value in your portfolio. 

We have four options to invest in Gold. Check gold vaule in 1 ,2 ,3 

SGB is good for investment point of view. ( No GST + capital appreciation + No capital gains tax if held till maturity + additional interest 2.5% PA )

1. Physical Gold -- From jeweler shops (Jewellery /Gold coins/ bars)

2. Digital Gold – Buying from Fintech platforms – PayTM, Google Pay, Phone Pay, Safegold, MMTC, Augmont Gold 

3. Gold ETF – Buying through Mutual Funds 

4. Sovereign Gold Bond (SGB) – Buying through RBI on behalf of the central government 

Buy SGB in Secondary market with high Yield to maturity (YTM)  , check here 1, 2 , 3

Read more Sovereign Gold Bond Scheme (FAQ) , Gold Monetisation Scheme (FAQ) 

How much gold can you keep at home? Limits and income tax rules explained 

• Don’t even think about Real Estate without reading this ! & Read more

• Understand Real Estate terminologies.

Carpet Area, Built-up Area, Super Built-up Area, Stamp Duty, Registration Fee, Encumbrance Certificate, Power of Attorney, Occupancy Certificate, Floor Space Index (FSI), Development Agreement, Joint Development Agreement, Tripartite Agreement, Sale Deed, Conveyance Deed, Lease Deed, Mortgage Deed, Gift Deed, Will, Probate, and Mutation , Undivided Share of Land (UDS)

more details REIT ,  INVIT

• P2P Lending

• Invoice Discounting

• Hedge Funds

• Non-Fungible Tokens (NFT)

• Cryptocurrency: Bitcoin, Ethereum, Litecoin, Ripple

List of Fee-Only Financial Planners  (Recently added in 2024 )

• https://www.feeonlyindia.com/list-of-fee-only-planners

RBI Investor Awareness

• RBI Kehta Hai - Awareness Portal by RBI to educate public on finacila products & caution about scams.     Link :  https://rbikehtahai.rbi.org.in/index.html 

• https://investor.sebi.gov.in/

• https://investor.sebi.gov.in/calculators/index.html 

• https://www.rbi.org.in/commonperson/English/scripts/financialliteracyposters.aspx

• https://www.rbi.org.in/commonperson/English/Scripts/FinancialDiary.aspx 

• https://www.youtube.com/@reservebankofindia593/search?query=Telugu                

• https://www.youtube.com/watch?v=EHpo4eLYBWc

• https://www.youtube.com/watch?v=BQbpvlNcA2g

• https://www.youtube.com/watch?v=06zWu8SN9ic&list=PLavNoUnETM3AmJ2PyVtiFKcoBXZyBuQUY&index=9

• https://www.youtube.com/watch?v=MOgySLdnzxY

• https://www.youtube.com/watch?v=umZYIqV1qrk

• https://www.youtube.com/watch?v=SurOA_CiXTw   

• https://ncfe.org.in/e-library/

• The Financial Education Programe for Adults (FEPA) (Recently added in 2024 , Most Liked by me)

RBI UDGAM portal 

• UDGAM stands for Unclaimed Deposits - Gateway to Access information

• Information on unclaimed deposits(inactive<10Y) held with banks, insurance companies, and other financial institutions.

• Link :  https://udgam.rbi.org.in/unclaimed-deposits 

MF Central

• one-stop-shop for all mutual fund investments and services 

• Link : https://www.mfcentral.com/

Calculators

• Link: https://navi.com/calculator 

• Link : https://jupiter.money/calculators/ 

• MF Portfolio Analyzer : https://pages.jupiter.money/portfolio-analyser/ 

• Index Fund Insights :   https://indexfundinsights.com/
  
  

Learning / Reading Resources (Recent Learning by Team -WIP)  (Recently added in 2024 )

https://ciel.co.in/free-online-courses.html
https://ciel.co.in/article.php
https://www.moneykraft.com/
https://www.youtube.com/watch?v=spL4vCt1b4s
https://youtube.com/playlist?list=PLOLm6umckcyv-cdXiJSIoMK17p8pOIPR-&feature=shared
https://www.youtube.com/watch?v=Wg6pJ1BrfyA

https://www.youtube.com/watch?v=FG6TvAPjuAg

https://www.youtube.com/watch?v=aBvcg66gENc

https://www.youtube.com/watch?v=vO4zS2c-AFk

https://www.youtube.com/watch?v=SNX6bJcJtVk&t=101s

https://www.basunivesh.com/how-to-invest-in-us-stocks-from-india/
https://zerodha.com/varsity/chapter/personal-finance-review-part-1/

https://rbi.org.in/Scripts/Complaints.aspx

https://zerodha.com/varsity/chapter/personal-finance-review-part-2/

https://zerodha.com/varsity/module/insurance/

https://sachet.rbi.org.in/

https://rbiretaildirect.org.in/#/

https://www.hdfcsec.com/latest-returns-nps

https://economictimes.indiatimes.com/wealth/plan/joint-financial-planning-how-a-couple-in-their-30s-with-monthly-income-of-rs-2-lakh-can-achieve-financial-stability/articleshow/97910004.cms

Blog Reads for Awareness (Recent Learning by Team -WIP)  (Recently added in 2024 )
https://finshots.in/archive/how-to-get-fined-by-sebi-if-youre-an-investment-advisor/
https://finshots.in/archive/sebi-cracks-the-whip-on-an-agri-investment-startup/
https://finshots.in/archive/finshots-special-how-to-be-a-rational-investor/
https://finshots.in/markets/dear-investor-stay-still/