Investments for 2014
( a forecast for Indian/NRIs
investors)
2014 will be a year that will witness many changes
and whiche...
Equity &
Real Estate
• Equity investment has loads
of risk and investing a lot in it
now will not be advisable.
20%
is
adv...
Gold Investment
Gold has always been termed
risky but financial pundits have
always been very positive about
investing a p...
Rental
Income &
Bonds
• If you have rental
income, get a recurring
deposit and put some amount
there so you know that part...
Bank Fixed Deposit
Bank Fixed deposit remain my
favorite because you are safe
from the market moves and its
better to have...
This is what your 2014
portfolio should look like!
10%
Gold
40%

Bonds
30%

Equity Instruments
Bank Fixed
Deposits

20%

©...
Conclusion
2014 is not only the year for Indian political shift but also a global
change. 2014 will see the entry of new F...
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How your 2014 portfolio should look like- A forecast for Indian/NRIs Investment

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2014 is definitely a year to watch out for especially for those who have a kept a keen eye on Indian markets and have wondered the fate of the Indian Rupee.
Well, amidst all the economic mayhem, 2014 is also important politically.

Reason: it’s the election year. Economics has always been a hostage to many political gimmicks and unfulfilled promises by the party that comes into power. 2014 is, however, a bit different than any other election year held before. One big difference is that whichever party wins, will either bring very little change or will bring a lot of change. This is because India is going through an economic reform process. The central bank of India (Reserve Bank of India) has been making changes in repo rates in installments making interest rates fluctuate, something similar to what Federal Reserve did in 2008. Investors need to understand that the ‘ruling party’ or even a prediction to which party will form the government in 2014 will have an effect on the markets. This holds true not only for Indian investors but all those NRIs who are looking to invest in the Indian markets in 2014.

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Transcript of "How your 2014 portfolio should look like- A forecast for Indian/NRIs Investment"

  1. 1. Investments for 2014 ( a forecast for Indian/NRIs investors) 2014 will be a year that will witness many changes and whichever party comes into power will have to save the falling economy. The answer as to how one should invest in 2014 is through diversification. Spreading your risks will keep you safe from any future surprises. © 2014 Deena Zaidi. All rights reserved
  2. 2. Equity & Real Estate • Equity investment has loads of risk and investing a lot in it now will not be advisable. 20% is advisable for diversification. Look out for funds invested in IT industry since they’ll be doing well in 2014. • Real Estate remains a big NO since there remains a gap between the given current prices and the huge affordability gap. © 2014 Deena Zaidi. All rights reserved
  3. 3. Gold Investment Gold has always been termed risky but financial pundits have always been very positive about investing a part of income in it. Gold is ruled by the global prices and curbing imports( like what India did) has little effect. With surprises in gold, take 10% off your income, at least, in this. Gold prices (as much as UPA thinks it to be useless) holds value especially during Indian occasions you always see a rise in the gold price from the previous year e.g. Dhanteras and Diwali. © 2014 Deena Zaidi. All rights reserve
  4. 4. Rental Income & Bonds • If you have rental income, get a recurring deposit and put some amount there so you know that part of your income is not lying idle or being used aimlessly. • 30% is for bonds. Low returns for fixed duration but a safe bet in your portfolio. © 2014 Deena Zaidi. All rights reserve
  5. 5. Bank Fixed Deposit Bank Fixed deposit remain my favorite because you are safe from the market moves and its better to have a term deposit than just keeping your cash in savings account. 40% should go here. You will not lose anything and if you feel it is a lot, you can always break them in the middle since there is no penalty charge on premature withdrawal. The interest rate will always be higher than regular 4%. © 2014 Deena Zaidi. All rights reserve
  6. 6. This is what your 2014 portfolio should look like! 10% Gold 40% Bonds 30% Equity Instruments Bank Fixed Deposits 20% © 2014 Deena Zaidi. All rights reserve
  7. 7. Conclusion 2014 is not only the year for Indian political shift but also a global change. 2014 will see the entry of new Fed Chairman, Janet Yellen. The year will see the reaction of Abenomics, an effort by Japan’s Shinzo Abe to put an end to inflation by creation of special economic zones. Eurozone’s reforms could see more exits from Eurozone. Amidst all this will be China, doing something that will cause further uncertainty in the global markets. Therefore, these could give rise to fresh monetary bubble and impact Indian markets and common investors. So staying sheltered by diversification will help in getting adequate returns while being both risky (gaining from markets when they rise) and safe (with debt instruments and fixed deposits). © 2014 Deena Zaidi. All rights reserved

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