This presentation can answer almost your all questions related to investment for salaried person in India. New investor can learn a lot from this presentation & old investor can explore new options of investment.

2. What is Investment?
“ Investment is Money spent in the
hope of future benefit.”
Why should I Invest?
“ To get Financial Freedom,
For your family
To start your own Business,
Early retirement,
Dream Holiday, Bike, Car, Bunglow
For social work
Social Status
Wealth Creation etc…”
There are many reason which can force
you to invest your money.

3. How much amount I should Invest?
 Before investment Please Accumulate
some Cash amount from your
salaries (e.g. starting from 50k
to 2 lac) . This will help you in any
emergency (e.g. Medical, excessive
spending due to occasion etc…)
Now start your Investment
Investment =(Salary – Expenditure )
 Calculate your Monthly Expenditure very
precisely.

4. What are my investment Priority?
“ It depends on your future needs, desire &
ambitions”.
 Put your immediate future need on top
priority (e.g. home, your marriage,
Vehicle, higher study, child education)
which make your life smooth & tension
free
 Now you can invest on your desire &
ambitions (e.g. Dream holiday, farm
house, business plan, For NGO etc…)
which delight your self apart from daily
happiness.

5. How many types of Investment plan?
 Based on your need, desire & ambitions
you can plan for short term, mid term & long
term plan.
For e.g.
If you want car in next 2 years then
investment for that comes under short term
plan(short term plan for 1 to 3years)
If you want home after 8 years then
investment for that comes under mid term
plan (mid term plan for 3 to 10 year)
If you want to open restaurant after 15
years then investment that comes under
mid term plan (long term plan > 10year)

6. What are my Investment Options?
EPF (Employees Provident Fund)
ROI
8.5%
Tax Saving?
YES
Lock in Period
- NA -
Offered By
Government of
India
Online Debit/Credit
Available?
YES
ROI deciding
authority
EPFO India
http://www.epfindia.com/
Favorite Among
 Central & State Government Employees
 SME Employees
 Workers
Interest rate History

7. What are my Investment Options?
ELSS (Equity Link Saving Scheme)
ROI (3 years)
8-10 %
Tax Saving?
YES
Lock in Period
3 years
Offered By
Banks/Financial
Institutions
/Insurance Company
Online Debit/Credit
Available?
YES
ROI deciding
authority
Equity
Allocations
Top 5 ELSS scheme

8. What are my Investment Options?
NPS (National Pension Scheme)
ROI
8 - 14%
Tax Saving?
YES
Lock in Period
60 years
Offered By
PFRDS
(Government of
INDIA)
Online Debit/Credit
Available?
YES
ROI deciding
authority
Fund
Managers
http://en.wikipedia.org/wiki/National_Pension_Scheme
https://www.npscra.nsdl.co.in/

9. What are my Investment Options?
PPF (Public Provident Fund)
ROI
8.7%
Tax Saving?
YES
Lock in Period
15 years
Offered By
Banks
Online Debit/Credit
Available?
YES
ROI deciding
authority
Government
of INDIA
Features
 After 5 years you can withdraw 60% amount of PPF account
 Loan Facility Available
Best option where you don’t have EPF account or your
company is not eligible to offer EPF.
 Mid term investment option.
 Low interest rate.

10. What are my Investment Options?
Life Insurance(ULIP/Non ULIP)
ROI
4 – 15%
Tax Saving?
YES
Lock in Period
Policy term
Offered By
Insurance
companies
Online Debit/Credit
Available?
YES
ROI deciding
authority
Predefined by
Policy Sum
assured in Non
ULIP product &
in ULIP
product based
on NAV
Feature
 Best product to secure your future needs
 Sum assured amount is your final amount received after
fixed term
 Fixed term starting from 3 year to 35 years
 Lots of income plan schemes are available in this options
 Retirement plans are also available in this category
Vast range of products offered by Insurance companies based on your risk
Appetite.

11. What are my Investment Options?
ETF (Exchange Traded Fund)
ROI
3 – 27%
Tax Saving?
NO
Lock in Period
NA
Offered By
Banks/Financial
Institutions
Online Debit/Credit
Available?
YES
ROI deciding
authority
Gold /BSE/NSE
Features
 GOLD ETF is a best option to purchase GOLD virtually instead of physical.
 Good return on investment on GOLD ETF.
 Other ETF are based on BSE/NSE and foreign market which will give
you a good return but among all ETFs, Gold ETF are best one.
 They are traded in stock market every day like equities.
 Offered by few banks & financial institutions.
 You can do SIP(Systematic Investment Plan) in this option

12. What are my Investment Options?
Equity (Share Market)
ROI
1 – 100%
Tax Saving?
NO
Lock in Period
NA
Offered by
NSE/BSE
Online Debit/Credit
Available?
YES
ROI deciding
authority
Corporate
performance
& future
policies
Features
 High risk option for investment where your money will
grow 100 times in just few day or decrease 100 times in same period.
 Most of Indian companies are listed in NSE/BSE.
 Intraday/Delivery options available to purchase & sell the shares
 Invest in Top corporate/banks/companies in their sectors for long term will
surely give you higher returns on your investment.
 Before opt for this option please consult your financial planner or check the
companies health, government policies & previous preformance.

13. What are my Investment Options?
GOLD (Physical Metal)
ROI
10-25%
Tax Saving?
NO
Lock in Period
NA
Offered By
Banks/Jewellers
Online Debit/Credit
Available?
NO
ROI deciding
authority
Gold demand
Features
 Favorite among Indian people mostly women.
 It can be purchased as a GOLD Coin, Bar or jewelry.
 This option never hurt the Indian people in terms of ROI (Return of Investment)
 Loan available on jewelry.
 Lockers are also available in nearest bank for safety.

14. What are my Investment Options?
Fixed Deposit (Bank Linked)
ROI
8 to 10%
Tax Saving?
NO
Lock in Period
1 to 20 years
Offered By
Banks
Online Debit/Credit
Available?
YES
ROI deciding
authority
Predefined by
Bank
http://www.moneycontrol.com/fixed-income/banks-deposits/
Features
 Traditional option of investment. Sometimes it called Term Deposit
 Offered by almost all banks & online transaction also available from your A/C.
 Pre mature withdraw can harm you in terms of charges.
 Good option to save you liquidity for Emergencies.
 Interest amount more than 10000 is taxable.
 To avoid tax ,bank will guide you.
 Secure option , no volatility, instant withdraw option,
 To know the interest rate of different banks go the link given below.

15. What are my Investment Options?
Fixed Deposit (Corporate Linked)
ROI
10-13%
Tax Saving?
NO
Lock in Period
1 – 10 years
Offered By
Corporate
Online Debit/Credit
Available?
YES
ROI deciding
authority
Predefined by
Corporate
http://www.moneycontrol.com/fixed-income/company-deposits/
Features
 Less popular than BANK FD/Term deposit
 Good return on Investment.
 Governed by concern Corporate so all decisions taken by them.
 Ratings based on their credit report has been given by CRISIL which
helpful to choose the best corporate among all.
 Risky but worth if you want to earn higher returns than bank FD
 To know the Interest rates offered by different corporate than please
click the link given below.

16. What are my Investment Options?
RD (Recurring Deposit)
ROI
7-9%
Tax Saving?
NO
Lock in Period
Min. 6 month
Max. no limit
Offered By
Banks/Post
Online Debit/Credit
Available?
YES
ROI deciding
authority
Predefined
based on your
termFeatures
 Popular among Indian people.
 It’s a traditional SIP.
 NO TDS deduction at the time of withdraw like Bank FD
 Auto debit & credit available from your bank A/C.
 Secure & safe investment however very low interest rates.
https://in.finance.yahoo.com/photos/best-banks-for-recurring-deposits-
1370241980-slideshow/best-banks-for-recurring-deposits-photo-
146157261.html

17. What are my Investment Options?
Mutual Fund
ROI
1 to 65%
Tax Saving?
YES/NO
Lock in Period
NA
Offered by
All Financial &Non
Financial
Institution
Online Debit/Credit
Available?
YES
ROI deciding
authority
BSE/NSE/
Commodities
Features
 Best option for all kind of investment plan (Short, Mid & Long)
 Best option against Equities as it balanced your risk when market crash
 Debt,Equity,Gold,IT,Pharma,Auto,BSE100,Bluchip,FMCG,Bank etc…
funds are available where your money invested in different companies by
Fund managers.
 Choose your risk appetite and choose funds accordingly.
 SIP is available. Some funds are tax savings & some are not.
 In current market scenario this investment option is one of the best.
 This all funds are performed under market risk.

18. What are my Investment Options?
Property (Residential/Commercial)
ROI
No limit
Tax Saving?
YES/NO
Lock in Period
NA
Offered By
Builders
/Government
Online Debit/Credit
Available?
YES
ROI deciding
authority
Place of
property
Features
 High amount as a down payment require to avail this option.
 Initial survey of place of property required to avoid future problems.
 If you buy a home by taking loan than it’s a tax saving option but if you
buy commercial property than it’s not tax saving option.
 Place of property is a big concern in this option.
 High returns definitely sure but you have to keep patience for that.
 Different kind of loans available for this options.
 Invest in this option if you have a future plan to open a business.
 Give your property on rent is a immediate ROI of this option.

19. “Never Test the Depth of the River with both feet”