The document discusses various investment options including mutual funds, real estate, gold, silver and other assets. It provides details on mutual funds such as how they pool money from investors and invest in securities to generate returns. It also describes different types of mutual funds and highlights their key features. The document also outlines the characteristics of real estate investments and discusses residential, commercial and other types of real estate. It notes both advantages like capital appreciation and risks like illiquidity associated with real estate investments.

1. Dr. NGPASC
COIMBATORE | INDIA
Dr. NGPASC
COIMBATORE | INDIA

2. Dr. NGPASC
COIMBATORE | INDIA
Dr. NGPASC
COIMBATORE | INDIA

3. Dr. NGPASC
COIMBATORE | INDIA
Provident Fund

4. Dr. NGPASC
COIMBATORE | INDIA
Provident Fund
PFRPF
SPF
PPF
URPF

5. Dr. NGPASC
COIMBATORE | INDIA
Unit Trust of India

6. • Mobilizing savings especially from the
household sector and re-investing these
funds into different investment outlets.
• It is managed by a competent board of
trustees.
• Its chairman is appointed by the central
government.
Dr. NGPASC
COIMBATORE | INDIA
UTI

7. Dr. NGPASC
COIMBATORE | INDIA
Objectives of investing in units
Safety
Growth in
dividends
Liquidity

8. Dr. NGPASC
COIMBATORE | INDIA
Gold, Silver and
Others

9. • Gold investment can be done in many
forms like buying jewelry, coins,
bars, gold exchange-traded
funds, Gold funds, sovereign gold bond
scheme, etc.
• Though there are times when markets see
a fall in the prices of gold but usually it
doesn't last for long and always makes a
strong upturn.
Dr. NGPASC
COIMBATORE | INDIA
Gold

10. • Gold can be a good investment asset to
have as part of a balanced portfolio.
• Gold boasts some of the highest liquidity
in the commodity markets and has more
often than not increased in value over
time. If you were to invest £1,000
into gold 30 years ago, it has since then
increased by over 500%.
Dr. NGPASC
COIMBATORE | INDIA
Is gold a good investment?

11. • IT is one of the most preferred investments in
India. High liquidity and inflation-beating
capacity are its strong selling points, not to
mention charm, prestige, and so on. Gold prices
shoot up when the markets face turbulence.
Though there are phases when markets witness
a fall in gold prices, it won’t last for long, and
always makes a strong comeback.
Dr. NGPASC
COIMBATORE | INDIA
Gold

12. • India's contribution in the silver market has
increased to 16.9 million ounces as compared
to 14Moz in 2016. And, India continues to be
one of the greatest markets for precious metals
like silver and gold. Today Silver rate
in India makes it affordable options
to invest money in silver bullions and
ornaments.
Dr. NGPASC
COIMBATORE | INDIA
Silver

13. • Although no asset is without downside risk, the
case for silver is supported by heavy industrial
use as well as its strategic importance as a
currency hedge during times of uncertainty. In
short, silver is an alternative investment that's
a relatively safe option in a highly volatile
market.
Dr. NGPASC
COIMBATORE | INDIA
Silver

14. • Diamonds
• Coins and Stamps Collection
• Antiques
Dr. NGPASC
COIMBATORE | INDIA
Others

15. Dr. NGPASC
COIMBATORE | INDIA
Real Estate

16. Dr. NGPASC
COIMBATORE | INDIA
Real Estate
• Real estate is the land along with any permanent
improvements attached to the land, whether
natural or man-made—including water, trees,
minerals, buildings, homes, fences, and bridges.
Real estate is a form of real property. It differs from
personal property, which are things not
permanently attached to the land, such as vehicles,
boats, jewelry, furniture, and farm equipment.

17. Dr. NGPASC
COIMBATORE | INDIA
Real Estate
• Real estate is a class of "real property" that includes
land and anything permanently attached to it,
whether natural or man-made.
• There are five main categories of real estate:
residential, commercial, industrial, raw land, and
special use.
• You can invest in real estate directly by purchasing a
home, rental property or other property, or
indirectly through a real estate investment trust
(REIT).

18. Dr. NGPASC
COIMBATORE | INDIA
Real Estate
People often use the terms land, real estate,
and real property interchangeably, but there are
some subtle distinctions
• Land refers to the earth's surface down to the
center of the earth and upward to the airspace
above, including the trees, minerals, and water.
• Real estate is the land, plus any permanent man-
made additions, such as houses and other
buildings.
• Real property—one of the two main classifications
of property—is the interests, benefits and rights
inherent in the ownership of real estate.

19. Dr. NGPASC
COIMBATORE | INDIA
Physical Characteristics of Real Estate
• Immobility. While some parts of land are
removable and the topography can be altered, the
geographic location of any parcel of land can never
be changed.
• Indestructibility. Land is durable and indestructible
(permanent).
• Uniqueness. No two parcels of land can be exactly
the same. Even though they may share similarities,
every parcel differs geographically.

20. Dr. NGPASC
COIMBATORE | INDIA
Economic Characteristics of Real Estate
• Scarcity: While land isn't considered rare, the total supply is fixed.
• Improvements: Any additions or changes to the land or a building that
affects the property's value is called an improvement. Improvements of
a private nature (such as homes and fences) are referred to as
improvements on the land. Improvements of a public nature (e.g.,
sidewalks and sewer systems) are called improvements to the land.
• Permanence of investment: Once land is improved, the total capital and
labor used to build the improvement represent a sizable fixed
investment. Even though a building can be razed, improvements like
drainage, electricity, water, and sewer systems tend to be permanent
because they can't be removed (or replaced) economically.
• Location or area preference. Location refers to people's choices and
tastes regarding a given area, based on factors like convenience,
reputation, and history. Location is one of the most important economic
characteristics of land (thus the saying, "location, location, location!").

21. Dr. NGPASC
COIMBATORE | INDIA
Types of Real Estate
• Residential real estate: Any property used for
residential purposes. Examples include single-
family homes, condos, cooperatives, duplexes,
townhouses, and multifamily residences with fewer
than five individual units.
• Commercial real estate: Any property used
exclusively for business purposes, such as
apartment complexes, gas stations, grocery stores,
hospitals, hotels, offices, parking facilities,
restaurants, shopping centers, stores, and theaters.

22. Dr. NGPASC
COIMBATORE | INDIA
Types of Real Estate
• Industrial real estate: Any property used for
manufacturing, production, distribution, storage,
and research and development. Examples include
factories, power plants, and warehouses.
• Land: Includes undeveloped property, vacant land,
and agricultural land (farms, orchards, ranches, and
timberland).
• Special purpose: Property used by the public, such
as cemeteries, government buildings, libraries,
parks, places of worship, and schools.

23. Dr. NGPASC
COIMBATORE | INDIA
Pros and Cons
Pros
• Offers steady income
• Offers capital appreciation
• Diversifies portfolio
• Can be bought with leverage
Cons
• Is usually illiquid
• Influenced by highly local factors
• Requires big initial capital outlay
• May require active management and expertise

24. Dr. NGPASC
COIMBATORE | INDIA
Mutual Fund

25. Dr. NGPASC
COIMBATORE | INDIA
Mutual Fund
• A mutual fund is a type of financial vehicle made up
of a pool of money collected from many investors
to invest in securities like stocks, bonds, money
market instruments, and other assets.
• Mutual funds are operated by professional Money
managers, who allocate the fund's assets and
attempt to produce capital gains or income for the
fund's investors. A mutual fund's portfolio is
structured and maintained to match the
investment objectives stated in its prospectus

26. Dr. NGPASC
COIMBATORE | INDIA
Mutual Fund
• Mutual funds give small or individual investors
access to professionally managed portfolios of
equities, bonds, and other securities. Each
shareholder, therefore, participates proportionally
in the gains or losses of the fund.
• Mutual funds invest in a vast number of securities,
and performance is usually tracked as the change in
the total market cap of the fund—derived by the
aggregating performance of the underlying
investments

27. Dr. NGPASC
COIMBATORE | INDIA
Mutual Fund
Investors typically earn a return from a mutual fund in
three ways:
• Income is earned from dividends on stocks and
interest on bonds held in the fund's portfolio. A fund
pays out nearly all of the income it receives over the
year to fund owners in the form of
a distribution. Funds often give investors a choice
either to receive a check for distributions or to
reinvest the earnings and get more shares.

28. Dr. NGPASC
COIMBATORE | INDIA
Mutual Fund
• If the fund sells securities that have increased in
price, the fund has a capital gain. Most funds also
pass on these gains to investors in a distribution.
• If fund holdings increase in price but are not sold
by the fund manager, the fund's shares increase in
price. You can then sell your mutual fund shares for
a profit in the market.

29. Dr. NGPASC
COIMBATORE | INDIA
Types of Mutual Fund
• Equity Funds
• Fixed income funds
• Index funds
• Balanced funds
• Money market funds
• Income funds
• Global Funds
• Speciality funds
• Exchange traded funds

30. Dr. NGPASC
COIMBATORE | INDIA 30
Dr. NGPASC
COIMBATORE | INDIA