Customized Savings for future need
Created By: Raghunathan Janarthanan
Best Investment Options in India for 2013
Fixed Deposit is a Good Investment Option to Begin With
Insurance Policy Investment is also a Popular Option
Public Provident Funds has High Returns
National Saving Certificate (NSC) is a Widely Common
Mutual Fund Investments is a Safe Option
Stock Investments is the Best for Risk Takers
Investment in Gold & Silver is Healthy
Real Estate Investment is a Good Option but Not for 2013
Private Equity Investments Provides Satisfactory Returns
NRO Fund Investment is Good for NRIs
Short Term Investment
That Can Make You Rich
Savings Bank Account - is the safest option
Money Market Funds- Certificate of deposit and Commercial paper.
Bank Fixed Desposit – unbeatable in terms of liquidity and security.
Investments in Corporate/Company Deposits/NCD’s
Mutual Funds - Large Cap, Ultra Short Term, Debt Funds
Investment in Gold
Certificate of Deposits (CoDs)- safer option for investment.
Treasury Securities- high liquidity and offers decent returns
Equities/ Commodities / Derivatives- Stock market
investment has a high risk rate
Long term Investment
Post Office savings
Public Provident Fund
Company fixed deposits
Bonds and debentures
Life Insurance Policies
Tax Free Bond
Investment in IPO
Endowment / Endowment Assurance
Child Plan – Education/Marriage/Future
Money Back Plans
Special Money Back Plans for Women
Whole Life Plans
Term Assurance Plan
Joint Life Plan
Decreasing Term assurance to cover Home Loan
Pension Plans in Insurance Companies
Monthly Income plans (MIPs) in Mutual Funds
New Pension System - NPS in Banks
New Pension Scheme (NPS ) in post office
PPF (public provident fund) account in
select banks and all post offices.
Senior Citizens Saving Schemes (SCSS)
National Savings Certificate
7 Golden rules of retirement
1. Save 10% of your income for retirement
2. Increase investment as your income grows
3. Don't dip into corpus before you retire
4. Withdraw 5% a year initially, then step up
5. 100 — age = Your allocation to stocks
6. Borrow for education, save for retirement
7. Save 20 times your annual expenses
“Pay yourself first" the golden rule of personal finance.
Violating that rule is never a good idea.
8 Reasons To Never Borrow From Your 401(k)
Why Borrowing Is a Bad Idea
1. You Are Not Saving
2. You Are Losing Money
3. Time Will Work Against You
4. If Your Financial Situation Deteriorates, You Could
Lose Even More Money
5. You Are Trapped
6. You Lose Your Cushion
7. It Suggests That You Are Living Beyond Your Means
8. It Violates The Golden Rule of Personal Finance
Banks Investment Schemes
Initial Public Offerings (IPO)
GOI Bonds-(Government of India) offer 8% taxable saving
bonds, invest saving bonds, savings bond rates.
Bank Pure Gold
Public Provident Fund
Senior Citizens Savings Scheme
Post Office Saving Schemes
The Post Office offers various investment schemes that
Recurring Deposit Account
Time Deposit Account
Monthly Income Scheme (MIS) Account
Public Provident Fund Account
National Savings Certificates (NSC)
Senior Citizen Savings Scheme (SCSS) Account
Invest in GSecs in India
Besides banks, insurance companies and other large investors,
smaller investors like Co-operative banks, Regional Rural
Banks, Provident Funds are also required to hold Government
securities as indicated below:
A. Primary (Urban) Co-operative Banks
B. Rural Co-operative Banks
C. Regional Rural Banks (RRBs)
D. Provident funds and other entities
Government securities are available in a wide range of
maturities from 91 days to as long as 30 years to suit the
duration of a bank’s liabilities.
7 Most Secured Ways To Generate Steady Income
1. Bank Fixed Deposits- only fixed deposits (FDs)
2. Corporate Fixed Deposits - it is attached with some
3. Post Office Schemes: Monthly Income Plan (POMIS),
Senior Citizen Savings Scheme
4. Tax Free Bonds
5. Debt Mutual Funds
6. Emergency Reserve- Funds for Emergency
7. Real Estate Investment- Most Preferred Investment
Invest In These 5 Assets To Become Richie Rich
Barclays states that ‘treasure assets’ like art and wine
constitute three percent of the net worth of rich Indians.
STOCKS: Watch the markets carefully.
ART: Investing on Art has become an attractive concept among
wealthy, "To be a good investor, one should be a collector first.
LAND: “Historically, there is only one way land prices move, and
that is up, Buying land as an assets or investing in Real Estate is
a sure shot way to make money in a longer run.
DIAMONDS: Entirely new concept and new asset class for
Indians. they prefer wearing them on a ring or as ear studs
WINE AND WHISKIES: Traded wines for years jumped 22
percent in 2011. 1926 Dalmore, a vintage, rose almost 450
percent in between 2008 and 2011.
6 Best Alternatives To Personal Loan
1. Loan against Fixed Deposits
2. Gold Loan
3. Loan Against Shares
4. Loans Against Life Insurance Policies
From 9 to 13 %
5. Loan Against Public Provident Fund
6. Loan Against Property- sanction loan with in 7 to 10 days.
Bank interest rates from 12 to 16 percent, Take loans against property only if your
require cash in huge amount.
7 Apps That Will Take Complete Care Of Your
Finances for You
Price: Free, Available for Apple and Android
1. Mint Quickview- scrutinizes all your expenses and tells how
much you are spending in each category of budget
2. Manilla- manage all of your accounts, create customized
accounts according to your needs, set reminders for bill
payments, insurance premiums payment, rent, Credit card and save
3. DailyCost –Price :$1.99- keep tracks of your day-to-day
expenses, monthly or weekly expenses by category and can be
backed up to iCloud, which means you will never loose your data.
4.Toshl Finance- compatible with any currency and helps you
to separate your travel budget from your daily expenses. It’s a great
buy for those who have to travel a lot due to work. Continues………
5. Tricount - issues arise during a group outing or trip. Most of
the time one or the other friend ends up paying more than the rest. This
application will split all the expenses equally among all creates an
expense report on your cell phone and arrange by person, apps does
entire math for you.
6. Check - You will never mill a bill payment again, apps will
remaind outstanding bills and let you pay before the dead, helps in
making the payments on the spot from your bank account or credit
card. need to add all your accounts to the encrypted app and See all
the accounts in one place and easily access to make payments.
7. Venmo- It is the best way to pay your friends back uses the
same concept of LivingSocial, Uber and Airbnb. payments from the
linked bank accounts into a friend’s Venmo, The application is a real
10 places NOT to use your debit card
For big-ticket items
When a deposit is required
If you're a new customer
When you buy now, take delivery later
For recurring payments
For future travel
At gas stations and hotels
When the ATM looks "off"
A particular slide catching your eye?
Clipping is a handy way to collect important slides you want to go back to later.