Your Investments Reflect You
• Right from childhood, Indians are taught to save money. So, you earn, you
spend, and then you keep some money aside as savings. As a child, you
always had your piggy bank full. You loved to stash coins in it.
• With more and more working individuals attaining financial freedom,
managing money is important than ever before.
• Here’s a look at what your investments tell about you:
• Bank term deposits are accounts where you keep your money for a pre-
determined time in return for an increase in value through interests. This
rate is higher than that of a savings account. They are one of the safest
instruments. If you prefer to keep all your money in a term deposit, then you
are a very conservative, long-term investor. Your prime aim is to preserve
your capital and not take any risk. However, with retail inflation hovering in
double digit figures, your money may lose value.
• If this is your most preferred investment option, then you are a conservative
investor. Your main aim is to accumulate gold before its value increases
again in the future. You do not want to take risks by opting for other financial
instruments like mutual funds or equity. In the last ten years, the price of gold
has jumped 400%. However, moving on, it may not rise as much. In fact, in
the last two years, price of gold has fallen after hitting a high of Rs 33,000.
• As India grew in the last decade, prices of real estate too jumped. It is
commonly assumed that the value of a house will appreciate in the future
too. As a result, real estate is one of the most preferred investment options.
If your biggest asset is property, you are a conservative investor betting on
the housing boom. You are also a long-term investor, possibly looking for
regular income through rent. However, real estate is one of the least
liquid instruments. It takes time and a lot of paperwork to sell a house and
• Mutual funds are vehicles that allows a collection of investors to put their
money in multiple assets like stocks and bonds. There are different kinds of
mutual funds depending on the assets they invest it, the time-period of
investment, the financial goals, and so on. If you prefer to invest in mutual
funds, you are a well-thought, but passive investor. You have identified
how much risk you are willing to take, and how much return you want. If
you have opted for a Systematic Investment Plan (SIP), you are a
disciplined investor with a clear idea of your financial aims.
• Equity investing comes with the challenge of timing the stock market. This is
something very few can manage. If you still have ventured into the stock
market and trade stocks, you are an active investor. You closely follow
news and developments, and regularly monitor the value of your stocks. The
greater the frequency of your trades – both buying and selling – the more
active you are. You are not afraid of taking risks and want to make more
profits than passive or conservative investors. Once you buy stocks, you
constantly wish for the stock market to climb higher.
• These are debt instruments which provide returns through timely payments.
At the end of a fixed time period, they pay back the initial investment sum.
These are low-risk assets, capable of providing lower returns than equities.
This mainly includes bonds and corporate debentures. It could also include
small savings instruments like postal schemes, Public Provident Fund (PPF)
and National Savings Certificates (NSC).
• If you have invested in the smaller saving schemes, you are a long-term
investor who plays safe. You don’t mind settling for a minimal increase in
the investment value. If you have put your money in corporate debentures,
then you are a seasoned investor with a big corpus.
• You can invest in shares. At the same time, you can also bet on the future
value of the stocks. This takes place in the derivatives market, where you
trade in futures and options contracts. If you play in the derivatives market,
you are a sassy, aggressive investor who knows the rules of the game and
is looking to make a quick buck. You enjoy the volatility in the market and
try to capitalise on the fluctuations.
Kotak Securities Limited, Registered Address: 27 BKC, C 27, G Block, Bandra Kurla
Complex, Bandra (E) Mumbai 400 051. Correspondence Address: 6th Floor, Kotak
Infinity, Building No. 21, Infinity Park, Off Western Express Highway, General AK Vaidya
Marg, Malad (East), Mumbai 400097. Tel no: 66056825. SEBI Registration Numbers:
NSE INB/INF/INE 230808130, BSE INB 010808153 / INF 011133230, OTC INB
200808136, MCX-SX INE 260808130/ INB 260808135/INF 260808135 , NSDL IN-DP-
NSDL-23-97, CDSL IN-DP-CDSL-158-2001, AMFI ARN 0164. Compliance Officer - Mr.
Sandeep Chordia. Tel. No: 022 6605 6825. Email id: firstname.lastname@example.org.
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