The document discusses various investment options including the stock market, mutual funds, bank fixed deposits, gold, real estate, employee provident fund, public provident fund, post office, and insurance. It outlines both the benefits and limitations of each option. Insurance is presented as having several benefits over other sectors: capital is secured, interest is guaranteed, fluctuations are fixed, and it provides tax benefits as well as life coverage without fund blockage.

1. Where to INVEST?
ANCHIT SHARMA

2. Where One can INVEST?
SHARE MARKET
MUTUAL FUNDS
BANK FIXED DEPOSIT
GOLD INVESTMENT
REAL ESTATE
EMPLOYEE PROVIDENT FUND
PUBLIC PROVIDENT FUND
POST OFFICE

3. Share Market
A stock market is the aggregation of buyers and sellers of stock which represents
ownership claims on businesses.
Limitations of Share Market:
 Capital not Secure
 Interest not guaranteed
 Fluctuations of funds
 Required proper knowledge and experience
 No benefits u/s 80C, 80D or 10 10D
 No life cover

4. Mutual Funds
 A mutual fund is a professionally managed investment fund that pools
money from many investors to purchase securities.
 These are generally the most common investment for retirement plans.
Limitations of Mutual Funds
 Capital Not Secure
 Interest Not Guaranteed
 Fluctuations of Funds
 Required Proper knowledge and Experience
 No benefits u/s 80C, 80D or 10 10D
 No Life Cover

5. Bank Fixed Deposits
 A Fixed deposit is a financial instrument provided by banks which provides
investors with a higher rate of interest than a regular saving account, until the
given maturity date. It may or may not require the creation of a separate
account.
 Fixed deposits are a high-interest-yielding term deposit offered by banks.
Limitations of Fixed Deposits
 Low interest rate
 No benefits u/s 80C, 80D or 10 10D
 No Life Cover

6. Investment in Gold
 Gold is another financial instrument in which people invest their money.
 People buy gold in ornament form.
Limitations of Investing in Gold
 Storage issue (Locker charges etc.)
 Fluctuations of prices
 Low returns
 No benefits u/s 80C, 80D or 10 10D
 No Life Cover
 Threat of theft

7. Real Estate
 Real Estate is also one of the instrument where people can invest their
money in properties.
 Real Estate are used to invest big amount like more than 30-40 Lacs,
which is out of the reach of a common man
Limitations of Real Estate
 Huge Capital Required
 Blockage of Funds
 Returns Not Guaranteed
 Fluctuations
 No benefits u/s 80C, 80D or 10 10D
 No Life Cover

8. Employee Provident Fund
EPF is a deduction from the salary of an employee which he can withdraw after
leaving his job.
Limitations of Employee Provident Fund
 Low returns
 Only for service people
 No benefits u/s 80C, 80D or 10 10D
 No Life Cover

9. Public Provident Fund
 In PPF, one can invest 500 to 1.5 Lacs with one PAN Card.
 The Current interest rate effective from 1st July, 2017 is 7.8%
Limitations of PPF
 No benefits u/s 80C, 80D or 10 10D
 No Life Cover
 Problems in withdrawal
 Investment up to Rs.500 to 1.5 Lacs.
 15 years blockage.

10. Post Office
Limitations of Post Office
 Withdrawal problem
 Lack of services
 No growth in the sector
 Fund blockage
 Low returns
 Decentralization
A post office is a customer service facility forming part of a national postal
system. Post offices offer mail-related and banking services such as savings
accounts and money orders.

11. Insurance
Insurance is much better than any other financial sector due to the following
benefits :
• Capital secured
• Interest is guaranteed
• Fluctuations are fixed
• 80C , 80D (tax benefits )
• No fund blockage ( no compulsion to withdraw money )
• Growing industry
• Life covers
• Returns are tax free (under 10 10D)