Earn by Channelizing Investment with Expertise

"Do not commit all to one boat"

In our busy life, hardly any one get time to channelize the income in order to earn more. In early days, most common way for majority of people was going for fixed deposits. But now a days people are getting more aware about different investment tools, where one can earn more with minimal risk. Investment tools like stock market which is most active these days, mutual fund, systematic investment plan, debt market, bond market, etc. Out of these investment tools, every tool has their own way of investment, locking period, returns may vary as well, risk is different but the ultimate reason for doing these is gaining returns. Lets factor all the things and try to work out on the investment strategies.

1. Stock Market

Stock market is emerged as a most active investment tool these days. Looking at the stats, market is delivering better returns comparing with other investment tools. Investors are getting more cautious about their investment and that is why research analysts and fund managers are doing real hard work in order to get more returns. Investors are looking more aggressive in opening Demat accounts and investing Out of entire capital which one can invest every month, 50 per cent of the capital can be invested in the stock market. But before investing one should do some secondary research or one can consult with some research analyst of fund managers of reputed advisory companies. At least it should be clear to the investor that which sector can perform better in the future and entire details one can get from research analysts.

2. Mutual Fund

In the market, there are so many mutual fund options one can have to invest in the market. But it is highly necessary to proper advisory company with reputed fund managers where we can meet our earning expectations. Now a days the past performances of the mutual fund companies is readily available on internet. Simple secondary research can give us better vision regarding the best performing mutual fund as far different sectors are concerned. One can invest 10 per cent of the total investment in the mutual fund as fund managers invest our capital in the stock market with the help of their studies.

3. Systematic Investment Plan (SIP)

Systematic investment plan is a branch of mutual fund only. In SIP. One can have flexibility of investing capital on per month basis. Looking at the stats, SIP has delivered better returns over the years. One can invest 20 per cent of the entire capital in systematic investment plan. Most of the plans are comparatively less risky in SIP and better returns delivering as well.

4. Fixed Deposits (FD)

Debt market and bond market is not familiar to majority of investors. Better we can skip those. Instead of that one can invest in fixed deposit so as to get risk free returns as well. One can think of investing 10 per cent of the investment in FD. In FD, one can get assured returns. But now a days, people are willing to earn more and FD can give 8­9 per cent returns. But this could be better for worst case in the market.

5. Surplus Amount

One can keep 10 per cent as a buffer amount so as to invest in any of the above assets when ever needed. For example, one could think of investing in stock market more if good returns are coming. One can think of mutual fund or SIP also. At any point of time one can think of investing more in above asset classes.

The importance of following such strategy could be diversifying the risk associated with any of the asset class. Before investing hard worked capital, one should be clear with rewards and risks as well.

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