Sunday, June 30, 2013

Invest Money Wisely – Save to Investment

How to Invest Small Amount of money Wisely
Money (Savings in Rupees)
Best Investment Savings Schemes or Plans
500 to 1500 Rupees per Month
Safe & Secure saving investment opportunities like Saving bank account, Fixed deposits, National saving certificates, Security bonds, Post office savings bonds, Life insurance, Recurring deposits, Pension plans, Public Provident Fund, Monthly income schemes and plans, Senior Citizens Savings Scheme, FMP,FIPs, Gold EFTs etc…
1500 to 2500 Rupees per Month
Low Risk based saving investment opportunities like indexed funds, money market investments, mutual funds of selected sectors, online Gold trading or investment, Small and mid-cap stocks etc…
3000 to 5000 Rupees per Month
Medium Risk based investment options like income mutual funds, Selective shares and stocks, utility based stocks, Equity mutual funds, Commercial or residential real estate, Blue-chip stocks, Forex currency trading etc…
5000 and above per Month
High Risk based small mid cap funds, Mutual funds of selective sectors like IT technology, oil and energy gas based, commodities, purchasing selling the shares, stocks, equity stocks investments etc…
This above information is to better understanding the available saving investing schemes and plans and level or degree of investment risks.

Saturday, June 29, 2013

Post Office Monthly Income Schemes in India

The latest devaluation and revaluation of currency value is increased the living expenses in recent days. Recently the petrol and diesel prices, ration rates, transport fares etc. are increased and affecting the all people life style and living costs at greater percentage.

Today’s currency value changes are aware the importance of small savings, saving investments in good returns, yielding with or without investment risks. Available both no-risk (risk free), risk based savings and investment plans and schemes are helps in becoming a millionaire and to meet future needs or expenses. If you need regular monthly income, this monthly income scheme provides a regular monthly income to the investors or MIS account holders

Post Office Monthly Income Schemes (PO MIS)

Design a best small saving Investment Strategy with small amount of Investment options. PO MIS are good investment savings opportunities for small medium beginner investors and Senior citizens or retired investors wishing to get a fixed income along with high security and safety investing.

Post Office Monthly Income Schemes in short, POMIS are best small saving Investment opportunities in India. Buy a post office MIS at any post-office to get tax benefits. The earing interest income ensuring from a post-office MIS plan is subjected to tax deduction under Section 80L of the Income Tax Act, 1961.

Features of best small investment savings plan POMIS are as follows,

Tenure of PO MIS Investment

(Maturity period is 5 years)

Investment Limitations

(Minimum amount of investment is Rs.1500/-),  
(Maximum amount (for individual account) is Rs.4, 50,000 /-) and
(For joint account holders is Rs.9, 00,000 /-)

Mode of Interest Payment:

(On monthly basis, payable interest rate is 8% p.a)

Who can open MIS account?

(Any Indian citizen (Single account)
Joint account (Two or more)
Indian minors with parent/guardian)

Bonus on investment amount:

(No Bonus on Maturity w.e.f.  01-12-2011).

Other Features of Post Office Monthly Income Schemes (PO MIS) 

(Premature withdrawal is permitted from one year after onwards to investing date).
(MIS deposits are exempt from Wealth Tax)
(Nomination facility is available for this plan).
(One account for one individual).
(A separate account is opened for each deposit).
(Facility of reinvestment is there).
(Non-Resident Indian NRI / HUF are cannot open the MIS account)

Invest Small Portions of Money Wisely - Save to Invest

Begin to saving money from now for your future needs and to maintain retirement life with your financial freedom, put your money in the stock market because it is your best bet for superior long term returns, and make investing a priority. Investing money is not only to become a millionaire. To become a wealthy person, you need to start savings in chosen best investment saving plans and schemes.

Choose the right investment saving plan to begin to invest with small amounts of money from your regular income to make additional secondary income. Plan 500 Rs per week will keep to on wealthy side. Try to reduce your living costs, luxuries and unnecessary expenses. This small saving amount after one year will be 60,000 Rs. This accumulated money is helpful as the emergency fund to meet increased living costs, future health expenses and regular expenses.

If you save even 500 Rs per month for 5 years, the accumulated money might be 3, 00,000 Rs (3 Lakh INR). These 3 lakh rupees are enough to pay all your debts or children educational fees, personal loans, a greater portion of home loans or bank loans. If you have no any debt, you can buy gold jewellery or gold.

Here is simple process of invest money carefully:

Determine your financial goal.
Design a financial plan carefully.
Choose best investment saving plan.
Diversify your saving investing money.
Consider level of investment risks and returns.
Evaluate your investment portfolio on regular basis.
Get financial freedom with short term & long-term investments.

How to find best online information:

Read and collect savings investment information from various online sources like saving investment tips blog, popular websites and other sources like investment books, financial articles, business magazines, documents, investment advice books, etc…

Friday, June 28, 2013

Saving Investments schemes to Earn Good Reurns - Investment Savings Guide

Changes in the latest currency value in terms of devaluation and revaluation is leading to empty packets. The currency value fluctuation is increased the living costs, hike in transport fares of busses, autos, air tickets.

In my case, when I booking tickets online to my hometown almost from past few years, just I paid 900 INR. But from recent days, I am paying travel ticket fare is 1363 INR. The difference amount is 463 RS for single journey to pay from my packet. (This is excluding other expenses).

 Now I am focusing on savings in order to balance the income and expenses. Here I am sharing few investment and savings tips to secure the future financial position.

There are risks free and risk based investments schemes exist in India. In the share stock market and commodity, forex trading markets, there is a scope to earn high yielding depending upon many factors. Risk is the shadow of all investments. So It is better to know how to balance risks and good returns.

Depending upon age, there are thousands of saving investment plans making confusion to beginner and regular also senior citizens investors. Based on type of risks, these available schemes are categorized into two categories. They are 1) Risk free investments 2) Risk based investments.

Risk-to-Good Returns investment savings tips:

There are few categories of risk less and risky speculations to earn regular or additional money. They are mentioned as follows: 
Risk less and Risky Speculations or Investments
Type of risk (in terms of degree of risky nature)
Examples of speculations schemes or plans
Safe investment schemes or plans
Saving bank account, Certificate Deposits, treasury securities, savings bonds, life insurance, security bonds, recurring deposits, Public Provident Fund, Senior Citizens Savings Scheme, Monthly income schemes and plans, Fixed Maturity Plans, Gold saving investments etc…
Low Risk based
Fixed deposits, indexed annuities, corporate bonds, money market investments, few types of mutual funds, online Gold trading etc…
Medium Risk based
Preferred stocks, utility stocks, income mutual funds, Equity mutual funds, blue-chip stocks, residential real estate, forex market trading etc…
High Risk based
Small and mid-cap stocks, small cap funds, and mutual funds of IT, energy, technology, oil & gas based, derivatives, commodities, buying selling shares, stocks trading etc…
This above information is to better understanding the available saving investing schemes and plans, type of investment risks and level of risks.

During the young age, you can invest money in risk based good returns producing plans. While at retirement age, it is advised to invest in low-risk investments plans and secure savings plans. Before and while plan to investing in selected scheme, it is advised to understand the Investment Risk.

Hoping I covered the fundamental information on need of financial goals, investment goals to meet future expenses and to achieve good financial position. In next coming posting, I’ll cover more information on above same. You can question or share your experience on determining financial investment goals, best performing plans, and ways to meet future needs etc…