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January 2019
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MONEY KI BAAT….

There are few important points….should remember while investing….welcome to the new addition of MONEY KI BAAT
1.Don’t invest in PPF now. A better option today is ELSS-MFs. The recommended top rated ELSS-MFs are listed below. Do Monthly SIP in one or two of these ELSS-MFs. Remain invested long-term like PPF for 5–10–15… years.
2.SIP (=Systematic Investment Plan) is available for ELSS, Balanced, MultiCap as well as other MFs (Mutual Funds). It can be daily, weekly, monthly or quarterly SIP.
3.Most of the people think,
>> (Monthly Earnings minus Monthly Expenses) = (Monthly Savings)
In reality (as per the Billionaire Warren Buffet), it should be,
>> (Monthly Earnings minus Monthly Savings) = (MonthlyExpenses)
you should FIRST put your money in savings (=investment) on a monthly basis and THEN start spending for the month from the balance money available to you after your monthly systematic savings/investments.
4.Don’t expect quick returns from MFs in just a couple of years. You should be willing to wait for minimum 5 years to get about 100% returns from MFs.
you may have to wait for 6-7 years if there is a major market crash.
5. directly investing in the stock market is very risky and you may lose your money as it is a Very High Risk investment avenue. So, don’t invest in stocks/shares directly. Invest in MFs.

If you need a personal investment or career or interview guidance, write to jay_bhatt2001@yahoo.com

Happy investing
Regards
Jay bhatt
9300730004