The price of each and every commodity is changing with the changing times. So what we invest should be able to provide enough
returns to meet our future needs.
For example, if you had invested in property two years ago and if it
shows reasonable appreciation now you would be really excited about
having made the right investment. Sometimes we find that our savings
are not able to meet our needs and we conclude that the investment was
bad. You will then ask yourself: “What if I had known how to invest?”
The question acquires enormous proportions depending on the quantum of
the loss. An informed decision is better than relying on someone
blindly or leaving things to chance. The good news is that any person
who has a wish to learn can rely fully on the ‘basics of investment’
and take calculated investment decisions.
There are many types of investment options:
Fixed Deposit
Fixed Deposit is meant for those investors who want to deposit a
lump sum of amount for a fixed period - say for a minimum period of 15
days to five years and above - thereby earning a higher rate of interest
in
return. Investor gets a lump sum (principal + interest) amount when the fixed deposit matures.
A share or a stock is a document issued by a company which entitles its holder to be one of the owners of the company.
Shares are issued by the company or could be purchased from the stock market.
Bonds
A debt investment in which an investor loans money to an entity
(corporate or governmental) that borrows the funds for a defined period
of time at a fixed interest rate. Bonds are used by companies,
municipalities, states and U.S. and foreign governments to finance a
variety of projects and activities.
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