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POSTED BY ON September 24, 2012 5:34 pm COMMENTS (10)
Dear
Goodmorning.I have 3 Plans which are running :
1. Life Stage Pension Advantage of ICICI – 25 K yearly ( 4 yrs Completed ) 2. Aegon Religare – Imaximize 2 K Monthly ( started April’ 12 ) 3. Tata AIA Life Mahalife Gold – 3192 K Monthly ( started Sept ‘ 12 )
Total 85 K is invested, now I want to invest 15 to 20 k………..So please share me a good plan which will give me a better returns. I have no much idea so pls suggest me.
Thanks
Vishal Dogra
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Thanks Pradeep, but I have tried in share market and did Trading.I was lost 2.5 Lakh and 1.5 Lakh is there whose value in 50 K.
Thats why I want to know where will I invest and then dont be worry for this at present.
Dear Vishal Ji,
What pradeep ji meant is investing in Stock Market not speculating.
Now whats the difference?….
Let me give you a small example…
Speculating :
Buying SBI Today – 2250 and Selling it Today only – 2250,
I consider SBI hasn’t moved from where it is…
So what are you gaining?
Loss of Brokerage.
Investing : (just for example)
Bought SBI few months back – 1800 (eg)…
Selling it after say 1 year with value being at 2300-2500 (i am being conservative).
So where did you make money.
But in the above example, you should know when to TIME the markets….. so until and unless you know when to TIME markets and which STOCKS to invest in STOCKS are extremely dangerous for retail investors.
Hope you got my point.
If you want only return and nothing to worry about risk share market is the best option and another option is mutual fund
Thanks Pradeep, but I have tried in share market and did Trading.I was lost 2.5 Lakh and 1.5 Lakh is there whose value in 50 K.
Thats why I want to know where will I invest and then dont be worry for this at present.
Thanks
Vishal Dogra
Dear Ashal
Could you suggest me any MF which is best.
Thanks
Vishal Dogra
Dear Vishal, I can list some good funds but not the Best one.
Quantum Long Term Eq.
Franklin India Bluechip
HDFC Top 200
DSP Eq.
IDFC Prem. Eq.
Birla Frontline Eq.
ICICI Pru Discovery
UTI Div. Yield
Please opt one from the above list. This is for info purpose only & not the choice of preference.
Thanks
Ashal
Dear Vishal, if you die today, how much money your family ‘ll get from all these 3 plans?
Thanks
Ashal
Dear Ashal
From above mentioned Policies, here is the details :
1. Icici sum assured is 1 Lakh + 73 K (Investment) = 1,73,000.00
2. Aegon Religare is 2 Lakh + 11 K (Investment) = 2,11,000.00
3. Tata AIA Mahalife 4 Lakh + 03 K (Investment) = 4,03,000.00
Total = 7,87,000 (Approx)
Rest apart from this I have Insurance for my Company too, so thats why as per my Knowledge I am more interested in returns.
Please guide me in this, how much I have to do the Insurance and how much for returns.
Thanks
Vishal Dogra
Dear Vishal, how much money including that Company insurance? What’s your yly income?
Thanks
Ashal
Dear Ashal, I have yrly income of 5 Lakh and if I add conpanies insurance then it is near about 10 to 15 Lakh minimum.
But I will not with me, when I leave the company.So suggest me wt should I have to do and how much limited Insurance should be. Before that I thought about Term Plan also where you have the life cover of 75 Lakh and invest 6.5 K yearly.But as my Job is secure Job means office Job, thats why I leave this Plan.
Now you suggest me.
Thanks
Vishal Dogra
Dear Vishal, in my personal opinion you should purchase a term cover of 60-75L Rs. & invest your money in FDs, PPF & MFs.
Thanks
Ashal