Please give me advise on How should I Invest ?

POSTED BY vhghorecha ON May 2, 2014 10:17 am COMMENTS (8)


I am Vimal Ghorecha 28 years old (06.09.1985). My monthly take home salary is 30K also I can earn 20K extra from other sources.

My Current Investment

1) PPF : 50000

2) MF : 10000

3) FD : 20000

4) HDFC Term Plan of 500000 SI.

5) Mediclaim of 300000 SI.

Kindly advise me how should I setup my investment in different area like Life Insurance, Mutual Fund, Bonds, PPF etc.

How much I should invest and in which %.

Thanks & Regards

8 replies on this article “Please give me advise on How should I Invest ?”

  1. ashalanshu says:

    Dear Vimal, now you are coming to right track. Please fixed a target corpus first for your each goal. Say Retirement, Kids’ education, Kids’ marriage, House purchase, car purchase, vacation. Identify, which goal is short term and which goal is long term. Based upon the time frame, decide the instrument for each goal and then only start investing.



  2. vhghorecha says:

    Hi Ashal

    Not getting you what are you exactly asking?

    Please advise me Goals means I need to decide how much invest or any thing else?

    Like Retirement, Child Future???



  3. ashalanshu says:

    Dear Vimal, if I want to say it more simplified manner, w’d you decide your journey before boarding a train or first you ‘ll board a train and then decide where to leave the train?



  4. ashalanshu says:

    Dear Vimal, please read my above query again. W;d you first decide your goals and link your investments to goals or w’d you decide investment first and then ‘ll link your goals to investment?



  5. vhghorecha says:

    Dear Ashal,

    Yes I willing to invest 30000 but I forget to mention that I also has Loan which take 15000 every month from my salary. So final investment amount would be 15000 per month.



  6. ashalanshu says:

    Dear Vimal, OK. So w’d you decide first your investment amount than calculate your goals or other way around?



  7. vhghorecha says:

    I have visited FAQ link but I not find suitable answer as per my need.

    Thanks Ashal


  8. ashalanshu says:

    Dear Vimal, how about reading this first –

    jagoinvestor. com/forum/finacial-planning-faqs



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