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  • Salary – start another employment

  • Entrepreneurship – start a business

  • Investments

  • Pension

  • Insurance annuity


What Is Investment?

  • The act of committing money or capital to an endeavor with the expectation of obtaining an additional income or profit. The goal of investing is to put your money to work in one or more types of investment vehicles in the hopes of growing your money over time.

  • “… The process of laying out money now to receive more money in the future.” Warren Buffett


Investment planning and its benefits

Investment planning is a core component of financial planning. It is the process of matching your financial goals and objectives with your financial resources


5 Steps to Build a Good Investment Plan

  • Which Purpose Are You Pursuing?

  • How Much Can You Realistically Set Aside for Investing?

  • When Will You Need This Money Again?

  • How Much Risk Should You Take?


Principles of Investment management

  • Embrace a proper investment strategy

  • Invest with a “margin of safety” and assess your risk adversity

  • Assess your risk appetite

  • Diversify your investments

  • Maintain liquidity

  • Invest for the long-term

  • Get your timing right

  • Start investing early and reinvest your gains whenever possible

  • Regularly review your portfolio


Different types of Investments

  • Treasury Bills and Bonds

  • Stock market

  • Commodities

  • Property and Infrastructure funds

  • Real Estate

  • Bank fixed deposits

  • Mutual funds

  • Cash savings


What and Where to Invest?

Tax Matters in Investments

You pay taxes on the following:

  • Dividends

  • Capital gains

  • Rental income

  • Interest income

  • Others