There are many options to plan the investment, here are few handpicked options to consider.

1. We are driven to
solve digital challenges.
All Hands Meet - Q1 ’22

2. Unlocking Wealth through Investment

3. Agenda
➔ What is investment & Scope of this conversation!
➔ How to invest & possible ways!
➔ When/ Why to start investment.
➔ What is practical?

4. What happen with Money!
Earn
Donate
Spend
Save
Need
Want
Not in
scope
Invest
Not Invest

5. What is our scope!
Earn
Donate
Spend
Save
Need
Want
Not in
scope
Invest
Not Invest

6. What is investment?
The action or process of investing money for profit.

7. Where to
invest?
● Bank
● Insurance
● Financial Institution
● Govt Scheme/ Bond
● Equity
● Landing
● Real Estate
● More??

8. Fixed
Deposit
● Fixed Deposit - What is it?
○ Pros - Guaranteed Income
○ Pros - Total Control on Money
○ Cons - Less Return (2% to 6%)
○ Cons - Sometime Unpredictable Rates
○ Cons - Bound to get less %
○ Pros - Very good for predictable income
○ Cons - No Income Tax Benifits
● Savings+ Account (Auto FD)
● Deposit with Overdraft (OD)
● Bank, Post Office, Financial Institution
● Recurring Deposit (RD), uncle of SIP

9. National
Savings
Certificate
● What is NSC?
○ Pros - Risk Free
○ Pros - Better Rate of Return (8.1%)
○ Pros - Rate wont impact in future
○ Feature - Quarterly Return
○ Feature - Invest from 100₹ to any amount
○ Pro - 80C Tax Benefits
○ Cons - No premature withdraw
○ Pro - Provision to take a loan

10. National
Savings
Certificate
● How much is the earning?

11. Senior Citizen
Savings Scheme
● What is it?
● Only applicable to Senior Citizen (55-60 year & 60+)
● Interest Rate - 7.4%
● Payout - Quarterly Payout
● More than FD, and rest of other such scheme
● Lockin - 5 year, extend up to 8 year.
● Investment up to 15,00,000 ₹
● Income is taxable

12. Employee
Provident Fund
● What is it?
● Interest Rate - 8.1%
● You can increase up to 2,50,000 ₹/ year
● Provision Take a loan
● Employee Pension Scheme
● Lockin - 5 active year
● Money locked - sometime few months

13. Public
Provident Fund
● What is it?
● Interest Rate - 7.1%, yearly compound
● No Age limit to open the account
● 15 year locking period, provision to liquidate. Withdraw 50% amount after
7 year.
● Investment limit from 500₹ to 1,50,000₹.
● 100% tax free on realisation.

14. Public Equity
● What is Stocks?
● Variants
○ Large/ Mid/ Small Caps
○ Short/ Long Term
○ Intraday/ Future & Options

15. Mutual Funds
● What is it?
● Variants
○ Public Stocks (Equity funds)
○ Debt Mutual Funds
○ Money Market
○ Growth funds
○ Fixed-maturity funds
○ Pension Funds
○ Public Equity Funds
○ Index Funds
● Systematic Investment Planning (SIP)

16. Private Equity
● What is it?
● Risk hai to ishq hai!
● How to do it? Nuances
● Pros - Potential High Return
● Mostly happening in Tech Startups or Next Generation
Business.

17. Insurance
● Why Insure?
● What to insure?
○ Life i.e. Term Plan
○ Health
○ Assets (Home/ Cars/ Etc)
● Other Insurance i.e. Ulip, Life, Pension etc…

18. Others
● Gold
● Real Estate
○ Agriculture Land
○ Non Agricultural Land
○ Residentials (Rental 1-4%)
○ Commercial (Rental 4-8%)
● Investment Bankers
● Portfolio Manager

19. Next Gen
● Crypto
● NFT
● Stocks Outside India

20. When to start
investment!
● Today is the best day to start investment!
● How much to invest?
○ Range from 10% to 90%
○ Ideal amount is 30%
● Word of Wisdom
○ Inflation
○ Compounding
○ Consistency

21. Why
Investing?

22. What is
practical?
● Divide the investment?
● Golden Rules
○ Real Estate will never go down.
○ Gold will always prevail.
○ Should have good share values in high risk.
○ Stock Market is better option since evolution of financial
market

23. Q & A
What is wealth?
The real measure of our wealth is how
much we'd be worth if we lost all our
money.