investment options for people to want to increase there wealth

1. MR. ROY HAS A SURPLUS OF
INR 15,00,000 & SEEKS YOUR
ADVICE IN PLANNING HIS
INVESTMENTS SUCH THAT
HE IS ABLE TO EARN 12% TO
14% RETURNS OVER THE
NEXT 10 YEARS. PREPARE A
FINANCIAL PLAN FOR HIM

2. FINANCIAL GOALS ARE TO EARN
10-12% RETURNS ON 15,00,000.
INVESTMENT OPTIONS TO MR. ROY:
FIXED DEPOSITS
MUTUAL FUNDS
GOLD FUNDS
INSURANCE
REAL ESTATE
BONDS

3. WHAT IS FINANCIAL PLANNING?
• Meeting life goals through proper management of finances
• Multi step process
• Review of current financial situation of an individual
• Blue print

4. FIXED DEPOSIT
• WHAT IS FIXED DEPOSIT?
• FEATURES OF FIXED DEPOSIT:
• High rate of interest
• Low risk
• Fixed returns
• Tax benefits .
• Loan against fixed deposit
• Sweep in ,Sweep out
• Auto renewal

5. INTEREST RATES OF DIFFERENT BANKS
• HDFC--7.25
• AXIS—7.25
• ICICI—7.25
• KOTAK—7.25
• SBI—7.00
https://www.hdfcbank.com/personal/fixed-deposit-
calculator

6. INSURANCE
• WHAT IS CONVENTIONAL POLICY?
• ENDOWMENT POLICY
• MONEY BACK POLICIES
• ULIPS
• TERM INSURANCE
• RETIERMENT POLICY

7. MUTUAL FUNDS
• Growth funds
• Index funds
• Sector funds
• Diversified equity
• Mid cap / small cap

8. • Thematic funds/opportunity fund
• Contra funds
• Gilt funds
• Equity oriented
• Equity linked savings scheme

9. GOLD
• Gold bonds
• Issued by RBI
• Interest rate:2.75%
• Sovereign gold bonds
• De-mat form
• Max-limit: 500gm
• Announced in 2015
• Used as collateral for loans

10. • Gold monetization scheme
• Metal account
• Interest rate:2.25%-2.50%
• KYC documents are mandatory
• Tenure:1year
• Minimum deposit is 30gm
• Types of deposits:
• Medium deposit
• Long term deposit

11. GOLD EXCHANGE TRADED FUNDS:
• Traded in stock exchange
• No wealth tax and VAT
• Capital gains tax after 1 year
• No entry and exit load
OTHER INVESTMENTS:
• Gold bars/ coins
• Gold certificates

12. REAL ESTATE
•Positive cash flow
•Using leverage to multiply asset value
•Hedge on inflation
•Capitalize on physical assets
•Maximizing tax benefits

13. BONDS
• Why should MR.ROY invest in bonds?
• How to buy bonds?
• How to sell bonds?
• How many types of bonds are present?

14. CONCLUSION
• Thus we conclude that as financial planners we suggested MR. ROY to invest
his surplus money in all the possible ways where he can receive 10-12% of
growth in coming 10 years.

15. REFERENCES
• www.hdfc.com
• www.moneycontrol.com
• www.google.com
• www.economictimes.com