HOW CAN EMPLOYEE INVEST FOR BRIGHTER FUTURE - Kalindi Chokshi

HOW CAN A EMPLOYEE INVEST FOR BRIGHTER FUTURE? 

We all know that when a company invests in employees it’s the smartest move. They provide them all essential facilities and services. 

But, how can a employee invest for his secure future? 

It’s very important for a employee to invest for future (I.e. the life after retirement). 

Before investment one should know the principle: ” Higher the risk higher is the return.”

For investment for safer future there are many ways :

FIXED DEPOSIT:  Fixed deposit is a safer and common option. It’s investment that has ‘ low risk, low return'. In this person becomes the investor of the bank from which he has taken FD. A person will get fixed return which I’ll be higher than the saving account. Different banks have different tenure. Longer the tenure higher the return.  

REAL ESTATE: Buying a land / house /flat is all 

Real Estate investment.

 It’s based on principle : ‘Higher risk higher return.’ It’s a long term investment. For example if u have bought a flat for 50 lakh today..after 10 years it's price will get increased by 15% approx if odds are in your favour!!

GOVERNMENT BONDS: It’s one of the safest investment option. It has low risk medium returns . Your money invested is used by government and is returned after a period of time.

SHARE MARKET: Investment in share market has higher risk and higher returns. Here u invest in a company. The money is been used by the company for the growth which causes rise in share value. The percentage of company success will cause percentage of higher returns on your investments

BUYING GOLD: It’s one of the common way to invest. As gold's value increases you can also get good amount of returns. 

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MUTUAL FUNDS : Mutual funds are bunch of stocks . Asset management companies collect money from u in small amounts and invest it in stocks. If you have no experience of share market this investment is best option for you.

PUBLIC PROVIDENT FUND (PPF)- It is a government approved scheme. There is no tax calculated on the interset. You can invest for 15 years and than can extend the period for 5 years. The interest depends on the government polices.

NEVER RELY ON SINGLE INCOME . HAVE SOME PASSIVE INCOME SOURCES

Kalindi Chokshi