Start early � You should start investing in as early as you can. By staring early, you are giving yourself additional time for failure and success in investing journey. By cibil scorestarting early you are also giving yourself benefit of �power of compounding�. Power of compounding works as magic if you start early. For example if you invest Rs 1 lakh at the age of 25 then you will get close to 1 Crore Rs by the time you turn 50.
Invest in SIPs � SIP stands for �Systematic investment Plan� and is one of the best options to invest in market. You can invest through SIP in mutual funds. Mutual funds are the best option for first time investors. These mutual funds are professionally managed by fund houses invest in large number of companies. Before investing in any mutual fund, you should look for past average performance of the fund house, total experience, sectors and companies investment optionsmanaged etc. There are different types of funds available in market like large cap fund, mid cap fund, small cap fund, balanced fund, debt fund etc. Initially, investors should look to invest in balanced fund through SIP. By taking SIP route to invest in stock market you are reducing the burden from your side and also reducing the cost of funds over a longer period of time.
Say �no� to day trading � Day trading is an investment strategy adopted by some investors to invest or exit daily from the market. You should avoid this strategy and remain invested for longer period of time.
Dollar cost averaging � It is advisable for first time investors to not to invest loan against GPA propertytheir entire money at one lump sum payment in investment. For Ex � if they have 50 thousand to invest in stocks then they should break down this into 10 investments of 5000 each for 10 consecutive months. This will reduce their average cost of acquisition and even if market takes a down turn then their loss would be minimize due to �Dollar cost Averaging�.
There are plenty of new options available to first time investors to invest their money intelligently. It is advisable to invest in through SIP mode in balanced funds and tax saving funds. First time investors should avoid the trap of day trading and advice of relatives. Investment for a longer tenure is advisable for first time investors to take advantage of �magic of compounding� rule. The article on Loankuber made me inform about investment strategies for first time investors. This article on investment options proved to be very informative and beneficial to me and if you are a fellow borrower you should definitely give this article a read.
Cash and Cash Equivalents Asset classes for first time investors
It is the most liquid form of asset class that you can invest in. It includes physical cash, money in your saving accounts, short term T-Bills etc. You can easily convert these instruments for your needs but these instruments give a minimum or no possible ROI.
Fixed Income As the name suggests these asset classes gives a fixed income after a certain interval of cibil scoretime. These asset classes usually offer a rate of investment that will not be able to beat inflation in short to longer term. Fixed income instruments would include Bank fixed deposits, Recurring deposits, PPF, Post office saving schemes, Endowment plans etc. If you wants to earn a moderate ROI but at the same time don’t want to risk your money, then you must invest your money in these instruments.
Equity Equity is one asset class that is having highest risk with possibility of highest ROI. Equity refers to stocks and shares that you buy as a part of ownership in a company. This instrument is best suited for an individual with credit score rangehigh risk taking ability. Equities would include investment options like direct equities/stocks, Equity mutual funds, equity linked saving scheme, Exchange traded fund etc.
Real Estate Real estate investment is one of the most illiquid investments present in Indian market. You need to invest a large amount of money at the beginning to purchase a property. This form of investment is quit cyclical in nature and the rate of investment cannot be predicted with certainty. All major Indian cities are facing a slump in real estate market and ROI has been in single digits in all major cities in past few years.
Commodities � Commodities refer to the physical goods that can be bought and sold in the market. Gold and silver commodities are one of the most popular commodities in India. Indians have been investing in gold and silver since ages.ROI
Peer to peer lending � It is one of the most recent addition to investment asset classes available to investors. It is bases on social lending concept in which a group of lenders crowd fund a borrower. An investor in peer to peer lending can earn a ROI between pretax returns of 18% to 25% per year, which translates to 12% to 17% post tax returns per year.
We all have our lazy days where we just wanted to lay down in our bed, hugging our pillow. We sometimes lack enthusiasm in doing the tasks that we will be having during the day. Almost all of us experience these kinds of dilemmas wherein we feel like dragging ourselves just to go to work. If we’re always like this, chances are, we will never completely productive for the whole day. Here are some of the tips that you can follow for you to be able to stay productive in your lazy days most especially if you’re working abroad.
Have enough hours of sleep
The recommended hours of sleep should be eight hours. As what the National Sleep Foundation published on their website, there are age-specific recommended sleep durations based on a rigorous, systematic review of the world scientific literature relating sleep duration to health, performance and safety. The said professional organization developed these scientifically grounded guidelines on the amount of sleep that we need each night to improve our sleep health.
Our mood affects how we do our daily tasks. Whether we deny it or not, usually, our mood has the capacity to influence the way we work on things. For example, if you’re happy, there’s a huge possibility that you will be able to finish your tasks effectively than when you’re not in your best mood. Aside from that, having enough hours of sleep also helps improve our memory, lowers the stress level, and improves our concentration for a clearer thinking.
How to motivate yourself when you feel like you don’t want to finish your task for today? Ask yourself why are you working? Is it because you wanted to buy that pink dress or simply because you love that job? There are some factors that could help you enthused without forcing yourself. Revive that old playlist that you used to play when you’re still studying for your finals. Those inspirational songs will not just help you boost your productivity but will surely help you remember all your hardships back then, the main reasons why you are what you are right now.
You can also consider rewarding yourself whenever you have achieved or gained something and punish yourself whenever you didn’t reach the desired number of tasks needed to be done. How to make this possible? Buying that pink dress to yourself will be your reward for yourself if you’ve finished your tasks and if ever you failed to do your tasks, you can punish yourself just by excluding that pink dress from your lists of things you need to buy. One of the great things that could make you feel inspired is when you get to see your family that you really miss since you’re working abroad.
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I came across Binary Options Pro Signals a few years back when I’d just lost my job because of some stupid reason and I really needed the extra cash to support myself and thankfully I had money stashed away somewhere and instead of doing what most people would do which is to go on holiday and postpone your problems. I decided I was taking matters into my own hands and started looking at ways to make money online, which is when I discovered Binary Options Pro Signals.
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I’ve been with Binary Options Pro Signals now for 3+ years and for the first time, I can say that I’m less stressed and I’ve got a healthier mind set, and I’m actually enjoying life by not worrying constantly about where the next paycheck is going to come from. Taking control away from these company bosses and allowing myself to control my destiny is THE best decision I’ve ever made.
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