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Investment options for Middle Class
Tags :
stock market, Investment , Middle Class, India
Industry :
Asset Management, Banking, Equity Research/Analytics, Hedge Funds/VCs/Private Equity, Insurance
Functional Area : Derivatives, Equities, India, Personal Finance |
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About "Investment options for Middle Class" topic:
Indians are traditionally savings oriented but Only a small number of daring Indians ventured into the stock market. The big learning from the survey is certainly the seeming lack of attention paid by the urban middle class to Financial Planning. That too at a time of high decibel levels on matters of personal finance with enough light and sound in the media and among the public about the myriad investment options available. All that preaching is certainly not getting practiced. So here let us discuss what the Investment options are and which are the investment options for middle class people in India?
1 insight
, 11 debates
, 5 idea contests
, 1 question
on topic: "Investment options for Middle Class"
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(rate this)
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1
Invest in Gold
2
Invest in Banks ie. in CDs', FDs' and other fixed interest securities
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Ajay Shah
| Supported idea
"25% shares, 25% Mutual Funds, 25% Insurance&ULIP, 25%FDs"
| 2 years ago
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The solution suggested is very simply stated without much complications. The solution seems moreover less balanced from all the angles and for all the ages.
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Vipin Bhasin
| Added idea
"Diversified Portfolio In True Manner "
| 2 years ago
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Friends here we mentioned term "diversified portfolio" but if we want a "risk free investment" with good returns then we are not only go for diversification of investment products but also keep in mind that our portfolio will be combination of...
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Ideate: "How can an investor ensure a 'risk free investment' from a diversied portfolio of assets in todays' market?" deleted from your view.
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(rate this)
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1
SIP (Systematic Investment Plan)
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Public Provident fund (PPF)
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Vipin Bhasin
| Added idea
"Diversify Portfolio"
| 3 months ago
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Diversified Portfolio will always lead to higher return. And allocation of our fund depend on our monthly capacity of investment. SIPs, Equity, Gold, Real Estate and bonds are best option for middle class salaried individuals to make portfolio...
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MUTHUKRISHNAN
| Supported idea
"Unit Linked Insurace/Investment Plan"
| 2 years ago
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Reliance Sip Insure comes with No Load. It also offers, payment of future instalments in case of death.
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Rijo Stephen Cletus
| Supported idea
"SIP (Systematic Investment Plan)"
| 2 years ago
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Parking your money in Mutual Funds is the best solution. Based on the risk appetite, you need to research and find for yourself the best mix of mutual funds for you. You can choose between, diversified equities, equities, sector specific funds,...
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Ideate: "For middle class salaried people, Which is the best investment options available in India?" deleted from your view.
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(rate this)
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Yes
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1
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VS |
2
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No
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Sunny Sabharwal
| Argues in support of
"No"
| 2 years ago
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I understand that investors can be categorised based on their knowledge only. This is because all other factors like risk, return expectation, horizon, liquidity, tax benefits, etc. will all fit when they are actually aware what these parameters...
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Deepak Tripathi
| Argues in support of
"Yes"
| 3 years ago
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As far as suitability is concerned, for the true middle class, there are already options to invest in hedge fund like vehicles that are registered as mutual funds. Given the lack of asset flows into this niche area, would probably signify that...
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Debate: " Will hedge funds become accessible to the middle class?" deleted from your view.
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(rate this)
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1
HDFC Prudence Fund
2
SBI Magnum Taxgain Scheme 1993
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SIBA PRASAD MAZUMDAR
| Added idea
"Boldness to eradicate corruption"
| 2 years ago
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We need to be bold enough to tender protest. We must have courage to ventilate corruption to appropriate level.Above all our senior authorities should be honest.How this dream can be ventured & bring into reality.
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Sharad Kiyal
| Supported idea
"Birla Sun Life '95 Fund"
| 2 years ago
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Birla Sun Life '95 Fund had shown very good growth and still it is showing very good growth in the market.
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Ideate: "Which is the best mutual fund investment ?" deleted from your view.
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(rate this)
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"Consumer Class"
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39
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VS |
35
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"Savings Class"
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Shruth & Smith Group
| Argues in support of
""Consumer Class""
| 4 months ago
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The poor class will never have enough money to save, they will only that much which they have to spend and still will be in short of money. But the Middle class has an option to spend and save, it depends from person to person or family to family,...
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pragati parihar
| Argues in support of
""Savings Class""
| 11 months ago
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Indian middle class is more insecure about future than upper and lower class hence they save more than they consume.
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Swati Raut
| Argues in support of
""Savings Class""
| 2 years ago
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Indians are basically savings oriented. The growth of output of any economy depends on capital accumulation, which in turn requires investment and an equivalent amount of saving to match it. India Financial Market has promoted the savings of the...
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Debate: "Indian middle class- Is it a 'consuming class or a saving class'" deleted from your view.
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(rate this)
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Mutual Funds
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6
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VS |
12
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Real Estate
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Nilesh Pawar
| Argues in support of
"Real Estate"
| 1 year ago
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Irrespective of rising prices of flats and interest on housing loans people do need homes. Therefore they will keep buying, leaving good profits for the industry, so the stock prices of Realty sector keep climbing up giving better option to mutual...
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Vipin Bhasin
| Argues in support of
"Mutual Funds"
| 1 year ago
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Archana and others Please don't make comparison without amount, time period of investment etc etc. If someone want to invest Rs.10k to 20k. Someone want to invest for very short period. Valuation of gold: it becomes 4 times from the prices 4-5...
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Anup Ghoshal
| Argues in support of
"Real Estate"
| 2 years ago
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Those who have capacity to invest in real estate, must chose this investment option over MF . I beleive that real estate can never go down on a long term perspective. As population grows there will be requirement of living & commercial space ,as...
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Debate: "Real estate or Mutual funds in this current scenario?" deleted from your view.
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(rate this)
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If your income is more than minimum tax-exempt slab, then the easiest way to save tax is to bring down that income to the exempt slab or the lowest slab possible. So, in case your income is Rs.3 lakh and you are working man, you must bring it down to Rs. 1.6 lakh so that you don't have to pay any tax. This can be done by making some investments that are allowed to be deducted from your income before tax is calculated. these investments not only save tax but can also but also be a part of your overall portfolio of wealth creation.So the smart thing to will be to not look at these as part of your tax saving exercise but to weave these investments into larger objective to wealth creation.
Insight: "The simple investing instrument tips that can help save tax......" deleted from your view.
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(rate this)
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No, Its Criminal
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1
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VS |
0
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Yes, Its good
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Sanjay Bhatia
| Argues in support of
"No, Its Criminal"
| 2 years ago
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The additional service tax on houses under construction has given me a jolt after severe jerks in form of BUDET 2010, which is totally anti common man, illogical and reflects a monopoly attitude of Congress Government. I am totally convinced that...
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Debate: "Service Tax on Construction of house property in Budget 2010" deleted from your view.
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(rate this)
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You all know these days sugar is in news lately with its ever increasing prices, and with less supply there is a greater demand for sugar these days, which is an essential commodity in everbody's hou...
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vikash vardhman
| Answered
| 2 years ago
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i don't think it is the right time to buy sugar stocks . the reason is that the kind of news we are seeing about the strike of farmers of westurn up the price of sugar cane is about to rise. govt is very strict on the price rise on sugar. sales...
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oliviaanderson
| Answered
| 2 years ago
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This is a wonderful opinion. The things mentioned are unanimous and needs to be appreciated by everyone. -------- Best Stocks and Shares ISA
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Answer: "Is this the right time to buy the sugar sector stocks? " deleted from your view.
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(rate this)
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1
Invest as per my suggestion
2
Investment bouquet
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Sunil Mehta
| Added idea
"Wealth Management"
| 1 year ago
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Real estate and gold are traditionally the top investment choices of many Indians. If you have some appetite for risk, stock market is a great investment option. All I would suggest is to not invest all of your money in one instrument....
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Paresh Dhembare
| Supported idea
"Mutual Funds"
| 2 years ago
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Investment in MF through SIP is always better option to multiply your wealth. This will help you in taking the advantage of Rupee Cost Averaging. As you are paying the money in installments, it will help you to reduce the risk of market...
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Ideate: "Which is the best investment option?" deleted from your view.
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