Investments are important in today’s world, just earning money is not enough You do a job; you get a salary. You work hard for the money you earn. But that money may be adequate to fulfill your dream or to live a healthy lifestyle. To fulfill what you require, your money should work for you as well. This can only be accomplished by doing investments today to build a better future.
There are plenty of options where you can invest. Some of these options are
- Fixed Deposits
- Mutual Funds
- Stock Market
- Real Estate
- Bullion
FD investment is safe, but it is a low return asset. Earlier the FD rates were at 9% per year, now the FD rates are at 6-7% per year. So, FD at present is not an attractive option. Moreover,
Real Estate was a good option at an earlier time. As it is a cash-driven asset and a lot of regulations are coming in, it is not as good as was in the past. If FD rates are coming down by 3-4 percent, Real estate prices will fall 20 percent more than the FD rates. Gold is a good option, but it gives only 4-5 percent a year return.
A mutual fund is also a good option to invest in. you may get a return of around 12-18 percent by investing in mutual funds. But there is a lock-in period in some of the mutual funds and the time you invest, your investment may go down. A lot of people were buying mutual funds in the view that in two to three years’ time, they would get good growth and return. But what happens, Mutual fund has gone down.
Investment in the stock market is one of the best options to choose from. It gives you around 10-25 percent per year based on the right stock selection. Moreover, it is also beating the inflation rate.
Inflation is one of the major factors that decide either you meet your purpose of investment or not. From the all given options of investments, the only stock market fits in for the investment and helps to fulfill your dreams/goals.
At pathfinders, we emphasis on doing intraday and portfolio building. Intraday trading help to generate income and long-term portfolio building helps to grow your capital. A skilled person should look the option as earning 10 percent in a month from the intraday and invest that money for long term portfolio building and expect only 2 percent per month on long term portfolio. Doing this, an individual become financially free in the coming years.