Unlocking
Financial Growth
Investing is a key strategy for building wealth, achieving financial goals, and securing your future. Whether you’re a beginner or an experienced investor, making smart investment choices is essential.
Understanding Investments
Savings is more of a passive way of accruing wealth as the risk element is zero. On the other hand, investments are considered as an aggressive method of wealth generation. Investments in financial terms means the money spent today with the hope that it might reap more value in the future. There are multiple investment schemes available in the market. People invest money in various schemes with an idea to obtain a profit in the future.
Investments are significant in today’s ever-changing economic landscape. The investment enables you to build a corpus which is essential after you retire. It even acts as a saviour to your family in case of your demise. Tax depreciation is another objective that you can achieve through investments.
At FinFortune, the users can find investment schemes from various financial institutions in India that are safe and guarantee big returns.
Types of Investment options at FinFortune
Mutual Funds
Mutual Funds are one of the popular investment instruments these days. Mutual funds refer to a pool of money collected from the investors which are in turn used to buy securities, usually stocks and bonds. Mutual Funds are managed by fund houses that provide various schemes to the customers. Most Fund houses have designed schemes that provide optimum returns to their users.
Mutual funds are an excellent investment instrument to get exposure to expertly managed portfolios. As the fund house gives you schemes where your assets are invested in different instruments, you also get to diversify your portfolio. Performance of mutual funds depends on market risks.
Investments are significant in today’s ever-changing economic landscape. The investment enables you to build a corpus which is essential after you retire. It even acts as a saviour to your family in case of your demise. Tax depreciation is another objective that you can achieve through investments.
At FinFortune, the users can find investment schemes from various financial institutions in India that are safe and guarantee big returns.
Types of Mutual Funds
Equity Mutual Funds
As the name suggests, investments in equity shares of the company fall under the category of Equity Mutual Funds. It has the potential to offer the highest returns among all types of Mutual Funds. The returns depend on the market situation. At FinFortune, we provide you options to invest in a variety of Equity Mutual Funds.
Debt Mutual Funds
Investments in debt, securities, and other fixed-income instruments fall under the category of Debt Mutual Funds. Risk-averse individuals mostly prefer it. The returns are comparatively less than equity funds as it’s not affected by market conditions.
Hybrid Mutual Funds
Hybrid Mutual Funds or Balanced Funds are the types of funds where the investment is split between equities and debts. The idea behind this combination is to balance the risk-reward ratio as your investments are diversified. It is the best instrument available currently to diversify your portfolio.
Monthly Income Scheme
The Monthly Income Scheme (MIS) is a popular investment option that offers individuals a reliable and consistent income stream. It is designed to provide regular monthly income while preserving the invested capital.
The Monthly Income Scheme typically involves investing a lump sum amount in a financial instrument, such as fixed deposits or bonds, that generates regular income.
Types of Monthly Income Plan
Mutual Fund Monthly Income Plans
Mutual Fund Monthly Income Plans invest in a mix of debt and equity instruments to generate regular income for investors. The income is typically distributed in the form of dividends or interest payments. These plans aim to provide a balance between income generation and capital appreciation.
Fixed Deposit Monthly Income Plans
Fixed Deposit Monthly Income Plans involve investing a lump sum amount in fixed deposit schemes offered by banks or financial institutions. The interest earned on the fixed deposit is paid out to the investor on a monthly basis, providing a regular income stream.
Post Office Income Scheme
The Post Office Monthly Income Scheme (POMIS) is a government-backed savings scheme available in post offices. It offers a fixed interest rate and guarantees a regular monthly income for investors. The scheme has a maturity period of 5 years.
Real Estate Monthly Income Plans
Real Estate Monthly Income Plans are investment schemes that involve investing in income-generating real estate properties such as rental properties or real estate investment trusts (REITs). The rental income generated from these properties is distributed to investors on a monthly basis.
Insurance Monthly Income Plans
Insurance Monthly Income Plans are insurance-cum-investment products that provide policyholders with a regular income stream. These plans combine life insurance coverage with investment components, allowing policyholders to receive regular income payouts during the policy term.
Other Investments
Stocks
Investing in stocks involves buying shares of publicly traded companies. Stocks offer the potential for high returns but also carry higher risks. Investors can benefit from capital appreciation and may receive dividends if the company distributes profits to shareholders.
Bonds
Bonds are fixed-income securities issued by governments, municipalities, or corporations. When you invest in bonds, you are essentially lending money to the issuer in exchange for periodic interest payments and the return of the principal amount at maturity.
Exchange-Traded Funds (ETFs)
ETFs are similar to mutual funds but trade on stock exchanges like individual stocks. They provide investors with exposure to a basket of assets, such as stocks, bonds, or commodities. ETFs offer liquidity, diversification, and the ability to invest in specific sectors or asset classes.
Real Estate
Investing in real estate involves purchasing properties, such as residential, commercial, or rental properties, with the aim of generating income through rent or capital appreciation. Real estate can provide long-term stable returns and serve as a hedge against inflation.
Fixed Deposits
Fixed deposits are low-risk investment options offered by banks and financial institutions. Investors deposit a specific amount for a fixed period and earn interest on their investment. Fixed deposits offer guaranteed returns but typically have lower interest rates compared to other investment options.
Retirement Accounts
Retirement accounts, such as Individual Retirement Accounts (IRAs) or 401(k) plans, provide tax advantages for long-term retirement savings. These accounts allow individuals to contribute a portion of their income, which grows tax-deferred or tax-free until retirement.
Commodities
Investing in commodities involves buying and selling physical goods, such as gold, silver, oil, or agricultural products. Commodities can act as a hedge against inflation and offer potential returns based on supply and demand dynamics.