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investment.html
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<!DOCTYPE html>
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<title>FinanceX- OnlineMoneyManagement</title>
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<!-- ======= Header ======= -->
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<h1 class="logo"><a href="/home">FINANCEX</a></h1>
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<ul>
<li><a class="nav-link scrollto" href="/home">Home</a></li>
<li><a class="nav-link scrollto" href="/home">About</a></li>
<li><a class="nav-link scrollto" href="#Total" id="total"></a></li>
<li><a class="nav-link scrollto" href="#income" id="income"></a></li>
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<li><a class="dropdown-item active" href="/investments">Investment Options</a></li>
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<br>
<br>
<br>
<br>
<br>
<div class="section-title">
<span>Investment Options</span>
<br>
<section id="pricing" class="pricing">
<div class="container">
<div class="row">
<div class="col-lg-4 col-md-6" data-aos="zoom-in" data-aos-delay="150"
style="width: 1200px; opacity: 0.9;">
<div class="box" style="text-align: left;">
<h3>WHY SHOULD YOU INVEST?</h3>
<h6 style="margin-left: 1.5%;">You have 3 compelling reasons to start investing today-</h6>
<br>
<ul style="text-align: left; list-style-type:disc; margin-left: 2.5%;">
<li>Flight inflation- By investing one can deal better with the inevitable - growing
cost of living - generally referred to as Inflation.</li>
<li>Create Wealth - By investing one can aim to have a better corpus by the end of the
defined time period. In the aboe example, the time period was up to retirement but
it can be anything - children's education, marriage, house purchase, retirement
holidays etc.</li>
<li>To meet life's financial aspiration - better home, a better car, quality vacations
to name a few.</li>
</ul>
<button class="btn btn-secondary dropdown-toggle" type="button" id="dropdownMenuButton1"
data-bs-toggle="dropdown" aria-expanded="false">
INVESTMENT OPTIONS
</button>
<ul class="dropdown-menu" aria-labelledby="dropdownMenuButton1">
<br>
<li><a class="dropdown-item, scrollto" href="#DE">Direct Equity</a></li>
<li><a class="dropdown-item, scrollto" href="#EMF">Equity mutual funds</a></li>
<li><a class="dropdown-item, scrollto " href="#DMF">Debt mutual funds</a></li>
<li><a class="dropdown-item, scrollto" href="#NPS">National Pension System</a></li>
<li><a class="dropdown-item, scrollto" href="#PPF">Public Provident Fund</a></li>
<li><a class="dropdown-item, scrollto" href="#BFD">Bank fixed deposit</a></li>
<li><a class="dropdown-item, scrollto" href="#C">Cryptocurrency</a>
</li>
<li><a class="dropdown-item, scrollto" href="#RE">Real Estate</a></li>
<li><a class="dropdown-item, scrollto" href="#G">Gold</a></li>
</ul>
<br>
<br>
<ol style="text-align: left; margin-left: 2.5%;">
<section id="DE" class="scrollto"
style="padding: 10px; padding-left: 30px; padding-right: 30px;">
<li><B>Direct equity</B></li>
<BR>
<h6 style="margin-left: 1.5%;">Investing in stocks might not be everyone's cup of
tea as
it's a volatile asset class and there is no guarantee of returns. Further, not
only
is it difficult to pick the right stock, timing your entry and exit is also not
easy. The only silver lining is that over long periods, equity has been able to
deliver higher than inflation-adjusted returns compared to all other asset
classes.
<br>
<br>
At the same time, the risk of losing a considerable portion or even all of your
capital is high unless one opts for stop-loss method to curtail losses. In
stop-loss, one places an advance order to sell a stock at a specific price. To
reduce the risk to certain extent, you could diversify across sectors and market
capitalisations. To directly invest in equity, one needs to open a <a
href="https://economictimes.indiatimes.com/wealth/invest/want-to-open-demat-account-heres-what-you-should-know/articleshow/63597227.cms">demat
account.</a>
<br>
Banks also allow opening of a 3-in-1 account. <a
href="https://economictimes.indiatimes.com/wealth/invest/how-to-open-3-in-1-account-to-invest-in-shares/articleshow/75216752.cms">Here's
how you can open one to invest in shares.</a>
</h6>
</section>
<section id="EMF" class="scrollto"
style="padding: 10px; padding-left: 30px; padding-right: 30px;">
<li><B>Equity mutual funds</B></li>
<br>
<h6 style="margin-left: 1.5%;">
Equity mutual fund schemes predominantly invest in equity stocks. As per current
the
Securities and Exchange Board of India (Sebi) Mutual Fund Regulations, an equity
mutual fund scheme must invest at least 65 percent of its assets in equity and
equity-related instruments. An equity fund can be actively managed or passively
managed.
<br>
<br>
In an actively traded fund, the returns are largely dependent on a fund
manager's
ability to generate returns. Index funds and exchange-traded fund (ETFs) are
passively managed, and these track the underlying index. Equity schemes are
categorised according to market-capitalisation or the sectors in which they
invest.
They are also categorised by whether they are domestic (investing in stocks of
only
Indian companies) or international (investing in stocks of overseas companies).
Read
more about <a
href="https://economictimes.indiatimes.com/wealth/invest/investors-do-not-understand-the-concept-of-risk-say-mutual-fund-advisors/articleshow/63996077.cms">equity
mutual funds.</a>
</h6>
</section>
<br>
<section id="DMF" class="scrollto"
style="padding: 10px; padding-left: 30px; padding-right: 30px;">
<li><b>Debt mutual funds</b></li>
<br>
<h6 style="margin-left: 1.5%;">
Debt mutual fund schemes are suitable for investors who want steady returns.
They
are less volatile and, hence, considered less risky compared to equity funds.
Debt
mutual funds primarily invest in fixed-interest generating securities like
corporate
bonds, government securities, treasury bills, commercial paper and other money
market instruments.
<br>
<br>
However, these mutual funds are not risk free. They carry risks such as interest
rate risk and credit risk. Therefore, investors should study the related risks
before investing. Read more about<a
href="https://economictimes.indiatimes.com/wealth/invest/why-mutual-funds-are-still-the-best-option-for-debt-investors/articleshow/64038549.cms">
debt mutual funds.</a>
</h6>
</section>
<section id="NPS" class="scrollto"
style="padding: 10px; padding-left: 30px; padding-right: 30px;">
<li><b>National Pension System (NPS)</b></li>
<br>
<h6 style="margin-left: 1.5%;">
The National Pension System is a long term retirement - focused investment
product
managed by the Pension Fund Regulatory and Development Authority (PFRDA). The
minimum annual (April-March) contribution for an NPS Tier-1 account to remain
active
has been reduced from Rs 6,000 to Rs 1,000. It is a mix of equity, fixed
deposits,
corporate bonds, liquid funds and government funds, among others. Based on your
risk
appetite, you can decide how much of your money can be invested in equities
through
NPS. Read more about <a
href="https://economictimes.indiatimes.com/wealth/invest/is-nps-the-right-investment-option-for-you/articleshow/53751012.cms">NPS.</a>
</h6>
</section>
<section id="PPF" class="scrollto"
style="padding: 10px; padding-left: 30px; padding-right: 30px;">
<li><b>Public Provident Fund (PPF)</b></li>
<br>
<h6 style="margin-left: 1.5%;">
The Public Provident Fund is one product a lot of people turn to. Since the PPF
has
a long tenure of 15 years, the impact of compounding of tax-free interest is
huge,
especially in the later years. Further, since the interest earned and the
principal
invested is backed by sovereign guarantee, it makes it a safe investment.
Remember,
interest rate on PPF in reviewed every quarter by the government. Read more
about
the <a
href="https://economictimes.indiatimes.com/wealth/invest/want-a-safe-option-to-save-tax-and-fund-your-retirement-invest-in-ppf/articleshow/63531870.cms">PPF
here.</a>
</h6>
</section>
<section id="BFD" class="scrolltop"
style="padding: 10px; padding-left: 30px; padding-right: 30px;">
<li><b>Bank fixed deposit (FD)</b></li>
<br>
<h6 style="margin-left: 1.5%;">
A bank fixed deposit is considered a comparatively safer (than equity or mutual
funds) choice for investing in India. Under the deposit insurance and credit
guarantee corporation (DICGC) rules, each depositor in a bank is insured up to a
maximum of Rs 5 lakh with effect from February 4, 2020 for both principal and
interest amount.
<br>
<br>
Earlier, the coverage was maximum of Rs 1 lakh for both principal and interest
amount. As per the need, one may opt for monthly, quarterly, half-yearly, yearly
or
cumulative interest option in them. The interest rate earned is added to one's
income and is taxed as per one's income slab. Read more about <a
href="https://economictimes.indiatimes.com/wealth/personal-finance-news/rbi-repo-rate-cut-what-to-do-as-a-bank-fd-investor/articleshow/54674463.cms">
bank fixed deposit.</a>
</h6>
</section>
<section id="C" class="scrollto"
style="padding: 10px; padding-left: 30px; padding-right: 30px;">
<li><b>Cryptocurrency</b></li>
<br>
<h6 style="margin-left: 1.5%;">
While we come across a few names, the cryptocurrencies are many of over 5000
count. But it is just that some of them do not have trading volumes but now as
there has been a sharp spike in their, prices including Dogecoin and Dogecoin
Killer, there has been seen deviation of funds from BTC to other cryptos. This
is one reason why bitcoin were hit with the huge outflow last week. So, it is
not just 1 crypto i.e. available to you, you can take your bets as per your
understanding and risk appetite.
<br>
<br>
To prove this Elon Musk, Tesla's boss lately offloaded position just to show,
cryptocurrencies or rather BTC serves as a ‘cash alternative'. Also, it is only
the recent penchant for these digital tokens by investors across the board amid
the pandemic that is pushing them to scale to new higher market capitalization
and hence their valuation. Furthermore, this heightened interest is unlikely to
fade anytime soon.
<br>
<br>
Cryptocurrency can provide a platform to diversify your investment portfolio. It
has been time and again said that keeping all eggs in one basket is always a bad
choice and this shares analogy to even the investment world where single
investment or more so into one asset can never be rewarding enough to reach your
financial goal. So, as is the current scenario, you may be pushed to invest in
these cryptos to hedge against inflation and even the volatility in global stock
markets amid the geo-political, health and economic crisis.
<br>
<br>
Cryptos like bitcoin have gained the status similar to gold. Experts have
acknowledged the fact and are putting bitcoin at par with gold when it comes to
being both considered as a store of value. Furthermore, gold as well as bitcoin
work to be an inflation and volatility hedge. In fact some of the investors are
even flocking to buy bitcoins to safeguard themselves from the likely
devaluation of the dollar in the near future given the large stimulus measures
of the US.
<br>
<br>
Some of the cryptos trading at a steep discount from their life time highs. Here
if we are giving the example of the most traded cryptocurrency that commands the
highest market-cap, yes you guessed it right, we are talking about Bitcoin which
from its life time highs of sub $65000 hit in April is now trading at $43,371
(last quote as on Coindesk), this translates into a 33 percent discounted price.
As per longforecast, bitcoin may see correction this year and by July 2022 may
hit levels of sub $85000, providing good gains of over 46 percent.
<br>
<br>
Now even as the financial entities are becoming cautious on these digital tokens
and for some time fresh investment into cryptocurrencies came to a halt in
India, it is being asserted that banning cryptocurrency shall neither be
feasible and will be hard to come by. Also, as the investor interest in the
domain is leapfrogging, there have been advised some of the ways to regulate
cryptocurrency market in India and among them is a suggestion that India should
follow the Singapore model and work on ways to curb any fraudulent attempts such
that neither of the stakeholder suffers on account of any illicit act.
</h6>
</section>
<section id="RE" class="scrollto"
style="padding: 10px; padding-left: 30px; padding-right: 30px;">
<li><b>Real Estate</b></li>
<br>
<h6 style="margin-left: 1.5%;">
The house that you live in is for self-consumption and should never be
considered as
an investment. If you do not intend to live in it, the second property you buy
can
be your investment.
<br>
<br>
The location of the property is the single most important factor that will
determine
the value of your property and also the rental that it can earn. Investments in
real
estate deliver returns in two ways - capital appreciation and rentals. However,
unlike other asset classes, real estate is highly illiquid. The other big risk
is
with getting the necessary regulatory approvals, which has largely been
addressed
after coming of the real estate regulator. Read more about <a
href="https://economictimes.indiatimes.com/wealth/personal-finance-news/rera-deadline-ends-15-states-notifies-rules-only-7-states-are-online/articleshow/59806349.cms">real
estate</a>.
</h6>
</section>
<section id="G" class="scrollto"
style="padding: 10px; padding-left: 30px; padding-right: 30px;">
<li><b>Gold</b></li>
<br>
<h6 style="margin-left: 1.5%;">
Possessing gold in the form of jewellery has its own concerns such as safety and
high cost. Then there's the 'making charges', which typically range between 6-14
per
cent of the cost of gold (and may go as high as 25 percent in case of special
designs). For those who would want to buy gold coins, there's still an option.
<br>
<br>
Many banks sell gold coins now-a-days. An alternate way of owning gold is via
paper
gold. Investment in paper gold is more cost-effective and can be done through
gold
ETFs. Such investment (buying and selling) happens on a stock exchange (NSE or
BSE)
with gold as the underlying asset. Investing in <a
href="https://economictimes.indiatimes.com/mf/sovereign-gold-bond">
Sovereign
Gold Bonds</a> is another option to own paper-gold. An investor can also
invest
via gold mutual funds. Read more about <a
href="https://economictimes.indiatimes.com/wealth/personal-finance-news/how-to-fit-sovereign-gold-bonds-in-your-financial-plan/articleshow/53300425.cms">
sovereign gold bonds.</a>
</h6>
</section>
</ol>
<br>
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<script>
var savings = 0;
var income = "";
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fetch("/data2").then(
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savings += u.Savings;
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var total = "<p>"+"<br>"+"Total:"+"<br>"+temp3+"</p>";
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