Investment Options

There are various options available for the investments .It depends up on the mentality of the investor. You have to be aware of the fact that most investments are risk in nature. To be precise, one may wish to invest in

• Physical assets like real estate, gold/precious metals, commodities etc.

• Financial assets such as fixed deposits with banks, small saving instruments with post offices, insurance/hedge/pension fund etc. or securities market related instruments like shares, bonds, debentures etc.

The investment options can also be classified based on their time span as given below:-

 Short term: includes savings bank account, money market/liquid funds , stocks and fixed deposits with banks

 Long term: includes real estate, Provident Fund, Company Fixed Deposits, Bonds and Debentures, Mutual Funds etc.

The investment should be made in cautious mode. In the investment world there is one standard rule that if your age increases the risk in your investments should be reduced. That is the risk in your investments is inversely proportional to your age. Let’s see some of the risky investments. The investments which inherit the risks in their nature are stocks, real estate, commodities, company deposits and precious metals. Some of the risk free investment options are fixed deposits with bank, money market or liquid funds, government bonds and debentures. So it’s up to the investors to choose between the various options available in the investments.