How To Invest Money And Where to Invest Money

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In today’s time, you cannot fulfill the needs of your family just by earning money. For this you have to invest in the right place so that you can get good return. If you do not know about investment then you are missing out on a huge opportunity.

Because by investing money you can get more return than that money which will help you in achieving your goal. That’s why in today’s article we are going to tell you where you should invest your money. Along with this, we will also explain that which option you should choose from which investment option. And what things should be kept in mind while investing. Therefore, invest some of your time in this article and collect a lot of information related to money investment.

Things to keep in mind while investing

Before starting investment, the things that you have to pay attention to at the time of investment. Next we’re going to go. Now start investing as soon as possible. Due to which you will get very high returns very soon. Before choosing an investment plan, do proper research about it first. Also, those who give more returns in less time are avoiding fraud schemes. Keep checking your investments from time to time. Start with small investment so that you can understand it easily.

If you are a young investor then Equity Mutual Fund is a very good option for you. Whereas FD is a good option for older investors. Therefore, invest money wisely according to your age and profile.

Types of Investment

Friends, next we will know about the popular investment types in India.

1) Direct Equity-

It is a good investment option for long term investment. It is also called investing in stocks when you buy shares of a company in this stock. So you’re building up a stake in that company. Before making such investments, you should do a good market research. Because in this along with the profits of the company you get profit and with that you have to bear the loss. The risk in this type of investment is high. So invest only after doing proper research.

2) Mutual Funds-

Investing in mutual funds means that your funds should be kept in groups of investments such as stocks, bonds or assets. They are managed by banking professionals. In this case, it is a safe option in the stock market comparison. You do not need to have much knowledge about mutual funds to invest in them. But all you have to keep is that the risk factor is very less.

3) Fixed deposits

Fixed deposit is a deposit offered by a financial institution or a bank. In this, you deposit a fixed amount for a fixed time. Companion, on this you first get city sided rate of interest. In this, your money is absolutely safe and you get guaranteed returns in it.

4) Public provident fund

Public provident fund ie PPF is a long term tax saving investment. In which your money is kept in lock-in period for about 15 years. This Government of India offers you in which you get guaranteed return. This investment period is very long. After completing 5 years in this, you can withdraw a small amount. If you want to take benefits by investing money for a very long time, then this can be a good option.

5)Recurring Deposits

Recurring deposit i.e. RD is a very good way of investment. In this, the investor deposits a fixed amount every month for a fixed time. In this you get top interest. Banks and post offices offer RD. In this, your money remains absolutely only and there is also a guaranteed return on it. Therefore, it is better for investors who do not want to take risk and want to be secure with limited returns.

Friends, apart from these five investments, you will get many more investment options. Like real state, national pension system, initial public offer etc.

Note: Friends, to invest or buy shares, you need a Demat account. Click here to open your absolutely free demat account.

Friends, you can start your investment on whichever of these two applications you find convenient.

Note: Friends, you must have Pancard to open your account. So make sure in advance that you have your PAN card with you.

what we learned

Friends, in this article we will know what is investment in Hindi. Today we learned how to invest money. Whatever information we got related to investment. We have presented it to you. If you have any doubt related to this article. So you can feel free to comment or email us.

Thank you very much for reading this article ” When and Where to Invest Money ” . That you must have got to know a lot new from this article.

Best Post Office Investment Schemes: The savings schemes of the post office ie post office are considered better for safe and good returns. The reason behind this is that 100% of the money invested in post office schemes is guaranteed to be safe. The post office offers 9 savings schemes with the current interest rate of up to 7.6 per cent per annum. From savings accounts, time deposit (TD) accounts to SCSS, PPF, KVP, NSC and Sukanya Samriddhi accounts (SSY) can be opened in the post office. Let us know the details of these savings schemes of the post office….

savings account

A savings account can be opened in the post office for Rs 500. Only one savings account can be opened in one post office. At present, the interest rate on Post Office Savings Account is 4% per annum. It can be opened single or jointly, in the name of a minor child above the age of 10 years, for a mentally challenged person.

Like banks, a minimum monthly balance has to be maintained in the post office savings account. The minimum balance for the account is fixed at Rs 500. Maintenance fee of Rs 100 will be deducted from the account on the last day of every financial year if the minimum balance is not maintained. After deducting the fee, if the balance in the account becomes Nil, then it will be closed automatically.

Check/ATM facility, nomination facility, account transfer facility from one post office to another, intra-operable netbanking/mobile banking facility, facility of online fund transfer between post office savings accounts are available on the post office savings account. To keep the account active, it is necessary to make a deposit or withdrawal at least once within 3 financial years.

5 Year Recurring Deposit (RD)

RD is opened in the post office on the minimum installation of Rs 100 per month. Its maturity period is 5 years. The current interest rate on post office RD is 5.8% per annum. Account can be opened in single or joint, in the name of minor above 10 years of age and mentally challenged person. If it is opened before the 15th of the month, then your monthly installation should be deposited in it before the 15th of every month.

On the other hand, if it is opened after the 15th, then it is necessary to deposit it by the last date of the month. In case of non-payment of monthly deposit by the stipulated date, the post office charges you a default fee of Re 1 per 100 rupees for every default. The RD account is suspended after 4 consecutive defaults. However, it can be revived within 2 months. But if it is not revived within this period, then there will be no further deposit in it. After you default on making the monthly deposit, you will have to first pay the previous outstanding deposit and fees, then your existing monthly deposit will be approved.

Post office RD can be closed prematurely after 3 years. Nomination on post office RD, Facility to transfer account from one post office to another, Facility to open multiple RD in one post office Online deposit facility through intra-operable netbanking/mobile banking, Online deposit facility from India Post Payments Bank savings account Facility, the facility to extend the account after the maturity period for another 5 years is available. Loan can also be taken against post office RD. After 1 year of account opening, you can take a loan up to 50% of the current balance.

When to buy shares in the stock market?

You must have got a little idea of ​​what the stock market is . Let’s know how to invest in share market in Hindi? Before buying shares in the stock market, you should first gain experience in this line that how and when should be invested here. And in which company you will invest your money, then you will get profit.

Find out all these things, gather knowledge, only then go and invest in the share market. To find out which company’s share increased or fell in the share market, you can read newspapers like economic times or you can also watch NDTV business news channel from where you will get complete information about What is Share Market in Hindi .

This place is very full of risk, so you should invest here only when your financial condition is fine so that when you have a loss, you should not make much difference to that loss. Either you can also do this, in the beginning, you invest in the share market with a little money so that you do not get much shock going forward. As your knowledge and experience in this field increase, you can gradually increase your investment.

If you want to invest your money in Share Market, then you can create your account on Discount Broker “ Zerodha ”. In this, you can open Demat Account very soon and easily and buy shares in it. Its link is given below.

How to invest money in share market?

To earn money in share market, you have to create a Demat account. There are also two ways for this, the first way is that you can open a Demat account by going to a broker ie a broker.

Our share money is kept in Demat account just like we keep our money in any bank account. If you are investing in share market then it is very important to have your demat account.

Because after the company makes profit, all the money you will get will go to your demat account and not to your bank account and the demat account is linked with your savings account, if you want, from that demat account to your bank account. You can transfer money later.

To create a Demat account, it is very important for you to have a savings account in any bank and for proof, copy of PAN card and address proof is required.

Another way is that you can go to any bank and open your demat account .

But if you open your account with a broker, then you will get more benefit from it. Because one, you will get good support and secondly according to your investment, they suggest you a good company where you can invest your money. They even charge money for doing this.

There are two main stock exchanges in India, the Bombay Stock Exchange (BSE) and the National Stock Exchange (NSE), where shares are bought and sold. These brokers are the members of the stock exchange, we can trade in the stock exchange only through them. We cannot buy or sell any share by going directly to the stock market.

Why does the stock market go down?

There are many reasons for the stock market going down in the present time. Let us know about those topics.

1. As you probably know that due to the calamity of any one big rock, the share market goes down. At the same time, there is a big change in consumer behavior due to the coronavirus disaster, while it causes a lot of damage to businesses, so that they sell their stocks for short-term earnings. There are ups and downs in the share market.

2. There is no right solution for this Coronavirus Crisis yet, so that it creates fear for investor sentiment. At the same time, there is a huge fall in the shares due to this.

3. Whereas when selling by foreign institutional investors, mainly ETFs, during this global risk aversion. Due to this there is a lot of decline in the stock market. They have sold stocks worth around Rs 25,000 crore in this March due to fear.

stock market maths

If you too have been active like me for a long time in stock markets (both in equity and F&O), then you must know about the secrets of share market. If not, then I will tell you about some such secrets, which you will definitely like and you will also get to learn a lot from it.

Let’s take a look at the secrets that I have learned over the years:

1. Stock market is not as easy as it seems from above. There is insider trading in this. The market always knows more than you. So for every buyer there is a seller. But this does not mean that you cannot make money in it, it is just a little difficult.

2. There is no such ‘ultimate’ strategy/indicator. You have to invest according to a value strategy (buying cheap quality stocks) or according to a momentum strategy (buying growth stocks) or any other thing.

Whether you are a technical trader or a fundamental investor, you should have a strategy of your own, using which you can earn good profit.

3. Trading or investing in the right way is not easy at all, if you are enjoying doing trading it means that you are definitely doing something wrong.

4. You should always read more and more. At the same time, you should listen less to the words of others.

5. More than 90% of the traders do not really know trading, they just want to earn money by following others.

6. Trading/investing is a very lonely journey. Even though you can make money by copying people in the beginning, but later you have to make your own strategy, otherwise you may have to bear the loss later.

how to learn share market

Everyone is very fond of becoming rich quickly. That’s why all of them are looking for such quick and easy ways which will make them rich in less time and also bring lots of happiness in their life.

In such a situation, everyone finds the Share Market to be such a technique from where they can earn crores of rupees in a short time. That’s why they are often in search of such Share Market Tips in Hindi which can be used quickly and become rich. So let us know about some such share market tips that all beginning investors should definitely know.

1. Learn first then move on

Before trying your hand at anything, you have to get to know it properly first. For this you have to study.

In such a situation, you have to learn the share market first, only then you invest your money in it. You should not move forward without getting the knowledge of Share Market.

2 . do your research yourself

On hearing the name of research, many people run away from it. But in the context of share market, this should not be done at all. Because it is only research that can make you successful in the share market.

At the same time, you will find many market experts in many TV channels who are giving you the knowledge of shares. By the way, some of his things may be right, but if he could predict the prices of shares with such ease, then he would have been earning money sitting at his home.

3. Long-Term Goals set करें

Understand this very well that no matter what the investment is, all the investments provide good results in long terms only. In such a situation, if you also want to invest in the share market, then do it considering it as a long term, only then you can make profit in it.

4. Understand Your Risk Tolerance

Here it means to say Risk Tolerance that everyone has a limit to take their own risk. Till which they do not care whether they have loss or profit.

In such a situation, since the share market is a bit risky, invest in it as much as you can afford. Because if you invest more then if you have a loss then no one can stop you from being a pauper. Prepare your portfolio according to your risk tolerance.

5. Research and Plan

Why are you not from any field? Good research and planning is very important in all.
Because in the long term success, this research and planning is the most useful for you. While selecting the shares, research them well. So that you do not have to regret later.

6. Control Your Emotions

It happens many times in the share market that you lose your emotion, due to which you can also suffer a lot.

To stay away from all these things, you have to learn to control your