A Plethora of Options…

A Plethora of Options…
The biggest problem with money is that it doesn’t come with an instruction book. As a result of this many financial decisions that you make to enhance your savings and investments end up eroding your personal and potential wealth. We live in an environment where choices matter and whether you are a do-it-yourself investor, a newbie or an active investor, you need to be aware of various savings and investment options available. In such situations, knowledge is your first line of defense.
At SG Money Plus Private Limited Financial Services, we offer you personalized financial solutions based on your objective(s). We constantly track the markets and analyze trends to give you the best advice in real-time to manage your financial portfolio.
P.S – Please use FINANCIAL CALCULATORS to evaluate the future value of your investments or how much corpus would be needed to plan your long term goals such as children education, retirement etc.

Every investment decision is based on 3 factors.

  • 01
    Safety
  • 02
    Liquidity
  • 03
    Returns
“Safety” would imply that the principal amount invested is 100% protected irrespective of any variable. “Liquidity” reflects on how accessible the investment is and what will be the duration to get back the money. “Returns” is the potential interest/gains one can earn on their investment.
Exploring Your Investment Options: A Comprehensive Guide
Exploring Your Investment Options: A Comprehensive Guide

This informative guide provides a deep dive into various investment options, helping you understand the diverse opportunities available to grow your wealth. From traditional options like stocks and bonds to alternative investments such as real estate, cryptocurrencies, and peer-to-peer lending, you’ll gain insights into each option’s risks, rewards, and suitability for your financial goals. Whether you’re a novice investor looking to get started or a seasoned pro seeking to diversify your portfolio, this resource will equip you with the knowledge you need to make informed investment decisions. Start building your financial future today!

  • 01
    DEBTSuitable for investors seeking consistent returns with lower risk
  • 02
    EQUITYSuitable for investors seeking higher returns with moderate risk
  • 03
    OTHERSSuitable for investors specific needs
DEBT
Debt investments usually are very safe and somewhat liquid. However, most of the debt products are only able to generate returns which are equal to inflation. Various options to invest in debt products are:-
Banking Products
One may invest in various banking products such as Fixed Deposits, Recurring Deposits, or simply park their money in a Savings Account. Amount invested is safe, liquid and offer returns in range of 3-7%*
Post Office Schemes
Post office deposits are very similar to fixed deposits but at times offer slightly higher interest rates. Amount invested is safe and liquid. The returns are in the range of 6-8%*

Government Small Savings Schemes
Various government schemes such as Public Provident Fund, Sukanya Samriddhi Yojana offer guaranteed returns which are usually higher than what banks or post office offers. However, government schemes usually are not liquid. The returns are in range of 7-8%*

EQUITY
Equity investments are liquid but don’t offer guaranteed returns. Returns in equity investments are subject to various factors but historically they have given double digit returns in the long term.
Mutual Funds
In mutual funds, various investors pool in money in a fund which is managed by a fund manager who invests the money in securities such as stocks, bonds, etc. The combined holdings of the mutual fund is known as Portfolio. There are various types of mutual funds depending on the needs of the investor. One may invest in mutual funds via “Systematic Investment Plan” commonly known as “SIP” which works on the concept of averaging. It allows investors to to invest a fixed amount at fixed intervals as per their liking. Mutual funds are liquid but don’t offer guarantee of principal amount nor returns but have a potential to generate double digit returns in the long term.
Stocks
Stock also known as direct equity is ownership in a company. The difference between direct equity and mutual funds is in the selection process, decision making and Risk-Reward. In a mutual fund, a fund manager takes the decision and in direct equity, the investor selects the stock. The risk-reward is usually higher in stocks compared to mutual funds but mutual funds are considered safer for those investors who don’t understand the stock market. Money invested in stocks is not guaranteed, somewhat liquid but has the potential to generate higher returns compared to any other product.
OTHERS

Other investments such as property, gold, currency and other experimental investments offer different unique benefits and are suitable for specific needs of an investor.

Real Estate

Gold

Currency

Crypto Currency