Start your Investment Journey
Module Units
- 1. Saving & Investment
- 2. How is investing different from savings?
- 3. When to start investing?
- 4. What care should one take while investing?
- 5. What is meant by Interest?
- 6. Basics of Investment Planning
- 7. What are the fundamental rules of investments?
- 8. What are the investment concerns that need to be addressed, while investing and choosing the assets?
- 9. Financial Plan – Concepts & Factors for Success
- 10. Explain - Disciplined and Regular Investing
- 11. How inflation can affect your financial plan?
- 12. What is the importance of Asset Allocation?
- 13. What’s your risk appetite and risk tolerance?
- 14. How to plan for your life-stage?
- 15. Stage 1 - Your First Job
- 16. Stage 2 - Getting Married, Having Children, Life Goals Increase
- 17. How to save to buy a home?
- 18. What is an EMI and how are EMIs calculated?
- 19. Rising Loan Interest Rates – What should you do?
- 20. Why It Is Sometimes NOT Better To Prepay Your Loan?
- 21. What to Do When You Find Yourself in Too Much Debt?
Basics of Investment Planning
What is the investment process?
Investment process means a series of steps taken to construct and manage your portfolio.
There are six steps in investment planning process:-
a) Determine what are your objectives
b) Decide a value for your objectives
c) Conduct security analysis :
a. Technical Analysis
b. Fundamental Analysis
d) Construct the Portfolio
e) Evaluate the Portfolio
f) Revision of the Portfolio
What are the factors that determine / affect your investment capability?
a) Family Information - no of earning members, no of dependent members , life expectancy
b) Personal information – age , employability , nature of job , psyche
c) Financial information – capital base , regularity of income (regular or contractual job)
d) Present worth- amount of assets already created and any liabilities undertaken
like any loans
e) Past investment experience (if any)
In short, it can be said that your risk appetite determines or affects your investment profile.
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