Ideal investment opportunities in 2018
Posted on: 01/Jan/2018 3:41:37 PM
The New year start period is the ideal time to investigate the financial targets set and review the policies regarding the investments and select the ideal ones.
It will be perfect for the New Year start to focus more on the planning of financials and setting the targets.
This is the right time to review whether the investments already made had yielded the expected results and carry out some changes if required.
Thus, the question arises which are the best investment opportunities. First, check whether the investments which yielded positive results will continue to do so. Though equity shares remain turbulent, the stock market as presently touched a peak. The freshers to the stock market may be more nervous about the increase in prices of the shares. Further, a section of the experts in this field opinion that there are strong prospects of some corrections in the stock market in a short period.
Still, some positive factors such as improvements in the infrastructure, the increased private investments, and the growth in exports give good promise. The investments have to be made considering these positive aspects.
The interest and investments in mutual funds have grown. Last year, the short-term investments earned good revenues. Depending on the yield of the government bonds, the performance of the debt-based finances, known as ‘debt fund’ will be decided.
As there is a general trend of the reduced interest ratio, the interest rates for fixed deposits, etc., are down.
In this scenario, the interest ratio for the new quarter January-March has been reduced recently. Also, the interest ratio rates for PPF (Public Provident Fund), Kisan Vikas Patra, etc., have been reduced by 20 basis points – 0.20%. This may lead to further reduction in the interest ratio rates for fixed deposits.
So, the persons interested in investments in fixed deposits can investigate the liquid funds and mutual funds as per their risk factors. The experts feel that there is no need for any changes in the PPF scheme. Though the interest rate might reduce, the compound interest is always likely to yield better results. So, PPF is one good option for investments.
It is expected that the market for gold investment field shares will bring in the best benefits this year. So, those who plan to buy gold as an investment can resort to Gold saving bonds. The investors also need to look at the aspect of their insurance – in case they have taken additional fresh loans, they can increase their insurance investment accordingly. It is also advisable to check the sufficiency of the medical insurance coverage.
Further, the investors need to analyse the investment avenues presently in their hand and their performance and results and based on this, they can decide on the plans for further investments. In case, the investments are excessive in a specific field, it should be addressed to make all the investments equally divided.
