Brief Summary
This video serves as a comprehensive investment guide for 2025, tailored to different age groups and risk appetites. It covers a range of investment options from low-risk fixed deposits and government schemes to higher-risk stocks and mutual funds, emphasizing the importance of financial planning, health and term insurance, and understanding risk versus return. The guide also provides strategies for building a balanced portfolio and achieving financial goals like earning one crore rupees, while highlighting the power of compounding.
- Financial planning based on age and risk tolerance is crucial.
- Health and term insurance are essential before making any investments.
- Compounding is a powerful tool for wealth creation.
2025 Best investment Guide
The video introduces itself as an investment guide tailored for different age groups (20-35, 35-50, and 50+) and emphasizes the importance of proper financial planning. It promises to provide complete details on investment options ranging from fixed deposits to stocks and mutual funds, including strategies for gold and silver investments. The goal is to help viewers understand where to invest for better returns in less time, considering the risks involved and aligning investments with their age group.
More returns vs investment Risk
The video highlights the relationship between risk and return, illustrating how higher risk investments can lead to significantly greater returns over time. For example, a 15% risk investment could turn 100,000 into 66 lakhs in 30 years, while a lower risk 6.5-7% return investment would only yield 6.5 lakhs in the same period. The importance of understanding potential returns to make informed investment decisions is emphasized.
Don't Neglect These 3 Pillars
Before diving into investment options, the video stresses the importance of three foundational pillars: an emergency fund, health insurance, and term insurance. An emergency fund acts as a financial shield, while health insurance protects against rising healthcare costs. Term insurance ensures financial security for the family in case of the investor's untimely demise. The video urges viewers to prioritize these protections before making any investments.
Zero Risk Best Investments
The video begins with low-risk investment options, starting with fixed deposits offering returns of 6-7%. It then discusses government bonds (T-bills and G-SECs) with returns around 7-8%, highlighting their availability on broking platforms like Jaroda. Government schemes like the Senior Citizen Savings Scheme (8.2% interest, tax benefits) and Sukanya Samriddhi Yojana (8.2% interest for girl child) are also recommended, emphasizing their zero-risk nature and tax benefits.
High Risk More Return investments
The video transitions to higher-risk investments, starting with stocks, which are categorized as the highest risk. It advises beginners to avoid stocks due to the potential for losses and the need for market knowledge and psychology. The video then discusses mutual funds, dividing them into small-cap, mid-cap, and large-cap funds, with returns of 17-18%, 15-16%, and 13-14% respectively. It also covers hybrid funds and balanced advantage funds, which invest in both equity and debt.
Portfolio Models
The video shifts to portfolio building, emphasizing the importance of investing in oneself through career development, skill enhancement, and business improvement before diving into market investments. It then provides portfolio models based on age: for those aged 20-35, a portfolio of 40% flexi cap, 20% large cap, and 20% small cap is recommended, along with investments in PPF or EPF. For those aged 35-50, the recommendation is 30% large cap, 30% flexi cap, 10% balanced advantage, 10% gold, and maximum investment in government schemes.
First 1crore Time
The video explores the time it takes to earn one crore rupees by investing 5000 rupees monthly in various investment options. It highlights that it would take 38 years in fixed deposits but only 17 years and two months in small-cap stocks with a 17% return. The power of compounding is illustrated by showing how the time to earn subsequent crores decreases significantly.
.Gold Nifty Strategy
For those seeking stability with stock market returns, the video suggests a 50% Nifty and 50% gold strategy. This approach has provided good returns and is suitable for individuals highly interested in gold investments.
How to Invest?
The video concludes by providing resources for investing, including links to government bond information and brokerage platforms like Jaroda. It emphasizes the importance of health and term insurance and encourages viewers to share the video with their families.
