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yudi | I want to invest 40k in shares/ mutual funds/commodities for long term purpose 3-4 yrs. where should i? |
also plz tell me the expected value of the investment after 3-4 yrs. |
 |
 
Dave
|
So in the world of investing, if you want to invest in mutual funds, then your minimum horizon should be about 10 years out (and at least 5). The reason for this is that historically, there have been no 10 year periods where the market has lost money over that timeframe. Shorter periods have seen significant losses over the short term. So if you want to be in an investment that you will terminate after 3-4 years (e.g. to put a down payment on a house), then you probably should be aware of the downside risks involved, and that includes a potential loss of initial investment.
For a incremental higher rate, you can go with a CD with a term of 1-2 years. However, there are many money market funds that are paying around 5% and you do not have to lock up your money as in a CD.
So if you put you money in a CD or money market, you'll be at about $46k after 3 years with little risk. If you were to invest in mutual funds, they earn about 10% per year so after 3 years, you might have $53k but since there is market risk involved, you might also have lost 40-60% of your money as well. The stock market averages about 10% growth but that growth is rarely in a straight line but in rather large moves with quite a bit of stagnation in between (e.g. it might move 30% in one year and then down 15% and then back up 15% to average to a 10% gain over the 3 year period).
So you first need to ask yourself about the time frame. And then if you have a set timeframe, you need to determine whether you want to assume the risk for a potentially higher return or not.
If my timeframe were set at 3-4 years, I would not be in the stock market and I would especially avoid commodities. |
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torrie
|
"also plz tell me the expected value of the investment after 3-4 yrs."
Riggggggght!!!
You need to do some homework on your own then come back with the ones you are interest in and we can help more. |
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nare k
 |
Mutual fund at banks.Just take look at the link below to learn more about investment. |
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$martA$$.com
 |
you can invest it with me........the expected value of the investment is *1% |
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shamieya
|
You need to research the funds yourself and decide what's the most important to you, appreciation? income? preservation? There are funds that specialize in one or some combination of these features. You have to decide on the purpose of your investment first. Fidelity provides good research tools. |
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gopalan s
 |
Take MF route if you are not familiar with NSC/BSC . Pl invest in infrastucture funds io UTI, ICICI, BIRLA TATA, and Reliance . to levearge profit/loss also invest 25% in midcap/ large cap driven Schemes |
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shruti.investments
|
I recommend HDFC Prudence Fund , it is a balanced scheme and therefore the risk is moderate.
This scheme was launche in the End of 1994 and the NAV of Rs. 10/= Unit today is Rs.131/=
If you are invested for a longer period then risk factor goes down, therefor try to hold your investments for a longer period.
If you want to withdraw it earlier than 3 to 4 yrs, you can do so anytime without any exit load being charged on this scheme as this is a open ended scheme.
The % return given by this scheme is 22.93% per annum , assuming that you get less than that and you get 20% per annum, Rs. 40,000/= invested today will becomd Rs. 82,944/=
There are many other schemes in every risk category viz Moderate, Low and High.
You can also put abt 50% investments in low rsik category and 25% in moderate and balance in high risk category (this may give better yield of more than 20% annual returns)
For anymore information you may contact me at :
premalok@rediffmail.com |
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r_kav
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3-4 years is NOT long term. You should not invest anything in the market if you will need the money that soon, because the market could drop significantly, and not recover that soon. |
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vishu s
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check this link its good
http://workathomeandearnmoney.blogspot.com/
. |
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Michael
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Well do a mixture of investments do not put all your money in one investment. Spread your money out 1/2 high risk stocks, and 1/4 in low risk and 1/4 in a mutual fund. Also the fractions in each should be spread into 2-5 different stocks around the same risk to prevent your self from losing big. I cant tell you the correct about you will have in 4 years but if you go to an investor you can be excepting around 12-13% return on your money per year. So you will make 20,800 in 4 years if you take all your divides/dont buy more stock with money earned each quarter. So i wouldnt be suprised if you make around 30k in 4 years. But with the rate of inflation around 1-2% a year you should make around 10-11 overall. Good luck and good investing. |
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