Suggest me ideal investment?

v r managing to save 30,000 rs. per month for 2 years . please suggest me ideal investment which would involve low risk and good returns.

As someone has mentioned before, without more information from your side, its difficult to provide generic suggestions. According to me you need to do 2 things, first
1. Understand the power of compounding
2. Understand you own risk profile

Once you are through with these two, You can choose to invest based on your risk profile and return expectations, as explained below for various risk profiles.

I am purposely trying give you a broader understanding of how to go about - making your money work best for you:-)

There is nothing like starting early, in your investing life and use the power of compounding to your advantage. To understand power of compounding, consider this excellent article at http://www.valueresearchonline.com/story/h2_storyView.asp?str=4007

Next, you can invest in a mix of the following strategies, depending on your investing risk profile, as indicated below. Invest only those funds that you do not need. Use these funds to invest wisely. You need to remain invested for the long term, since you want capital growth.

Conservative Risk Profile (you seem to be of this type; someone who wants his principle to be secure and is looking for a decent growth over the long term)

1. PPF (Public Provident Fund) - account can be opened with any State Bank of India branch. This gives you a compounded 8% return per year, is currently tax free, and is the safest instrument available. Invest 50% of sparable funds in that

2. A Balance fund like HDFC Prudence Fund - This Mutual Fund invests in both equity (65%) and debt (35%) instruments. This is one of the safest funds with a great track record of over 14 years, and has been giving a compounding return of around 20-25% per year. This fund has one important virtue: it manages to lose less than the category average in periods of downside. Couple this with its tendency to top charts & you get a safe & sure fund in HDFC Prudence. Invest 30% of the funds in HDPC Prudence.
check out HDFC Prudence fund analysis at
http://www.valueresearchonline.com/funds/fundanalysis.asp?schemecode=600

3. Equity Diversified MF -like SBI Magnum Contra, Reliance Growth.
These are funds having a very good long term record in delivering great returns with low to average risk. They have figured among the top fund ratings for a very long time. Invest the balance 20% in funds like these
Check out more on the top rated funds at http://www.valueresearchonline.com/toprated.asp

Moderate Risk Profile (someone who can take a little more risk with some of his money)
PPF -40%; HDFC Prudence -30%; SBI Contra or Reliance Growth fund -30%

Aggressive Risk Profile (someone who can take higher risks with some of his money)
PPF-20%; HDFC Prudence -30%; SBI Contra or Reliance Growth - 50%

It depends on how long you want to wait. The population of the world is getting older and richer. They are going to be needing material entertainment (TVs, CD players, recreational vehicles), medical supplies (now that they can afford healthcare) and places to retire like rest homes. You might want to invest in stock indexes that tracks the needs of the more wealthy and aging.

India is a vast country with full of opportunity in export. get a reliable costumer from abroad and supply goods to them. within time you will be laughing.

to succeed you have to be truthful, faithful, reliable, and above all make sure you supply your goods as promised.

this quality will be secret for your success.

If you have more then 5 Laks rs. on hand right now, than go for PMS.

Or if you wann invest on monthly or quarterly basis than
SIP is best.

For more information you can visit Reliance money side and in that go for Personal Finance Advise.

You may invest your money through SIP route in Mutual funds. SIP is a best mode of investment in Mutual Funds. Since you can save Rs. 30,000 per month it is assumed that you have quite good earnings. You can partly start an SIP in Equity, Diversified equity, balanced , debt and liquid funds. First of all access your risk profile... means if you can take high risk for high returns go for Equity Funds after considering its past performance. If you want medium risk then go for balanced fund and if you want your money safe but want assured returns then Debt and liquid funds are suggested. Investment through SIP route will also reduce your risk of volatility in equity market. You can also seek help of a Mutual Fund advisor in your area and discuss it with him to understand and take better decision.

www.vfmdirect.com
www.dlngroup.com
www.valunotes.com
www.jayan.bravehost.com
jayan.bravehost.com (Yahoo group give free best investment idea and market alert)

You can try one or combination of these
1) ELSS scheme
2) PPF
3) Mutual funds

IÂ´ve been investing for more than 20 years and trading for almost 14, and I can tell you that if you want to make BIG and FAST profits, I recommend you trading rather than investing, trading can help you to go from rags to rich.

If you are investing, you must have already achieved some degree of financial success, long term stock investing and FOREX can help you become much richer than you are today.

My experiences as a Nasdaq Market Maker, Head trader of several brokerage firms, and currently as a professional trader and private hedge fund manager, I can suggest you that:

We trade because we want quick, short term profits on a consistent basis. We want to cash flow the market. Milk it like a cow.

Make consistent, small, short term gains rather than trying to hit a home run on every trade. Don't ever forget that.
Don't marry a stock, marry the idea of making money trading stocks. That's the only way to do it.

For me "All stocks are equally worthlessâ€

I don't hold on to any illusion that the stock market will continue to go up and provide a nice retirement for me.
I could care less which way the market goes. It's irrelevant to me if the market goes higher, crashes or moves sideways for the next 50 years. I really could care less. Stocks are just four letters with two prices next to them that I use to make a living trading.

Trade ONLY when you have a clear, easy and identifiable advantage, because without a CLEAR EDGE your odds of success are NO better than a flip of a coinâ€¦ ThatÂ´s why so many new traders (and investors) lose money.

Take a look at any daily chart of any index or stock and you'll probably see the most volatility and the biggest opportunity for profit during the first Hour of the stock market's opening.

The popular thinking and conventional wisdom is that you should wait about an hour before you start trading.

But if you do, you'll miss the big, fast moves that stocks make as all the amateurs let their emotions out through their
online accounts, usually right after they read some news headline or hear Maria Bartiromo go off about a stock on CNBC.

It's easy to see why trading the open is the market's prime time for profiting from other online traders.
The market's open is very volatile - that is the perfect environment for LARGE, FAST profits.

Learn to trade as a professional Market Maker ,not as an emotionally driven amateur trader or investor with few thousand dollars in an account at Etrade.

There isn't any other time during the day or any stock you can invest in, that can make you 1, 2, 3, 5, 7 or more points
in minutes OTHER than during the first hour the stock market is open. That's why I love trading the open so much.

I trade only when I have an edge and that means "only the first hour the market is open".

If you are a beginning trader, you can give yourself an unfair advantage in the market trading this way.

I can carry on with the advises about how to make money trading, but if you ask me:

"What is the best thing you can do for me?

I will say:

Give yourself a BIG favor and go to this "Top Secret" site and learn how to get the BEST stocks that will make the largest and fastest day trading profits youÂ´ve ever seen, all by yourself...

www.onehourtrading.com

After you review this site you wonÂ´t need system, strategy, book, software or mentor to tell you what to do,
you will be able to profit HUGE every day.

Good luck and good trading,

John Fontaine

ccall me if u r from delhi or from NCR my no is 0935047971, investment analyst, i have bettter plans for u , here u can get 20 to 40% return in one year in govt as well as in big companies investment

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