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Investment Planning: Meaning, Avenues and Determinants of Investment

July 07, 2022

Investment Planning: Meaning, Avenues and Determinants of Investment


What is Investment Planning:

Investment Planning is simply identifying the financial goals and objectives, moving forward, aligning them with the investment resources, and converting them into maximum returns.

In short, it is the organized strategy developed for getting higher returns from investments in various avenues.

Let us learn what the avenues of investment are:

Avenues of Investment:

  1. Fixed Deposit
  2. Recurring Deposit
  3. Mutual Funds
  4. Bonds or Debentures
  5. Public Provident Funds
  6. Stocks
  7. Real Estate
  8. Gold

Most Important Determinants of Investment:

  • Age:

Age factors play an essential role while investment.

Bigger the age, the higher the risk.

For aged investors, fixed deposits or recurring deposits are advisable.

  • Goals:

For one-time investment goals like marriage, education, and such.

You need to invest in low-risk schemes.

  • Risk Profiling:

Doing risk profiling is vital.

If you are risk-taking appetite is excellent, you must opt for such investment schemes; whereas, if you are not bound to take bigger risks, you must invest in fixed deposits or recurring deposits.

Meaningful Quotes by Warren Buffet:

“Rule No. 1: Never lose money. Rule No. 2: Never forget rule No.1”

“Never invest in a business you cannot understand.”

“We don’t have to be smarter than the rest. We have to be more disciplined than the rest.”

“Never depend on a single income. Make an investment to create a second source.”

“Someone’s sitting in the shade today because someone planted a tree a long time ago.”

“The important thing is to know what you know and know what you don’t know.”

“Your best investment is yourself. There is nothing that compares to it.”

Get an overview of Banking, Financial Services, and Insurance knowledge by pursuing Professional Diploma in Banking, Financial Services, and Insurance (PDBFSI) course from one of the top institutes in Mumbai, i.e. Thadomal Shahani Centre for Management (TSCFM).

It is a 4-in-1 Professional Diploma course that helps students widen their knowledge, develop their skills, and get placed in top companies.

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