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It is good to know that you have a constant source of income salary and it is also appreciable that you want to put it to good use. There have been many questions regarding investment options and I have provided the answers tailoring to the income, age and needs. Most of those strategies are applicable even for you, on an 'as is' basis. There are many ways to invest but investing systematically will help you in the long run. Before you start investing off, the first thing to Before you start investing off, the first thing to do is have 6 months worth of your expenses in your bank account. This is because incase you lose your job assuming you are a salaried employee you will not have income, but expenses only till you find the next job. This money is to tide you over that period, which you can leave in an FD earning 7. U need to take health insurance take separately even if your employer provides one for you for yourself assuming you are single early on, so that you can get exemption on pre-existing diseases later on. Useful for tax exemption. Term insurances are cheap in earlier part of life when you are young. A 1 cr term plan will cost you less than Rs. Once you have secured all the above then you should start investing. U need to diversify your investments to average out your risks and also normalize your returns over a longer period. Before you think of investing in stock market through a diversified portfolio of stocks, invest in less riskier assets to get a proper understanding of investments and returns. Details of the same are provided here. First, start investing in PPF for the maximum limit of Rs. PPF also helps you in meeting the 80C requirements tax exemption. Calculations for PPF are as follows:. There are many good mutual funds that should get you started off. If you complete all these then you can start investing in direct equities, in small amounts across varied sectors. Invest Rs. Important to pick dividend reinvestment option, so that any dividend declared will be reinvested for you to get more units at a lower price as compared to future years. This would be a good financial security for your and your family for later years. Hope I have been able to provide you some direction. Incase you have any questions, please feel to write and I will be happy to help you out to the best of my knowledge. Also read: How do I choose which mutual fund is good to invest? Are mutual funds generally safe to invest in? As you are a fresher and beginning your journey of personal finance management fancy way of saying managing your money , you should try to begin with the right foot forward. So learn not just how to invest right, also learn how manage your money right and form effective money management thought process and habits. To do all these things, you will most likely find the following answers very useful:. Congratulations for the early start. Choosing your investment spectrum depends on a lot of factors. Create your goals and quantify them first. Understand your current position with respect to your goals and have a clear understanding how much investment would be required to achieve that goal. Once you know your position then bring in your risk count. That is how much risk are you willing to take to achieve that goal. These are the basics and considering all of these together would give you a clear idea of where to inves These are the basics and considering all of these together would give you a clear idea of where to invest and how much to invest. Or else, investing without a goal is like going to a doctor and asking for medicines without a proper diagnosis. Also, understand the concept of compounding. That will give you an idea of the returns you can make from your investments. Accordingly, you will understand which spectrum to opt for. Also, analyse every investment even before you make the investment and have a thorough knowledge of its performance over period of time. Read about the market every day and know about assets allocation in time of emergency or when your investment is not working the way you want it to. Lastly, understand the basic concept of Compound Interest, so that you yourself can calculate your returns over a period of time. Read more and ask questions. We have a habit of not reading the fine print. All these factors would be the basics but a must. It would give you a clear idea of how much to invest, where to invest and for how long to continue that investment. Investment plans or making a best suitable investment plan depends on your own investment goals, risk capacity, duration of investment, taxes and other factors. Investment plans are not ready -made. It changes according to above mentioned factors. Provide some more details so that I will be able to help you. It is not wise. One of the most invigorating parts of a first job is bringing home the bacon all alone. Yet, freshers need to understand the imperatives of dealing with that money better by the method for sound contributing and financial planning. You have begun saving, yet will you have enough to purchase a house 10 years down the line, or even an auto five years subsequently? Individuals tend to spare forcefully and contribute with outrageous power, however, do as such indiscriminately, imperiling their objectives. This is an oversight regular to most speculators, regardless of the age gathering. The foll The following stage at that point is to outline your objectives. Also remember that these milestones may alter somewhat with your changing circumstances, say, after getting married or having children. It is very important to invest in the right instrument. To begin with, simply pick simple instruments like a recurring or fixed deposit. When you have organized your objectives, at that point consider changing over your reserve funds to investments. For short-term goals, you can choose recurring deposit, liquid funds, fixed deposit or short-term debt funds. For the medium-term, you could choose balanced funds and equity linked saving schemes. These are the best investment options for a fresher IT employee categorized with short, medium and long term goals. Goal in the sense, thinking like I have to make certain money at certain age. Another goal may be getting financial freedom And recent trendy goal is retire soon. So above said every goal involves money…the basic rule is start saving systematically. There is a site called SIP calculator. It will help you to identify how much money you have to save monthly to achieve your desired target at desired interest. Allocate some portion to retirement. If u think to retire by 45 or something. I am a strong believer that everybody should follow and implement Financial Planning in their respective personal finances. I advice the same to you as well. Financial Planning helps to understand where you stand currently in terms of budget management, your responsibilities and aspirations and accordingly drawing out a path which is best suited for you. As you are a fresher, I recommend you to consult a good Financial Advisor who will hand hold you and also empower you in your finances. Feel free to reach out j msolutions. Here are few advance readings for you as a fresher:. How to choose your financial planner? This attitude is going to help you to achieve all your goals easily. I would like to suggest you to start slowly by saving some money in FD or RD to create a Emergency corpus first. Emergency corpus should be 3 to 6 months of your expenses and this corpus should be used only in case of a emergency. Then you should start looking for some options in mutual fund. You can check my blog Money Tricks to slowly bui You can check my blog Money Tricks to slowly build a corpus as well as save for your goals. If you need more help please feel free to ask questions directly. Certain financial avenues that you can consider investing in as a salaried employee are as follows:. There are many other financial avenues that you can invest in, in addition to the options mentioned above. Thus, you can compare the various options and invest accordingly. Sign In. Quora uses cookies to improve your experience. Read more. What are the best investment plans for a fresher IT employee? Update Cancel. What are the best IT solutions for small business? Find products tailored to your size and your goals, by answering just a few quick questions. Learn More. You dismissed this ad. The feedback you provide will help us show you more relevant content in the future. Continue Reading. Related Questions More Answers Below What is the best investment plan for investing 2 crore retirement savings? How should I invest my 12k salary? How can I invest if my salary is Rs. How effectively should everyone utilize their salary and invest more for future? What could be the best investment options for a fresher? Hi, As you are a fresher and beginning your journey of personal finance management fancy way of saying managing your money , you should try to begin with the right foot forward. Hope these help. All the best! With no prior experience, Kyle Dennis decided to invest in stocks. He owes his success to 1 strategy. Read More. Quora User , Software Engineer. Originally Answered: What are the best investment plans for fresher IT employee? Investing in oneself is the best option for a fresher. Learn new technologies as it is not advisable to bank upon one area. Learn a new foreign language, which in turn would open a plethora of opportunities Invest in relationships. Most of us take our network of career contacts for granted, reactivating contact only when job-hunting. Instead, focus on regularly maintaining -- and building -- your network Strong relationships will provide many benefits for you personally and professionally. Related Questions More Answers Below As an employee in the private IT industry, what are some investment plans we should do to secure the future? What are the different investment plans to opt for? What are the best long term investment options for a beginner IT professional in India? Which is the best way to invest money for a student? What are best investment plans at age of 26? Quora User , Founder Fund-Matters. Big business seems to have woken up to the climate crisis. Go for the following plans. Top rated multicap mutual funds in SIP. Assuming you have no liabilities at present and have the risk appetite for equity, you can possibly start with a few large-cap or diversified equity mutual funds. You must, however, also start accumulating a small corpus in debt mutual funds. In a few years time you will typically need this money for marriage and home down-payment. Besides, minimum 3 years are required in debt funds to become eligible for lower tax liability. Firstly good thought for investment begins our approach towards money. Start depositing the money as FD in banks and in turn u will interest on it. Maybe if u like buy some gold. I would never suggest share market. Never take this route. Learn something new which helps u in the near future. Answered Aug 28, Hi, investment plan will depend upon your goal. Goal in the sense, thinking like I have to make certain money at certain age Another goal may be getting financial freedom And recent trendy goal is retire soon. It will help you to identify how much money you have to save monthly to achieve your desired target at desired interest Allocate some portion to retirement. Investment must be goal based. Emergency fund for 6 months. Open NPS and start contributing. He will assist you to make a portfolio for future. He will also take care of asset re balancing, taxation and meeting your life goals. Remember the goals will change too as you progress in life. Here are few advance readings for you as a Certain financial avenues that you can consider investing in as a salaried employee are as follows: Term Insurance : Since you have recently started earning, you can consider purchasing a term insurance policy. Term insurance policies let you opt for a high sum assured at an affordable premium rate. The minimum investment amount for S The minimum investment amount for SIPs are as low as Rs. View more. Related Questions What is the best investment plan for investing 2 crore retirement savings? As an employee in the private IT industry, what are some investment plans we should do to secure the future? What is the best way to invest Rs per month for 3 years? What are the best ways to invest money to have a safe future? My salary is 93k INR per month and have no savings up until now? What is the best way to invest 10k per month in India? What are the good ways to invest for a fresh graduate? What is the best way to invest Rs.

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Making an investment plan involves more than just choosing a few stocks to put money in. You have to consider your current financial situation and your goals. Read on for a step-by-step guide on how to make an investment plan. The first step in making an investment plan for the future is to define your present financial situation. You need to figure out how much money you have to invest. You can do this by making a budget to evaluate your monthly disposable income after expenses and emergency savings. This will allow you to determine how much you can reasonably afford to invest. If you might need to cash in on your investment quickly, you would want to invest in more liquid assets , like stocks , rather than in something like real estate. The next step in making an investment plan is to define your goals. Why are you investing? What are you hoping to earn money for? This can be anything from buying a car in a few years to retiring comfortably many years down the road. You must also define your goal timeline, or time horizon. How quickly do you want to make money from your investments? Do you want to see quick growth, or are you interested in seeing investment growth over time? All of your goals can be summed up in three main categories: safety, income and growth. Safety is when you are looking to maintain your current level of wealth, income is when you want investments to provide active income to live off of and growth is when you want to build wealth over the long term. You can determine the best investment path for you based on which of these three categories your goals fall into. The next step in crafting your investment plan is to decide how much risk you are willing to take. Generally speaking, the younger you are, the more risk you can take, since your portfolio has time to recover from any losses. If you are older, you should seek less risky investments and instead invest more money upfront to spur growth. Additionally, riskier investments have the potential for significant returns — but also major losses. Taking a chance on an undervalued stock or piece of land could prove fruitful, or you could lose your investment. If you are looking to build wealth over years, you may want to choose a safer investment path. The final step is to decide where to invest. There are many different accounts you can use for your investments. Your budget, goals and risk tolerance will help guide you towards the right types of investment for you. You can even invest in real estate, art and other physical items. Wherever you device to invest, make sure to diversify your portfolio. Once you reach this step in the process, it may be appropriate to find a financial advisor. An advisor can help you determine the best ways to invest your money based on your current financial situation and goals. Every so often, you should check in to see how your investments are performing and decide if you need to rebalance. Maybe you want to move your money to a more stable investment as you get closer to achieving your long-term goals, or maybe your investments are performing well and you want to take on even more risk to reach your goals sooner. You should make any changes or adjustments necessary to continue working towards your goals.

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