• UID Admissions 2024-25 NRI/NRI Spons./ Management Category Application Window is open now! Click Here to apply- Call 9266663225 to know more.
  • UID Admissions 2024-25 General Category Application Window is open only for BFA/BFA (Hons.) and BSc./BSc.(Hons.) Filmmaking Click Here to apply- Call 9266663225 to know more.
  • KUAT (Karnavati University Admission Test) Admissions 2024-25 Application Window Open Click Here to Apply- To know more call 9667048555. KUAT Examination Date-6th April,2024 (Saturday)
  • MBA 2024 Admissions open Click Here to Apply - call - 7574811135 / 7227035143.
  • B.Tech 2024 Admissions Open. Click Here to Apply- Call +91 7574811135
  • KU Admissions FEE Payment Click Here
  • Karnavati University invites applications for teaching positions Click here for details

KUAT 2022-23 Admissions Open Now! Click here to apply +91 9667048555

Announcement Admission
blank
blank

Smart Investments in a Small Budget

June 21, 2022

There is a misconception that you need a large sum of money to make an investment.  There are certain smart options of investments available even in a small budget. For making smart investments, you don’t need to be an expert in the field of Finance nor do you need to have a hefty bank balance. Small but smart investments need consistency and regularity. But for making an Investment one must do the Risk Profiling of oneself.  A risk profile is built on the basis of age, financial situation, regularity of income, future goals etc.  Once the risk profiling is done then you can look into the following smart investment options.

1. Mutual Funds

If you don’t have knowledge about the equity market then you can invest in the equity market through Mutual Funds.  In the Mutual Fund, a pool of money is collected from many investors to invest in securities like stocks, bonds, money market instruments, and other assets. The main advantage of Mutual Fund is the diversification of a Portfolio. Investors can start doing SIP (Systematic Investment Plan) even with a small amount of Rs. 500. This is a good investment option for the beginners in the stock market.

2.Government Securities:

The government is offering certain schemes for investments and also provides the tax benefit on making the investments in these securities. Some of the well known options are PPF (Public Provident Fund), NPS (National Pension Scheme), NSC (National Savings Certificate) etc.  Investments in government securities are risk free in nature as there are no chances of defaults in capital redemption or in payment of interest.

3. Gold Bonds:

Instead of investing in real gold, you can invest in gold bonds. Gold bonds are much more secure and they are all guaranteed by the Government of India to ensure the safety of your investment. Moreover, gold bonds (unlike real gold) are free of GST charges, too.

4. Fixed Deposits:

In the present scenario, Fixed Deposits are not the attractive investment option but they can be quite beneficial right before you take out other kinds of debts. Their interest rates are higher than savings accounts and the returns are also fixed. Investors who want safety of their investments and fixed return, Fixed Deposit is the better alternative. Investors can choose one or a combination of the above investment alternatives to invest smartly and wisely in the present scenario.

Author: Hardik Gandhi, Assistant Professor - Unitedworld School of Business (UWSB)

Disclaimer: The opinions / views expressed in this article are solely of the author in his / her individual capacity. They do not purport to reflect the opinions and/or views of the College and/or University or its members.

Related Blogs

Benefits of Taking Graphic Design Courses
February 15, 2024

In today’s digital age, graphic design is essential for effective communication. Graphic design courses provide the skills needed to excel in this dynamic field, from mastering design principles to learning industry-standard software. At Karnavati University, our courses offer hands-on learning, industry insights, and opportunities to build a strong portfolio. Whether you aspire to design captivating […]

Read More
Interior Design Careers: What’s it Like to Work in Industrial Design?
February 12, 2024

Interior design is a tapestry of the creative front that is incorporated to transform into a living artwork using its functionality. This functional and aesthetically pleasing design course has various niches within it, and selecting among them could be a daunting task when making relevant career choices. One such field is industrial design, which stands […]

Read More
Product Design & Development: A Complete 2024 Guide
January 22, 2024

When creating a product, the two essential elements necessary are design and development. After conducting extensive research on the distinction between product design and development, we have identified the key differences between the two. In addition to identifying these disparities, we will understand the collaborative dynamics of these two factors in conceptualizing the product and […]

Read More
icon