#4

Critical Things to
check before
Investing

Risk
Risk
Capacity

Step 1- Check the Risk of investing of

Product against the expected returns.
Step 2-Check your Risk Attitude and
Risk Capacity
Step 3- Compare the Risk of product
with Personal Risk Profile

Investment

Risk
Attitude

Returns

Return
Returns on different Products
40.0%

Step 1- Check the Historical Returns of

the Various investment Options

35.0%

30.0%
20.0%

Step 2- Estimate the expected returns for

future period.
Step 3- Build a portfolio with all products
in a proportion, which gives Expected
Return with Acceptable Risk

10.0%

27.0%

21.0%
19.0%

8.0%

7.5%

5.0%

8.0%

7.5%

2.3%

0.0%
2013

2014

2015
-3.7%

-10.0%
-11.5%
-20.0%

Step 4-Check the Hidden Charges of

products before investing

Shares
Source: AdviseSure Research

Mutual Fund

Fixed Deposit

Gold

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Tax on Returns

Tax on Income can take major chunk of the returns.

Income from Products like shares and Equity mutual funds is Tax Free if sold after one year
This makes it necessary to check the taxes on the returns earned from various products

Shares

Tax free if Sold after 1 year. 15% tax in case sold within 1 year of Purchase

Equity Mutual Funds

Tax free if Sold after 1 year. 15% tax in case sold within 1 year of Purchase

Debt Mutual Funds

10% Tax if Sold after 3 years. If Sold within 3 years then as per Tax Slab of Investor

Fixed Deposit

Tax on Interest as per Tax Slab of Investor

Bonds

Tax on Interest as per Normal Income Slab

For Detailed Analysis refer our Taxation page

Liquidity

Liquidity means easy to sell a particular product

A portfolio should consist of the right mix of liquid and less liquid products. Less liquid provide
greater returns whereas as liquid ones may provide less returns in the short run
Some part of your investments should be kept in liquid fund or maintained in your savings
account to meet contingencies
Shares/Gold

Highly Liquid

Debt / Equity Mutual Funds

Highly Liquid

Bank Fixed Deposit

Highly Liquid

Saving / Current Bank Account

Equal to cash

Corporate Fixed Deposit

Moderate Liquid

Property

Illiquid

Right Process
1

Right Portfolio

Buy/ Sell

Regular
Monitoring

Risk Profiling

Financial Goals

Knowing-

Knowing-

Risk Capacity- How much

Risk you can afford to take

All Financial Goals of the life

Investment Products right

as per risk profile

With least Brokerage &

Commission

Of Portfolio and Markets

The
Inflation
adjusted
amount required to meet
them

Portfolio
efficient

With Nil hidden costs

Rebalance Investments
when required

Risk Attitude- How much

Risk you want to take

which

is

tax

Know Best 5 shares

for your Risk
Profile

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Advice

Goal Planning

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Transaction

If you want to Restructure

your portfolio

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Financial Goals

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