STRENGHTS
1. Simple and easy to open the account.
2. Offers tax deduction becausse of 80cc.
3. Loan against PPF account balance.
4. Partial Withdrawals possible.
5. Lowest Investment risk.
PPF
OPPORTUNITY
1. One of the best way for saving in
future
2. Interest earned on PPF account is
exempted from tax
STRENGTH
1.Helps in hedging against risky
investments.
2.can invest in gold in paper format too
3.provides balance in investment
portfolio.
OPPORTUNITY
GOLD
1. Gold can be used as collateral for
taking loans.
2. In 2008 also, prices of gold decreased
but soon after it had a bullish
behaviour.
WEAKNESS
1. Liquidity is less as compared to other
investment.
2.Withdrawal is possible after 7th year
THREAT
interest rate is going to fall and returns
may not be good in comparison other
investment.
WEAKNESSS
1. people keep it as iiliquid investment
and keep it for marriage purpose.
2. Cost of storing and maintaining is
high
THREAT
1. No income generating capability
2. In 2008 recession, value of gold lost
more than 30% of value.
 STRENGTH
1.Tax Concession by investing in Mutual
funds
2.offers variety of products to the
products
3.governed by SEBI, hence customer
interests are taken care of.
OPPORTUNITY
1. Different types fundsfor different
types of investors and their needs
2. can invest in small amounts and
expect a good return
WEAKNESSS
Entry load and expenses have to be
beared by investors.
Some types of funds are illiquid.
Mutual
Funds
THREAT
1. Rate of return is not fixed.
2. MFs do not match the high return
like stock or security like bonds.

STRENGTH
1.. Small amount can be diversified in various WEAKNESSS
sectors
1. Higher cost of investment in form of
2. Investment options in Large, Medium, and
small cap funds according to the preference. expenses ratio and exit load
3. Tax Benefits under LTCG for normal equity 2. High market risk
funds or under 80C if investment through ELSS
funds
Equity Mutual
Funds
OPPORTUNITY THREAT
Higher return on investment No control over the investment as the
Can be source of passive income if fund manager decides the investment
invested properly Choice overload in selecting schemes
 STRENGTH
1.Can easily be liquidate WEAKNESSS
2.Availability of a wide variety of 1. The concept is not quite popular,
alternatives therefore the liquidity is low.
3.Helps in diversification of portfolio 2. ETFs can be only bought through the
exchange from demat accounts
4. Pricing is updated
throughout the day Exchange
OPPORTUNITY Traded Funds
1. Many fund houses are launching
ETFs. THREAT
2. ETFs to participate in US indices and 1. Market Risk- single biggest risk
debt markets.
3. new age ETFs called smart beta ETFs
have emerged.

STRENGTH WEAKNESSS
1. Offer Higher Effective Yield: In 1. Can not be exchanged into equity.
comparison to bank fixed deposits. 2. NCDs are not suitable for risk-averse
2. offer fixed returns in contrast to equity investors
that is highly volatile
3. there are no TDS charges
applicable Non Convertible
OPPORTUNITY Debentures
THREAT
1. With repo rate and reverse repo rate
decreased, NCD will be attractive option 1. Business Risk- with present situation
many high rated companies may find it
difficult to pay
2. inflation goes up, the real return will
go down

STRENGTH
1.Passive Management of the fund as it
consist of buying and holding of stocks which
represent the Given index. Hence no risk of
manager making poor decisions
2.Lowest expense ratio, since the fund
manager involves less time Index Mutual
Funds
OPPORTUNITY
Steady growth of investment over a
long term holding
Less uncertainty about the returns
than equity funds
WEAKNESSS
1. Less Flexibility due to passive
management of the fund
2. No bigger gains as the aim is to
match the market index not out
perform it
THREAT
Actively managed funds perform better
that index funds which are passively
managed.
Investor loss the chance to beat the
Index and gain higher returns

STRENGTH WEAKNESSS
1. safe retirement fund 1. investments of NPS are heavily tilted
2. account maintenance costs is very low towards risk-shy assets
3. reduces tax liability by availing the 2. withdrawal from NPS are taxed
deductions under section 80CCE
and 80CCD. National
OPPORTUNITY Pension Scheme THREAT
1. Money invested grows compounded 1.Very uncertain what will be the actual
with accumulated income every month risk at the end of NPS term as scheme is
2. opportunity to change invest plan or based on today's risk
change the funds manage if not
satisfied with the growth
 STRENGTH WEAKNESSS
1. Invest in a disciplined and phased 1. returns are lower in consistently
manner rising markets
2. Twice the Higher returns than RD. 2.Not very flexible with the
predetermined sum of money to be
3. can be started for an amount as low as invested.
Rs. 500 Systematic
Investment Plan
OPPORTUNITY
THREAT
1. Best time to buy more units when
markets are low. Hence reduces the 1. The risk of SIP getting a negative
overall cost of investment. return .

STRENGTH
1. Helps in capital gain WEAKNESSS
2. High rate of return is possible 1. Very high risk of investment
3. can be a owner of a company
4. Take loan against the shares
Direct Equity
OPPORTUNITY THREAT
1.Capital gains and Dividends are tax 1. high possible that capital investment
freee may get wiped out.
2. best option for high returns,
 STRENGTH WEAKNESSS
1. Less deposit amount for opening an 1. investment limit
account 2. Quarterly payouts may be
2. Easily accessible unnecessary for some people
3. Income tax benefit 3. Limited official hours in banks and
4. a high interest rate of 8.6% perSenior PO.
annumCitizen
OPPORTUNITY Saving Scheme THREAT
1.Instead of investing har earned money
in volatile schemes it is best to invest in 1. Efficiency in PO is very low
SCSS which offers security 2. risk is the returns could be lower in
2. Provision for online facility or future as bond yields decline
personalized service for senior citizen

STRENGTH
WEAKNESSS
1. Payment to girl child on maturity make
financially strong to girl child 1. a very high lock in period of 21 years
2. no restriction about number of time to 2. Maximum two account per family is
deposits. possible
3. Improve the gender inequality
Sukanya
Samriddhi Scheme
THREAT
OPPORTUNITY 1. lack of operation Efficiency in PO and
1. There should be online facility to banks
transfer money in future .
2. Lack of awareness
2. Pre-mature withdrawal amount should
be changed in future
 STRENGTH
1. Diversified Investment objectives for
an investor WEAKNESSS
2. Easy procedure for purchasing or 1. No control over the cost of operation.
selling of shares. 2. Capital market is high risk
3.Helps in constant monitoring
Portfolio
and periodic changes
management
services THREAT
1. Tough competion as number of new
OPPORTUNITY companies are entering into PMS.
1. Untapped rural Market. 2. Unawareness in rural areas.
2. browing PMS market with capital
market.

WEAKNESSS
STRENGTH
1.Lock in period of 1-3 years
1. Low risk or no risk
2.Low liquidity
2. Guaranteed return
3. Cost of funds,Capital gain tax of 20%
Debt Mutual
Funds THREAT
1. Credit default
OPPORTUNITY 2. Economic slowdown
1. When markets go down 3. Interest rate risk
2. Can have both government and
corporate bonds
 STRENGTH WEAKNESSS
1. Benefits of both equity and debt 1. Fund managers decide the allocation
2. Generally market fluctuation and of fund
interest rate fluctuation are opposite in
2. Lower returns compared to equity
direction. Hence can take advantage at
any time 3. High commission charges
HYBRID
FUNDS THREAT
1. Has threat from both interest rate and
OPPORTUNITY market fluctuation
1. Lot of first time investors see low risk
investment
2. Provides balance in portfolio