INVESTMENT

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Made By Lakshay Gupta
Class-Xth C
 What is Investment ?
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To invest is to allocate money with the
expectation of a positive benefit/return
in the future. In other words, to invest
means owning an asset or an item with
the goal of generating income from the
investment or the appreciation of your
investment which is an increase in the
value of the asset over a period of time
 Why Should Be Invest ?
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 For Good Returns.
 For Uncertain Future.
 Specified Sum for specific goal.

When to start investing?

 Invest as soon as possible.

 Invests regularly that is making regular investment to grow
money.
What is meant by interest?
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 Interest is payment from a borrower or deposit-taking
financial institution to a lender or depositor of an
amount above repayment of the principal sum, at a
particular rate. It is distinct from a fee which the
borrower may pay the lender or some third party.

 What Factors Determine Interest rate ?

 Demand for money
 Supply of money
 Inflation rate
Short Term Financial Option
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 Saving Bank Account :- A savings account is an
interest-bearing deposit account held at a bank or
other financial institution. Though these accounts
typically pay a modest interest rate, their safety and
reliability make them a great option for parking cash
you want available for short-term needs.
 Money Market or Liquid Funds :- They Give better
returns than fixed deposits or saving banks . They
are form Of mutual funds and Provide Easy
Liquidity.
Long Term Financial Options
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 The post office savings account :- A deposit scheme provided by the
post office throughout India. The account provides a fixed interest
rate on the account balance.
(i) Account can be opened with minimum initial deposit Rs. 250. (ii)
Minimum deposit in a FY is Rs. 250 and maximum deposit can be
made up to Rs. 1.50 lakh (in multiple of Rs.50) in a FY in lumpsum or
in multiple installments. (iii) Deposit can be made maximum up to
completion of 15 years from the date of opening.
 Public Provident Fund:-Public Provident Fund (PPF) is one of the
most popular long-term saving schemes which focuses on inducing
small savings like investments and accrue returns on the same. As a
saving scheme by the government, PPF gives an agreeable rate of
interest and returns on investments.
 Mutual Funds
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 Mutual funds is a type of investment which is mainly
use for high returns.
 But it have high risks
 Basically in mutual funds , there had a stock
exchange