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Tips to invest your post-budget savings
March, 04th 2008
Stretch your disposable income

Several expenses you meet in daily life like tuition fee or insurance premium yield tax benefits. So use them effectively to lessen your burden, instead of utilising the entire Rs 1 lakh limit for investments alone.

Keep your PAN ready

PAN is now mandatory for almost all transactions. So keep copies of PAN card ready for submission. While most investments demand a PAN, now you are also required to flash one to open a bank account.

Play safe, choose the right cover

Treat life insurance as a shield against uncertainties. Select an insurance policy that will provide life cover for you and your dependents rather than focusing only on returns.

Invest wisely

Do not mix investment objectives while selecting financial products. If you intend to have a steady and regular income, opt for debt products. For aggressive investors, equity is always the best friend.

Safe Haven

Investments not all about big risks & high returns.It pays to be a disciplined investor

Make most of PPF investments

Invest in the public provident fund before the 5th of the month to earn interest for the full month. If you pay by cheque, make sure your cheque gets cleared by this date.

Start early

Invest early in your PPF accounts, rather than waiting for the year-end as you may lose out on the interest. If lump sum investment is difficult, opt for monthly installments.

Look beyond usual pension plans

Consider and evaluate pension products beyond traditional routes to get a wider choice in achieving financial objectives. Look out for insurance-cum-pension plans for a secure future early on.

Debts the best bet for fixed returns

If you want fixed returns, then select a debt instrument like fixed deposit or post office term deposit or NABARD rural bonds. These are not tradable and have a fixed payout. However, the returns are comparatively lower than equity-based investment avenues.

Cash Cows

Make an early start. Stick to basics.Span out your investments to keep the load light

Maturitys the key

There are various lock-in periods for various tax-saving instruments. While ELSS has a lock-in of 3 years, for term deposits it is up to 5 years. So select the one that suits your investment objective.

Dont lock in your funds

Choose the dividend payout option in equity-linked savings scheme to get regular payout of the gains rather than face a lock-in on the entire investment. Look out for new avenues to reinvest the dividend so received.

Take the SIP route to prosperity

Equity-linked tax saving investments should be spread out through the year and this will require investments right from the beginning of the year. Thus, SIP route is advisable.

In debt, its all about timing

Debt investments for tax saving can be made at one go, but those that are not tradable should be selected in the beginning of the year to maximise earnings. Inflation can further eat into your returns from debt instruments.
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