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Disclaimer:
The information provided in this communication is for educational and informational purposes only and should not be considered as financial advice. I am not a SEBI-registered financial advisor, and the views expressed are my personal opinions. Investments are subject to market risks, and you should carefully consider your investment objectives and risk tolerance before making any investment decisions. Please consult with a qualified financial advisor before making any investment decisions. Any action you take based on this information is strictly at your own risk, and I am not liable for any losses or damages in connection with this advice.
Confidentiality Notice:
The methods, research, and data used to generate these investment suggestions are confidential and proprietary. You may share the content of this communication with others, but please do not reproduce, distribute, or publish the information without my explicit consent. By receiving this communication, you agree to respect and maintain the confidentiality of the content provided.
Before Investing
- Have a sheet or documentation of your personal financial information to be handed over to someone you trust most, (helps in case of your sudden demise)
- Prepare a Balance sheet of your expenses to check how much money is left for you to invest
- Have an emergency fund of at least 6 months of your expenses ..invest these emergency funds in liquid funds which I will suggest in next session
- Take health insurance for you and your parents as mandatory..this can help you in case of unexpected emergencies
- Take term life insurance as it can help your family have a better financial conditions in case of your sudden demise
- Also take a demat account,in grow ,upstox,or zeroda, if you are looking to invest in US stocks, create an account on INDMoney(recommended)
How to Invest?
How you invest depends entirely on when you need the money.
- If you need the money after 3 years, consider investing in Debt Funds for goals like a marriage or buying a car in 2 years.
- If your financial goal is long-term, such as retirement planning or funding your child's education, consider investing in Equity.
- If you need access to your money urgently but are unsure when, consider investing in Liquid Funds. By default, emergency funds can be kept in Liquid Funds instead of a savings account.
- If your goal is 1 to 3 years away, and your parents are senior citizens, consider investing money through their accounts to take advantage of the higher interest benefits on Fixed Deposits (FDs).
The priority list for investments is based on research conducted on December 25, 2024 for 2025 Investments. This data will be updated again on Dec 2025 or Jan 2026.
Debt Funds
Liquid Funds Priority:
2025 Suggestions:
Banking and PSU Funds:
Corporate Bond Funds Priority:
Short Duration Funds Priority:
2025 Suggestions:
Gold ETF:
Equity:
Small Cap Sector
Mid Cap Sector:
2025 Suggestions:
Multi Cap Sector:
Index Fund Sector:
2025 Suggestions:
ELSS Fund Sector:
REITS:
Brookefield Mindspace Embassy
CryptoCurrecny:
BitCoin Ethereum
US Stocks:
Vanguard S&P 500 ETF
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