Investment Opportunities and Financial Planning: Zeiloch Organization

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Investment Opportunities and Financial

Planning
Exploring Diverse Investment Avenues for a Secure Financial Future

Zeiloch Organization

Presented by: PIYUSH RAJ


IIIT ALLAHABAD
Financial sectors
In today’s dynamic financial landscape, making
informed investment choices is crucial for
securing one’s financial future.
In today's dynamic financial landscape, making informed investment
choices is crucial for securing one's financial future. This presentation
explores various investment avenues available to individuals, providing an
overview of each. The options covered include:
Share market
Investing in shares of publicly traded
companies.
MERITS DEMERITS
1. High potential for returns. 1. High risk and volatility.
2. Liquidity and flexibility. 2. Requires knowledge and monitoring.
3. Diversification opportunities. 3. Potential for significant losses.
Public provident
fund
A long-term savings scheme backed
by the government.
MERITS DEMERITS
1. Tax benefits under Section 80C. 1. Lock-in period of 15 years.
2. Guaranteed returns 2. Lower returns compared to the stock market.
3. Long-term savings with compound interest. 3. Limited liquidity.
Banking sector
Savings accounts, fixed deposits, and
other bank investment products.
MERITS DEMERITS
1. Safety and security. 1. Lower returns compared to other investment
options.
2. Fixed returns with minimal risk.
2. Fixed interest rates may not keep up with
3. Easy access and liquidity.
market conditions.
3. Inflation can erode real returns.
Physical gold

Investing in gold through bullion, coins, or jewelry.


MERITS DEMERITS
1. Tangible asset with intrinsic value. 1. Storage and security concerns.
2. Hedge against inflation and economic 2. No regular income.
downturns.
3. Price volatility and making charges
3. Universal acceptability and liquidity.
Mutual funds
Pooled investment vehicles managed
by professionals.
MERITS DEMERITS
1. Professional management. 1. Management fees and expenses.
2. Diversification of portfolio. 2. Market risks and volatility.
3. Accessibility and flexibility. 3. No guaranteed returns
Real state
Investing in residential, commercial,
or rental properties.
MERITS DEMERITS
1. Potential for appreciation. 1. High entry and maintenance costs.
2. Regular rental income. 2. Illiquid investment.
3. Tangible asset with long-term value. 3. Market and regulatory risks.
Post office
schemes
Government-backed savings options
available through post offices.
MERITS DEMERITS
1. Government-backed safety. 1. Lower returns compared to market-linked
investments.
2. Variety of schemes with tax benefits.
2. Limited liquidity.
3. Fixed returns.
3. Inconvenience in terms of accessibility.
Life insurance
Policies that provide financial
protection and investment returns.
MERITS DEMERITS
1. Financial protection and risk cover. 1. Lower returns compared to other investment
options.
2. Tax benefits under Section 80C.
2. Complexity in choosing the right policy.
3. Long-term savings and investment.
3. Potential high premium costs.

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