Investment Planning

The placing of funds into the proper investment vehicles based on the investor's future goals, time horizon, and priorities.Ideally, proper investment planning will allow the investor's funds to produce financial rewards over time.

What is Investment Planning?

The process of investing allows you to grow, rather than maintain, your savings for greater financial rewards in the future. Investment planning requires the assessment of many different investment options to choose the right vehicles for your assets, such as stocks, bonds, and mutual funds. Working with an investment planner in Tucson offers you the benefit of professional knowledge and experience when developing and maintaining your investment portfolio.

Why Investment Planning is Important:
Maintain Living Standards


How easily an investment can be converted to cash, since part of invested money must be available to cover financial emergencies.

Low on Price

Risk Tolerance

The biggest risk is the risk of losing the money that has been invested, but the main thing is to how much investor can cover up and sustain with that. Another equally important risk is that investments may not provide enough growth or income to offset the impact of inflation, which could lead to a gradual increase in the cost of living. There are additional risks as well (like decline in economic growth). But the biggest risk of all is not investing at all.

Rider Benefits


Investments are made for the purpose of generating returns. Safe investments often promise a specific, though limited return. Those that involve more risk offer the opportunity to make – or lose – a lot of money.

Some Invest Planning Options:

National Savings Certificates (NSC)

National Savings Certificates are also tax free deposits allowing you to save up to Rs.1.5 lakhs under Section 80C of the Income Tax Act. Any deposits made under NSC, however, are not tax free as understood wrongly by many investors. But the interest earned can be re-invested to save tax under the same section.

Rajiv Gandhi Equity Saving Scheme (RGESS)

Rajiv Gandhi Equity Saving Scheme (RGESS) offers tax savings up to 50% of the invested amount for the first year for a first time investor. So if you are a first time investor, you can claim a deduction of 50 percent of the invested amount subject to a maximum deduction of Rs. 50,000. However, the deduction can be claimed by only those who have an annual income below 10 lakhs.

SIP Investments

SIP is a method of investing a fixed sum, regularly, in a mutual fund scheme. SIP allows one to buy units on a given date each month, so that one can implement a saving plan for themselves. The biggest advantage of SIP is that one need not time the market. In timing the market, one can miss the larger rally and may stay out while markets were doing well or may enter at a wrong time when either valuation have peaked or markets are on the verge of declining.

Equity Linked Savings Scheme (ELSS)

An Equity Linked Savings Scheme (ELSS) is an open-ended Equity Mutual Fund that doesn't just help you save tax, but also gives you an opportunity to grow your money. It qualifies for tax exemptions under section (u/s) 80C of the Indian Income Tax Act.

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