Deciding First Investment Financial Planning


Financial planning plays a vital role in any company or individual timeline, no matter how varied it is. Especially for mid-level organizations, it is imperative to have a prompt financial management module to revitalize and restructure their books from their investments to profits.

Planning one’s financial future can be considered one of the most important things one can do in a lifetime. Financial planning should not be taken lightly as there are many different aspects that should be examined. Your finances should be balanced, taking into account short-term goals as well as long.

Financial planning and investment go hand in hand. Investment of any sort needs the backing of a good plan of portfolio. Financial planning can help in evaluating the best investment opportunities. A well-shaped plan not only enables you to pick the right investment but it also shows how to allocate money among different type of investments.

From investment point of view, when an individual plans his/her financial goals, it is very important that the person have a thorough knowledge of all the existing investment segments and the dangers in and around them.

Investment is a smart decision by an individual to get the best returns on their money from time to time. But, the process of investment, in its true sense is not an easy one. First-time investors are more likely to face the heat when deciding when and where to invest their hard-earned money for consistent and favorable returns.

Creating wealth for future needs through the present means is a genuine and intelligent decision. But, directing all your investments in a single industry or group of stocks is not a very good idea now, when the market situation is gloomy and uncertain. There are a number of areas where one can invest and can get good results. However, with the emergence of numerous investment baskets, one finds it tough to choose what and where to put in their money.

One has to sit and spend extra time towards researching and identifying stocks or mutual funds, which would correlate with his/her financial goals, in order to avoid repentance after taking the decision. Now, it becomes tougher for you to pick a specific route from a cluster of investment options – equity, mutual funds, IPOs, commodities, currencies etc.

If Mutual Funds are one of the most popular ways for new investors to build wealth, equity, if accompanied with expert research recommendations, can give outstanding returns many fold for a good number of investors. Similarly, commodities has also emerged as one of the hottest investment options for retail investors.

With the ever-changing investment map, even the domain experts are unsure about where the opportunities lie. It demands in-depth study and analysis of all these investment options mentioned above. For many, the stock market may not be the right place if they are not prepared to lose any money. Nevertheless, by taking a longer view one can expect to do better there than in cash and bonds.

Having done with this crucial choice of investment areas, you have to bang your head on picking up suitable tax saving instruments. To get consistent and promising returns on your investment you have got to be a tax-smart investor. The lesser-known fact is your actual investment return is what you keep after taxes. Holding tax-efficient investments in taxable accounts and less tax-efficient investments in tax-advantaged accounts may add value to your portfolio.

The true purpose of financial planning is to cover one’s expenses and making money and the value of assets grow. To realize the actual wealth, first fix your mind on suitable asset allocation, select low-cost investments and at last become tax-smart about where you hold your investments.


1. Views as are mentioned in the article are personal views of Author and nothing to link with Co., its Director and Employees.

2. All investments are subject to market risk and you need to consult your financial advisor/consultant before investment

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