Investment: Long term plan

Once we have decided for long term investment plan, do no change it. Keep the plan unchanged for a very long period of time, if our selection is good and correct. Review the investment portfolio regularly and make necessary changes in the portfolio and continue as planned.

Except the investments giving the fixed return, all others are subject to market risks. The market will be volatile and accordingly the portfolio would give positive or negative return in the short term. But in the long term, the return would be in favour of investors.

The investments like gold and equity shares can be transferred to next generation too. 

Investment: Government securities

To raise funds to finance important projects and budget deficits, government issues government securities (G-SEC)  or treasury bills (T-Bills).

The return is fixed and secured and usually better than the fixed deposits.

Moreover government securities are reliable and investors get a good return when there is financial crisis and other investments are not doing well. 

Investment: EPF and PPF

We can invest in EPF and PPF.

EPF or Employer's Provident Fund is directly deducted from employee's salary. Employer also contributes to the EPF. A part of the employer's contribution goes to pension scheme. Since employee and employer contribute equally to the fund, it is the best investment for the investor looking for wealth accumulation with fixed return.

PPF or Public Provident Fund is contributed voluntarily by the investor who is investing  for long term and looking for secured return. PPF can be opened at any bank or post office with the facility and can be transferred to any bank or post office.

EPF and PPF are safe investments.