The decline in the stock market has scared investors. In such a situation, despite having money for investment, they do not understand where they would be fine to invest. Some investors feel that they will get more returns by investing in SIP. Some investors are seeing more benefits in investing outright in the current environment. In fact, the fall for the last five months has removed the stock of stock markets. NIFTY has fallen by about 3 per cent since the beginning of this year, while the Nifty Midcap 150 index has broken more than 10 per cent. Nifty Smallcap 250 index has crashed more than 16 percent.
Select asset according to the ability to take risk
Experts say that investors first need to understand their ability to take the risk. Second, they have to ask themselves what purpose they want to invest. Thirdly, for how many years the investor wants to invest his money. Investors should not think of reducing investment in shares and investing in fixed income instruments due to the current status of the stock market.
The right time to invest in shares
Santosh Joseph, co-founder and CEO of Germanate Investor Services said, “If a person has to invest Rs 10 lakh today, first of all he has to see how much he can take. It would be fine to put a large part of a million rupees in shares. will be.”
Investing slowly intelligence
Karan Aggarwal, Chief Investment Officer of Elever, who provides PMS service, said that it would be good to invest Rs 10 lakh to the investor in floating rate fund. He will have to make this investment through a systematic transfer plan (STP) of Rs 50,000 every month. He said, “The next 12-18 months may be of trouble. Investing gradually does not affect the market ups and downs.” Investing from SIP provides the benefit of Rupee Cost Averaging. This does not affect the market ups and downs. Aggarwal advised to invest through SIP in Gold Fund, Global Fund, Largecap Fund and Midcap Fund.
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Take care of portfolio allocation
In 1 Finance, Assistant Vice President Yash Sedani said that if a person has to invest 10 lakh rupees today, then it would be good to do a portfolio allocation instead of investing in the same asset. For equity he can invest in flexi-cap and passive index funds. Equity can be invested in flexi-cap and passive index funds. Apart from this, gold funds and real estate investment trusts can also be invested.