So I am gonna tell you,how to invest your money in the form of FD's or SIP's or other ways possible with example.

There are four major things u need to keep in mind before investing that are your aims,which are:

1. Pension Plan : as most of the private companies are not providing any pension plans and there has been the case for future government jobs.

   
   




2. Health Insurance: As we know Health is Weath, you also have cover the health insurance for your family also. You can simply just take a suitable health insurance policy from any bank or dealer you trust, not any rocket science involved.

   
   




3. Home: It is must for every one of us. If someone has his/her own house then there is always a desire to have a another one.

   
   




4. Children Study Plan: After job comes Marriage and then Children. With children comes responsibilities, of their Secure future. The main concern here for money comes when they are going for College whether India or abroad. College fees now are also very high so imagine the scenario of future.

   
   

So keeping these 4 things in mind you have to plan.

Now, assume you are of 30 years of age and earns Rs.50000 per month(amount taken is just to simplify calculation).

First thing is the SIP(Systematic Investment plan),which is basically investing your money in the market within different companies using a small amount every month. It is most useful and benefecial step to invest,specially for younger people(upto 35 years of age).

So basically take 1/3rd of your every month salary that is around Rs.17000

Now subtract your age no. from 100 that is 70.

Hence you have to invest 70% of that 17000(i.e. around Rs.12000) in SIP at any cost for every month and remaining 30%(i.e.Rs.5000) into the FD's which are more safe compared to market.You should change the investment according to your increasing age after minimum 5 years.

You can search on google for SIP for more detail.

One thing which is most important that u have to invest in SIP for long period of time(atleast 5-7 years and upto 10-15 years). Short period are not benefecial at all .

You must be thinking currently market is down so why should I invest in the market?

So,imagine that you are in 2008,in which recession was more worse than it is today, that year the BSE(Bombay Stock Exchange) was on 8000 Rs. Currently it is at around Rs.25000,so imagine someone who has invested in market at that time for a longer period suppose 8 years than that guy's share price has been tripled . If he would have thought of recession,then he could not have gained that much. With current Recession it can't get any worse.

One more thing BSE was Rs.100 in 1990,so imagine the person who have invested for 25 year

Hence the thing is u should invest for longer period in SIP with disclipline and plan.

Also,all other things such as house rent, car emi etc. should be separately managed with remainder of Salary if u want to have safe future ahead.

HOpe it helps,review for further more .

Thanks.