Is it the right time to invest in stock market instead of banks when the rate of interest is really good?

Question

Is it the right time to invest in stock market instead of banks when the rate of interest is really good?
is it the right time to invest in stock market instead of banks when the rate of interest is really good like 9%..

secondly would you call it a wise invetsmnt to shift from a fixed return scheme to stock market..?

Answer 1

The answer of ur first question is not so simple and straight forward. It needs a whole lot of thinking and wise decisions. But keeping it simple i would suggest u to Invest proportaionately to every avenue of investing. Avenues Include Stock market, Mutual Funds, Bonds, SIP, Fixed deposit, Liquid CAsh, Properties, etc.

Investing in stock market has the potential to give higher return from other investment avenues, but it also has the higher risk of getting degraded. Ur investment may double up in years in stock market but it can also come down drastically. Whereas once u invest in Fixed deposit, U become free of tension but with less return.

So everything depends upon ur risk taking ability. Being a bachelor u can invest more in stock market bcoz u need not to worry for ur family but if u r married , then u want toplay safe and invest more in fixed deposit or bond etc which r considered to be safe.

Rest ur own judgement. I m giving u a link which will help u decide ur RISK TAKING CAPABILITY and will help u in distributing ur surplus balance into proper area of investment.



http://content.icicidirect.com/personalfinance/personalfn.asp



in the above page, u will see TOOLS on right hand column, there u will see INVESTMENT PLANNING. it has two sub category. Check the both. And be wise when u answer the questins there.



NOW about ur second question,

Its never wise decision to convert ur healthy fixed return schemes into stock market. Better u invest ur present surplus investable amount into sttock market. It will be safe and fruitful also.

Hope my suggestion will solve ur querries. Check the above mention link definately.



And i request all of u to put Best answer mark to the answer which u like most.

Answer 2

For investing in Stock market all time is right time if and only if u r informed investor. In banks no risk 9% return in Market High risk and can be 9% return in an Hr.



Source

http://finance.tipz.in

Answer 3

Well, investing in the stock market can be very good, and very bad. It can be very good because you can make much more money that way, but bad because you can also lose a lot of money that way. If I were you, I would contact a financial adviser and ask them to give you some advice, since this probably isn't the best place to get advice on money investment.

Answer 4

Invest 25% inal direction



1. Share

2. Property

3. Gold

4. bank

Answer 5

I work in that Industry were we guide High Net worth investors on what they should be doing ?



To answer your question you need to ask yourself 2 questions:



1 Time : Is it Short term or Long term ?

2 Risk Appetite



or you can visit my website which guides novice investors on how to invest in Mutual funds

www.topindiafunds.com ( going live in July 2 week)



Varun

Answer 6

Hi there..



if you have little long term perspective, be invested in Banks as in 2009 after Basel norms, they would be attractive stocks, either good on value or target for foreign banks, my pics are ICICI, Indus Ind, PNB..