Must Have an Investment Plan

Like maximum of the people you too have habit of saving some part of your earnings and investing that saving for future purpose. This is a good but it is found that maximum of people make investment but with no plan. Hardly a few people are found to be having an investment and you might too fall in the category of the people who don’t have any investment plan.

Why an Investment Plan?

Planning is essential for success in any adventure or work. Truly speaking investment is also an adventure. Do you think that you can reach to your goals without any plan? Do not you plan your journey? Do not you plan your future? I think your answers to these questions will be yes. So why not to have an investment for your hard earned money. Always remember that it is your money that will help and assist to realize all your future plans and dreams.

What is Investment Plan?

Investment plan is written plan about all the investment activities and strategies that you will for the period. An investment plan is useful for pre decided period only. This plan should include everything from amount of money, type of assets in which to invest, risk, time horizon, expected returns and expected losses before you will sell the assets and the periodic review. This may look like very conservative approach of investing but when you start investing with this way you will find the benefits of the approach as this will ensure that you are not losing any money or your capital. This might seem to be strange but it works like panacea.

Investment plan is imperative before you invest into any kind of assets. And that too you should write it beforehand when investing as when assessing the investment values and time horizon, the clear picture is in front of you. Writing a proper investment plan is as important as investing and choosing right asset classes.


9 Responses to “Must Have an Investment Plan”

  1. I have been reading this blog for some time yet this is my 1st message. Apologies upfront if it is too long… I’m approaching retirement, and wish to make certain that my retirement income does not devalue. I have got a sufficient amount of funds secured in my Individual retirement account but I would not like to invest in something high-risk like securities. I am not an expert on finance and require some investment suggestions. What kind of investment would you suggest? I’ve been reading through a whole lot about Swiss annuities recently- and think they sound like a healthy option. Is it a fact that they are really immune to bankruptcy and divorce proceedings? Also- are the tax breaks they offer U.S. investors as great as marketed?

    • Dear Arthur
      I can give right kind of advice only when I have details about your financial positions. Unless I don’t have right details I can give you some vague advice.
      Seeing your age and you are approaching retirement I will suggest that you should go for secure investment options like bonds. This will low risk and low return investments.
      For more detailed plan please contact me on

  2. Today, with the fast life-style that everyone is having, credit cards have a big demand throughout the market. Persons coming from every field are using credit card and people who are not using the credit card have made arrangements to apply for one in particular. Thanks for revealing your ideas on credit cards.

    These days of austerity as well as relative panic about incurring debt, lots of people balk against the idea of making use of a credit card to make acquisition of merchandise or maybe pay for a vacation, preferring, instead to rely on this tried in addition to trusted procedure for making settlement – cash. However, if you have the cash available to make the purchase in full, then, paradoxically, that\’s the best time to use the cards for several causes.

    One thing is that often one of the most common incentives for utilizing your credit card is a cash-back or maybe rebate present. Generally, you\’ll have access to 1-5% back upon various expenditures. Depending on the cards, you may get 1% again on most acquisitions, and 5% in return on buying made using convenience stores, gas stations, grocery stores and \’member merchants\’.

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    Thanks for your tips. One thing we have noticed is that often banks as well as financial institutions really know the spending routines of consumers while also understand that many people max out and about their cards around the holiday seasons. They correctly take advantage of that fact and then start flooding your current inbox as well as snail-mail box together with hundreds of Zero APR credit card offers shortly after the holiday season finishes. Knowing that if you are like 98% of American open public, you\’ll soar at the one opportunity to consolidate credit debt and shift balances for 0 rate credit cards.

    • As an financial planner I will always suggest you to please ignore credit cards. These are not meant to facilitate spending but not to empower you financial. So better avoid credit cards as once you are habitual to credit cards, it will be difficult to without these.

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