I AM OF 75 AGE, GIVE ME SAFE & BEST INVESTMENTS IN PRESENT DAYS

Ans:

1.TECHMAHENDRA 25NOS - Hold

2.MARICO 10 NOS - Hold

3.INDRAPRASTHA GAS 10NOS - Hold

4.INFY 10NOS - Hold

5.EXIDE 25NOS - Hold

6.GRANUELS 25NOS - Hold

7.ADANI GREEN 25 NOS- Exit

8.ITC 25 NOS - Hold

9.IRCTC 5NOS - Hold

10.AVENUE MARKET 3NOS - Hold

11.VODAFONE IDEA 100NOS - Exit

12.SOUTH INDIAN BANK 200NOS - Exit

13.TATA CHEMICALS 20NOS - Hold

14.SHOBHA 25NOS - Exit

PL ADVICE YOUR VIEWS

Ans: Hi At age 65 safest investment can be in 3 products , you can choose either

1) LIC jeevan akshay or LIC jeevan shanti to get income for life
2) Post Office Investments like KVP NSC term deposits
3) Bank FD done in any reputed bank

Ans: It is good that you are thinking about investing. Many people delay this decision. You are already taking the first step toward financial security.

Understanding Your Financial Position
You have limited money, so every investment decision matters.

You are new to investing, so a simple and safe approach is best.

You feel worried about investing, which means you need clear guidance.

Importance of a Financial Plan
Before investing, you must know your financial goals.

You should first secure an emergency fund before investing.

Your investments should match your time horizon and risk tolerance.

Where to Start Investing
Fixed deposits are safe but offer lower returns.

Mutual funds are good for long-term growth with professional management.

Debt funds provide better returns than FDs with lower risk.

A mix of investments is better than putting all money in one place.

Mutual Funds for Beginners
Actively managed mutual funds are better than index funds.

Investing through a Certified Financial Planner helps in fund selection.

Direct funds may seem cheaper but require deep market knowledge.

What to Avoid
Do not invest in products you do not understand.

Do not follow market trends blindly.

Do not invest all your money in one asset class.

Final Insights
Start small and increase investments gradually.

Take advice from a Certified Financial Planner.

Investing wisely today ensures a better tomorrow.

Best Regards,

K. Ramalingam, MBA, CFP,

Chief Financial Planner,

www.holisticinvestment.in
https://www.youtube.com/@HolisticInvestment