Hello sir, I am 46 years old in a Private sector job, 1. I want to invest some money in stock market , kindly give some guidelines 2. I have small FD with Bank for two years how i can invest it further

Ans: In the stock market, there's no way one can have assured return. Also, there's a risk involved. Since I have limited knowledge for fixed income products which are relatively safe, I would recommend checking with a financial planner/expert for products matching your return expectations with minimum risk.

You can invest in stocks such as Kajaria Ceramics, Berger paints, Metropolis, M&M, Ashok Leyland, Britannia, V-guard, Polycab, Biocon and Birlasoft.

Ans: please follow mutual fund route through SIP.

Disclaimer: Investments in securities are subject to market RISKS. Read all the related documents carefully before investing. Please consult your appointed/paid financial adviser before taking any decision. The securities quoted are for illustration only and are not recommendatory. Registration granted by SEBI, membership of BASL and certification from NISM in no way guarantee performance of the intermediary or provide any assurance of returns to investors.

Ans: ETF’s Bees are the best for you and you can do this through a monthly SIP mode, but equal sum every month and keep building your portfolio. This can be purchased from your brokers app.

Ans: It's commendable that you're considering diversifying your investments beyond fixed deposits, especially given the potential for higher returns in the stock market. Let's explore how you can begin investing in mutual funds (MF) and similar funds with a portion of your wealth.

Since you're new to the stock market and MFs, it's wise to start with a conservative approach. Consider investing a portion of your fixed deposits into balanced funds or equity-oriented hybrid funds. These funds offer a mix of equity and debt instruments, providing growth potential while mitigating risk.

Given your substantial corpus, you have the flexibility to invest in a diversified portfolio of mutual funds across different categories. Allocate funds based on your risk tolerance, financial goals, and investment horizon.

For long-term wealth creation, equity mutual funds, particularly large-cap and multi-cap funds, can be suitable. These funds invest in well-established companies with strong growth potential, offering the possibility of higher returns over time.

Consider investing systematically through Systematic Investment Plans (SIPs), which allow you to invest a fixed amount regularly. SIPs help in rupee-cost averaging and reduce the impact of market volatility on your investments.

Since you have no immediate financial commitments and your children are financially independent, you can afford to take a long-term view with your investments. Focus on staying invested for the long haul to benefit from the power of compounding.

However, it's crucial to consult with a Certified Financial Planner who can assess your financial situation, risk appetite, and investment objectives. They can help you devise a personalized investment strategy and guide you through the process of investing in mutual funds.

In conclusion, by diversifying a portion of your wealth into mutual funds, you can potentially achieve higher growth than fixed deposits over the long term. With careful planning and professional guidance, you can navigate the complexities of the stock market and work towards your financial goals.

Best Regards,

K. Ramalingam, MBA, CFP,
Chief Financial Planner,
www.holisticinvestment.in