INVESTMENT ALTERNATIVES
INTRODUCTION
MEANING
INVESTMENT ALTERNATIVES MEANS
VARIOUS OPTIONS AVAILABLE TO AN
INVESTOR IN THE MARKET.
TYPES OF INVESTMENT ALTERNATIVES
NEGOTIABLE
SECURITIES
NON
NEGOTIABLE
SECURITIES
NEGOTIABLE SECURITIES
VARIABLE
INCOME
SECURITIES
FIXED INCOME
SECURITIES
GROWTH
SHARES
SPECULATIVE
SHARES
CYCLICAL
SHARES
INCOME
SHARES
DEFENSIVE
SHARES
GROWTH SHARES
• THAT HAVE HIGHER RATE OF GROWTH
THAN THE INDUSTRIALTHE INDUSTRIAL
GROWTH RATEIN PROFITABIKITY ARE
REFERRED TO AS GROWTH SHARES.
FIXED INCOME SECURITIES
PREFERENCE
SHARES
DEBENTURES
BONDS
IVP AND KVP
GOVT.
SECURITIES
TREASURY
BILLS
COMMERCIAL
PAPERS
CERTIFICATE
OF DEPOSIT
NON NEGOTIABLE SECURITIES
DEPOSITS
TAX SHELTER
SAVING
SCHEMES
LIFE
INSURANCE
MUTUAL
FUNDS
REAL
ASSETS
REAL
ESTATE
DEPOSITS
BANK
DEPOSIT
POST
OFFICE
DEPOSIT
SECURITY
NBFC
DEPOSITS
POSOFFICE SAVING ACCOUNT
INT.RATE
3.5%
INT. IS TAX
EXEMPT
AMT
SHOULD BE
RS.20 FOR
ORDINARY
ACCOUNT
MAX. BAL
50000 AND
100000
POST OFFICE TIME DEPOSITS
DEPOSIT CAN BE
MULTIPLE OF 50
HIGH INT. RATE
AS COMPARE TO
BANK DEPOSIT
NO WITHDRAWL
UPTO 6 MONTHS
IT CAN BE
PLEDGED
TAX DEDUCTION
WITHDRAWL
AFTER 6 MONTH
TO ONE YEAR
.,NO INT. IS
PAYABLES
MONTHLY INCOME SCHEME OF POST
OFFICE
TERM SCHEME IS 6 YEARS
INT.RATE IS 8% PER ANNUM
FACILITY OF PREMATURE
WITHDRAWL AFTER ONE YEAR.
NO MAX
LIMIT
,MIN.IS
1000
8.4% INT.
RATE
CAN BE
PLEDGED
TAX SHELTER SCHEMES
PPF
NATIONAL SAVING
SCHEMES
NATIONAL SAVING
CETIFICATES
MUTUAL FUND
OPEN ENDED
SCHEMES
CLOSE
ENDED
SCHEMES
REAL ASSET
RESIDENTIAL
HOUSE
GOLD
ART
OBJECTS
AGRICULTURE
FARM
COMMERCIAL
PROPERTY
AGRICULTURE
LAND
SECOND
HOUSE
RESORT
HOME
SEMIURBAN
LAND
COMMERCIAL
PROPERTY
PRECIOUS OBJECTS
GOLD AND
SILVER
PRECIOUS
STONES
ART
OBJECTS
BENEFITS OF MAKING INVESTMENT
INREAL ESTATE
HIGH CAPITAL APPRECIATION
AVAILABILITY OF
LOANS
TAX REBATE
PSYCHOLOGICALLY
SECURE FEELING
LEGAL
APPROVAL
POSSIBILITY
OF CAPITAL
APPRECIATION
ORIGINALITY
OF TITLE
DEEDS
CREDIBILITY
OF BROKER
CRITERIA FOR EVALUATION
RATE OF RETURN
CONVENIENCE
TAX SHELTER
RISK
MARKETABILITY
Money market instrument
• DEBT INSTRUMENT WHICH HAVE A
MATURITY OF LESS THAN ONE YEAR AT
THE TIME OF ISSUE ARE CALLED MONEY
MARKET INSTRUMENT.
ART AND ANTIQUES
• PAINTINGS ARE THE MOST SOUGHT AFTER
FORM OF ART. PRICES ARE RISING AND IN
WESTERN COUNTRIES INVESTMETN IN
ANTIQUES IS MORE COMMON THAN IN
INDIA. THE ANTIQUE IS AN OBJECT OF
HISTORICAL INTEREST.