I am ready to invest Rs 4 Crores.

Investors,

Hello fellow investors, I have recently come into Rs 4 Cores as a result of the sale of Ancestral Property, this is actual cash after paying all taxes and fees.
For the first year I was able to put the money into a State Bank of India Fixed Deposit at 10% Interest for a period of 1 year, once this deposit came to maturity in September of 2009, all I could find was a rate of 6% with most banks.

I know the money is safe in a Fixed Deposit, but getting 6% per annum seems like I am not getting the most return for my investment being a young man.

Can fellow investors advise me about the various available investment options in India today?

I think what I need is some sort of wealth management, but the idea that is holding me back is the fact that I just dont want to entrust some Tom, Dick and Harry with my Money, I would prefer to learn about the different investing options within the economy and make my own investment decisions.

Any thoughts or advice would be much appreciated.

Keep 90% in fixed income securities like bank FDs....balance 10 % use as your trading capital....that will give much more returns with low risk.....learn trading properly before venturing into it.....

Best wishes,

Smart_trade

you mentioned about investing, not trading. so here is advice

i am guessing you are young (below 30)

20% Mutual Funds
5% retirement schemes
20% direct stocks (portfolio of 10-15 stocks)
15% gold
30% property (flat with rental income, plots..)
10% bank, post office fixed deposits. yearly interest , buy pure term insurance for self


Mutual Funds -- have a core funds of 4-5 , 1 sectoral fund, 2 midcaps, 1 flexi cap, 1 tax saving

Gold -- 5% one time purchase of physical gold. 10% , buy GOLDBEES. everyday buy X units for 1 year.

Retirement Schemes -- do a SIP for 1 week in 3 good schemes

Direct stocks -- build a long term portfolio of index and midcaps.

it doesnt take more than a month to read, understand what to buy for MF, Direct Stocks, Retirement schemes, term insurance...

Investment in Gold???

It's price spurts in 2-3 years and then consolidate for some 10-15 years. If you miss the initial spurt you will be left with negative returns ( inflation adjusted) for the next decade.

take a look at the chart.




and also the price history at the link.( input year fields)


1901 20.67 $, 2001 272.22$ and 2008 900$

http://www.measuringworth.org/datasets/gold/result.php





cheers.

hello sumapathi,
Its really good idea to do ur own fund management. An amount around 15-20% u should invest in the stock market. Around 50% of the stock market investment u should make engage in investment basis & rest 50% u should do for trading. For trading & investment u could consult experts obviously not them who take fees irrespective of their performance. U could consult those consultant who will give u calls at the time of entry & exit & will charge a % only if they give u right call & also the fees should be on the basis of % profit . I mean consultant charges (suppose) Rs. 200 if he gives u 2-3% profit & so on. Those type of consultants are only genuine in the market. They are really challenging of nature & shoulder responsibilities. A good performance can make both of them to grow so the consultant also has an urge to perform & make u better profit.
But this type of consultant is rare in the market. I know one having contact no.xxxxxxxxxxxxxxxxx
Thanx & happy investing

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There are many consultants available who will guide you properly regarding investing your money in different asset classes like fixed deposits, insurance, mutual funds, equity, real estate, gold etc. depending on your age, your risk taking appetite, your financial health, your commitments, your future goals etc.

Please dont fall prey to the lure of investing the entire amount only in shares, or indulge in trading unless you yourself are pretty knowledgeable and strictly follow money management rules.