The nation’s hottest real estate markets in July weren’t the big, famous cities that most folks would expect. But what they lack in glitz, excitement, and skyscrapers
What is the difference between savings and investment?
Although savings and investment can be used for meeting various expenses in life, there are some major differences between them. Here’s throwing light on some of them.
Come month end, and it is time to decide what you want to do with the money leftover after paying off all the expenses. You would typically have two options: you can either save it or invest it. Many people wrongly assume that both the concepts are same. However, there are some major differences between the two. Let us understand these two concepts in detail.
Saving means keeping aside a part of your income . Investment means putting that money in financial products to earn returns and grow your wealth.
Saving money means keeping aside a part of your income regularly in order to deal with unexpected expenses. Investment means putting your saved money in various products in order to earn returns and grow your wealth.
Savings are usually used to meet your short term needs. People save in order to deal with emergency situations and meet unexpected expenses. However, investment generally entails a longer horizon of six months or more. It is designed to provide returns and grow your money over a period of time.
Risk and reward
Another difference between savings and investment is the risk they bear and returns they offer. While savings stored in a safety vault are very safe, they will not generate any returns over the years. Even if money is kept in a savings account, it will provide a negligible rate of return. On the other hand, money invested in various products like stocks, mutual funds, gold, etc. is subject to more risks, but has the potential to grow over time. If invested wisely, your money can grow manifold over years.
When it comes to liquidity, your savings are the most liquid assets, as they can be accessed at any time. However, this is not the case with investments. It takes a few days for the money to reach your bank account after you decide to sell your investments.
“BEST OPTION IS REAL ESTATE”
As per me these are the best option for investment purpose.having advantages as well as disadvantages that you should consider prior to investment.
Investment Option – Real Estate v/s other assets (Gold, mutual funds, share market etc.)
Investment opportunities have and will continue to be an integral part of everyone’s lives. At different stages along the way, one debates with themselves as to which option is best suited for them.
Real estate is subjected to land, as well as any physical or improvements attached to the land, including houses, buildings, landscaping, fencing, wells, etc.
This is an avenue which takes a longer period to see a return on investment
A Low volatility and a gradual increase in market prices lends stability to the investment
Through renovation and repairs the performances of one’s investment can be amplified
Benefits can be achieved from home loans for each property purchase
One can rent out properties which provides a monthly income
There is a high transaction cost incurred due to stamp duty and registration
It is capital intensive in nature
Closely attached to high cost of maintenance
Difficult to generate cash in case of emergency however mortgaging the same is possible
A stock market, equity market or share market is the assembly of buyers and sellers. It is a loose network of economic transactions and not a physical facility or discrete entity of stocks or shares.
These kinds of assets may include securities listed on a stock exchange as well as those which are only traded privately. Equity, Mutual Fund and BondsMutual funds like Equity, Mutual Fund and Bonds has different types of risks. Investments made in these kinds of assets involves greater amount of risk.
It includes higher rates for
when required, it can be easily convertible into liquid cash(asset that can be converted to cash)
Less capital intensive in nature
The assets are handled by professional fund managers
Susceptible to higher risk
Requires in-depth understanding and knowledge while choosing good equity stocks
It is a non physical asset
If you are reading this article, you are probably considering market instead., but you are not sure if investing in property really makes sense in the current economic situation. You may be also wondering if you should be investing your money in the stock
Well, we can tell you that in China, there is no confusion over this issue, which is why Chinese are the biggest buyers of overseas properties in the world – they buy properties across Europe, North America and Australia, and they are pretty clear headed about this. And they did, and still do, the right choice, since in 2015 there was a crash in the stock market in China which had as a result a trillions of dollars worth stock market wealth wiped out.
Really, real estate investment is much safer than investment in the stock market – history bears this out.
Whether you market is something that depends on your appetite for risk and personal knowledge. If you are an expert stock-picker, then investing in the stock market makes a lot of sense. But then not everybody can be like Warren Buffett. That’s the reason most people find it easier to make money from real estate than from the stock market.or in the stock
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