Personal Investment

We offer various Investment opportunities for Individual’s likeDirect Equity, Mutual Fund (Equity/ Debt), Fixed Income, Insurance, Real Estate.

Value’s principles of Investment success are:

  • Start early
  • Save regularly, Invest regularly
  • Use tax protections
  • Investment returns should exceed the inflation.

Chart below explains all the investment options available for Personal Investments:


Please note that investments in equity should only be done for the long term (anything more than 5 years) to earn decent returns. Risk of investing in equities is high and so the returns are also high. You could dabble in the stock market broadly in three ways.

  • Directly by buying and selling shares on the stock exchanges BSE/NSE.
  • Take the plunge via the Mutual Fund route – wherein the options available are : equity diversified, balanced, tax saving ELSS funds, thematic, exchange traded or index funds.
  • Investing in ULIPs(insurance plans) via their equity funds.


Debt investment can be done for the short term and long term as well. Risk here is very low and so return is low as well. Investing in debt can be done by the following ways:

  • Fixed Deposits, POMIS, NSC, PPF, NPS, Bonds, KisanVikasPatra, Senior Citizen Saving Schemes.
  • Debt mutual funds (balanced, floating rate, gilt, liquid and liquid plus) also offer another way to do so.
  • Traditional insurance policies (money back, whole life, endowment) and the debt portions of ULIPs can be a mechanism as well.


Insurance is important because it is designed to pay various types of claims depending on the type of policy that applies. Insurance are broadly of 2 types:

Life Insurance:

Life insurance is one of the important elements of any financial planning endeavor. It helps to safeguard the financial stability of your family in the event of an unfortunate incident.

Type of Life Insurance:

  • Term Insurance
  • Endowment Policy
  • Money Back Life Insurance Policy
  • Group Life Insurance
  • Unit Linked Insurance Plan

General Insurance:

The tangible assets are susceptible to damages and a need to protect the economic value of the assets is needed. For this purpose, general insurance products are bought as they provide protection against unforeseeable contingencies like damage and loss of the asset. Like life insurance, general insurance products come at a price in the form of premium.

Type of General Insurance:

  • Motor Insurance
  • Health Insurance
  • Travel Insurance
  • Marine Insurance
  • Commercial Insurance

Real Estate:

This is again for the long term with a high risk and very low liquidity factor. Liquidity is defined as the ease with which you could sell your investment for cash quickly. Investing in property can be done by:

  • Buying apartments and plots in either residential or commercial areas.
  • Or buying Real Estate Mutual Funds.