Five Investments options during COVID19: Personal and Financial level

Five Investments options during COVID19: Personal and Financial level

During this tough time, where earnings has been reduced, job has been lost, government is planning aggressively to fight with pandemic both at Population level and Economic level, one need to change their habits in terms of Personal and Financial level. Based on my personal experience and knowledge, I am bringing the Five investments which an Individual can do in terms of Personal and Financial level.



Personal Level:

1) Develop Mental Health: This is very important in terms of all the options. Mental health will give very good support to individuals to stay Focused, Healthy, Stress-less, etc. in the current pandemic situation. Watch motivational videos/ movies, read Fiction or non-fiction books, do Yoga (focus on breath-in and breath-out) etc.

2) Maintain Physical Health: Adopt a good habit of Gym exercise, Yoga, Dance etc. As this will make your Mind, body in good shape and you will feel relaxed, energetic and focused. Blood circulation will also improve in these cases.

3) Eat Home Made Food: Eat mostly homemade food and include vegetables, fruit, grains, spices etc. in your diet, include milk with turmeric, Garlic, Hing, Cumin etc. Clean the food before serving and preparing.

4) Have some Play: Try to play some indoor games like Chess, Carrom Board, Saap Siddi, Ludo etc. If you have children at home, that will be good, they have some crazy ideas and try to mingle with them and do whatever they say, you will definitely enjoy the togetherness and craziness with children.

5) Maintain good Hygiene: This is for the precautionary measure one need to take. From here on-wards, personal hygiene becomes necessity and important. Government is also encouraging to maintain the hygiene when going outside, specially when going in public places like train platform, Airport, bus stop/ depot, shopping malls, cinema halls, etc. Wash you hands with Soap, take proper bath, clean your home, clean your washrooms, clean your clothes on regular basis. Teach these good habits to your little one as well.



Financial Level:

If one have good finance available during this pandemic situation and can foresee that he can manage his finances in long term, he can choose the following investment options. These options are applicable for individual customer segment who is in Higher Middle class, Higher class level (Exception to this are always available).

1) Invest in Properties: Buying properties can be a good and fruitful bet during this pandemic situation. Interest rates has come down and now home loan is available with 7.8% PA. Choose good bank to bank on. I prefer HDFC, HDFC Bank, SBI, ICICI Bank. One can buy properties like Residential Flat, Plots, Commercial premise, Auctioned properties etc. While selecting the properties, you need to consider the reputed builders, good locality, good amenities etc.

2) Invest in Shares: Currently share market facing downhill situation and major share markets had been crashed due to COVID19 impact. Business are not running their operations, cash flow (In and Out) has been minimized hence economy is going in no growth trajectory. In the Share market, majority of shares are now available at a discount of 30% to 80%, means share which are trading during Jan at peak level say INR 1000, now sharp correct has been seen in these shares and available to say INR 300. Look for the quality shares in the market. Before any investment in these instruments, please discuss with your financial advisors. Investment in such market is risky and one can lose his or her corpus.

3) Alternate Investments: These include investments in precious metals like Diamond, Gold, Silver, Platinum, Palladium etc. One can buy luxury goods such as watch, decorative items etc. as they are available at discounts at this situation. Gold and Silver are the topmost choice as their demands are keep on growing and can also be sold in the market as liquidity in these metals is good. Gold is treated alternate to the Money in the economy.

4) Investment in Startups: During this situation investment in startups is not recommended y most of the analyst, but I prefer one can invest in the same. As an investor, you can ask for good equity in the company. After the lockdown gets over, these startups again be operational and do good business. Personal equity investment is good choice, but one need to do proper analysis on the startup business, before the investment.

5) Investment in Agriculture: In this segment, one can do investments in Cold storage, supply chain management, Distribution, Wholesale business for the agriculture products. These are fundamental business and the requirement for Agri products are keep on growing. Investment in this segment will be good bet and should be linked with long term growth.

Disclaimer: The above inputs are my personal opinion and thoughts.