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For many, retirement means the end of their working and earning life. Unless, one works to take up a part time job or become a consultant, their monthly source of income is their pension or savings. For them the most important thing is to have a monthly source of income and also ways to keep the tax liability at bay. It is a challenge for many retirees to have a good retirement portfolio which includes a combination of fixed income and market linked investments. While most of the people do plan for their retirement plan, it is always advisable for them to have a mix of investment options to cover up their household expenses.

Here are few best investment options for salaried person.

1. Senior Citizens' Saving Scheme (SCSS):

This scheme is the first choice of most of the retired persons. It is also said that the SCSS scheme is a must have in the retirement portfolio. The scheme is only available to senior citizens and can be availed from any bank or post office. This scheme is the best option for retirees looking to invest within 3 to 5 years.

2. Post Office Monthly Income Scheme:

Account The POMIS is a very suitable invest option for senior citizens. Though it doesn’t qualify for tax exemptions, however, people can look at investing it on a yearly basis. The current quarterly interest rate is 7.8 percent which is payable monthly.

3. FDs Or Bank Fixed Deposits:

This is another popular choice that the retirees go for. Fixed deposits are considered as a reliable avenue as the returns are satisfactory with no risks. However, over the last few years, interest rates have lowered. Currently, FDs provide an interest rate of 7.25 percent per annum for tenures ranging from 1-10 years.

4. Mutual Funds (MFs):

It is important for one to invest a portion of their retirement money is Multual Funds as pensions might not be enough for their needs. Remember, inflation will not stop in the retirement years. Studies have stated that equities deliver relatively higher returns compared to other assets, even during inflation.

5. Tax-Free Bonds:

Not many are aware of the Tax-Free Bonds. These bonds are not provided all financial institutions. These bonds are issued by government-backed institutions like National Highways Authority of India (NHAI), Indian Railway Finance Corporation Ltd (IRFC) etc.

One thing that retirees should keep in mind is that these are long term bonds. The bonds only mature after 15 to 20 years. Therefore, one should only invest in tax-Free bonds if they are sure that they will not need the money for that long. Another good thing about these bonds are that the interest is completely tax free.

FinTech organization wandered into P2P loaning space in the FinTech Industry in India. The p2plending platform is a one of its kind advanced commercial center that overcomes any issues between individuals who are searching for a lucrative resource class to put their salary in and the ones who are looking for credits at low rates of interests. The stage is a perfect decision for the two people and Small and Medium Enterprises (SMEs).

Peer to Peer lending in India is as yet a novel idea and is getting the pace in the market. The P2P lending platform enables this new stage with best in class innovation – the blockchain innovation. The innovation gives the clients a protected situation to execute budgetary units in. Tachyloans additionally makes the ideal usage of Artificial Intelligence and machine figuring out how to improve the client encounter. TachyLoans.com is a base hazard stage as they screen the borrowers and loan specialists with an exact confirmation process which incorporates a careful individual verification of the two gatherings. Tachyloans is the brainchild of the veterans from the field of innovation and saving money, who guarantee that TachyLoans gives the best nature of administration to the clients.

The P2P lending platform opens up a new world of opportunities for people who do not get loans from the traditional sources. The company aims to change the way India invests and borrows money. P2P Lending Platform offers unsecured personal loans to loan seekers, which means no hassle of providing an asset as collateral. Personal loans can be used as education loans, loan for renovating homes, loans for wedding expenses, etc. as far as investors are concerned, investing in P2P lending is by far the best investment option in India. Lenders can decide the rate of interest that they want to charge and can earn returns as high as 25%. Both borrowers and lenders can connect with each other over the platform and can also negotiate the rate of interest. Hence, TachyLoans makes the whole process transparent and seamless.

Peer to peer lending in India is the next big thing in the FinTech Industry and opens new avenues for individuals and SMEs. Tachyloans is the most user-friendly and safe platform for multiple lenders and borrowers. A secure and transparent asset class that involves minimum market risks should be a part of your investment portfolio.

P2P Loans in India. Have you seen the misnomer in the feature? Consummate! Be that as it may, before we clear the disarray, initial, a little foundation. There's a decent possibility that you're living in the red. It could be an understudy advance, a maximized Visa or an up front installment on that new auto. Paying enthusiasm on overdrawn cash is the standard. Also, it has worked wonders for the individuals who have possessed the capacity to utilize it shrewdly. Be that as it may, in some cases individuals have a tendency to go over the edge and wind up getting squashed under the weight of mounting interest installments. People spend a decent piece of their wage paying off their charge cards and making up front installments. Be that as it may, why experience all that bother when there's a simpler way out? Enter the idea of Peer-to-Peer Lending (P2P Lending).

What’s P2P Lending about?

P2P stages unite potential borrowers and banks. The borrowers are checked in view of their E-KYC, CIBIL, ITR information, and bank validity among others. The loan specialists, then again, are people who have the cash and are searching for chance free methods for making a better than average return (one that is somewhere in the range of 7% to 22%).

Why should you opt for a Personal Loan?

Maybe you relate Personal Loans with horrendous cash moneylenders or saves money with relentless financing costs. Indeed, you'll be happy to know this developing class of benefits is definitely not the previously mentioned. Furthermore, in the event that you end up spending near a large portion of your compensation paying off obligations, it's a great opportunity to take a Personal Loan and here's the reason:

1. Low-interest rates:

The financing costs charged on P2P Loans in India is essentially lower (somewhere in the range of 5% to 11%)  than what you're paying on those Visas. This implies you can pay off your obligations considerably speedier and for a lower loan cost than what you're right now being charged.

2. Improved Credit Scores:

For every one of the circumstances you've defaulted on advance installments, your FICO assessments proceed to plunge and to be perfectly honest, that is not a decent place to be in. This diminishes your possibility of taking credits or settling on EMIs later on. Paying back your obligations at the soonest causes you settle the circumstance and that should be possible with a Personal Loan.

3. Speedy Process:

Taking a Personal Loan is significantly less demanding when contrasted with bank credits. There's less printed material, the credit endorsement period is extensively shorter, and you're headed to getting to be sans obligation substantially prior. TachyLoans is a P2P loaning stage that interfaces borrowers and money lenders over secured documentation forms with the goal that the two gatherings, commonly advantage from the trade.

The 21^st century is known as the entrepreneur age where numbers of young & enthusiastic individuals are starting up their own ventures individually or collectively.  Today most of these companies are built upon innovative ideas that were formed at the inception stage of a company.  When an individual or a group has generated an idea to start a venture the main obstacles they face is lack of funds. At the initial stage they invest their savings, take help from family and friends and set up the business. The main problem arises when they need capital to meet the daily operational costs and for future expansion plans. Taking loans from banks or financial institutions is not advisable for start-up ventures at this stage due to the burden of the EMI on the working capital. Also they require lot of documentation and collateral and the loan approval process can be tedious.

In this scenario we have individuals known as angel investors who push in their own funds in businesses which have high potential for growth. The word ‘Angel Investor’ came up in the US when wealthy individuals invested their surplus incomes into the production house of the Broadway theatre so that they could commence operations otherwise it would shut down. Their contributions were compared to help from angels.

Below are the benefits which are helpful for start up ventures:

• Funding at the initial stage of business
• The time span of investment decision is also less as they invest their own funds
• Most of the angel investors are entrepreneurs themselves so they tend to share their experiences and knowledge which can help the business grow
• They invest in the business without any collateral and have high risk appetite and have a very optimistic approach.
• The documentation is minimum. In some cases it is just a case of mutual trust.
• They do not charge monthly interests or repayments which lessens the financial burden on the business instead they tend to take a share in profit distribution or a stake in the business. One companies issue equity shares some angel investors liquidate their investments
• Some Angel investors tend to invest in business of their interest or in their neighbourhood areas as a sense of social responsibility.

All these things make angel investors a very cost efficient and lucrative method for start up ventures who are looking for the initial capital for their operational and expansion plans.

There are few drawbacks about Angel investing which can affect the owners of the business:

• They will need to give up a percentage of stakes in their share capital which can prove to be costly.
• Some investors try to interfere in the day to day operations as they own a stake in the business.
• They may also ask for the return of their investments at any period of time without any prior notice.
• Due to lack of documentation between both parties there can be cases of forgery and disputes.

Hence an entrepreneur needs to be very careful and should conduct a thorough study before approaching an angel investor.  The background of the investor, his risk appetite, his patience level, review of his past financial decisions all these characteristics need to be kept in mind. It is always better to have some sort of legal document such as Memorandum of Understanding, or a an agreement contract between the two parties to avoid future disputes and all details such as the percentage of stake issued to the investor and the time span for which the investment is made all this needs to be documented.

Silicon Valley in the US has provided funds to various starts up companies which in turn has lead to revenue and employment generation. In India, there is now  a sudden rise of angel investors with individuals like Cricketer Yuvraj Singh starting ‘You WeCan Ventures’ which funds business with new and innovative ideas then Sachin Bansal of Flip kart who invested in companies such as Madrat games, Spoonjoy and more. Most of the investments are in the field of Technology as we move into the age of computers. Innovative software, applications and social networking websites have a huge scope and most of the investments are diverted into that sector. Nowadays Government has also launched initiates such as MUDRA bank to support small medium enterprises to handle their finances.

For an entrepreneur it is important that he displays hi business plan in a very well planned format. The goals, future projections, capital requirements all must be put forward to the investor and he should be in clear frame of mind before investing in the business and should believe in the venture.

When it comes to Banking, yes off course one of the India's growing industry consists of 26 public sector banks, 25 private sector banks, 43 foreign banks, 56 regional rural banks, 1,589 urban cooperative banks and 93,550 rural cooperative banks, As per the Reserve Bank of India (RBI), India’s banking sector is sufficiently capitalized and well regulated.

The financial and economic conditions in the country are far superior to any other country in the world, apart from the biggest merger of SBI with its concerns the central bank granted inprinciple approval to 11 payments banks and 10 small finance banks in FY 201516 so there is allot to come in to this industry. Standard & Poor’s estimates that credit growth in India’s banking sector would improve to 1113 per cent in FY17 from less than 10 per cent in the second half of CY16.

Whenever we talk about Banks, what strikes us is accepting deposits, lending money etc, but it is much more then what we think, a bank offers a number of services which are broadly categorized in to two segments: Corporate Banking & Retail Banking

Where the Retail Banking is one of which we are aware enough, it refers to the division of a bank that deals directly with retail customers. Also known as consumer banking or personal banking, retail banking is the visible face of banking to the general public, with bank branches located in abundance in most major cities. Services offered include savings and transactional accounts, mortgages, personal loans, debit cards, and credit cards.

The level of personalized retail banking services offered to a client depends on his or her income level and the extent of the individual’s dealings with the bank. While a client of modest means would generally be served by a teller or customer service representative, a high net worth individual who has an extensive relationship with the bank would typically have his or her banking requirements handled by an account manager or private banker.

Corporate banking, also known as business banking, refers to the aspect of banking that deals with corporate customers this segment of banks typically serves a diverse range of clients, ranging from small to midsized local businesses with a few millions in revenues to large corporate with billions in sales and offices across the country. Sometimes people get it similar to the investment banking, since corporate banking and investment banking services have been offered for many years under the same umbrella by most banks in the U.S. and elsewhere and in a general sense, corporate banking and investment banking aren't all that different.

Investment Banks raise capital for other companies through securities operations in the debt and equity markets. Investment bankers also help coordinate and execute mergers and acquisitions (M&A’s), offer advisory services to big clients and perform complex financial analysis.

Corporate finance is a catchall title for any business division that handles financial activities for a firm. This can make it a little tricky to differentiate it from investment banking because, depending on the context, investment banking might count as a type of corporate finance. An investment banking firm might have a corporate finance division.

However, there is a generally accepted distinction between corporate banking and investment banking: A corporate banker deals with day to day financial operations and handles shortand longterm business goals, while an investment banker focuses on raising capital, running private placements and conducting M&A deals. Put more simply, investment banking grows a company, and corporate banking manages a company.

Loans and other credit products Thisis typically the biggest area of business within corporate banking, and as noted earlier, one of the biggest sources of profit and risk for a bank, here the banker provides tailor made finances to the corporate, ranging from Term loans for Machineries and equipments to Cash credit limits/ Overdraft Limits for working capital requirements, the export houses can also avail Packing credit limits to finance each of their shipments at a interest rate which is as low as 7-8%p.a.

Treasury and cash management services – used by companies for managing their day to day activities (Working Capital) and currency conversion requirements.

Equipment lending – commercial banks structure customized loans and leases for a range of equipment used by companies in diverse sectors such as manufacturing, transportation and information technology.

Commercial real estates – services offered by banks in this area include real asset analysis, portfolio evaluation, debt and equity structuring.

Trade finance – involves letters of credit, bill collection, and factoring.

Employer services – services such as payroll and group retirement plans are typically offered by specialized affiliates of a bank.

01. Open your R.D a/c with your bank or post office.
02. Never borrow fund to entertainment or luxury items.
03. Always take calculated risk for your money.
04. Avoid to go for first movie show on first day. Same film you can see on another day.
05. Try to avoid buying new car and phone buy from user, you may get 40% cheaper.
06. Make you budget in the beginning of the month and be strictly for that.
07. When you have desire to buy a luxury item then invest the same money in any securities.
08. Buy clothes only on discount day, special day. You will get the them 50% cheaper.
09. Use all customer activity where you can get free reward.
10. Buy things online and use promotion code to avail the discount.
11. Must open a Demat a/c and buy share of blue chips company frequently.
12. Always try to find the passive income source in your life: referral income etc.
13. Use public transport if possible whenever go for out of home, town etc.
14. Avoid fast food it is also not good for health as well as for wealth.
15. Never buy costly books, movies vcd etc. because a lot is available on the internet free of cost.
16. Recharge online, pay online your bill of mobile, data card etc to get discount.
17. Book you ticket in advance if it is possible and you can get great discount.
18. Don't pay extra money to buy lucky number for mobile, bike, car etc. because it is just a superstitious.
19. Believe in simple living and high thinking it will give you inner peace as well as cost saving life schedule.
20. Use daily Yoga and Meditation it will help you keep aside from doctor.

What to do in Market

01. Read the Prospectus/ Abridged Prospectus.
02. Use the ASBA (Application Supported by Blocked Amount) process for applying IPOs/FPOs.
03. Transact only through SEBI-recognised stock exchanges.
04. Before investing, check the credentials of the company, its management, fundamentals and recent announcements made by them.
05. Give clear and unambiguous instructions to your broker/sub-broker/ depository participant.
06. Issue cheques/drafts only in the trade name of the broker.
07. In case you are not transacting frequently, use the freezing facility in your demat account.
08. Be aware of the risks associated with derivatives in the market.
09. In case of disputes with sub-broker, inform the main broker about the dispute within 6 months.
10. Familiarise yourself with the rules, regulations and circulars issued by the stock exchanges/SEBI before carrying out any transactions.

What don`t

01. Don`t follow rumours or illusory advertisements. High return in short time is impossible.
02. Don`t invest based on the prevailing bull run of the market index.
03. Don`t undertake off-market transactions in securities.
04. Don`t forget to take account of the potential risks that are involved in the investment.
05. Don`t blindly follow investment advice given on TV channels/websites/SMS.
06. Don`t leave signed blank Delivery Instruction Slips of your demat account lying around.
07. Don`t start trading in derivatives unless you have understood the Risk Disclosure Documents.
08. Don`t undertake deals on behalf of others.
09. Don`t get carried away by luring advertisements.
10. Don`t go daily trading trend use positional trade.
11. Don`t trade on any product without knowing the risk and rewards associated with it.