Most people want to invest but do not know how or when. it is best to visit an investment counsellor for help. he will access what kind of appetite you have for investing{how much risk you are willing to take}.If you are a risk taker you will be suggested equities. For those who are averse to taking risks, you will probably be asked to invest in deposits or other debt instruments.

Investing in the equity market is a good option but is a risky proposition unless it is held for a longer period. You should be willing to wait for three to five years so that your risk is spread.

You can enter the market directly by buying shares through a broker, or indirectly by investing in mutual funds. Mutual funds have the added advantage since they allow you to invest small amounts of money.

Mutual funds are safer than investing in shares. These are also better investments for people who have a mind set against playing in the share market.You are virtually guaranteed returns provided you have invested correctly.

Many people like to invest for their children . They prefer putting smaller amounts of money but do so for many years till their child has grown. For these people, the SIP{ systematic investment plan} is ideal. The SIP option requires putting small amounts at regular intervals. This could be monthly, by monthly or even quarterly.Investments in systematic plans are advisable over longer periods.

They help cover up risks. if you invest only for a small time there is a lower likelihood of getting suitable returns. over five or ten years you should definitely be able to get about ten or fifteen percent return. People are only looking for future gains, and this makes a very lucrative investment.

No matter where you invest, you must first do your background work. Watch the market carefully and read up on companies that you may want to invest in. It is better to have a spread when you are investing. Do not go by fancy names or by what sounds familiar or popular. Follow what your instincts tell you.