ค่านิยม : มุ่งผลสัมฤทธิ์ สุจริตโปร่งใส บริการด้วยใจ รักใคร่สามัคคี
(วิดีโอ) ดร.พิเชฐ ดุรงคเวโรจน์ รมว.วท. มอบนโยบายแก่คณะผู้บริหาร วท.
วิสัยทัศน์ : "เป็นหน่วยงานหลักในการประสานและผลักดันยุทธศาสตร์กระทรวงสู่การปฏิบัติและมีผลสัมฤทธิ์"
การอบรมเชิงปฏิบัติการ "การสร้างพลังร่วมให้กับทีม (Team Synergy)"
ทบทวนการดำเนินงานและรับฟังข้อคิดเห็น/ข้อเสนอแนะเพื่อการจัดทำกลยุทธ์
Investment Fundamentals & Monetary Planning

Investment Fundamentals & Monetary Planning

Once you get a deal with on a few funding fundamentals monetary planning and funding management get a complete lot easier. Listed below are 5 investment fundamentals or factors you want to take into account earlier than investing money.

A lot of economic planning includes funding management and selecting the right investments to succeed in your financial goals. There are long-term targets like accumulating money for retirement or earning extra investment revenue in retirement. And there are shorter-term targets like putting cash apart for future faculty bills, for a money reserve, or for a down fee on a new house. What funding basics must you think about earlier than investing cash earmarked for particular targets? Keep in mind that the first step in monetary planning is to outline your financial goals.

For shorter-time period goals SAFETY and LIQUIDITY are the investment basics that take center stage. Here you are investing money that needs to be safe and available once you need it. The very best investments in this case are the likes of bank CDs and savings accounts, cash market mutual funds and Shylesh Kandiah perhaps short-term bond funds. Do not earmark stock funds or other riskier investments for short term goals. The money you want might not be available if you need it if the market goes south at the wrong time.

If you're doing financial planning to build up a retirement nest egg you could have an extended- time period monetary purpose, and GROWTH and TAX ADVANTAGES are the investment basics to concentrate on. Growth simply refers to earning a better return over the long term. The best investments for most individuals listed here are stock funds, which come in many varieties. How a lot of your funding portfolio you allocate to stocks will depend on your age and danger tolerance. Here is where investing money in stocks and accepting extra threat makes good sense. If in case you have a bad 12 months or you have received time to get better and will not need to liquidate or sell at a loss... because you've got this money earmarked for retirement, and different funds like a cash reserve to cover short-time period needs.

Look for tax benefits when investing cash for retirement. In a 401k or conventional IRA most people can accumulate cash tax-deferred, with a tax deduction every year you add to it. There isn't a limit imposed by the IRS on the amount you'll be able to invest in a tax deferred annuity, and a Roth IRA provides tax-free investing. Should you make investments $5000 a yr into a stock fund averaging 10% development per yr in a tax-free or tax-deferred account your cash grows to $286,000 in 20 years. This cash can proceed to develop uninterrupted by taxes till you start pulling cash out in retirement. In a Roth plan there shall be no revenue taxes to pay in case you follow the rules.

The last factor to contemplate is INCOME. For most people looking for larger earnings or curiosity, bonds and bond funds have been the best investments over the years. Millions of retired of us spend money on bonds to supplement their income. Investing cash in bonds for the revenue they produce is secondary for common youthful traders, who ought to embody bond funds in their retirement portfolio primarily so as to add steadiness and decrease overall risk. Please notice that bonds and the funds that spend money on them usually are not without risk. There are numerous articles available on the subject.
Copyright(c) สำนักนโยบายและยุทธศาสตร์ ชั้น 5 อาคารพระจอมเกล้า สำนักงานปลัดกระทรวงวิทยาศาสตร์และเทคโนโลยี ถนนพระรามที่ 6 แขวงทุ่งพญาไท เขตราชเทวี กทม. 10400 โทรศัพท์ : 0-2333-3843 โทรสาร : 0-2333-3885 . All rights reserved.
Designed by olwebdesign.com , สำหรับเจ้าหน้าที่