Investment Decision Tool Guide
Not sure where to invest such as Fixed Deposits, Mutual Funds, or Stocks?
Our Investment Planning Tool compares options using a weighted scoring system, so you can match your investments with your goals, risk level, and time frame.
Enter up to three investment options to compare.
- Enter names of your investments such as "Mutual Fund", "Stocks", or "Real Estate".
- You can compare up to three investments but you must have at least two options.
Four main criteria are used to evaluate each investment option. Assign scores or percentages accordingly:
- Expected Returns:
Enter the approximate yearly return percentage.
Example: Stocks = 15%, Mutual Funds = 12%, FD = 6%. Higher is preferable.
- Risk Level:
Rate from 1 to 10 (higher = riskier, lower = safer). Lower is preferable.
- Liquidity (Ease of Withdrawal):
Rate from 1 to 10 based on how quickly you can access your money.
Example: Stocks = 9/10, Mutual Funds = 7/10, FD with lock-in = 4/10.
- Investment Horizon (Timeline Fit):
Rate from 1 to 10 depending on how well it suits your short-term or long-term goals.
Example: Stocks (long-term) = 7/10, Mutual Funds (long-term) = 8/10, FD (1 year) = 9/10.
Not every investor has the same goals. Adjust weights to prioritize what matters most:
- Returns: Higher weight if you want maximum growth.
- Risk: Crucial if you value stability and low volatility.
- Liquidity: Important if you may need immediate access to funds.
- Horizon: Useful for balancing short-term and long-term goals.
- Example: Increase Returns and Horizon if saving for retirement. Reduce Risk and boost Liquidity if building emergency savings. Younger investors may accept higher Risk for better Returns.
Once ratings, weights, and investment options are entered, the tool calculates final scores.
- Each investment receives a normalized score between 0 and 100.
- The highest scoring investment gets a "Recommended" badge.
Investment planning often involves family discussions or professional advice.
- Export your comparison results as PDF or Excel for review.
- Share the exported file with your financial advisor or keep it for future reference.
- Balance stability between risk and return.
- Plan based on your liquidity needs and time horizon.
- Select investments that match your comfort level and financial goals.