Best time to invest your money

best time

A Stock market is going down. Is it the best time to invest money? This is one of the most frequently asked questions by many investors.

Well, a simple answer to this question could be you should make an investment when you have a money. However, we are Indian and we believe in a power of astrology, panchang, planet (grah), time and lot of other things. Let me give examples.

  • We purchase a gold on Akshay Tritiya and Dhanteras
  • We participate and purchase share in Muhrat Trading
  • We purchase a car in Navratri or Dusharea

Why? This is because we believe that these days are auspicious days. On the opposite end, we do not purchase anything in sharadh (pitru paksh) or holashtak as these days are believed to be inauspicious.

Also Read – 10 short term investment options in India

Well, I don’t want to comment anything on your astrological and ancient belief. I am here to share “Best time to invest your money” based on my experience.  So, if you want to know what is the best time to invest money continue reading this post I am sure you will get detail about lucky day and time to invest your money.

Best time to invest your money

Day and time when you have a lot of money

As soon as you got the money you should invest it. There is no point in keeping the idle money. You will not get anything extra by keeping money at your home or at saving bank account. A smart investor never keeps the money as they know the power of compounding. They make their money work.

So, the Best time for making an investment is a time when you have money.

Time when you have complete information about product

It will be foolishness to invest in the product without getting appropriate information. So the best time to make an investment is when you have got complete information about a product.

It is wise to evaluate a product based on risk and return. If you are fully convinced that the product is a right fit as per your financial goal no need to wait. Invest in the product you will surely get fruitful result.

The day when you have ample time

Never invest your money when you don’t have time. It is most likely that you will end up making a mistake when you don’t have time.

The best example is 31st March. A deadline for the tax saving. It is the time when a majority of insurance agents do misselling of their insurance policy. Correct!

Make sure to invest money when you have ample time and you are totally relaxed.

Also Read – Entrepreneur Success and Time Management

The day when you see opportunity for investment

If you are sure that investment asset is going to grow and expected to give better return you should immediately rush to invest in it. There is no point in waiting.

We often hear from people that “XYZ” stock was available at a very low price but I missed an opportunity of investment, if I could have invested money in that stock I could have make lot of profit. So, if you noticed opportunities for investment go for it. It is the best time for investment.

The day when you completely trust your insurance agent, distributor or broker

It is very difficult to trust insurance agent, distributor or broker for the investment. As handing over hard earned money to them could be dangerous. If you are an investor who believes in sellers this point is for you.

You should start making an investment the day when you got trustworthy insurance agent, mutual fund distributor or broker.

Believe me or not these days and time are more auspicious than Dhanteras, Akshay Tritiya, Muhrat trading, Navratri or Dushera.

Article by Raviraj

Raviraj is the man behind He is graduate in finance, engaged in blogging since 7 years. Moneyexcel blog is ranked as one of the Top 10 Personal Finance Blog in India. He is not affiliated with any financial product, service provider, agent or broker. The purpose of this blog is to spread financial awareness and help people in achieving excellence for money. Please note that the views expressed on this Blog/Comments are clarifications meant for reference and guidance of the readers to explore further on the topics. These should not be construed as investment advice or legal opinion.

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  1. RT says:

    hello Sir,

    Can you please guide where can i invest RS3lakhs cash in: stock or fd or gold.
    and if stocks which one is the best option.
    please guide asap

  2. Ritu says:

    Hi Ravi sir
    Plz tell me ELSS as tax saving instrument. And if I start SIP on 10th nov 2016 then wat will be end of lock in period. I guess it is 10th Nov 2019.
    And can this ELSS be used for more than one financial year for rebate in 80C as SIP will continue in next financial year also.

    • Dear Ritu,

      For ELSS Lock-in period is 3 years.Once you invest in ELSS you can claim 80C tax benefit for the year of investment only. The next year SIP you can consider for next year tax saving.

  3. Soumya says:

    Is charted accountant needed for stock analysis

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