What is best investment which is full recession proof?
Can anyone suggest all type of investments in India which are recession proof? There are no such investments. Quite a few think bullions like Gold tend to go up during recession, which is true to an extent; however there are enough articles that show it is not necessarily true. There are no fool proof investments. The only fool proof way is to mitigate risks. Have a diversified portfolio that has Debt [Fixed Deposits, Bonds] and equity [Stocks], Bullion [Gold], etc. And stay invested for long as the effects tend to cancel out in the long run. "I don't think there is a recession proof investment.Every investment is bound to their ups and downs.  If you buy land, a change in law can change the whole situation it may become worthless, same applies for home as well.  Gold - dependent on world economy.  Stock - dependent on world economy Best way is to stay ever vigilant of world around you and keep shuffling from one investment to another balance out your portfolio.  ""The most valuable commodity I know of is information."" - Wall Street -movie"
"One cannot apply a ""one size fits all"" approach to any and all economic situations.  We are currently in a recession/depression/whatever due to a lack of demand.  Please tell me what would be the best way to get out of this particular scenario." "This is the best tl;dr I could make, [original](https://web.stanford.edu/group/SITE/SITE_2013/2013_segment_2/2013_segment_2_papers/gulen.pdf) reduced by 99%. (I'm a bot) ***** &gt; As an alternative way to gauge the economic magnitude of our policy uncertainty estimate, we compare the fitted values obtained from our model using realized values of the policy uncertainty index to the fitted values obtained using the policy uncertainty level observed just prior to the recent recession.  &gt; 3.3 The Heterogeneous Effects of Policy Uncertainty on Investment In this section, we investigate whether the negative relationship between policy uncertainty and investment manifests itself heterogeneously in the cross-section in a way that is consistent with theories that postulate a causal effect of uncertainty on investment.  &gt; For specification 3, we regress the U.S. policy uncertainty index on the Canadian policy uncertainty index and several U.S. macroeconomic controls, and use the fitted residuals as an alternative policy uncertainty measure in our baseline specification.   ***** [**Extended Summary**](http://np.reddit.com/r/autotldr/comments/6p528x/policy_uncertainty_and_corporate_investment_pdf/) | [FAQ](http://np.reddit.com/r/autotldr/comments/31b9fm/faq_autotldr_bot/ ""Version 1.65, ~174006 tl;drs so far."") | [Feedback](http://np.reddit.com/message/compose?to=%23autotldr ""PM's and comments are monitored, constructive feedback is welcome."") | *Top* *keywords*: **Uncertainty**^#1 **Policy**^#2 **Investment**^#3 **firm**^#4 **index**^#5" First things first, its always good to set the records straight. When you are trying to clear your debt do them one by one and ask the collection agent that you would pay in full only if the records would be deleted from your credit history and most of the collection agencies are happy to take it off your credit report as they are getting the money. This would work generally only when you pay the full amount. I can guarantee you this because I have tried it myself after hearing about it from my friends.  If you have already paid whole amount already then records of your payments generally will not be available after 2 years with any banks even the big ones like Bank of America or Wells Fargo. That means if they don't have the records no body else would because its a burden as your payment is written off. You can file a dispute to credit bureaus for your payment history and if they couldn't provide you the history they have to take your record off your history even they know that you have delinquent history because they don't have enough proof to confirm that. And when you file a dispute its always good to file it by paper as they have to write back and you can ask hard copies of the proofs which are very difficult to get. One more thing if you want to dispute it might take couple of months atleast and you need to have patience because you already might have known how important credit history is. well, saying:  &gt;DJIA went from 6,626.94 in March 6, 2009 to 17,100.18 in July 18, 2014. That's nearly a 200% increase in 5 years. The economy, on the other hand, has not reflected this rise.  is disingenuous at best since you're measuring the starting point from the depth of recession, when the stock market was severely undervalued.  This is also why many mutual funds boast absolutely ridiculous 5-year yields right now. The Dow hovered around 12,500 for much of 2007~2008, so if you used that as the baseline the index recovered to those levels in the 2nd quarter of 2011. From that point onwards, it's only a 25% increase over 3+ years for an 8% APR, in line with historic values.  I'm not gonna get into whether QE is good fiscal policy or not, all I'm saying is the tapering/ending of QE won't result in a full-on reversal like people seem to be expecting. If you want a concrete investment tip, precious metals (e.g. gold, silver) are on a pretty good run these days, personally I still think they have ways to go as there are just too many problems with modern monetary policy of an almost existential nature, and gold and silver are better stores of value than fiat money. Silver is particularly hot right now, but keep in mind that the increased volatility means increased risk. If the Fed keeps its foot on the pedals of the dollar printing press and we get QE3 this summer, that will most likely mean more people piling into the PMs to hedge against inflation. If the Fed starts to tighten it's policy then that's probably bad news for both equities and bonds and so PMs could be seen as a safe haven investment. These are the main reasons why PMs take up a good portion of my portfolio and will continue to do so untill I see how the global economy plays out over the next couple of years. In the economic cycle we are are going through the crashing of the monoliths - corporate and political - mass extinction events . As far as investment is concerned where the money can be made is with the small to medium sized businesses - progressive evolution - these will pick up the business from the crashed corporates . "First of all, bear in mind that there's no such thing as a risk-free investment. If you keep your money in the bank, you'll struggle to get a return that keeps up with inflation. The same is true for other ""safe"" investments like government bonds. Gold and silver are essentially completely speculative investments; over the years their price tends to vary quite wildly, so unless you really understand how those markets work you should steer well clear. They're certainly not low risk. Repeatedly buying a property to sell in a couple of years time is almost certainly a bad idea; you'll end up paying substantial transaction fees each time that would wipe out a lot of the possible profit, and of course there's always the risk that prices would go down not up. Buying a property to keep - and preferably live in - might be a decent option once you have a good deposit saved up. It's very hard to say where prices will go in future, on the one hand London prices are very high by historical standards, but on the other hand supply is likely to remain severely constrained for years to come. I tend to think of a house as something that I need one of for the rest of my life, and so in one sense not owning a house to live in is a gamble that house prices and rents won't go up substantially. If you own a house, you're insulated from changes in rent etc and even if prices crash at least you still have somewhere to live. However that argument only works really well if you expect to keep living in the same area under most circumstances - house prices might crash in your area but not elsewhere." Bonds by themselves aren't recession proof.  No investment is, and when a major crash (c.f. 2008) occurs, all investments will be to some extent at risk. However, bonds add a level of diversification to your investment portfolio that can make it much more stable even during downturns. Bonds do not move identically to the stock market, and so many times investing in bonds will be more profitable when the stock market is slumping.  Investing some of your investment funds in bonds is safer, because that diversification allows you to have some earnings from that portion of your investment when the market is going down. It also allows you to do something called rebalancing.  This is when you have target allocation proportions for your portfolio; say 60% stock 40% bond.  Then, periodically look at your actual portfolio proportions.  Say the market is way up - then your actual proportions might be 70% stock 30% bond.  You sell 10 percentage points of stocks, and buy 10 percentage points of bonds. This over time will be a successful strategy, because it tends to buy low and sell high. In addition to the value of diversification, some bonds will tend to be more stable (but earn less), in particular blue chip corporate bonds and government bonds from stable countries.  If you're willing to only earn a few percent annually on a portion of your portfolio, that part will likely not fall much during downturns - and in fact may grow as money flees to safer investments - which in turn is good for you. If you're particularly worried about your portfolio's value in the short term, such as if you're looking at retiring soon, a decent proportion should be in this kind of safer bond to ensure it doesn't lose too much value.   But of course this will slow your earnings, so if you're still far from retirement, you're better off leaving things in growth stocks and accepting the risk; odds are no matter who's in charge, there will be another crash or two of some size before you retire if you're in your 30s now. But when it's not crashing, the market earns you a pretty good return, and so it's worth the risk.