Question: Personal Finance - Someone please help me formulate a proper investment strategy!!? HEy will someone suggest a proper investment policy for someone like me who has started working only about 2 months ago....i can invest upto 6K every month....but intend to take a break from work for about 2 years to finish my masters...\n\nTrying to help dad in financing his dream home is another objective...which would call for a loan of about 5-8 Lacs and is hence a purely ambitious one considering the present scenario....\n\nIve been doing some research on this as well...Someone recommended Franklin Templeton SIP to start with but i thought why not diversify...I can take some risks wrt the investments i make....my priorities are mainly long term but i can take a few risks too...\n\nI am pretty amateur to all this so maynot know all the jargons...i hope ppl can still understand what i intend to say....\n\nI also want to know how much returns can i expect from the various offerings currently available....\n\nHope someone would help me out with this....\n\nThanks in advance,\nRajit

Answer: Some people will tell you to invest in real estate.  You really need to know the marketplace, which is constantly changing.  You also need a good realestate lawyer when you buy or sell.\n\nI suggest instead that you look at the stock market.  You can get a lot of information on the internet and at the library. You need to follow a few rules. \n\n    1) Invest in high quality stocks and  no-load mutual funds.\n    2) Diversify. (you are already aware of this one) \n    3) Avoid "penny stocks" .\n    4) Be patient
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