Beginner Investing/Advice


Good day,
       I am an Indian citizen of 32 years old. I earn around INR 32,000 per month. Can you please suggest some investmeny plan which will not require a lot of attention as I work in 12 hours shifts. I am iust looking for moderate gains.

  Thank you for your question! I would suggest you look at ETF's (exchange traded funds). These operate like mutual funds but have lowers costs.   An etf that tracks a major stock market index would be very maintenance free, you would not have to do much except start up the account, and add more funds in the future if you wish.  A fund indexed to the S&P500 index would probably be the most appropriate.  I would also suggest a bond fund, also an etf.  Perhaps a US aggregate bond fund. This would be more stable and have less risk than any type of stock fund, although the returns would be lower. It depends upon how much risk you want to take in your investments: more risk with the potential for higher returns (but period where you will lose money) would be better with an S&P 500 indexed ETF. For more stable returns and less risk, an aggregate bond etf.

I hope this helps, please do not hesitate to follow up with me if I can offer anything additional.

Paul Henneman
ValuEngine Inc

Beginner Investing

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Paul Henneman


I can answer any questions on investment strategies. Specifically, my expertise lies in long term investment strategies designed to beat market performance while reducing risk. Not get rich quick schemes, but solid investing strategies. DO NOT SEND ME YOUR HOME WORK QUESTIONS! Over one half of the questions I receive are clearly students in finance or economic classes asking for answers to their homework questions. Most of these come from India. I won't answer them, do your own work. However, I welcome all investors trying to negotiate how to invest in stocks, mutual funds, ETF's, and other investments.


15 years in a leadership role at a financial research company. We sell research to institutions such as Wells Fargo, Fidelity, Thomson Reuters, Bloomberg, Bank of NY, Scotia Bank, and others.

Florida International University, University of Florida

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